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*Existing Policies**Updated Policies

Global

Instarem Instapoints Terms And Conditions

Global Instarem Mobile App Terms & Conditions

Global Referral Programme

Vulnerability Disclosure Policy 

Terms & Conditions

Privacy Policy

(Instarem is a brand operated by Nium Pte. Ltd. and its subsidiaries globally. Instarem users are subject to the Nium Global Privacy Policy.)

United States

Customer Agreement

Privacy Notice

Business (SME) Terms & Conditions 

Customer Agreement

U.S. Consumer Privacy Notice

CFSB GLBA Notice

**Updated Policies apply to users who sign up with Instarem on or after April 23, 2024.