Terms and conditions of use

1. Purpose and Scope
   1. Payit is a mobile digital wallet solution operated by First Abu Dhabi Bank PJSC (the Bank). References to Payit in these terms and conditions of use (Terms and Conditions) are to the mobile wallet solution and each related product and service, including but not limited to the software application offered as part of Payit enabling users to carry out payments and transfer funds (the App)
   2. These Terms and Conditions set out the contractual basis on which individual natural persons and certain merchants can access and use Payit. BY ACCEPTING THESE TERMS AND CONDITIONS, YOU AGREE THAT YOU ARE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, DO NOT SELECT ACCEPT.
   3. If you are a merchant, your use of Payit will be governed by the terms of the Merchant Agreement between you and the Bank. If you are a small business merchant who has registered with Payit without having been fully verified by the Bank then, unless the context otherwise requires, these Terms and Conditions will also apply to your use of Payit. These Terms and Conditions to do not apply to any other category of merchant. In the event of any conflict between the terms of any Merchant Agreement and these Terms and Conditions, the terms of the relevant Merchant Agreement shall prevail to the extent of the conflict.
   4. Registered users of Payit can link their debit or prepaid cards or bank accounts held with the Bank or other financial institutions to their Payit wallet. They may also use Payit to pay bills under accounts held with certain merchants. These Terms and Conditions do not apply to the use or operation of any such cards or accounts.
   5. For further information about how to register with Payit and the services and functionality available with Payit, please refer to the Frequently Asked Questions (FAQs). If there is any conflict or inconsistency between the provisions of these Terms and Conditions and the FAQs, the provisions of these Terms and Conditions shall prevail.
2. Eligibility
   1. Payit is available to download to persons aged 18 years and above who are residents in the United Arab Emirates (UAE) and you warrant and represent that you meet these requirements.
   2. You acknowledge that Payit allows the execution of transactions in UAE dirhams only and that Value Added Tax (VAT) may be chargeable on sales and purchases of products and services you make using Payit.
   3. Unless clause 2.4 applies, when you download and install the App for the first time, seek to reinstall the App after uninstalling it from your device, or seek to install the App on an additional device, you will be prompted to provide a copy of your Emirates ID, your current residential address, your place of work and your email address and mobile phone number. Once you provide this information and accept these Terms and Conditions then, unless you are a merchant, you will be authorized to make purchases of products and services using Payit up to a total limit of AED 3,500 and to use other limited functionality within Payit. Different transaction limits apply to merchants. You agree that the Bank will remove the transaction limit and other functionality restrictions only once you have completed the registration process and provided Know Your Client documentation which is satisfactory to the Bank in all respects. Once all Know Your Client documentation has been provided in a satisfactory manner to the Bank, a total transaction limit of AED 25,000 will be applied.
   4. You may not be required to provide a copy of your Emirates ID or contact details or be restricted to the limited functionality described in clause 2.3 if you have already completed the registration process and provided satisfactorily Know Your Client documentation and wish to: (i) reinstall the App after uninstalling it from your device, or (ii) install the App on an additional device.
   5. You warrant and represent that all information you supply or make available to the Bank is true, accurate, and not misleading.
   6. You acknowledge that, whenever it deems such action necessary in its absolute discretion, the Bank reserves the right to:
      1. decline to register you with Payit; or
      2. Subject your registration with Payit to any condition whether or not specified in these Terms and Conditions.
3. System Requirements
   1. The App works with compatible devices running Android 6.0 (Marshmallow) and above and iOS 10 and above. You may need to upgrade the operating system on your device if the version on your device is no longer supported by the Bank.
   2. You acknowledge that the Bank is not responsible or liable for your inability to use the App as a result, directly or indirectly, of defects or malfunctions occurring in respect of your device, including but not limited to the camera used to scan QR codes.
   3. You acknowledge that, if the App is installed or used on a jail-broken or rooted device, the Bank shall not be liable for any loss of or destruction, damage, alteration or unauthorized access to files, information or data on your device or the corruption or disablement of your device caused directly or indirectly by the jailbreaking or rooting of your device.
   4. You need an Internet connection to use the App. You acknowledge that the Bank does not control your Wi-Fi or mobile service provider, and no warranty is made as to coverage, availability, or service provided by your Wi-Fi or mobile service provider. You further acknowledge that the Bank is not responsible for any charges that you may incur from third parties with respect to your use of the App, including without limitation any data charges or Internet access fees.
4. Restrictions on Use
   1. Once you are registered with Payit in accordance with these Terms and Conditions and subject to your continued compliance with these Terms and Conditions, you shall benefit from a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the App solely for your personal and non-commercial use.
   2. You must:
      1. not use the App for any illegal or unauthorized purpose or in a manner that could damage or cause risk to the Bank™s business, reputation, personnel, customers, facilities or to any third party;
      2. not introduce into or through the App any computer virus, Trojan horse™, worm, logic bomb, back door, malware or similar item whose purpose or possible function is to disable a computer or network or adversely affect its performance;
      3. use appropriate virus scanning software and take other reasonable precautions in respect of the security of your device when accessing or using the App;
      4. not modify, decompile, reverse-engineer or disassemble the App or any part of it or remove, circumvent, disable, damage or otherwise interfere with security-related features of the App;
      5. not impersonate any other person or access the Payit account of another person without permission;
      6. not execute transactions through Payit on the basis of funds which were obtained fraudulently or for a fraudulent purpose;
      7. not use the App to transact with any merchant which does not appear in the list of approved merchants available on the App or on the Payit website from time to time;
      8. not infringe the Bank™s or any third party™s intellectual property rights, rights of publicity or privacy;
      9. not post or transmit any message on Payit which is libelous, defamatory or which discloses private or personal matters concerning any person;
      10. not post or transmit any message, data, image or program on Payit which is pornographic, vulgar or offensive in nature;
      11. not refuse to cooperate in an investigation conducted by the Bank or provide confirmation of your identity or any other information provided by you to the Bank;
      12. not use the App in any manner that could damage, disable, overburden, or impair it or the Bank™s systems, including, without limitation, by using the App in an automated manner;
      13. not remove, obscure, or alter the Bank™s or any third party™s copyright, patent, trademark, or other proprietary rights notices affixed to, contained within or accessed using the App;
      14. not sell, rent, license, distribute, publish or publically perform or display the App or services, software or information associated with or derived from it;
      15. not use the App in a manner that the Bank or any payment card network reasonably believes to be an abuse of the payment card system or a violation of payment card network rules;
      16. not take any action that may cause the Bank to lose any of its business partners, including merchants accepting payments using the App; or
      17. Breach these Terms and Conditions or any other agreement, policy, or terms as may be applicable pursuant to or referenced in these Terms and Conditions.
   3. You should inform the Bank immediately by contacting the dedicated Payit call center operated by the Bank (the Call Centre) using the details published on the App if:
      1. the security information you use to access the App, such as your PIN, is compromised in any way so that the Bank can disable your Payit account; or
      2. The device you use to access the App is lost or stolen so that the Bank can delink your Payit account from the lost or stolen device.
   4. If you sell or change the device you use to access the App, you are advised to delink your Payit account from your old device using the App settings to prevent any unauthorized use of your Payit account.
5. Canceling Orders and Refunds
   1. Payit provides a platform that allows you to initiate transactions with individuals and merchants and pay or receive payment for products or services. You acknowledge that the Bank is not party to any transaction you enter into with any person using Payit.
   2. You acknowledge that Payit does not enable the return of funds to your Payit account once you have authorized a transaction (known as a chargeback). Your entitlement to cancel an order you place with a merchant or to claim a full or partial refund of any payment you make to a merchant will be subject to the terms and conditions of the relevant recipient of your order or payment.
   3. A merchant may agree to refund an amount to your Payit account: (i) by notifying the Bank and processing the refund using functionality provided by the Bank; or (ii) using the merchant™s own refund procedure. You acknowledge that the Bank has no obligation to provide any refund functionality or to honor any refund request it receives from a merchant. You further acknowledge that the Bank is not responsible or liable for any refund processed using any merchant™s refund procedure.
   4. Clauses 5.2 and 5.3 do not apply in respect of unauthorized transactions using your Payit account
   5. You warrant and represent that all information you supply or make available to the Bank is true, accurate, and not misleading.
6. Rewards
   1. You acknowledge that the Bank may from time to time operate reward schemes through Payit, such as rewards for inviting third parties to register with Payit. At the relevant time, you may be asked to accept further terms and conditions which will determine your entitlement to participate in such schemes and earn rewards. The Bank may decide to stop any such scheme at any point in time that it deems fit. The mode of rewards may be credit into payit, Ratibi cards, or may be in form of vouchers points, etc. The frequency of these rewards, the number of times it can be availed, and the time are taken to provide these rewards will depend on the rewards program and the bank has the full right to decide on this.
7. Promotions
   1. Payit promo codes are only valid on the payit application
   2. All payit promo codes must be entered before confirming a merchant transaction
   3. Only 1 promo code can be applied to 1 transaction at a time.
   4. An expired promo code is no longer valid to use.
   5. All promo codes validity is limited to date, usage, and limit
   6. Subject to the type of promo code:
      1. A promo code may be assigned to one user for one merchant
      2. A promo code may be assigned to one user to use in multiple merchants
      3. A promo code may be assigned to multiple users for one merchant
      4. A promo code may be assigned to multiple users for multiple merchants
   7. Payit reserves the right to cancel or modify an order, or revoke the use of promo codes for any reason, including due to:
      1. Suspicious or fraudulent purchasing activity or promo code usage
      2. Promo code abuse, including the use of multiple accounts associated with the same payit user
      3. Promo codes used for the purpose of reselling
   8. Unless otherwise stated, promo codes are not valid in conjunction with other promotions or discounts
   9. Payit promo codes are not exchangeable for cash
8. Payit will not be liable and/or be required to offer replacement promo codes, discounts, credits, cash, or otherwise compensate customers for:
   1. Discontinued or canceled promo codes
   2. Improper use of, or inability to redeem a promo code
   3. Payit is liable to refunding or extending the acceptance of a promo code in case of any technical issues.
   4. Payit reserves all the rights to change these terms and conditions or cancel any promotions at any time and without any prior notice.
9. Tipping
   1. You may be able to add a tip to a payment from your Payit account when purchasing products or services from certain merchants. You acknowledge that any tip you add may be credited to the merchant™s account at the Bank or to the personnel of the merchant involved in the supply of the product or service at the absolute discretion of the merchant.
10. Intellectual Property
    1. You acknowledge that all rights in the know-how, trademarks, trade names, patents, copyrights, design rights (whether registered or unregistered), database rights, goodwill, and all other intellectual property rights subsisting in or arising in connection with Payit and the Bank™s systems (the Intellectual Property) are, and shall remain, the property of the Bank and/or its licensors and that you shall not acquire any proprietary rights in such Intellectual Property and agree not to infringe or challenge the Bank™s and/or its licensors™ rights in the Intellectual Property nor do or permit anything to be done which may be detrimental to the Intellectual Property or which may be inconsistent with or damage the reputation of the Bank and/or its licensors. You agree to inform the Bank immediately if you become aware of any third party activity which infringes the Intellectual Property.
    2. You shall indemnify the Bank from and against any losses, damages, costs, charges, expenses, and any other liabilities (including, without limitation, reasonable legal fees), incurred or awarded against the Bank as a result of, or in connection with, your use of the Intellectual Property otherwise than in accordance with these Terms and Conditions.
11. Personal Information
    1. You agree to the Bank processing personally identifiable information relating to you which it may obtain, receive or generate in connection with these Terms and Conditions in accordance with applicable data protection and privacy laws and the Privacy Policy.
    2. We at payit are dedicated to protecting and respecting our customer™s privacy. Our privacy policy is governed by First Abu Dhabi Bank. For more details please click on the following link; https://www.bankfab.ae/en/privacy-policy
12. Limitation of Liability
    1. You acknowledge that:
       1. Information technology and telecommunications systems are not error-free; and
       2. the Bank disclaims all warranties, conditions, guarantees, representations, and statements with respect to Payit and the speed of availability, transfer, and settlement of funds using Payit, either express or implied, whether by statute or otherwise, including any express or implied warranties as to adequacy, timeliness, availability, satisfactory quality or fitness for a particular purpose or use, and all warranties arising from a course of performance and course of dealing under applicable law.
    2. You acknowledge that you will be unable to execute transactions or otherwise using Payit if:
       1. You delink your Payit account from your device;
       2. You continually enter an incorrect PIN when logging into the App;
       3. You press Forgot PIN on the login screen within the App (in which case you will be asked to reset your PIN;
       4. Your browsing session within the App is timed out (in which case you will be asked to log in to the App again); or
       5. You attempt to access your Payit account from a device that is not linked to your Payit account, and you acknowledge that the Bank is not liable to you in connection with your inability to use Payit in any of these circumstances.
    3. You acknowledge that any functionality enabling funds to be deposited into a Payit account from a bank account, or withdrawn from a Payit account into a bank account, is dependent on and subject to the operation of the Funds Transfer System operated by the UAE Central Bank (the Central Bank).
    4. You acknowledge that no industry standard or practice, including without limitation the Payment Card Industry Data Security Standard (PCI DSS) and Payment Application Data Security Standard (PA DSS), shall form part of the obligations of the Bank under these Terms and Conditions.
    5. Subject to Clause 10.6, you acknowledge that the Bank excludes liability, whether in contract, for negligence, for breach of statutory duty or otherwise, for any direct loss and any loss of profits, business, revenue, data, goodwill or anticipated savings, or for indirect or consequential loss or damage which may arise out of or in connection with your use of, or inability to use, Payit.
    6. You acknowledge that neither party excludes liability for:
       1. Death or personal injury to the extent that the same arises as a result of its own negligence or the negligence of its personnel (as applicable); or
       2. Any other type of loss for which liability cannot be excluded under applicable law.
    7. You shall indemnify the Bank from and against any losses and liabilities (including, without limitation, reasonable legal fees), incurred or awarded against the Bank as a result of, or in connection with, your use of Payit and/or breach of these Terms and Conditions.
13. Third-Party Websites
    1. The App may contain links to third party websites, such as websites operated by merchants or social networking sites (Linked Websites). You acknowledge that the Linked Websites are not under the Bank™s control and the Bank is not responsible for any Linked Websites. You further acknowledge that these links are provided as a convenience and the inclusion of any link does not imply the Bank™s endorsement of or any association with the website™s operator. When you access a Linked Website, you do so at your own risk. It is your responsibility to review the privacy policies and terms of use that apply to Linked Websites. Any claims you might have with respect to Linked Websites are against the operator of the website and not against the Bank.
14. Term, Termination, and Suspension
    1. These Terms and Conditions become binding once you select Accept.
    2. You acknowledge that the Bank may terminate or suspend without notice your access to the App or any other part of Payit whenever it deems such action necessary in its absolute discretion and without liability to you or to any third party. Upon such termination or suspension, you agree to immediately stop using Payit. These remedies are without prejudice to any other remedies which the Bank may have under applicable law.
    3. If the Bank terminates your access to Payit, your Payit account will be suspended and any remaining funds processed in accordance with Payit standard account suspension procedures. Please refer to www.payit.ae for further information.
    4. The rights of termination and suspension in this clause 12 may be exercised without the order of any court or other judicial authority.
    5. All rights and obligations of the parties in respect of these Terms and Conditions shall cease to have effect immediately upon termination of these Terms and Conditions except for any rights or liabilities which have accrued up to the date of termination.
15. Changes
    1. You agree that the Bank may make operational changes to Payit at any time, including by changing the minimum specifications of the systems or devices required for access to them. You acknowledge that the Bank will use reasonable endeavors to provide notification of material changes Payit by placing a message on the App or by otherwise notifying you in accordance with these Terms and Conditions.
    2. You agree to the Bank varying these Terms and Conditions or the FAQs at any time by giving reasonable notice to you.
    3. If you do not agree with any change made by the Bank to Payit or these Terms and Conditions, your sole and exclusive remedy is to stop your use of Payit.
16. Sub-contracting and Assignment
    1. You acknowledge that, to the extent permitted by law, the Bank may assign, sub-contract, delegate or otherwise transfer the benefit of these Terms and Conditions or any of the Bank™s obligations under them to any other person without your consent.
    2. You shall not, or purport to, assign, sub-contract, delegate or otherwise transfer the benefit of these Terms and Conditions or any of your obligations under them to any other person without the Bank™s prior written consent.
17. Regulatory
    1. The Bank is authorized by the Central Bank to provide the digital payment services within Payit in accordance with the Central Bank™s Regulatory Framework for Stored Values and Electronic Payment Systems (the Framework). Payit is operated in accordance with the requirements of the Framework. You acknowledge that, amongst other things, the Framework:
       1. places limits on the amount that can be funded to your Payit account per month, the amount that can be held in your Payit account, the amount of each transaction you can initiate using Payit, and on your daily spending using Payit; and
       2. Authorizes the Bank to apply charges for the execution of certain transactions using Payit.
18. Dispute and claims
    1. Once a Transfer has been completed, it shall be deemed final and irrevocable. As such, Payit shall not be under any obligation to reverse any transaction.
    2. Notwithstanding clause 18.1, Payit reserves the right, at its sole discretion, to cancel or reverse a Transfer on the basis of a manifest error or on the basis of fraud and provided that the Recipient has not redeemed the funds and the request to reverse the Transfer is made within 90 days of the erroneous Transfer date.
    3. Dispute process
       1. If you wish to file a dispute, visit our website www.payit.ae and download the dispute form and fill in the required details. The dispute must be submitted within 90 days of the transaction in dispute.
       2. Payit reserves the right to investigate and accept only fraudulent cases. If the dispute is found not to be fraudulent, Payit will close the dispute and you will not be eligible for any reimbursement.
       3. You will need to provide the below details for any disputes raised on transactions used on Payit:- 1) Police Complaint Report, 2) Filled Dispute Claim form, 3) Emirates ID Copy, 4) Passport Copy and 5) Statement copy of the bank of which, the card is used on Payit wallet
    4. Investigation and resolution on fraudulent transactions can take up to 80 days and Payit reserves the right to reverse any interim credit provided.
    5. Payit also may immediately: a) decline your application for any or all of the services, b) terminate any or all of the services, c) reverse any relevant transaction d) withhold funds from you or restrict your access to funds or your Payit account, e) Do anything else we reasonably consider necessary.
    6. Payit shall inform you of any such actions we take unless Payit has a reasonable belief that we are prevented from doing so by law or regulation or we believe that doing so would compromise our anti-fraud or security measures.
    7. You acknowledge that Payit is under no obligation to recall funds or is liable if Payit is unable to partially or fully recall the funds subject to the dispute.
19. Feedback
    1. If you submit or provide suggestions for improving Payit (Feedback) to the Bank by contacting the Call Centre or otherwise, you agree that the Bank will be free to exercise any and all rights in the Feedback without restriction, including any obligation to attribute the Feedback to you or to compensate you in any manner whatsoever. You must not give the Bank any information that is confidential, commercially sensitive or contains original creative work or is the intellectual property or proprietary property of you or another person.
20. Contacting You
    1. You agree that the Bank may contact you by any lawful method, including by email or using the mobile phone number you provided to the Bank upon registration. You agree to keep any contact details notified to the Bank current. If your contact details change, please inform the Bank by contacting the Call Centre.
21. Transfers
    1. We do not offer international currency transfer services (Transfer Service) to all countries.
    2. The estimated time of arrival (ETA) for funds with respect to each transaction depends on various factors and can vary from the indicative ETA displayed in the App.
    3. Transfers to other countries may be routed via our partners and your basic information may be shared to meet the compliance checks at our partner’s end.
    4. CHARGES AND CURRENCY EXCHANGE
       1. You must pay us the fee stated in the App. You can only send money in a certain currency or currencies which will be determined at the sole discretion of the Bank.
    5. RESTRICTIONS ON TRANSFER SERVICES
       1. There are limits on the amount you are able to send by way of the Transfer Service. We may refuse to send the money if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator, or (c) it may be linked with fraudulent or illegal activity. (d) if it fails our compliance checks
    6. CANCELLING AND REFUNDING A TRANSFER
       1. You do not have a right to cancel a Transfer Service. We may nevertheless be able to cancel it before the Recipient receives the money.
       2. Refunds may take up to 7 working days in case the transaction is eligible for refunds
    7. ADDITIONAL CONDITIONS
       1. We will send the money to the account you specify in the App. For information on when a payment will be credited to such an account, you need to contact the Recipient™s account provider.
       2. The Recipient™s account provider may apply its own charges to the Transfer Service, which does not involve us.
    8. OTHER TERMS
       1. We will report money transfers to any government authorities if we are required to do so by law.
22. Abu Dhabi Police Amanati
    1. You acknowledge that by using this Payit service to transfer funds to the Abu Dhabi Police Amanati (Amanati Paymentâ), you
       1. Provide your consent to Payit to share and disclose your personal information (including Name, Mobile number, Emirates ID) with the Abu Dhabi Police for the purposes of facilitating the Amanati Payment;
       2. Agree and acknowledge that Payit will not be held liable or responsible in the event Abu Dhabi Police transfers or discloses your information to any third party or uses your information for any purpose other than the above
23. General
    1. These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (and any non-contractual obligations arising out of or in connection with them) shall be governed by the laws of the United Arab Emirates as applicable in the Emirate of Abu Dhabi.
    2. You agree that the courts of Abu Dhabi will have exclusive jurisdiction to hear any dispute or claim arising out of or in connection with these Terms and Conditions or their subject matter or formation (including non-contractual obligations, disputes or claims).
    3. These Terms and Conditions shall constitute the entire agreement between the parties in respect of their subject matter.
    4. You acknowledge that in entering into these Terms and Conditions you have not relied on any representation, warranty, collateral contract or other assurance (except those set out in these Terms and Conditions) made earlier by or on behalf of the Bank. You hereby waive all rights and remedies which, but for this clause 19.4, might otherwise be available to you in respect of any such representation, warranty, collateral contract or other assurance.
    5. You agree that no failure or delay by the Bank to enforce, or exercise, or any partial, single or defective exercise or enforcement of, any right, remedy, power or privilege given to the Bank pursuant to these Terms and Conditions shall constitute a waiver or partial waiver of any such right, remedy, power or privilege or operate to prevent the exercise or enforcement of any further right, remedy, power or privilege at any subsequent time.
    6. You undertake, at the request and cost of the Bank (unless otherwise agreed or specified in these Terms and Conditions) to do all acts and execute all documents which may be necessary to give full effect to these Terms and Conditions.
    7. Nothing in these Terms and Conditions shall be construed as constituting a partnership or agency between the parties hereto for any purpose.
    8. Nothing in these Terms and Conditions shall confer, nor be intended to confer, any right or benefit on any third party.
    9. To the extent that the terms of these Terms and Conditions are published in English and Arabic and there is a dispute between the English and Arabic versions, the English version shall prevail.

Terms and Conditions for usage of MoneyGram Services

1. INTRODUCTION
   1. The MoneyGram® money transfer service (Service) is provided by MoneyGram Payment Systems, Inc. (we or us) through a network of agents, authorised delegates, or other permitted entities (Agents).These Terms and Conditions, along with the Documentation (as defined in Section 1.3 below) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (Agreement) between us with you, the individual sender of the Service (you or Sender).
   2. This Agreement and the Service allow you to send a money transfer (a Transfer) to the person named on the form (the Recipient ) and allows them (i) to collect in cash at a MoneyGram location (our cash to cash service); or (ii) to receive into their bank account or other type of physical or virtual account, for example a mobile wallet account (our cash to account service). These terms and conditions apply to both services, except where we say they apply to only one of them.
   3. You must sign any other documentation related to the Transfer, including all forms, receipts, or acknowledgments (collectively, the Documentation) in order to use the Service.
   4. By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii) have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate.
   5. For cash to cash Transfers, you can either send money within the same country or to a different receive country. The Recipient can only collect the money in the receive country stated in the form. Once the Agent has processed this form and been given your money, the Recipient can collect the money at any MoneyGram location in the receive country within minutes (during opening hours) in cash, in the currency stated in the form unless condition 2.2 below applies. We will not contact the Recipient when the money is ready to collect, so this is something you will need to do.
   6. We do not offer the Service in all countries. You can call us, visit our website or ask an Agent to find out the availability of our Service, and addresses and opening times of locations offering the Service.
2. CHARGES AND CURRENCY EXCHANGE
   1. You must pay us the fee stated in the form. We will not charge you any other fee for the Transfer. You can only send money in a certain currency or currencies. The Agent will tell you whether a payout currency is available in the receive country and (if different to the currency in which you pay us) what exchange rate will apply. Your chosen currency, the agreed exchange rate and the converted amount will be stated in the form.
   2. For cash to cash Transfers to certain countries: (i) if the Transfer amount is stated in U.S. Dollars, and the Recipient™s Agent does not pay out in that currency, they will convert the money into the local currency using either their or MoneyGram™s standard exchange rate; (ii) if the money (whatever foreign currency it is sent in) is not collected within 45 days, the Recipient™s Agent may recalculate the converted amount at the time of collection, using their or MoneyGram™s standard exchange rate.
3. RESTRICTIONS ON TRANSFERS
   1. There are limits on the amount you are able to send. The Agent will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.
4. EXPIRED TRANSFERS
   1. If you ask us to make a Transfer to be collected in cash and the Transfer amount has not been collected within 90 days, we will treat the Transfer as no longer capable of execution (an Expired Transfer). We will have no obligation, after that 90 day period, to execute an Expired Transfer. If an Expired Transfer occurs, you will be entitled to a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected please contact us to ask for a refund.
5. CANCELLING AND REFUNDING A TRANSFER
   1. You do not have a right to cancel the Transfer. We may nevertheless be able to cancel it before the Recipient collects or receives the money. If you wish to cancel the Transfer and request a refund of the Transfer amount, you can ask an Agent or write to us enclosing a copy of your completed form. We aim to process such requests promptly but in any case within 30 days.
6. IDENTIFICATION AND PAY OUT FOR CASH TO CASH TRANSFERS
   1. In order to collect the money and complete a Transfer, the following must be provided: (i) Identification; (ii) the recipient™s details from the form; (iii) the Sender™s name; and (iv) the Transfer amount.
   2. For certain Transfers (depending on the receive country and amount – your Agent has the details) the test answer you have set in the form, and/or the 8 digit reference number given to you at the time of the Transfer, may also be required to collect the money.
   3. You must not give the details referred to in condition 5.1 or (if they are required to collect the money) in condition 5.2 to anyone other than your chosen Recipient. You must also do all you reasonably can to make sure no one else can obtain them – for example, by (i) not letting anyone see the form; (ii) not writing down the test question and answer or the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient what they are; and (c) not trusting a person (other than the Recipient) who tries to assure you it is safe to disclose some or all of those details to them.
7. ADDITIONAL CONDITIONS FOR CASH TO ACCOUNT TRANSFERS
   1. We will send the money to the account you specify in the form. For information on when a payment will be credited to such an account, you need to contact the Recipient™s account provider.
   2. The Recipient™s account provider may apply its own charges to the Transfer, which do not involve us.
   3. If you ask us to send money to an account and the Transfer was not made properly or never arrived, we will promptly refund your money and our fee – unless we can show that the account provider received the money or that there was a mistake in the Recipient™s account details that you gave us.
8. SEPARATE ARRANGEMENTS
   1. In addition to their offering of our Service, Agents may offer you their own products or services such as currency exchange. These additional products or services are separate and independent from the Service, are offered under the Agent™s own terms and conditions, and do not involve MoneyGram in any way. These additional products and services are likely to have their own fees associated with them.
9. OUR LIABILITY
   1. We will not be liable to you if we break this Agreement due to: (i) abnormal and unforeseeable circumstances outside our control where we could not avoid breaking this Agreement despite all efforts to the contrary – this may include, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures; or (ii) our obligations under English or other applicable laws to which we may be subject to.
   2. We are not liable to you for more than the amount of money you send and our fee. We will not be liable for any incidental, indirect, special or consequential losses or costs you suffer or, as this Agreement is made with you as a consumer, any business losses or costs (such as loss of business profits or opportunities).
   3. Our Service is for persons 18 years and over and may not be used for escrow or trust or gambling purposes, and may only be used for a lawful purpose. Please also read the fraud warnings on the form. If you ask us to pay someone who turns out to have defrauded you, or who fails to meet their obligations to you, we will not be liable as a result.
10. OTHER TERMS
    1. We will report money transfers to any government authorities if we are required to do so by law.
    2. The Transfer and use of our Service does not involve you or the Recipient having a deposit or an account with MoneyGram.
    3. These conditions have been prepared, and will be executed, in the English language, which shall be the governing language for all purposes. In the event of any conflict between the English version of the Agreement and any translated version of the Agreement, the English version of the Agreement shall govern and we will communicate with you in English.
11. DATA PROTECTION AND PRIVACY
    1. By continuing with the transaction, you consent to the collection, use, disclosure, and transfer (including cross-border transfer) of your personal information as described in our Privacy Notice, which is available on our website at www.moneygram.com/privacy-notice.
12. CONTACT DETAILS AND CUSTOMER SERVICE INFORMATION
    1. We are committed to ensuring that you receive high quality service from us. In the event that you are dissatisfied with our Service or believe an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaints procedure or consumer protection advice, or to submit a complaint, you can:
       1. Visit our website www.moneygram.com and submit the online form;
       2. Write an email to customerservice@moneygram.com; or
       3. Write to us at: Complaints Manager, MoneyGram International, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673

Terms and Conditions for RATIBI MONEY ON DEMAND

1. Except where the context otherwise requires, the following words and phrases shall have the meanings set out below:
   1. Borrower: means the Ratibi Cardholder applying for a Ratibi Money on Demand amount.
   2. Bank: means First Abu-Dhabi Bank PJSC.
   3. Business Day: means any day on which banks are open for business in the UAE.
   4. Agreement: means these Ratibi Money on Demand Terms and Conditions.
   5. Outstanding Balance: means at any time, the Ratibi overdraft amount, plus any processing fees and charges and any other amounts due to the Bank by the Borrower under the Agreement but which are unpaid.
   6. Period: means each consecutive period of one calendar month commencing on the date provided in clause 4.1 of these Terms and Conditions. Each subsequent Period shall commence on the expiry of the immediately preceding period.
   7. Ratibi Money on Demand overdraft amount: means the aggregate principal amount advanced to the Borrower, as set out in the online Application for Ratibi Money on Demand.
   8. Ratibi Card: This means the payroll cards issued by FAB to the Company, which allows the Company™s employees to withdraw money from automated teller machines and make online purchases or POS purchases.
   9. Ratibi Cardholder: This means the employee of the Client using the Ratibi Card issued by the Bank.
   10. Client: means the Company obtaining the Ratibi Cards or any other payroll cards and issuing such cards to its employees in accordance with Ratibi Application Terms & Conditions.
   11. Due Date: A specific date in a month, as provided in Clause 4.1 of these Terms and Conditions, on which the Ratibi Cardholder shall repay in full to the Bank the amount availed through Ratibi Money on Demand on the next Monthly Payroll Cycle.
2. Conditions Precedent
   1. The Borrower shall be an existing Ratibi Cardholder (the payroll card).
   2. As security for the Ratibi Money on Demand amount made available by the Bank, the Borrower hereby undertakes:
      1. To take steps to ensure that assigns all his end of service benefits with his employer to the Bank and his employer shall pay his end of service benefits to the Bank and not to create any lien or other charge on the Borrower™s monthly salary or end of service benefits;
      2. To deposit any monthly salary and/or other income with the Bank;
   3. Upon the Borrower leaving his employment and provided all amounts due and payable to the Bank under this agreement are paid in full, the Bank will release the assignment held on the Borrowers end of service benefits.
   4. The Borrower will provide the Bank with all the required documents as necessary, to effect the assignment of his end of service benefits to the Bank, at the Bank™s sole discretion.
3. Charges and Expenses
   1. If the Borrower fails to pay any amount payable under the Agreement on its Due Date, Default Interest Rate shall accrue on the overdue amount from the Due Date up to the date of actual payment (Default Interest). Any Default Interest accruing under this Paragraph shall be due and be paid with the overdue amount.
   2. The Borrower authorizes the Bank to recover any fees and Default Interest from the Borrower™s account or Ratibi Card with the Bank if not paid on the due date.
   3. An upfront processing fee – is charged against granting the Ratibi Money on Demand amount. The processing fee amount will be displayed to the Borrower on the app to be acknowledged before the Borrower confirms the request.
4. Ratibi Money on Demand Repayment
   1. The Borrower undertakes to reimburse the Money on Demand amount and related processing fee to the Bank on the previous working day of the next Monthly Payroll Cycle the (date will be displayed on the Ratibi Money on Demand Application before the Borrower submits the request)
   2. The Borrower authorizes the Bank to debit the due and payable amounts, as well as related fees, to the Borrower™s Ratibi Card or account maintained by the Borrower with the Bank or at the Bank™s discretion to add the amounts due and unpaid to the Outstanding Balance
   3. The amounts received shall be applied by the Bank, in the following priority towards payment of (i) any outstanding fees or Default Interest; (ii) the repayment of the Ratibi Money on Demand facility amount.
   4. If the Due Date for repayment is not a Business Day, it will be paid on the previous Business Day. If the previous Business Day falls in a different Calendar Month, payment shall be made on the due date itself, regardless of it being a non-business day. The Borrower hereby authorizes the Bank to set-off any of the Borrower™s liabilities owed to the Bank against any funds available in the Borrower™s accounts or Ratibi Cards with the Bank.
   5. If the Borrower dies or no longer has legal capacity, the Outstanding Balance shall become immediately due and payable.
5. Immediate Repayment
   1. The Outstanding Balance will become immediately due and payable without any need for justification or prior notice if:
      1. The Borrower fails to repay the Ratibi Money on Demand due amount on the Due Date set out in clause 4.1.
      2. Any particulars or documents submitted to the Bank in connection with the Ratibi Money on Demand facility are found to be incorrect.
      3. The Borrower™s employment is terminated, the monthly salary is suspended, or the residence visa is canceled.
6. Applicable Laws
   1. This agreement shall be governed and construed in accordance with the laws of the Emirate of Abu Dhabi and the federal laws of the United Arab Emirates as applicable in the Emirate of Abu Dhabi.
   2. The courts of Abu Dhabi have jurisdiction over any dispute arising out of or in connection with the Agreement except for the enforcement of the overdraft facility the Customer acknowledges and agrees that nothing shall prevent the Bank from taking any proceedings before any courts whether in the Emirate of Abu Dhabi or otherwise.
   3. Any costs and expenses incurred by the Bank (including legal fees, registration fees, and any taxes) in connection with the Agreement, or in connection with any matter arising from the Agreement or any security or incurred on the enforcement of any security shall be payable by the Borrower on demand and, if not paid, the Borrower authorizes the Bank to recover any such costs and expenses from the Borrower™s account with the Bank together with any Default Interest for late payment (if applicable).
7. Acknowledgment
   1. I hereby acknowledge that all the information furnished by me in this Application is true, complete, and accurate and that I have not willfully withheld any material facts.
   2. I confirm my financial ability to make each monthly repayment as it falls due until the Ratibi Money on Demand facility has been completely repaid.
   3. I understand that the Ratibi Money on Demand facility, if approved by the Bank, is also binding on me and my heirs, including all terms and conditions, agreed between the Bank and my employer.
   4. I accept and agree to the above Terms and Conditions and the repayment terms stated in this Agreeme

LETSOGO PAYIT CARD TERMS AND CONDITIONS