Terms & Conditions

TERMS & CONDITIONS

Last Updated: 28 January 2026

These Terms of Use (“Terms”) govern your access to and use of the Akira platform, including any websites, mobile applications, web applications, interfaces, APIs, software, features, and related services made available from time to time (collectively, the “Platform”). References to “Company,” “we,” “us,” or “our” refer to Exodia Technology (KL) PLT, the operator of the Akira Platform. References to “you” or “User” mean any individual or entity that accesses or uses the Platform. By accessing, registering for, downloading, installing, or using the Platform in any manner, including by clicking “I Agree,” “I Accept,” or continuing to use the Platform after these Terms are made available, you acknowledge that you have read, understood, and agree to be bound by these Terms and the Privacy Policy. If you do not agree to these Terms, you must not access or use the Platform.

Akira is a technology platform designed to facilitate access to card, payment, and related financial services provided by independent, licensed third-party service providers. The Company is not a bank, financial institution, payment service provider, card issuer, or money services business. The Company does not issue cards, does not hold, safeguard, or custody user funds or digital assets, does not process or settle payment transactions, and does not provide regulated financial services. All regulated activities, including card issuance, payment processing, transaction settlement, compliance checks, monitoring, enforcement, and any other regulated functions, are performed exclusively by licensed third-party service providers and card networks, including international card organizations, in accordance with their respective rules, policies, and regulatory obligations. All card programs are owned and operated by licensed third-party card issuers. Akira does not own, operate, manage, or control any card program. Services provided by independent third-party service providers are governed by their respective terms and policies. Any disputes, issues, or claims relating to such services must be resolved directly with the relevant third-party provider. Akira does not control and is not responsible for the performance, availability, or outcomes of Third-Party Services.

Use of the Platform is permitted only if you are at least eighteen (18) years of age or the age of majority in your jurisdiction, have the legal capacity to enter into binding agreements, are not prohibited by applicable laws from using the Platform, are not located in any restricted, sanctioned, or prohibited jurisdiction, and comply with all applicable local, national, and international laws and regulations. The Company reserves the right to refuse, restrict, suspend, or terminate access to the Platform at any time and for any reason, including for compliance, legal, security, operational, or risk management purposes. Certain features or services may not be available in all jurisdictions.

Users must not be located in, a citizen of, or acting on behalf of jurisdictions subject to sanctions imposed by the United Nations, United States, European Union, United Kingdom, or other applicable authorities. Access to certain services may be restricted or unavailable as required by law.

Certain features of the Platform may require you to create an account. You agree to provide accurate, complete, and up-to-date information, to maintain the confidentiality of your credentials, and to ensure the security of any device, system, or access method used to access the Platform. You are solely responsible for all activities conducted through your account, whether authorized or unauthorized. The Company is not responsible for losses arising from compromised credentials, unauthorized access, or your failure to secure your account, device, or access environment.

Certain services accessible through the Platform are provided directly by independent third-party service providers (“Third-Party Services”). By accessing or using any Third-Party Services, you acknowledge and agree that such services are governed solely by the applicable third-party provider’s terms, conditions, and policies, that the Company is not a party to those agreements, and that the Company does not control or assume responsibility for the performance, availability, acts, omissions, or outcomes of any third-party service provider. You may be required to complete identity verification, screening, compliance checks, or provide additional information directly to such providers, and failure to satisfy those requirements may result in restricted, suspended, or denied access to certain services.

Payment cards made accessible through the Platform are issued by licensed card issuers and operate under the rules of applicable international card networks such as Visa, Mastercard, or similar organizations. Card usage is subject to issuer rules, network rules, regulatory requirements, and third-party provider policies. The Company does not control transaction approvals, declines, reversals, limits, fees, chargebacks, dispute handling, or dispute outcomes and bears no responsibility for such matters, all of which are governed by the applicable third-party provider and card network frameworks.

Certain payment cards made accessible through the Platform may be issued as physical cards, virtual cards, or both, and may be provisioned into third-party digital wallets or device-based payment services such as Apple Pay, Samsung Pay, or similar technologies, subject at all times to the applicable issuer, card network, and digital wallet provider rules and requirements. The Company does not operate, control, or manage any digital wallet service and does not perform tokenization, device provisioning, transaction authorization, or wallet-level security functions. Availability of digital wallet functionality, tokenization eligibility, device compatibility, transaction approval, suspension, or removal of cards from a wallet is determined solely by the applicable card issuer, card network, and wallet provider. Use of any digital wallet is governed exclusively by the applicable third-party wallet provider’s terms and policies. You are solely responsible for maintaining the security of your devices, wallet credentials, biometric authentication, passcodes, and access controls, and for promptly reporting any loss, theft, compromise, or unauthorized use of a device, wallet, or tokenized card to the relevant wallet provider and card issuer.

Fees applicable to Third-Party Services are determined and charged by the relevant service providers and disclosed to you during onboarding or use, and may change from time to time. The Company may charge platform-related fees where applicable, which will be disclosed clearly. All fees are non-refundable unless otherwise required by applicable law.

To improve the security, performance, functionality, reliability, and overall operation of the Platform, the Company may use automated systems, including machine learning or artificial intelligence–based tools, to analyze Platform usage data, transactional metadata, and related information. Such analysis may be used for purposes including fraud detection, risk assessment, service optimization, personalization, analytics, monitoring, and product development. Any automated analysis is conducted in accordance with applicable laws and does not constitute automated decision-making producing legal or similarly significant effects on users without appropriate safeguards.

Use of payment cards, digital assets, and blockchain-related services involves significant risks, including transaction failures, delays, reversals, regulatory restrictions, service interruptions, operational issues, technological limitations, and potential loss of funds. You acknowledge and accept that you use the Platform and any related services entirely at your own risk. Nothing on the Platform constitutes financial, legal, tax, or investment advice, and you are solely responsible for your decisions and should seek independent professional advice where appropriate.

All content, software, designs, trademarks, logos, interfaces, features, and intellectual property associated with the Platform are owned by or licensed to the Company. You may not copy, modify, distribute, reverse-engineer, decompile, disassemble, or otherwise exploit any part of the Platform without prior written consent. You agree not to use the Platform for unlawful, fraudulent, deceptive, or abusive activities, including money laundering, terrorism financing, sanctions evasion, misuse of card networks or payment systems, infringement of third-party rights, or attempts to bypass security, compliance, or access controls. Violations may result in immediate suspension or termination of access without notice.

For purposes of mobile application distribution, the Company does not process payments or handle financial transactions within the App. All payment-related services are provided by independent third-party service providers outside of the App. Certain features available through the App may redirect users to, rely on, or be completed via third-party services governed by their own terms and policies.

To the maximum extent permitted by law, the Platform is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. The Company disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. The Company shall not be liable for any indirect, incidental, special, punitive, or consequential damages, nor for any acts or omissions of third-party service providers.

The Company may suspend or terminate access to the Platform at any time for legal, compliance, security, operational, or risk-related reasons. Termination does not affect obligations incurred prior to termination. These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to conflict-of-law principles. The Company may amend these Terms from time to time, and continued use of the Platform constitutes acceptance of the revised Terms.