Version: 1.0 Published: 11 September 2026 Company: QIUBBX Technologies (M) Sdn. Bhd. · Malaysia Document: EARN-TNC-001
1. Definitions
For these Terms:
“Account” means a registered QIUBBX user account participating in the EARN Programme.
“Affiliate” means an individual, business, publisher, creator, partner or other approved participant accepted by QIUBBX for the Affiliate Programme.
“Available EARN” means an EARN amount that has satisfied all applicable earning conditions and is recorded as available for an eligible purpose under the Programme.
“Completed Order” means an order that has reached the completion status designated by QIUBBX for the applicable transaction.
“EARN Cashback” means cashback provided by QIUBBX under the EARN Programme.
“EARN Ledger” means QIUBBX's system of record for Programme earning events and their lifecycle.
“Pending” means an EARN amount recorded provisionally and not yet available for withdrawal or other eligible use.
“Referral” means a valid one-level referral attribution recognised by QIUBBX.
“Programme” means the QIUBBX EARN Programme and its cashback, referral, affiliate and other components made available by QIUBBX.
“Qualified Transaction” means a transaction satisfying all applicable Programme requirements and not subsequently cancelled, refunded, reversed, fraudulent, duplicated or otherwise disqualified.
“Reversed” means an EARN amount that has been invalidated following cancellation, refund, fraud, error or another applicable reversal event.
“QIUBBX” means QIUBBX Technologies (M) Sdn. Bhd.
2. Acceptance
2.1 Participation in the EARN Programme is subject to these Programme Terms and any specific Programme rules, disclosures or conditions applicable to a particular EARN benefit.
2.2 By participating in a Programme component, a participant agrees to comply with the applicable Programme rules.
2.3 These Terms should be read together with the applicable QIUBBX Terms of Use, Privacy Notice and other applicable platform terms.
2.4 Where a specific Programme rule applies to a particular benefit, that specific rule governs that benefit to the extent permitted by applicable law.
3. Eligibility
3.1 QIUBBX may determine eligibility requirements for participation in the Programme.
3.2 Eligibility may include requirements relating to:
Account status;
geographic availability;
transaction type;
product or category;
minimum or maximum transaction value;
Programme period;
verification requirements; and
compliance with applicable Programme rules.
3.3 QIUBBX may refuse, suspend or restrict Programme participation where the applicable requirements are not satisfied.
3.4 Participants must provide accurate information and must not create or operate accounts for the purpose of manipulating Programme benefits.
4. Nature of EARN
4.1 EARN is a promotional and commercial rewards programme operated by QIUBBX.
4.2 EARN does not constitute:
a bank account;
a deposit account;
an investment account;
a security;
electronic money;
a stored-value facility;
employment;
a partnership; or
an agency relationship,
unless otherwise expressly determined under applicable law.
4.3 EARN amounts are Programme benefits recorded through the EARN Ledger and remain subject to the applicable Programme conditions.
4.4 An amount being displayed in a participant's account does not by itself mean that the amount is immediately withdrawable.
5. Platform cashback
5.1 QIUBBX may provide cashback funded from a designated QIUBBX platform budget.
5.2 The designated funding source for platform cashback is PLATFORM_CASHBACK_BUDGET.
5.3 Platform cashback is not automatically funded from:
a seller's Route payout;
Smart Rewards Pool B;
seller-funded promotions; or
another participant's EARN allocation,
unless expressly disclosed under a separate Programme rule.
5.4 The applicable cashback rate will be determined by QIUBBX and may be expressed as a percentage, basis points or another disclosed calculation method.
5.5 A configured rate of zero means no cashback is earned under that rate.
6. Cashback earning lifecycle
6.1 A qualifying cashback event may initially be recorded as Pending following payment capture.
6.2 Payment capture alone does not make cashback Available.
6.3 Subject to all applicable conditions, Pending cashback may become Available after the underlying order reaches the required Completed Order/delivery status.
6.4 The same underlying EARN earning record may transition through its applicable lifecycle rather than creating a second earning for the same event.
6.5 Where an order is cancelled, refunded or otherwise becomes ineligible, the associated EARN amount may be Reversed.
6.6 QIUBBX may withhold, correct or reverse an amount resulting from:
duplicate processing;
system error;
fraud;
abuse;
manipulation;
cancellation;
refund; or
another disqualifying event.
7. Referral Programme
7.1 QIUBBX may operate a one-level Referral Programme.
7.2 Referral benefits are limited to the direct referral relationship recognised by QIUBBX.
7.3 No multi-level recruitment or cascading referral entitlement is created by these Terms.
7.4 A referral must be attributed through an approved QIUBBX mechanism.
7.5 A referral attribution by itself does not guarantee a reward.
7.6 The underlying transaction must satisfy the applicable Qualified Transaction requirements.
7.7 The following are prohibited:
self-referral;
circular referral;
fabricated transactions;
account farming;
duplicate referral claims;
collusion; and
manipulation of attribution mechanisms.
7.8 QIUBBX may reject or reverse a Referral allocation associated with a transaction that is cancelled, refunded, fraudulent, duplicated or otherwise disqualified.
8. Affiliate Programme
8.1 QIUBBX may operate an Affiliate Programme.
8.2 Participation as an Affiliate is subject to acceptance and any additional Affiliate rules established by QIUBBX.
8.3 Affiliate attribution must be established through an approved QIUBBX mechanism.
8.4 An Affiliate allocation is earned only when the applicable transaction and attribution requirements have been satisfied.
8.5 Affiliate allocations may be withheld or reversed where the underlying transaction is:
cancelled;
refunded;
fraudulent;
duplicated;
manipulated; or
otherwise disqualified.
8.6 Unless expressly agreed under a separate commercial arrangement, an Affiliate allocation will not be deducted from a seller's Route payout.
9. Referral + Affiliate growth allocation
9.1 QIUBBX may designate up to ten percent (10%) of the applicable Programme economic allocation for Referral and Affiliate purposes.
9.2 The combined Referral and Affiliate allocation for the applicable transaction or economic base shall not exceed 10%.
9.3 The 10% is a maximum combined allocation, not an automatic 10% entitlement to any participant.
9.4 QIUBBX may configure the applicable Referral and Affiliate rates within that maximum.
9.5 For example, the allocation may operate as:
Referral: Affiliate — Retained by QIUBBX
0%: 0% — 10%
5%: 0% — 5%
0%: 5% — 5%
5%: 5% — 0%
9.6 The actual rates applicable to a Programme, campaign or transaction shall be determined by the applicable Programme rules.
9.7 Unused allocation is retained by QIUBBX.
9.8 Unused allocation does not automatically become:
EARN Cashback;
Smart Rewards Pool B;
seller payout;
Referral reward;
Affiliate reward; or
another participant benefit.
9.9 QIUBBX may establish different rates for different campaigns, channels, transaction classes or periods, subject to applicable law and applicable disclosure requirements.
10. Attribution
10.1 QIUBBX may establish deterministic attribution rules for Referral and Affiliate activity.
10.2 Where more than one attribution identifier is present, QIUBBX may apply the applicable attribution priority rules.
10.3 A participant is not automatically entitled to multiple Referral or Affiliate allocations for the same economic event.
10.4 QIUBBX's attribution records and EARN Ledger shall be used to administer Programme allocations, subject to correction of verified system errors.
10.5 Attribution must relate to genuine commercial activity.
11. No double earning
11.1 QIUBBX may prevent multiple EARN allocations arising from the same qualifying economic event where the Programme rules do not expressly permit multiple allocations.
11.2 Duplicate earning events may be rejected or reversed.
11.3 Technical duplication does not create an entitlement to duplicate Programme benefits.
12. Cancellation, refund and reversal
12.1 A Programme benefit associated with a cancelled or refunded transaction may be reversed.
12.2 A reversal may apply whether the original EARN amount was Pending or Available.
12.3 Where a Programme amount has already been paid out, QIUBBX may use lawful recovery or adjustment mechanisms, subject to applicable law.
12.4 QIUBBX may correct duplicate or erroneous credits.
12.5 Participants agree not to treat an erroneous or fraudulent credit as a legitimate Programme entitlement.
13. Fraud and abuse
13.1 Participants must not manipulate the Programme to obtain benefits improperly.
13.2 Prohibited conduct includes:
self-referral;
fake transactions;
account farming;
duplicate claims;
transaction manipulation;
collusion;
automated abuse;
falsified information;
exploitation of technical defects;
circumvention of Programme limits; and
other conduct reasonably determined by QIUBBX to constitute Programme abuse.
13.3 Where QIUBBX reasonably suspects abuse, it may:
hold Pending amounts;
reject an earning;
reverse an earning;
suspend Programme participation;
restrict an Account; or
take other lawful protective measures.
13.4 Any such action remains subject to applicable law and applicable platform terms.
14. Availability of earnings
14.1 Pending EARN is not Available EARN.
14.2 EARN becomes Available only after the applicable earning conditions have been satisfied.
14.3 The applicable conditions may include:
completed delivery;
completed order;
fraud checks;
refund window;
cancellation status; and
other Programme conditions.
14.4 QIUBBX may establish different availability conditions for different Programme components.
15. Cash-out
15.1 Availability of an EARN amount does not automatically mean that cash-out is enabled.
15.2 Cash-out may be offered only when expressly activated by QIUBBX.
15.3 Where cash-out is enabled, participants may be required to satisfy:
minimum withdrawal thresholds;
Account eligibility;
identity or account verification;
valid linked payment-account requirements;
payment-provider requirements;
transaction limits; and
other applicable conditions.
15.4 QIUBBX may use a designated payment provider to process eligible transfers.
15.5 Failed or rejected transfers may be subject to additional processing or verification requirements.
15.6 Nothing in this section creates a representation that cash-out is available at all times.
16. Taxes
16.1 Participants are responsible for determining and complying with any tax obligations applicable to benefits received through the Programme.
16.2 QIUBBX may maintain records and make disclosures where required by applicable law.
16.3 Where withholding, reporting or other statutory obligations apply, QIUBBX may take the steps required by law.
17. Personal data
17.1 QIUBBX may process information necessary to administer the Programme.
17.2 Such information may include:
Account information;
transaction information;
attribution information;
Programme activity;
fraud-prevention information;
withdrawal information; and
customer-support information.
17.3 Processing shall be subject to QIUBBX's applicable Privacy Notice and applicable Malaysian data-protection requirements.
17.4 QIUBBX may use relevant service providers for payment processing, fraud prevention, Programme administration, analytics, customer support and related operational purposes, subject to applicable requirements.
18. Records and audit
18.1 QIUBBX may maintain Programme records for:
accounting;
reconciliation;
audit;
fraud prevention;
dispute resolution;
customer support;
legal compliance; and
Programme administration.
18.2 The EARN Ledger is intended to provide the authoritative system record of EARN earning events and lifecycle states, subject to correction of verified system errors.
18.3 Programme participants may be required to provide reasonable information to investigate a disputed transaction.
19. Programme changes
19.1 QIUBBX may modify:
Programme rates;
eligibility;
transaction limits;
attribution rules;
Programme components;
qualifying conditions;
campaigns; and
Programme periods.
19.2 QIUBBX may introduce or remove Programme components subject to applicable law.
19.3 Changes shall be communicated or made available in the manner required by applicable law and the applicable platform terms.
19.4 Changes shall not be intended to unlawfully remove rights that have already become irrevocably vested.
20. Suspension and termination
20.1 QIUBBX may suspend or terminate the Programme or any Programme component.
20.2 QIUBBX may suspend an Account's Programme participation where necessary to address:
fraud;
abuse;
security concerns;
legal requirements;
regulatory requirements; or
material breaches of Programme rules.
20.3 Where appropriate, QIUBBX may provide notice of material Programme changes or termination.
20.4 Any accrued entitlement shall be handled in accordance with applicable law and the applicable Programme rules.
21. Programme availability
21.1 QIUBBX does not guarantee that the Programme will be available continuously.
21.2 Programme availability may be affected by:
platform outages;
payment processing;
order processing;
maintenance;
security controls;
fraud controls;
third-party services; or
circumstances beyond QIUBBX's reasonable control.
21.3 QIUBBX does not guarantee that every transaction, Account, product, seller, category or order will qualify for an EARN benefit.
22. Participant responsibilities
Participants must:
maintain accurate Account information;
use the Programme lawfully;
comply with Programme rules;
maintain appropriate Account security;
not manipulate transactions;
not misuse Referral or Affiliate attribution; and
notify QIUBBX of suspected material Account or Programme issues where appropriate.
23. Complaints and disputes
23.1 Participants should first contact QIUBBX through its designated support channel.
23.2 A participant may be required to provide relevant transaction or Account information to facilitate investigation.
23.3 QIUBBX will review Programme disputes according to the applicable Programme rules and applicable law.
23.4 Nothing in these Terms is intended to exclude or limit a statutory right or remedy that cannot lawfully be excluded or limited.
24. Limitation / disclaimers
24.1 To the extent permitted by applicable law, Programme benefits are subject to the conditions stated in these Terms.
24.2 Nothing in these Terms excludes or limits liability or statutory rights that cannot lawfully be excluded or limited.
25. Governing law
25.1 These Terms are intended to be governed by the laws of Malaysia.
26. Language
26.1 The Programme Terms may be published in English and/or Bahasa Malaysia.
27. Amendment
27.1 QIUBBX may amend these Terms from time to time subject to applicable law.
27.2 Each published version should carry:
version number;
publication date;
effective date; and
applicable change notice where required.
27.3 The version applicable to a participant shall be determined in accordance with the applicable acceptance and effective-date rules.
28. General
28.1 If any provision is determined to be invalid or unenforceable, the remaining provisions shall continue to operate to the extent permitted by law.
28.2 Failure by QIUBBX to enforce a provision immediately does not constitute a waiver unless expressly stated otherwise.
28.3 These Terms do not create rights for third parties except where applicable law expressly provides otherwise.
28.4 Programme terminology may be updated for clarity without changing substantive rights, subject to applicable law.
