Terms & Conditions


1. General

This software program, and any files that are delivered to you (through on-line transmission or otherwise) to patch, update, or otherwise modify and/or enhance the software program, as well as any printed materials and any on-line or electronic documentation, and any and all copies and derivative works of such software program and materials (collectively, with the "One Krypto Application") are intellectual property of MTB Securenet of Suite 39-06 Menara Citibank, 165 Jalan Ampang, 50450 Kuala Lumpur, Malaysia.

All use of the One Krypto Application is governed by the terms of this Licence Agreement.

One Krypto Application is distributed solely for use by authorised end users according to the terms of this Licence Agreement. Any use, reproduction or redistribution of One Krypto Application not expressly authorised by the terms of the Licence Agreement is expressly prohibited.

2. Grant of a Limited Use Licence

One Krypto Application is installed as a mobile device application on your hardware to allow you to use your One Krypto Account to access to the Service. To access the Service, you must therefore: (i) register for and login using an authorised One Krypto Account, (ii) obtain access to the Service and (iii) agree to the terms of this Licence Agreement and Privacy Policy. Subject to your agreement to and continuing compliance with this Licence Agreement, MTB Securenet hereby grants, and by installing the One Krypto Application you thereby accept, a limited, revocable, non-transferable, non-sub-licensable and non-exclusive licence to install the One Krypto Application – unless otherwise expressly permitted in this Licence Agreement – for your personal and non-commercial use on one (1) or more hardware devices which you own or which you personally control. All use of the One Krypto Application is subject to this Licence Agreement which you must accept before you can use your One Krypto Account to access the Service. MTB Securenet reserve the right to update, modify or change One Krypto for any reason whatsoever.

3. What personal data MTB Securenet collects and the source of your personal data

During registration of an account, you will fill up an application form with your personal data. MTB Securenet only collect the following data from you:

  • Your registered e-mail address (optional).

  • Your registered password.

  • Your details stored in your hardware or mobile device(s) and those used in the use of the purchased products and services such as your internet protocol and cookies information.

  • Your payment details (such as the status of payment, date of transaction, transaction amount, your chosen subscription plan and your acquirer user profile identity) received by the acquirer.

  • MSISDN number (your telephone number) (optional).

Sensitive personal data as defined by law is any personal data consisting of information as to the physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, and the commission or alleged commission of any offence. MTB Securenet’s does not seek to collect sensitive personal data. If such data is sought, the purpose for collecting the data will be explained to you and your express consent is required. For more information of how these data is being used, please refer to our Privacy Policy.

4. Ownership

All intellectual property rights in and to One Krypto Application are owned or expressly licensed by MTB Securenet. One Krypto Application is protected by the intellectual property laws of Malaysia, international intellectual property treaties and conventions, and other laws. All rights are reserved. One Krypto Application may contain certain licensed materials, and licensors of those materials may enforce their rights in the event of any violation or breaches by you.

In order to access the Service and to use One Krypto Application, you are required to register a One Krypto Application Account that is unique to you and non-transferable. Therefore, MTB Securenet does not allow you to transfer ownership of One Krypto Application to other parties.

5. Responsibilities of End User

Subject to this Licence Agreement, you may not, in whole or in part, or cause to be, copy, photocopy, reproduce, translate, reverse engineer, derive source code, modify, disassemble, decompile, or create derivative works based on One Krypto Application, or remove any proprietary notices or labels on One Krypto . Failure to comply with these restrictions and limitations shall result in immediate, automatic termination of the licence granted hereunder and may subject you to civil and/or criminal liability.

You agree that you shall not, under any circumstances:

  • sell, grant a security interest in or transfer reproductions of One Krypto Application to other parties, nor shall you rent, lease or licence One Krypto to others;

  • exploit One Krypto Application or any of its parts for any commercial purpose without MTB Securenet’s permission in writing;

  • create or maintain, under any circumstance, any unauthorised connections to One Krypto Application or the Service. All connections to One Krypto Application and/or the Service, whether created by the One Krypto Application or by other tools and utilities, may only be made through methods and means approved by MTB Securenet. Under no circumstances may you connect, or create tools that allow you or others to connect, to One Krypto Application’s interface other than those provided by MTB Securenet for public use.

  • use One Krypto Application and/or the Service for any unlawful or illegal purposes.

6. Termination

This Licence Agreement is effective until terminated. On termination for any reason, all licences granted herein shall immediately terminate. There shall be no requirement to provide any warning, notice or reason prior to termination of this Licence Agreement.

7. Patches and Updates

MTB Securenet shall have the right to deploy or provide patches, updates and modifications to One Krypto Application, as needed or as useful to:

  • incorporate new features to or remove features from One Krypto Application,

  • enhance and modify content or features already in One Krypto Application;

  • fix ‘bugs’ that may be altering or affecting One Krypto Application;

  • determine how you and other users utilise One Krypto Application; and

  • protect you and other users against the use of One Krypto Application for mischievous, unlawful or illegal purpose.

These patches, updates and modifications to One Krypto Application must be installed for the user to continue using One Krypto . For these purposes, MTB Securenet may update One Krypto Application remotely, including, without limitation, the One Krypto Application residing on your hardware, without your knowledge or consent, and you hereby grant to MTB Securenet your consent to deploy and apply such patches, updates and modifications to the One Krypto Application.

8. Duration of One Krypto and the Service

One Krypto Application is a network service that must be used through the Service, as provided by MTB Securenet. It is your responsibility to secure a network connection and all fees related thereto shall be at your own cost. MTB Securenet will use reasonable efforts to provide the Service all day, every day. However, MTB Securenet reserves the right to temporarily suspend the Service for maintenance, testing, replacement and repair of the telecommunications equipment related to One Krypto Application, as well as for transmission interruption or any other operational needs of the system. MTB Securenet can neither guarantee that you will always be able to communicate with other users, nor that you can communicate without disruptions, delays or communication-related flaws. MTB Securenet is not liable for any such disruptions, delays or communication-related flaws during your use of One Krypto Application. MTB Securenet agrees to provide the servers and software necessary to access the Service until such time as One Krypto Application is out of service. One Krypto Application shall be considered out of service following the date that One Krypto Application is no longer manufactured and/or distributed by MTB Securenet, or its affiliates. Thereafter, MTB Securenet may, in its sole and absolute discretion, continue to provide the Service or licence to third parties the right to provide the Service. However, nothing contained herein shall be construed so as to place an obligation upon MTB Securenet to provide the Service beyond the time that MTB Securenet is out of service. Neither the Service nor MTB Securenet’s agreement to provide access to the Service shall be considered a rental or lease of time on or capacity of MTB Securenet’s servers or other technology.

9. No Responsibility for Individual Communication

You acknowledge that the content of the communication with other users through One Krypto Application is entirely the responsibility of the user from whom such content originates and vice versa. You may therefore be exposed to content that is defamatory, offensive, mischievous, harmful to minors, indecent or otherwise objectionable. MTB Securenet is not liable for any such communication by other users through One Krypto Application.

10. Limitation of Liability

In no event shall MTB Securenet be liable for any loss or damage whatsoever in connection with this Licence Agreement and/or One Krypto Application, arising from loss of profits, loss of use, loss or corruption of data, indirect, incidental, consequential, or special damages, irrespective whether MTB Securenet had advance notice of the possibility of such damages.

11. Rights on Breach

One Krypto Application as well as the trademarks, patent (if any) and copyrighted content contained therein and associated with One Krypto Application are the property of MTB Securenet, and, through the efforts of MTB Securenet, has established substantial goodwill and recognition. In the event of a significant breach of the terms of this Agreement, MTB Securenet reserves its right to take all legal action available to MTB Securenet and/or its licensors and claim all available remedies under the law.

12. Changes to the Agreement

MTB Securenet may, from time to time, change, modify, add to, or supplement this Licence Agreement. Those changes will become effective upon notice as follows: MTB Securenet will: (i) post a notice on the changes to this Licence Agreement on the MTB Securenet’s website located at www.onekrypto.com with the revised version of this Agreement for a period of 14 days and (ii) through a pop-up screen require you to view and accept the changes to this Agreement before proceeding to the One Krypto Application. Following the said notification, the continued use of One Krypto Application and the Service by you will mean you accept any and all such changes.

13. Governing Law

This Licence Agreement and your use of One Krypto Application shall be governed under the laws of Malaysia including but not limited to the Communication and Multimedia Act 1998, Computer Crimes Act 1997, Digital Signature Act 1997. Any dispute arising herein shall be resolved by the Malaysian Courts.

14. Miscellaneous

In the event that any provisions of this Licence Agreement shall be held by a court or other tribunal of competent jurisdiction to be unenforceable, the remaining portions of this Licence Agreement shall remain in full force and effect. This Licence Agreement constitutes and contains the entire agreement between the parties with respect to the subject matter hereof and supersedes any prior oral or written agreements.

I represent that I am a natural person over the age of eighteen (18) years or over the age of majority in my country of residence. I hereby acknowledge that I have read and understood the terms of the Licence Agreement. I further agree that the action of installing the One Krypto Application is an acknowledgment of my agreement to be bound by the terms and conditions of the Licence Agreement contained herein on behalf of myself and, as far as applicable, for one minor child for whom I am a parent or legal guardian and whom I have authorised to use One Krypto Application and the Service.