Terms & Condition

Welcome to CU Rewards

CU Rewards is a rewards program and system operated by Consumption Union Global Technology Sdn. Bhd. (referred to as "CU Rewards " or "we" or "us"). CU Rewards lets you earn CU Rewards's points (whether Gift Points, Bonus Points or otherwise) ("Points") by making qualifying purchases at certain designated retail and service companies ("Merchant Alliance(s)," whom we may also refer to as "partners") and through other promotions and offers that may be provided by Merchant Alliances or other merchants. Fully enrolled CU Rewards members ("Members") may use the Points they earn for other purchases at participating locations of specified Merchant Alliances.

For the avoidance of doubt, Gift Points have the same meaning with White Points in Chinese whereas Bonus Points have the same meaning with Red Points in Chinese.

There is no cost to join CU Rewards. However, we offer Platinum membership levels which cost RM999 for a lifetime membership, respectively. See "How Do I Become a Member?" below to learn how to join.

欢迎来到 CU Rewards

CU Rewards是一个由Consumption Union Global Technology Sdn. Bhd.运营的奖励计划(以下简称"CU Rewards"或"我们")。CU Rewards让你赚取CU Rewards积分(白积分、红积分或其他)。("积分")通过在指定的零售和服务公司("联盟商家",也可称为"合作伙伴")以及由联盟商家或其他商家提出的优惠下进行合格购买。完全注册了的会员("会员")可以在指定联盟商家的地点使用他们所赚取的积分来购物。

加入CU Rewards是免费的。然而我们也有提供一个只需RM999就可以升级成铂钻会员和永久会员。请参阅"如何成为会员"以了解如何加入。


To be eligible to enrol in CU Rewards, you must be at least 18 years of age or older. You hereby acknowledge and confirm that you have reached 18 years of age. If you are 18 years old
and below, you must obtain permission from your parent or legal guardian to join CU Rewards. CU Rewards may change these eligibility requirements at any time, and reserves the right to refuse membership to any applicant for any reason, in its sole and absolute discretion.


年满18岁或以上才有资格加入CU Rewards。未满18岁者必须经过父母或监护人的同意方可加入。CU Rewards可随时更改资格要求并保留以任何理由拒绝任何申请人会员资格的权利。


To become a Member, you must complete with the registration process described below.

When you enrol with us, we will request from you certain personal information, such as your name, address, gender, date of birth, e-mail address, and phone number and etc. (your "Registration Information"). We will also ask you to establish a username and password for online account access. You represent that all Registration Information you provide during enrolment and throughout your interactions with CU Rewards is true and accurate. You agree to update your Registration Information, as necessary to maintain its truth and accuracy. You are responsible for all activities related to your CU Rewards account and for maintaining the confidentiality of your username and password.

Additionally, in compliance with the Malaysia Personal Data Protection Act 2010 and regulations, please refer to these Terms and our latest Privacy Policy as stated in Appendix 1. The Privacy Policy applies to personal data previously provided by you to us as well as personal data you may provide to us in the future. Please contact us at support@CURewards.my if you do not consent to the processing of your personal data by us.

By continue using our website and/or other CU Rewards services, you agree to be bound by these Terms and the Privacy Policy .

You can complete enrolment via:

Visiting www.CURewards.my

or through the CU Rewards app on your mobile device

or by calling 03-86002188 / 03-86002199 / 010-7799845

Please note: Certain features of CU Rewards are only available online. If you have internet access, we encourage you to enrol via www.CURewards.my or the CU Rewards app in order to access all features of CU Rewards.



当您注册时,我们会询问您一些个人资料,如:名字,地址,性别,出生日期,电子邮件和联络号码等等。("注册资料")。我们也会要求您创建一个用户名和密码以便在线上可以使用。您声明您在注册期间以及与CU Rewards的互动过程中所提供的注册信息均为真实准确。您同意在必要时更新您的注册资料和保持其真实性和准确性。您将负责您的CU Rewards账户有关的所有活动与您的用户名和密码的机密性。


当您继续使用我们的网站和/或其他CU Rewards服务,即表示您同意遵守这些条款和隐私政策。



或通过移动设备上的CU Rewards应用程序

或致电03-86002188 / 03-86002199 / 010-7799845

注意事项:CU Rewards的某些功能仅在线提供。如果您有互联网,我们建议您通过 www.CURewards.my或CU Rewards应用程序注册,以便能够访问CU Rewards的所有功能。


If you are registering from a country outside Malaysia, you should follow these steps on our official website www.CURewards.my

In the "member centre", select preferred language "Malay, English or Chinese"

Select "Sign-up Now" (Note: The Malaysia system currently does not have your membership information, you need to register, correctly fill in your membership ID and related information.)

Select "consumer members or business members," the correct choice of your place of residence, and check "I have read and agree to the cloud of user registration agreement".

Provide your "user name, ID card, password, email, etc.", please do not modify the "referee ID: ylhadmin" (Note: Since the Malaysia system does not have your membership information, nor your referrer information, you need to default ylhadmin as your referrer to complete your registration step).

Click on "Register Now" to complete the registration, the system automatically log in Member Centre Home.









Members may earn Gift Points in various ways, which may include by:

• Making qualifying purchases to be determined by us from time to time;

• Redeeming offers and promotions at our Merchant Alliances;

•Using Associated Payment Cards (eCard) (if applicable).

Qualifying Purchases. Each Merchant Alliance will have different ways for you to earn Points. You will not receive Points for: items excluded by law; shipping amounts; the value of any merchant discounts or coupons; items and services that a particular Merchant Alliance or CU Rewards deems ineligible; or, in most cases, taxes. Please go to www.CURewards.my for more information about how and where you can earn Points at Merchant Alliances, including which items or services do not constitute qualifying purchases at that Merchant Alliances.

To earn Points on qualifying purchases, you need to present and use a CU Rewards identifier prior to purchasing qualifying items or services from participating Merchant Alliances' locations. Your primary CU Rewards identifier is your membership ID, phone number or email address which has been provided by you during the registration with CU Rewards.

Offers & Promotions. Some of our Merchant Alliances may provide you with additional ways to receive Points through offers, promotions, and other programs. Such offers and promotions may be subject to additional terms and conditions. Certain offers or promotions may require you to link a credit or debit card to your CU Rewards account and use that card to pay when you make a qualifying purchase. Where applicable, details will be provided on www.CURewards.my regarding how to link your credit or debit card.

Associated Payment Cards (if applicable). Certain payment cards associated with CU Rewards may be available to you ("Associated Payment Cards"). You are not required to have an Associated Payment Card to be a Member, but having an Associated Payment Card may provide you with additional ways to earn Points. Your CU Rewards card issued to you by CU Rewards is not an Associated Payment Card. You will need to separately apply for any Associated Payment Card, which will require you to undergo credit approval and will be subject to separate terms. Among other things, these separate terms may describe how and where you can earn Points, whether you need to link your CU Rewards card with your Associated Payment Card, and/or whether you need to present both your CU Rewards Identifier and the Associated Payment Card in order to earn Points.



  • 由我们决定是否合格购买
  • 从我们联盟商家的优惠和促销活动中兑换
  • 使用相关支付卡(电子卡)(如果适用)

合格购买 。每一个联盟商家都有不同的方式来让您赚取积分。您将不会收到积分的情况下:法律排除的商品;运费;任何商家的折扣或优惠券;特定商家或CU Rewards认为不合格的商品与服务;或,税费。请浏览 www.CURewards.my 了解更多有关如何通过联盟商家获得积分,包括哪些联盟商家的物品或服务不构成合格购买。

要在符合条件的购买中获得积分,您需要在联盟商家的所在地购买商品或服务前呈现CU Rewards会员认证。您的主要CU Rewards会员认证是您在注册CU Rewards时提供的会员ID,电话号码或电子邮件。

优惠和促销活动 。我们的一些联盟商家可能会提供您一些优惠,促销活动或其他活动中获取积分。此类的优惠和促销活动可能受其他条款和条件的约束。某些优惠或促销活动可能要求您将信用卡或借记卡与您的CU Rewards账户绑定,并在您进行合格购买时使用该卡付款。如果适用, www.CURewards.my 将提供有关如何绑定信用卡或借记卡的详细信息。

使用相关支付卡(如果适用) 。某些与CU Rewards绑定的支付卡可能对您适用("相关支付卡")。您无需拥有相关支付卡即可成为会员,但拥有相关支付卡会为您提供额外的赚取积分的方式。CU Rewards发给您的云联卡不是相关支付卡。您需要分开申请任何相关支付卡,这将要求您获得信贷批准,并受另外条款的约束。除其他事项外,这条款会描述您如何以及在何处获得积分,无论您是否需要绑定您的云联卡和相关支付卡,或同时出示您的CU Rewards会员认证和相关支付卡已获得积分。


Consumer Members shall receive Gift Points to be calculated in this formula (RM1.00 = 100 Gift Points), based on the contribution amount provided by the Merchant Alliances to the Consumption Union Global Business System which has been developed and maintained by us ("Consumption Union Global Business System"), based on the total sales amount, into the members account. Gift Points are also earned through our approved consumer and business referrals ("Consumer and Business Referrals").

Merchant Alliances receive Gift Points equivalent to their contribution to the Consumption Union Global Business System, at 16% into the Merchant Member account. Gift Points are also earned through Consumer and Business Referrals.

Bonus Points - Business Members and Consumer Members receive Bonus Points, equal to real cash, through the Renewable Coin process in a daily cash drop to their account. Bonus Points consist of all Gift Points that have been converted to cash in the daily drop process.

Consumption Union Global Business System: Refers to the business model in the CU Rewards platform for the Business Member (Merchant) to make a cash contribution to the Pool Fund. Business Members' contribution shall be at the rate of 16% refundable deposit for each transaction delivered. The retail Member accounts, according to the rules of the system return for consumers and businesses.


消费会员将收到的白积分(RM1.00 = 100白积分)会根据联盟商家给予我们(世界消费联盟商业大系统)所开发和保留的消费共享金来计算,将根据总销售额进入会员账号。白积分也可以通过我们批准的消费者和商家推荐人("消费者和商家推荐人")中获得。


红积分 - 商业会员(商家)和消费会员将获得有实际现金价值的红积分,通过每日更新币流程中将现金存入其账户。红积分包括每日所有白积分已经转换成具有现金价值的红积分。

世界消费联盟商业大系统:指CU Rewards平台模式中,让商业会员(商家)贡献消费共享金。每笔消费的消费共享金为16%(可退还押金)。消费会员账户将根据系统规则退还给消费者和商家。


The system takes the total amount of Gift Points from both physical consumption and fund donation division on the member's day account as the weight reference of its share cooperation venture revenue. Each full 10,000 Gift Point integral as a measurement unit participates in the Bonus Point integral conversion, dissatisfied with a unit does not participate in the Bonus Point integral conversion metering settlement. The system is based on the overall operation of the platform and the consumption of a number of comprehensive factors, according to the actual revenue generated by the same day + the total amount of unallocated balance and the weight ratio of all Gift Points, calculate the return rate of each day (approximately 5 out of 10,000 (0.05%±) per day for physical consumption gift point reward, and approximate 3 out of 10,000 (0.03%±) per day for fund donation gift point reward, which both can be floating on this basis), convert Gift Points to Bonus Points, Bonus Points can continue to spend or to be withdrawn into your bank account which has been approved by CU Rewards. All Bonus Point transactions, whether for direct purchase or withdrawal to your bank account is subject to a 10% admin fee and 3% handling fee (when you withdraw to your bank account).


系统将会员日账户中的实体消费和基金总额白积分作为其股份合作企业收入的参考。每个满10,000白积分将作为测量单位参与红积分转换,不符合单位将不参与红积分转换。该系统是根据平台运作和消费综合因素,基于当天的实际收入 + 未分配余额的总额和白积分的重量比来计算每天的回馈率(实体消费每天大约万分之五,基金每天大约万分之三,可能会浮动),当白积分转换到红积分时,红积分可以再次消费或提现到您的银行账户。所有红积分交易,无论是直接购买物品或提现到银行账户都需支付10%管理费和3%手续费。(当您提现到您的银行账户)


For Savings on Purchases. Members can use Points for savings on purchases at certain Merchant Alliances. To use Points for savings, use your applicable CU Rewards Identifier before paying. You need to enter your security password, which you can create at www.CURewards.my

Unless explicitly stated otherwise, Cash Points may not be used for the purchase of any illegal products and/or services (included but not limited to the following: alcohol; tobacco; stamps; phone/prepaid/gift cards; money order/transfers; transportation passes; lottery tickets; charitable donations; prescriptions; pharmacy items or services).

What Happens to My Points if I Return Merchandise? If you return an item on which you earned a certain number of Points, we may deduct up to an equivalent amount of Points from your CU Rewards account. For example, if you earned 2000 Points for purchasing a t-shirt and then return that t-shirt, we may deduct 2000 Points from your CU Rewards account. Continuing this example, if you have fewer than 2000 Points in your CU Rewards account, we may deduct your remaining balance. If you used Points for savings on a purchase and then return the item purchased, the number of Points that you redeemed will generally be credited to your CU Rewards account. However, in some instances you may receive a store credit instead, depending on the policies of that Merchant Alliance. Whether or not an item that you have purchased can be returned is subject to the policies of each applicable Merchant Alliance and applicable laws and regulations. CU Rewards makes no representations and bears no responsibility for whether you can or cannot return any item you purchase.

When Do My Points Expire? Unlike other rewards programs, your Gift Points, Bonus Points and Stock Points will never expire.


储币代购 。会员可以在特定联盟商家里使用储币代购。在使用储币代购前,请在付款前出示您的CU Rewards会员认证。您需要输入您在www.CURewards.my上创建的安全密码。


如果我退货,我的积分会 有什么影响 如果您在退货的同时也赚取了一些积分,我们会从您的CU Rewards账号扣除相当数量的积分。例如,如果您购买一件t-恤获得2000积分后把t-恤退回,我们会从您的CU Rewards账号扣除2000积分。如果您的CU Rewards账号里的积分少过2000,我们会扣除您的余额。如果您使用储币代购购买,然后退回购买的物品,则您兑换的积分将会记入到您的CU Rewards账号。但是,在某些情况下,您可能会收到商家的退料单,具体取决于该联盟商家的政策。您购买的商品是否可以退回,都必须遵守每个联盟商家的政策和法规。CU Rewards对您是否可以退回任何您购买的商品不做陈述,也不承担任何责任。

我的积分什么时候到期? 与其他奖励计划不同,您的白积分,红积分和库存积分将永不过期。


By participating in the CU Rewards program, Member agrees to allow CU Rewards to communicate via mail, email, phone, external websites and various other channels. If permission is granted by the Member, CU Rewards may also communicate via text or mobile device. We may use these channels to communicate Member on account status, notify Member when they are eligible for a reward, communicate program changes, offer special Member promotions, offers, information and other messages that may be of interest to the Member.


会员参加CU Rewards计划,并同意CU Rewards通过邮件,电子邮件,电话,外部网站和其他渠道进行传播。如果会员授予许可,CU Rewards也会通过文本或移动设备进行传播。我们会使用这些渠道来传达会员关于账户状态,获得奖励或计划变更时通知会员,提供会员可能感兴趣的特别会员促销,优惠,信息和其他消息。


In addition to and independent of these Terms, Merchant Alliances and other merchants may have their own terms and conditions, which describe specifically how CU Rewards works at their locations. These terms and conditions may describe things such as how you earn Points at their locations, which items are excluded from earning Points and whether or not you need to link your CU Rewards account with the merchant's account in order to earn Points. In certain cases, the Merchant Alliance or merchant may also provide you with additional benefits that are not directly related to CU Rewards (e.g., price discounts on certain items). CU Rewards bears no liability under or responsibility for any Merchant Alliance- provided and conditions, or for any associated additional benefits, which are offered solely by the applicable Merchant Alliance or merchant, and may be changed or discontinued at that Merchant Alliance exclusive discretion.

CU Rewards shall not be held liable and/or responsible for any claim, loss, damage and/or expense incurred (whether directly or indirectly) by a Member or any other third party in relation to the independent and/or additional terms of the Merchant Alliances. The Merchant Alliances shall indemnify and hold CU Rewards harmless against all damages, liability, penalties, losses, actions, proceedings, costs, claims and expenses whatsoever that may be incurred or sustained by CU Rewards directly or indirectly as a result of any breach or non-performance of or failure to observe any of the independent and/or additional terms of the Merchant Alliances.


除了这些条款以外,联盟商家和其他商家可能有自己的条款和条件,具体描述了CU Rewards在其所在地的运作方式。这些条件和条款可能描述如何在其所在地赚取积分,哪些物品从赚取积分中排除,以及您是否需要把您的CU Rewards账号与联盟商家的账号绑定来赚取积分。在某些情况下,联盟商家或商家会提供与CU Rewards无直接关系的额外福利(例如,某些商品的价钱折扣)。CU Rewards对任何联盟商家提供的条款与条件和任何额外福利不承担任何责任,该联盟商家可以自行决定更改或终止。

CU Rewards将对于会员或其他第三方与联盟商家的独立和/或附加条件而产生的任何索赔,损失和/或费用(直接或间接性的)不承担任何责任。联盟商家应赔偿CU Rewards直接或间接的承担与维持,使其免受任何损害,责任,处罚,损失,诉讼,法律程序,费用和索赔,于任何违反或不履行或未遵守联盟商家的任何独立和/或附加条款的结果。


You can create an account at www.CURewards.my and view the Points that you have earned and used. If you believe there is an error in your account balance, you can contact our customer service centre. We will review your claim and determine whether or not to adjust your balance, at our sole discretion. If you believe your CU Rewards account has been the subject of any suspicious activity, or if your CU Rewards card account identity has been lost or stolen, or if you have changed your phone number, please contact our customer service centre immediately at 010-7799845.


你可以在www.CURewards.my 上创建一个账户,并查看您已获得和已使用的积分。如果您认为账户余额出错了,您可以联系我们的客户服务中心。我们将酌情决定审核并确定是否调整余额。如果您认为您的CU Rewards账户有可疑,或您的云联卡账户身份已丢失或被盗,或您已换了电话号码,请立即致电010-7799845联络我们的客户服务中心。


Cancellation by You. You may cancel your CU Rewards account at any time by calling our customer service centre at 010-7799845. If you cancel your CU Rewards account, any Points in your CU Rewards account will immediately be voided, and cannot be used after you cancel your account. Your membership fee in the sum of RM999 or your balance membership fee (as the case maybe) will be refunded within 60 days from the date of acceptance of cancellation by CU Rewards.

Termination by CU Rewards. We reserve the right to terminate your CU Rewards account at any time, or to modify or restrict your ability to use Points, immediately and without notice. We may do so for any reason, or no reason at all, including, but not limited to: if you violate these Terms, if you do not earn or use Points for two (2) or more years, if we determine that you are using your CU Rewards account for resale purposes, or if you act in a manner that is inconsistent with applicable laws or regulations. If we terminate your CU Rewards account, any Points in your CU Rewards account will immediately be voided and cannot be used.

Amendment of membership terms by CU Rewards. We may at our sole discretion provide a confirmation to you in writing or otherwise specifying the details of your membership. Such confirmation (if any) will be treated for all purposes to be correct and conclusive evidence of the details of your membership.

Effect of Cancellation and/or Termination . The cancellation and/or termination shall remain effective in perpetuity unless otherwise revoked by CU Rewards at its sole and absolute discretion. As such, you will be rejected for re-joining as a Member or Merchant Alliance after such cancellation and/or termination.

Death. In the event of death, your Points shall be transferred to your legal beneficiary(ies) as nominated by you in the CU Rewards's nomination form.


由您取消 。您可以随时致电我们的客户服务中心010-7799845取消您的CU Rewards账户。如果您取消了您的CU Rewards账户,您的积分将立即无效并无法使用。您的会员费总额为RM999或您的余额会员费(视情况而定)将在CU Rewards接受取消当天起60天内退还。

CU Rewards 终止 。我们保留随时终止您的CU Rewards账户,或修改或限制您使用积分的权力,恕不另行通知。我们可能处于任何原因,或根本没有任何理由这样做,包括但不限于: 如果您违反这些条款,如果您未获得或使用积分两(2)年或以上,如果您是使用您的CU Rewards账户进行转售,或者您的行事方式于适用法律或法规不一致。如果我们终止您的CU Rewards账户,您的积分将立即无效且无法使用。

CU Rewards 修改会员条款 。我们可以自行决定以书面形式向您提供确认或以其他方式指定您的会员资格的详细信息。此类确认(如果有)将被用于各种目的以确保您的会员资格是正确的和有确凿的证据的。

取消和 / 或终止的影响 。取消和/或终止将永久有效,除非CU Rewards撤销。因此,在取消和/或终止后,您将被拒绝重新加入会员或联盟商家。

死亡 。在死亡的情况下,您的积分将转移到您在CU Rewards提名表格提名的合法受益人。


You hereby grant CU Rewards and its Merchant Alliances the right to monitor your CU Rewards account activity. We have the right to take any necessary legal action based on fraud, abuse, or suspicious activity in connection with your CU Rewards account or any of your activities relating to CU Rewards, and you agree to cooperate with any such action or investigation. If you are engaged in such activity, you may be liable for monetary losses, including litigation and/or arbitration costs and damages suffered by CU Rewards. This section shall survive the termination of CU Rewards or your CU Rewards account.


您特此授予CU Rewards及其联盟商家监控您的CU Rewards账户活动的权力。我们有权根据与您的CU Rewards账户或您与CU Rewards相关的任何活动的欺诈,滥用或可疑活动采取任何必要的法律行动,并且您同意配合此类行动或调查。如果您从事此类活动,您可能需要承担金钱损失,包括诉讼和/或仲裁费用和损害赔偿。本节将在CU Rewards或您的CU Rewards账号终止后继续有效。


We may modify these Terms in any manner, at any time, in our sole discretion. Such changes may affect Points already received, including the opportunity to use such Points or their redemption rate. We will provide notice of modification on www.CURewards.my and by posting the revised Terms at www.CURewards.my and updating the last modified date. Be sure to check www.CURewards.my from time to time to ensure that you are aware of any changes to these Terms. Modifications to these Terms are effective immediately when posted. Except as set forth herein, modifications apply only to transactions and disputes that arise after the effective date. Your continued use of CU Rewards after changes have been made to these Terms constitutes your agreement to be bound by the modified Terms. If you do not agree to be bound by the modified Terms, your only recourse is to cancel your membership.


我们可以随时自行决定以任何方式修改这些条款。此类更改可能会影响已收到的积分,包括使用此类积分的机会或其回馈率。我们将会在www.CURewards.my上发布修改通知,并在 www.CURewards.my 上发布修订后的条款并更新上次修改日期。请务必不时查看 www.CURewards.my ,以确保您了解这些条款的任何变更。修订后的条款在发布后立即生效。除非本文所述,否则修改仅适用于生效日期之后产生的交易和争议。在您对这些条款进行更改后还继续使用CU Rewards即表示您同意接受修改后的条款的约束。如果您不同意受修改条款的约束,您唯一的办法是取消您的会员资格。


CU Rewards and its Merchant Alliances make no guarantees, warranties or representations of any kind concerning CU Rewards or Gift Points. All Points are void where prohibited by applicable laws or regulations, and these Terms are subject to immediate change if necessary to comply with such laws or regulations. You release and hold harmless us, our affiliates, and any participating Merchant Alliances or other merchants from all liability regarding your earning and use of Points or your participation in CU Rewards. The CU Rewards Malaysia program is only available in English. For Chinese and Malay language version, please visit www.CURewards.my. In the event of discrepancy, the English language version shall prevail.

We make no representations or warranties, either express or implied, including, but not limited to: any implied warranty of quality, condition, merchantability, fitness for intended use or a particular purpose, or those arising by statute or otherwise in law or from a course of dealing or usage of trade regarding CU Rewards or the services, materials, or goods advertised, promoted, sold or otherwise made available through a Merchant Alliance. You agree that your purchases of goods or services from a Merchant Alliance are between you and them, are made at your own risk, and are subject to any additional terms, conditions and restrictions between you and them. We have no responsibility for the delivery, standard, quality, safety, use, suitability or any other aspect of any goods or services ordered or purchased, except where required by law. Merchant Alliances are not the partners of CU Rewards.

Participating Merchant Alliances or participating Merchant Alliance locations may change at any time, and we may terminate or suspend CU Rewards's relationship with any Merchant Alliance or merchant without prior notice to you. A Merchant Alliance that is no longer participating in CU Rewards may still appear on marketing materials.

You acknowledge and agree that you have no ownership rights in Points or your CU Rewards account. You further acknowledge and agree that you have no third-party beneficiary rights in any agreement between us and any Merchant Alliance, and that the only relationship created by these Terms is one between you and us.

CU Rewards cannot be used where prohibited by laws and regulations or under any restriction. If any term of this agreement is found by a court to be illegal or not enforceable, except as otherwise provided in the Limitations on Arbitration subsection below, all other terms will still be valid and enforceable.


CU Rewards及其联盟商家不对CU Rewards或白积分提供任何形式的担保,保证或表示。在适用法律或法规禁止的情况下,所有积分均无效,如有必要,这些条款可能会立即更改,以符合此类法律或法规。您免除并保护我们,我们的附属公司以及任何参与的联盟商家或其他商家承担有关您赚取和使用积分或您参加CU Rewards的所有责任。CU Rewards Malaysia程序仅提供英文版本。有关中文和马来文版本,请浏览 www.CURewards.my 。如有差异,以英文版本为准。

我们不作任何明示或暗示的表示或保证,包括但不限于:质量,条件,适销,适用于预期或特定用途的任何默示担保,或由法规或法律规定引起的或关于CU Rewards的交易或贸易的使用或通过联盟商家的广告,材料,或宣传,销售或以其他方式提供的服务。您同意从联盟商家购买商品或服务是您和他们之间的交易,风险自负,并受到您和他们之间的任何其他条款,条件和限制的约束。除法律要求外,我们对订购或购买的任何产品或服务的交货,标准,质量,安全,使用,适用性或任何其他方面不承担任何责任。联盟商家不是CU Rewards的合作伙伴。

联盟商家或联盟商家的地点可能随时更改,我们可能会终止或暂停CU Rewards与任何联盟商家或商家的关系,恕不另行通知。不再参与CU Rewards的联盟商家仍可能出现在营销材料中。

您承认并同意您对积分或您的CU Rewards账户没有所有权。您进一步确认并同意您在我们与任何联盟商家之间的任何协议中没有第三方收益权,并且这些条款创建的唯一关系是您和我们之间的关系。

CU Rewards不得在法律和法规禁止或任何限制的情况下使用。如果法院认定本协议的任何条款是非法的或不可强制执行的,除非仲裁时效小节另有规定,否则所有其他条款仍然有效且可执行。


Under no circumstances shall we, or any of our affiliates, or our or their vendors, or any Merchant Alliance be liable to you for any indirect, incidental, consequential, special, exemplary or punitive damages, whether any claim is based on warranty, contract, tort (including, without limitation, negligence) or otherwise (even if any of them have been advised of the possibility of such damages). This limitation of liability shall apply however damages arise, including, without limitation, whether such damages are incurred by third parties, and/or whether such damages arise from transactions between you and a Merchant Alliance, your use or misuse of CU Rewards, your inability to use CU Rewards, or the interruption, suspension, or discontinuation of CU Rewards.

In addition to any liability which you may otherwise have under the law, you undertake to indemnify (on a full Indemnity basis) us against any losses, liabilities or costs which we may incur due to:

  1. any misrepresentation in or breach of these Terms by you; or
  2. we are acting in accordance with the instructions given by you by facsimile or electronic transmission, the internet or the telephone.

We, any of our affiliate or any of our officers, employees or agents, will not be liable for any losses, liabilities or costs which may be caused by us acting upon any signature or document believed to be signed, or any verbal communication believed to be given, by a person authorized by you.


在任何情况下,我们或我们的任何附属公司,或我们或他们的供应商,或任何联盟商家,对于任何间接的,非主要的,后果性的,特殊的,示范的或惩罚性赔偿,无论任何索赔是基于保证、合同、侵犯(包括但不限于,疏忽)或其他(即使其中任何人已被告知可能发生此类损害)都不对您负责。此责任限制适用但无论是否发生损坏,包括但不限于此类损害是否由第三方引起,和/或此类损害是否源于您与联盟商家之间的交易,您使用或滥用CU Rewards,您无法使用,或中断,暂定或终止CU Rewards。


  1. 您对本条款的虚假陈述或违反;或
  2. 我们按照您通过传真或电子传输,互联网或电话给出的指示行事。



Except as expressly set forth herein, you may not sell, assign or transfer any Gift Points you receive, any other aspect of your CU Rewards account, or any of your rights or obligations under these Terms, whether by operation of law or otherwise. We may sell, transfer, or assign the CU Rewards program, these Terms, or your CU Rewards account, in whole or in part, at any time, without notice to you. If we make such an assignment, the sole responsibility for the matters assigned, including any obligations to you, will lie with the party to which we make the assignment, and we will be released from any responsibilities or obligations.


除非在此明确规定,否则您不得通过法律或其他方式出售,转让或转移您收到的任何白积分,您的CU Rewards账户的任何其他方面,或您在本条款下的任何权利或义务。 我们可以随时出售,转让或转移CU Rewards计划,这些条款或您的CU Rewards账户的全部或部分内容,恕不另行通知。 如果我们作出此类转让,则所分配事项的全部责任(包括对您的任何义务)将由我们作出转让的一方承担,我们将被免除任何责任或义务。


This Agreement shall be construed and governed by the laws of Malaysia. In the case of dispute(s) between the Parties which cannot be resolved amicably, such dispute(s) shall then be submitted to arbitration which shall be conducted by KLRCA using a three (3) arbitrator panel selected by the Parties with the venue at Kuala Lumpur and such arbitration shall be settled / determined in accordance with the KLRCA Arbitration Rules.


本协议应受马来西亚法律解释和管辖。 如果双方之间的争议无法友好地解决,则此类争议应提交仲裁,仲裁应由KLRCA使用双方选定的三(3)名仲裁员小组在吉隆坡进行仲裁。此类仲裁应根据吉隆坡仲裁区域中心仲裁规则解决。


We will not be liable for our failure to fulfil any obligations in relation to the Gift Points and any of our obligations in accordance with these Terms due to natural disasters, strike, riot, war, epidemic, pandemic, change of law or any other circumstances beyond our control.




All payments of principal and interest (if any) and in relation to Gift Points under these terms will be made free and clear of and without deduction or withholding for or on account of any present or future taxes, duties or other governmental charges of whatsoever nature imposed or levied by or on behalf of any authority having power to tax unless we are required by the applicable law to deduct or withhold any such taxes, duties or other charges, in which event the we will make such deduction or withholding without your consent.



You have not relied upon our views or advice of or any of our affiliates in assessing the merits, risks and suitability of CU Rewards's membership and acknowledge that any communication, either written or verbal, received from us with respect to the CU Rewards membership is for the sole purpose of explaining the factual description of the Gift Points. Neither the Bank nor any of our affiliates is acting in a fiduciary capacity or as a financial adviser in respect of the Gift Points.


您尚未依靠我们或我们任何联盟商家的观点或建议来评估CU Rewards会员的优点,风险和适用性,并承认我们收到的有关CU Rewards会员的任何书面或口头沟通来解释和描述白积分的事实。银行或我们的任何附属公司均未以受托身份或作为白积分的财务顾问。


Notification of any matter in relation to CU Rewards program or membership shall be deemed given to you if it is made via any one of the methods below:

  1. by posting on our website at www.CURewards.my; or
  2. by sending an email to you who have provided email address to us; or
  3. by publication in a newspaper; or
  4. sending by ordinary post to your last known address appearing in our records


任何有关CU Rewards计划或会员的任何事项的通知将会通过以下任何一种方法进行:

  1. 通过我们的网站www.CURewards.my发布; 或
  2. 发送电子邮件给向我们提供电子邮件地址的人; 或
  3. 在报纸上刊登; 或
  4. 通过邮件发送到我们记录中出现的最后已知地址



Collection of Personal Data

We treat and view your personal data seriously.

In the course of your dealings with CU Rewards as our valued affiliate, member or customer, we will request that you provide data and information about yourself ("Personal Data") to enable us to enter into transaction with you or to deliver the necessary services and/or products in connection with our business. These are relevant in connection with our business process execution, including membership registering, delivery of services and/or products, client relationship management, sales, marketing, research & affiliate,

附录 1

CU REWARDS - 个人数据和咨询通知

1. 收集个人资料


在您与CU Rewards作为我们重要的联盟商家,会员或顾客的交易过程中,我们将要求您提供有关您自己的数据和信息("个人数据"),以便我们能够与您进行交易或提供必要的服务和/或与我们业务有关的产品。 这些都与我们的业务流程执行相关,包括会员注册,服务和/或产品交付,客户关系管理,销售,营销,研究和会员,会员或顾客资料分析的目的。

Nature of Personal Data

Such Personal Data and Information may be subject to applicable data protection, privacy and other similar laws and may include information concerning name, age, identity card number, passport number, address (including shipping and billing address), gender, date of birth, contact information, email address, telephone number, nationality, company name (if applicable) and introducer's details.

2. 个人资料的性质


3. Impact resulting from failure to supply information

The failure to supply such Personal Data will:-

  1. result in us being unable to provide affiliate, member or customer with the services and/or products requested;
  2. affect your registration as our affiliate, member or customer; and
  3. result in us being unable to update you on our latest system, product and service launches and/or events.

3. 未能提供信息而产生的影响


  1. 导致我们无法向联盟商家,会员或顾客提供所要求的服务和/或产品。
  2. 影响您作为我们的联盟商家,会员或顾客的注册;和
  3. 导致我们无法向您通报我们最新的系统,商品和服务的发布会和/或活动。

4. Purpose of collecting Personal Data

The Personal Information you provide will be collected, used and otherwise processed by us for the following purposes:

  1. to complete your enrolment process with CU Rewards;
  2. in order for you to enter into the necessary agreement and/or contract to purchase the products or subscribe the services with the Merchant Alliances;
  3. user, member or customer relationship management procedures;
  4. the delivery of services or products and the marketing of such services or products whether present or future, to you;
  5. those purposes specifically provided for in any particular service or product offered by us;
  6. conducting marketing and client profiling activities in connection with our business, services and related products;
  7. for our internal record keeping;
  8. collection of outstanding payments;
  9. meeting any legal or regulatory requirements relating to our provision of services and products and to make disclosure under the requirements of any applicable law, regulation, direction, court order, by-law, guideline, circular, code applicable to us or any member companies of our Group;
  10. for the purposes of affiliate or membership management; and
  11. purposes relating to any of the above (including but not limited to research, benchmarking and statistical analysis).

4. 收集个人资料的目的


  1. 在CU Rewards完成注册流程;
  2. 为了您与联盟商家签订必要的协议和/或合同购买产品或订购服务;
  3. 用户,会员或客户关系管理程序;
  4. 现在或将来向您提供服务或产品以及销售此类服务或产品;
  5. 我们提供的任何特定服务或产品中有特别的目的;
  6. 与我们的业务,服务和相关产品进行营销和客户分析活动;
  7. 我们的内部记录保存;
  8. 收取未付款的钱;
  9. 达到与我们提供服务和产品有关的任何法律或监管要求,并根据法律,法规,指示,法院命令,章程,指南,通告和代码的要求向我们或任何会员公开;
  10. 为了联盟商家或会员管理;和
  11. 与上述任何相关的目的(包括但不限于研究,基准和统计分析)。

5. Disclosure

Personal Data and Information provided to us will generally be kept confidential but you hereby consent and authorize us to provide or disclose your Personal Data and Information to the following categories of parties:-

  1. any person to whom we are compelled or required to do so under law or in response to a competent or government agency;
  2. any related companies and subsidiaries of the CU Rewards Group, including those established in the future;
  3. our business partners and online affiliates that provide related services or products in connection with our business;
  4. government agencies, statutory authorities and industry regulators;
  5. our auditors, consultants, accountants, lawyers or other financial or professional advisers;
  6. our sub-contractors or third party service or product providers as may determine to be necessary or appropriate;

5. 披露


  1. 根据法律或对主管或政府机构的回应,我们都被强迫或被要求去执行;
  2. CU Rewards Group的任何相关公司或附属公司,包括未来成立的公司和附属公司;
  3. 我们的合作伙伴和在线的联盟商家提供与我们相关的服务或产品;
  4. 政府机构;法定权限和行业机关;
  5. 我们的审计员,顾问,会计师,律师或其他财务或专业顾问;
  6. 我们的分包商或第三方服务或产品供应商可能认为是必要或适当的。

6. Safeguards

We shall keep and process your data in a secured manner. We endeavour, where practicable, to implement the appropriate administrative and security safeguards and procedures in accordance with the applicable laws and regulations to prevent the unauthorized or unlawful processing of your Personal Information and the accidental loss or destruction of, or damage to, your Personal Information.

6. 保障措施


7. Data Transfer & Sharing

Where we consider it necessary or appropriate for the purposes of data storage or processing or providing any service or product on our behalf to you, we may transfer your Personal Data and Information to another member of our Group companies or third party service or product providers within or outside the country in which we are established, under conditions of confidentiality and similar levels of security safeguards.

7. 数据转换和共享


8. Your Rights of Access and Correction

8.1 You have the right to request access to and correction of information about you held by us and in this respect, you may:

  1. check whether we hold or use your Personal Information and request access to such data;
  2. request that we correct any of your Personal Information that is inaccurate, incomplete or out-of-date;
  3. request that your Personal Information is retained by us only as long as necessary for the fulfilment of the purposes for which it was collected;
  4. request that we specify or explain its policies and procedures in relation to data and types of Personal Data and Information handled by us;
  5. communicate to us your objection to the use of your Personal Data and Information for marketing purposes whereupon we will not use your Personal Information for these purposes; and
  6. withdraw, in full or in part, your consent given previously, in each case subject to any applicable legal restrictions, contractual conditions and a reasonable time period.

8. 您的查阅和更正权力

8.1 您有权要求查询和更正我们所持有的您的信息,在这方面,您可以:

  1. 检查我们是否持有或使用您的个人资料并要求查询此类数据;
  2. 要求我们更正任何不准确,不完整或过时的个人资料;
  3. 要求我们在达到收集目的所必需的时间内保留您的个人资料;
  4. 要求我们指定或解释与我们处理的数据和个人数据和资料的类型有关的政策和程序;和
  5. 告知我们您出于营销目的而反对使用您的个人数据和资料,因此我们不会将您的个人资料用于这些目的;和
  6. 完全或部分撤回您之前给予的同意,在每种情况下均受适用的法律限制,合同条件和合理的时间期限的约束。

9. Other information available about the Privacy Policy

To learn more about our Privacy Policy, please read our other Privacy Policies at: www.CURewards.my

9. 有关隐私政策的其他资料