Wallet terms
Updated 26 Sep 2026 · Please read and agree to these terms before you top up.
1. What the wallet is
The HSG Mobile wallet is closed-loop in-store credit (store credit) that can only be used to buy HSG Mobile’s own products and services at HSG Mobile. It is not a bank deposit, not electronic money (e-money), and not any form of investment or fund-raising; the wallet balance earns no interest and brings no return or profit. Top-ups are only for your convenience when you shop with us later.
2. How to top up and when it is credited
You can top up by: (a) bank transfer, uploading the transfer receipt, which we check by hand before crediting — the amount finally credited is the amount we verify as received; or (b) online payment (through the licensed payment gateway Billplz). Each top-up is RM10 to RM5,000. We reserve the right not to credit, and to return, any unusual or suspicious top-up.
3. How long the balance lasts
The money you actually top up is valid permanently and never expires. Promotional bonus amounts given with top-ups currently do not expire either (if this changes, we will update this page). Bonus amounts are an extra promotional benefit, not money you paid.
4. No cash-out, no transfer
The wallet balance can only be used to shop at our store. It cannot be exchanged for or withdrawn as cash, and cannot be transferred, gifted or merged into another person’s account. This is the basic nature of this wallet as in-store credit.
5. Refunds
If an order paid with the wallet balance is refunded, the money goes back to your wallet balance, not to a bank account or as cash. Orders paid another way (such as Billplz) are refunded under the refund rules of that payment channel.
6. Account security and suspension
If we find fraud, abuse, or a breach of these terms or the law, we may suspend or deactivate the account concerned and its wallet functions. Normally, the top-up money in a deactivated account still belongs to you; contact customer service to arrange it.
7. Personal data protection (PDPA 2010)
The transfer receipt you upload when topping up may contain personal data such as your bank account and name. We handle this data under the Personal Data Protection Act 2010 (PDPA). It is used only to verify crediting, reconcile accounts and handle disputes, can be viewed only by authorised full-time staff, and is kept for a reasonable period and then cleared. See our Privacy policy.
8. Prices and tax
Product prices are shown in Malaysian Ringgit (RM) and include applicable taxes. A top-up itself is not a taxable sale; the sale takes place when you use the balance to buy products.
9. Changes to these terms
We may update these terms from time to time; the latest version on this page applies. Major changes will be marked on this page with the update date.
10. Governing law and contact
These terms are governed by the laws of Malaysia.
HSG MOBILE SERVICES SDN BHD (company registration no. SSM: 202301007115 (1501036-U))
G06 & G07, TF Value-Mart Nusa Bestari, Taman Nusa Bestari, Johor Bahru, Johor, Malaysia
WhatsApp: 017-2436166
Email: [email protected]