Amman,JORDAN
0788001400 / 062004010

Terms and Conditions for Subscribing to UWallet

I/we/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

  1. Tariffs:
  • Company/Agent: The Mobile Payment Financial Solutions Company or one of the companies approved by the Mobile Payment Financial Solutions Company to provide the UWallet service.
  • Service Provider: The Mobile Payment Financial Solutions Company.
  • Service/Services: A mobile payment service.
  • Bank: The Central Bank of Jordan.
  • The National Switch: The national system operated by the system administrator, the Jordan Payment and Clearing Systems Management Company (JOPAC), which is licensed by the Central Bank and supervised by the Central Bank of Jordan. , as the case may be, for the account of the banks or settlement banks, or debiting them on the account of the banks or settlement banks through the immediate gross settlement system at the Central Bank or any system to be employed later
  • Customer: The natural person who will open an electronic wallet account in his name and agree to these terms and conditions and who will be registered in the National Exchange through the service provider for the purposes of using the mobile payment service.
  • Electronic wallet: It is the virtual account that is opened with the company in the name of the customer to enable him to carry out mobile payment transactions.
  • Electronic money: the electronically stored monetary value, which is issued in exchange for cash amounts of the same type and value, and it is a transferable payment method between the parties dealing with it by electronic means.
  • Electronic Records: The record, contract, or message of information that is created, sent, received or stored by electronic means.
  1. The customer acknowledges that all the data, information and documents provided by him are true and original and acknowledges his full responsibility for what is stated in them and for the extent of their legality and for any matters related to them.
  2. The applicant must be at least 18 calendar years old.
  3. The client authorizes the company to send his data to the National Exchange for the purposes of his registration, and the company is obligated to send the result of the registration process to the client.
  4. Upon the official registration of the customer and activating the service, the company / service provider issues a temporary password to the customer for the purpose of entering the account for the first time so that it can be replaced with a password and a password specific to the customer when entering the application for the first time.
  5. The password and secret number entered by the customer is considered a signature and acknowledgment by him of agreeing to implement any requests, services or orders, and no appeal is accepted that they have been published and used by another party or claim that the customer has not performed any of the services.
  6. The customer acknowledges that he has seen and understood the mechanism of work of the services and any published indicative information and that he can view it.
  7. The customer is obligated to review the instructions and requirements for the provision and management of electronic money services, the electronic payment and transfer system, and the instructions issued by the Central Bank in this regard, and any amendments thereto.
  8. The customer agrees to consider all of the company’s electronic records as certified, documented, conclusive and binding evidence for him, and he has no right to object to and/or challenge them before any party whatsoever. He also agrees to consider the electronic record that is saved and extracted from the National Exchange and for all movements and operations executed through the National Exchange, as the approved electronic record in the event of any dispute.
  9. The customer acknowledges that the use of the service is subject to the legislation in force on the part of the Central Bank and any legislation in force in the Kingdom in this regard.
  10. The customer acknowledges and agrees that the company/service provider has the right to stop and/or cancel the provision of the service at any time he wants if there is a good and serious reason and without the company/service provider bearing any responsibility, and after informing the customer of all available means
  11. It is agreed under this contract that the company/management/employees/representatives have the right to make any modification/correction/change in the account statement/ statements and/or on any of the electronic wallet entries and/or reverse any restriction in the event that it appears and/or Discovering an error / errors / defect / malfunction / defect in a device / hardware / software / computer software and / or any device / company’s electronic devices and other that do not correspond to the reality of the account / restrictions without the company / its management / its employees / its representatives bearing any responsibility factual, legal, banking and/or accounting of any kind arising / may arise in this regard, and thus the client authorizes the company to carry out such actions with an absolute and irrevocable authorization
  12. It is agreed between the two parties, that the company / service provider has the right to terminate the contract directly in the event of failure to carry out the due diligence procedures regarding the beneficiary
  13. The mobile payment service is provided within the Hashemite Kingdom of Jordan and in Jordanian Dinars only
  14. The client authorizes the company/service provider an absolute and irrevocable authorization to debit the value of any executed transaction on the client’s wallet account with the company/service provider.
  15. The customer acknowledges his knowledge that the electronic wallet is linked to the mobile phone number provided/selected by him so that payment is made through electronic money that is transferred by the service provider/agent to the customer’s wallets in exchange for the received cash, and then the electronic money is dealt with by Client
  16. The company is committed to taking all necessary measures for the service to comply with all legislation in force in the Kingdom and any instructions issued by the Central Bank, and to comply with the requirements of combating money laundering and terrorist financing
  17. The company charges the customer a commission owed to the company for each executed transaction/movement made by the customer when using the mobile payment services and as mentioned by all the means available by the agent/service provider
  18. The customer acknowledges and agrees that the service provider has the right to set limits for mobile payment transactions as it deems appropriate, and according to what is stated in the regulating legislation and any amendments thereto
  19. The customer acknowledges that the company/service provider is not responsible for any unexecuted and/or rejected transactions for a reason not attributable to it or the third parties.
  20. The customer is obligated and on his responsibility to inform the company immediately in the event of losing and/or changing the mobile phone number registered with the company.
  21. The customer must send any complaints to the company’s complaints center and/or call the complaint center’s number through the e-mail complaints@uwallet.jo.
  22. The customer is obligated and on his responsibility to verify the details of the movement in terms of the phone number / ID of the receiver (the beneficiary of) the movement and the value before executing the movement and to ensure that the personal password is protected and adhered to all security and confidentiality rules as approved by the company in addition to not issuing transactions without sufficient balances in his accounts
  23. The client authorizes the service provider under this deed to take any measures he deems appropriate and/or necessary for the purposes of implementing local and international laws, regulations, and instructions related to money laundering and combating terrorist financing.
  24. The customer acknowledges that if he does not use his electronic wallet for a year (or what the company deems appropriate), the company has the right to freeze that wallet in accordance with the relevant legislation and instructions issued by the Central Bank in this regard.
  25. The customer acknowledges that he knows that the electronic wallet is suspended if the verification documents are found to be insufficient, expired, or non-conforming
  26. The company / service provider is obligated to inform the client of the balance of his wallet as soon as any financial movement on his wallet ends.

28 The company is obligated to refund the amounts to customers in the event that the company / service provider stops providing the service and in accordance with the company’s work procedures

  1. Under the subscription contract, the customer agrees to allow the company to contact him directly to offer services and offers that meet his needs, and the customer also agrees to receive promotional messages on his mobile phone and/or email or social media in a manner that ensures the confidentiality of customer data
  2. The company is committed to taking all necessary and precautionary measures to ensure the security and confidentiality of customer information
  3. The customer acknowledges and agrees that the courts of the Palace of Justice are competent to hear any dispute related to these terms, conditions and services.
  4. In the event of the death of the owner of the portfolio, the portfolio will be suspended, and it will pass to the legal heirs and according to the procedures in force in the company.
  5. Any modification or change to commissions and fees shall be notified to the client according to the registered address, text messages and official websites and 30 days in advance
  • The customer has the right to file a complaint with the service center at 0788001400 in the event that the customer is not satisfied with the service and without incurring any costs or fees or imposing any conditions by the company/service provider. In the event that the customer is not satisfied with the outcome of the complaint, he can contact the Central Bank of Jordan at 06-4630301 or by e-mail: fcp@cbj.gov.jo
  • The terms and conditions below apply if the customer wishes to subscribe to the card service linked to the e-wallet and issue a card based on the following terms and conditions after he has reviewed and agreed to them:
  1. The customer is obligated to keep the card and its data and is responsible for any illegal use of the card and for negligence in using the card, and the card holder bears full responsibility for that with the absolute right of the service provider to cancel the card without referring to the customer and informing the security and judicial authorities of that.
  2. The card holder acknowledges his knowledge of the nature of dealing with the card and the procedures to be followed in using the card.
  3. The card holder authorizes the service provider to approve any entity chosen by the service provider for the purposes of documenting transactions made on the card.

4. In the event of the card being lost, damaged or encountering any difficulties, please inform the service provider immediately on the toll-free number 0788001400 for customer service.

  1. The card holder may only use the card within the limits of the limit amount specified for it.

And the. The card holder acknowledges that the service provider is exempted from any liability whatsoever arising from the refusal of any legal person to deal with the card, and the service provider does not bear any responsibility for any defect or deficiency in the goods and services obtained by the card holder with the card, and the service provider does not bear any responsibility for the type Services or goods purchased on the Card.

  1. The card holder acknowledges that the service provider’s books, records and records are conclusive evidence to prove the amounts paid on the card, and he forfeits his right to request auditing the records and entries of the service provider.
  2. The Cardholder agrees to bear all payments on the Card in any foreign currency or in Jordanian Dinars plus any transfer fees, commissions or differences according to the exchange rates on that day.
  3. The purposes of the Card shall expire upon its expiry printed or shown on the Card, and/or the closure of the e-wallet account associated with it.
  4. The service provider shall charge a declared fee to be determined in return for issuing the card/replacement of the lost/damaged card and/or objecting to any movement executed on the card.
  5. The limits set by the Central Bank of Jordan or what the company/service provider deems appropriate shall apply to the card’s financial transactions.
  6. The customer gives the service provider an absolute and irrevocable authorization to debit the value of any transaction executed through the card linked to his electronic wallet to the account of the electronic wallet linked to him.
  7. The client authorizes the service provider under this deed to take any measures he deems appropriate and/or necessary for the purposes of implementing local and international laws, regulations, and instructions related to money laundering and combating terrorist financing.
  8. The customer has the right to object to fraudulent movements that may take place on his card, provided that the number of objection movements does not exceed fifteen at the same merchant, and the customer has the right to object to the movements made on his card within a period not exceeding 120 days from the date of the movement for reasons including: Poor service provided From the merchant, an error in the value of the transaction, not obtaining the service, or any other reasons, and the objection is considered within the data and documents available to decide whether the objection is eligibility or not.
  9. The cost of objecting to the financial movements is five (5) dinars, for each case separately, and it is deducted from the objection holder’s wallet and will be refunded if the objection is proven correct. The objection request is considered a prior authorization from the wallet holder to the service provider to collect the objection fees from the wallet. The objection holder is also obligated to provide the amount of the objection fee in his wallet. Otherwise, the objection request shall not be considered valid.
  10. The objection shall be answered within a period not exceeding 45 days from the date of completing the objection procedures, and the client shall be notified of the results of the objection by phone and/or by text message to the address registered with the company.
  11. I have reviewed the terms and conditions for issuing the card applicable to the service provider and contained in this application and have understood all that is stated therein. Any part of it at any time, and I consider the amendment to be effective upon my notification in writing to my address with you, and this document is treated as an integral part of the wallet account opening agreement and with the same terms and conditions and approval of it does not cancel any other agreement with the company.