The rules of the segment

i-Saves is offered to serving government staff and enrolled students at public universities, polytechnics and community colleges during private beta, and to approved merchants and commerce platforms. Eligibility is verified once against an authoritative source and re-checked periodically. A benefit belongs to the verified person and is personal and non-transferable.

Your Saves Pass represents a verified status, not a promise of permanent eligibility. It expires when your employment or enrolment ends. Sharing a rotating payment QR, reselling a segment benefit, or attempting to obtain a status you do not hold may lead to suspension of the credential and any discounts obtained through misuse.

Segment pricing and flash windows are set by participating merchants within their own budgets, caps and availability. i-Saves resolves the applicable deal at the till; it does not guarantee that any offer exists at any merchant at any time. Discounts stack only where the merchant's rules say they do, and every applied discount is itemised to you before you pay.

iWallet is a prepaid wallet operating over national payment rails. Loading, holding and spending balances are subject to applicable limits, fees and law; transaction records are kept for settlement, security and legal purposes. i-Saves does not provide credit, investment or insurance products unless a separately licensed partner does so under its own terms.

Merchants fund discounts for segments they choose, are billed on completed conversions against the caps they set, and must honour displayed terms at the till. Aggregate Exchange subscribers may use published cohort aggregates only in aggregate form; attempting to re-identify any individual from them is a breach, and the data is designed so that doing so is not practically possible.

During private beta, features, merchants and partner institutions may change, and some may be available only to selected cohorts. Screens shown on this site are design references, not representations of a final shipped product. Availability is at our discretion and may expand as pilots grow.

To the extent permitted by law, i-Saves and Antrex are not liable for indirect losses arising from merchant offers or wallet transactions beyond the amounts involved in the specific transaction. These terms are governed by the laws of Malaysia. Questions: i-saves@antrex.app.