Terms and Conditions of Service
Terms and Conditions (Access to the Bank Rakyat Sandbox platform)

These terms of use (‘Terms’) govern your usage of the Bank Rakyat Sandbox platform which includes the Application Programming Interface (‘APIs’), a sandbox environment, tools, content and intellectual property rights (‘Bank Rakyat Sandbox). You shall be deemed to have accepted to be legally bound by these Terms by virtue of your use of the Bank Rakyat Sandbox platform.

1. Definitions

2. Compliance with Laws

The user and/or his representative must comply with the terms of use and other relevant legal provisions that apply. Users are not allowed to use Bank Rakyat API Sandbox and API Service for acts against the law.

3. Access Rights

To access and use the Bank Rakyat Sandbox platform, you need to register and have an account with the portal. You are responsible for the accuracy, correctness, and completeness of your registration information. You must immediately inform the Bank if there is a change in your data.

a. MyApps

MyApps is part of the Bank Rakyat Sandbox platform. MyApps is used to test and verify the connection between users and the platform database (dummy database). Users are only allowed to access MyApps through the procedures described in the API documentation. Users are required to use data obtained from Bank Rakyat in accordance with their rights and authorities and must maintain data confidentiality.

Access to MyApps is accessible through the Bank Rakyat Sandbox platform, while access to production and/or live data requires approval from Bank Rakyat.

b. Data MyApps

Users acknowledge and agree that data accessed through MyApps is dummy information (not actual data). The Bank reserves the right to change and/or delete this data at any time without prior notification.

c. MyApps Restrictions

The Bank has the right to determine limits on the use of the Bank Rakyat APIs for each user, for example, the type and number of Transactions Per Second (TPS) that can be accessed. If you want to use the API and the number of TPS exceeds the specified limit, you can contact us at APISandbox.support@bankrayat.com.my. In connection with this, users agree to the limitation and will not try to access anything outside the available APIs listed on the platform.

d. Two-Factor Authentication (TFA)

To enhance Users’ accounts, the Bank requires users to use TFA. TFA adds an extra layer of protection by requiring users to provide two different forms of identification when logging in. Users can choose to install their preferred authentication apps as prompted in the portal. After setting up TFA, users will need to provide both password and verification code generated by the authentication apps to log in to Bank Rakyat Sandbox.

4. Monitoring

Users acknowledge and agree that the Bank has the right to access and monitor users' accounts to maintain the security and quality of services or other matters that may affect the operational activities of the Bank. With these considerations and reasons, the Bank has the right to terminate user account access and delete the account.

5. Prohibition

In using the Bank Rakyat Sandbox platform, users are prohibited from:

i.    Transferring the rights and authority to use the Bank Rakyat API Service to other parties in any way.
ii.  Create a Bank Rakyat API Service that functions the same as the Bank Rakyat API and offers it for use by any other party.
iii. Take actions with the intention of disrupting the operational activities and/or Bank Rakyat API Service with viruses, worms, trojans, spyware, ransomware malware or in any way that is destructive.
iv.  Interfere with Bank Rakyat Sandbox platform operations and services by using any means and forms.
v.   Using Bank Rakyat API Service for any Shariah Non-Compliance activities.
vi.  For any other purpose other than that for which your access was granted.

In the event that the user does the prohibited things mentioned above, then all losses suffered by the Bank as a result of the prohibition by the user will be the responsibility of the user, and the Bank has the right to take legal steps for violations of the prohibition by the user.

6. Suspension and Termination

The Bank with certain considerations has the right to suspend and/or terminate user access to the Bank Rakyat API Service. After the Bank terminates the user’s access to the Bank Rakyat API Service and/or Bank Rakyat Sandbox platform, the user must immediately cease all use of the Bank Rakyat API Service and/or Bank Rakyat API platform and comply with any further instructions provided by the Bank regarding the termination process.

7. Limitation of Liability

a. Bank is not responsible for the following matters:

• Claims from third parties due to loss of profits, income and or due to the use of Bank API Services and/or Bank Rakyat API Sandbox platform

• All costs and losses, either directly or indirectly, as a result of the User’s use of the Bank API Service and/or Bank Rakyat API Sandbox platform

b. The user must be responsible and indemnify Bank and employees of Bank against all liabilities, damages, losses, costs (including legal fees) and other costs related to all accusations from other parties that may arise as a result of, among others:

• Misuse of the use of the Bank Rakyat API Service by the user or the user’s end users and/or

• Violation of the terms of us by the user or user’s end users.