Terms and Conditions
- About the Service
- Our responsibility to You
- Your responsibility to us
- Cancellation, refunds, and administrative charges
- Customer Service
- Registration
- Password and Security
- Data Protection
- Liability
- Intellectual Property
- Links to Web Site
- Entire Agreement
- Transfer
- Termination and Suspension
- Third Party Rights
- Severability
- Governing Law
- Delivery Services – Foreign Currencies, Gold Bars, TravelCards
PREAMBLE
Alfardan Exchange Online Terms and Conditions (English law version)
THESE TERMS AND CONDITIONS APPLY TO, GOVERN YOUR ACCESS TO, AND USE OF THE ALFARDAN EXCHANGE MOBILE APP AND ONLINE WEBSITE AND THE SERVICES AVAILABLE THEREON.
IT IS IMPORTANT THAT YOU READ AND UNDERSTAND OUR TERMS AND CONDITIONS BEFORE YOU ACCEPT THEM. THEY CONTAIN LIMITATIONS ON THE SCOPE OF OUR OBLIGATIONS TO YOU, AS WELL AS LIMITATIONS ON, AND EXEMPTIONS FROM, OUR LIABILITY TO YOU IN THE EVENT THAT YOU SUFFER A LOSS AS A RESULT OF USING OUR SERVICES. WE HAVE HIGHLIGHTED IN BOLD THOSE PROVISIONS WHICH DO THIS.
As used in our Terms and Conditions, the terms:
(a) “Bank Card” refers to a debit card issued by or through a licensed bank in the State of Qatar;
(b) “Card Issuer” refers to the issuer and owner of a bank card;
(c) “Transaction Reference Number” refers to money transfer control number automated to the Sender, after sending the funds, which allows the tracking of the funds;
(d) “Paying Agent” refers to an authorized agent of Alfardan Exchange or sub agent of Authorized Agent who pays funds to the Receiver;
(e) “Receiver” refers to the person identified as the beneficiary of a money transfer (whether that money transfer is initiated by a Sender using the Alfardan Exchange App or Online Service);
(f) “AFX” is short for Alfardan Exchange Co WLL
(g) “Sender” refers to the person who initiates the carrying out of a money transfer by using the Alfardan Exchange App or Online Service;
(h) “Transaction” refers to each money transfer that you initiate under, and each other use that you make of, the Alfardan Exchange App or Online Service;
(i) “Alfardan Exchange App or Online Service “, “we“, “our” or “us” refers to Alfardan Exchange Company WLL and its affiliates; and in references to “ negligence or fraud“, includes any affiliate or agent when performing a task which would otherwise have to be performed by Alfardan Exchange Co WLL and its affiliates in connection with its provision of the Alfardan Exchange App or Online Service; and, in the provisions listed in clause 15 (other than clause 9.7) and in references to “negligence or fraud”, includes any affiliate or agent of Alfardan Exchange Co WLL when performing a task which would otherwise have to be performed by Alfardan Exchange Co WLL in connection with its provision of the Alfardan Exchange App or Online Service;
(j) “Alfardan Exchange App or Online Service” refers to any or all of the services which are made available by us by means of the Alfardan Exchange App or Online Service;
(k) “Alfardan Exchange App or Online Service “or “site” refers to the Web site operated by us to provide online money transmission services and related information facilities; and
(l) “You” or “Your” refers to any person who uses the Alfardan Exchange App or Online Service, whether as a Sender or as a Receiver.
- About the Service
1.1 The Alfardan Exchange App or Online Service is offered by Alfardan Exchange Co WLL (“AFX”) in conjunction with various financial and banking institutions. Alfardan Exchange Co WLL is a registered entity with Money Exchange license from Qatar Central Bank and has its registered offices at Alfardan Exchange LLC, Alfardan Centre, Grand Hamad Street, Doha, P.O. Box: 339, Doha, State of Qatar. Customers may call the number set out in Clause 5 for the address and opening hours of Contact Centre, branches/locations.
1.2 By completing the information required to send a money transfer, by providing access to the funds to be sent as well as identification as required and by accepting the Terms and Conditions, the Sender consents to the execution of the money transfer. The Sender is required to inform the Receiver about the money transfer.
1.3 Regular money transfers are usually available within minutes for pick up, subject to hours of operation of the payment location. Where the “Next Day” or “2 Day” Service is available, funds will generally be available for collection by the Receiver after 24 and 48 hours, respectively, from the time the money is sent. Account-based transfers generally take 3 business days, though transfers to mobile wallets are often available within minutes. Delays and other restrictions apply in certain countries. All time frames noted above are subject to legal or regulatory requirements. You can call the phone number included in these terms and conditions for details.
1.4 For collection of funds in cash, all Receivers must show documentary evidence of their identity, provide all details about the money transfer required by the respective payout agent/s, including but not limited to, the name of Sender, country of origin, name of Receiver, approximate sum, and any other conditions or requirements applicable at the Alfardan Exchange’s authorized Paying Agent branch/location, for example the Transaction Reference Number (TRN), which is mandatory for receiving money in some countries. Cash payment shall be made to the person that Alfardan Exchange or its Paying Agent deems entitled to receive the money transfer after examination of identification documents. Cash payment may be made even when the form filled out by the Receiver contains errors. Neither Alfardan Exchange nor its Agents carry out a comparison of the “To Send Money” form against the “To Receive Money” form to verify the address given for the Receiver. In some destinations the Receiver may be required to provide identification, a test question answer, or both, to receive funds in cash. Test questions are not an additional security feature, cannot be used to time or delay the payment of a transaction, and are prohibited in certain countries.
1.5 Applicable law prohibits money transmitters from doing business with certain individuals and countries; Alfardan Exchange is required to screen all transactions against lists of names provided by the governments of the countries and territories in which we do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, Alfardan Exchange research the transaction to determine if the name matched is the individual on the relevant list. On occasion, customers are required to provide additional identification and other information, which may delay transactions. This is a legal requirement for all transactions processed by Alfardan Exchange (inclusive of transfers that originate and terminate outside of the State of Qatar).
1.6 Transfer fees: Written information explaining how Alfardan Exchange charges the Sender for making a money transfer is shown to the Sender prior to completion of the payment order. Unless applicable law in the destination country requires otherwise, the Sender will bear all fees for the money transfer. In certain cases, payment of a money transfer may be subject to local taxes and service charges. For account-based money transfer, the Receiver may incur additional fees for receiving the Sender’s funds through a mobile telephone or to an account. Transfers should be sent to a local (Receiver) currency account, otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The Receiver’s agreement with its mobile phone service, Mobile Wallet, or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event of an inconsistency between the account number (including mobile phone numbers for mobile accounts) and name of the Receiver, the transfer will be credited to the account number provided by the Sender. Alfardan Exchange may make money from fees associated with use of an account. Alfardan Exchange accepts no responsibility to the Sender, nor to any account holder for any fees, exchange rates used for conversion to non-local currency, acts or omissions of the destination, or intermediary financial service providers.
1.7 Foreign Exchange:
(a) money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternate currency). All currency is converted at Alfardan Exchange’s then current rate of exchange. Alfardan Exchange calculates its rate of exchange based on commercially available interbank rates plus a margin. Most rates of exchange are adjusted several times daily in line with the relevant closing rate of financial markets globally.
(b) The currency will be converted at the time of transfer and the Receiver will receive the foreign currency amount shown on this form. However, in a few countries local regulations require money transfers to be converted only when they are paid. If the Sender is sending to one of these countries, the exchange rate noted above is only an estimate, and the actual exchange rate will be determined at the time of payment. Alfardan Exchange Agents may offer Receivers the choice to receive funds in a currency different from the one the Sender selected. In such instances, Alfardan Exchange App (or its Agents, mobile phone provider, or account service provider) may make additional money when it changes the Sender’s funds into the currency selected by the Receiver. If the Sender chooses a payment currency different from the national currency of the destination country, the payment currency chosen may not be available at all payment locations in that country, or may not be available in small enough denominations to pay all of the money transfer. In such cases, the Paying Agent may pay all or part of the Sender’s transfer in national currency. Alfardan Exchange’s exchange rate may be less favorable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Alfardan Exchange will be kept by Alfardan Exchange (and, in some instances, its Paying Agents, mobile phone provider, or account provider) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling the phone number referred to in clause 5 or on our website.
(c) In some cases, funds may be transferred to the beneficiary’s bank through a third party (intermediary bank), and accordingly, all fees and commissions are subject to the policies of both the intermediary bank and the beneficiary’s bank.
1.8 SMS – Alfardan Exchange may offer free SMS notification to indicate that the transaction has been collected by the Receiver (for the Sender) or that funds are available for collection (for the Receiver). Charges applied by the service provider are the exclusive responsibility of the Sender or Receiver. Alfardan Exchange is not responsible for any charges associated with SMS messages. If permitted by applicable law, the SMS will be sent to the Sender’s and/or the Receiver’s mobile number provided at the time of this transaction. Alfardan Exchange will send SMS messages to a gateway for delivery, however delivery is the responsibility of third parties, and cannot be guaranteed. Alfardan Exchange is not responsible for technical malfunctions that occur outside of its proprietary systems.
2 OUR RESPONSIBILITY TO YOU
2.1 Our agreement with you is that we will take reasonable care to provide the Alfardan Exchange App and Online Services. As such, we agree to provide you with the money transmission and the related information facilities described from time to time on the Alfardan Exchange App/online.
2.2 We will generally rely without further enquiry on messages that are transmitted through the Alfardan Exchange App or Online Site and actually received by us, unless we have actual notice that any such message is incorrect, unauthorized or forged.
2.3 We do not accept any responsibility for:
(a) the goods or services which you pay for by using the Alfardan Exchange App or Online Service. We strongly advise that you do not use our service to pay for goods purchased from an online seller that you do not know;
(b) malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
(c) any losses or delays in transmission of messages arising out of the use of any Internet access service provider or caused by any browser or other software which is not under our control;
(d) the services provided to you by your card issuer;
(e) viruses caused by third parties;
(f) errors on the Alfardan Exchange App or Site caused by incomplete or incorrect information provided to us by you or a third party;
(g) any unauthorized use or interception of any message or information before it reaches the Site; or
(h) any unauthorized use of or access to data relating to you or your transactions which is held by us (unless such use or access is caused by negligence, fraud or failure to comply with laws relating to the protection of your data);
and the contractual relationship between us does not extend to the benefit of the Receiver and the Receiver does not have an independent right to demand payment.
2.4 We have no obligation to you to initiate or perform a money transfer or other transaction as part of the Alfardan Exchange App or Online Service if:
(a) we are unable to obtain satisfactory evidence of your identity;
(b) we have reason to believe that the transaction message is incorrect, unauthorized or forged;
(c) you provide us with incorrect or incomplete information or if your transaction message is not given to us sufficiently in advance to allow for timely provision of the requested transaction; or
(d) your card issuer does not authorize your use of your bank card for payment of the transaction and our related charges,
and we do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Receiver or failure to perform a transaction under the Alfardan Exchange App or Online Service by reason of any of these matters.
2.5 We may refuse to provide the Alfardan Exchange App or Online Service (in whole or in part) to you if to do so may breach any applicable law, order of a court or requirement of any regulatory or governmental authority, body or agency having jurisdiction over us, or if we otherwise consider such action necessary to protect our interests. However, if we refuse to provide the Alfardan Exchange App or Online Service (in whole or in part) for any of these reasons, we will wherever practicable, notify you that we have done so and, unless we are prevented from doing so for some legal reason, we will explain why we have done so.
2.6 We may suspend the operation of the Alfardan Exchange App or Online Site in whole or in part if, in our absolute discretion, we consider it appropriate to do so by reason of any circumstances beyond our control. We undertake that if the services provided by Alfardan Exchange App or Online Site are interrupted (whether by us, any third party service provider or otherwise) for any reason we will take reasonable care to minimize the duration of any interruption. Provided we comply with this undertaking, we shall not be liable to you for any loss, claim or liability which may be suffered or incurred by you as a result of any such interruption, even if caused by negligence, except where any such interruption is caused by fraud.
2.7 Alfardan Exchange reserves the right to change the Alfardan Exchange App or Online Service without notice. Alfardan Exchange and its Agents may refuse to provide the service to any person without giving a reason, in particular to prevent fraud, money laundering or terrorist financing or to comply with any applicable law, order of a court or requirement of any regulatory or governmental authority.
2.8 We will generally communicate with you through the Alfardan Exchange App or thru Online Site or by e-mail (Cservice@alfardanexchange.com.qa) or by Phone (44537777). This does not affect your right to communicate with us by any other means described in clauses 4.1, 5, 7 and 14.1 below in the circumstances contemplated by those provisions.
2.9 We may change our Terms and Conditions from time to time. Each time you send money with Alfardan Exchange, you will be provided access to a copy of our Terms and Conditions before completing the transaction. We will notify you of any change to our Terms and Conditions by posting a clear and readily accessible notice of change on the Alfardan Exchange App or Online Site. No change which we may make will affect the terms on which you used the Alfardan Exchange App or Online Site, or on which we provided the Alfardan Exchange App or Online Service to you, before we posted the notice of change on the Site. No change which we may make will affect your ability to terminate your agreement with us under clause 14.1 below
3 YOUR RESPONSIBILITY TO US
3.1 You agree to pay our charges for each money transfer or other transaction which you initiate or request under the Alfardan Exchange App or Online Service.
3.2 You must pay for the principal amount of a money transfer and our charges by using a bank card (up to 3 cards only) or via your bank account (where available). Each time you use the Alfardan Exchange App or Online Service, you agree that we are authorized to charge your card issuer or your bank account (for account based transfers) for the principal amount of any money transfer and our charges relating to the relevant transaction before we perform the money transfer or other transaction. The amount that we will charge to your card issuer or your bank account will be notified to you prior to the final authorization of the transaction.
3.3 You acknowledge and agree that:
(a) when you register with us, you will provide us with true, accurate, current and complete information;
(b) you will maintain and promptly update such information to keep it true, accurate, current and complete;
(c) you will not use the Alfardan Exchange App or Online Service for or in connection with any prohibited purpose;
(d) you will not initiate a money transfer or other transaction under the Alfardan Exchange App or Online Service in breach of these Terms and Conditions or any other restriction or requirement of use described on the Alfardan Exchange App or Online Site; and
(e) you are responsible for the security of your password and unique ID log-in in accordance with clause 7 below.
3.4 You acknowledge and agree that information about you, and the services we provide to you, may be provided by us from time to time to regulatory or governmental authorities, bodies or agencies where:
(a) we are required by law to do so; or
(b) if we determine that such disclosure may help to combat fraud, money laundering offences or other criminal activity.
3.5 You agree that you will generally communicate with us through the Alfardan Exchange App or Online Site or by e-mail (Cservice@alfardanexchange.com.qa) or by Phone (44537777). This does not affect your right to communicate with us by any other means described in clauses 4.1, 5, 7 and 14.1 below in the circumstances contemplated by those provisions.
- CANCELLATION, REFUNDS AND ADMINISTRATIVE CHARGES
4.1 Under laws relating to online contracts, you have a right to cancel your agreement with us at any time after you indicate your acceptance of our Terms and Conditions, subject to the terms of this clause. You may cancel your agreement with us by:
(a) telephoning our Contact Centre on 4453 7777, available from 8am to 12am all days a week.
(b) writing to us at Alfardan Exchange LLC, P.O. Box: 339, Doha, State of Qatar.
(c) e-mailing the Alfardan Exchange at Cservice@alfardanexchange.com.qa or for Western Union transactions related at wu.support@alfardanexchange.com.qa
4.2 If you exercise your right to cancel under clause 4.1 before you have sent a money transfer order to us, your agreement with us will terminate and you will not be able use the Alfardan Exchange App or Online Service to send any money transfer orders or any other allied services. We will not charge you any cancellation fee.
4.3 If you exercise your right to cancel under clause 4.1 after you have sent a money transfer order to us, we will reimburse you in accordance with Clause 4.4 below, however we will not reimburse you if we have paid the money transfer to the Receiver before we receive your notice of cancellation.
4.4 Your right of cancellation under laws relating to online contracts is in addition to your cancellation rights as Sender. As a money transfer Sender you have the following rights:
- a) Alfardan Exchange will refund the principal amount of a money transfer and the transfer fee upon the Sender’s written request to AFX to the address above by letter or email in case:
- i) the Sender cancels, no fraud is detected, the money hasn’t been delivered and the Sender’s Bank Card has not been charged; or
- ii) the Sender cancels, fraud is detected, the money hasn’t been delivered, and the Sender’s Bank Card has not been charged; or
iii) the transaction is declined by Alfardan Exchange or its associates; or
- iv) the Sender wants to make a change, but Alfardan Exchange requires the transaction to be canceled before making the change; or
- v) the money transfer is not available to the Receiver within three business days, subject to conditions beyond the control of Alfardan Exchange (or its Paying Agents), such as regulatory requirements, inclement weather or telecommunications failure. Payment of some money transfers may be delayed as a result of the local or international regulations or applicable laws.
- b) Alfardan Exchange will refund only the principal amount of a money transfer upon the Sender’s written request to the AFX to the address above by letter or email in case that:
- i) the Receiver rejects the transfer; or
- ii) the Sender cancels the transfer, no fraud is detected, and the Sender’s Bank Card has been charged; or
iii) the Sender cancels the transfer, fraud is detected, the money hasn’t been delivered, and the Sender’s Bank Card has been charged; or
- iv) payment to the Receiver is not made within 45 days.
To the extent allowed by law, Alfardan Exchange may deduct an administrative charge from money transfers that are not picked up within one year of the send date.
When a Sender requests for cancellation of a transaction to Alfardan Exchange, an approval or a confirmation of reversal of the credit from the correspondent bank or the agent of Alfardan Exchange is mandatory and required to complete the refund.
- CUSTOMER SERVICE If you discover any errors or have any problems with or related to the Alfardan Exchange App or Online Site, you can contact the Alfardan Exchange at Cservice@alfardanexchange.com.qa or for WU services, wu.support@alfardanexchange.com.qa or call the AFX on phone number 4453 7777, available from 8am to 12am all days a week.
- REGISTRATION You will be required to register with us online, then verify your personal information and registration with AFX by providing your valid identification document (Qatari Civil ID, Diplomatic ID1) online or at any of Alfardan Exchange branch/location, in order to use the Alfardan Exchange App or Online Service. Registration is subject to these Terms and Conditions.
- PASSWORD AND SECURITY You will use your email or your Unique ID as account login and choose a password upon registering with us. You are responsible for maintaining the confidentiality of your password and account e-mail login, and are fully responsible to us for all activities that occur under your password or account e-mail login. You agree to immediately notify us by calling Alfardan Exchange Contact Centre on the number referred to in clause 5 , for any unauthorized use of your password or account e-mail login or any other breach of security. Once you have told us that there has been an unauthorized use of your password or account e-mail login, we will take immediate steps to try to prevent these from being used. Alfardan Exchange is not liable for any loss, claim or damage arising from your failure to comply with your obligation under clause 5 or this clause 7. You may have a right against your card issuer to have sums refunded or recredited to you if fraudulent use is made of your bank card.
8.DATA PROTECTION
Your personal information is processed under applicable law and controlled by Alfardan Exchange and its affiliates. We use personal information you provide to us when using our products and services, as well as other information that is collected or generated during our relationship with you. This includes information from other services like money transfers, foreign currency purchase, bullion purchase, travelcard purchase, bill payments, loyalty or membership program details, previous use of our services history, and marketing choices. This information is used to provide you with the services you have asked for and for activities such as administration, customer service, anti-money laundering, compliance and legal duties, validate your details, to help us understand our consumers by doing analysis and research of the information we hold, to help prevent and detect fraud, debt and theft, to help us improve our products, services and operations, and, subject to your choices, send you commercial communications by email, telephone, post, SMS and by any other relevant channel.
Alfardan Exchange may also use, collect from, and share with other businesses that work with us, information from other products and services and convenience for which you have registered. This information may be used for any of these purposes in this section. We will hold and retain the information that you give us about another person including the details of the receiver of our services in order to execute the transaction. Prior to providing this information you are obliged to notify and secure authorization from the other person on our use of this information as set out in this section. The provision of this information is optional information but needed to execute the transaction and provide these services to you. Without it, Alfardan Exchange is unable to provide the money transfer, or other allied services to facilitate convenience activities or other requested services.
We may provide the information we hold to parties located outside Qatar for the purposes set out in this statement. The categories of data transferred are personally identifiable information, contact details and information relating to the money transfer, transaction history, and any other Information supplied by you. We may also provide the information to other organizations, including those that help us run our business, if there is a reasonable need to do so, to carry out or aide the money transfer, future services, or for any of the reasons or uses set out in this section. We may add to the information you provide with information from other businesses or individuals, including information to validate the accuracy of your information provided by you. Alfardan Exchange and our affiliates worldwide may disclose your personal information, including without limitation your name, customer ID number, address, transaction patterns and bank account information, (i) if we are required to do so by domestic or foreign law or legal process or (ii) to law enforcement authorities or other government officials (including those in this country, the State of Qatar or elsewhere) for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity, and the recipients may further disclose the information for these and other related purposes.
The information we hold may be accessed by our affiliates including but not limited to Alfardan Exchange for any of the reasons set out in this section or for other purposes to which you have agreed. You have a right to ask us to see and get a copy of your information, for which we may charge a small fee. You can also correct, erase or limit our use of the information which is incomplete, inaccurate or out-of-date. And you may object at any time on legitimate reasons to the use of your information, where the processing is not required to complete the service or required by law or regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Alfardan Exchange, please contact us by calling 4453 7777, available from 8am to 12am, all days a week, or alternatively by contacting us via email Cservice@alfardanecxchange.com.qa or for Western Union services via wu.support@alfardanexchange.come.qa
- LIABILITY
9.1 We will refund to you any benefit which we receive as a result of any breach of our agreement with you or other wrongdoing (this means that, for example, where a money transfer has failed in such circumstances, we will refund to you the principal sum and the service charge).
9.2 If a money transfer is delayed or fails, you may have a right to receive a refund. We would be happy to provide you with the details of your rights to a refund. There are no compensations for our failure to deliver the services but limited to full refund of the transaction value. For any information related to refund, please call the phone number set out in clause 5 above.
9.3 Nothing in this clause 9 shall exclude liability for willful misconduct, gross negligence or fraud.
9.6 Where you are sending a money transfer to a Receiver who is not registered with us, you agree to accept the provisions of this clause 9 not only for yourself, but also on behalf of the Receiver.
9.7 Your relationship is with Alfardan Exchange Co WLL only. You agree that no affiliate or agents of Alfardan Exchange Co WLL owes you any duty of care or any obligation when performing a task which would otherwise have to be performed by Alfardan Exchange Co WLL under its agreement with you.
- INTELLECTUAL PROPERTY The Alfardan Exchange Co WLL, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the Alfardan Exchange App or Online Site shall remain our property and/or the property of such other third parties. The Alfardan Exchange App or Online Site may be used only for the purposes permitted by these Terms and Conditions or described on the Site. You are authorized solely to view and to retain a copy of the pages of the Alfardan Exchange App or Online Site for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the World Wide Web, or in any way distribute or exploit the Alfardan Exchange App or Online Site, any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Alfardan Exchange App or Online Site and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Alfardan Exchange App or Site (or printed pages of the Site). The name Alfardan Exchange and other names and indicia of ownership of Alfardan Exchange’s products and/or services referred to on the Alfardan Exchange App or Online Site are our exclusive marks or the exclusive marks of other third parties. Other product, service and company names appearing on the Site may be trademarks of their respective owners.
- LINKS TO OTHER WEBSITES The Alfardan Exchange App or Online Site may contain links and pointers to other World Wide Web Internet sites and resources (the “Linked Sites”). Links to any Linked Site do not constitute an endorsement by, or association with, us of any third-party resources or their contents. Links do not imply that we are affiliated or associated with or are legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or copyright symbol of Alfardan Exchange. You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or webmaster. We do not represent or endorse the accuracy or reliability of, and expressly disclaim any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You acknowledge that any reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at your sole risk.
- ENTIRE AGREEMENTThese Terms and Conditions, together with all other matters incorporated into these Terms and Conditions by reference embody the entire agreement and understanding between you and us and supersede and terminate all prior agreements or understandings you may have with us.
- TRANSFERWe have the right to transfer, assign or delegate our rights and/or responsibilities in whole or in part under our agreement with you to an affiliated company, or any third party, at any time without your consent unless such transfer would reduce your rights and/or remedies or increase your responsibilities and/or liabilities under your agreement with us. You may not transfer your rights and/or responsibilities under your agreement with us without our prior written consent.
- TERMINATION AND SUSPENSION
14.1 Either you or we may terminate the agreement between us upon giving not less than 1 days’ notice, provided that any pending transaction will continue to be governed by these terms and conditions until completion. You may send us a notice of termination by any of the means described in clause 4.1 above.
14.2 We may terminate our agreement with you and/or suspend the Alfardan Exchange App or Online Service (in whole or in part) in relation to you with immediate effect and without prior notice to you if:
(a) if there is any breach of any applicable law by you or any fraud on your part, or if there is a failure by you to notify us of any major changes in your details (including but not limited to your name, your bank details and/or your location) (the “Change”) within [5] days from the date of implementation of the Change;
(b) you are in breach of any provision of these Terms and Conditions;
(c) it appears to us that you have become or are likely to become mentally incapable of managing your property and affairs, or any other event occurs which affects your legal capacity or ability to contract with us on our Terms and Conditions; and
(d) your use of the Alfardan Exchange App or Online Service or the Site is disruptive to our other customers.
We shall endeavor to give you prior notice of any such termination or suspension and, if it is not practicable to give such prior notice, endeavor to give notice to you of such termination or suspension as soon as possible thereafter.
14.3 We may immediately terminate our agreement with you and/or suspend the Alfardan Exchange App or Online Service on the basis of information supplied to us (whether orally or in writing) that we in good faith believe to be true and that affects or potentially affects the validity of a transaction.
14.4 The termination of our agreement with you and/or the suspension of the Alfardan Exchange App or Online Service shall not affect any rights or obligations arising prior to or arising during or after the date of termination or suspension or which arise in consequence of it, and all such rights and obligations shall continue to be subject to these Terms and Conditions.
14.5 Neither you nor we shall be liable to the other for any liabilities suffered or incurred by the other arising out of the taking of any action which you or we are authorized to take or which is otherwise provided for under these Terms and Conditions or by any restriction or requirement for use of the Alfardan Exchange App or Online Service described on the Site, including without limitation the exercise of any powers of termination and/or suspension under this clause 14.
14.6 The provisions of our agreement with you shall continue to apply during any suspension of the Alfardan Exchange App or Online Service. The provisions of clauses 1.3 to 1.6 (inclusive), 2.4, 6 to 11 (inclusive), 14, 15 and 17 (and the definitions set out above which are used in those clauses) shall survive any termination of our agreement with you.
- THIRD PARTY RIGHTS Nothing in this Agreement shall be directly or indirectly enforceable by any third party, nor is it intended to confer a benefit on any third party.
- SEVERABILITYIn the event any one or more of the provisions of these Terms and Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.
- GOVERNING LAWWe both agree that any dispute, claim or other matter relating to offering the Alfardan Exchange or Online Site in the State of Qatar brought before the Qatari courts, will be governed by the laws of Qatar.
- Delivery Services – Foreign Currencies, Gold Bars, TravelCards. We both agree that any service requests for foreign currencies, gold bars, travelcards which are requested to be delivered at your residence or office are bound by the following conditions:
- You agree that the delivery time specified in the Alfardan Exchange App or Online Service is subject to change, and you acknowledge and accept this variability.
- You agree that the product shall be delivered within the agreed time, and you shall not hold Alfardan Exchange responsible for delayed delivery due to reasons beyond its control.
- You agree to verify and confirm the accuracy of the foreign currencies and/or gold bars by cross-checking them with the receipt of payment and signing to confirm their correctness.
- You agree that Alfardan Exchange will accept any request for returning foreign currencies or gold bars at the prevailing rates, specifically the purchase rate set by Alfardan Exchange.
- The refund in the above case (d) shall be initiated through your bank account only, and you shall make a request for a refund by submitting a refund request form.
1 Diplomatic ID card is an acceptable Other Government Issued ID type in Qatar.