General Terms of Service
Last updated: January 31, 2022
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This page explains our terms for Telda. By using the service you agree to these terms. If you use the service on behalf of your company, your company agrees to them too.
These Additional Telda Terms of Service (the “Telda Terms”) govern your use of Telda, a payment service and financial platform (the “Service”) offered by Telda, Inc. (“Telda”, “we”, “our,” or “us”). By using the Service you agree to be bound by these Telda Terms, the General Terms of Service (“General Terms”) and all other terms and policies applicable to each Service as set forth below. If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms.
Using Telda requires you open an account. You’ll need to be an Egyptian resident and at least 16 years old. If you want to use your account balance to send money to another Telda user, then you’ll need to give us some more information about you, and we’ll need to be able to verify your identity.
Issuance of cards is limited to Egyptian natural persons “Egyptian individuals only” from the age of 16 years. The use and availability of some features is limited to the Arab Republic of Egypt. The customer/user must complete the subscription steps and provide the data and documents required to enable some features of the application, such as sending money from a subscriber in the application to another subscriber in the application from the “Telda X Banque Du Caire“ card holders according to the available balance on the card. The customer/user must sign a “manual signature“ on the form for subscribing to the service of issuing prepaid cards and link the “Cairo X Telda“ card on the company’s mobile application.
II. Telda Account and Communication
1. Telda Account
Here’s the part where you tell us you own the email or phone number you registered with and that the personal information you provide to us is correct. You agree to cooperate with us so that we can verify your identity. We might use third parties to help us do so.
The customer/user acknowledges the validity of the data and information included in the application for electronic services, and the customer bears any responsibility that results in the event that any of these data or information is incorrect.
Telda Cards Service: It is a prepaid card issued through the Banque Du Caire under the MasterCard Foundation, and it is requested after entering some data through the Telda mobile application, as well as the services, transactions and facilities provided by the bank to its customers that change from time to time through the mobile application - will be announced continuously through various channels.
The application may require the customer/user to provide some personal information and data, such as, but not limited to, name, address, e-mail, mobile phone number etc., in order to open, register, use or update the account.
When opening the account for the first time through the application, it will be “limited” .. the customer / user is allowed to access the application only. The customer / user will not be able to perform any transactions including payment / transfer to another client from Telda.
The application may ask the customer/user to authenticate the account with some additional information. If the account cannot be verified, the user may be prompted to create a new account.
The customer/user directly authorizes Banque du Caire and Telda hereby to make any inquiries to verify and authenticate your/account information. This may include asking for more information or documentation about account use, or requiring steps to confirm ownership of an address, e-mail or mobile phone number for example, to verify information against third party databases or through other sources.
The customer/user is solely responsible for the correctness of all data, information and operations that he enters through the application, as he is the only user of the service. He also acknowledges that the instructions, data and transactions that he enters during dealing through the service are dealt with without any additional review from the bank, and the bank/company does not bear any responsibility to the customer in the event of an error in any data entered on the app.
With regard to the use of the service, the customer/user may not refuse the following:
- Cooperate in an investigation of an activity that is likely to violate the law or the Terms of Service
- Verify any information he enters through the application as the sole user of the service
The bank has the right to reject any subscription application submitted by the client to obtain the “Telda X Banque Du Caire” card, and it also has the right to refuse to implement any instructions, inquiries, transactions or operations received from the client while using the service, provided that the customer is notified of this and informed of the reasons, if possible.
2. Receipts and Account Statements
Receipts for some transactions made with the card are obtained through the application on the Home Section, as well as the balance statement through customer support in the Telda application.
Transactions are found and monitored in the main section of your Telda application.
3. Error Resolution
Contact us if you see any errors or issues with your account. Our contact info is below, along with a description of the process and timeline for us to look into your issue. We’ll need some basic information from you to begin our investigation.
The customer/user has the right to contact customer service through the Telda application email@example.com in the event of an error on the account or for inquiries.
In case of errors or questions about your account contact our customer support on Telda application, please note a Telda representative will never ask you for your password, PIN, social security number or full debit card number. Or send us at firstname.lastname@example.org as soon as you can if you think an error has occurred in your Account. We must allow you to report an error until 60 days after the date you electronically access your Account, if the error could be viewed in your electronic history. In order for us to assess the situation, you will need to tell us:
- Your name and Account number;
- Why you believe there is an error, and the EGP (Egyptian pounds) amount involved; and
- Approximately when the error took place.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question.
For errors involving new Accounts, as well as point-of-sale transaction, we may take up to 90 days to investigate your complaint of question. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, contact us at email@example.com, please note a Telda representative will never ask you for your password, PIN, social security number or full debit card number.
In the absence of an error, the reasons will be explained, and the customer/user has the right to request copies of the documents that were used in the investigation through the application.
For purposes of these disclosures, our business days are Sunday through Thursday. Holidays are not included.
4. Your Liability for Unauthorized Transactions
Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you.
Please let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account.
We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above.
An "Unauthorized Transaction" occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions:
- If you give someone access to your Account (e.g. by giving them your login information) and they use your Account without your knowledge or permission;
- If you, or someone else with whom you are acting in concert, act with fraudulent intent; or
- You reverse engineer or chargeback a transaction made with your Telda Card.
5. Our Liability
We will cover your losses for certain incomplete or incorrect transactions, detailed here.
If we do not complete a transaction to or from your Account on time or in the correct amount according to these Telda Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you have insufficient funds in your Account to complete the transaction;
- If the ATM where you are making the Transaction or using your Telda Card does not have enough cash;
- If Telda was not working properly and you knew about the breakdown when you started the transaction;
- If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
6. Funding Sources Used for Payments Made Through the Service
You may link an Eligible Bank Account to your Telda to fund payments made through the Service. Telda reserves the right to limit which banks or what types of accounts constitute an Eligible Bank Account.
When you initiate a payment through Telda, if you have a Restricted Account, then you will not be able to initiate payments to other Telda users with your Telda Balance. If you have a Restricted Account and you wish to make a payment to another Telda customer, you may: (1) use an Eligible Bank Account or Eligible Credit Account; or (2) upgrade to an Unrestricted Account to make the payment with your Telda Balance.
If you have an Unrestricted Account and have sufficient funds in your Telda Balance to satisfy the full payment amount you can complete the payment through your Telda Balance.
7. Telda Username
You may choose a unique username for Telda, which will be your “Telda Username.” If you choose a Telda Username that turns out to be too confusing or deceptive, we might require you to change it.
You may select a unique alpha-numeric name to identify yourself on the Service (a “Telda Username”). Your Telda Username must accurately and truthfully represent your business or personal identity. You may not select a Telda Username that misleads or deceives others as to your identity or creates an undue risk of chargebacks or mistaken payments. We may require you to change your Telda Username or details of your Account Information in our sole discretion, and we may reclaim or make unavailable Telda Username without liability to you.
8. Sharing of Your Information
9. Text Messages
Here’s where we describe your consent to receive texts from us and your representations regarding texts we send to others relating to your payments.
By providing us with a mobile number, you consent to receiving text (SMS) messages from us. If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to that payment. Standard text messaging rates may apply based on your plan with your mobile carrier.
10. Telda Fees
We reserve the right to charge for or change the fees associated with the use of the Telda at any time subject to these Telda Terms and/or in accordance with the terms and conditions of Banque du Caire that follow the rules of the Central Bank of Egypt. A fee may be imposed by Telda or an ATM operator for use of the Telda Card at an ATM, including for a balance inquiry, and by any network used to complete the ATM transaction.
III. Telda Balance
By initiating transactions from your linked bank account or debit card, you are authorizing us to debit those sources. If we incur costs because you have insufficient funds in your account, you will cover those costs.
a. Functionality. Your balance consists of the funds you have in your Account that are available for new transactions and are not subject to pending transactions (your “Telda Balance”). You are solely responsible for all funds necessary to complete any payments initiated through the Service. You agree to reimburse Telda for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment you initiate through the Service.
b. Authorization. By instructing us through Telda to add funds from an Eligible Bank Account or Direct Deposit (both defined below) or debit card to your Telda Balance or make any other transfer you authorize us to debit such Eligible Bank Account or debit card for the amount instructed, either in a single or recurring transaction, as applicable.
c. Limitations. Telda/Banque Du Caire may impose limits on the amount you can keep in your Telda Balance and reserves the right to change these limits at any time. Funds in your Telda Balance might not be available to use for all types of transactions. If you have a Restricted Account, then you may not use your Telda Balance to make payments to other Telda users unless you first upgrade to an Unrestricted Account.
2. Funding Your Telda Balance
There are several ways you can add funds to your Telda balance. Each method is described here.
a. ACH Transfers. ACH Transfer from any account from Banque du Caire/or another bank to your Telda account
b. P2P Payments Received Through Telda. You can keep funds received from P2P Payments (defined below) made to you through Telda in your Telda Balance.
c. Access to Funds. Certain funding features may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our Services, unforeseen circumstances, or outages.
3. Treatment of Funds
Telda will not mix your funds with Telda’s corporate funds. Your funds will be held in pooled bank accounts with the funds of other Telda customers.
If you do hold funds in your Telda Balance, Telda will hold such funds separate from its corporate funds, will not use your funds for any corporate purposes, nor will Telda voluntarily make your funds available to its creditors in the event of bankruptcy. Telda will combine your funds with the funds of other users and place those pooled accounts in one or more bank accounts in Telda’s name.
You will not receive interest on the funds that you have in your stored balance.
You agree that you will not receive interest on or other monies derived from the funds that Telda handles and places in pooled accounts. It is likely that Telda will receive interest on funds held for its users. In consideration for your use of the Service, and with full knowledge and understanding that Telda will receive this interest, you irrevocably transfer and assign to Telda all right that you may have in any interest that may accrue on funds held in pooled accounts.
IV. Peer to Peer Service
1. Description Of Service
The peer-to-peer Service (“Peer-to-Peer Service”) allows you to send funds or receive funds for peer-to-peer personal, non-commercial purposes.
2. Sending Funds
You will be able to send funds using our P2P service if you have a linked bank account or linked a credit card. If you have an Unrestricted Account you will also be able to send funds using our P2P service if you have funds available in your balance. You authorize us to move funds on your behalf. We won’t be responsible for certain incomplete transactions, as described here.
Once you have opened an Account and either have funds available in an Eligible Transaction Account or linked a credit card issued by an Egypt.-based bank or financial institution bearing the trademark of Visa, or MasterCard, you will be able to send funds using the Peer-to-Peer Service. Note that your Telda Balance will not be an “Eligible Transaction Account” until you have given us certain information and we have verified your identity, as set forth above. This means that until (a) you give us this information (b) we verify your identity and (c) you have an Unrestricted Account, you will not be able to use the Telda Balance to send funds using the Peer-to-Peer Service. Your Telda Balance is an “Eligible Transaction Account” only if you have an Unrestricted Account. With a Restricted Account, you may send funds with the Peer-to-Peer Service using an Eligible Credit Account or an Eligible Bank Account.
As a party initiating a transfer (“Sender”), you will send funds to your selected recipient (“Recipient”) by designating the Recipient and the transfer amount to us (a “Payment Instruction”). Your Payment Instruction authorizes us to move funds from your Eligible Transaction Account or Eligible Credit Account to your designated Recipient (a “P2P Payment”). By submitting a Payment Instruction, you are also authorizing us to move funds to your applicable Eligible Transaction or applicable Eligible Credit Account for P2P Payments that are canceled or otherwise returned.
You understand and agree that when you initiate a P2P Payment Instruction using the Service, the processing of the Payment Instruction will begin, and funds will leave your Eligible Transaction Account, as early as the moment of the initiation of such Payment Instruction. However, we will only begin to process the requested transfer of funds to the Recipient once the Recipient has provided all required information, and you hereby authorize and direct us to retain such funds until the earlier of such time as the Recipient has provided all required information or fourteen (14) days.
You agree that we shall incur no liability if we are unable to complete any transaction because of: (i) insufficient funds in your Eligible Transaction Account or Eligible Credit Account; (ii) malfunction of the Peer-to-Peer Service due to circumstances beyond our control or due to circumstances that you were already aware of at the time you initiated your Payment Instruction; (iii) inaccurate or insufficient Payment Instructions; or (iv) failure of the Recipient to claim the P2P Payment; or (v) either you or the Recipient does not provide us with any information that we request, or we are unable to verify your identity or the identity of the Recipient to our satisfaction.
3. Requesting Funds
You may also request funds to be transferred to you through the Peer-to-Peer Service by designating the amount of funds requested and your selected Sender (a “Telda Request”). If the Sender approves your Telda Request, your Telda Request will become the Sender’s Payment Instructions and be processed as described in these Telda Terms.
4. Receiving Funds
Any P2P Payment you receive via the Peer-to-Peer Service will be stored in your Telda Balance.
5. Peer-to-Peer Service Fees
Sending money to others through our P2P service is currently free, but we can charge fees in the future.
There are currently no fees for sending funds via an Eligible Transaction Account using the Peer-to-Peer Service. The fee for sending funds using an Eligible Credit Account through Peer-to-Peer Service will be displayed at the time of the transaction. We reserve the right to charge for or change the fees associated with use of the Peer-to-Peer Service at any time subject to these Telda Terms.
6. Payment Cancellation, Stop Payment Requests and Refused Payments
Our ability to stop a P2P Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing. P2P Payments not claimed by a Recipient for fifteen (15) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law.
7. Invalid P2P Payments
If we believe you received a payment that should not have been made for some reason (for example, fraud), you give us permission to reverse that payment. We are not responsible for any payments that you receive, even if you don’t know who sent the payment.
If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment.
You acknowledge and agree that we will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send them to you.
8. Risk of Fraudulent Transactions
The Peer-to-Peer Service is a money transmission service. As a result, fraudulent transactions may result in the loss of funds with no recourse.
V. Telda Card
1. Issuance of the Telda Card
We may arrange for a bank to provide you with a virtual or physical Telda Card. By using the Telda Card, you agree to any additional applicable terms from the issuing bank. We may cancel, repossess or revoke your Telda Card at any time.
Telda may arrange for an issuing bank to provide you with access to a prepaid payment card under the Telda Prepaid Card Program or a debit card under the demand deposit account program (each a “Telda Card”).
The Telda Card may be issued in virtual or physical form. To activate the virtual card, and to request a physical card, you need to follow in-app prompts.
We reserve the right to reject signatures and card applications for any reason. Prohibited signatures include, but are not limited to, those signatures that depict inappropriate subject matter, the intellectual property rights of others, or an ink-intensive design.
Once you receive your physical card in the mail you must follow the directions in the mailing to activate your card prior to use. Your personal identification number (“PIN”) will be the code you set as your Telda PIN, and you may reset the PIN in Telda. Your physical card may be cancelled, repossessed, or revoked at any time without prior notice at our discretion (including for depicting a prohibited signature) subject to applicable law.
2. Using the Telda Card
You can use your Telda Card to make purchases using any available Telda balance. You agree we can move funds from your balance to your Telda Card for purchases that you make with your Telda Card.
Your Telda Card may be used to make purchases with a merchant using any available amounts in your Telda Balance. Upon activating the Service, you instruct Telda to use the available funds in your Telda Balance to load your Telda Card for making purchases with your Telda Card and to transfer the funds from your Telda Balance to your Telda Card upon receipt of funds into your Telda Balance.
3. Payment Transaction Limits
You agree that you won’t make a purchase or transaction in excess of the funds available in your balance and if you do, you agree that we can recover any negative balance.
You can only make transactions using your Telda Card to the extent that you have funds in your Telda Balance to support those transactions. You agree not to make a purchase or other transaction in excess of the funds available in your Telda Balance. If you do make a purchase or other transaction that exceeds the funds available in your Telda Balance, you agree that we can recover any negative balance incurred.
4. No Right to Stop Payment
You do not have the right to stop payment on a transaction originated with your Telda Card.
5. “Lock Card” Feature
You may use the “Lock Card” feature of Telda to disable your Telda Card if you lose your Telda Card or think it has been stolen.
In the event of a lost, stolen, or misplaced Telda Card, or you otherwise want to prevent future transactions from your Telda Card, you may disable your Telda Card with the Telda’s “Lock Card” feature within Telda. Use of this feature will not prevent processing of pending transactions initiated prior to disabling your Telda Card. In the event you have found your card, or otherwise want to enable a disabled Telda Card, you must select the “Unlock Card” option within the Telda before your “locked” Telda Card can be used for transactions. You are responsible for preventing unauthorized disabling and enabling activity on your device relating to your Telda Card. Such activity, when not authorized, may be deemed invalid in Telda’s sole discretion.
6. Card Cancellation
If we determine that you are no longer eligible for a Telda Card, we will let the issuing bank know and your Telda Card may be canceled without notice.
We will inform the issuing bank if we determine that you are no longer eligible for your Telda Card. If you are no longer eligible for your Telda Card it may be canceled at any time without notice as detailed in the applicable Telda Card Terms and your funds will be returned to you unless they are the subject of an investigation into suspected unlawful activity, or if Telda is otherwise required by law to withhold your funds.
We make no guarantees regarding your Telda Card and we are not responsible if it gets stolen, lost, destroyed, or used without your permission.
Telda disclaims all express or implied warranties as to your Telda Card. Except as otherwise set forth herein or required by applicable law, Telda is not responsible if your Telda Card is lost, stolen, destroyed, or used without your permission.
VI. OTHER LEGAL TERMS
1. Recovery of Funds
You give us permission to recover amounts you owe by debiting funds available in your Telda account or any other account you may have with Telda. This may involve us making attempts to recover less than the full amount you owe to us. We might contact you or take other legal actions to collect amounts due.
You authorize Telda to debit, charge, setoff against and otherwise recover funds from your Account, your Telda Balance, any Balance (as defined in the Payment Terms) or any Reserve (as defined in the Payment Terms) if applicable, and any payment instrument, linked bank, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf.
Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to Telda of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize Telda to take the above steps without prior notice to you and irrespective of (i) whether we have made demand under these Telda Terms, the Payment Terms, the General Terms or any other agreement you have with us; and (ii) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules. You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms.
If Telda is unable to recover the funds by these means, Telda may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.
2. Compliance with Governmental Authorities
Telda may freeze, withhold, or remit funds in your Account in response to a facially valid subpoena, court order, search warrant, or other binding order from a governmental authority, including but not limited to tax levies or wage garnishment orders.
3. Limitations on Use
We may limit your funding sources to reduce risk. You will use Telda legally and in accordance with debit and credit card network rules. You agree to not abuse the payment system or the service. We may block or reverse any transaction, including those that violate our terms or the law, at your expense.
Telda may limit the funding sources available for a specific transaction at any time in its sole discretion. You may not use unaffiliated prepaid cards or gift cards to fund transactions on the Telda.
You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service and for all communications you send through the Service.
You further agree that in connection with your use of the Service, or in the course of your interactions with Telda, a user or a third party, you will not (a) use your Account or the Service in a manner that Telda, Visa or MasterCard, reasonably believe to be an abuse of the payment card system or a violation of payment card association rules, (b) provide yourself a Telda advance from your Eligible Credit Account (or help others to do so), or (c) use the Service to make transactions for the sole purpose of earning rewards, perks, miles, points, etc. with your Eligible Credit Account.
We reserve the right to block, refuse, or reverse any transaction, in our sole discretion. We will notify the affected parties promptly if we decide to do so, but notification is not required if the transaction is prohibited by these terms or applicable law. Neither we nor third parties to whom we assign or delegate rights or responsibilities will be liable for any claims or damages resulting from prohibited transactions. All costs for research and resolution for any misapplied, misposted or misdirected prohibited transactions will be your sole responsibility and not ours.
4. Limitations on Our Liability for Failure to Complete Transactions
There are some circumstances where we will not be liable if transactions do not go through. Those circumstances are listed here.
We will not be liable, for failure to complete transactions in the following circumstances: (a) Through no fault of ours, there are insufficient funds in your Telda Account to complete the transaction; (b) A merchant refuses to accept your Telda Card; (c) The information supplied by you is incorrect, incomplete, ambiguous or untimely; (d) An ATM where you are making a Telda withdrawal does not have enough cash; (e) An electronic terminal (Point of Sale or ATM) where you are making a transaction does not operate properly; (f) Access to funds in your Telda Account have been blocked after you reported your Telda Card lost or stolen; (g) The transaction cannot be completed because your Telda Card is damaged; (h) There is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use; (i) We have reason to believe the requested transaction is unauthorized; (j) Circumstances beyond our control (such as fire, flood, power failure, strike, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent or delay the completion of the transaction, despite reasonable precautions that we have taken; or (k) Any other exception stated in our Agreement with you.
5. Dispute Resolution
Each of your external funding sources may have different dispute resolution rights and procedures in the event your transaction turns out to be unsatisfactory (if, for example, you are disputing charges on your account). Your dispute resolution rights are determined by the funding source used to fund the applicable transaction. Please consult the terms and conditions of such funding source for more detail.
6. Our Relationship With You
We are an independent contractor for all purposes, except that we act as your limited agent with respect to the custody and transfer of your funds for the purposes set forth herein only.
7. Termination of Account
We can terminate or refuse your access to the service at any time, for any reason.
8. Services Upon Closure of Account
When your Telda account is closed, we’ll settle any pending transactions and return remaining funds in your account to you. We may need to hold your funds if there is an investigation at the time your Account is closed.
Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, (1) may be made available for you to cash out in Telda’s discretion and subject to the other conditions in these Telda Terms, and (2) we may require you to link a new bank account that has not been associated with your Account to cash out such funds.. If an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation.
9. Referral Programs
From time to time, we may offer referral programs or incentives for inviting others to use the Service (a “Referral Program”). Any bonuses or incentives under such Referral Program shall be subject to the then current Referral Program terms, if applicable, and otherwise at our sole discretion.
10. General Terms and Conditions
The customer acknowledges that his signature on these terms and conditions means his full and unconditional acceptance and commitment to use or the agreed products in accordance with these terms and conditions.
The bank may amend all or some of these terms and conditions at any time and replace them in whole or in part with other new terms and conditions, or replace a page or pages contained on the electronic application of the notice of the service notice to you at The customer to use this service after making any of the aforementioned modifications constitutes his acceptance and approval of those modifications.
The customer abides by all the rules and provisions issued by the Central Bank related to bank transfers, as well as the due diligence procedures for prepaid card service customers.
The bank/company has the right from time to time to add/modify/maintain/update the electronic banking services that may require them to stop the services for a certain period specified by the bank. The customer can refer to the bank during this period with any claims, provided that the modification, update and/or maintenance procedure of the service is announced.
The customer is solely responsible for the use of any public, shared or private software or hardware that may endanger the security and effectiveness of the use of this service and which results in the disclosure of customer data, for example: mobile phone hacking, and the customer alone bears all the consequences of that
The customer acknowledges the validity of the data and information recorded in the application for electronic banking services, and the customer bears any consequences resulting from the incorrectness of any of these data and information
Only the original customer, the owner of the card, is entitled to receive the card and subscribe to electronic banking services.
The customer acknowledges that he is aware that the instructions, transactions, data and transactions that he enters during the transaction through the “Telda X Banque Du Caire” card service and/or the phone application of the service are dealt with without any further review from the bank, or without notices. The bank bears any responsibility towards the customer in the event of an error in any data entered on the mobile application to use the service.
If the customer becomes aware that another person has viewed the confidential data or the existence of suspicious transactions related to the prepaid card or the mobile phone application, he is obligated to contact the bank / company to report and stop the card, and in the event the customer does not contact him, he is responsible for operations or transactions done on his account and all transactions are confirmed using his confidential data
The customer undertakes that all transactions made through the “Telda X Banque Du Caire” card through the phone application of the service are legitimate transactions and are used for legitimate purposes and for persons who are not prohibited from dealing with them, and acknowledges that he is the real beneficiary of this service.
The customer authorizes the bank/company to send alerts, advertisements, advertisements and marketing campaigns about new products using any of the electronic means including but not limited to: the internet, e-mail, e-mail, and e-mail.
In the event that services are interrupted due to the interruption of the systems operated by the bank or any of the specialized parties that the bank contracts with, the bank shall exercise due diligence to restore the services as soon as possible, and once the service is returned to you, the service is returned.
The customer is solely responsible for the correctness of the data related to the bill payment feature, including but not limited to the phone number, the amount, the invoice number, etc., without the slightest responsibility on the bank, provided that the customer bears all that is required of the customer. The bank does not review the correctness of this data
The customer is committed to providing enough balance in the account to pay any invoices in the dates set for payment and the bank is not responsible for paying any bills on due dates due to the lack of enough balance and the customer is alone in the event of any returns or fines for delayed invoices from delayed repayment.
No responsibility shall be incurred by the bank or the specialized parties with whom the bank contracts for any damages resulting from delays in sending and transmitting information, non-receipt, errors or loss of information, or forcible disruption of work, negligence of accidents or accidents. Natural disasters, security problems, measures taken by state authorities or any other events, and the Bank shall not be liable for any damage to the customer, technology or electronic equipment in the event of any such occurrence.
The customer is obligated to read and understand the warnings and alerts contained on the application for the service, and to accept all terms and conditions and any changes thereto, which will appear through the electronic services website, and considered legal.
The bank is obligated to maintain the confidentiality of all data and information that may be delivered to it from the customer on the occasion of providing any of its products or services. in force in the Arab Republic of Egypt, or in implementation of any binding provisions or orders, or in accordance with the terms and conditions of the application and the card.
The client is delegated and the Cairo Bank declares a permanent statement that is not referred to in circulation and disclosure of some or all data on its accounts at any third party to develop and facilitate all banking banks or the provision of customer banking services without a liability for the Bank. Telda company access to transaction data
The relevant Egyptian laws and their implementing regulations, instructions and supervisory rules that govern the services that the bank provides to customers via mobile phone, and disputes are settled within the Arab Republic of Egypt.
The customer acknowledges that he accepts full and complete responsibility for maintaining confidential data and the necessary procedures for its preservation and not disclosing it to any person or employee of the bank’s employees or any other party including, for example, the personal information, such as the identity card or identity card. And not to disclose the password to anyone, including bank employees
The bank exerts due diligence to provide the “Telda X Banque Du Caire” card service through the private phone application and is not responsible for any failure to provide it, in part or in whole, for any reason beyond the control of the bank, and the bank does not disclose For example, it is not limited to quality, speed, performance, accuracy, etc. The bank also does not guarantee that the programs are free from malfunctions or defects. The bank undertakes to adjust the negative effects on banking operations that occur because of this, and the customer acknowledges that the bank has incurred what was incurred by the bank. or default
Al-Qahera's logo is a trademark and registered for the Bank, and in general, bank is entitled to the Banque Du Caire products and are the property of the Bank or any other party referred to on the website pages.
A customer commits and undertakes not to copy or publish any of the programs, screens, documents, pictures, graphics, information, signs, texts or promotional materials of the Bank, and the customer is also committed not to allow any other persons to make through you copies of copies or copies of available screensthrough the application from or to, but not limited to, any computer, phone, smart phone, or any other similar electronic device. The customer shall take all necessary legal measures to protect his rights, other than the necessary compensations to correct the damages that may be incurred by the bank.
Any notification, request, or any correspondence is sent to the customer at his address registered through the application.
The terms and conditions of the application as well as the subscription form for the service are an integral and complementary part of each other.