I/we the undersigned(s) agree to the proper handling of mobile payment with UWallet, and I/we acknowledge my responsibility for the correctness of the information provided to you through this online application and in accordance with the terms and conditions for providing the payment service from through the mobile phone.
Terms and conditions for providing mobile payment service and opening an e-wallet account:
As the Mobile Payment Financial Solutions Company (UWallet) is a company specialized in providing mobile payment service through direct connection with the National Switch and under the supervision and control of the Central Bank of Jordan and licensed for this purpose, and where I, the applicant, wish to contract with the company/service provider for the purposes of opening An electronic wallet account and benefit from payment services through the mobile phone in accordance with the terms and conditions of those services, and accordingly I acknowledge my acceptance of these terms and conditions, and that once I submit the registration request electronically, an effective and binding agreement will be established for me so that it applies to all operations that I perform through payment services by mobile phone
Definitions
Company / Service Provider: Solutions for Mobile Payment Company, hereinafter referred to as the First Party.
Agent: The entity authorized by the Company to perform some or all of its licensed activities through its own tools or systems.
Service/Services: Mobile payment service.
Bank: The Central Bank of Jordan.
National Switch: The national system operated by JoPACC (Jordan Payments & Clearing Company), licensed by and under the supervision of the Central Bank, where companies, banks, and clients are registered for the purpose of exchanging financial transactions and documenting all operations carried out through it, which extracts net financial positions to be credited or debited, as applicable, to banks’ or settlement banks’ accounts through the RTGS (Real-Time Gross Settlement) system or any other system employed in the future.
Client: The natural person who will open an electronic wallet account in their name and agrees to these terms and conditions, and who will be registered in the National Switch through the service provider for the purpose of using the mobile payment service, hereinafter referred to as the Second Party.
Electronic Wallet: A virtual account opened with the Company in the name of the client to enable them to perform mobile payment transactions.
Electronic Money: The monetary value stored electronically and issued in exchange for receiving cash in the same currency and value, and which acts as a means of settlement that can be transferred electronically between transacting parties.
Electronic Records: Any entry, contract, or information message that is created, sent, received, or stored electronically.
Terms and Conditions of the Wallet:
The Second Party / Client acknowledges that all information, data, and documents submitted by them are accurate and original and accepts full responsibility for their content and legality.
The Client undertakes not to conduct any financial transactions related to commercial activities through their personal wallet account with the Company. In the event of breach, the Company has the right to close the wallet and take any further actions it deems appropriate.
The applicant must be at least 18 years old.
The Client authorizes the Company to send their data to the National Switch for registration purposes, and the Company commits to providing the Client with the registration result.
Upon official registration and service activation, the Company will issue a temporary password for first login, which must be changed to a new password and personal PIN upon first access to the application.
The password and PIN entered by the Client will be considered as a signature and acknowledgment for executing any requests, services, or instructions.
The Client acknowledges reviewing and understanding the service mechanism and any available instructional information.
The Client agrees to review the requirements and guidelines for electronic money services, electronic payment and transfer systems, and the instructions issued by the Central Bank, including any future amendments.
The Client agrees that all electronic records held by the Company are certified, conclusive, and binding, and agrees that the National Switch record of all transactions shall be the official reference in case of disputes.
The Client acknowledges that use of the service is subject to applicable legislation issued by the Central Bank of Jordan and other applicable laws in the Kingdom.
The Company may suspend or cancel the service at any time if there is a valid reason, without incurring liability, and will inform the Client through available channels.
The Company, its management, employees, or representatives, have the right to make any adjustments or corrections to account statements or electronic wallet records in case of errors or system malfunctions, without bearing any legal or financial liability. The Client irrevocably authorizes such actions.
The Company may immediately terminate this agreement if it is unable to perform due diligence procedures on the Client.
The mobile payment service is provided within the Hashemite Kingdom of Jordan and in Jordanian Dinar only.
The Client irrevocably authorizes the Company to debit the wallet account for any transactions executed.
The Client acknowledges that the wallet is linked to their selected mobile number and payments are made using electronic money transferred by the Company or its agents.
The Company will ensure that the service complies with all applicable regulations and anti-money laundering and terrorism financing requirements.
The Company will charge the Client a service fee for each transaction, as published through available channels.
The Client agrees that the Company has the right to set transaction limits for mobile payments, in accordance with applicable regulations.
The Company is not responsible for any unexecuted or declined transactions due to reasons beyond its control or related to third parties.
The Client must inform the Company immediately if the registered mobile number is lost or changed.
The Client must submit any complaints to the Company’s complaint center or via email at complaints@uwallet.jo.
The Client is responsible for verifying recipient details and transaction value before execution, protecting their PIN, and ensuring sufficient balance.
The Client agrees to allow their data (name/account number/service provider) to be displayed on participant payment channels via the new payment system or banks using CliQ.
The Client agrees to allow their full name to appear when receiving transfers or when inquiries are made using their mobile number or alias.
The Client authorizes the Company to take necessary measures to comply with local and international anti-money laundering and counter-terrorism financing laws and regulations.
If the wallet is not used for 12 months, the Company may freeze and classify the account as dormant in accordance with Central Bank regulations. Dormant account fees apply as published.
If the wallet remains unused for one full year, it shall be considered dormant from the date of the last transaction, and the Company may close the account without the Client’s consent if the balance is zero.
The wallet will be suspended if verification documents are insufficient, expired, or inconsistent.
The Company is obligated to notify the Client of their wallet balance after each transaction.
The Company must return funds to clients in case the service is discontinued, in accordance with the Company’s procedures.
The Client agrees to receive promotional messages and service offers via mobile, email, or social media, ensuring confidentiality of client data.
The Company commits to taking all necessary precautions to ensure the security and confidentiality of client information.
The Client agrees that the Amman Court of First Instance / Palace of Justice has jurisdiction over any disputes arising from these terms and services.
In case of the wallet holder’s death, the wallet is suspended, and its balance is transferred to legal heirs in accordance with official procedures.
Any changes to fees or commissions will be communicated to the Client 30 days in advance via the registered address, SMS, or official channels.
The Company informs clients of executed transactions via SMS or other methods as determined.
The Client can view permitted transactions via the application or Company website.
The Company will not share client data with third parties without prior written consent unless required by law, consumer protection, or data protection regulations.
The Company may terminate the agreement if due diligence procedures cannot be completed or if the Client violates the agreement or provides inaccurate documents, with notice via SMS or other means.
The Client agrees to respond to Company inquiries about their financial transactions and provide any requested documents as part of due diligence under anti-money laundering and counter-terrorism financing laws. Failure to comply may result in transaction suspension or account closure.
The Client agrees to allow the Company to disclose their personal information (e.g., full name and/or photo) to media or official parties in the event they win any Company-provided prizes.
The Client has the right to file a complaint with the service center at 0788001400 without incurring any fees or conditions. If unsatisfied with the outcome, the Client may contact the Central Bank of Jordan at 06-4630301 or fcp@cbj.gov.jo.
Card Terms and Conditions:
These terms and conditions apply if the Client wishes to subscribe to the card service linked to the electronic wallet and to issue a card in accordance with the following provisions, having read and agreed to them:
The Client holding the card shall keep the card and its data safe and is responsible for any unauthorized or negligent use of the card. The Client bears full liability, and the Company reserves the right to cancel the card without prior notice and report to the legal authorities.
The Client acknowledges understanding the nature of card usage and the procedures to be followed.
The Client authorizes the Company to designate any entity it chooses for authenticating card transactions.
In case the card is lost, damaged, or if any issues arise, the Client shall immediately notify the Company via the toll-free number 0788001400.
The Client may only use the card within its assigned transaction limit.
The Client discharges the Company from any responsibility arising from merchants refusing the card or from defects or deficiencies in goods/services purchased using the card.
The Client acknowledges that the Company’s books and records are conclusive evidence of amounts charged to the card.
The Client agrees to bear all charges made using the card, whether in foreign currency or Jordanian Dinar, including applicable fees, commissions, or currency conversion differences at prevailing exchange rates.
The card shall expire either upon its printed expiry date or upon closure of the associated wallet.
The Company may charge a declared fee for card issuance, replacement of lost/damaged cards, or for disputing transactions.
Transaction limits as set by the system administrator or the Company shall apply to card activity.
The Client grants the Company an irrevocable authorization to debit their wallet account for any transaction executed using the card.
The Client authorizes the Company to take any necessary or appropriate actions for compliance with local and international laws on anti-money laundering and combating terrorist financing.
The Client has the right to dispute fraudulent card transactions, provided the number of disputes does not exceed fifteen transactions with the same merchant. Disputes must be submitted within 120 days of the transaction for reasons such as poor service, incorrect amount, or non-receipt of goods/services, subject to review and documentation.
- The fee for disputing a transaction is five (5) Jordanian Dinars per case, deducted from the wallet. This amount will be refunded if the dispute is proven valid. Filing a dispute constitutes the Client’s prior authorization for the Company to deduct the dispute fee, and the Client must ensure that the fee amount is available in the wallet; otherwise, the dispute will not be considered valid.
Disputes will be resolved within 45 days from the date the dispute procedure is completed. The Client will be notified of the result by phone and/or SMS to the registered contact details.
I acknowledge that I have reviewed and understood the card issuance terms and conditions applied by the First Party / Company, as outlined in this request. My acceptance of this request constitutes acknowledgment and agreement to these terms without prejudice to the Company’s right to amend these provisions at any time with written and or electronically notice sent to my registered address. This document shall be considered an integral part of the wallet account agreement and subject to the same terms and conditions, and my approval of it does not nullify any other agreement with the Company.