Jingle Pay Terms and Conditions

1. Introduction

Welcome to Jingle Pay’s terms and conditions for use (“Terms”). These Terms set forth the terms and conditions governing the use of Jingle Pay Products including those offered via Mobile Application (“App”), through Partners and the service provided thereof (collectively, the “Services”). Some services may be not available in all countries and will be marked accordingly for your easy reference. Please read through our, privacy policy and terms and conditions prior to using Jingle Pay Services offered via Mobile Application. By accessing this Mobile Application and/or initiating a transaction service you agree to be bound by these Terms. If you do not agree to be bound by the Terms, please do not use Jingle Pay Mobile Application. The Mobile Application is owned and managed by Jingle Pay Limited. You will also be subject to such other guidelines, notices, and terms at the time that you initiate a transaction using the Mobile Application (“Additional Terms”). If these Terms are inconsistent with the Additional Terms, those Terms will take precedence.

 

2. Definitions and Interpretations

In these Terms and Conditions, the following terms shall have the following meanings:

“Additional Terms”	means the specific terms and conditions which apply to a particular Product, Service, or Instrument as described herein.
“AED”	means United Arab Emirates Dirham.
“Available Funds”	means the balance in the wallet that is available for utilization or withdrawal, as reduced by any transaction amounts which have been reserved, blocked, are pending or have otherwise not been processed or released.
“Wallet”	is also known as a digital wallet (or electronic wallet) and is a financial transaction application that runs on mobile devices. It securely stores your payment information and passwords. The Jingle Pay application allows you to pay when you’re shopping using your device so that you don’t need to carry your cards around. You enter and store your debit card, or bank account information and can then use your device to pay for purchases.
“Account”	means the Jingle Pay unique account, including a wallet and/or card which has been created for you to hold your funds, make payments, and transfer funds into and from the Wallet.
“Base Currency”	means the currency in which the Card is issued and billed, and any Transaction performed by you in a currency not available on the Card will be converted into the Base Currency.
“Card”	means the prepaid card issued by Jingle Pay to you whether with or without your name being printed or embossed on the physical Card and which may also be in the form of a virtual card. We may offer different types of prepaid Cards which may be subject to Additional Terms and Conditions.
“Card Number”	means the unique sixteen-digit number printed or embossed on the face or reverse of the Card or which in the case of a virtual Card is provided to you.
“Card Services”	means any services provided by us, our third-party service providers, or the Programme Manager and Bin Sponsor, in connection with the Card, including Call Centre services.
“Charges”         “Company”	means amounts (including any fees or charges) payable by you arising from the usage of the services under these Terms and Conditions and includes, without limitation all transactions fees, service charges, applicable taxes (VAT), additional expenses, damages, legal costs, and disbursements as set out in Schedule of Charges Jingle Pay Limited
“E-commerce website”	means internet websites where merchant accepts the Card for the purchase of goods and services
“Identification Checks”	means checks carried out in order to obtain, verify, and record information that identifies each person who registers with Jingle Pay and uses its Services. We may ask you for your name, address, date of birth and other information, directly or indirectly that will allow us to reasonably identify you. We will ask to see your Emirates ID and/or other identifying documents where required to be uploaded in the form of a file or picture. The activation of the service is subject to successful verification of your identity by us.
“Limit”	means the limit set by us for the usage of the services associated with the Wallet for topping up the wallet, withdrawals, purchase of goods and services, funds transfer and foreign exchange subject to the Available Funds. We may change the set limit at any time at our sole discretion.
“Load”	means to add money to the Wallet, and ‘Loaded’ and ‘Loading’ will be construed accordingly.
“Merchant”	means any establishment, corporate entity, person or other virtual establishments, supplying goods and/or services, which accept/honor the Card as a mode of payment.
“PIN”   “Passcode”	means a unique Personal Identification Number allocated to each Card and set by you. means a unique Personal Identification Number allocated to your wallet. This is the passcode to enter your account in the Jingle Pay mobile application and registered by you during the initial registration or altered at a later stage by you from the mobile application settings.
“POS Terminal”	means an electronic terminal available at Merchants whether local or international, capable of processing Transactions.
“Programme Manager”	means the party appointed by us to provide Sponsorship and Card Services, support to Service Locations and such other services as determined by us.
“Replacement Card”	means a substitute Card which may be issued to you in the event of loss or theft of your Card.
“Services”	means the services provided by Jingle Pay and where Jingle Pay acts solely as an intermediary by providing an online platform and application to enable subscribers and registered users of the Website/Mobile Application
“Shortfall”	occurs in certain circumstances when the Available Funds and/or in the case of multi-currency Card a particular currency drops below zero (0).
“Supplementary Technology”	means any technologies or devices that we may introduce for use together with, or as a replacement for, your Card and Wallet.
“Transaction”	means transactions made by using the Wallet or the Card, whether with or without the use of the Card Number, PIN or signature and regardless of whether any slip or other voucher was signed by you and includes any cash withdrawal made available by us or the amount charged (or otherwise debited to the Card) by us or a Merchant for any goods, service or benefit (whether or not such service was utilized by you) obtained by the use of the Card, the Card Number or the PIN or in any other manner, including mail, telephone, facsimile or internet orders.
“UAE”	means the United Arab Emirates.
“We”, “us”, “our”	Jingle Pay Limited, any of its branches, subsidiaries or its successors, assigns, the Programme Manager or agents (where the context permits).
“Working Day”	means any day of the week, excluding Saturday, Sunday and statutory holidays in UAE.
“You”, “your”	means the Jingle Pay Customer

3. Use of Jingle Pay Mobile Application

1. you are provided with access to this Mobile Application in accordance with these Terms and any orders placed by you must be placed strictly in accordance with these Terms. Our Mobile Application is intended for use by people resident in the UAE.
2. By registering as a user of our Mobile Application, you warrant that:
   1. you are sharing your personal information with the company for the purpose of establishing a wallet account and availing of services offered by the company that are listed below at point No. c. The personal information you will provide include
      • Full Name
      • Date of Birth
      • ID Number
      • Nationality
      • ID Expiry Date
      • Address
      • Occupation
      • Name of Employer
      • Source of Funds
      • Purpose of Establishing Relationship
      • Average Monthly Inflow
      • Average Monthly Outflow
      • Max amount of funds transfer per transaction
      • Max amount of funds received per transaction
      • Average amount of card payments per month
      • Max amount of card payment per transaction
   2. The personal information collected by the company at the time of onboarding may also be used to process any financial transaction for which you placed an order via JPL mobile application. The company may obtain additional information if required to process the order.
   3. The Personal Information which you provide when you register as a user is true, accurate, current and complete in all respects. The Company will not process an order placed by you if the information provided by you is incomplete or inaccurate; and
   4. you will review and update your Personal Information by logging into your account or by contacting our customer service team.; and
   5. you are at least 18 years old. Minors under the age of 18 are prohibited to register as a user of our Mobile Application and are not allowed to transact or use our Mobile Application.
   6. You agree not to impersonate any other person or entity or to use a false name or a name that you are not authorised to use.
   7. You will use your username as a profile login and choose a password upon registration. You are responsible for maintaining the confidentiality of your password and account login and are fully responsible for all activities that occur under your password or account login. You agree to immediately notify us of any breach of security by contacting [email protected]
3. By accessing the Jingle Pay application, the customer accepts that he/she will have access to products and services provided by Jingle Pay, as below:

1. 1. Wallet Account;
   2. Peer to Peer payments, including Pay, Request and Split Bill;
   3. Cross Border Remittances, and
   4. Prepaid Cards
2. We reserve the right to:
   1. modify or withdraw, temporarily or permanently, this Mobile Application (or any part thereof) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the Mobile Application; and/or
   2. change these Terms and Other Terms from time to time in accordance with applicable laws and regulations and our right to vary these Terms. If you do not agree to such amended terms, you must stop using the Mobile Application. If you continue to use the Mobile Application, you will be deemed to have accepted the amended terms.
   3. withdraw any Services from time to time

 

4. Jingle Pay Prepaid Card (“The Card”)

1. The Card is a stored value prepaid card which allows you to access the Available Funds in your Wallet. The Card does not constitute a checking, savings or other bank account and is solely connected to your Wallet’s available balance. If your wallet doesn’t have enough available funds for your purchase, your linked primary funding source will be used as an alternative method to load your Wallet and fund the purchase of goods or transfer of funds.
2. The Card is not a debit card or a credit card, and you will not earn profit or interest on any Available Funds on the Card and/or Wallet.
3. Your Card will be issued to you on the basis of the required information that you have provided, based on the type of Card issued, and you agree to provide accurate personal information and to notify us of any changes as soon as possible so that our records remain correct.
4. Various limits may apply to the Card in respect of each Transaction or daily transacted amounts.
5. Your use of the Wallet and Card for sending any money transfer or making any Transaction shall constitute an agreement by you to pay any and all fees, commissions, and charges on such Transaction as prescribed by us from time to time. You confirm that you have read and agreed to the Terms set out here or other documents issued by Jingle Pay including fees, commission, and charges, for the usage of the Wallet and Card for any Transaction. The Wallet and Card are provided to you subject to our schedule of fees, charges and limits as amended and notified to you.
6. As the applicant, you are responsible for all Cards issued to you under the Agreement and for any fees or charges that these Cards may incur.
7. We may at our sole discretion issue / restrict /withdraw/block any Cards that relate to you.

 

5.Using the Account, including the Card and Wallet

1. You may only use the Account in accordance with the Agreement and we have the right to restrict the services/facilities provided pursuant to the issue/usage of the account at our sole discretion and terms.
2. Subject to sufficient Available Funds and any restrictions in the Agreement, the Card can be used worldwide at POS Terminals or E-commerce website, or any card-operated machine or device, whether belonging to us or other participating banks or financial institutions where logos appear on the Card are displayed/ accepted and any other services so authorized on the Card by us. The Card may also be used at any Merchant location that accepts the Transaction for processing or displays the logo appearing on the Card. The Card may be used for retail purchases, purchases of goods and services approved by us or provided for transaction values not exceeding the Limit (subject always to sufficient Available Funds) from time to time.
3. The Available Funds will be reduced by the full amount of each Transaction plus any applicable Charges.
4. Due to restrictions, the Card may not operate in some countries and may not be accepted at some Merchant locations which are not in compliance with either our internal policies or other requirements as determined at our sole discretion.
5. Merchants that accept the Card are required to seek authorization from us or through any appointed payment processor for all Transactions that you make, and we cannot stop a transaction once authorized. Some Merchants may not be able to authorize your Transaction if they cannot obtain an online authorization from us.
6. We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as Merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend; or as (ii) an arrangement for periodic billing, as any debits to the Card as a result of such arrangements will be considered to have been authorized by you.
7. The Card is only for your use and expires on the date on the front of the Card or displayed on the digital version of the card in the application and may be extended for a limited period subject to the terms of the User Guide.
8. The Card may also expire before the expiry date or validity period as mentioned on the digital or physical Card if it is not used for any Transaction within the specified period. Your Card may be subject to a periodic fee which will be applied in accordance with the Schedule of Charges[1]. Unless otherwise specified the periodic fee will apply regardless of if the balance of the Card is zero (0) unless you have used your Card for loads, reloads or transactions during the specified period. The periodic fees shall be deducted from the Available Funds and for the avoidance of doubt will apply regardless of whether the Card has been used for Transactions.
9. You agree not to use the Card in any manner that could damage, disable, overburden, or impair the Card. You also agree not to use the Card for accessing or purchasing goods from adult or gambling locations or internet sites, or for any other unlawful activity.
10. You must comply with all applicable laws and regulations (including any foreign exchange controls) in respect of the Card in the UAE and the country of use. We reserve the right to suspend the Card, freeze the available balance on the Card, terminate the Agreement and exercise any other remedies available to us, in accordance with applicable laws and regulations, due to your failure to comply with any part of this provision. You agree that we have no obligation to monitor, review or evaluate the legality of your Transactions and that such actions shall be your sole responsibility. We are not liable for any prohibited use or misuse of the Card whatsoever.
11. The Card can only be used if there are sufficient Available Funds for an intended Transaction. If, for any reason whatsoever, an intended Transaction causes the Card to be debited in excess of the Available Funds (whether by use of the Card or towards any fees or charges), we have the sole discretion to approve or reject the Transaction. If such Transaction is approved, you shall be responsible for immediately compensating us for the Shortfall. A Shortfall fee may be payable in the event a Shortfall rises.
12. We are entitled to set off any sum of money on the Account due from you to us against any positive balance on any other card or linked bank account held by you with us.
13. Any usage of the Account inconsistent or in contravention with the usage described in the Agreement is not permitted.
14. If you are entitled to a refund for goods or services purchased using the Card for any other reason, such refund will be made to the Account, in the applicable currency thereby increasing the Available Funds.
15. Our record of any Transaction shall be final and binding. You will not be provided with a printed statement and can check your Available Funds. You may also be able to make a balance enquiry through the Mobile Application. It is your responsibility to keep track of the Available Funds. You acknowledge that the amount stated on the printed slip or digital receipt advice shall not for any purpose whatsoever be taken as a conclusive or up-to-date statement of the Account.
16. You acknowledge that the available balance in the Account may be different from the balance amount as displayed through any channel, due to pending Transactions or other blocked amounts (being amounts transacted but not processed) relevant to the Card.

 

6. Loading and Re-loading

1. The Wallet can be loaded only through debit card, and bank account transfer.
2. Until the expiry of the Card or termination of the Agreement, you can add additional funds to your account through methods made available by us from time to time, subject to certain limits and fees (refer to Schedule of Charges).
3. Unless stated otherwise the Loaded amounts will be credited to the Available Funds in your wallet, when Jingle Pay or assigned third-party services receive such amounts directly or indirectly through the permitted channels.
4. If the Load amount exceeds the maximum balance permitted by us from time to time, then at our discretion such excess amounts shall either not be Loaded, or we will have the right to not allow such excess amount to be available for Transactions.
5. You give us irrevocable authorization to recover any funds erroneously loaded or credited to your Account. If an authorized reload to your Account has an error or if you require additional information, you must contact us immediately through the channels provided in the User Guide or at [email protected].
6. You will neither be charged for adding funds to the wallet nor any early or late redemption fees/charges applied to the customer’s wallet.

 

7. Card, PIN and Passcode Security

1. You must do all that you reasonably can to keep the Card safe and the PIN and other security details secret and safe at all times and not disclose them to any third party.
2. You must never; (i) allow anyone else to use the Card, PIN or other security details; (ii) write down the PIN or any other security information together with the Card; or (iii) give the PIN to anyone, authorised or unauthorised.
3. We will never ask you to reveal any PIN.
4. The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please contact us for assistance. There may be a twenty-four (24) hour delay in reactivating your PIN, and we may not be able to reactivate the PIN whilst you are abroad. If the PIN is disabled, or if a Merchant does not accept chip and PIN, you will be required to sign for any transactions at Merchants, provided that this is supported at Jingle Pay and acceptable to the Merchant.
5. The Passcode may be disabled temporarily if an incorrect passcode is entered five (5) times and your account may be locked. Please reach out to [email protected] if you have trouble getting into your account, whether you may have forgotten the passcode, lost your device, and/or changed your mobile number.
6. You must promptly notify us of any loss or theft of the Card or PIN or Passcode by sending an email to [email protected] or through the Chat Bot. We will suspend the Card and/or the wallet to prevent further use. If a lost Card is subsequently found, it must not be used unless we confirm it may be used. We will not be liable for any misuse of the Card or unauthorised withdrawal arising out of the loss, theft or misuse of the Card, PIN and/or Passcode. If provided for in the User Guide, we may issue you a Replacement Card in the event of loss or theft of your Card subject to you providing the necessary documents and information. Issuance of a Replacement Card may be subject to a fee.
7. You will be required to confirm details of any loss, theft or misuse to us in writing and you must assist us, the police and any other official investigation authority in any enquiries.
8. We may refuse to approve a Transaction and/or suspend the account, with or without notice, if we think the account has been or is likely to be misused or if you have breached the Agreement, including if we suspect any illegal use of the account. If we do suspend the account, we will inform you of our decision, unless such disclosure is prohibited by law or would otherwise compromise fraud prevention or security measures.
9. In the event of fraud or a security threat, the Company immediately contact the relevant customer(s) on registered mobile number and email address via a call or by sending an email depending upon the severity of the situation.

 

8. Unauthorised transactions via the account

1. You must notify us of any unauthorised transactions immediately and in any event within two (2) days of the transaction debit date by sending an email to [email protected] or through the Chat Bot. We will request that you provide additional written information concerning any such transaction and you must comply with such request.
2. You will be liable for all losses in respect of the Card and wallet if you have (i) acted fraudulently; (ii) failed to use the Card and/or wallet in accordance with the Agreement; (iii) have failed to notify us without undue delay on becoming aware of the loss, theft or misuse of the Card; or (iv) have failed to take all reasonable steps to keep the Card and wallet’s security features safe.
3. If our investigations conclude that the transaction you have disputed has been authorised by you, or on your behalf, or you have acted fraudulently, we will not refund the value of the transaction and we may charge you an investigation administration fee in accordance with the Schedule of Charges by a debit against the Available Funds.

 

9. Account Fees and Limits

1. Fees and limits apply to the account, as indicated in the Schedule of Charges. The fees we charge are subject to change from time to time, in accordance with the Agreement. You will be notified of any change in the applicable fees through the website nominated in the Schedule of Charges.
2. You agree to pay and authorise us to debit the Available Funds for the fees set out in the Schedule of Charges. These fees may be debited from the Available Funds as soon as they are incurred.
3. From time to time, we may limit the amount you can load on the wallet, the amount you can withdraw from approved Exchange House or spend at Merchants over certain time periods, or domestic and international money transfers. Some Vendors and third-party service providers also impose their own limits on the amount that can be transmitted, withdrawn or spent over a specific time period.
4. Certain Merchants may charge an additional fee if the Card is used to purchase goods and/or services. The fee is determined and charged by the Merchant by including it in the Transaction amount and is not retained by us.

 

10. Redeeming Unspent/Available Funds in the wallet

1. Unless otherwise specifically stated, the Available Funds in the Wallet can be withdrawn to your linked bank account or at selected exchange houses accepted in the Jingle Pay application for cash withdrawals.

 

11. Personal Data associated with your Account

1. We may contact you by telephone, letter, SMS, email or any other channel deemed appropriate at the contact details you provide us. You must let us know immediately if you change your name, address, phone number, or email address or obtain an updated identification document.
2. By requesting the issuance of or using the Account, you irrevocably authorise us to disclose and furnish to our authorised representatives, subsidiaries, associates, branches, assignees, agents or other connected parties (including the Programme Manager, Bin Sponsor, our third-party advisers and marketing partners) such information as we deem fit concerning you (“Personal Information”), including but not limited to, the Account governed by these Terms and Conditions.
3. Your Personal Information may be disclosed by us to third parties (including the Programme Manager and other third-party providers), to enable us to provide the Wallet and Card Services and for data analysis (including market research), anti-money laundering, detection of crime, legal compliance, enforcement and fraud prevention purposes and in general in compliance of any applicable laws and regulations.
4. Unless you expressly instruct us to the contrary, we shall be at liberty to share the necessary information relating to you with our brand partners with whom we have entered formal agreements, for the purpose of cross selling and marketing of goods and services to you.
5. We shall have an unconditional right to disclose any Personal Information if such information is generally available to third parties, or is lawfully in our possession, or is sought by a court of competent authority, governmental body or regulatory authority (including the Central Bank of the UAE or any other country).
6. Your Personal Information may be processed outside of the country where the Card is issued, but all service providers are required to have adequate safeguards in place to protect your Personal Information.

 

12. Disclaimers in relation to Account, including Card Issuance and Usage

1. We shall be absolved of any liability in case:
   1. You fail to avail the usage of the Card due to force majeure conditions including but not limited to not being in the required geographical range or any other reason including natural calamities; legal restraints or any technical lapses in the telecommunication network or any other reasons beyond our actual control. Also, we are herein absolved of any kind of liability arising due to a loss; direct or indirect incurred by you or any other person due to any lapse in the facility owing to the above-mentioned reasons.
   2. there is any unauthorised use of the PIN, or for any fraudulent, duplicate, or erroneous transaction instructions given by use of the PIN (unless confirmed by us to you that the Card is blocked or cancelled);
   3. there is loss of any information during processing or transmission or any unauthorised access by any other person or breach of confidentiality;
   4. there is any lapse or failure on the part of the service providers or any third party affecting the usage of the Card (and for this purpose, we make no warranty as to the quality of the service provided by any such provider);
   5. any loss or damage whether direct, indirect or consequential, including but not limited to loss of business, contracts, or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by you or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error by us in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from your telecommunication equipment and the network of any service provider and our system or any breakdown, interruption, suspension or failure of your telecommunication equipment, our system or the network of any service provider and/or any third party who provides such services as is necessary to provide.We shall not be involved in or in any way liable to you for any dispute between you and any third-party service provider (whether appointed by us on that behalf or otherwise).
2. We shall not be held liable for any loss incurred by you due to the use of Wallet and Card by any other person with your express or implied permission. We shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being transmitted for affecting your instructions.
3. We shall not be held liable for any loss suffered by you due to disclosure of the personal information to a third party by us, for reasons including but not limited to participation in any services provided herein
4. We will endeavour to make sure the Card and Wallet continue to function, but its operation may be subject to interruptions and/or require periodic modifications and improvements; and to help reduce the risks, we may set from time-to-time revised limitations on the transaction size, Loading amounts and other features of the Card and Wallet.
5. No forbearance, neglect, or waiver by us in the exercise or enforcement of any right or remedy arising from this Agreement will prejudice our right thereafter to strictly enforce the same.

 

13. Initiating Funds Transfer Transaction

1. Initiation. By initiating a transaction through our Mobile Application, you warrant that you are:
   1. legally capable of entering into binding contracts; and
   2. at least 18 years old.
2. How the contract is formed between you and us
   1. After initiating a transaction, you will receive a notification or confirmation from Jingle Pay acknowledging that we processed your request. Please note that this does not mean that your request has been accepted. Your request constitutes an offer to us on the Transaction. All transactions are subject to acceptance by us, and we will confirm such acceptance to you by sending you a notification (“Transaction Confirmation”). The contract between us (“Contract”) will only be formed when we send you the Transaction Confirmation.
   2. The Contract will relate only to those Services we have confirmed in the Transaction Confirmation. We will not be obliged to supply any other services which may have been part of your request until confirmed in a separate Transaction Confirmation by us. All payments are processed immediately after your Transaction Confirmation.
   3. Non-acceptance of an order may be a result of one of the following:
      • Our inability to obtain authorization for your payment.
      • The identification of a pricing or service description error.
      • You not meeting the eligibility criteria set out in these Terms.
3. If you do require any information regarding your transactions, please see the “transaction history” in your account or contact our customer service team

 

14. Funds Transfer cancellation and refund

You may not cancel a transaction once executed and delivered and no refund is possible once a transaction is made. Refund against Cancellation of Transfers returned unpaid/ undelivered for whatsoever reason will be refunded to the sender at the prevailing market buying rate or transaction rate whichever is lower, excluding the sending charges, any deductions from the beneficiary bank, cancellation fees and any other expense incurred as a result.

 

15. Due Diligence on Funds Transfer

1. Upon adding the beneficiary details for the outbound transaction, the customer (sender) confirms and acknowledges the correctness, authenticity, and legality of all the transaction details and will be held responsible for the same.
2. In case the customer is a corporate, we will deal with the person(s) duly authorized by the company supported by an authorization letter signed by the authorized signatory of the company.
3. We reserve the right to use the services of banks and financial institutions in either country where the transfer is proposed. Correspondent and/or intermediary charges are applicable to some countries and will be deducted at the receiving end.
4. All types of remittances conducted by the customers are subject to local, Federal and International Laws as well as the Central Bank of UAE regulations. All customer information and supporting documents must be provided as per requirements of local and international regulations and standards. The transaction may be blocked by any parties involved if found suspicious.
5. The sender and beneficiary will be fully responsible for providing necessary evidence and clarification about any query, including the source of the fund, to prove legitimacy and legality of the information and fund involved as well as any follow-ups required with the concerned authorities to effect the payment or claim a refund.
6. Any transaction-related complaint should be lodged within a maximum period of fourteen (14) days from the date of transaction. We will take all possible efforts to resolve any issues for services provided by a third party by coordinating with the concerned service provider. The company has no liability as an agent for any related services. The third party will be fully liable for the completion of its service in accordance with its terms and conditions.
7. Each transaction holds a minimum and/or maximum financial threshold. Should such threshold be crossed, we may ask you to provide additional documents and/or information as part of Enhanced Due Diligence.
8. Transfers are considered executed and delivered from the date the transfer or payment was made. A refund can be issued only if it has been made available from the third-party service providers processing the payout in the local market of the receiving party.

 

16. Foreign Exchange Rate

Funds Transfer and Other Services

1. Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternate currency). Jingle Pay through its service providers applies the most current exchange rate that are adjusted several times daily in line with the relevant closing rate of financial markets globally.
2. The currency will be converted at the time of transfer and the Receiver will receive the foreign currency amount shown on the confirmation and receipt.

 

Card Transactions

1. A foreign exchange rate will apply in the following instances: (i) using the card for a transaction in a currency which is different to the Base Currency or; (ii) POS Terminal transactions where the transaction is in a currency other than that available on the Card; (iii) ATM withdrawals where the withdrawal currency is not available on the Card
2. If a foreign exchange conversion takes place, the conversion will be undertaken at the prevailing exchange rate determined by (i) the Service Location when loading or reloading your Card, (ii) and in all other circumstances by us.
3. Foreign exchange rates are subject to variation and the rate that applies one day will not necessarily be the same on any other day.
4. Additional fees may apply in respect of foreign exchange conversions.

 

17. Liability

Funds Transfer and Other Services

1. We are only an intermediary to facilitate the Transaction. We do not and are not involved in the actual [money transfer and remittance]. This remittance and money transfer contract is between you and the merchant.
2. Jingle Pay and its agents (where applicable) are indemnified and held harmless from any claims including but not limited to delays, delivery failures, and mistakes, losses resulting from any wrong information in the transaction receipt as well as force majeure events or any other circumstances beyond our control. We have the right to recover any amount paid due to errors or oversight.
3. To the maximum extent permitted under law, all representations, warranties, terms, and conditions whether expressed or implied including merchantable quality, fitness for purpose, usage, sample, and quality whether arising by law or custom are fully disclaimed and excluded. We are not liable for any damages, losses, or compensation howsoever arising whether directly or indirectly and whether special, indirect, or consequential arising out of your use of the Mobile Application. Despite this, in case a court of competent jurisdiction finds us liable, our liability (whether under contract, tort, statute, law or otherwise) shall not exceed USD$10.
4. Our liability under these Terms is strictly limited to the maximum amount equal to what we receive from the merchant in relation to the transaction that you have questioned or USD$10 whichever is the lower provided that you have claimed all you can first from the merchant.
5. This does not include or limit in any way our liability:
   1. for death or personal injury caused by our negligence; or
   2. for fraud or fraudulent misrepresentation.
   3. We are not responsible for indirect losses which happen as a side effect of the main loss or damage, including but not limited to:
      • loss of income or revenue;
      • loss of business;
      • loss of profits or contracts;
      • loss of anticipated savings;
      • loss of data; or
      • waste of management or office time however arising and whether caused by tort (including negligence), breach of contract or otherwise.
6. We are not responsible for third-party costs incurred such as bank charges or merchant charges should there be requests for refund or cancellation.

 

Card Issuance and Usage

1. The Card is issued entirely at your risk. We shall bear no liability whatsoever for any loss or damage arising from the issuance of the Card, howsoever caused. Use of the Card for any transaction shall be at your sole risk. By requesting the issuance of or using the Card you confirm assuming any and all financial risks incidental to or arising out of the Card’s usage with no further liability to us.
2. You agree to fully indemnify us and hold us harmless against any and all actions, proceedings, costs, losses, or damages (including legal costs) we may suffer in connection with the usage of the Card or any misuse of the Card, PIN and/or other facilities provided to you in relation to the Card. This includes any liability arising from your failure to maintain safe custody of the Card at any time before the Card is cancelled.
3. You hereby agree to fully indemnify and hold us, our officers, employees or agents harmless against any liability, loss, charge, demand, proceedings, cost (including legal fees), or expense, which we may suffer, pay or incur as a result of us, our officers, employees or agents acting upon or delaying or refraining from acting upon instructions of you or purporting to be from you or which we believe have been issued by or for you or in any way in connection with the Card or the Agreement, or in enforcing these Terms and Conditions and in recovering any amounts due to us or incurred by us in any legal proceedings of any nature.
4. We will not be liable to you for: delays or mistakes resulting from any circumstances beyond our control, including, without limitation: (i) acts of governmental authorities, national emergencies, insurrection, war, or riots; (ii) the failure of Merchants to accept or honor the Card; (iii) the failure of Merchants to perform or provide services or goods; (iv) communication system failures; (v) interception of communications; or (vi) mechanical defects, failures or malfunctions attributable to your equipment, any internet service, or any payment system.
5. We are not responsible for ensuring that POS Terminals will accept the Card, or for the way in which a Merchant processes a transaction. We will not be liable to you for any non-acceptance of the Card, for disputes concerning the quality of goods or services purchased on the Card or any additional fees charged by the operators of these terminals
6. Information sent over the internet may not be completely secure and the internet and the online systems are not controlled or owned by us. Therefore, we cannot guarantee that they will function at all times, and we accept no liability for unavailability or interruption, or for the interception or loss of any information or other data.
7. We will not be liable under any of the following circumstances:
   1. If, through no fault of ours, there are insufficient funds available on the Card to complete a Transaction;
   2. If the Card is not honored, is declined, is damaged or is confiscated at any POS Terminal for any reason;
   3. If the Card is not honored, or is declined at any Internet Merchant location for any reason;
   4. If an electronic terminal where you are making a transaction does not operate properly;
   5. If a Load has been declined due to our discretion;
   6. If access to the Card has been blocked after you have reported the Card lost or stolen;
   7. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
   8. If we (in our sole discretion) have reason to believe the requested Transaction is unauthorised;
   9. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
   10. Any consequential damages, extraordinary damages, special or punitive damages; and
   11. Any other exception stated in these Terms and Conditions.
8. In the event that we are held liable to you, you will only be entitled to recover your actual damages. In no event shall you be entitled to recover any indirect, costs (including legal costs) consequential, exemplary or special damages (whether in contract, tort or otherwise), even if you have advised us of the possibility of such damages. This provision shall not be effective to the extent otherwise required by law. To the extent permitted by law, you agree that your recovery for any alleged negligence or misconduct by us or service agents shall be limited to the available balance on the Card.

 

18. Indemnification

1. You agree to indemnify, defend and hold us harmless and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees (“Affiliates”) from any claim or demand, including any attorneys’ fees and costs, made by any third party due to, arising out of, or relating to your use of Jingle Pay Mobile APP, your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third party.
2. You agree to indemnify, defend and hold us and our Affiliates harmless from and against any and all claims, loss, damage, tax, liability and/or expense that may be incurred by us and/or our Affiliates arising out of or in connection with the performance of its duties as described in these Terms including the legal costs, fees and expenses of defending itself against any claim by any or all of the parties to any transaction and/or by any other person and/or as a result of you taking any action or refraining from taking any action or instituting or defending any action or legal proceeding.

 

19. Data Protection

1. We shall implement and maintain a comprehensive database security program that contains appropriate security measures to safeguard any personal information submitted by you. For these purposes “personal information” shall mean:
   1. An individual’s name (first initial and last name or first name and last name)
      • Date of Birth
      • Nationality
      • Address Email Address
      • Mobile Number
      • National ID (as described in local regulations)
      • Linked Debit/Credit/Prepaid Card Number
      • Linked Bank Accounts
      • Personal identification/Email ID used or password that would permit access to your Jingle Pay account.
      • Any combination of the foregoing that would allow a person to log onto or access your account.
2. Notwithstanding the foregoing “personal information” shall not include information that is lawfully obtained from publicly available information, or from federal, state or local government records lawfully made available to the general public.

 

20. Intellectual Property and Right to Use

1. Unless otherwise stated, the copyright and other intellectual property rights in the content on the Jingle Pay Mobile Application are owned by us only unless mentioned it belongs to our licensors. Any access or use of the Mobile Application for any reason other than your personal, non-commercial use is prohibited.
2. No part of the Mobile Application may be reproduced or stored in any other Mobile Application or included in any public or private electronic retrieval system or Mobile Application without our prior written permission.
3. You acknowledge and agree that the material and content contained within the Mobile Application are made available for your personal non-commercial use only and that you download such material and content onto only one computer hard drive for such purpose. Any other use of the material and content of the Mobile Application is strictly prohibited without our permission and without reference to us.
4. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content. You will notify us immediately if you come across any third party who does or attempt to do any of the above.This Agreement does not transfer from Jingle Pay to you any Jingle Pay or third party intellectual property, and all rights, title and interest in and to such property will remain (as between the parties) solely with [Jingle Pay] logo, and all other trademarks, service marks, graphics and logos used in connection with Mobile Application, or the Mobile Application are trademarks or registered trademarks of Jingle Pay or our licensors. Other trademarks, service marks, graphics and logos used in connection with the Mobile Application may be the trademarks of other third parties. Your use of the Mobile Application grants you no right or license to reproduce or otherwise use any Jingle Pay or third-party trademarks.

 

21. Copyright Infringement

1. As we ask others to respect our intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by Jingle Pay Mobile Application violates your copyright, you are encouraged to notify us and we will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. We will terminate a visitor’s access to and use of the Website/Mobile Application if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Jingle Pay or others. In the case of such termination, we will have no obligation to provide a refund of any amounts previously paid to us.

 

22.Events outside our control

1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under a Contract that is caused by events outside our reasonable control (“Force Majeure Event”).
2. A Force Majeure Event includes any act, event, non-happening, omission, or accident beyond our reasonable control and includes in particular (without limitation) the following:
   1. strikes, lockouts or other industrial action;
   2. civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war.
   3. fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disasters;
   4. impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport;
   5. impossibility of the use of public or private telecommunications networks;
   6. the acts, decrees, legislation, regulations, or restrictions of any government; and
   7. countries or jurisdictions in which we are not permitted by law to do business.

 

23. Privacy

You agree that we may obtain your Personal Information from a variety of sources when you access or use our Mobile Application. You further agree to comply with the terms of our privacy policy, which is incorporated by reference into these Terms.

 

24. Third Party Links

Links to third-party websites on the Mobile Application are provided solely for your convenience. If you use these links, you leave the Mobile Application. We have not reviewed any of these third-party websites and do not control and are not responsible for these websites or their content (including their terms and conditions) or availability. We, therefore, do not endorse or make any representations about them, any material found there, or any results that may be obtained from using them. If you decide to access any of the third-party websites linked to the Mobile Application, you do so entirely at your own risk.

Jingle Pay Limited is integrated with a Partner’s website or application (Lean Technologies or any other partner Jingle Pay Limited may integrate for the provision of services) that you wish to use. The following services are included:

Payment Initiation Services: We provide regulated payment initiation services (“PIS”). With your consent, and at your instruction, we instruct the payment account provider (e.g., your bank or credit card issuer) (“Payment Account Provider”) to make a payment or payments from your selected payment account (your “Payment Account”) to your chosen recipient. When you want to make a payment using PIS, we will redirect you to your Payment Account Provider so you can provide them with your login and security credentials (“Credentials”) and undergo authentication with them. We will never ask you to share your Credentials with us. The Payment Account Provider will only act on the instruction to make the payment after you give them your Credentials and successfully authenticate with them.

Account Information Services: We provide regulated account information services (“AIS”), including through our Partners. We enable you to:

• access and view information relating to your Payment Accounts (“Account Information”), through our mobile app in a consolidated form; and
• where relevant, to share that Account Information with those Partners and other third parties.

 

25. Suggestions

You agree that any suggestions, ideas, product uses and potential uses, product ideas, feedback or other information about the Mobile Application or our Services (“Suggestions”), provided by you to us are non-confidential to you and shall become our sole property. We will own all of the rights, exclusively, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Suggestions for any purpose, commercial or otherwise, without acknowledgement or compensation to you.

 

26. Our rights to vary these terms

We have the right to revise and amend these Terms and the Other Terms from time to time. It is your responsibility to check our website periodically for changes. Your continued use of or access to our Mobile Application and/or initiating a transaction following the posting of any changes to these Terms and the Other Terms constitutes acceptance of those changes.

 

27. General

Card Issuance and Usage

1. In addition to any general right to set-off or other rights conferred by the law to us, you agree that we may in our absolute discretion at any time and without notice combine and consolidate all or any amounts in any Card of yours (including in any Supplementary Cards) regardless of currency to set-off or transfer any amount in such Card in or towards discharge of all amounts due to us under any Card with us whether in AED or any other currency and may do so notwithstanding that the balances on such Cards and the sums due may not be expressed in the same currency and you hereby authorise us to offset any such combination, consolidation, set- off or transfer with the necessary conversion at our prevailing exchange rates which shall be determined by us at our absolute discretion.
2. No forbearance, neglect, or waiver by us in the exercise or enforcement of any right or remedy arising from this Agreement will prejudice our right thereafter to strictly enforce the same
3. No waiver by us will be effective unless it is in writing.
4. If any provision in these Terms and Conditions is found to be unenforceable, invalid or illegal, such provision will be deemed to be deleted and the remainder of these Terms and Conditions will be unaffected by such unenforceability, invalidity or illegality.
5. We shall not be liable for our inability to pay due to restrictions on convertibility or transferability, requisitions, involuntary transfers, acts of war or civil strife or other similar causes beyond our control. In such event no other office, branch, subsidiary or affiliate of ours shall be responsible or liable to you.
6. We are entitled to record all communication and conversations (including telephone conversations) with you and/or any authorised representative of yours and messages and/or instructions sent to us whether by telephone, in person, voice, use of a touch-tone keypad, electronically or otherwise and transactions conducted by or through any such medium. Our record of all such communications, conversations, instructions, messages and transactions will be conclusive and binding on you for all purposes.
7. We may assign any of our rights and obligations under the Agreement, without your prior consent, to any third party, subject to such party continuing the obligations in the Agreement to you. You are not permitted to assign your rights and obligations under the Agreement to any third party.

 

Funds Transfer & Other Services

1. The United Arab Emirates is our country of domicile. These Terms are binding upon each party hereto and its successors and permitted assigns and shall be governed by and construed in accordance with the Laws of Dubai and Laws of the United Arab Emirates without reference to the conflict of law principles thereof and the parties irrevocably submit to the non-exclusive jurisdiction of the Dubai Courts. For the avoidance of any doubt, any dispute or claim arising out of or in connection with our Mobile Application shall be governed and construed in accordance with the Laws of Dubai and the Laws of the United Arab Emirates.
2. These Terms and all of your rights and obligations under them, is not assignable or transferable by you without our prior written consent.
3. No failure or delay by a party in exercising any right, power or privilege under these Terms will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under these Terms.
4. The invalidity or unenforceability of any provision of these Terms will not invalidate any other provision of these Terms, all of which will remain in full force and effect.
5. If you reside in or are subject to the laws of a jurisdiction anywhere in the world whose common, statutory, regulatory, or codified law would void these Terms in whole or in any essential part (the essential parts being at least, but not only, the exclusive venue and exclusive remedy provisions, and the warranty disclaimers), or which make accessing the Website/Mobile Application illegal, you do so entirely at your own risk.

 

28. Communication and Notices
29. If you have any queries regarding the services Jingle Pay provide, please send an email to [email protected] or through our Chat Bot and refer to our website.
30. We can be contacted using the contact details provided at our website or through the in-app chat support made available to clients.
31. We undertake to communicate with you in English regarding any aspect of the service.
32. You agree that we may communicate with you by email or SMS or phone or through the website for issuing any notices or information about the service and therefore it is important that you ensure that you keep your email address or mobile phone number updated and regularly check the applicable website.
33. We may record and shall keep a record of your application form, identification documents, and request forms as well as any electronic, written or verbal communications for as long as we consider appropriate.
34. You agree that all the telephone calls between you and us may be tape recorded by us and that such recording may be submitted in evidence in any proceedings.
35. Save as otherwise provided in these Terms and Conditions, any demand or communication made by us under the Agreement will be in writing in English and/or Arabic and made at the address given by you (or such other address as you may notify us from time to time).
36. Any notice sent by either party under the Agreement by email shall be deemed given on the day the email is sent, unless the sending party received an electronic indication that the email was not delivered; and if by post, shall be deemed given ten (10) Working Days after the date of posting.

 

29. Law, Jurisdiction

The Agreement and any disputes, which arise under it, shall be governed by the laws of the Emirate of Dubai, applicable federal laws of the United Arab Emirates and Laws and Regulations issued by DIFC, are subject to the non-exclusive jurisdiction of the DIFC Courts.

 

30. Changing the terms
31. You are deemed to have read, understood and agreed to be bound by the Agreement. At any time, we may change, add, amend, supersede, or supplement any or all of the provisions of the Agreement. Such amendments will be available on the Website/Mobile Application and will be effective from the date of such change. Such changes are deemed to be binding on you whether or not you have received specific notice in person of such amendments.
32. We may amend the Agreement without notice, in order to comply with applicable laws and regulations.

 

 

 

 

 

1. Third Party Providers
   1. Money Gram

Privacy Notice

SEND TERMS

إشعار الخصوصية. ينطبق هذا الإشعار على المعلومات الشخصية التي تجمعها MoneyGram عنك وعن المستلم. المعلومات التي نجمعها ونستخدمها، تعتمد على المنتج أو الخدمة التي تحصل عليها معنا، بما في ذلك على سبيل المثال لا الحصر، معلومات الاتصال، معلومات الهوية. قد نشارك المعلومات التي نجمعها منك مع أطراف ثالثة، بما في ذلك الشركات التابعة، لمعالجة معاملاتك، وتسويق منتجاتنا وخدماتنا لك، واكتشاف ومنع الاحتيال والأنشطة غير القانونية الأخرى، مثل أنشطة غسيل الأموال، أو التعاون مع المجرمين. أو التحقيقات الحكومية، وفقًا للقوانين المعمول بها. بالإضافة إلى ذلك، قد يتم نقل المعلومات الشخصية التي نجمعها خارج بلد التجميع لأغراض التحويلات الدولية والمعالجة. للحصول على معلومات حول ممارسات الخصوصية لدينا وحقوقك، يرجى زيارةwww.moneygram.com/privacy-notice لاختيار عدم تلقي الاتصالات التسويقية منا، يمكنك أن:

(i) على رابط “إلغاء الاشتراك” الموجود أسفل رسالة البريد الإلكتروني التسويقة الخاصة بـ MoneyGram التي تلقيتها؛ (ii) الرد “MGISTOP” في رسالة نصية أو رسالة نصية قصيرة؛ أو (iii) تواصل معنا على [email protected].

 

RECEIVE TERMS

إشعار الخصوصية. ينطبق هذا الإشعار على المعلومات الشخصية التي تجمعها MoneyGram عنك. المعلومات التي نجمعها ونستخدمها، تعتمد على المنتج أو الخدمة التي تحصل عليها معنا، بما في ذلك على سبيل المثال لا الحصر، معلومات الاتصال الخاصة بك وتحديد الهوية. قد نشارك معلوماتك مع أطراف ثالثة، بما في ذلك الشركات التابعة، لمعالجة معاملاتك، تسويق منتجاتنا وخدماتنا لك، اكتشاف ومنع الاحتيال والأنشطة غير القانونية الأخرى، مثل أنشطة غسيل الأموال، أو التعاون مع التحقيقات الجنائية أو الحكومية، وفقًا للقوانين المعمول بها. قد يتم نقل معلوماتك الشخصية خارج بلد التجميع لأغراض التحويلات الدولية والمعالجة. للحصول على معلومات حول ممارسات الخصوصية لدينا وحقوقك، يرجى زيارةwww.moneygram.com/privacy-notice.  لاختيار عدم تلقي الاتصالات التسويقية منا، يمكنك أن: (i) انقر على رابط “إلغاء الاشتراك” الموجود أسفل رسالة البريد الإلكتروني التسويقية الخاصة بـ MoneyGram التي تلقيتها؛ (ii) الرد “MGISTOP” في رسالة نصية أو رسالة نصية قصيرة؛ أو (iii) تواصل معنا على  [email protected] .

 

SEND TERMS

Privacy Notice. This Notice applies to personal information MoneyGram collects about you and the recipient. The information we collect and use depends on the product or service you have with us, including but not limited to contact information and identification information. We may share the information we collect from you with third parties, including affiliated companies, to process your transactions, market our products and services to you, detect and prevent fraud and other illegal activities, such as money laundering activities, or cooperate with criminal or government investigations, in accordance with applicable laws. In addition, the personal information we collect may be transferred outside the country of collection for international transfers and for processing. For details on our privacy practices and your rights, please visit www.moneygram.com/privacy-notice. To opt-out of receiving marketing communication from us, you may: (i) click on the “unsubscribe” link at the bottom of the MoneyGram marketing email you’ve received; (ii) reply “MGISTOP” to a text or SMS message; or (iii) contact us at [email protected].

 

RECEIVE TERMS

Privacy Notice. This Notice applies to personal information MoneyGram collects about you. The information we collect and use depends on the product or service you have with us, including but not limited to, your contact information and identification. We may share your information with third parties, including affiliated companies, to process your transactions, market our products and services to you, detect and prevent fraud and other illegal activities, such as money laundering activities, or cooperate with criminal or government investigations, in accordance to applicable laws. Your personal information may be transferred outside the country of collection for international transfers and for processing. For details on our privacy practices and your rights, please visit www.moneygram.com/privacy-notice. To opt-out of receiving marketing communication from us, you may: (i) click on the “unsubscribe” link at the bottom of the MoneyGram marketing email you’ve received; (ii) reply “MGISTOP” to a text or SMS message; or (iii) contact us at [email protected].

 

الشروط والأحكام

1. مقدمة
   • خدمة تحويل الأموال ®MoneyGram (“الخدمة”) مقدمة من طرف MoneyGram Payment Systems, Inc.(“نحن”) من خلال شبكة من الوكلاء أو المندوبين المعتمدين أو الكيانات الأخرى المصرح لها (“الوكلاء”).

تشكل هذه الشروط والأحكام، بالإضافة إلى المستندات (كما هو محدد في القسم 1.3 أدناه) المستخدمة فيما يتعلق ب”الخدمة” التي قد تشتمل على هذه الشروط والأحكام أو التي قد تلحق بها هذه الشروط و الأحكام مجمل الإتفاقية (“الإتفاقية”) بيننا وبينك بصفتك المرسل للخدمة )”أنت” أو “المستلم”(.

• تتيح لك هذه الاتفاقية والخدمة استلام أي تحويل أموال )“تحويل”( أرسله أي فرد “)المُرسِل” (باستخدام خدمتنا. لقد تم إرسال التحويل إليك وفقاً لعملة ومبلغ قام المُرسِل بتحديدهما خصيصاً. لن تفرض MoneyGram عليك أي رسوم مقابل استلام التحويل. الخدمة متاحة لك وحدك بصفتك الشخصية المعروفة للمُرسِل.
• يتعين عليك التوقيع على أي مستندات أخرى تتعلق بالتحويل بما في ذلك جميع النماذج أو الإيصالات أو الإقرارات (ويشار إليها مجتمعة باسم “المستندات”) بصورة كاملة ودقيقة حتى تتمكن من استخدام الخدمة.
• يُعَد استخدامك للخدمة أو محاولة استخدامها بأي صفة إقرارًا منك بأنك (1) تقبل شروط هذه الاتفاقية، و(2) قد قرأتَ المستندات المتعلقة بالتحويل وتؤكّد بأن ما جاء في المستندات من معلومات دقيق و (3) قد استلمت من الوكيل المبلغ والعملة الوارد ذكرهما في هذه الاتفاقية و/أو في المستندات. في حال رغبتَ في صرف عملة التحويل إلى عملة أخرى بخلاف العملة المنصوص عليها في هذه الاتفاقية، فإنك تقر وتوافق على أن أي عملية صرف عملة تتبع ذلك تُعَد حركة مستقلة عن الخدمة ذاتها وأنها تخضع لأحكام الفقرة 6 من هذه الاتفاقية.
• يجب أن تقدم للوكيل مستند اثبات شخصية صالح لاستلام التحويل. لن نتحمل أي مسؤولية في حالة صرف التحويل، متى وحسب الاقتضاء، إلى شخص يقدم مستند اثبات شخصية صالح للوكيل الذي يصف هذا الشخص بأنه المستلم (حتى لو كان هذا مزيفًا أو مزورًا) ويقدم رقم مرجعي للحولة.

2. القيود على الخدمة
   • أنت تقر بأنه يجوز للمُرسِل أو لشركة MoneyGram في حالاتٍ معينة إلغاء التحويل المخصص لك في أي وقتٍ قبل أن تستلمه، وأنه لا يحق لك في هذه الحالة استلام التحويل.
   • يمكن أن يطرأ تأخير على الخدمة أو على قدرتك على استلام التحويل أو أن يخضعا لقيد أو أن تكون الخدمة غير متوفرة بناءً على الخدمة التي يكون المُرسِل قد اختارها وأوقات عمل الوكيل ومبلغ التحويل وتوفر العملة والامتثال القانوني والتنظيمي بما كان لدينا ما يجعلنا نعتقد بأن التحويل أو الخدمة يُستخدمان على أي نحوٍ يخرق أحد القوانين أو اللوائح أو التشريعات أو سياسات MoneyGram وإجراءاتها المعمول بما فيها أي ارتباط بعمليات قوانين مكافحة غسيل الأموال أو الاحتيال أو غيرها من الأنشطة غير المشروعة.
   • في حال عدم دفع التحويل لك، يمكنك الاتصال بشركة MoneyGram للاستفسار عن حالة التحويل وقد يكون بمقدور MoneyGramمساعدتك، إلا أن ذلك يخضع لكل القوانين واللوائح السارية المرتبطة بخدماتنا وبسياسات MoneyGram وإجراءاتها.
3. أحكام عامة
   • إذا لم يتم إجراء التحويل بالشكل المناسب أو لم يصل أبداً، فقد نكون مسؤولين تجاه المستلم. لن نكون مسؤولين تجاهك، باستثناء عدم وجود شيء في هذه الاتفاقية يستثني مسؤوليتنا أو يحدها إلى مدى نعجز عن استثنائه أو حده وفقاً للقانون.
   • لا يتضمن التحويل أو استخدام الخدمة أن يكون لديك أي “إيداع” أو حساب لدى MoneyGram أو أي من الوكلاء.
   • إن خدمتنا موجهة للأشخاص الذين يبلغون من العمر 18 عامًا وما فوق، ولا يجوز استخدامها لأغراض عهود التنفيذ أو الائتمان أو المقامرة، ولا تُستخدَم إلا لغرضٍ مشروع. في حال وجود أي تعارض بين النسخة الإنجليزية من الاتفاقية وأي نُسخة مترجمة من الاتفاقية، يجب أن تسود النسخة الإنجليزية من الاتفاقية كما أن MoneyGram سوف تتواصل معك باللغة الإنجليزية.
   • لا تهدف هذه الاتفاقية وليس المقصود بها منح أي حقوق أو تعويضات لأي شخص آخر غير المستلم وMoneyGram.
4. اشعار الخصوصية
   • ينطبق هذا الإشعار على المعلومات الشخصية التي تجمعها MoneyGram عنك، المعلومات التي نجمعها و نستخدمها تعتمد على المنتج أو الخدمة التي تحصل عليها معنا، بما في ذلك على سبيل المثال لا الحصر، معلومات الاتصال، معلومات الهوية. قد نشارك المعلومات التي نجمعها منك مع أطراف ثالثة، بما في ذلك الشركات التابعة، لمعالجة معاملاتك، وتسويق منتجاتنا وخدماتنا لك، واكتشاف ومنع الاحتيال والأنشطة غير القانونية الأخرى، مثل أنشطة غسيل الأموال، أو التعاون مع المجرمين, أو التحقيقات الحكومية، وفقًا للقوانين المعمول بها. بالإضافة إلى ذلك، قد يتم نقل المعلومات الشخصية التي نجمعها خارج بلد التجميع لأغراض التحويلات الدولية والمعالجة. للحصول على معلومات حول ممارسات الخصوصية لدينا وحقوقك، يرجى زيارةmoneygram.com/ privacy-notice
   • لاختيار عدم تلقي الاتصالات التسويقية منا، يمكنك أن (أ) النقر على رابط “إلغاء الاشتراك” الموجود أسفل رسالة البريد الإلكتروني التسويقة؛ (ب) أو الرد ب”MGISTOP“ في رسالة نصية أو رسالة قصيرة أو تواصل معنا على[email protected]
5. بيانات الاتصال ومعلومات خدمة العملاء

نحن نتعهّد بضمان حصولك على خدمة عالية الجودة منا. وفي حالة شعورك بعدم الرضا عن “خدماتنا” أو تعتقد حدوث خطأ في “التحويل” الخاص بك، يرجى الاتصال بنا في أسرع وقت ممكن. للحصول على التفاصيل الكاملة حول إجراءات الشكاوى الخاصة بنا أو للحصول على إرشادات حماية المستهلك، أو لتقديم شكوى ما، يمكنك:

• زيارة موقعنا الإلكتروني moneygram.com والتقدُّم بالنموذج الإلكتروني؛
• أو كتابة رسالة بريد إلكتروني إلى [email protected] ؛
• أو مراسلتنا كتابةً على :MoneyGram, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673.

6. الترتيبات المنفصلة

بالإضافة إلى تقديمهم لخدماتنا، يجوز لوكلائنا أن يقدموا لك منتجاتهم وخدماتهم الخاصة مثل صرف العملات. تُعَد هذه المنتجات والخدمات الإضافية منفصلة ومستقلة عن الخدمة، وتُقدَّم بموجب شروط الوكيل وأحكامه الخاصة، ولا علاقة لشركة”MoneyGram”  بها على أي نحو ومن المرجح أن تكون لهذه المنتجات والخدمات الإضافية رسومها الخاصة المرتبطة بها.

 

MoneyGram Terms and Conditions for Receiving Money

 

1. INTRODUCTION

1.1. The MoneyGram® money transfer service (“Service”) is provided by MoneyGram Payment Systems, Inc. (“MoneyGram”, “we” or “us”) through a network of agents, authorized delegates, or other permitted entities (“Agents”). These Terms and Conditions, along with the Documentation (as defined in Section 1.3) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (“Agreement”) between MoneyGram and you, the individual recipient of the Service (“you” or “Receiver”).

1.2. This Agreement and the Service allow you to receive a money transfer (a “Transfer”) that has been sent using our Service from an individual (“Sender”). The Transfer has been sent to you in a currency and amount specifically designated by the Sender. MoneyGram will not charge you any fees for receiving the Transfer. The Service is available to you only in your individual capacity known to the Sender.

1.3. You must sign this Agreement and any other documentation related to the Transfer, including all forms, receipts, or acknowledgements (collectively, the “Documentation”) fully and accurately in order to use the Service.

1.4. By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement, (ii) have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate, and (iii) have received from the Agent the currency and amount described in this Agreement and/or the Documentation. To the extent you desire to exchange the Transfer into a currency other than the currency as described in this Agreement, you further acknowledge and agree that any subsequent exchange of the Transfer is a separate transaction from the Service and is subject to the provisions of Section 6 of this Agreement.

1.5. You must provide the Agent with valid identification to receive the Transfer. We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the Agent describing a such person as the Receiver (even if such identification was false or forged) and provides a Reference Number.

2. RESTRICTIONS ON SERVICE

2.1. You acknowledge that the Sender or MoneyGram, in certain circumstances, may cancel the Transfer designated for you at any time prior to your receipt and that upon such event, you will not be entitled to receive the Transfer.

2.2. The Service, or your ability to receive the Transfer, may also be delayed, restricted or unavailable depending upon the Service selected by the Sender, Agent hours of operation, the amount of the Transfer, currency availability, and legal, and regulatory compliance, including ID requirements. We will not disburse the Transfer to you if we believe that the Transfer or the Service is being used in any way to violate applicable laws, regulations, codes or MoneyGram’s policies and procedures, including any associated with fraud, anti-money laundering laws, or other illegal activity.

2.3. If the Transfer is not disbursed to you, you may contact MoneyGram to inquire into the status of the Transfer and MoneyGram may be able to assist you, subject to all applicable laws and regulations relating to our Services and MoneyGram’s policies and procedures.

3. GENERAL

3.1. Unless prohibited by law, we will not be liable to you for any issues arising in connection with the Transfer. In certain circumstances, the Sender may be entitled to a refund of the Transfer and/or certain fees paid in connection with the Transfer.

3.2. The Transfer and use of the Service do not involve you having a “deposit” or an account with MoneyGram or an Agent.

3.3. Services are directed to persons 18 years and over and may not be used for escrow purposes or gambling and may only be used for a lawful purpose. In the event of any conflict between the English version of the Agreement and any translated version of the Agreement, the English version of the Agreement shall govern, and MoneyGram will communicate with you in English.

3.4. This Agreement does not and is not intended to confer any rights or remedies upon any person other than you and MoneyGram.

4. PRIVACY AND SHARING OF YOUR INFORMATION; DATA PROTECTION

4.1. This Notice applies to personal information MoneyGram collects about you. The information we collect and use, depends on the product or service you have with us, including but not limited to, your contact information and identification. We may share your information with third parties, including affiliated companies, to process your transactions, market our products and services to you, detect and prevent fraud and other illegal activities, such as money laundering activities, or cooperate with criminal or government investigations, in accordance with applicable laws. Your personal information may be transferred outside the country of collection for international transfers and for processing. For details on our privacy practices and your rights, please visit www.moneygram.com/privacy-notice.

 4.2. To opt-out of receiving marketing communication from us, you may: (i) click on the “unsubscribe” link at the bottom of the MoneyGram marketing email you’ve received; (ii) reply “MGISTOP” to a text or SMS message; or (iii) contact us at [email protected].

5. CUSTOMER SERVICE

We are committed to ensuring that you receive high quality service from MoneyGram. In the event that you are dissatisfied with our Service or believe that an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaint’s procedure or consumer protection advice, or to submit a complaint, you can:

• visit our website www.moneygram.com and submit the online form;
• send an email to us at [email protected]; or
• write to us at: MoneyGram International, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673

6. SEPARATE ARRANGEMENTS

In addition to their offering of our Service, Agents may offer you their own products or services such as currency exchange. These additional products or services are separate and independent from the Service, are offered under the Agent’s own terms and conditions, and do not involve MoneyGram in any way. These additional products and services are likely to have their own fees associated with them.

 

الشروط والأحكام

 

1. مقدمة
   • خدمة تحويل الأموال ®MoneyGram (“الخدمة”) مقدمة من طرف MoneyGram Payment Systems, Inc. (“نحن”) من خلال شبكة من الوكلاء أو المندوبين المعتمدين أو الكيانات الأخرى المصرح لها (“الوكلاء”).

تشكل هذه الشروط والأحكام، بالإضافة إلى المستندات (كما هو محدد في القسم 1.3 أدناه) المستخدمة فيما يتعلق ب”الخدمة” التي قد تشتمل على هذه الشروط والأحكام أو التي قد تلحق بها هذه الشروط و الأحكام مجمل الإتفاقية (“الإتفاقية”) بيننا وبينك بصفتك المرسل للخدمة )”أنت” أو “المرسل”(.

• تتيح لك هذه “الاتفاقية” و”الخدمة” إرسال تحويل نقدي)”التحويل”(إلى الشخص المذكور اسمه في الاستمارة (“مستلم الخدمة”) وتسمح له (1) باستلام ذلك التحويل النقدي نقدًا عبر موقع من مواقع “MoneyGram” (خدمة “التحويل للاستلام نقدًا”)؛ أو (2) باستلام

التحويل النقدي في حسابه البنكي أو أي نوع آخر من الحسابات المادية أو الافتراضية، على سبيل المثال، حساب المحفظة (خدمة “تحويل النقد إلى الحساب”). تطبق هذه الشروط والأحكام على كلا الخدمتين، إلا إذا أوضحنا أنها تسري على خدمة واحدة منهما فقط.

• يجب عليك التوقيع على أي مستندات أخرى متعلقة ب”التحويل”، بما في ذلك كل الاستمارات أو الإيصالات أو الإقرارات (يشُار إليها مجتمعة ب”المستندات”) لكي يتسنى لك استخدام “الخدمة”.
• تقر من خلال استخدامك أو محاولة استخدامك “للخدمة” بأي صفة بأنك (1( تقبل شروط هذه “الاتفاقية”، و (2) قرأت “المستندات” المتعلقة ب”التحويل”، وأن المعلومات الموضحة في “المستندات” دقيقة.
• بالنسبة للتحويلات التي يتم إرسالها واستلامها نقدًا، يمكنك إما إرسال المبلغ في نفس الدولة أو إلى “دولة استلام” مختلفة. يمكن ل”متلقي الخدمة” استلام المبلغ فقط في “دولة الاستلام” المذكورة في الاستمارة. بمجرد معالجة “الوكيل” لهذه الاستمارة وحصوله على المبلغ الخاص بك يمكن ل”متلقي الخدمة” استلام المبلغ في أي موقع من مواقع “MoneyGram” في “بلد الاستلام” خلال دقائق (أثناء ساعات العمل) نقدًا، وبالعملة المذكورة في الاستمارة إلا إذا تم تطبيق الشرط رقم 2.2 أدناه. لن نقوم بالاتصال ب”متلقي الخدمة” عندما يكون المبلغ جاهزًا للاستلام، لذلك يجب عليك القيام بذلك.
• نحن لا نقدم “الخدمة” في كل الدول. يمكنك الاتصال بنا أو زيارة موقعنا الإلكتروني أو الاستفسار من “وكيل” لمعرفة مدى توافر “خدمتنا” وعناوين وساعات عمل المواقع التي تقُدم هذه “الخدمة”.

2. الرسوم وتحويل العملات
   • يجب عليك سداد الرسوم المذكورة في الاستمارة لنا. لن نفرض عليك أي رسوم أخرى مقابل “التحويل”. يمكنك فقط إرسال المبلغ بعملة أو عملات محددة. سيخبرك “الوكيل” بما إذا كانت عملة ما متاحة للسداد في “بلد الاستلام” أم لا وسعر التحويل المطبق (إذا كانت مختلفة عن العملة التي تدفعها لنا). سيتم ذكر العملة التي تختارها وسعر التحويل المتفق عليه والمبلغ المحول في الاستمارة.
   • بالنسبة للتحويلات التي يتم إرسالها واستلامها نقدًا في بلاد محددة: 1) إذا كان مبلغ “التحويل” مذكورًا بالدولار الأمريكي ولا يستطيع “وكيل متلقي الخدمة” السداد بهذه العملة، فسيقوم بتحويل المبلغ إلى العملة المحلية باستخدام سعر التحويل القياسي الخاص به أو ب” MoneyGram ؛ 2) إذا لم يتم استلام المبلغ (أياً كانت العملة الأجنبية المرسل بها) خلال 45 يومًا، يجوز ل”وكيل متلقي الخدمة” إعادة حساب المبلغ المحول وقت الاستلام، باستخدام سعر التحويل القياسي الخاص به أو ب”MoneyGram”.
3. القيود المفروضة على التحويلات
   • هناك قيود مفروضة على المبلغ الذي تستطيع إرساله. سيخبرك “الوكيل” بها، حسب الضرورة. يجوز لنا رفض إرسال المبلغ أو السماح باستلامه إذا تراءى لنا إلى حد معقول أنه: (أ) قد يؤدي قيامنا بقبول التحويل إلى خرق أي قانون أو لائحة أو تشريع أو أي التزام آخر يسري علينا؛ أو (ب) قد يعرضنا القيام بقبول التحويل إلى أي إجراء قضائي من أي حكومة أو جهة تنظيمية؛ أو(ج) قد يكون للتحويل علاقة بنشاط احتيالي أو غير قانوني.
4. إلغاء التحويل وإعادة الأموال
   • لا يحق لك إلغاء “التحويل”. على الرغم من ذلك، قد نتمكن من إلغائه قبل استلام “متلقي الخدمة” أو تلقيه الأموال. إذا كنت ترغب في إلغاء “التحويل” وطلب إعادة مبلغ “التحويل”، يمكنك الاستفسار من “وكيل” أو مراسلتنا مع إرفاق صورة من الاستمارة المكتملة الخاصة بك. ونحن نهدف إلى معالجة هذه الطلبات فورًا , و لكن في اي حال من الاحوال يتم الغاء التحويل في مدة لا تزيد عن 30 يوما.
5. التحويلات المنتهية الصلاحية
   • إذا طلبت تحويل مبلغًا مطلوب تلقيه نقدًا، ولم يتم استلام المبلغ المُحوَّل في غضون 90 يومًا، فسيتعذر تنفيذ هذه المعاملة وسنتعامل معها على أنها من )”التحويلات المنتهية الصلاحية”(. لن نتحمل مسؤولية تنفيذ التحويلات المنتهية الصلاحية بعد مرور 90 يومًا. إذا انتهت صلاحية التحويل، فيحق لك استرداد المبلغ المنتهي صلاحية تحويله. إذا علمت بعدم استلام المبلغ المُحوَّل، فيُرجى التواصل معنا لطلب الاسترداد.
6. مستند اثبات الشخصية و دفع التحويلات التي يتم إرسالها وإستلامها نقدًا
   • من أجل إستلام الأموال وإتمام عملية التحويل، يجب تقديم ما يلي: (1) وثيقة مستند اثبات الشخصية ساري المفعول؛ (2) معلومات عن متلقي الخدمة وفقا لما هو مذكور في الإستمارة؛ (3) إسم المرسل ؛ (4) مبلغ التحويل و (5) الرقم المرجعي المكون من 8 أرقام.
   • يجب ألا تشارك المعلومات المشار إليها في المادة 6.1 مع أي شخص آخر غير متلقي الخدمة الذي اخترته. يجب عليك أيضًا أن تفعل كل ما بوسعك و بشكل معقول للتأكد من عدم تمكن أي شخص آخر من الحصول عليها – على سبيل المثال ، من خلال (1) عدم السماح لأي شخص بالإطلاع على الاستمارة؛ (2) عدم تدوين الرقم المرجعي بطريقة يمكن التعرف عليه، وعدم السماح لأي شخص أن يستمع إليك عند إخبار متلقي الخدمة بالرقم المرجعي؛ و (3) عدم الثقة في شخص (بخلاف متلقي الخدمة) يحاول أن يؤكد لك أنه من الآمن الكشف عن بعض أو كل هذه المعلومات له.
7. شروط إضافية للتحويلات النقدية إلى الحساب
   • سنقوم بإرسال المبلغ إلى الحساب الذي تحُدده في الاستمارة. للحصول على معلومات عن الوقت الذي سيتم فيه إيداع المبلغ المدفوع في هذا الحساب، عليك الاتصال بموفر حساب “متلقي الخدمة”.
   • يجوز لموفر حساب “متلقي الخدمة” تطبيق رسومه الخاصة على “التحويل”، ولا تكون لنا علاقة بهذا الأمر.
   • إذا طلبت منا إرسال مبلغ إلى حساب ما ولم يتم إتمام “التحويل” بشكل سليم أو لم يصل أبدًا، فسنقوم فورًا بإعادة المبلغ الخاص بك والرسوم التي قمت بسدادها لنا إليك – إلا إذا كان بإمكاننا إثبات استلام موفر الحساب للمبلغ أو أن هناك خطأ ما في تفاصيل حساب”متلقي الخدمة” التي أعطيتها لنا.
8. ترتيبات منفصلة
   • يجوز لوكلائنا أن يقدموا لك، بالإضافة إلى تقديم خدماتنا، منتجاتهم أو خدماتهم الخاصة مثل تحويل العملات. وتعُدَ هذه المنتجات أو الخدمات الإضافية منفصلة ومستقلة عن “الخدمة” وتقُدَّم طبقاً لشروط وأحكام “الوكيل” ولا علاقة لشركة”MoneyGram” بها على أي نحو. ومن المرجح أن تكون لهذه المنتجات والخدمات الإضافية رسومها الخاصة المصاحبة لها.
9. مسئوليتنا
   • لن نكون مسئولين تجاهك إذا قمنا بخرق هذه “الاتفاقية” بسبب: (1) ظروف غير عادية أو غير متوقعة خارجة عن إرادتنا والتي لا نستطيع خلالها تجنب خرق هذه “الاتفاقية” على الرغم من كل الجهود التي نبذلها لمنع ذلك – وقد يتضمن ذلك، على سبيل المثال، التأخيرات أو الإخفاقات التي تنتج عن عمليات صناعية أو مشكلات مع نظام أو شبكة أخرى أو الأعطال الفنية و التقنية أو حالات الفشل في معالجة البيانات؛ أو )2( التزاماتنا بموجب القوانين الإنجليزية أو القوانين الأخرى المعمول بها والتي قد نخضع لها.
   • نحن غير مسئولين تجاهك عن أكثر من المبلغ الذي قمت بإرساله والرسوم التي سددتها لنا. ولن نكون مسئولين عن أي خسائر أو تكاليف عارضة أو غير مباشرة أو خاصة أو تبعية تتكبدها أو أي خسائر أو تكاليف تجارية )مثل خسارة الأرباح أو الفرص التجارية(، حيث إنه تم إبرام هذه “الاتفاقية” معك كمستهلك .
   • خدمتنا مخصصة للأشخاص الذين يبلغون 18 عامًا وما فوق، ولا يجوز استخدامها لأغراض الضمان أو الإئتمان أو المقامرة، كما لا يجوز استخدمها إلا لغرض مشروع قانونا.ً يرجى أيضا قراءة التحذيرات الخاصة بالإحتيال في الإستمارة. إذا طلبت منا دفع مبلغ لشخص ما تبين بعد ذلك أنه احتال عليك أو أخفق في الوفاء بالتزاماته نحوك، فلن نكون مسئولين تجاهك عن ذلك.
10. أحكام أخرى
    • سنقوم بإبلاغ أي جهة حكومية عن التحويلات النقدية في حالة ضرورة القيام بذلك بموجب القانون.
    • لا ينطوي “التحويل” واستخدام “خدمتنا” على احتفاظك أنت أو “متلقي الخدمة” ب”وديعة” أو حساب لدى .”MoneyGram”
    • تم إعداد هذه الشروط وسيتم تنفيذها باللغة الإنجليزية، والتي تعد اللغة المعمول بها لكل الأغراض. في حالة وجود أي تعارض بين النسخة الإنجليزية من “الاتفاقية” وأي نُسخة مترجمة عنها، يُعمل بالنسخة الإنجليزية من “الاتفاقية” وسنتواصل معك باللغة الإنجليزية.
11. حماية الخصوصية
    • ينطبق هذا الإشعار على المعلومات الشخصية التي تجمعها MoneyGram عنك وعن المستلم، المعلومات التي نجمعها ونستخدمها تعتمد على المنتج أو الخدمة التي تحصل عليها معنا، بما في ذلك على سبيل المثال لا الحصر، معلومات الاتصال، معلومات الهوية. قد نشارك المعلومات التي نجمعها منك مع أطراف ثالثة، بما في ذلك الشركات التابعة، لمعالجة معاملاتك، وتسويق منتجاتنا وخدماتنا لك، واكتشاف ومنع الاحتيال والأنشطة غير القانونية الأخرى، مثل أنشطة غسيل الأموال، أو التعاون مع المجرمين. أو التحقيقات الحكومية،وفقًا للقوانين المعمول بها. بالإضافة إلى ذلك، قد يتم نقل المعلومات الشخصية التي نجمعها خارج بلد التجميع لأغراض التحويلات الدولية والمعالجة. للحصول على معلومات حول ممارسات الخصوصية لدينا وحقوقك، يرجى زيارة moneygram.com/ privacy-notice
    • لاختيار عدم تلقي الاتصالات التسويقية منا، يمكنك أن (أ) النقر على رابط “إلغاء الاشتراك” الموجود أسفل رسالة البريد الإلكتروني التسويقة؛ (ب) أو الرد ب”MGISTOP“ ف رسالة نصية أو رسالة قصيرة أو تواصل معنا على[email protected]
12. بيانات الاتصال ومعلومات خدمة العملاء
    • نحن نتعهّد بضمان حصولك على خدمة عالية الجودة منا. وفي حالة شعورك بعدم الرضا عن “خدماتنا” أو تعتقد حدوث خطأ في “التحويل” الخاص بك، يرجى الاتصال بنا في أسرع وقت ممكن. للحصول على التفاصيل الكاملة حول إجراءات الشكاوى الخاصة بنا أو للحصول على إرشادات حماية المستهلك، أو لتقديم شكوى ما، يمكنك:

• زيارة موقعنا الإلكتروني moneygram.com والتقدُّم بالنموذج الإلكتروني؛
• أو كتابة رسالة بريد إلكتروني إلى [email protected] ؛
• أو مراسلتنا كتابةً على :

MoneyGram, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673.

 

MoneyGram Terms and Conditions for Sending Money

 

1. INTRODUCTION

1.1. The MoneyGram® money transfer service (“Service”) is provided by MoneyGram Payment Systems, Inc., (“we” or “us”) through a network of agents, authorized delegates, or other permitted entities (“Agents”). These Terms and Conditions, along with the Documentation (as defined in Section 1.3 below) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (“Agreement”) between us with you, the individual sender of the Service (“you” or “Sender”).

1.2. This Agreement and the Service allow you to send a money transfer (a “Transfer”) to the person named on the form (the “Recipient“) and allow them (i) to collect in cash at a MoneyGram location (our “cash to cash” service); or (ii) to receive into their bank account or other types of physical or virtual account, for example, a mobile wallet account (our “cash to account” service). These terms and conditions apply to both services, except where we say they apply to only one of them.

1.3. You must sign any other documentation related to the Transfer, including all forms, receipts, or acknowledgements (collectively, the “Documentation”) in order to use the Service.

1.4. By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii) have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate.

1.5. For cash-to-cash Transfers, you can either send money within the same country or to a different “receive country”. The Recipient can only collect the money in the receive country stated in the form. Once the Agent has processed this form and been given your money, the Recipient can collect the money at any MoneyGram location in the receive country within minutes (during opening hours) in cash, in the currency stated in the form unless condition 2.2 below applies. We will not contact the Recipient when the money is ready to collect, so this is something you will need to do.

1.6. We do not offer the Service in all countries. You can call us, visit our website or ask an Agent to find out the availability of our Service, and the addresses and opening times of locations offering the Service.

2. CHARGES AND CURRENCY EXCHANGE

2.1. You must pay us the fee stated in the form. We will not charge you any other fee for the Transfer. You can only send money in a certain currency or currencies. The Agent will tell you whether a payout currency is available in the receive country and (if different to the currency in which you pay us) what exchange rate will apply. Your chosen currency, the agreed exchange rate and the converted amount will be stated in the form.

2.2. For cash to cash Transfers to certain countries: (i) if the Transfer amount is stated in U.S. Dollars, and the Recipient’s Agent does not pay out in that currency, they will convert the money into the local currency using either their or MoneyGram’s standard exchange rate; (ii) if the money (whatever foreign currency it is sent in) is not collected within 45 days, the Recipient’s Agent may recalculate the converted amount at the time of collection, using their or MoneyGram’s standard exchange rate.

3. RESTRICTIONS ON TRANSFERS

There are limits on the amount you are able to send. The Agent will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator, or (c) it may be linked with fraudulent or illegal activity.

4. CANCELLING AND REFUNDING A TRANSFER

You do not have a right to cancel the Transfer. We may nevertheless be able to cancel it before the Recipient collects or receives the money. If you wish to cancel the Transfer and request a refund of the Transfer amount, you can ask an Agent or write to us enclosing a copy of your completed form. We aim to process such requests promptly but in any case, within 30 days.

5. EXPIRED TRANSFERS

If you ask us to make a Transfer to be collected in cash and the Transfer amount has not been collected within 90 days, we will treat the Transfer as no longer capable of execution (an “Expired Transfer”). We will have no obligation, after that 90-day period, to execute an Expired Transfer. If an Expired Transfer occurs, you will be entitled to a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected, please contact us to ask for a refund.

6. IDENTIFICATION AND PAY OUT FOR CASH-TO-CASH TRANSFERS

6.1. In order to collect the money and complete a Transfer, the following must be provided: (i) Identification; (ii) the recipient’s details from the form; (iii) the Sender’s name; (iv) the Transfer amount; and (v) the 8-digit reference number.

6.2. We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the Agent describing such person as the Receiver (even if such identification was false or forged) and provides a Reference Number. You must not give the details referred to in condition 6.1 to anyone other than your chosen Recipient. You must also do all you reasonably can to make sure no one else can obtain them – for example, by (i) not letting anyone see the form; (ii) not writing down the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient the reference number; and (c) not trusting a person (other than the Recipient) who tries to assure you it is safe to disclose some or all of those details to them.

7. ADDITIONAL CONDITIONS FOR CASH-TO-ACCOUNT TRANSFERS

7.1. We will send the money to the account you specify in the form. For information on when a payment will be credited to such an account, you need to contact the Recipient’s account provider.

7.2. The Recipient’s account provider may apply its own charges to the Transfer, which do not involve us.

7.3. If you ask us to send money to an account and the Transfer was not made properly or never arrived, we will promptly refund your money and our fee – unless we can show that the account provider received the money or that there was a mistake in the Recipient’s account details that you gave us.

8. SEPARATE ARRANGEMENTS

In addition to their offering of our Service, Agents may offer you their own products or services such as currency exchange. These additional products or services are separate and independent from the Service, are offered under the Agent’s own terms and conditions, and do not involve MoneyGram in any way. These additional products and services are likely to have their own fees associated with them.

9. OUR LIABILITY

9.1. We will not be liable to you if we break this Agreement due to: (i) abnormal and unforeseeable circumstances outside our control where we could not avoid breaking this Agreement despite all efforts to the contrary – this may include, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures; or (ii) our obligations under English or other applicable laws to which we may be subject to.

9.2. We are not liable to you for more than the amount of money you send and our fee. We will not be liable for any incidental, indirect, special or consequential losses or costs you suffer or, as this Agreement is made with you as a consumer, any business losses or costs (such as loss of business profits or opportunities).

9.3. Our Service is for persons 18 years and over and may not be used for escrow or trust or gambling purposes and may only be used for a lawful purpose. Please also read the fraud warnings on the form. If you ask us to pay someone who turns out to have defrauded you, or who fails to meet their obligations to you, we will not be liable as a result.

10. OTHER TERMS

10.1. We will report money transfers to any government authorities if we are required to do so by law.

10.2. The Transfer and use of our Service does not involve you or the Recipient having a “deposit” or an account with MoneyGram.

10.3. These conditions have been prepared, and will be executed, in the English language, which shall be the governing language for all purposes. In the event of any conflict between the English version of the Agreement and any translated version of the Agreement, the English version of the Agreement shall govern, and we will communicate with you in English.

11. DATA PRIVACY

11.1. This Notice applies to personal information MoneyGram collects about you and the recipient. The information we collect and use, depend on the product or service you have with us, including but not limited to contact information and identification information. We may share the information we collect from you with third parties, including affiliated companies, to process your transactions, market our products and services to you, detect and prevent fraud and other illegal activities, such as money laundering activities, or to cooperate with criminal or government investigations, in accordance with applicable laws. In addition, the personal information we collect may be transferred outside the country of collection for international transfers and for processing. For details on our privacy practices and your rights, please visit www.moneygram.com/privacy-notice.

11.2. To opt out of receiving marketing communication from us, you may: (i) click on the “unsubscribe” link at the bottom of the MoneyGram marketing email you’ve received; (ii) reply “MGISTOP” to a text or SMS message; or (iii) contact us at [email protected].

12. CONTACT DETAILS AND CUSTOMER SERVICE INFORMATION

We are committed to ensuring that you receive high quality service from us. In the event that you are dissatisfied with our Service or believe an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaint’s procedure or consumer protection advice, or to submit a complaint, you can:

• visit our website moneygram.com and submit the online form;
• write an email to [email protected]; or
• write to us at: MoneyGram, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673.

 

Schedule of Charges*

Product or Service	Transaction Fee
Account Monthy Fee	Free
Top Up of Wallet Account using Open Banking Service, per transaction	Free
Top Up of Wallet Account using Debit Card, per transaction	Free
Peer to Peer Transfers	Free
Remittance Transaction Fee	Free
Prepaid Cards Monthly Fee	Free

*Fees and Charges are subject to change without prior notification

Note:

1. Jingle Pay Wallet can be topped up with minimum balance of AED 50 and maximum balance in Wallet Account at any point in time cannot exceed AED 18,000.
2. The maximum transaction amount that can be utilized in a day is capped at AED 3,600 for all transactions combined.
3. Additional Fees, Charges or Taxes may be incurred for specific transactions, such as cross-border remittances, which will be shown at the time of transactions to review and proceed.

[1] Schedule of Charges are available at the end of the terms & conditions.