Terms and Conditions & Key Policies

We maintain complete transparency and would like you to take an informed decision at each step of your journey with us. Please refer to the below documents for our policies and terms & conditions.

Countries

Policies
Australia

Terms and Conditions Privacy Notice Cookie Policy Financial Services Guide Product Disclosure Statement
Canada

Terms and Conditions
Europe

Terms and Conditions Privacy Notice Complaints Procedure Cookie Policy Consumer Rights when Making Payments in Europe
Hong Kong

Terms and Conditions Privacy Notice
India

Terms and Conditions Privacy Notice
Malaysia

Terms and Conditions Privacy Notice MAMSB Membership Help Us Serve You Better Notis Kepada Pelanggan / Notice to Customer
Singapore

Terms and Conditions Privacy Notice
United States

Customer Agreement Privacy Notice
Global

InstaReM InstaPoints Policy InstaReM Biometric Authentication Policy InstaReM Referral Policy InstaReM Terms of Use

NIUM, Inc. (formerly known as InstaReM USA Corporation), operates in the United States under a program sponsored by Community Federal Savings Bank, to which NIUM is a service provider (NMLS ID No. 1528562).

NIUM Pte. Ltd. (formerly known as InstaReM Pte. Limited) is the holding company of NIUM and InstaReM subsidiaries globally.

We top up your account with 75 InstaPoints as soon as you Sign Up.

InstaPoints are loyalty points that you can redeem against your transactions to give you a discount.

More The InstaPoints, More The Discount.

Close

Lets Talk