Terms & Conditions

Cardholder Terms of Use

Aleta Planet Account and Visa Card Terms of Use

These terms and conditions apply to your Aleta Planet Account and Visa Card (hereinafter collectively referred to as “Aleta Planet Account”, “Account”, “Card” or “Aleta Planet Card” as the context requires). You must read them carefully.

In these terms and conditions:

“You” or “Cardholder” means the named Aleta Planet Account holder and/or Cardholder and the authorised user of the Aleta Planet Account and/or Card.

“We”, “us” or “our” means Aleta Planet Pte Ltd (the “Card Issuer”).

“Website” means our website at www.aletaplanet.com.

“Program” means the Visa card issuing program under which your Card and/or Account is made available to you under this agreement.

Definitions

1.1

In these terms and conditions, unless the context otherwise requires, the following terms have the meanings set out below:

Term	Definition
Account	Any payment, e-money or stored value account established, maintained or operated by or on behalf of Aleta Planet in connection with the Program for a Cardholder.
Card	Any Visa prepaid or debit card, whether physical or virtual, issued by Aleta Planet (whether directly or through its Affiliate Partners) under the Program.
Cardholder	Any individual customer or end-user to whom a Card and/or Account is issued or otherwise made available under the Program.
PIN	The Personal Identification Number assigned to or selected by you for use with your Card.
Payment Network	Visa Inc. and its payment processing network which enables the acceptance and processing of Card payments.
Applicable Law	Any law, statute, subsidiary legislation, rule, regulation, directive, code, notice, notification, guidance or requirement issued by any governmental body, ministry, authority, supervisory or regulatory body having appropriate jurisdiction.
Affiliate Partner	Partners with which Aleta Planet has entered into legal agreements for Aleta Planet to issue Cards and/or operate Accounts outside of Singapore by relying on the regulatory licences of these partners.
Visa Rules	The by-laws, rules, regulations and/or operating procedures of Visa Inc. as may be amended from time to time.

Your Aleta Planet Account and Visa Card

2.1

You can use your Aleta Planet Account and Card at any location worldwide that displays the VISA Acceptance Mark, including shops, restaurants or on the internet. Before using your Aleta Planet Account or Card, it is your responsibility to ensure that there are sufficient funds in your Aleta Planet Account to utilise for your purchases. You will not be able to use your Aleta Planet Account or Card if it has insufficient balance for the transaction.

2.2

Your Aleta Planet Account is a prepaid account and is not in any way connected to your personal bank account. You will not earn any interest on any funds loaded on your Aleta Planet Account.

Applying for and Activating Your Aleta Planet Account and Card

3.1

To apply for our Aleta Planet Account and Card you must be at least 18 years old. We will require evidence of your identity and your address from time to time. We may ask you to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.

3.2

By using your Aleta Planet Account and/or Card you are agreeing to these terms and conditions.

3.3

Upon approval of your application, your Card will be issued to you in accordance with our internal policies, Visa Rules and Applicable Law. You may need to activate your Card before you can use it. You can do this by following the instructions provided with your Card or through our mobile application.

3.4

We reserve the right to decline any Card application if the application does not meet our due diligence or eligibility requirements.

Card Issuance and Lifecycle

4.1

Card Issuance. Upon successful application and approval, we will issue your Visa Card to you. Cards may be issued in physical or virtual form, depending on the type of Card you have applied for and the Program terms.

4.2

Card Activation. Your Card must be activated before use. You can activate your Card through our mobile application, Website or by following the instructions provided with your Card.

4.3

Card Replacement. If your Card is lost, stolen, damaged or needs to be replaced for any reason, you may request a replacement Card by contacting us at account@aletaplanet.com or through our mobile application. A replacement fee may apply as set out in the Fees and Charges Guide.

4.4

Card Renewal. On expiry of your Card, you may choose to renew your Card automatically or allow it to expire. If you do not wish to renew your Card, you may contact us to request the balance funds on your Aleta Planet Account. When we issue a renewal Card, we may charge a fee as set out in the Fees and Charges Guide.

4.5

Card Expiry. Your Card will have an expiry date printed on it (for physical Cards) or displayed in your account (for virtual Cards). You will not be able to use your Card after the expiry date unless it is renewed.

Loading Your Aleta Planet Account

5.1

For a personal account user residing in Singapore, the maximum daily amount in your Aleta Planet Account is SGD 5,000 and the maximum yearly transaction spend limit is SGD 30,000. For commercial accounts, the limits are subject to your company’s discretion.

We reserve the right to refuse any particular loading transaction if the said transaction does not meet our due diligence requirements. Upon receipt and clearance, your funds will be available for use on your Aleta Planet Account immediately.

Using Your Aleta Planet Account and Card

6.1

Detailed instructions on how to use your Aleta Planet Account and Card can be found on our Website. You will need to follow the instructions when using your Aleta Planet Account and Card. We will deduct the value of your transactions from the balance on your Aleta Planet Account as soon as they are made. We will also deduct any applicable fees as soon as they become payable by you; see our Fees section below for details of our fees. The Aleta Planet Account and Card shall remain as a property of Aleta Planet Pte. Ltd.

6.2

For fraud monitoring purposes, your account and Card usage may be queried, and we may block any further usage. In such circumstances, you can simply contact our customer support team at account@aletaplanet.com to request to have your account reinstated.

6.3

We may at any time, suspend, restrict or cancel your Aleta Planet Account or Card or refuse to issue or replace your Card to you including but not limited to the following reasons:

We have reason to be concerned about the security of your account or Card(s) we have issued to you;

ii.

We have reason to suspect your account or Card is being used in an unauthorised or fraudulent manner;

iii.

We need to do so to be compliant with relevant regulatory requirements or Visa Rules;

iv.

We reasonably believe, based on objective evidence, that specific Card or Account activity is fraudulent, unlawful, in violation of Applicable Law, or poses a risk to the integrity or security of the Cards, Payment Network or related services.

6.4

In the event that we need to suspend, restrict, or cancel the usage of your Aleta Planet Account or Card, we shall inform you as soon as possible, or when we are permitted to do so if there is any regulatory enforcement action taken against the use of your Aleta Planet Account or Card.

6.5

Like other payment cards, we cannot guarantee that every retailer will accept your Aleta Planet Card.

6.6

In the event of transactions involving different currencies and your SGD wallet does not have enough balance for the transaction, Aleta Planet shall convert the sufficient amount from your balance in your other currency wallet that has sufficient balance automatically. The exchange rate will be at the daily prevailing exchange rate determined by Aleta Planet.

6.7

We also reserve the rights to refuse or withhold the funds payable to the merchant including but not limited to the following reasons:

If we suspect that your Aleta Planet Account or Card is being used in an unauthorised or fraudulent manner;

ii.

If there are insufficient funds loaded on your Aleta Planet Account at the time of a transaction to cover the amount of the transaction and any applicable fee;

iii.

If there is an overdue outstanding amount owed to us on the Aleta Planet Account in accordance with the fee table set out in the Fees and Charges Guide;

iv.

If we have reasonable grounds to suspect that you are acting in breach of this agreement;

If we are required by regulatory authorities or under Visa Rules to do so;

vi.

If certain transactions are suspicious; or

vii.

Because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.

6.8

In the event of an unsuccessful transaction due to inaccurate information, we will inform you accordingly. Where such inaccuracy results in an unsuccessful transaction, you may amend, edit, or update any information you have provided to us by contacting us at account@aletaplanet.com.

Authorising Transactions

7.1

An Aleta Planet Account or Card transaction will be regarded as authorised by you where you perform actions such as:

Keying in your details onto a merchant’s website;

ii.

Providing your Aleta Planet Card details and/or providing any other details;

iii.

Providing the security code (CVV) of your Aleta Planet Card;

iv.

Entering your PIN;

Tapping your Card for contactless payments (where applicable);

vi.

Completing 3D Secure verification where required.

7.2

Authorisation for a transaction may not be withdrawn or revoked by you after it is received.

7.3

We will pay the funds required by the retailer or merchant to cover the transactions authorised by you within 3 working days of us receiving their request. A transaction (the payment order) will be received as follows:

For purchases at the time we receive the transaction instruction from the merchant acquirer;

ii.

For other transactions which are communicated directly to us, at the time you ask us to complete the transaction.

7.4

Any pre-authorised transaction on an account that has been replaced and has yet to be completed will automatically be cancelled. You will have to ensure that sufficient funds are available and to inform the retailer or merchant to perform the pre-authorisation transaction again on the replacement account.

7.5

Authorisation will be requested for all transactions at the time of each transaction. In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the Aleta Planet Account for that transaction (“Shortfall”), the Shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the Aleta Planet Card was presented, in which circumstance we may seek the Shortfall from the retailer/merchant.

7.6

You agree that once this Shortfall is made known to you, we may charge you for the Shortfall amount. We may deduct the amount of the shortfall from any other Aleta Planet Account(s) that you hold with us. Until we are reimbursed the Shortfall, we may suspend your Aleta Planet Account(s) and Card(s). In addition, we reserve the right to charge you an administration fee for each transaction that you make using your Aleta Planet Card that results in a Shortfall or increases the Shortfall amount on your Aleta Planet Account.

7.7

You authorise us to set off and deduct any Shortfall and any related fees from any other Aleta Planet Account(s) you hold with us, to the fullest extent permitted by Applicable Law.

Prohibited Activities

8.1

You agree not to use, or allow to be used, any Card, Account or related platform for any illegal or fraudulent transactions, including but not limited to:

Money laundering

ii.

Online casino/gambling;

iii.

Multi-level marketing schemes;

iv.

Phone fraud activities;

Any other illegal activities.

Failure to guard against such misuse may result in immediate suspension or termination of your Account and Card and the withholding of funds in accordance with this agreement.

Cancellation and Termination of Your Aleta Planet Account and Card

9.1

You may cancel your Aleta Planet Account and Card by way of the “contact us” function on the Website.

9.2

If you cancel your Aleta Planet Account and Card, any remaining funds will be returned to you after all outstanding transactions, fees, and charges have been deducted. Please refer to the “Refund Upon Termination of Your Account” and “Your Right to a Fund Return” sections below for further details. An additional (other than bank charges) manual refund processing fee of SGD 5.00 will apply to refunds processed by Aleta Planet Pte. Ltd.

9.3

On expiry of your Aleta Planet Card, you may choose to renew your Card automatically or allow it to expire. If you do not wish to renew your Card, you may contact us to request the balance funds on your Aleta Planet Account.

9.4

When we issue a renewal Aleta Planet Card we may charge a fee. Please see the Fees and Charges Guide.

9.5

We may terminate your account and Card for reasons such as but not limited to the following:

If this agreement or your account expires on a set date and we have not agreed on renewal;

ii.

If there is any breach of the terms and conditions of this agreement, or if you repeatedly breach the agreement and fail to resolve the matter in a timely manner;Online casino/gambling;

iii.

If you act in a manner that is threatening or abusive to our staff or any of our representatives;

iv.

If you fail to pay the fees or charges you have incurred, or fail to put right any shortfall;

In the event of your demise.

9.5

We may also cancel or suspend your account and Card immediately if we suspect that your Aleta Planet Account or Card is deliberately being used to commit fraud or for other illegal purposes. In the event where we cancel or suspend your account, we will inform you as soon as practicable. The balance in your Aleta Planet Account may then be withheld until any investigation is concluded.

9.6

If your Aleta Planet Account and Card are cancelled, we will immediately block your Account and Card for security reasons. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending, or any fees for use of the Aleta Planet Account and Card before your Account and Card are cancelled or expired.

10.

Keeping Your Aleta Planet Account and Card Secure

10.1

You should keep your Aleta Planet Account and Card secure and not let anyone else use it. You must keep your PIN secret and not disclose it to anyone. Do not write your PIN on your Card or keep it with your Card.

If the details are lost or stolen or used in an unauthorised manner, you may lose some or all of your money on your Aleta Planet Account. If you suspect that someone else knows the details of your Aleta Planet Account or Card, or knows your PIN, you should request for a replacement account or Card immediately via the mobile application or our secured website.

11.

Lost, Stolen, or Unauthorized Use of Your Account or Card

11.1

You must inform us immediately by freezing your account online via our website or App, if you know or suspect that your Aleta Planet Account or Card details are exposed to an unauthorised person or if you think a transaction has been improperly executed.

11.2

If the account number, Card number, PIN or mobile application is used by an unauthorised person, lost or stolen, your liability is limited to SGD 100 only if:

You have immediately notified us of the loss, theft or unauthorised disclosure;

ii.

You assist us in the recovery of the unauthorised charges incurred;

iii.

You furnish us with a police report accompanied by written confirmation of the loss, theft or unauthorised disclosure and any other information that we may require; and

iv.

We are satisfied that such loss, theft or unauthorised disclosure is not due to your negligence or error.

11.3

You shall not be liable for any transactions carried out after we have been notified of the loss, theft or disclosure.

12.

Our Liability

12.1

We will not be liable for any loss arising from:

Any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite our efforts to the contrary;

ii.

A retailer refusing to accept your Aleta Planet Card;

iii.

Our compliance with legal and regulatory requirements or Visa Rules;

iv.

Loss or corruption of data unless caused by our wilful default.

We are also not liable for:

Business interruption, loss of revenue, goodwill, opportunity or anticipated savings;

ii.

Any indirect or consequential loss.

13.

Disputes and Chargebacks

13.1

Disputes with Retailers. If you have any dispute about goods or services paid using your Aleta Planet Card, you should resolve such dispute with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with your Aleta Planet Card. Once you have used your Aleta Planet Card to make a purchase, we cannot stop that transaction.

13.2

Chargebacks. In certain circumstances, you may be entitled to request a chargeback for a transaction made using your Card. Chargeback requests must be made in accordance with the Visa Rules and within the timeframes specified by Visa. We will process chargeback requests in accordance with the applicable Visa Rules and internal procedures.

13.3

Cooperation. You agree to cooperate in the resolution of any disputes, chargebacks or refunds where required and respond within seven (7) business days to any dispute forwarded to you by us.

14.

Refund Upon Termination of Account

14.1

We may change these terms at any time by notifying you by e-mail or other agreed means at least fourteen (14) calendar days before the change is due to take effect. The up-to-date version of the Aleta Planet Account and Card terms and conditions will always be available on our website.

14.2

The change will automatically take effect and you will be taken to have accepted the notified change unless you inform us in writing that you do not agree to the change. In that event, we will treat that notice as notification that you wish immediately to terminate your Aleta Planet Account and Card. In such circumstances we will refund any balance on the account in accordance with the Fees and Charges Guide and you will not be charged a Refund Fee.

14.3

When submitting your refund request, you must ensure that the information you provide is accurate and complete. We will not be responsible for money sent to the wrong recipient as a result of inaccurate information provided by you. If you have provided inaccurate information to us, you may request our assistance in recovering the money sent to the wrong recipient, but we cannot guarantee that such efforts will be successful.

15.

Your Right to a Fund Return

15.1

You may request for funds in your account to be returned to you subject to certain fees that are chargeable to your account. Please refer to “The Fees” section for details.

15.2

For all transactions made in a foreign currency you may view the applicable exchange rate at the time of the transaction on the Visa website.

16.

The Fees

16.1

All Fees and charges are inclusive of GST and set out in the Fees and Charges Guide, which is available on our Website, and may be varied from time to time.

16.2

For all transactions made in a foreign currency you may view the applicable exchange rate at the time of the transaction on the Visa website.

16.3

We may vary the rate or amount of any charge, fee or interest payable under this agreement. Should you continue to keep or use the Aleta Planet Account and Card, you shall be considered to have accepted the changes.

17.

Your Details

17.1

You must inform us immediately if you change name, address, phone number or e-mail address. If we contact you in relation to your Aleta Planet Account or Card, for example, to notify you that we have cancelled your Card or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any email to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have failed to update us.

18.

Data Protection

18.1

In applying for the Aleta Planet Account and Card and using it, you agree that we can use your personal information in accordance with our privacy policy. You further agree that we may use your personal information for customer due diligence purposes for services provided by Aleta Planet Pte Ltd, in the event that you sign up for such services.

18.2

You understand and agree that we may collect information about how you interact with our services, and utilise such information with our partners, to develop and enhance our services. We collect transaction details related to your use of our services, including the type of service requested, date and time the service was provided, amount charged and other related transaction details. We may collect information about your mobile device, including for example, the hardware model, operating system and version, software and file names and versions, preferred language, unique device identifier, advertising identifiers, serial number, device motion information and mobile network information.

19.

Card Scheme Compliance

19.1

You acknowledge and agree that all Cards under the Program are issued and operated in accordance with the Visa Rules and Applicable Law. To the extent any provision of this agreement conflicts with Visa Rules, such provision shall be interpreted and, where necessary, modified to the minimum extent required to comply with those rules.

19.2

All Visa logos and marks are trademarks of Visa Inc. These marks may not be copied, imitated or used, in whole or in part, without the prior written permission of Visa Inc.

20.

Communication

20.1

If you have an enquiry relating to your Aleta Planet Account or Card or if your Card is lost or stolen, you may use the “Contact Us” facility on the website or email us at account@aletaplanet.com.

21.

Disclosures

21.1

Notice for non-Singapore residents: Aleta Planet Accounts and Cards provide e-money issuance, which is one of the payment services regulated by the Monetary Authority of Singapore (“MAS”). Aleta Planet Accounts and Cards comply with the relevant laws and regulatory requirements in Singapore. Please note that e-money products are not covered by deposit insurance schemes. However, in accordance with MAS requirements, customer funds are safeguarded in a segregated trust account with a licensed bank and are protected against claims by Aleta Planet’s creditors in the event of insolvency. Where you are accessing or using the Aleta Planet Accounts and Cards outside Singapore, you are responsible for ensuring that such access or use is lawful in the country or territory where you are located, and we make no representation that such use complies with the laws of any jurisdiction other than Singapore.

22.

Assignment

22.1

You may not transfer any rights or obligations you may have under this agreement unless Aleta Planet Pte. Ltd. has provided written consent on the assignment.

22.2

Aleta Planet Pte. Ltd. reserves the rights to transfer any right or obligation under this agreement subject to the approval by MAS and twenty-one (21) calendar days prior notice to you.

23.

Governing Law

23.1

This agreement is concluded in English. All communications with you will be in English. These terms and conditions will be construed in accordance with Singapore law and the courts of Singapore shall have exclusive jurisdiction to settle any dispute arising out of or in connection with this agreement.

24.

Fund Protection

24.1

As a responsible e-money issuer and account issuance provider, Aleta Planet Pte. Ltd. ensures that once we have received your funds, they are deposited in a secure account with a deposit bank, specifically for the purpose of redeeming transactions made by your Aleta Planet Account. In the event that Aleta Planet Pte. Ltd. becomes insolvent, funds that you have loaded which have arrived with and been deposited by Aleta Planet Pte. Ltd. are protected against the claims made by our creditors.

25.

Hierarchy of Documents

25.1

These Cardholder Terms of Use form part of, and are incorporated by reference into, the agreement between you and Aleta Planet Pte. Ltd. governing your Aleta Planet Account and Visa Card (the ‘Agreement’).

25.2

In the event of any conflict or inconsistency between these Cardholder Terms of Use and any other provision of this Agreement, the other provisions of this Agreement shall prevail to the extent of the inconsistency, except where such prevailing terms would be less favourable to you as the Cardholder in respect of your consumer protection rights under Applicable Law.

25.3

Aleta Planet (and, where relevant, its Affiliate Partners) is the sole contracting party with you as the Cardholder in respect of the Card and Account.

26.

Aleta Planet Account and Card Issuer

26.1

Your Aleta Planet Account and Visa Card is issued by Aleta Planet Pte. Ltd. (and/or its Affiliate Partners where applicable), located at 350 Orchard Rd, #18-08 Shaw House, Singapore 238868, for the purpose of e-money issuance, account issuance and cross border money transfer. Your Aleta Planet Account and Visa Card is the property of Aleta Planet Pte. Ltd. and is not transferable to anyone else.

27.

If you have any questions about these terms and conditions or your Aleta Planet Account and Visa Card, please contact us at:
Email: account@aletaplanet.com
Website: www.aletaplanet.com

Last updated 22 Feb 2026

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