بيان الحقائق الأساسية -التحويلات المالية الدولية عبر شركة e& money

يمكنك الآن استخدام محفظة e& money الخاصة بك لتحويل الأموال إلى أكثر من 140 دولة في كافة انحاء العالم، بأفضل أسعار الصرف ورسوم تحويل منخفضة من خلال قنوات متعددة. يمكنك إرسال الأموال بواسطة التحويلات البنكية أو الحوالات النقدية أو تحويلات المحافظ الإلكترونية.

معلومات إضافية:

1.الخدمات الرقمية المالية ذ م م وهي الشركة التي تمتلك العلامة التجارية”e& money” مرخصون ومنظمون من قبل المصرف المركزي لدولة الإمارات العربية المتحدة لتقديم تسهيلات القيمة المخزنة وخدمات الدفع بالتجزئة.يجب قراءة الشروط  العامة (بما في ذلك أي مستندات ذات صلة) الخاصة بنا وسياسة الخصوصية والإمتثال لهما إلى جانب  بيان الحقائق الأساسية الماثل.

2. نحتفظ بالحق، وفقًا لتقديرنا المطلق، في تعديل أو حذف أو إلغاء أي من الشروط والأحكام الواردة في الشروط والأحكام العامة وبيان الحقائق الأساسية هذا في أي وقت وستتلقى إشعارًا مدته ستين (60) يومًا على الأقل قبل حدوث هذه التغييرات.

3. جميع المعلومات المقدمة من قبلنا هي لغرض اتخاذ قرارات واعية ومستنيرة فقط، ولا يمكن اعتبارها توصية أو نصيحة بأي شكل من الأشكال.  

4. يتعين عليك تقديم جميع المستندات التي قد نطلبها (بما في ذلك بطاقة الهوية الإماراتية) لإعداد محفظة  e& money الخاصة بك وإتمام طلب التحويلات الدولية على النحو الذي نراه مناسبًا.

5. تقع على عاتقك مسؤولية تزويدنا بمعلومات الاتصال الخاصة بك بما في ذلك رقم هاتفك المتحرك وعنوان بريدك الإلكتروني المحدثين وإخطارنا بأي تغييرات تطرأ عليها.

6. في حالة وجود أية استفسارات تتعلق ببيان الحقائق الأساسية، يُرجى التواصل معنا على support@eandmoney.com، أو الاتصال على الرقم 800 392 55 38.

بيان الحقائق الرئيسية -محفظة وبطاقة e& money

تُقدم لك e& money تجربة مميزة لإدارة واستقبال المدفوعات من خلال ربط محفظة وبطاقة e& money بحسابك الخاص بمحفظة e& money بحيث يمكنك إرسال واستقبال التحويلات المالية المحلية والدولية وتنفيذ عمليات الدفع والسداد في أي وقت عبر الهاتف المتحرك. كما يمكنك استخدام بطاقة e& money لشراء السلع والخدمات من المتاجر والمحلات التي تقبل بطاقات ماستركارد (داخل المتجر وعبر الإنترنت).

معلومات إضافية:

1. الخدمات الرقمية المالية ذ م م وهي الشركة التي تمتلك العلامة التجارية”e& money” مرخصون ومنظمون من قبل المصرف المركزي لدولة الإمارات العربية المتحدة لتقديم تسهيلات القيمة المخزنة وخدمات الدفع بالتجزئة. يجب قراءة الشروط العامة الخاصة بنا (بما في ذلك أي مستندات ذات صلة) وسياسة الخصوصية والامتثال لهما، إلى جانب بيان الحقائق الأساسية هذا.

2. نحتفظ بالحق، وفقًا لتقديرنا المطلق، في تعديل أو حذف أو إلغاء أي من الشروط والأحكام الواردة في الشروط العامة وبيان الحقائق الرئيسية هذا وجدول الرسوم في أي وقت، وستتلقى إشعارًا مدته ستين (60) يومًا على الأقل قبل حدوث هذه التغييرات.

3. جميع المعلومات المقدمة من قبلنا هي لغرض اتخاذ قرارات واعية ومستنيرة فقط، ولا يمكن اعتبارها توصية أو نصيحة بأي شكل من الأشكال.

4. يتعين عليك تقديم جميع المستندات التي قد نطلبها (بما في ذلك بطاقة الهوية الإماراتية) لإعداد محفظة  وبطاقة e& money الخاصة بك على النحو الذي نراه مناسبًا.

5. تقع على عاتقك مسؤولية تزويدنا بمعلومات الاتصال المحدَّثة الخاصة بك بما في ذلك رقم هاتفك المتحرك وعنوان بريدك الإلكتروني وإخطارنا بأي تغييرات تطرأ عليها.

6. في حالة وجود أية استفسارات تتعلق ببيان الحقائق الرئيسية الماثل، يُرجى التواصل معنا على support@eandmoney.com، أو الاتصال على الرقم 800 392 55 38.

tkeyfact 3

1.1 Welcome to e& money! Before you start using our payment related services (the "e& money services"), there is some important information that we are required by law to share with you. We have tried to keep this as simple as possible, however if you have any questions, please visit our FAQs or if the answer is not there, contact us via our Contact Page. 1.2 Please read these terms and conditions ("Terms") carefully as they define our relationship with you and govern your use of the e& money services. 1.3 When we refer to ourselves as "e& money" "we", "us" or "our", we mean Digital Financial Services LLC which is the company that owns the e& money trademark and operates the e& money services. Our registered address is at 27th Floor, Emirates Telecommunications Group Company building (Etisalat), Al Kifaf Community, Bur Dubai, Dubai and our company registration number is 815764. We are licensed and regulated by the UAE Central Bank to offer stored value facilities and retail payment services. 1.4These Terms apply to your use of: (a) the e& money services, which includes regulated financial services such as international money transfers, local transfers, payments for goods and services, bill payment, gifting and any other services that we may offer you from time to time; (b) the e& money mobile application (the "e& money App"); and (c) the e& money website (the "Website").

2 ACCEPTANCE OF THESE TERMS

2.1 To access the e& money services, you will need to download the e& money App and you are required to read and consent to our Privacy Policy and these Terms. You should download and keep a copy of the Privacy Policy and these Terms. 2.2 By installing, accessing, downloading or otherwise using the e& money services, the e& money App and/or the Website, you are agreeing to comply with and be bound by these Terms. If you do not agree to these Terms or our Privacy Policy, you must not use the e& money services, the e& money App or the Website. Restricted 2.3 We may revise these Terms or the e& money services from time to time by notifying you by e-mail, the e& money App or the Website. If our changes reduce your rights, or increase your responsibilities, we will notify you at least 60 calendar days before those changes take effect. Any other changes to these Terms will be effective at the time we notify you. 2.4 If you do not agree to any of our changes to the Terms, you must immediately stop using the e& services and close the account that you have with us (your "e& money account"). By continuing to use the e& money services after any changes to these Terms, you agree to abide by and be bound by those changes. 2.5 We may also ask you to agree and accept additional terms and conditions from time to time in connection with certain new services. We will provide you with such additional terms via email, the e& money App and/or the Website. 2.6 If you breach or violate any of the Terms, we have the right to disable your e& money account and block your access to the e& money services immediately and you will not be permitted to create another account, nor access the e& money services, without our permission.

3. YOUR E& MONEY ACCOUNT

3.1 In order to set up your e& money account, you will be asked to provide us with certain information in order for us to confirm your identity and your eligibility to receive the e& money services. To be eligible for an e& money account, you must be at least 18 years of age and a resident of the UAE. 3.2 You must provide us with any documentation we request to confirm your identity through the e& money App, including your Emirates ID, your phone number and a picture of your face. All information you provide to us must be valid, complete and upto-date, and you agree to immediately notify us in writing of any changes to such information. 3.3 We reserve the right reject your request for an e& money account, or place limits on which features, functionalities and/or facilities are available to you as part of the e& money services, including limits on your transactions. If this happens, we will notify you and provide you with our reasons for doing so, unless we are prevented by law from doing so. 3.4. You will also be asked to generate one or more unique PIN codes in order to access your e& money account and use the e& money services. You are solely responsible for maintaining the secrecy and security of your PIN code, and we are not responsible for any unauthorised use of your e& money account using your PIN code. 

4. HOW WE USE YOUR PERSONAL DATA

4.1 We will only process your personal data in accordance with applicable laws and our regulatory obligations. Please read our Privacy Policy to understand how and what data we collect and why we use it. 

5. USING YOUR E& MONEY ACCOUNT

5.1 Once your e& money account has been activated, you will be able to store, send and receive funds through the e& money App or through an e& money card which has been issued to you. This section describes the types of services that we offer through the e& money App. 

5.2 Funding your e& money account

5.1 Once your e& money account has been activated, you will be able to store, send and receive funds through the e& money App or through an e& money card which has been issued to you. This section describes the types of services that we offer through the e& money App. 5.2 Funding your e& money account
(a) There are a few ways that you can add funds to your e& money account, including: (i) with your debit or credit card; (ii) with your bank account; (iii) using a QR code at one of our agents; or (iv) by visiting certain kiosks. (b) You can find a step by step guide on how to top up your e& money account balance on our FAQ Page. (c) There are no minimum balances required on your e& money account. The currency applied to the e& money services will be UAE Dirhams. (d) When you add money to your e& money account, or we become aware of a payment being made to you, we immediately issue an equivalent amount of stored value to your account. When we receive the incoming payment or the money you have added, we place it in a dedicated client money account at a UAE commercial bank, in accordance with our regulatory obligations. This means your money is kept separate from ours, and it remains in this account until you pay it (for example, by withdrawing funds or making a payment or transfer). (e) We will send you notifications via SMS and/or email each time you carry out a transaction related to your e& money account or on your e& money card. You can download your detailed transaction history via the e& money App at any time, but you will not be provided with a printed statement. Our record of any transaction shall be final and binding. Restricted (f) Please note that the available balance on your e& money card may be different from the balance amount shown in the e& money App, due to pending transactions or other blocked amounts (being amounts transacted but not processed) relevant to your e& money card.

5.3 Linking or Unlinking Cards or Bank Accounts

(a) You can link or unlink certain debit and credit cards, or UAE bank accounts to your e& money account. Please keep your payment method information current, and if this information changes please update it accordingly. Before linking a payment method to your e& money account, you should review and understand the terms and conditions applicable to such payment methods from the relevant providers.

5.4 Local Transfers and Withdrawals

(a) You can instruct us to send and receive funds from your e& money account to other user accounts within the UAE. (b) All instructions for local transfers will be binding as of the moment we receive the instructions and cannot be withdrawn. In order to initiate a request for a local transfer, you may be asked to provide one or more of the following through the e& money App: (i) recipient IBAN number; (ii) recipient's UAE phone number; (iii) recipient's e-mail address; or (iv) a QR code. (c) In order for us to authorise an instruction for a local transfer, you must follow the on-screen instructions to confirm and submit the transfer. Such instructions may include an option for you to enter a one-time password (an "OTP"), a PIN code or biometric information to confirm and submit the transfer. (d) Local transfers will normally be processed within 1 business day of us receiving the instructions from you, however some local transfers may take longer depending on the receiving bank's processes. (e) Once the local transfer has been executed we will provide you with a confirmation via the e& money App and SMS and/ or email. (f) You can also withdraw funds from your e& money account in cash at certain agents as we determine from time to time

5.5 International Transfers

(a) You can instruct us to send funds to recipients located in certain countries outside the UAE. Such international transfers allow recipients to either collect the transfer in cash at one of our partner networks' designated locations ("to cash") or to receive the transfer into their bank account or virtual account ("to account"). (b) The international transfer service may be processed by third party agents, authorised delegates or other permitted entities within our network. On that basis, you may be required to review and accept additional terms and conditions which we will make you aware of via the e& money App prior to any applicable international transfer transaction. You hereby agree to us sharing the necessary information with such third parties for the purpose of processing your international transfer, in any event in accordance with our Privacy Policy. (c) You are solely responsible for ensuring that the information provided to us to execute the international transfer via the e& money App is valid, accurate and complete. We will use our best endeavours to validate the accuracy of the transfer instructions (for example through IBAN checks), however we will not be responsible for communicating any information about you or the transfer directly to recipients of the international transfers. Please ensure such details are kept safe and secure, and not disclosed to any other party other than the recipient. (d) You do not have a right to cancel an international transfer. We may nevertheless be able to cancel it before the international transfers recipient collects or receives the funds. If you wish to cancel the international transfer and request a refund for the amount of the transfer, you must contact us as soon as possible through our Contact Page or through a chat session made through the e& money App. We will try to process your request as promptly as possible, however we cannot guarantee that cancellation will be possible. Any fees paid by you in initiating the international transfer will not be returned in the event the cancellation request is successfully processed and the funds are returned to you. (e) For international transfers collected 'to cash', if the recipient has not collected the international transfer within 90 days of the transfer instruction, we will treat the transfer as expired and we will have no obligation to execute the international transfer. In such circumstances, you will be entitled to a refund of the amount of the expired international transfer to your e& money account. We aim to process refunds within 30 days of your request. Any fees paid by you in connection with the international transfer will not be refunded. (f) For international transfers collected 'to account', you will need to contact the recipient's account provider for any information regarding the processing time to credit the international transfer to their account. (g) All international transfers will be debited from your e& money account in AED and exchanged into the currency you selected when initiating the international transfer. We will apply the relevant currency conversion rate that applies at the time on the transfer and notify you of that rate prior to you consenting to the transfer. Please note that in Restricted the case of any refunds, the exchange rate may differ from the original rate used for the international transfer. (h) All related fees for international transfers are set out in our Schedule of Charges. You will be asked to consent to these prior to the execution of any international transfer. (i) Once the international transfer has been executed we will provide you with a transaction confirmation number via SMS, email and the e& money App. 

5.6 Third Party Merchants Purchases

(a) You can use your e& money account to initiate transactions with participating merchants to pay for goods and services by using an e& money card we have issued to you, using a QR code at the point of sale, entering your phone number online. (b) You agree and acknowledge that all third party merchant transactions are between you and the merchant and we will not be responsible for the supply of any goods and/ or services in respect of such transactions, including in relation to any malfunction thereof. (c) We are not a selling agent in connection with any sale by a third party merchant of goods and/ or services to any person. We have no control over or responsibility for the quality, fitness, safety, reliability, legality, or any other aspect of any goods or services that you may purchase using the e& money services.

5.7 Bill Payments

(a) You can pay your bills from any qualifying utility provider listed on the e& money App using your e& money account. We will send you a transaction success notification via the e& money App, SMS and/or email once the amount for the transaction has been debited from your e& money account, however it will be your responsibility to confirm the processing time for the transaction to be posted on your account with your utility provider. 

5.8 E-vouchers

(a) You can purchase certain third party e-vouchers via the e& money App. Once a transaction for an e-voucher from a third party provider has been successfully completed, we will send you the e-voucher code via SMS. (b) Your purchase and use of any third party e-voucher shall be subject to the terms and conditions provided by the third party provider, and such third party terms and conditions shall in no way act to modify or amend these Terms. (c) You agree to assume all risk and liability arising from your use of any purchased third party e-voucher, and you further agree that we are not responsible or liable for any issues arising out of your use of any such third party e-voucher, including any Restricted malfunction thereof. We are not liable to you or any third parties for and goods and/ or services provided to you by any third party providers.

6. E& MONEY CARDS

6.1 When you open your e& money account, we will issue you with a virtual card which you can use to make contactless and online payments using the balance in your e& money account. 6.2 You may also request a physical version of your card, which we may issue to you at our sole discretion. The virtual card and any physical card issued, shall together be referred to in these Terms as the "e& money card"). 6.3 Your physical card can additionally be used to make payments in person and access services at an ATM (or other locations we may notify you of from time to time). Your e& money card will be valid until the expiry date specified on the card or as stated in the e& money App (unless cancelled by you or us at an earlier date). Before your e& money card expires, we will automatically issue you with a replacement card. 6.4 There is no charge for issuing your virtual card, however we may charge you certain fees in relation to your physical card, including if you damage it and require a new one. Information on our fees is set out in our Schedule of Charges. 6.5 You will be required to authorise payments on your e& money card by using a PIN code or such other security measure as we may notify to you from time to time. Where contactless or online payments are available, you may also be permitted to authorize a transaction by touching your card at a payment terminal or authorising your payment via SMS or App confirmation. We cannot cancel or stop a transaction once it has been authorised. 6.6 Please note, an e& money card is not a credit card. You can therefore only make purchases up to the total amount held in your e& money account. You are solely responsible for ensuring that sufficient funds are available for any transaction. If, for any reason whatsoever, you do not have available funds in your e& money account, the transaction will be declined. 6.7You agree and acknowledge that: (a) the e& money card may not operate in some countries and may not be accepted at some merchant locations which are not in compliance with our internal policies; and (b) if you make a purchase or withdrawal using your e& money card in a different currency than AED, we will apply the prevailing currency conversion rate that applies at the time of the transaction. 6.8 You can cancel your e& money card at any time via the e& money App or by contacting us via the Contact Page.

7. ACCOUNT LIMITS

7.1 For all e& money services, we reserve the right to impose limits on the value of transactions you may carry out in respect of single transactions, cumulative transactions over a specified period of time, or other aspects of the e& money services 7.2 All limits applicable to the e& money services are available on the e& money App and on the Website. You hereby agree and acknowledge that you have reviewed the limits applicable to your e& money account.

8. DELAYS, REFUSALS AND BLOCKING YOUR E& MONEY ACCOUNT

8.1 We review account and transaction activity in relation to the e& money services for suspicious or illegal activity in accordance with our regulatory requirements. 8.2 For all e& money services, we reserve the right to delay and investigate the execution of a transaction (including placing any funds on hold) where: (a) you have not provided the information required to execute the transaction and/or any additional information we have requested about the transaction; (b) you fail to authorise the transaction in accordance with any request to do so; (c) if applicable laws prohibits the transaction from being executed; (d) if we believe or suspect that a transaction may be fraudulent or relate to any other criminal activity; (e) you have breached these Terms in any manner, or the carrying out of the transaction would result in such a breach; and (f) if a third party prevents us from making the payment (for example, one of the payment systems we are required to use for the transaction). 8.3 Following any investigation, we reserve the right to seize funds to comply with a court order, instruction from the UAE Central Bank and/or other legal process; and/or reverse a transaction (i.e. return funds to another user account trying to send you a transfer). 8.4 We reserve the right to immediately block your e& money account, your e& money card and/or any e& money services in instances where: (a) we have been instructed to do by the UAE Central Bank or in accordance with applicable laws; (b) to comply with a court order; (c) to recover amounts owed to us by you in relation to unpaid fees; Restricted (d) there is evidence that you have acted dishonestly, fraudulently, or have been convicted of a crime; or (e) there is evidence that you have died. 8.5 In the event we block your e& money account or access to any of the e& money services for the reasons listed above, we will, as far as legally permissible, notify you within 24 hours and explain any corrective actions you are required to take. 

9. ERRORS AND INCORRECTLY EXECUTED TRANSACTIONS

9.1 We will not be liable for any loss or costs you may suffer as a result of us acting on your instructions. 9.2 In instances where we have failed to execute a transaction following your instructions or have incorrectly executed a transaction, or for any other error for which we are solely responsible, you shall have the right to claim an immediate refund from us of the respective transaction amount without any deductions being made from the transaction amount. We will also refund you any respective service fee for the related transaction (as applicable). 9.3 If we become aware of any error or omission resulting in an unexecuted or incorrectly executed transaction, we will notify you within 10 business days to advise you of the matter and steps to be taken for corrective action, including the amount to be refunded to you. 9.4 Upon the conclusion of our investigation into any error or omission in accordance with section 9.3 above, we will pay you any refund due within 7 business days of such conclusion.

10. REFUNDS 

10.1 When you make a purchase using your e& money account and/or your e& money card and the transaction is ultimately refunded, the payment will be refunded to the same payment method you used for the transaction. Refunds to your e& money account will generally be processed within 1 business day. Refunds to the e& money card will generally be processed within 30 days, however in certain instances the refund may take up to 120 days.

11 ACCOUNT SECURITY AND UNAUTHORISED TRANSACTIONS

11.1 You must take all reasonable precautions to keep your device, your e& money account, your e& money card and any security information relevant to your e& money account (including PIN codes, log in details and passwords) safe and secure to prevent fraud or misuse of them. 11.2 If your e& money card or e& money account login details are lost or stolen, or if you suspect that someone else knows your login details or your verified mobile number Restricted and/or e-mail are compromised, or if you believe that your e& money account has been hacked, compromised or breached in any way, you must contact us immediately via our Contact Page. If you can, you should also freeze your e& money card using the e& money App. If you later realise there is no security risk to your e& money card, you can unfreeze it. 11.3 If you suspect there has been an unauthorized transaction from your e& money account or your e& money card, or if there is a transaction on your statement which you do not recognize or which you think is incorrect, you must contact us immediately via our Contact Page, and no later than 30 business days from the date of the transaction. We will investigate the matter and inform you of your options to mitigate any further risks of further unauthorized activity on your e& money account. 11.4 Subject to section 11.5 below and the findings of our investigation, you will have the right to a refund of the full amount of the unauthorized transaction within 30 business days such unauthorized transaction was first reported to us or identified by us. 11.5 If our investigation shows that you have acted fraudulently or with gross negligence, or if you have intentionally or due to gross negligence breached one or several of your obligations regarding keeping your e& money account safe and secure as stipulated in this section 11, you will be fully liable for any resulting unauthorized transactions and we reserve our rights to take any further action as prescribed under these Terms. 11.6 You have the right to refer the findings of our investigation to our customer complaints team in accordance with section 23 (complaints) of these Terms. 11.7 If we identify any unauthorized transactions on your e& money account which we do not deem to require an investigation, we will issue you a refund on the next business day.

12 SCHEDULE OF CHARGES

12.1 You may be charged a fee for using certain of our e& money services. Information on our fees is set out in our Schedule of Charges.

13 REWARDS BY E& MONEY

13.1 We may offer a cashback loyalty program called 'Rewards by e& money' on certain purchases that you make via the e& money App. For full details of our loyalty program please visit the Rewards section of the e& money app or our Rewards by e& money FAQs.

13.2 Rewards by e& money is offered at our sole discretion and we reserve the right to modify or vary Rewards by e& money, or discontinue Rewards by e& money, at any time.

14. CONTENT OF THE E& MONEY APP AND THE WEBSITE

14.1 All rights, including intellectual property rights, in any content or data in e& money services, the e& money App and/ or the Website (including any content that you may submit to the e& money App or the Website) is the exclusive property of e& money and its licensors. Certain other product or service names, brand names and company names may be trademarks of their respective owners. 14.2 In order to provide you with certain e& money services we may include links to other third party service providers' websites and content. We are not responsible for the content of such third parties' websites. 14.3 We do not guarantee that the e& money App and/ or the Website will be free from errors or omissions. If you notice any errors, please inform us via our Contact Page.

15 LICENSE AND RIGHT TO USE

15.1 You may use the e& money services, the e& money App and the Website in order to access and use the e& money services. 15.2 You may not use the e& money services, the e& money App and/ or the Website for any other purpose that is not specified in these Terms. 15.3 If you breach the terms of this section 15 and/ or section 16 (restrictions on use) this may result in your e& money account being terminated, as well as you being potentially liable for infringement of our intellectual property rights.

16 RESTRICTIONS ON USE

16.1 You agree not to reproduce, duplicate, copy, imitate or re-sell all or any part of the e& money services, the e& money App and/ or the Website and any content thereon, without our express prior written consent. 16.2 You may not use the e& money services, the e& money App and/ or the Website: (a) to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware; (b) to access or purchase goods from adult or gambling locations or websites, or for any other unlawful activity or other restricted merchants as applicable; (c) in any way that breaches any applicable local, national or international law or regulation; and/or (d) in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose Restricted or effect.

17 DISCLAIMER

17.1 To the extent permitted by applicable laws: (a) we provide the e& money services, the e& money App and the Website, and any content on the e& money App and the Website on an "as is" and "as available" basis; (b) we do not make any guarantees or warranties (express or implied) that the information provided by us is accurate, complete, or useful, that the e& money services, the e& money App and the Website will be operational, free from errors, secure, safe or that the Services, e& money App and/ or Website will function without disruptions, delays or imperfections; (c) we shall not be held liable or responsible for any matter or issue arising out of or in connection with your use of the e& money services, the e& money App and/ or the Website; and (d) we are not responsible for how you use the e& money services or that the e& money services will meet your needs.

18 LIABILITY, AND INDEMNITIES

18.1 Unless stated otherwise in these Terms, or as a result of our gross negligence or fraud, to the fullest extent permitted by applicable law, we exclude all liability to you for any: (a) consequential, indirect or special losses or damages; (c) loss of profits, loss of business or loss of business opportunity; (c) loss as a result of any failed payment due to insufficient funds in your e& money account; (d) losses incurred as a result of abnormal or unforeseeable circumstances outside our reasonable control, including delays or failures caused by problems of another system or network, mechanical breakdown, industrial action or a pandemic; (e) losses incurred where a law, or guidance or instruction from an governmental authority, requires us to take action, for example to terminate these Terms and close your e& money account; or (f) any other loss or damage to the extent that such loss or damage is caused or contributed to by you, or is a result of the failure by you to comply with these Terms. Restricted 18.2 To the fullest extent permitted by applicable law, and subject to section 18.1 above, our total liability to you under or in connection with these Terms in connection with a particular transaction shall be limited to the value of that transaction. 18.3 To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless e& money from and against all liabilities, damages, losses, and costs (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with (a) your access to or use of the e& money services, the e& money App and/or Website; (b) your breach of our Terms; or (c) any misrepresentation made by you.

19 TERMINATION AND CLOSING YOUR E& MONEY ACCOUNT

19.1 We reserve the right, at any time and for any reason, to close your e& money account by providing you with at least 60 calendar days' notice prior to such closure. Such notice may be provided via SMS, email, the e& money App. 19.2 You may close your e& money account at any time, and for any reason, by contacting us via our Contact Page .We will issue you with a final closing account statement within 7 business days of receiving your request. 19.3 These Terms will automatically terminate once your e& money account has been closed. 19.4 Following the closure of your e& money account: (a) you will be provided with written confirmation that your e& money account has been closed; (b) you are responsible for deleting the e& money App from your computer and mobile devices and cancelling all payments in and out of your e& money account; and (c) if there are any funds remaining in your e& money account, you will be required to transfer such funds to an account with another bank account. This can be done by notifying us via our Contact Page and requesting a money transfer to another bank account. 19.5 If you want to close your e& money account but still owe us money, we reserve the right to keep your e& money account open and follow our money collection procedures to recover such amounts. 19.6 If you lose access to your mobile phone, e& money account and/if the mobile number is assigned to another user, we will move your e& money account to a suspended status. You will have the right at any time to reclaim your e& money account and all the stored value that was in your wallet by physically presenting yourself to an e& money centre with your valid (a) original emirates ID and a valid mobile number to reclaim your e& money account. In this case you may: Restricted (a) register a new e& money account, retrieve your old e& money account and continue to enjoy e& money services; or (b) register a new e& money account, retrieve your old e& money account, redeem the remaining stored value and terminate the e& money services. 19.7 We will consider your e& money account as dormant if you do not conduct any transactions on your account for a period of 3 years or a period as specified by e& money in accordance with applicable laws. We will notify you if we consider your account has become dormant, and we may reject transactions and/or restrict access to the account whilst it is dormant. In certain circumstances, we may be required by law to transfer any funds remaining in your dormant account to the dormant account ledger maintained by us or by the UAE Central Bank. The UAE Central Bank assumes no responsibility to you as a result of the transfer of funds to the dormant account ledger. If you wish to reactivate your dormant account or claim any funds held within the account, you must contact us through the e& money App, by email at support@eandmoney.com, or by calling us on 800 392 55 38.

20 COOLING-OFF PERIOD

20.1 In addition to your rights to close your e& money account pursuant to section 19 (termination/ closing your e& money account), you also have a right to close your e& money account and terminate these Terms by notifying us within a period of 5 business days from the date that you agreed to these Terms. You can notify us via our Contact Page .

21 GENERAL

21.1 These Terms, as amended from time to time in accordance with the provisions contained herein, together with any other documents referenced or linked to these Terms (including but not limited to the Privacy Policy make up the entire agreement between you and e& money regarding your use of the e& money services, the e& money App and/ or Website. 21.2 Our delay or failure to act following any breach by you of these Terms, shall not prevent us from being able to exercise our rights or remedies at a later date. Any attempt by you to waive any of these Terms is not permitted without our prior written consent. 21.3 We may assign, novate or otherwise transfer any or all of our rights and obligations under these Terms to a third party without your consent. You may not assign, novate or otherwise transfer any of your rights and obligations under these Terms to a third party. 21.4 These Terms do not give any third party any rights which means they are only enforceable by you and us. Restricted 21.5 If any provision of these Terms is deemed illegal or unenforceable, then that provision shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions. 21.6 Any notice you are required to give us under these Terms should be sent to our Contact Page Any notice we are required to give to you may be sent to you via an outbound call, the e& money App, our Website and/or to the email address or mobile number linked to your e& money account. 21.7 You will comply with all applicable laws and regulations with respect to the e& money services in the UAE and in the country of use.

22 LANGUAGE

22.1 These Terms are available in both English and Arabic. In the event of any conflicts or differing interpretations between the English version of these Terms and the Arabic version of these Terms, the English version of the Terms shall prevail.

23 COMPLAINTS

23.1 You can raise a complaint by contacting our customer care line through a live chat session made through the e& money App, by email at support@eandmoney.com, or by calling us on 800 392 55 38.

23.2 One of our customer care agents will ask you some questions about your e& money account in order to verify your identity. Once you have been verified, our customer care agent will do their best to resolve your complaint using our e& money troubleshooting knowledge base. 23.3 If your complaint cannot be resolved by our customer care agent, your complaint will be referred to our operations team to provide further support. We will endeavour to address all complaints within 5 business days, however this could take longer depending on the nature of the complaint.

24 GOVERNING LAW AND JURISDICTION

24.1 These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates and the courts of the United Arab Emirates shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

إشعار الخصوصية - money& e

تلتزم money& e بحماية بياناتك الشخصية التي تجمعها. ويحدد إشعار الخصوصية الماثل النهج الذي تتبعه شركة

الخدمات الرقمية المالية ذ م م )يشار إليها فيما بعد بلفظ "money& e "أو "نحن" أو "لنا" أو "لدينا "( في جمع معلوماتك

الشخصية وتخزينها واإلفصاح عنها و معالجتها. ي نطبق إشعار الخصوصية هذا على كافة المعلومات الشخصية التي نجمعها

عنك )"المستخدم" أو "العميل"( عند استخدامك لموقعنا اإللكتروني ) com.eandmoney.www )و/أو تطبيق money& e

ً عبر الهاتف المحمول )"تطبيق money& e( )"يشار إليهما ا

مع بعبارة "القنوات الرقمية"( والخدمات االخرى ذات الصلة

المق دمة من خالل القنوات الرقمية )"الخدمات"(.

يرجى قراءة إشعار الخصوصية هذا بعناية ا إلى جنب مع

ً

جنب شروط وأحكام money& e"( الشروط واألحكام"(. قبل

استخدام خدماتنا، يتعين عليك تحميل تطبيق money& e ومن ثم قراءة وقبول الشروط واألحكام وإشعار الخصوصية

لدينا. يرجى تنزيل نسخة من الشروط واألحكام وإشعار الخصوصية الماثل واالحتفاظ به ما في حال احتجت إلى الرجوع

إليهم

ا في المستقبل. إن ستخدامك لخدماتنا، يعني أنك توافق على جمع و معالجة

ً

معلوماتك الشخصية وفقا إلشعار

الخصوصية والشروط واألحكام الخاصة بنا.

يرجى مالحظة بأننا قد نقوم بإج ارء تعديالت لمحتوى إشعار الخصوصية في أي وقت. يرجى منك مراجعة إشعار الخصوصية

بصورة دورية لالطالع على أية تحديثات قد تطرأ عليه. يمكنك االطالع على إشعار الخصوصية هنا. إلى الحد الذي يسمح

قبوًال لهذه به القانون المعمول به، تعتبر زيارتك المتواصلة لقنواتنا الرقمية واستخدامك لخدماتنا بعد إجراء أي تغيير منك

التغييرات.

.1 المعلومات التي نجمعها

1.1 المعلومات التي تقدمها لنا طواعية

نقوم بجمع المعلومات الشخصية التي ترغب بمشاركتها معنا أثناء استخدام الخدمات بالطرق التالية:

)أ( عند التسجيل في تطبيق money& e الخاص بنا. سنقوم بجمع معلومات شخصية مثل: االسم والجنس والعمر وتاريخ

الميالد والجنسية ونسخة من بطاقة الهوية اإلماراتية ورقم الهاتف المتحرك وعنوان السكن وعنوان البريد اإللكتروني. نقوم

ًض

أي ا بجمع البيانات البيومترية من خالل الهوية وصور "السيلفي" المباشرة ألغراض التحقق من الهوية والتعرف على الوجه

وذلك بعد الحصول على موافقتك الصريحة.

)ب( أثناء التفاعل مع خدماتنا. قد نقوم بجمع المعلومات الشخصية وغير الشخصية المتعلقة بالمعامالت المالية التي تقوم

ًض

بها أثناء استخدامك لخدماتنا، مثل اسم المستلم واسمك والمبالغ التي ترسلها أو تطلبها ورصيد حسابك. قد نقوم أي ا بجمع

معلوماتك المالية، مثل رقم حسابك المصرفي ومعلومات بطاقة االئتمان وبطاقة الخصم والمعلومات المالية األخرى ذات

الصلة.

)ج( عنداالتصال بنا للحصول على خدمة العمالء )على سبيل المثال عبر صفحة التواصل الخاصة بنا(، سنقوم بجمع

ًض معلومات مثل: اسمك وعنوان بريدك اإللكتروني ورقم هاتفك المحمول المسجل لدى money& e، و

قد نحتفظ أي ا بمعلومات

تتعلق ب مشاركتك في خدمات الدعم الخاصة بنا .

)د( أثناء المشاركة في استبيانات مستوى رضا العمالء/المالحظات. قد نقوم بجمع المعلومات الشخصية مثل اسمك

ومالحظاتك و إجاباتك عن االستبيانات.

ً 1.2 ا

المعلومات التي يتم جمعها تلقائي

)أ( معلومات حول األجهزة التي تستخدمها عند زيارة قنواتنا اإللكترونية، قد نجمع معلومات حول الجهاز الذي قد تستخدمه

للوصول إلى قنواتنا الرقمية، بما في ذلك المعلومات الفنية مثل عنوان بروتوكول اإلنترنت )IP )ونوع المتصفح ونظام التشغيل

وإصداره ومعلومات حول شبكة الهاتف المحمول ومعرفات األجهزة الفريدة األخرى.

ً )ب( ملفات تعريف االرتباط والتقنيات األخرى. قد نستخدم ملفات تعريف االرتباط أو أنواع أخرى مماثلة من التقنيات

اعتمادا

إلى الهاتف المتحرك أو الموقع اإللكتروني. و قد نجمع بعض المعلومات الشخصية وغير الشخصية

ً

يناء على تفضيالت

المتصفح أو الجهاز الخاص بك، بما في ذلك أنماط وإجراءات تصفح الموقع اإللكتروني واستخدام التطبيق والبيانات التحليلية

األخرى.

ملفات تعريف االرتباط هي بيانات يرسلها موقع إلكتروني ليتم تخزينها على متصفح الويب الخاص بمستخدم الموقع

اإللكتروني. يمكنك رفض أنواع معينة من ملفات تعريف االرتباط )عن طريق تعديل تفضيالتك ضمن متصفح اإلنترنت

الخاص بك(. ويمكن تصنيف أنواع ملفات تعريف االرتباط و التقنيات المشابهة األخرى المستخدمة على قنواتنا الرقمية على

النحو التالي:

)1( ملفات تعريف االرتباط الدائمة: نستخدم ملفات تعريف االرتباط الدائمة للتذكير بالخيارات المفضلة لديك عند زيارة قنواتنا

الرقمية. على سبيل المثال، يقوم ملف تعريف االرتباط الدائم بحفظ تفضيالتك )مثل اختيار اللغة( وبيانات تسجيل الدخول

الى الموقع اإللكتروني.

)2( معلومات السجل

ً

: عند استخدامك لتطبيقنا، هناك معلومات محددة يتم جمعها تلقائيا في سجالت الخادم، بما في ذلك

كيفية استخدامك لتطبيقنا وعنوان بروتوكول اإلنترنت )IP )الخاص بك والمعلومات الخاصة بالجهاز )مثل األعطال ونظام

التشغيل وإعدادات الجهاز ونوع متصفح اإلنترنت( والتاريخ والوقت الذي تزو ر فيه الموقع وعنوان موقع البحث الذي ارتبطت

من خالله بموقعنا )URL ).

)3( معلومات االستخدام: يتضمن ذلك بيانات حول كيفية تفاعلك مع تطبيقنا، مثل الميزات التي تستخدمها، وعدد مرات

االستخدام، ومدة االستخدام.

)4( بيانات األداء: تتضمن معلومات حول أداء تطبيقنا على جهازك، مثل وقت االستجابة للصفحات واألعطال والمشكالت

الفنية األخرى.

يرجى العلم أنه في حال رفضت ملفات تعريف ارتباط معينة، قد ال تتمكن من استخدام أو تفعيل بعض الميزات في قنواتنا

الرقمية.

1.3 المعلومات التي نجمعها من مصادر أخرى

)أ( قد نقوم بجمع معلومات ك الشخصية من مصادر أخرى، مثل شركات مجموعة &e أو أطراف ثالثة بما في ذلك مزودي

خدمات المدفوعات والبنوك ومقدمي خدمات التحليالت ومقدمي خدمات التحقق من الهوية وشركاء التسويق واإلعالن )مثل

ًض

شبكات التواصل االجتماعي(. قد نتلقى أي ا معلومات من المتاجر الخاصة بنا )على سبيل المثال، عندما تستخدم قنواتنا

الرقمية إلج ارء عمليات ش ارء، فقد نتلقى معلومات حول هذه المعامالت من التجار الذين تتسوق منهم(. لن نستخدم هذه

المعلومات إ بعد التأكد من حصول هذه األط ارف الثالثة على موافقتك الصريحة، أو بالحد الذي يسمح لها القانون بالكشف ال

عن معلوماتك الشخصية لنا.

)ب(. ا بتقديمها. و

ً

بعض المعلومات الشخصية التي قد نطلبها منك هي اختيارية ولست ملزم لكن في حال كانت تلك

المعلومات ضرورية لتقديم الخدمات واخترت عدم تزويدنا بها، فقد ال تتمكن من الوصول إلى أجزاء معينة من قنواتنا الرقمية

و/أو قد ال تتمكن money& e من تزويدك بالخدمة أو أي جزء منها.

.2 كيف نستخدم معلوماتك الشخصية؟

2.1 سنستخدم معلوماتك الشخصية فقط لألغراض الموضحة في إشعار الخصوصية هذا. لن نستخدم معلوماتك الشخصية

لغرض آخر ما لم يسمح بذلك القانون المعمول به.

2.2 ا، قد

ً

وعموم نستخدم معلوماتك الشخصية لألغراض التالية:

)أ( توفير الخدمات التي تطلبها، بما في ذلك.

)1( إدارة حساب money& e الخاص بك والتحقق منه،

)2( معالجة معامالتك، بما في ذلك إرسال أو استقبال األموال، أو إضافة مبالغ إلى حساب money& e الخاص

بك، أو تسديد فاتورة معينة؛ و

)3( التواصل معك بشأن حساب money& e الخاص بك أو تفاعالتك أو معامالتك، بما في ذلك الرسائل النصية

المتعلقة بالخدمة مثل التغييرات التي تطرأ على سياساتنا؛

)ب( تحليل استخدام الخدمات وتحسين محتو اها ووظائفها وقابليتها لالستخدام، وتعزيز تجربة المستخدم، وتحسين أعمالنا

)على سبيل المثال، نقوم بتحليل أنماط سلوك المستخدم وإجراء أبحاث حول طريقة استخدام العمالء لخدماتنا(؛

)ج( التحقق مما إذا كنت أحد عمالء Group& e الحاليين؛

)د( تقييم مدى مالءمتك لمنتج أو خدمة. على سبيل المثال، قد نقوم بمعالجة معلوماتك الشخصية لتقييم ما إذا كان المنتج

أو الخدمة المقدمة من خالل القنوات الرقمية مناسبة لك.

)ه( توجيه الدعوة إليك إلبداء مالحظاتك؛

)و( التواصل معك ا

اعتماد على تفضيالتك التسويقية بشأن العروض الخاصة والمعلومات الترويجية والمحتوى والمنشو ارت ً

والمعلومات األخرى التي نعتقد أنها تهمك عبر البريد العادي والبريد اإللكتروني والهاتف و/أو الرسائل النصية. يمكنك إلغاء

االشتراك في هذه المراسالت في أي وقت. يرجى االطالع على القسم 2.4 "الرسائل التسويقية" بشأن كيفية االتصال بنا.

)ز( تخصيص تجربتك و تقديم اإلعالنات و نوع المحتوى التي تتناسب مع تفضيالتك واهتماماتك و أنماط التصفح وعمليات

الشراء الخاصة بك؛

)ح( االمتثال اللتزاماتنا القانونية، بما في ذلك تلبية المتطلبات القانونية الخاصة بنا، بما في ذلك إجراءات التحقق من العميل

ًال للقوانين والل وائح الخاصة بمكافحة غسيل األموال؛

)اعرف عميلك( وذلك امتثا

)ط( الكشف عن األنشطة االحتيالية أو غير القانونية والتحقيق فيها ومنعها؛

)ي( اتخاذ اإلجراءات المناسبة للدفاع عن حقوقنا القانونية عند الضرورة، بما في ذلك إنفاذ الشروط واألحكام الخاصة بنا،

وسياسات واتفاقيات االستخدام األخرى، أو المشاركة في أية مسائل قانونية أخرى؛

)ك( فحص المعامالت أو منع أو اتخاذ أي إجراءات ضد المعامالت غير القانونية أو االحتيال، بما في ذلك تحديد وتحييد

الهاكرز أو المستخدمين غير المصرح لهم؛

)ل( إدارة المخاطر وحماية القنوات الرقمية والخدمات المقدمة وحمياتك من األنشطة االحتيالية من خالل التحقق من هويتك؛

و/أو

)م( معالجة الطلبات الواردة منك، على سبيل المثال لالتصال بك بشأن سؤال أو شكوى قدمتها إلى فريق خدمة العمالء لدينا

أو لحل أي مشكالت محتملة قد تواجهك على قنواتنا الرقمية.

2.3 بيانات الموقع

ً قد نقوم بجمع معلومات بشأن موقعك لتوفير الخدمات المتعلقة ا على إعدادات جهازك. يمكنك

بالموقع وتحسينها وذلك اعتماد

تعطيل الخدمات المتعلقة بمشاركة المعلومات حول موقعك في أي وقت من خالل إعدادات نظام تشغيل جهازك .

2.4 الرسائل التسويقية

كما هو موضح في إشعار الخصوصية هذا ، قد نتواصل معك عن طريق البريد اإللكتروني والبريد العادي والهاتف والرسائل

القصيرة بغرض إطالعك على المنتجات والخدمات والعروض الترويجية التي قد تهمك. ويمكنك إلغاء االشتراك في أي من

هذه الرسائل باتباع اإلرشادات الموجودة أسفل رسائل البريد اإللكتروني التي يتم إرسالها إليك. وإللغاء االشتراك في جميع

الرسائل التسويقية األخرى، يرجى الكتابة إلينا باستخدام بيانات االتصال الخاصة بنا الواردة في الفقرة .10

.3 األساس القانوني الستخدام معلوماتك الشخصية

1.3 يعتمد أساسنا القانوني لجمع واستخدام معلوماتك الشخصية كما هو موضح في إشعار الخصوصية الماثل على

المعلومات الشخصية ذات الصلة والغرض المحدد الذي نعالجها من أجله. سنلتزم بجميع تشريعات حماية البيانات المعمول

بها.

ً

وبشكل عام، نقوم بجمع ومعالجة معلوماتك الشخصية استنادا إلى واحد أو أكثر من األسس القانونية التالية:

)أ( الموافقة: سنطلب موافقتك الصريحة على استخدام معلوماتك الشخصية ألغراض معينة؛

ً )ب( تنفيذ العقد: نحتاج إلى معالجة معلوماتك الشخصية من أجل توفير

الخدمات وأداء الت ازماتنا وفقا لشروطنا؛

)ج( االلتزام القانوني: لدينا التزام قانوني بضمان امتثالنا لجميع المتطلبات القانونية والتنظيمية داخل دولة اإلمارات العربية

المتحدة )بما في ذلك المتطلبات المتعلقة بمبدأ اعرف عميلك و مكافحة غسيل األموال(. قد تتطلب منا هذه االلتزامات جمع

معلوماتك الشخصية وتخزينها وأحيانا مشاركتها مع جهات أخرى، مثل الهيئات العامة أو وكاالت اإلنفاذ الحكومية؛

)د( المطالبات القانونية: قد نحتاج إلى معالجة معلوماتك الشخصية بالقدر الالزم لممارسة المطالبات القانونية الفعلية أو

المتوقعة أو التحضير واإلعداد لها أو الدفاع عنها.

.4 اإلفصاح عن معلوماتك الشخصية

4.1 يجوز لنا مشاركة معلوماتك الشخصية مع الشركات التابعة لنا أو مزودي الخدمة أو األطراف الثالثة األخرى حيثما

يكون من الضروري تنفيذ الشروط واألحكام وكما هو موضح في إشعار الخصوصية هذ ا. وقد نشارك معلوماتك على وجه

الخصوص مع:

)أ( الشركات التابعة. قد نشارك معلوماتك الشخصية مع الشركات التابعة لنا، وفي هذه الحالة سنطلب من تلك الشركات

االلتزام بإشعار الخصوصية هذا. وهذا يشمل شركتنا األم (&e (، وأي شركات تابعة/ فرعية أو شركاء المشاريع المشتركة

أو شركات أخرى نسيطر عليها أو تخضع لسيطرة مشتركة معنا.

)ب( المؤسسات المالية. قد نشارك معلوماتك الشخصية مع مؤسسات أو شركات مالية أخرى في قطاع الخدمات المالية

لتسهيل المعامالت المتعلقة بالمدفوعات ومعالجة بطاقات المدفوعات .

)ج( األطراف الثالثة. يجوز لنا مشاركة معلوماتك الشخصية مع أطراف ثالثة فقط في حالة تقديم موافقتك الصريحة على

ا. على سبيل المثال، قد نشارك معلوماتك الشخصية مع طرف ثالث يقدم منتجات أو خدمات

ً

ذلك أو كما هو مسموح به قانون

عبر قنواتنا الرقمية،

ً

علما بأن لدى هذه األطراف إشعارات الخصوصية الخاصة بها وال تتحمل Money& e المسؤولية

عنها.

)د( التغييرات بشأن الشركات/ األعمال. يجوز لنا مشاركة أو نقل معلوماتك الشخصية أثناء المفاوضات بشأن أي اندماج

أو بيع أصول الشركة أو االستحواذ على كل أو جزء من أعمالنا من قبل شركة أخرى

)ه( مقدمي الخدمات. قد نشارك معلوماتك الشخصية مع مزودي الخدمة الموثوق بهم وموظفيهم المصرح لهم الذين يقدمون

خدمات لــــ money& e بما في ذلك االستضافة السحابية والتخزين وموفري خدمات المدفوعات ومقدمي خدمات األمان

و الخدمات األخرى ذات الصلة.

)و( المستشار ين الفنيين. قد نشارك معلوماتك الشخصية مع مستشارينا، بما في ذلك المحامين و الخبراء المصرفيين ومدققي

الحسابات المقيمين في دولة اإلما ارت العربية المتحدة الذين يقدمون لنا الخدمات القانونية والمصرفية والمحاسبية .

)ز( السلطات الحكومية والتنظيمية و الهيئات التنفيذية. قد نشارك معلوماتك الشخصية إذا اعتقدنا أنه من الضروري بشكل

معقول القيام بذلك ألسباب قانونية، بما في ذلك تلبية متطلبات القوانين االتحادية أو المحلية أو الحكومية أو التنظيمية.

4.2 قد نقوم بمشاركة معلوماتك الشخصية مع مزودي الخدمة طالما وافقت هذه األطراف على الحفاظ على سرية هذه

ا لقوانين ولوائح حماية البيانات المعمول بها.

ً

المعلومات والتعامل معها وفق و عندما يقوم مزودي الخدمة بمعالجة معلوماتك

ُسمح ل

الشخصية، ي م ا لتعليماتنا.

ً

فقط بذلك وفق

.5 نقل المعلومات الشخصية إلى الخارج

نحتفظ بالحق في مشاركة معلوماتك الشخصية مع مقدمي خدمات تابعين لجهات خارجية كما هو موضح في القسم 4 أعاله.

فقد نحتاج إلى نقل معلوماتك الشخصية إلى مكان خارج دولة اإلمارات العربية المتحدة ألسباب مختلفة، بما في ذلك معالجة

فئات معينة من المعامالت )على سبيل المثال، عندما ترسل األموال إلى طرف آخر خارج اإلمارات ( .

ُ سنقوم فقط بنقل معلوماتك الشخصية إلى خارج دولة اإلمارات العربية المتحدة

ًقا لما تقتضيه جميع

حيث يسمح لنا بذلك و وف

القوانين المعمول بها.

.6 روابط األطر ا ف الخارجية

قد تحتوي قنواتنا الرقمية على روابط لمواقع تابعة ألطر اف خارجية. وقد يكون لهذه المواقع إشعارات الخصوصية وممارسات

جمع البيانات الخاصة بها. نحن ال نتحكم في مواقع األطراف الخارجية ولسنا مسؤولين عن ممارساتهم.

.7 االحتفاظ بالمعلومات

ً 7.1 سيتم االحتفاظ بالمعلومات الشخصية التي نجمعها ونخزنها ونعالجها طالما كان ذلك

ضروريا لتحقيق األغراض التي

تم جمع معلوماتك الشخصية من أجلها )على سبيل المثال لتزويدك بالخدمة المطلوبة(.

ًال للتقاضي، أو إذا طلب منا

7.2 قد نحتفظ بمعلوماتك الشخصية لفتر ة أطول إذا اعتقدنا ضمن الحد المعقول أن هناك احتما

تلبي ألية متطلبات قانونية معمول بها )على سبيل المثال، يتطلب القانون المحلي أن نحتفظ بجميع ًة االحتفاظ بمعلوماتك

بيانات العمالء والمعامالت لمدة ال تقل عن خمس )5( سنوات من تاريخ إنشاء سجالت العمالء(.

.8 الوصول إلى المعلومات وتصحيحها

8.1 لك الحق في طلب نسخة من المعلومات التي نحتفظ بها عنك و/أو تصحيح أي من هذه المعلومات وذلك عن طريق

الكتابة إلينا عبر صفحة التواصل الخاصة بنا.

8.2 ا

ً

لن تضطر لدفع رسوم للوصول إلى معلوماتك الشخصية. ومع ذلك، إذا كان طلبك متكرر أو مفرط، فقد نفرض رسوم

إدارية معقولة لالمتثال للطلب.

9 . سحب الموافقة

9.1 يمكن لك سحب موافقتك في أي وقت باستخدام رابط إلغاء االشتراك الموجود في أي بريد إلكتروني تسويقي قد نرسله

إليك، أو عن طريق االتصال بـ Money& e باستخدام بيانات االتصال الواردة في الفقرة 10 من هذا اإلشعار. ويتم اتخاذ

إجراء بشأن طلب سحب الموافقة على الفور، وفي جميع األحوال خالل مدة ال تتجاوز 30 ا. يرجى مالحظة أن سحب

ً

يوم

الموافقة ال يبطل قانونية ا.

ً

أي معالجة كانت مبنية على الموافقة المقدمة مسبق

أمن البيانات الشخصية

9.1 نقوم باتخاذ جميع الخطوات المعقولة لضمان أمن قنواتنا الرقمية.

9.2 ويتضمن ذلك التدابير الفنية والتنظيمية الالزمة لحماية معلوماتك الشخصية من الوصول غير المصرح به أو العرضي

ا لما يقتضيه القانون

ً

أو غير القانوني أو معالجة الفقد أو اإلتالف وذلك وفق المعمول به .

9.3 قد تتم مشاركة معلوماتك الشخصية بشكل آمن ضمن مجموعة &e( بما في ذلك مع الموظفين والوكالء والمقاولين

واألطراف الخارجية األخرى على النحو المحدد في إشعار الخصوصية هذا(

ً

فقط عندما يكون ذلك ضروريا لتنفيذ عملهم

وبموجب ترتيبات سرية صارمة.

.10 االتصال بنا

10.1 لالستفسارات بشأن إشعار الخصوصية الماثل، يرجى االتصال بنا عبر صفحة التواصل أو عبر البريد اإللكتروني

com.eand@eandmoneydpo. تم آخر تحديث إلشعار الخصوصية الماثل في يوليو .2024

ًض 10.2

يمكنك أي ا أن تكتب إلى العنوان التالي:

خدمة عمالء money& e

الطابق 27 مبنى اتصاالت- الكفاف

صندوق بريد 93939

دبي، اإلمارات العربية المتحدة

tab5

1.1 Welcome to e& money! Before you start using our payment related services (the "e& money services"), there is some important information that we are required by law to share with you. We have tried to keep this as simple as possible, however if you have any questions, please visit our FAQs or if the answer is not there, contact us via our Contact Page. 1.2 Please read these terms and conditions ("Terms") carefully as they define our relationship with you and govern your use of the e& money services. 1.3 When we refer to ourselves as "e& money" "we", "us" or "our", we mean Digital Financial Services LLC which is the company that owns the e& money trademark and operates the e& money services. Our registered address is at 27th Floor, Emirates Telecommunications Group Company building (Etisalat), Al Kifaf Community, Bur Dubai, Dubai and our company registration number is 815764. We are licensed and regulated by the UAE Central Bank to offer stored value facilities and retail payment services. 1.4These Terms apply to your use of: (a) the e& money services, which includes regulated financial services such as international money transfers, local transfers, payments for goods and services, bill payment, gifting and any other services that we may offer you from time to time; (b) the e& money mobile application (the "e& money App"); and (c) the e& money website (the "Website").

2 ACCEPTANCE OF THESE TERMS

2.1 To access the e& money services, you will need to download the e& money App and you are required to read and consent to our Privacy Policy and these Terms. You should download and keep a copy of the Privacy Policy and these Terms. 2.2 By installing, accessing, downloading or otherwise using the e& money services, the e& money App and/or the Website, you are agreeing to comply with and be bound by these Terms. If you do not agree to these Terms or our Privacy Policy, you must not use the e& money services, the e& money App or the Website. Restricted 2.3 We may revise these Terms or the e& money services from time to time by notifying you by e-mail, the e& money App or the Website. If our changes reduce your rights, or increase your responsibilities, we will notify you at least 60 calendar days before those changes take effect. Any other changes to these Terms will be effective at the time we notify you. 2.4 If you do not agree to any of our changes to the Terms, you must immediately stop using the e& services and close the account that you have with us (your "e& money account"). By continuing to use the e& money services after any changes to these Terms, you agree to abide by and be bound by those changes. 2.5 We may also ask you to agree and accept additional terms and conditions from time to time in connection with certain new services. We will provide you with such additional terms via email, the e& money App and/or the Website. 2.6 If you breach or violate any of the Terms, we have the right to disable your e& money account and block your access to the e& money services immediately and you will not be permitted to create another account, nor access the e& money services, without our permission.

3. YOUR E& MONEY ACCOUNT

3.1 In order to set up your e& money account, you will be asked to provide us with certain information in order for us to confirm your identity and your eligibility to receive the e& money services. To be eligible for an e& money account, you must be at least 18 years of age and a resident of the UAE. 3.2 You must provide us with any documentation we request to confirm your identity through the e& money App, including your Emirates ID, your phone number and a picture of your face. All information you provide to us must be valid, complete and upto-date, and you agree to immediately notify us in writing of any changes to such information. 3.3 We reserve the right reject your request for an e& money account, or place limits on which features, functionalities and/or facilities are available to you as part of the e& money services, including limits on your transactions. If this happens, we will notify you and provide you with our reasons for doing so, unless we are prevented by law from doing so. 3.4. You will also be asked to generate one or more unique PIN codes in order to access your e& money account and use the e& money services. You are solely responsible for maintaining the secrecy and security of your PIN code, and we are not responsible for any unauthorised use of your e& money account using your PIN code. 

4. HOW WE USE YOUR PERSONAL DATA

4.1 We will only process your personal data in accordance with applicable laws and our regulatory obligations. Please read our Privacy Policy to understand how and what data we collect and why we use it. 

5. USING YOUR E& MONEY ACCOUNT

5.1 Once your e& money account has been activated, you will be able to store, send and receive funds through the e& money App or through an e& money card which has been issued to you. This section describes the types of services that we offer through the e& money App. 

5.2 Funding your e& money account

5.1 Once your e& money account has been activated, you will be able to store, send and receive funds through the e& money App or through an e& money card which has been issued to you. This section describes the types of services that we offer through the e& money App. 5.2 Funding your e& money account
(a) There are a few ways that you can add funds to your e& money account, including: (i) with your debit or credit card; (ii) with your bank account; (iii) using a QR code at one of our agents; or (iv) by visiting certain kiosks. (b) You can find a step by step guide on how to top up your e& money account balance on our FAQ Page. (c) There are no minimum balances required on your e& money account. The currency applied to the e& money services will be UAE Dirhams. (d) When you add money to your e& money account, or we become aware of a payment being made to you, we immediately issue an equivalent amount of stored value to your account. When we receive the incoming payment or the money you have added, we place it in a dedicated client money account at a UAE commercial bank, in accordance with our regulatory obligations. This means your money is kept separate from ours, and it remains in this account until you pay it (for example, by withdrawing funds or making a payment or transfer). (e) We will send you notifications via SMS and/or email each time you carry out a transaction related to your e& money account or on your e& money card. You can download your detailed transaction history via the e& money App at any time, but you will not be provided with a printed statement. Our record of any transaction shall be final and binding. Restricted (f) Please note that the available balance on your e& money card may be different from the balance amount shown in the e& money App, due to pending transactions or other blocked amounts (being amounts transacted but not processed) relevant to your e& money card.

5.3 Linking or Unlinking Cards or Bank Accounts

(a) You can link or unlink certain debit and credit cards, or UAE bank accounts to your e& money account. Please keep your payment method information current, and if this information changes please update it accordingly. Before linking a payment method to your e& money account, you should review and understand the terms and conditions applicable to such payment methods from the relevant providers.

5.4 Local Transfers and Withdrawals

(a) You can instruct us to send and receive funds from your e& money account to other user accounts within the UAE. (b) All instructions for local transfers will be binding as of the moment we receive the instructions and cannot be withdrawn. In order to initiate a request for a local transfer, you may be asked to provide one or more of the following through the e& money App: (i) recipient IBAN number; (ii) recipient's UAE phone number; (iii) recipient's e-mail address; or (iv) a QR code. (c) In order for us to authorise an instruction for a local transfer, you must follow the on-screen instructions to confirm and submit the transfer. Such instructions may include an option for you to enter a one-time password (an "OTP"), a PIN code or biometric information to confirm and submit the transfer. (d) Local transfers will normally be processed within 1 business day of us receiving the instructions from you, however some local transfers may take longer depending on the receiving bank's processes. (e) Once the local transfer has been executed we will provide you with a confirmation via the e& money App and SMS and/ or email. (f) You can also withdraw funds from your e& money account in cash at certain agents as we determine from time to time

5.5 International Transfers

(a) You can instruct us to send funds to recipients located in certain countries outside the UAE. Such international transfers allow recipients to either collect the transfer in cash at one of our partner networks' designated locations ("to cash") or to receive the transfer into their bank account or virtual account ("to account"). (b) The international transfer service may be processed by third party agents, authorised delegates or other permitted entities within our network. On that basis, you may be required to review and accept additional terms and conditions which we will make you aware of via the e& money App prior to any applicable international transfer transaction. You hereby agree to us sharing the necessary information with such third parties for the purpose of processing your international transfer, in any event in accordance with our Privacy Policy. (c) You are solely responsible for ensuring that the information provided to us to execute the international transfer via the e& money App is valid, accurate and complete. We will use our best endeavours to validate the accuracy of the transfer instructions (for example through IBAN checks), however we will not be responsible for communicating any information about you or the transfer directly to recipients of the international transfers. Please ensure such details are kept safe and secure, and not disclosed to any other party other than the recipient. (d) You do not have a right to cancel an international transfer. We may nevertheless be able to cancel it before the international transfers recipient collects or receives the funds. If you wish to cancel the international transfer and request a refund for the amount of the transfer, you must contact us as soon as possible through our Contact Page or through a chat session made through the e& money App. We will try to process your request as promptly as possible, however we cannot guarantee that cancellation will be possible. Any fees paid by you in initiating the international transfer will not be returned in the event the cancellation request is successfully processed and the funds are returned to you. (e) For international transfers collected 'to cash', if the recipient has not collected the international transfer within 90 days of the transfer instruction, we will treat the transfer as expired and we will have no obligation to execute the international transfer. In such circumstances, you will be entitled to a refund of the amount of the expired international transfer to your e& money account. We aim to process refunds within 30 days of your request. Any fees paid by you in connection with the international transfer will not be refunded. (f) For international transfers collected 'to account', you will need to contact the recipient's account provider for any information regarding the processing time to credit the international transfer to their account. (g) All international transfers will be debited from your e& money account in AED and exchanged into the currency you selected when initiating the international transfer. We will apply the relevant currency conversion rate that applies at the time on the transfer and notify you of that rate prior to you consenting to the transfer. Please note that in Restricted the case of any refunds, the exchange rate may differ from the original rate used for the international transfer. (h) All related fees for international transfers are set out in our Schedule of Charges. You will be asked to consent to these prior to the execution of any international transfer. (i) Once the international transfer has been executed we will provide you with a transaction confirmation number via SMS, email and the e& money App. 

5.6 Third Party Merchants Purchases

(a) You can use your e& money account to initiate transactions with participating merchants to pay for goods and services by using an e& money card we have issued to you, using a QR code at the point of sale, entering your phone number online. (b) You agree and acknowledge that all third party merchant transactions are between you and the merchant and we will not be responsible for the supply of any goods and/ or services in respect of such transactions, including in relation to any malfunction thereof. (c) We are not a selling agent in connection with any sale by a third party merchant of goods and/ or services to any person. We have no control over or responsibility for the quality, fitness, safety, reliability, legality, or any other aspect of any goods or services that you may purchase using the e& money services.

5.7 Bill Payments

(a) You can pay your bills from any qualifying utility provider listed on the e& money App using your e& money account. We will send you a transaction success notification via the e& money App, SMS and/or email once the amount for the transaction has been debited from your e& money account, however it will be your responsibility to confirm the processing time for the transaction to be posted on your account with your utility provider. 

5.8 E-vouchers

(a) You can purchase certain third party e-vouchers via the e& money App. Once a transaction for an e-voucher from a third party provider has been successfully completed, we will send you the e-voucher code via SMS. (b) Your purchase and use of any third party e-voucher shall be subject to the terms and conditions provided by the third party provider, and such third party terms and conditions shall in no way act to modify or amend these Terms. (c) You agree to assume all risk and liability arising from your use of any purchased third party e-voucher, and you further agree that we are not responsible or liable for any issues arising out of your use of any such third party e-voucher, including any Restricted malfunction thereof. We are not liable to you or any third parties for and goods and/ or services provided to you by any third party providers.

6. E& MONEY CARDS

6.1 When you open your e& money account, we will issue you with a virtual card which you can use to make contactless and online payments using the balance in your e& money account. 6.2 You may also request a physical version of your card, which we may issue to you at our sole discretion. The virtual card and any physical card issued, shall together be referred to in these Terms as the "e& money card"). 6.3 Your physical card can additionally be used to make payments in person and access services at an ATM (or other locations we may notify you of from time to time). Your e& money card will be valid until the expiry date specified on the card or as stated in the e& money App (unless cancelled by you or us at an earlier date). Before your e& money card expires, we will automatically issue you with a replacement card. 6.4 There is no charge for issuing your virtual card, however we may charge you certain fees in relation to your physical card, including if you damage it and require a new one. Information on our fees is set out in our Schedule of Charges. 6.5 You will be required to authorise payments on your e& money card by using a PIN code or such other security measure as we may notify to you from time to time. Where contactless or online payments are available, you may also be permitted to authorize a transaction by touching your card at a payment terminal or authorising your payment via SMS or App confirmation. We cannot cancel or stop a transaction once it has been authorised. 6.6 Please note, an e& money card is not a credit card. You can therefore only make purchases up to the total amount held in your e& money account. You are solely responsible for ensuring that sufficient funds are available for any transaction. If, for any reason whatsoever, you do not have available funds in your e& money account, the transaction will be declined. 6.7You agree and acknowledge that: (a) the e& money card may not operate in some countries and may not be accepted at some merchant locations which are not in compliance with our internal policies; and (b) if you make a purchase or withdrawal using your e& money card in a different currency than AED, we will apply the prevailing currency conversion rate that applies at the time of the transaction. 6.8 You can cancel your e& money card at any time via the e& money App or by contacting us via the Contact Page.

7. ACCOUNT LIMITS

7.1 For all e& money services, we reserve the right to impose limits on the value of transactions you may carry out in respect of single transactions, cumulative transactions over a specified period of time, or other aspects of the e& money services 7.2 All limits applicable to the e& money services are available on the e& money App and on the Website. You hereby agree and acknowledge that you have reviewed the limits applicable to your e& money account.

8. DELAYS, REFUSALS AND BLOCKING YOUR E& MONEY ACCOUNT

8.1 We review account and transaction activity in relation to the e& money services for suspicious or illegal activity in accordance with our regulatory requirements. 8.2 For all e& money services, we reserve the right to delay and investigate the execution of a transaction (including placing any funds on hold) where: (a) you have not provided the information required to execute the transaction and/or any additional information we have requested about the transaction; (b) you fail to authorise the transaction in accordance with any request to do so; (c) if applicable laws prohibits the transaction from being executed; (d) if we believe or suspect that a transaction may be fraudulent or relate to any other criminal activity; (e) you have breached these Terms in any manner, or the carrying out of the transaction would result in such a breach; and (f) if a third party prevents us from making the payment (for example, one of the payment systems we are required to use for the transaction). 8.3 Following any investigation, we reserve the right to seize funds to comply with a court order, instruction from the UAE Central Bank and/or other legal process; and/or reverse a transaction (i.e. return funds to another user account trying to send you a transfer). 8.4 We reserve the right to immediately block your e& money account, your e& money card and/or any e& money services in instances where: (a) we have been instructed to do by the UAE Central Bank or in accordance with applicable laws; (b) to comply with a court order; (c) to recover amounts owed to us by you in relation to unpaid fees; Restricted (d) there is evidence that you have acted dishonestly, fraudulently, or have been convicted of a crime; or (e) there is evidence that you have died. 8.5 In the event we block your e& money account or access to any of the e& money services for the reasons listed above, we will, as far as legally permissible, notify you within 24 hours and explain any corrective actions you are required to take. 

9. ERRORS AND INCORRECTLY EXECUTED TRANSACTIONS

9.1 We will not be liable for any loss or costs you may suffer as a result of us acting on your instructions. 9.2 In instances where we have failed to execute a transaction following your instructions or have incorrectly executed a transaction, or for any other error for which we are solely responsible, you shall have the right to claim an immediate refund from us of the respective transaction amount without any deductions being made from the transaction amount. We will also refund you any respective service fee for the related transaction (as applicable). 9.3 If we become aware of any error or omission resulting in an unexecuted or incorrectly executed transaction, we will notify you within 10 business days to advise you of the matter and steps to be taken for corrective action, including the amount to be refunded to you. 9.4 Upon the conclusion of our investigation into any error or omission in accordance with section 9.3 above, we will pay you any refund due within 7 business days of such conclusion.

10. REFUNDS 

10.1 When you make a purchase using your e& money account and/or your e& money card and the transaction is ultimately refunded, the payment will be refunded to the same payment method you used for the transaction. Refunds to your e& money account will generally be processed within 1 business day. Refunds to the e& money card will generally be processed within 30 days, however in certain instances the refund may take up to 120 days.

11 ACCOUNT SECURITY AND UNAUTHORISED TRANSACTIONS

11.1 You must take all reasonable precautions to keep your device, your e& money account, your e& money card and any security information relevant to your e& money account (including PIN codes, log in details and passwords) safe and secure to prevent fraud or misuse of them. 11.2 If your e& money card or e& money account login details are lost or stolen, or if you suspect that someone else knows your login details or your verified mobile number Restricted and/or e-mail are compromised, or if you believe that your e& money account has been hacked, compromised or breached in any way, you must contact us immediately via our Contact Page. If you can, you should also freeze your e& money card using the e& money App. If you later realise there is no security risk to your e& money card, you can unfreeze it. 11.3 If you suspect there has been an unauthorized transaction from your e& money account or your e& money card, or if there is a transaction on your statement which you do not recognize or which you think is incorrect, you must contact us immediately via our Contact Page, and no later than 30 business days from the date of the transaction. We will investigate the matter and inform you of your options to mitigate any further risks of further unauthorized activity on your e& money account. 11.4 Subject to section 11.5 below and the findings of our investigation, you will have the right to a refund of the full amount of the unauthorized transaction within 30 business days such unauthorized transaction was first reported to us or identified by us. 11.5 If our investigation shows that you have acted fraudulently or with gross negligence, or if you have intentionally or due to gross negligence breached one or several of your obligations regarding keeping your e& money account safe and secure as stipulated in this section 11, you will be fully liable for any resulting unauthorized transactions and we reserve our rights to take any further action as prescribed under these Terms. 11.6 You have the right to refer the findings of our investigation to our customer complaints team in accordance with section 23 (complaints) of these Terms. 11.7 If we identify any unauthorized transactions on your e& money account which we do not deem to require an investigation, we will issue you a refund on the next business day.

12 SCHEDULE OF CHARGES

12.1 You may be charged a fee for using certain of our e& money services. Information on our fees is set out in our Schedule of Charges.

13 REWARDS BY E& MONEY

13.1 We may offer a cashback loyalty program called 'Rewards by e& money' on certain purchases that you make via the e& money App. For full details of our loyalty program please visit the Rewards section of the e& money app or our Rewards by e& money FAQs.

13.2 Rewards by e& money is offered at our sole discretion and we reserve the right to modify or vary Rewards by e& money, or discontinue Rewards by e& money, at any time.

14. CONTENT OF THE E& MONEY APP AND THE WEBSITE

14.1 All rights, including intellectual property rights, in any content or data in e& money services, the e& money App and/ or the Website (including any content that you may submit to the e& money App or the Website) is the exclusive property of e& money and its licensors. Certain other product or service names, brand names and company names may be trademarks of their respective owners. 14.2 In order to provide you with certain e& money services we may include links to other third party service providers' websites and content. We are not responsible for the content of such third parties' websites. 14.3 We do not guarantee that the e& money App and/ or the Website will be free from errors or omissions. If you notice any errors, please inform us via our Contact Page.

15 LICENSE AND RIGHT TO USE

15.1 You may use the e& money services, the e& money App and the Website in order to access and use the e& money services. 15.2 You may not use the e& money services, the e& money App and/ or the Website for any other purpose that is not specified in these Terms. 15.3 If you breach the terms of this section 15 and/ or section 16 (restrictions on use) this may result in your e& money account being terminated, as well as you being potentially liable for infringement of our intellectual property rights.

16 RESTRICTIONS ON USE

16.1 You agree not to reproduce, duplicate, copy, imitate or re-sell all or any part of the e& money services, the e& money App and/ or the Website and any content thereon, without our express prior written consent. 16.2 You may not use the e& money services, the e& money App and/ or the Website: (a) to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware; (b) to access or purchase goods from adult or gambling locations or websites, or for any other unlawful activity or other restricted merchants as applicable; (c) in any way that breaches any applicable local, national or international law or regulation; and/or (d) in any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose Restricted or effect.

17 DISCLAIMER

17.1 To the extent permitted by applicable laws: (a) we provide the e& money services, the e& money App and the Website, and any content on the e& money App and the Website on an "as is" and "as available" basis; (b) we do not make any guarantees or warranties (express or implied) that the information provided by us is accurate, complete, or useful, that the e& money services, the e& money App and the Website will be operational, free from errors, secure, safe or that the Services, e& money App and/ or Website will function without disruptions, delays or imperfections; (c) we shall not be held liable or responsible for any matter or issue arising out of or in connection with your use of the e& money services, the e& money App and/ or the Website; and (d) we are not responsible for how you use the e& money services or that the e& money services will meet your needs.

18 LIABILITY, AND INDEMNITIES

18.1 Unless stated otherwise in these Terms, or as a result of our gross negligence or fraud, to the fullest extent permitted by applicable law, we exclude all liability to you for any: (a) consequential, indirect or special losses or damages; (c) loss of profits, loss of business or loss of business opportunity; (c) loss as a result of any failed payment due to insufficient funds in your e& money account; (d) losses incurred as a result of abnormal or unforeseeable circumstances outside our reasonable control, including delays or failures caused by problems of another system or network, mechanical breakdown, industrial action or a pandemic; (e) losses incurred where a law, or guidance or instruction from an governmental authority, requires us to take action, for example to terminate these Terms and close your e& money account; or (f) any other loss or damage to the extent that such loss or damage is caused or contributed to by you, or is a result of the failure by you to comply with these Terms. Restricted 18.2 To the fullest extent permitted by applicable law, and subject to section 18.1 above, our total liability to you under or in connection with these Terms in connection with a particular transaction shall be limited to the value of that transaction. 18.3 To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless e& money from and against all liabilities, damages, losses, and costs (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with (a) your access to or use of the e& money services, the e& money App and/or Website; (b) your breach of our Terms; or (c) any misrepresentation made by you.

19 TERMINATION AND CLOSING YOUR E& MONEY ACCOUNT

19.1 We reserve the right, at any time and for any reason, to close your e& money account by providing you with at least 60 calendar days' notice prior to such closure. Such notice may be provided via SMS, email, the e& money App. 19.2 You may close your e& money account at any time, and for any reason, by contacting us via our Contact Page .We will issue you with a final closing account statement within 7 business days of receiving your request. 19.3 These Terms will automatically terminate once your e& money account has been closed. 19.4 Following the closure of your e& money account: (a) you will be provided with written confirmation that your e& money account has been closed; (b) you are responsible for deleting the e& money App from your computer and mobile devices and cancelling all payments in and out of your e& money account; and (c) if there are any funds remaining in your e& money account, you will be required to transfer such funds to an account with another bank account. This can be done by notifying us via our Contact Page and requesting a money transfer to another bank account. 19.5 If you want to close your e& money account but still owe us money, we reserve the right to keep your e& money account open and follow our money collection procedures to recover such amounts. 19.6 If you lose access to your mobile phone, e& money account and/if the mobile number is assigned to another user, we will move your e& money account to a suspended status. You will have the right at any time to reclaim your e& money account and all the stored value that was in your wallet by physically presenting yourself to an e& money centre with your valid (a) original emirates ID and a valid mobile number to reclaim your e& money account. In this case you may: Restricted (a) register a new e& money account, retrieve your old e& money account and continue to enjoy e& money services; or (b) register a new e& money account, retrieve your old e& money account, redeem the remaining stored value and terminate the e& money services. 19.7 We will consider your e& money account as dormant if you do not conduct any transactions on your account for a period of 3 years or a period as specified by e& money in accordance with applicable laws. We will notify you if we consider your account has become dormant, and we may reject transactions and/or restrict access to the account whilst it is dormant. In certain circumstances, we may be required by law to transfer any funds remaining in your dormant account to the dormant account ledger maintained by us or by the UAE Central Bank. The UAE Central Bank assumes no responsibility to you as a result of the transfer of funds to the dormant account ledger. If you wish to reactivate your dormant account or claim any funds held within the account, you must contact us through the e& money App, by email at support@eandmoney.com, or by calling us on 800 392 55 38.

20 COOLING-OFF PERIOD

20.1 In addition to your rights to close your e& money account pursuant to section 19 (termination/ closing your e& money account), you also have a right to close your e& money account and terminate these Terms by notifying us within a period of 5 business days from the date that you agreed to these Terms. You can notify us via our Contact Page .

21 GENERAL

21.1 These Terms, as amended from time to time in accordance with the provisions contained herein, together with any other documents referenced or linked to these Terms (including but not limited to the Privacy Policy make up the entire agreement between you and e& money regarding your use of the e& money services, the e& money App and/ or Website. 21.2 Our delay or failure to act following any breach by you of these Terms, shall not prevent us from being able to exercise our rights or remedies at a later date. Any attempt by you to waive any of these Terms is not permitted without our prior written consent. 21.3 We may assign, novate or otherwise transfer any or all of our rights and obligations under these Terms to a third party without your consent. You may not assign, novate or otherwise transfer any of your rights and obligations under these Terms to a third party. 21.4 These Terms do not give any third party any rights which means they are only enforceable by you and us. Restricted 21.5 If any provision of these Terms is deemed illegal or unenforceable, then that provision shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions. 21.6 Any notice you are required to give us under these Terms should be sent to our Contact Page Any notice we are required to give to you may be sent to you via an outbound call, the e& money App, our Website and/or to the email address or mobile number linked to your e& money account. 21.7 You will comply with all applicable laws and regulations with respect to the e& money services in the UAE and in the country of use.

22 LANGUAGE

22.1 These Terms are available in both English and Arabic. In the event of any conflicts or differing interpretations between the English version of these Terms and the Arabic version of these Terms, the English version of the Terms shall prevail.

23 COMPLAINTS

23.1 You can raise a complaint by contacting our customer care line through a live chat session made through the e& money App, by email at support@eandmoney.com, or by calling us on 800 392 55 38.

23.2 One of our customer care agents will ask you some questions about your e& money account in order to verify your identity. Once you have been verified, our customer care agent will do their best to resolve your complaint using our e& money troubleshooting knowledge base. 23.3 If your complaint cannot be resolved by our customer care agent, your complaint will be referred to our operations team to provide further support. We will endeavour to address all complaints within 5 business days, however this could take longer depending on the nature of the complaint.

24 GOVERNING LAW AND JURISDICTION

24.1 These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates and the courts of the United Arab Emirates shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms.

تعليم وتوعية العملاء

 في e&money، نحن لا نؤمن بإدارة أموالك فحسب، بل نؤمن أيضًا بتعزيز فهمك للأمن المالي وسلامة المحفظة الرقمية. استكشف قسمنا المخصص لتعليم العملاء وتوعيتهم للحصول على رؤى قيمة.

فوائد المحافظ الرقمية

لقد أحدثت المحافظ الرقمية ثورة في الطريقة التي ندير بها ونجري بها المعاملات المالية. إنها توفر مجموعة واسعة من المزايا التي تعزز الراحة والأمان والكفاءة.

فيما يلي بعض الفوائد الرئيسية لاستخدام المحافظ الرقمية:

1. الراحة وسهولة الوصول

تتوفر المحافظ الرقمية على هاتفك الذكي أو الأجهزة الأخرى، مما يسمح لك بحمل وسائل الدفع الخاصة بك معك أينما ذهبت. وهذا يعني أنه يمكنك إجراء الدفعات والمزيد من خلال تطبيق واحد.

2. معاملات أسرع وأسهل

تعمل المحافظ الرقمية على تسريع عملية الدفع. لا مزيد من التعامل بالنقد. ما عليك سوى النقر أو المسح الضوئي أو النقر لإجراء الدفع، وبذلك تكون قد انتهيت.

3. تعزيز الأمن

تم تجهيز المحافظ الرقمية بميزات أمان مثل التعرف على بصمات الأصابع وأرقام التعريف الشخصية والتشفير، مما يجعلها أكثر أمانًا من طرق الدفع التقليدية. يتم ترميز تفاصيل بطاقتك، مما يقلل من مخاطر الاحتيال.

4. سهولة إدارة الميزانية

توفر معظم المحافظ الرقمية أدوات لتتبع وتصنيف النفقات. يمكنك الحصول على نظرة ثاقبة لأنماط الإنفاق الخاصة بك وإدارة أموالك بشكل أفضل.

5. عمليات الشراء داخل التطبيق

تجعل المحافظ الرقمية عمليات الشراء والاشتراكات داخل التطبيق أمرًا سهلاً. يمكنك الدفع مقابل الخدمات أو الألعاب أو المحتوى دون مغادرة التطبيق.

6. إمكانية الوصول العالمية

تعمل العديد من المحافظ الرقمية على المستوى الدولي، مما يجعلها مثالية للمسافرين. يمكنك استخدام محفظتك للمدفوعات الدولية، وأكثر من ذلك.

7. التأثير البيئي

يؤدي استخدام المحافظ الرقمية إلى تقليل الحاجة إلى الإيصالات المادية والمستندات المطبوعة، مما يساهم في خلق بيئة أكثر صداقة للبيئة وخالية من الأوراق.

وفي الختام، توفر المحافظ الرقمية العديد من المزايا التي تعزز معاملاتنا المالية اليومية. إنها توفر الراحة والأمان وتعدد الاستخدامات مع تبسيط تجربة الدفع الخاصة بك. مع استمرار تطور تكنولوجيا المحفظة الرقمية، يعد المستقبل بمزيد من الابتكارات والمزايا للمستخدمين.

الدليل الشامل لحماية نفسك من الاحتيال

في عالم اليوم المتصل رقميًا، تعد حماية نفسك من الاحتيال أولوية قصوى. أصبح مجرمو الإنترنت متطورين بشكل متزايد، مما يجعل من الضروري تزويد نفسك بالمعرفة والتدابير العملية لحماية معلوماتك الشخصية والمالية.

يستكشف هذا الدليل الشامل الطرق الأساسية لحماية نفسك من الاحتيال.

1. احذر من التصيد الاحتيالي

تعد هجمات التصيد الاحتيالي من بين الأساليب الأكثر شيوعًا التي يستخدمها المحتالون. تتضمن عادةً رسائل بريد إلكتروني أو مكالمات أو رسائل خادعة تنتحل شخصية كيانات شرعية. لحماية نفسك:

· التحقق من صحة المرسل قبل مشاركة المعلومات الشخصية.

· توخي الحذر عند تلقي طلبات غير مرغوب فيها للحصول على بيانات حساسة.

· كن متشككاً بشأن الرسائل العاجلة التي تتطلب اتخاذ إجراءات فورية.

2. كلمات المرور الآمنة

يعد إنشاء كلمات مرور قوية وفريدة لحساباتك عبر الإنترنت أمرًا بالغ الأهمية. إليك الطريقة:

· الاستفادة من مجموعة من الأحرف الكبيرة والصغيرة والأرقام والأحرف الخاصة.

· تجنب المعلومات التي يمكن تخمينها بسهولة، مثل تواريخ الميلاد أو الكلمات الشائعة.

· فكر في استخدام مدير كلمات مرور حسن السمعة لإنشاء كلمات مرور معقدة وتخزينها بشكل آمن.

3. المصادقة الثنائية (2FA)

يوفر تمكين المصادقة الثنائية حيثما أمكن ذلك طبقة إضافية من الأمان. ويتطلب منك تقديم معلومات ثانية، مثل الرمز الذي يتم إرساله إلى هاتفك أو بريدك الإلكتروني، بالإضافة إلى كلمة المرور الخاصة بك. وهذا يقلل بشكل كبير من خطر الوصول غير المصرح به إلى حساباتك.

4. المستندات الحساسة المشتركة

قم بحماية مستنداتك المادية عن طريق التخلص الآمن من المعلومات الحساسة:

· استخدم آلة التقطيع العرضية لتدمير المستندات التي تحتوي على بيانات شخصية، مثل البيانات المصرفية، والفواتير، وعروض بطاقات الائتمان.

· قم بحماية الأوراق المهمة في خزانة مقفلة لمنع الوصول غير المصرح به.

5. التحقق من البيانات المالية

تعد مراجعة بياناتك بانتظام خطوة حاسمة في اكتشاف النشاط الاحتيالي. كن مجتهدًا بشأن:

· فحص كل معاملة للتأكد من دقتها.

· الإبلاغ عن أي تناقضات أو رسوم مشبوهة إلى مؤسستك المالية على الفور.

6. قم بتأمين أجهزتك

يعد تأمين أجهزتك الإلكترونية أمرًا بالغ الأهمية لحماية معلوماتك. خذ بعين الاعتبار هذه الخطوات:

· استخدم شاشات القفل أو رموز المرور أو المصادقة البيومترية (مثل بصمة الإصبع أو التعرف على الوجه) لمنع الوصول غير المصرح به.

7. ثقف نفسك

إن البقاء على اطلاع بأحدث عمليات الاحتيال وأساليب الاحتيال هو أفضل دفاع لك. لنفعل ذلك:

· مواكبة المقالات الإخبارية والتنبيهات من وكالات حماية المستهلك والموارد التعليمية.

· تثقيف نفسك حول اتجاهات الاحتيال الحالية والتكتيكات الشائعة التي يستخدمها مجرمو الإنترنت.

8. حماية المعلومات الشخصية

توخي الحذر فيما يتعلق بالمعلومات التي تشاركها على وسائل التواصل الاجتماعي والمنصات العامة الأخرى:

· قم بالحد من المعلومات الشخصية التي توفرها عبر الإنترنت، مثل تاريخ ميلادك أو عنوانك أو رقم هاتفك.

· ضبط إعدادات الخصوصية لتقييد الوصول إلى بياناتك الشخصية.

9. الإبلاغ عن نشاط مشبوه

إذا كنت تشك في الاحتيال أو أصبحت ضحية، فإن الإبلاغ عن الحادث أمر بالغ الأهمية. اتخذ هذه الخطوات:

· اتصل بشركتك أو مؤسستك المالية للإبلاغ عن أي معاملات غير مصرح بها أو نشاط مشبوه.

من خلال اتباع هذه الممارسات الأساسية بجدية، يمكنك تقليل خطر الوقوع ضحية للاحتيال بشكل كبير. إن حماية معلوماتك الشخصية والمالية هي جهد مستمر يتطلب اليقظة والوعي. كن استباقيًا ومطلعًا لضمان أمانك في عالم رقمي متزايد.

تذكر أن المعرفة والحذر هما أقوى أسلحتك ضد الاحتيال. كن يقظًا، وابق على اطلاع، وكن آمنًا.

Ø تذكر أننا لا نقوم بحظر الحسابات إذا لم يتم تحديث KYC.

Ø لا يتم طلب المعلومات الحساسة مثل كلمات المرور لمرة واحدة (OTPs) وكلمات المرور وما إلى ذلك.

Ø اتصل دائمًا بالبريد الإلكتروني والمال مباشرة إذا كانت لديك أي شكوك.

Ø تحقق من عنوان البريد الإلكتروني للمرسل بحثًا عن أدلة.

Ø لن تطلب e&money أبدًا تفاصيل KYC عبر الهاتف/الرسائل النصية القصيرة.

نصائح هامة تتعلق بالسلامة والتوعية بشأن استخدام البطاقة

في عالمنا الحديث، أصبح استخدام البطاقة جزءًا لا يتجزأ من حياتنا اليومية. سواء كانت بطاقات الائتمان أو بطاقات الخصم أو طرق الدفع الأخرى، فإننا نعتمد عليها لتوفير الراحة والأمان. ومع ذلك، لتحقيق أقصى استفادة من هذه الأدوات المالية مع الحفاظ على أمان معلوماتك الشخصية والمالية، فمن الضروري أن تكون على دراية بنصائح السلامة المهمة.

يقدم هذا الدليل رؤى لمساعدتك على التنقل بين استخدام البطاقة بثقة.

1. حماية رقم التعريف الشخصي الخاص بك (PIN)

رقم التعريف الشخصي (PIN) الخاص بك هو المفتاح للوصول إلى حساباتك عبر أجهزة الصراف الآلي وإجراء المعاملات الآمنة. احميها بعناية:

· لا تشارك رقم التعريف الشخصي الخاص بك أبدًا مع أي شخص، بما في ذلك الأصدقاء أو العائلة.

· اختر رقم تعريف شخصيًا فريدًا ويصعب تخمينه ولا يعتمد على معلومات يمكن الحصول عليها بسهولة، مثل تاريخ ميلادك.

2. احرس بطاقتك

حافظ على أمان بطاقاتك لمنع السرقة والاستخدام غير المصرح به:

· قم بتخزين بطاقاتك في مكان آمن ومخفي.

· تحقق بانتظام من محفظتك أو محفظتك للتأكد من أن بطاقاتك في مكانها الصحيح.

3. كن حذرًا فيما يتعلق بتفاصيل البطاقة

تعامل مع تفاصيل بطاقتك كما تفعل مع معلوماتك الشخصية:

· تجنب مشاركة معلومات البطاقة عبر الهاتف أو عبر البريد الإلكتروني إلا إذا قمت أنت ببدء الاتصال.

· كن حذرًا من الطلبات غير المرغوب فيها للحصول على تفاصيل البطاقة، خاصة إذا كانت تبدو مشبوهة.

4. راقب بياناتك

قم بمراجعة بيانات بطاقتك بشكل متكرر لاكتشاف أي مخالفات:

· التحقق من دقة كل معاملة والإبلاغ عن أي رسوم غير مصرح بها على الفور.

· قم بإعداد تنبيهات الحساب لتلقي الإخطارات الخاصة بنشاط البطاقة، مما يعزز وعيك.

5. اختر المعاملات الآمنة عبر الإنترنت

عند إجراء عمليات شراء عبر الإنترنت، قم بإعطاء الأولوية للسلامة:

· تسوق على مواقع الويب الآمنة باستخدام "https://" وأيقونة القفل في شريط عنوان المتصفح.

· تجنب حفظ تفاصيل بطاقتك على مواقع الويب، خاصة إذا كنت تستخدم أجهزة كمبيوتر أو شبكات عامة.

6. الإبلاغ فورًا عن البطاقات المفقودة أو المسروقة

إذا فقدت بطاقتك أو تمت سرقتها، فمن الضروري اتخاذ إجراء سريع:

· اتصل بجهة إصدار بطاقتك للإبلاغ عن الخسارة وطلب استبدال البطاقة.

· مراقبة حساباتك بحثًا عن أي معاملات غير مصرح بها.

7. حافظ على تحديث معلومات الاتصال

تأكد من أن جهة إصدار بطاقتك لديها معلومات اتصال دقيقة لك:

· يتيح لهم ذلك الوصول إليك بسرعة إذا اشتبهوا في وجود نشاط احتيالي على حسابك.

8. تعرف على حماية حامل البطاقة

فهم حقوقك وحماية حامل البطاقة:

· تعرف على شروط وأحكام بطاقتك، بما في ذلك حدود المسؤولية عن الرسوم غير المصرح بها.

من خلال اتباع نصائح السلامة المهمة هذه والوعي بالفروق الدقيقة في استخدام البطاقة، يمكنك الاستمتاع بثقة بالراحة والأمان الذي توفره البطاقات في معاملاتك المالية. كن يقظًا، واحمي معلوماتك الشخصية، وأبلغ عن أي نشاط مشبوه على الفور للحفاظ على تجربة استخدام آمنة ومأمونة للبطاقة..