Swiftlink Payment Services L.L.C (“Swiftlink”) values the privacy rights of its customers, merchants and corporate clients, and works aiming to keep safe and protect the personal information of the them.

This document presents Swiftlink’s policy on the management of personal information. Swiftlink is not entitled to share any personal information or potentially personal identifying information except in accordance with this privacy policy.

By accepting the terms and conditions of Swiftlink, you agree to accept this privacy policy.

Swiftlink reserves the right to change this privacy policy at any time, in such case Swiftlink will publish the new changed policy in Swiftlink’s website.

Throughout this document, Swiftlink will refer to Swiftlink website, software, App, web portal and platform collectively as “Swiftlink Services”.

Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information.

What personal information do we collect from the people that uses Swiftlink Services?

When registering on Swiftlink Services, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, UAE Valid Photo ID data, Passport Data or other details to help us serve you better.

The businesses wanting to work with Swiftlink as Merchants to accept Swiftlink as a medium of payment or as Agents to provide top up services and/or other over the counter services for Swiftlink, must also present the information of their bank account, business registration documents and other related information to verify the legality and the operation of the business.

We collect information from you when you register on Swiftlink services, fill out a form or enter information on our App, Web Site or Web Portal. When you use Swiftlink Services, we record your transactions and operations in our service, and we may collect information about your location, computer or mobile device. Additional information about you or from you may also be collected in other ways, including answers to surveys, marketing campaigns or interactions with our customer service area.

How do we use your information?

We may use the information we collect from you when you register, make a transaction, sign up for our newsletter, respond to a survey or marketing communication, surf the website, web portal or the app, or use certain other features in the following ways:

• • To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
• • To improve our website, web portal and app in order to better serve you.
• • To allow us to better service you in responding to your customer service requests.
• • To administer a contest, promotion, survey or other feature.
• • To quickly process your transactions.
• • To ask for ratings and reviews of services or products
• • To follow up with them after correspondence (live chat, email or phone inquiries)

Swiftlink may also use certain information about you with third parties, without identifying you as an individual. This with the purpose of business intelligence analysis, technical diagnostics, marketing content and security ensuring.

How do we protect your information?

We do not use vulnerability scanning and/or scanning to PCI standards. As of now, we only provide Swiftlink services based on the balance of your mobile wallet. We never ask for your PIN number.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places a transaction, submits, or accesses their information to maintain the safety of your personal information. Swiftlink stores your information securely in its servers, which are implemented in accordance with the best practices in the industry related to security and personal data management.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We also collect the Log file information reported by your browser when you visit our website, although, this Log file is automatically reported by your browser every time you visit a website. The information of this Log file may include Internet Protocol (IP) address, browser type, number of clicks, pages viewed, and other information related.

We use cookies to:

Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, Some of the features that make your site experience more efficient may not function properly. It won't affect the user's experience that make your site experience more efficient and may not function properly.

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website, web portal and app hosting partners and other parties who assist us in operating our services, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Other Swiftlink users that make transactions with you may have access to some of your information, such as phone number, name and other public profile data.

Swiftlink will also share your information with government entities, representatives or law enforcement authorities when they require us to do so, in order to comply with legal mandates or to report activities that may seem suspicious, or that can prevent illegal actions. Swiftlink might also share information with the mentioned entities when we consider that such information can be useful to prevent physical harm, illegal actions, money laundry, financial loss and breaches in our policies and agreements.

Except as otherwise described in this Privacy Policy, Swiftlink will not disclose Personal Information to any third party unless required to do so by law or subpoena or if we believe that such action is necessary to (a) conform to the law, comply with legal process served on us or our affiliates, or investigate, prevent, or take action regarding suspected or actual illegal activities; (b) to enforce our User agreement, take precautions against liability, to investigate and defend ourselves against any third-party claims or allegations, to assist government enforcement agencies, or to protect the security or integrity of our site; and (c) to exercise or protect the rights, property, or personal safety of Swiftlink, our Users or others.

Third-party links

Occasionally, at our discretion, we may include or offer third-party products or services on our website, web portal or App. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in the future.

Swiftlink agrees to the following:

Users can visit our site anonymously. Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website. Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.

You will be notified of any Privacy Policy changes:
• On our Privacy Policy Page

Can change some of your personal information:
• By calling us
• By logging in to your account

Does our site allow third-party behavioral tracking?

It's also important to note that we do not allow third-party behavioral tracking

Children Online Privacy Protection

We do not specifically market to children under the age of 18 years old.

Swiftlink does not knowingly collect or solicit personal information from anyone under the age of 18 or knowingly allow such persons to register in Swiftlink Services.

No one under age 18 is allowed to provide any personal information to Swiftlink. If we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information as quickly as possible.

Fair Information Practices

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify you via email
• Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

SPAM

We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
• Send you additional information related to your product and/or service
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

We agree to the following:
• Not use false or misleading subjects or email addresses. • Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at
• Follow the instructions at the bottom of each email. and we will promptly remove you from marketing, newsletter and transaction notification correspondence.
• We might still use your email to communicate with you for customer service purposes.

Notification Procedures

Swiftlink reserves the right to send the customers notifications, when it is required by law, when there is a marketing campaign, when a transaction is processed or when other business-related event happens. Swiftlink reserves the right to determine the form and means of providing notifications to its clients.

Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.
Swiftlink Payment Services L.L.C Latifa TOWER,
(Level 30),
Sheikh Zayed Road - Dubai - UAE
info@swiftlink.ae
www.swiftlink.ae
Phone: +97143344114

1. OUR AGREEMENT

These are the terms and conditions ("Conditions of Use") upon which You may use our Mobile Wallet Services (hereinafter, “the Services”). You must read them carefully before deciding to register for the Services. By signing the registration form attached to these Conditions of Use, You agree that We should register You as a user and that You have received, read, fully understood and accept these Conditions of Use. Please note that these Conditions of Use together with your e-registration form constitute a binding agreement between you and us. If you do not accept these Conditions of Use,
You must not proceed to register for and/or use the Services.

2. WHAT WE MEAN

• 2.1 "Account" - means Your Mobile Wallet account, which is the record of Your E-Money maintained and administered by us.
• 2.2 "Merchant(s)" - means person(s) registered or authorized by Swiftlink Payment Services L.L.C to provide the Services. The details of merchants may be obtained from the Customer Call Centre or from our website.
• 2.3 "Agreement" - means these Conditions of Use together with the e-Registration.
• 2.4 “Cash” - means UAE Dirham, being the lawful currencies in UAE or the official currency of any future countries the service shall be offered;
• 2.5 “Cellphone” - means the mobile device used by you to access the Services.
• 2.6 "Credit Balance" - means the amount of E-Money in Your account
• 2.7 "Debit" - means the transfer of E-Money out of Your Account.
• 2.8 "Debit Transaction" - means any transaction which results in a Debit of E-Money from Your Account as verified by Our Mobile Wallet system.
• 2.9 "Designated Payee" - means any person (including yourself, another user or an merchant) who is designated by you, to be the recipient of E-Money from Your account.
• 2.10 "E-Money" - means the electronic money issued by Swiftlink Payment Services L.L.C and representing a value equivalent to a user’s cash entitlement held in trust by the Trustee Bank in the Trust Account;
• 2.11 "Identification (ID) Number" - means the number associated with the form of identification provided to our satisfaction including passport number, national identity card number etc.
• 2.12 "Mobile Wallet Services" - means the "Swiftlink Payment Services L.L.C Money Transfer Services" to be offered by Swiftlink Payment Services L.L.C, which will enable you to perform the Transactions specified under clause 7.1.
• 2.13 "MSISDN" - means your cell-phone mobile number.
• 2.14 "Network" - means the Global System for Mobile telecommunication ("GSM") system operated by any licensed operator and covering those areas within the UAE as stipulated from time to time by us.
• 2.15 "PIN" - means your personal identification number being the secret code you choose to access and Your Account and authorize transactions.
• 2.16 "Pre-paid Airtime" - means mobile phone calling credit on provider's Network.
• 2.17 "SIM Card" - means the subscriber identity module which when used with your cellphone enables you to access and use the Mobile Money Services.
• 2.18 "SMS" means a short message service consisting of a text message transmitted from one Cellphone to another.
• 2.19 “Subscriber” – means any person who is a holder of a Vodacom mobile number whether as prepaid, hybrid or contract customer.
• 2.20 "Transfer Instructions" means instructions given through the application for the transfer of E-Money from one user to another.
• 2.21 "Trustee" means UAE registered Bank or any other partner banks which holds or may hold the aggregate of all sums equivalent to E-Money in users accounts.
• 2.22 Trust Account" means the bank account maintained by the Trustee into which all payments for E-Money are made and held by the Trustee on behalf of Users.
• 2.23 “User” means every person that uses the Mobile Money Services, whether registered or unregistered.
• 2.24 “Application Menu” means the application use case menu on Your Cellphone that lists all the Services. This can be accessed from the user application platform.
• 2.25 "We" or "us" or "our" means Swiftlink Payment Services L.L.C
• 2.26 “Swiftlink Payment Services L.L.C” – means Swiftlink Payment Services L.L.C
• 2.27 "You" or "Your" means the Customer

3. HOW TO REGISTER FOR AN ACCOUNT

• 3.1 Any UAE mobile subscriber who has a smartphone may register for a Mobile Wallet account by completing basic registration on the app. For more services such as international remittance a one time fill a full KYC registration form and submit it to an merchant.
• 3.2 Minors and other persons who do not have contractual capacity in terms of the laws of UAE will not be allowed to register for a full Mobile Wallet account.
• 3.3 To register for an account, You will be required to:
• 3.3.1 provide all of the details and particulars required in the Registration Form to Our satisfaction; and
• 3.3.2 Provide a copy of Your ID document together with the original ID document for verification.
• 3.4 Once You have completed the Registration Form and provided the merchant with copies of all documentation required, the merchant will deliver all of these documents to Us for record keeping. Please note that Swiftlink Payment Services L.L.C reserves the right to decline to register and open an account for You.
• 3.5 After You have been successfully registered and an account created for You, You will receive a confirmation SMS on Your cellphone. You can then activate Your account by following the instructions on Your App menu.
• 3.6 Once Your account has been activated, You will be required to create a PIN, which will entitle You to use the Services with immediate effect.
• 3.7 You may not open more than one account on the same number and ID with Us.

4. TRANSACTION FEES

• 4.1 You will pay fees when You perform transactions. Applicable fees shall be displayed before the completion of any transactions, you can also check such fees from our website at www.maestropay.com.my under the Swiftlink Payment Services L.L.C section which can be accessed from the home page.
• 4.2 Fees payable on each transaction will be deducted from Your Mobile Money account on conclusion of each transaction and Your new balance on conclusion of the transaction shall be notified to You by SMS.
• 4.3 Fees include applicable taxes.
• 4.4 Swiftlink Payment Services L.L.C may revise applicable fees from time to time. We will notify You of such change through any communication medium as we may determine10 days prior to introducing the revised fees.

5. USING YOUR ACCOUNT

• 5.1 Transactions
• 5.1.1 You may use Your account to perform the following transactions from Your Cellphone:
• 5.1.1.1 Purchase E-Money by making a payment in cash (cash-in) directly to an merchant in exchange for an equivalent amount of E-Money to be credited into Your account.
• 5.1.1.2 Exchange E-Money for cash (cash-out) (to be available on a letter date)from an merchant by sending a transfer instruction to our Mobile Wallet platform pursuant to which the merchant will pay the equivalent amount of cash to You.
• 5.1.1.3 Send E-Money to a registered user;
• 5.1.1.4 Send E-Money to an unregistered user.
• 5.1.1.5 Buy prepaid airtime from your provider with E-Money.
• 5.1.2 We reserve the right to add or substitute other transactions and functionalities to the Services from time to time and We will notify You of such additions or substitution from time to time through such communication medium as We may determine.
• 5.1.3 All Debit Transactions from Your account will be effected by transfer instructions authorized with Your PIN or such other method we may prescribe from time to time. You therefore acknowledge that, unless and until Swiftlink Payment Services L.L.C receives notice from You that Your phone has been lost or stolen, Swiftlink Payment Services L.L.C may rely on the use of the PIN as conclusive evidence that a Debit Transaction has been authorized by You, even if it is actually made without Your authority. Swiftlink Payment Services L.L.C shall not require any written confirmation of any transaction instruction.
• 5.1.4 Swiftlink Payment Services L.L.C may carry out identity and/or security checks when We receive Your transfer instructions and We may refuse any transaction if we are not satisfied with the results of Our checks.
• 5.1.5 You will not be able effect any transactions from Your account in the event that You do not have sufficient E-Money to meet the value of the transaction plus fees applicable thereto.
• 5.1.6 It is Your responsibility to ensure the correctness of the details of the designated payee and amounts which You intend to transfer before You effect a transaction. Swiftlink Payment Services L.L.C shall not be liable for reimbursing You for E-Money sent to a wrong recipient by You nor will it be obliged to reverse any wrongful transaction.
• 5.1.7 Airtime is not a substitute for E-Money. You may not use Your airtime to effect Mobile Money transactions.
• 5.1.8 We will confirm all Your successful transactions by sending You a confirmation message with total transaction amounts.
• 5.2 Transaction Limits
• 5.2.1 You may not affect any transactions which, in aggregate, exceed the transactions limits. Theses Limits are imposed as per the directions of UAE Central Bank “Regulatory framework store value & electronic payment systems” published in January 2017.
• The transactions limits may change from time to time as per UAE Central Bank regulations and Swiftlink Payment Services L.L.C will notify You of such change through such communication medium as We may determine.
• 5.2.2 Any transactions which exceed the transaction limits will not be processed.
• 5.3 Statements on Your account
• 5.3.1 You may obtain a balance on Your account using the "balance enquiry" function under my account menu at no cost to You. Please note that printed statements will not be provided, but a longer statement can be sent to your e-mail at no cost

6. SECURITY MEASURES

• 6.1 You are at all times responsible for the safekeeping and proper use of Your Cellphone and PIN in relation to the Mobile Wallet services. As a measure to ensure the security of Your account, You will be given only 3 attempts to enter the correct PIN. If You enter the wrong PIN on Your third attempt, Your account will be deactivated. To reactivate Your account, You will be required to call the Customer Call Centre and follow the verification process directed by the Customer Call Centre merchant.
• 6.2 Only You may use Your Cellphone and PIN to access Your account and You will be responsible for all transactions made from Your account.
• 6.3 Do not disclose Your PIN to anyone, including but not limited to Your family members, employees of Swiftlink Payment Services L.L.C (including Customer Call Centre and Swiftlink Payment Services L.L.C merchants or merchant employees), employees of the Trustee Bank, merchants etc.

7. SUSPENSION AND DISCONNECTION OF THE SERVICES/CLOSURE OF ACCOUNT

• 7.1 We may suspend, restrict or terminate provision of the Service and/or close Your account without informing You and without any liability whatsoever (although, We will, where possible, try to inform You that such action is or may be taken) if:
• 7.1.1 We are aware or have reason to believe that Your Cellphone, PIN or Application is or are being used in an unauthorized, unlawful, improper or fraudulent manner or for criminal activities (or has been so used previously);
• 7.1.2 You do not comply with any of the conditions relating to the use of the Services which have been communicated to You by Us, including these Conditions of Use;
• 7.1.3 You notify Us that Your Cellphone or SIM card has been lost or stolen or Your PIN has been disclosed to any other party;
• 7.1.4 You do anything (or allow anything to be done) with Your Cellphone which We think may damage or affect the operation or security of the Services;
• 7.1.5 Your Cellphone number is disconnected from the network you initially registered with.
• 7.1.6 We will close Your account where You have not provided a certified copy of Your ID document or a reliable certified ID document per clause 3.3.2 above within 30 days after being notified to provide the document.
• 7.2 We will close Your account on receiving a written request from You to do so or upon receiving written notification about Your death.
• 7.3 We will not be responsible to You for any direct, indirect, consequential or special damages arising from any act or omission by us or any third party for whom we are responsible, whether arising in contract, or statute, if we close or suspend Your account in terms of this clause 7.

8. GETTING ASSISTANCE

• 8.1 You may call the Customer Call Centre on 114 if You want to do any of the following:
• 8.1.1 receive information about merchants;
• 8.1.2 query Your account;
• 8.1.3 query any transactions performed through Your account;
• 8.1.4 have a problem with the Service;
• 8.1.5 lodge a complaint; and/or
• 8.1.6 require further information regarding the Services and our complaints procedure.
• 8.2 Mobile Money Services in UAE are regulated by the Central Bank of UAE. If You are not satisfied with the outcome of a complaint, You are welcome to approach the Central Bank with a request to intervene.

9. YOUR RESPONSIBILITIES

• 9.1 It is Your responsibility to ensure that the information You provide to Swiftlink Payment Services L.L.C about Yourself is accurate. To this end, You undertake to Swiftlink Payment Services L.L.C that any information You have provided to us is true and correct and that You will provide any additional information that we may require from time to time, failing which We will suspend Your account.
• 9.2 You will be responsible for payment of all applicable fees for any transaction effected using Your application and your PIN whether these were made by You or someone else with or without Your authority or knowledge.
• 9.3 You must not use the Services to commit any offence(s).
• 9.4 In the event of damage to, loss or theft of your phone, You are obliged to inform us immediately of such damage, loss or theft. We will then disable such damaged, lost or stolen SIM Card so as to prevent possible use of the Services until the SIM card has been replaced.
• 9.5 You will be responsible for all fees and transactions effected up to the time of receipt by Swiftlink Payment Services L.L.C of Your report of the damage to, loss or theft of Your phone.
• 9.6 You must comply with any instructions that Swiftlink Payment Services L.L.C may issue from time to time about the use of the Mobile Wallet Services.

10. REFUNDS

• 10.1 We will refund Your transaction amount and fee or Your credit balance if:
• 10.1.1 You send E-Money to an unregistered user who does not redeem the E-Money within 7 days and You cancel the transaction after the expiry of the 7 days.
• 10.1.2 You close Your account while You still have E-Money in it. A refund resulting from closing an account will be treated as a cash-out transaction and will attract fees applicable to cash-out transactions. Refunds resulting from closing an account will be paid in cash and can be made by any registered merchant following receipt of a request from You to close the account.
• 10.1.3 You have been wrongly charged by Swiftlink Payment Services L.L.C or where it is established that Your account was debited without proper transfer instructions authorized by means of Your PIN.
• 10.2 To cancel a transaction, or query your account (for unauthorized transactions and erroneous charges) and request a refund of the transaction amount and fee or unauthorized transaction amount or erroneous charge as the case may be, You need to contact the Customer Call Centre. We will process such request and will credit the refund to Your account.
• 10.3 In the event that Your account is closed as a result of Your death, the credit balance in Your account shall be paid over to a beneficiary stated in a beneficiary nomination letter or administrator nominated in the letters of administration issued by the Master of the High Court.
• 10.4 We will endeavor to effect refunds as soon as possible but in any event not later than 5 days from the date on which a claim for refund was made by You.
• 10.5 Swiftlink Payment Services L.L.C does not have any obligation to cancel any transfer instructions and refund You in the event of any dispute with any designated payee. When a reversal has been requested, Swiftlink Payment Services L.L.C will contact the receiving party before a reversal is initiated.
• 10.6 If You have E-money left in Your account which has not been accessed for more than 10 years, we will transfer the cash equivalent of that E-Money to the relevant authorities in UAE.

11. CHANGES

We reserve the right to change these conditions of use from time to time. We shall give You 21 days’ notice of any proposed changes through such communication medium as We may determine and You shall be deemed to have been notified of any such variations regardless that the same may not have actually come to your attention. After 21 days, the changes will be deemed to be fully effective. If You do not agree with the changes, You must terminate the Services, otherwise You shall be deemed to have accepted the changes.

12. EVENTS BEYOND OUR CONTROL

We may not be able to provide the services or perform our obligations as a result of events which are beyond our reasonable control including failure, malfunction or delay in banking channels and networks, Our networks, Your Cellphone or SIM card. Swiftlink Payment Services L.L.C will not be responsible for any loss arising as a result of the occurrence of such events

13. YOUR PERSONAL INFORMATION

• 13.1 You acknowledge and agree that we may disclose and/or receive personal information, communications or documents about You:
• 13.1.1 to and/from national and international law enforcement or any competent regulatory or governmental agencies to assist in the prevention, detection or prosecution of criminal activities or fraud.
• 13.1.2 to Our legal advisors, financial advisors or auditors, or to a court of law in connection with any legal or other proceedings.
• 13.1.3 to Our parent company and its affiliates who will process Your personal information to market and sell its products and services to You.
• 13.2 You agree that all of Your information, including personal information and Your transactions will be recorded and Centered for record keeping purposes for 10 years from the date on which Your Account is closed.
• 13.3 You consent that all transactions may be monitored or recorded by Us in accordance with the laws of UAE, for use in business practices, prevention of unauthorized use of Our mobile wallet platform, and in respect of the detection and prevention of crime

14. LIABILITY AND EXCLUSIONS

• 14.1 In the event that we are compelled to change or reassign Your account details to meet regulatory requirements or for any other reason, Our liability will be limited to retaining Your account and where possible, transferring Your account to a new regulated format, failing which You will be paid out the credit balance in Your account in cash.
• 14.2 We make no representations and give no warranties of whatsoever nature to and in favor of You, whether express or implied in respect of the Services.
• 14.3 All merchants are no more than independent third parties authorized by Swiftlink Payment Services L.L.C or an approved partner to provide the Services and no partnership exists between Swiftlink Payment Services L.L.C and the merchants. We accordingly bear no responsibility or liability for any default or negligence on the part of the merchants in providing the Services.
• 14.4 We will use commercially reasonable efforts to ensure that the Service is secure and cannot be accessed by unauthorized third parties. We shall not be liable for any loss which You suffer unless it is directly caused by our being grossly negligent or deliberately acting wrongly. Our liability for such acts will be limited to the amount of the loss that an ordinary person in Your position would have suffered. For the avoidance of doubt, any such liability shall exclude liability for indirect, punitive, special and/or consequential losses and/or damages.

15. NOTICES

• 15.1 We are entitled to send information to You via SMS to the contact Mobile Phone number supplied on Your application form. These SMS's are for information purposes only.
• 15.2 You should send any legal notice to us at our chosen address:
Latifa Tower, (Level 30), Sheikh Zayed Road - Dubai - UAE

16. GENERAL

• 16.1 You will pay all our expenses for recovering any amounts You owe us including legal fees, collection fees and tracing fees.
• 16.2 You must notify us immediately of any change of Your details in Your Registration Form.
• 16.3 All copyright, trademarks and other intellectual property rights used as part of the Services or contained in our documents are owned by Swiftlink Payment Services L.L.C or its licensors. You agree that You acquire no rights thereto.
• 16.4 This Agreement may not be assigned to any other person.
• 16.5 No failure or delay by either of us in exercising any right or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise thereof or the exercise of any other right or remedy.
• 16.6 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.
• 16.7 If any provision of these Conditions of Use shall be found by a court or of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision shall not affect the other provisions and all provisions not so affected by such invalidity or unenforceability shall remain in full force and effect.
• 16.8 Although Swiftlink Payment Services L.L.C will try to ensure that You are able to make full use of the services at all times to access Mobile wallet Services within Our platform, We do not guarantee that the Mobile Wallet Services will be available at all times. Swiftlink Payment Services L.L.C will not be responsible or liable for any loss whatsoever or howsoever arising as a consequence of any non-availability of the Mobile Money Services.
• 16.9 We will not pay interest on E-Money held in Your account.

17. DISPUTE SETTLEMENT AND GOVERNING LAW

• 17.1 This agreement is governed by the laws of the UAE.
• 17.1.1 Any disputes arising out of this agreement and which cannot be settled amicably by You and Us will be submitted to litigation in the Magistrate Courts even if the claim made by either You or Us exceeds the jurisdiction of such courts.