Orange Money Applied general conditions

These terms and conditions have been issued by Petra Mobile Payment Services Company in accordance with the mobile payment instructions and the legislation issued by the Central Bank of Jordan. The company is entitled to amend these terms and conditions in the event of any change to the special terms and conditions applied to the above service.

Definitions

The following definitions apply under these general terms and conditions:

  • Service provider: Petra Mobile Payment Services Company, incorporated under the laws of the Hashemite Kingdom of Jordan, registered in the companies register under No. 1323, and hereinafter referred to as the company, service provider or Orange Money.
  • Service: Mobile payment service by direct connection to. The Instant Payment System – CliQ directly, or the service provided by Petra Company for mobile payment services (Orange Money) directly.
  • Agent: One of Petra Mobile Payment Services Company authorized mobile is providing payment or cash withdrawal services through mobile phones, linking Visa cards, and opening wallets through mobile.
  • Bank: Central Bank of Jordan.
  • Relationship with the customer: The terms and conditions and any other attachments governing the relationship between the company and the customer, under which the customer will be provided with the service after opening the electronic wallet to take advantage of the mobile money services.
  • Customer: The person who opens an electronic wallet in his name, who has agreed these terms and conditions, and who has been registered in The Instant Payment System CliQ through the company for the purpose of using the mobile money services.
  • Electronic wallet: The virtual account (on a smartphone) issued by a licensed payment service provider regulated by the Central Bank of Jordan, assisting the customer in conducting financial transactions through a mobile phone.
  • Electronic money: The monetary value stored electronically, magnetically or by any other means, which is issued in exchange for receiving cash of the same type and value of the currency itself and is a means of transferable fulfillment between the parties dealing with it by electronic means.
  • The Instant Payment System CliQ : A system operated by the Jordan Payments and Clearing Company (JoPACC) and supervised by the Central Bank of Jordan in which banks, companies and customers are registered in order to exchange financial transactions and document all transactions carried out through it.

 

 

How to subscribe to the service

To subscribe to the service, you must follow the steps displayed on the application., Fill in the personal details and fields related to the customer information, read and agree to the terms and conditions to subscribe to the service. Customer’s duties

  1. The customer must be at least 18 years of age.
  2. The customer acknowledges that all the data, information and documents submitted by him are correct and proper. The customer acknowledges his full responsibility for what is contained therein, the extent of its legality, all matters related thereto and/ or its consequences.
  3. The customer authorizes the company to send his data to The Instant Payment System CliQ for the purposes of his registration; and the company shall send the result of the registration process to the customer.
  4. The customer acknowledges that he/ she has seen and understood the mechanism of the work of the services and any guideline information printed or published on the company's website.
  5. The customer acknowledges their commitment to , the operating framework and instructions issued by the Central Bank in this regard, and any modifications thereto.
  6. The customer agrees that the electronic record, which is saved and extracted on the company's systems and connected to The Instant Payment System CliQ for all transactions and processes carried out through The Instant Payment System CliQ, is the electronic record adopted in the event of any dispute.
  7. The customer acknowledges and agrees that the company/ service provider has the right to suspend and/ or cancel the service at any time it wishes, in accordance with the instructions of the Central Bank in this regard, after informing the customer of all available means without incurring any liability to the company/ service provider.
  8. The customer authorizes the company an absolute and irreversible mandate to register the value of any transaction carried out on the wallet of the customer’s electronic wallet with the company/ service provider.
  9. The customer acknowledges his knowledge that the electronic wallet is connected to the mobile phone number provided and selected by him, so that payment is made by electronic money The deposit in the customer wallet. to the customer’s electronic wallets for the cash received. This electronic money is then handled by the customer.
  10. The customer acknowledges that he/she has reviewed the limits and/or fees related to mobile phone payment transactions issued by the service provider and any amendments thereto, which are published on the company's website or any other means of publication.
  11. The customer shall be responsible for notifying the company immediately in the event of loss and/ or change of mobile phone number registered with the company.
  12. The customer shall be responsible for ensuring the details of the transaction in terms of the phone number of the recipient and the value before carrying out the transaction and to ensure that the password is protected (do not attach the password with the phone or disclose the password to any other person). He shall abide by all the rules of security and confidentiality as recognized by the company.
  13. The customer acknowledges and agrees that the company will not be responsible for any faults and/ or damages and/ or expenses incurred by the customer as a result of any breach of these terms and conditions. The customer shall abide by and undertake to bear all the compensations, claims and damages to which the company may be subjected as a result of any breach of these terms and conditions and/ or for whatever reason or when there is a claim by any other party.
  14. The customer acknowledges his knowledge that if he does not use his electronic wallet for one year from the date of the last financial transaction, the electronic wallet will be dormant in accordance with the relevant legislation and instructions issued by the Central Bank in this regard; and that if the customer wishes to activate the electronic wallet, the customer or his legal representative shall visit the company or one of its authorized agents to reactivate the electronic wallet.
  15. The customer acknowledges and agrees that the company reserves its right at all times to amend the terms and conditions related to this service without giving reasons, including the rates of the service or the fees , after being notified of this amendment through SMS or any appropriate media and communication channels. He also acknowledges his compliance with these terms and conditions, after they have been amended. He agrees that if he uses this service(s) after any amendments or changes to their terms or conditions, he accepts and approves all of the new and/ or amended terms and conditions.
  16. The customer acknowledges and agrees that in the event of any rate adjustment by the company, the adjusted service rates will be applied one month after the customer is notified of such adjustment.
  17. The customer acknowledges that the company reserves the right to refuse and/or commentary to open an electronic wallet account or to suspend and close the electronic wallet at any time, at the company's discretion, in any of the following cases, including but not limited to:
  1. If the customer fails to meet any of the company's requirements.
  2. If the customer violates any of the applicable laws and regulations.
  3. If the customer violates any of the terms and conditions of the service.
  4. Enforcement of an order or request from a judicial, security or official authority.
  5. The company has the right to close the customer wallet if the balance is zero and the wallet status is dormant.

In any case, the company shall not be responsible for compensating the customer for any direct damages caused by the closure and/ or suspension of the customer’s wallet for any reason.

 

  1. The customer has the right to file a complaint with the company/ customer complaints unit and/ or to call the free toll number of the Complaints Center at any time. In the event that the complaint has not been processed, he has the right to file a complaint with the Central Bank in accordance with the instructions issued by the Central Bank in this regard.
  2. It is agreed between the two parties that the company has the right to stop  the service in the event that the company is unable to complete the due diligence procedures contained in the instructions issued by the Central Bank
  3. the customer authorizes the company to debit and deduct amounts from his electronic wallet in order to settle any transactions, fees and commissions owed by the customer. If the electronic Wallet balance is insufficient to cover the value of the transaction and the fees, the company has the right to reject the transaction.
  4. The customer must notify the company of any change to his address, contact details or mobile phone number.
  5. All electronic wallet transactions carried out by the customer are final and irrevocable.  the customer may not ask the company to cancel or invalidate any transaction or movement he makes.
  6. the customer agrees to allow the company to contact him directly to offer services and offers that meet his needs. The customer agrees to receive promotional messages on his mobile phone and/or notifications" for the company's services.
  7. The Customer acknowledges that his/her personal data will be collected, stored and retained for purposes relating to the work of the Company / Service Provider and that its disclosure and / or processing will be in exceptional cases and / or for the purposes of improving the service provided by the Company and / or to provide offers to the Customer according to his/her needs and  in accordance with the instructions of financial consumer protection for payment companies and electronic transfer of funds and/or the relevant applicable legislations

 

 

  1. The customer acknowledges his knowledge and consent to share his personal data with third party companies, institutions, consultants and/or government agencies for marketing and/or advertising purposes and in accordance with the interests of all parties and in a manner that does not conflict with the provisions of the financial consumer protection instructions for electronic payment and transfer companies of funds and/or relevant legislation in force
  2. The Customer acknowledges and agrees that the Company reserves the right at all times to modify the terms and conditions related to the Service without giving reasons, including service prices, after notifying him/ her of such modification through SMS and/or notifications or any other means of communication and after the approval of the Customer in any way the Company deems appropriate. In which the Customer's use of any of the services after such modifications is considered as an acceptance and approval of all new and/or modified terms, conditions, and terms.
  3. The customer acknowledges not to use his/her wallet for dealing with virtual currencies.

Company’s duties

  1. The company shall provide the agreed service in accordance with the applicable laws, regulations, instructions and these terms and conditions.
  2. The company shall keep the confidentiality of the customer’s information and shall not disclose it, except for the information which the customer agrees to publish and/ or the information that is disclosed in accordance with the request of the security authorities and/ or judicial authorities and/ or at an official request of the Central Bank in accordance with the legislation in force.
  3. The company shall take all necessary actions to comply the service with all legislations applicable in the Kingdom, any instructions issued by the Central Bank, and compliance with anti-money laundering and terrorist financing requirements.
  4. The company charges the customer a fee due to the company for some of the transactions/ movements carried out by the customer when using the mobile payment Services.
  5. The company shall inform the customer about the balance of his electronic wallet as soon as any financial transaction on his electronic wallet takes place.
  6. The company shall refund the amounts to customer in the event that the company ceases to provide the service in accordance with the procedures contained in the legislation in force.
  7. The company shall stop the service at the request of the customer at any time without charging him any fees. The company should take the necessary actions to return the amounts due to the customer after notifying the customer in paper or electronically regarding stopping the service, execution of the closure of the electronic wallet, and the disconnection of the link of the electronic wallet with the mobile phone number.
  8. The company shall take all necessary actions and precautionary measures to ensure the security and confidentiality of the customer’s information in accordance with the legislation in force.

Customer’s Rights

  1. The customer has the right to withdraw his approval, which has already been given in writing, electronically, and in case the information is withdrawn, the status of the client's wallet will be reassessed to be fully maintained or discontinued in the event that this withdrawal affects the company's ability to identify the customer or provide service to him.
  2. The customer has the right to object, either in writing or electronically, to the processing of their personal data if it is unnecessary, excessive for its requirements, or in violation of the applicable laws in the Kingdom. The client has the right to request the correction of his/ her personal data. All documents supporting his claim must be attached to his request.
  3. The customer has the right to request, either in writing or electronically, the deletion of their personal data or part thereof if it is unnecessary for the purposes for which it was collected or if the purpose for which it was collected has ended.

Conflict resolution

The customer acknowledges and agrees that Any dispute arises and/or concerning the services provided which cannot be amicably settled shall be referred to the court of Amman center (Qasr Al Adel).

Force majeure

The company shall make every effort to ensure the functionality of the services. However, the company will not be responsible for any fault, interruption of service or other incidents beyond its control; and in particular, it will not be responsible for force majeure or any fault caused by a third party, caused by the conduct.

 

 

 

Orange Money Visa Cards Terms & Conditions:

 

These terms and conditions have been issued by Petra Mobile Payment Services company under the mobile payment instructions and the legislation issued by the Central Bank of Jordan and shall apply on the relationship between Petra Mobile Payment Services Company and any customer applying for Orange Money Visa attached to Orange Money wallet.

Definitions:

The following definitions apply as per these general terms and conditions:

Terms and conditions: Means the terms and conditions showing the use of the Visa attached to the Orange Money wallet, rights, and obligations of the applicant, the company, and any modification thereof.

Company: Petra Mobile Payment Services

The Orange Money card, authorized by Visa, enables the cardholder to withdraw funds, make purchases, engage in electronic shopping, or conduct any approved financial transactions.

Customer: Any person applying to get Visa Companion Card.

Terms and conditions:

1. The Orange Money card is a Visa card associated with an Orange Money wallet, issued for a specified fee and used by the holder to pay for purchases online or at local and international points of sale. It can also be used for cash withdrawals through ATMs, subject to withdrawal fees according to the approved commission list of the banks executing the transaction.

2. The customer may not use the card except within the limits of Orange Money wallet available balance.

3. The card is strictly personal and cannot be transferred, lent, resold to any other person, or marketed for trading purposes to benefit from price differentials or used for third-party services in exchange for profit margins for the client through any e-commerce websites or any other method using Visa logos and/or the company. The use of the card is limited to the cardholder only.

 

4. The customer undertakes to use the card for legitimate purposes only, and not to use it for illegal purposes.

5. The customer acknowledges that all transactions made on the card are correct, taking full responsibility without any liability on the company or its employees.

6. The customer acknowledges receiving the card free of any defect.

7. The cardholder shall not have the right to object to any transaction made by the card with or without their knowledge.

8. The customer undertakes to maintain their PIN and acknowledges that the company is not liable for any fraud related to the use or loss of the card, the cardholder shall not be entitled to object to any transactions made or done on their card and shall be solely responsible for the expenses and transactions related to the card and its consequences.

9. The cardholder undertakes to use their card responsibly, ensure its safety, and avoid misuse. In case of loss or theft, the cardholder is obliged to immediately report the loss or theft to the company or any Visa card center by phone through call centers and customer service. If the card is found, the cardholder commits to inform the company in writing through authorized communication channels.

 

10. The customer agrees to pay card issuance fees, in addition to a card renewal fee based on the fees applied by the company.

11. The cardholder hereby agrees that the company shall have the right to enforce the rules and regulations issued by Visa International relating to the card.

12. This agreement shall be governed by the laws and regulations applied in the Hashemite Kingdom of Jordan, any dispute between the parties concerning this agreement which cannot be amicably settled shall be referred to the courts of Amman Center (Qasr Al Adel).

13. The company shall not be liable if the card is not accepted by any merchant or legal entity (third party), and shall not be liable for any dispute or conflict that arises between the customer and the third party.

14. The company shall not be held responsible for any defect or deficiency in the goods and services obtained by the customer, including cash withdrawal.

15. The customer acknowledges the risks of using the card for the purpose of purchasing or requesting services through the internet, mail or phone and the possibility of disclosing the card information to others, which may entail unauthorized use of the card.

16. The customer has the right to use the card balance during the validity period of the card, which is printed on the face of the card and cannot use it after it’s expired unless it is renewed.

17. The customer agrees to pay both cash withdrawal and balance withdrawal fees according to the list of fees approved by the company.

18. The customer acknowledges and agrees that the company reserves its right at all times, to amend the terms and conditions related to this service without giving reasons, including the rates of the service after being notified of this amendment through SMS or any appropriate media and communication channels. They also acknowledge their compliance with these terms and conditions, after they have been amended, to agree that if they use this service after any amendments or changes to their terms or conditions, they accept and approve all of the new and/ or amended terms and conditions.

19. The company has the right to cancel or suspend the card at any time without referring to the customer or giving reasons.

20. The customer agrees to pay replacement fees in case of damage or breakage of the card resulting from misuse, according to the list of approved commissions and fees

 

21. The customer acknowledges that all information contained in the Card Issuance Application is correct and undertakes to update such information and data immediately after any change.

22.The customer acknowledges not to share card information or data with any person and to maintain the confidentiality of this information.

23. The customer acknowledges full responsibility in case of sharing any card information on online shopping websites.

24. The customer agrees to receive and display the PIN of the card associated with the orange money wallet through the mobile application.