THE FOLLOWING TERMS AND CONDITIONS (“TERMS AND CONDITIONS OF ACCESS”) APPLY TO YOUR ACCESS AND USE OF BSN HAPPY REWARDS PROGRAMME PRODUCT AND SERVICES ('BSN HAPPY REWARDS’) UNDER THE DOMAIN NAME www.bsnhappyrewards.com.my AND THE SERVICES PROVIDED HEREIN BY BANK SIMPANAN NASIONAL ('BSN'). YOUR USE OF INFORMATION, GRAPHICS AND MATERIALS ON THIS WEBSITE IS GOVERNED BY THESE TERMS AND CONDITIONS.                                                                                                                                                                                                         




The term "BSN" as used in these Terms and Conditions of Access refers to Bank Simpanan Nasional and its subsidiaries, either individually and/or collectively as the context requires.

All products and services of the BSN herein provided are subject to the applicable terms and conditions and/or agreements governing their use. These Terms and Conditions of Access are meant to regulate your access to this website and they are to be read together with the applicable terms and conditions governing any transaction(s), product(s) and/or service(s) provided in this website. In the event of conflict between these Terms and Conditions of Access and the terms and conditions governing the relevant transaction(s), product(s) and/or service(s) provided herein, the latter will prevail.

The Terms and Conditions of Access herein and all its supplements, amendments and variations shall collectively constitute the agreement between the Customer and BSN, and shall apply to BSN Happy Rewards.

The information, material, products and services described or offered in this website are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject BSN to any restriction within such jurisdiction or country.

The information, material, contents and services provided in this website may be changed from time to time with twenty one (21) prior notice via such mode as BSN deem appropriate. Your continued access or use of the website and/or the services provided herein subsequent to any such change will be deemed as your binding acceptance to those changes.


The information and materials made available in this website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items, are provided by BSN on an "as is" and "as available" basis. The said information and materials are strictly meant for your reference and information only, and shall not, at any time whatsoever, be assumed or deemed to be intended for any business or commercial purposes or to constitute an offer or solicitation and/or the giving of any advice in respect of investment, financial or banking services by BSN. BSN reserves the right to add, amend or remove any or all of the provisions herein or any or all of the materials and information at any time at its absolute discretion.

BSN does not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, accuracy, currentness, satisfactory quality, reliability, fitness for a particular purpose in respect of the website, the material, information and/or functions therein and expressly disclaims liability for errors and omissions in such materials, information and/or functions. Without derogation of the above and/or the terms and conditions of the applicable agreements governing all products and services of BSN, reasonable measures will be taken by BSN to ensure the accuracy and validity of all information relating to transactions and products of BSN.

Further, BSN does not warrant or represent that access to the whole or part(s) of this website, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that any identified defect will be corrected, or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.

You are solely responsible to evaluate the quality, adequacy, completeness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the website; seek further professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information. You are responsible for making your own assessment when accessing and using this website, the services herein and the Content and you agree that your access and use thereof shall be at all times at your sole risk.

Disclosure Of Information

You hereby expressly grant BSN, an authorisation and permission to divulge, reveal and/or otherwise disclose any and all particulars and information relating to you or your account or any transactions or dealings between you and BSN:


To provide services relating to your accounts or to offer other facilities, products and services unless you duly inform us otherwise;


To any of BSN's subsidiaries, affiliates, business partners and/or any other persons to the extent necessary to complete, verify or restrict a transaction or instruction;


To comply with laws, regulations, government agencies and authorities in Malaysia and elsewhere including court orders and requests;


To verify the existence and condition of your accounts for a third party such as a credit bureau or merchant;


Where you request or authorise BSN to do so, whether in writing or otherwise;


To protect and defend BSN and its property.

You hereby authorise BSN to procure any information from any person, organisation, authority, company, corporate or any other entity as BSN may in good faith deem fit in connection with your account(s) or the banking services and authorises the disclosure by such person of any information required by BSN.



Access to this website is currently provided free of charge. However, you agree and acknowledge that we reserve the sole right and discretion to levy a charge for the same or any service(s) which may be provided or any portion thereof at any time in the future, subject always to our giving you twenty one (21) days prior notice of the same.

Further thereto and notwithstanding the same, you also agree and acknowledge that there may be certain services provided herein, whether existing at present or made available in the future, which require you registering with us in order to access and use the same. In such instances, you agree and acknowledge that we reserve the sole right and discretion to levy a charge for your said registration and/or access to and use of the said services or any portion thereof. For these purposes, you shall be duly notified of the relevant charges, if any, upon registration and your completion of the registration process, access to or use of the said services thereto shall constitute your agreement and binding acceptance of the same.


Copyright of the Materials on this Website is owned or licensed by BSN.

Except where necessary for viewing the Materials on this website on your browser, no Materials on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of BSN.

You also may not, without BSN's express prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other server.

Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. BSN disclaims all liability which may arise from any unauthorised reproduction or use of the contents of this website.


BSN and/or their respective third party proprietors as identified in the website own all trademarks, service marks, and logos displayed on this website. These may not be used without the written permission of BSN.

Unless the prior written consent of BSN or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. No part of these materials may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for commercial or public purposes without BSN's prior written consent.

Links To Other Websites

BSN Happy Rewards may contain links to other websites operated by third parties ("Third Party Websites"). BSN does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Websites ("Third Party Material").

Subject to any applicable law which cannot be excluded, BSN makes no warranties or representations:


Regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or that Third Party Material does not infringe the intellectual property rights of any person. BSN does not authorise the reproduction of Third Party Material by linking Material on this website to Third Party Material.


When you follow a link on BSN Happy Rewards, material at a Third Party Website may be displayed in your browser framed by Material on this website. This material is also Third Party Material for the purpose of these Terms & Conditions.


All offers to sell and statements relating to good and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. In so far as such offers and statements are made on BSN Happy Rewards, such offers and statements are made by BSN on behalf of the operator. BSN expressly disclaims acting in any other respect on behalf of Third Party Website operators.

BSN may receive payments from operators of Third Party Websites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Website from BSN Happy Rewards.

Linking To BSN Happy Rewards

Please contact the address below, if you would like to place a link to any part of BSN Happy Rewards website.

Customer Service Centre (24 hours)

Tel: 1300 88 1900 or +603-2613 1900 (Overseas)

Fax: 03-2613 1888 (General)

Email: customercare@bsn.com.my

Exclusions Of Liability

Except as otherwise expressly stated in these Terms and Conditions of Access and to the extent permitted under laws and regulations (which includes any guidelines, circulars or rules issued by relevant governing bodies), BSN shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, , or any loss of profits, loss of business, loss of use, loss of goodwill, loss of savings, loss of opportunity, business interruption or other direct or indirect, special, incidental, consequential or punitive damages  arising in connection with your access or use or the inability to access or use this website (or any third party link to or from BSN's website), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

While BSN has taken all reasonable steps to ensure the accuracy and completeness of the content of the website, BSN exclude any warranties, undertakings or representations to the full extent permitted under applicable law, that the website or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the contents are appropriate. This exclusion clause shall take effect to the fullest extent permitted by law.



You hereby irrevocably agree to be liable fr and to indemnify and keep indemnified, defend and save BSN harmless against all liabilities, claims, damages, losses, expenses and costs including any legal costs and disbursements) that may be suffered or incurred by BSN, whether directly or indirectly, in connection with or arising from:-

(1) your use or misuse of this Website and the information, products and services provided herein;

(2) your breach of these Terms and Conditions of Access howsoever occasioned;

(3) any intellectual property right or proprietary right infringement claim made by a third party against BSN in connection with your use of the Website; or

(4) your fraudulent acts.


Termination Of Services

These Terms and Conditions of Access (and the agreement constituted by your use of the information, graphics and materials on BSN Happy Rewards website) and your access to BSN Happy Rewards may be terminated at any time by BSN without notice. BSN reserve the right to terminate and/or suspend your access to this website and/or use of this online services at any time without notice and without assigning any reason whatsoever and without any liability whatsoever to you or any other third party for doing so.

Notwithstanding the above, BSN may terminate, suspend or restrict you access to BSN Happy Rewards immediately if:


You have provided BSN with false or incomplete information for your access to or use of BSN Happy Rewards;


You breach any term, condition or provision of this Agreement or laid down by any legal, regulatory or authority or body relevant hereto;


You fail to pay any fees or charges when due;


You cease to maintain any account(s) with BSN which can be accessed via BSN Happy Rewards;


In BSN's opinion, it is in the public interest to do so.

All consent, indemnity and licenses granted by you and all disclaimers and limitations of liability by BSN will survive termination, however, you will no longer be authorised to access this website.


The failure of BSN to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.

If any part of these Terms and Conditions of Access are found to be illegal or unenforceable, they shall be ineffective only as to the illegal or prohibited parts of such Terms and Conditions of Access. The remaining provisions shall not be affected. BSN reserve the right to amend this website, the services herein and the contents or any portion at any time. Any rights not expressly granted herein are reserved.

The information and materials contained in or accessed through this website shall not be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

Law And Jurisdiction

These Terms and Conditions of Access are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the information, products and/or services provided herein by BSN, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this website.

Nothing herein shall be construed as a representation by BSN that the materials, information, functions and/or services contained in or accessed through this website are appropriate or available for use in jurisdictions other than Malaysia.

By accessing this website you are deemed to have agreed to the terms and conditions set out above.

Thank you for choosing BSN Happy Rewards.