Terms of Service

1. Introduction

Applicable Terms: These terms of use are between CWallet Services W.L.L (“CWallet” or “we”), and you (“you” or “your”). Please read each of these CWallet terms of use (“Terms”) carefully, as they contain important information about your legal rights, remedies, and obligations. These Terms constitute a legally binding agreement between you and CWallet governing your access to and use of the CWallet mobile application (“CWallet App”) and CWallet Services (as defined above). If you do not understand these Terms or do not accept any part of them, then you should not use the CWallet Services. You understand and agree that CWallet reserves the right to update any of these Terms from time to time. You must ensure that you keep yourself up-to-date and read the Terms at close intervals.

2. Contact

If you have any questions about the CWallet Services, your CWallet Account (as defined below), or these Terms please get in touch with us via the app or by emailing us at support@cwallet.qa (“CWallet Contact Center”)

3. Am I eligible?

You must be at least 18 years of age to open CWallet Account or use CWallet Services, have a valid Qatari ID, be able to form legally binding contracts under applicable law, and you are not barred or otherwise legally prohibited from accessing or using CWallet Services under the laws of the State of Qatar.

4. Third-Party Terms and Conditions

CWallet may facilitate the provision of third-party products or services to you within CWallet App. In order to use these third-party products or services, you may need to accept additional terms and conditions and meet additional requirements.

5. Opening a CWallet Account

• (a) You acknowledge the validity of the data and information included in the application for electronic services, and you bear any responsibility that results in the event that any of this data or information is incorrect. All liability shall be solely borne by you.
• (b) To open an account in CWallet (“CWallet Account”), you will be required to submit certain (or specific) personal information including but not limited to your Qatari ID front, back, and a ‘real-time’ video of yourself holding the Qatari ID (via the app) to validate your identity, address, work, etc. We may also ask you for additional information or documents to help us identify you. In case you are asked to upload your passport as an identification document, the passport shared by you must be ICAO compliant. Visitors who do not hold a valid Qatari ID and wish to open a CWallet Account must have a valid visa issued by the Ministry of Interior.
• (c) We may also ask you to update and verify your information from time to time. This is so that we can be sure that the only person who can access your E-Wallet is you.
• (d) We keep our right to revise and approve or reject your account opening request.
• (e) We may delay, suspend or block your access to your E-Wallet (at any time without notice) until you comply with this information request or other verification steps.
• (f) We may also, from time to time, be required to undertake financial crime screening to comply with applicable laws or regulations, in such circumstances, you agree to cooperate with any requests for information.
• (g) If you don’t provide (or maintain) accurate, complete, and up-to-date personal information it may result in your inability to access and use the E-Wallet without notice.
• (h) You agree to maintain the security and secrecy of any usernames and passwords associated with your E-Wallet.

6. Electronic Know Your Customer (“KYC”) Checks

You will be able to complete Electronic KYC checks. You will have the option to upload valid documents to the application, which will be scanned on AML/CFT software.

7. CWallet Services

By opening an account with CWallet you shall have access to the following services (without limitation):

• (a) The E-Wallet

  If you are given access to the E-Wallet, you will be able to:

  • (i) add funds to your E-Wallet;
  • (ii) add different types of beneficiary;
  • (iii) make transfers to other E-Wallet users in the State of Qatar;
  • (iv) make transfers to other users’ bank accounts in the State of Qatar;
  • (v) make cross-border transfers;
  • (vi) manage payment for Services (available on the CWallet App);
  • (vii) check-out and pay for products/goods on third-party sites;
  • (viii) withdraw;
  • (ix) The availability of these features is subject to these Terms, and we retain the right to disable your use of the E-Wallet and your access to the CWallet App if you breach the Terms.
  • (x) To make payments using your E-Wallet you can have the balance in your E-Wallet.
  • (xi) The balance shown in your E-Wallet is a representation of net available funds held within our partner escrow bank account maintained and operated by our partner local bank (“Partner Bank”) in accordance with applicable laws. When you complete a transaction, CWallet will deduct the transaction amount (including any applicable taxes, fees, or charges) from the balance shown in your E-Wallet and tell the Partner Bank to deduct the corresponding amount from funds held on your behalf within the bank account. The Partner Bank is licensed and regulated by the Qatar Central Bank and authorised to hold funds on your behalf. The Partner Bank is responsible for the funds held in the Bank Account. You acknowledge and agree for the funds to be held by the Partner Bank on your behalf. It is clarified that CWallet is only a facilitator of payment transactions and is not responsible for the funds held in the bank account by the Partner Bank.
  • (xii) When you use a card for payment the issuer of that card is responsible for the settlement of the transaction. However, you can raise a ticket within CWallet App through CWallet Contact Center and CWallet will investigate the issue and revert back to you at the earliest.
• (b) Quick Response (“QR”) Service
  • (i) With the QR Service, you can send payments from your CWallet Account to a QR Payee by simply scanning the QR Payee’s QR Code using the CWallet App installed on your mobile device (“QR Transaction”). For the purposes of these Terms, “QR Payee” shall mean the billing organisation or merchant (whether physical or online) that accepts payment for goods, services and/or bills via the QR Service.
  • (ii) To access the QR Service you will require a QR PIN which is: i. the personal identification number given to or selected by you when you first activate your use of the QR Service; or ii. where applicable, your fingerprint registered on your permitted mobile phone.
  • (iii) By making a QR Transaction as mentioned in Clause 7 (c)(iii) above, you are authorizing payment to the QR Payee. You acknowledge that the QR Transaction will be processed and that your CWallet Account shall be debited with the QR Transaction amount without requiring in all cases, your signature or other PIN/password (other than the QR PIN) to authorize the QR Transaction.
  • (iv) You are responsible for keeping your security codes confidential and preventing fraudulent or unauthorised usage of your source account through the QR Service. You are also responsible for ensuring that the details of each QR Transaction made using the QR Service and authorised by your entry of the QR PIN are accurate. You undertake to be liable for all QR Transactions that are debited from / posted to your source account via the QR Service, even if not authorised by you or if authorised by you in error.
  • (v) You are prohibited from using the CWallet Service on any electronic equipment that you know or have reason to believe has had its security or integrity compromised (for example, where the device has been “jail broken” or “rooted”). You will be solely liable for any losses, damages and expenses incurred as a result of your use of the QR Service on compromised electronic equipment
  • (vi) At any time, we reserve the right to: (a) impose or amend any maximum or minimum QR Transaction limits in connection with your use of the QR Service; (b) refuse to allow your source account to be debited for the QR Transaction amount if we reasonably consider such refusal to be in your best interest; or (c) modify or discontinue, temporarily or permanently, the QR Service. You agree that we will not be liable to you or any third party for any block, restriction, suspension, disqualification, or termination of your use of the CWallet Account or the QR Service.
  • (vii) The QR Service will be accessible at all times except (during regular maintenance, servicing including down time prior notification or any other reason), or that any particular merchant will accept payments utilising the QR Service. We shall not be liable for any liability, loss, damage, cost and/or expenses whatsoever due to the availability or non-availability of the QR Service, any delay or failure in the making of a QR Transaction, or any loss, injury, or inconvenience which you may suffer as a result of using the QR Service.
  • (viii) It is your responsibility to report to us immediately when you suspect or come to realise that: (a) Your electronic equipment with which you use to access the QR Service has been lost, stolen or tampered with; (b)Someone else knows your security codes including the QR PIN; and (c) There has been unauthorised access to your CWallet Account, security codes, CWallet App or electronic equipment with which you use to access the QR Service.
  • (ix) We bare no liability for any errors arising from user error. This includes but is not limited to the recipient displaying the incorrect QR code.
  • (x) We are not liable for: (a) The refusal by any QR Payee to accept a QR Transaction, and (b) Any defect or deficiency in the goods or services supplied to you by a QR Payee, through your use of the QR Service.
  • (xi) You acknowledge that our ability to assist you with resolving any complaint or dispute that you may have with any QR Payee is limited and dependent on different factors including but not limited to the nature of the dispute or complaint and the payment network on which the QR Transaction was made. Accordingly, where we are unable to help, you agree to resolve any complaint or dispute against any QR Payee directly
• (c) CWallet Remittances Services (International Transfers)
  • (i) While processing a remittance transaction, make sure that you provide the beneficiary details.
  • (ii) The beneficiary may receive the transaction amount in the following mode and manner:
    • (a) Bank Transfer;
    • (b) Cash-pickup; or
    • (c) Digital Wallet
  • (iii) If the transaction is returned due to incorrect details, CWallet would not be taking the responsibilities, and the remitter has to bear the additional charges if any, for resending the remittance. The prevailing buying rate for the transaction would be applicable on the refund.
  • (iv) The remittance charges might not be returned back for some transactions.
  • (v) In cases of instant credit transactions, if the beneficiary has not collected the amount or the transaction is returned, you will have to notify us to process the refund or re-credit, within 3 (three) days from the date of transaction.
  • (vi) CWallet would not be responsible for the delays due to factors out of our controls, such as failures in telecommunication, natural disasters etc.
  • (vii) The remitter should cross check the account details and the amounts entered before confirming the transaction.
  • (viii) You undertake that the transaction is meant for your personal lawful reasons and the sources are not from any illegal proceedings.
  • (ix) You undertake that you will cooperate with our requirements, if any, to verify the sources and purpose with respect to our AML- CFT process and procedures and to provide us with the required information.

8. Withdraw; Refunds of e-money

• (a) You may withdraw your e-money by making a request to withdraw money. E-money can be withdrawn and transferred directly to your local bank account or by visiting CWallet office at its headquarters.
• (b) CWallet shall provide refunds of e-money balances in your CWallet Account should you decide to close your CWallet Account, no longer wish to use the CWallet Services, or were wrongly charged due to technical discrepancies or if for any reason the scheme is being wound-up or is directed by QCB to be discontinued.
• (c) CWallet shall refund the sum without any additional cost other than what is necessary to complete the refund transaction within 30 (thirty) days from the date the claim is made.
• (d) Refunds in case of failed / returned / rejected / cancelled transactions may be credited to the respective CWallet Account immediately even if such credit of funds results in exceeding the prescribed limits.
• (e) Any CWallet Account that is inactive for a period of 6 (six) months shall be placed in a dormant accounts list. We shall notify you of our intention to suspend your CWallet account before placing it on the dormant accounts list.
• (f) Any unclaimed money in the dormant CWallet Account shall be subject to the regulations in force for handling unclaimed deposits in accordance with the provisions of the instructions on blocked deposits and unclaimed funds in the “Instructions to Banks 2013” and any law replacing or amending it.
• (g) Refunds of any balances in the CWallet Account in case of death of the account holder shall be processed in line with the provisions of the instructions in force in this regard.
• (h) No withdrawal or transfer transaction from the suspended E-Wallets shall be accepted unless you in person or your authorized representative under a power of attorney or a duly accredited authorization (and the authorized signatory whocan sign the E-Wallets) visits CWallet office in our headquarter. Minors are excluded from this clause, where their guardians are entitled to do that on their behalf.
• (i) No credit or debit transactions shall be considered a reason to re-open the suspended E-Wallet except as stipulated in clause 8(j) below.
• (j) If you or your legal representative visit CWallet office with the intention of reopening the suspended E-Wallet or withdraw the remaining balance, CWallet shall re-open the E-Wallet or liquidate the available balance after verifying your or your legal representative’s identity and signing a certificate affirming the balance validity on the date of signing.

9. CWallet’s Roles and Responsibilities

You understand and agree to the following:

• (a) CWallet is committed to maintain the confidentiality of all data and information that might be handed over by you. CWallet is also committed to preserve the confidentiality of all operations performed by you through any of the electronic mediums used in providing the service. CWallet and you are committed not to disclose any of the above except according to the Qatar laws, or for applying any sentences, or abiding orders or regarding terms and conditions of using the CWallet Service.
• (b) CWallet is committed to make sure that the credentials shared by you are never shared with any other third party.
• (c) You agree and acknowledge that CWallet can submit or disclose all or some information and documents related to your account/accounts to any of its branches, and/or agents and/or any of the entities that provide technical or financial services or regulatory authority upon request, according to what CWallet sees adequate and necessary.
• (d) CWallet has the right to record phone calls received on the numbers dedicated to CWallet Contact Center and to keep it.
• (e) CWallet at any time has the right to terminate the service, without any liability to you or any third party. CWallet has the right to amend any terms and/ or conditions of using the service, and any amendment will be applicable to you once notified through any of the means seen adequate by CWallet as long as the change has been notified, and in case you do not accept any of these amends or changes you must inform CWallet of your wish to terminate contract within 30 (thirty) days from the date of receiving notification, and you must stop right away execution of any transactions and to submit to CWallet a request to close your E-Wallet and execute needed settlements including payment of any dues and refunding any remaining amounts owed to you in your balance and then follow same procedures of cancellation.
• (f) In case any information or data related to you is changed, you are committed to inform CWallet right away of the change.
• (g) CWallet has the right to change the maximum limit of withdrawals or payments or any other transactions as CWallet sees adequate and is committed to inform you with the means it sees adequate.

10. Your Use of the CWallet Account

• (a) Your use of the CWallet App is governed by these Terms. If you use the Wallet, you are agreeing to the Terms. If you don’t agree to the Terms, you should not continue to use or access the E-Wallet.
• (b) You may not authorise third parties to use your E-Wallet. You can only have one E-Wallet. You may not assign or otherwise transfer your E-Wallet to any other person or entity.
• (c) You agree to only use the CWallet App for lawful purposes and you will always comply with all applicable laws when you are using them.
• (d) Once you have completed the CWallet Account opening procedures, and after verification of your identity, CWallet will send SMS to you confirming the CWallet Account opening and notifying you. You agree and acknowledge that the account username and password shall be kept under your own responsibility.
• (e) CWallet keeps its right to revise and approve or reject your account opening request.
• (f) CWallet keeps its right to verify any kind of false play at any time while the CWallet Service is up and running.
• (g) The account has to be linked to a mobile line number provided by any of the active mobile networks in Qatar, and this line has to be owned by you and in your actual possession. The mobile line number should not be registered with another e-wallet from a different local service provider. In case the mobile line number is already registered with another e-wallet the owner of the mobile line number shall be notified to unsubscribe.
• (h) You are committed to always keep your password under your self-control, and according to this, you will be solely responsible for disclosing any data or information related to you or any of your accounts if this disclosure is the result of a mistake, shortcoming, or negligence at protecting your password.
• (i) You are solely responsible for all activity in your E-Wallet even as a result of loss, damage or theft of the device through which you access the CWallet App.
• (j) You shall be notified of all transactions that you have made using CWallet Services via SMS that includes transaction data on your mobile phone.
• (k) You admit your responsibility for all transactions and operations executed on the E-Wallet as long as these transactions and operations have been executed through the account linked to the E-Wallet and using the password, and our books and records shall act as evidence against you and anyone else.
• (l) You acknowledge that CWallet is not responsible for any costs or burdens that may occur as a result of the internet service / mobile phone network problems, malfunctions or outages.
• (m) CWallet will not be responsible for any losses or damages that can affect you because of the misuse of the service or because of any mistake done or any damage that might happen from your side, or because of the insufficiency of the E-Wallet fund, or any other reason related to you, or because of any problems or malfunctioning that might occur on the CWallet App.
• (n) You acknowledge that CWallet is not responsible for any mistakes made by you in case you initiate a payment process using incorrect beneficiary (“Payee”) details or incorrect bank details. However, CWallet will make reasonable efforts to recover funds from the wrong recipient of funds.
• (o) You acknowledge that CWallet is not responsible for any costs or burdens that may occur as a result of the internet service / mobile phone network problems, malfunctions or outages.
• (p) CWallet will not be responsible for any entities’ refusal of available balance as a payment method and will not be responsible for goods or services that you will acquire using this balance. Any complaint from you in this issue, you will have to resolve it with this entity directly, and CWallet’s role will be limited only in this regard to add any amount you might get refunded to the E-Wallet.
• (q) In case any complaint from your side related to the CWallet Service, CWallet Contact Center should be contacted, and the agent shall transfer this complaint to the concerned department to revert back to you in due course.
• (r) You undertake not to misuse the E-Wallet or to allow any third party to misuse the E-Wallet in unusual/suspicious transactions, or in transactions related to financial/fraudulent crimes, money laundering, terrorist financing, fundraising, and distributing of funds for charitable purposes, trading in virtual currencies and virtual assets, or gambling. You also undertake to notify CWallet and the relevant authorities immediately when you suspect that any of these transactions exist, regardless of whether they occurred or not, and regardless of their values.
• (s) You shall be liable for all direct/indirect loss if you have breached the Terms contained herein or contributed or caused the loss by negligent actions or a failure on your part to advise CWallet within a reasonable time about any unauthorized access in the account, or about any suspicious transactions.
• (t) You have the right at any time to close your CWallet Account and liquidate your electronic deposits through calling CWallet Contact Center and requesting account cancellation. CWallet is committed to close the account (after you have received the cash) within two (2) working days of cancellation request.
• (u) You must be eighteen (18) years of age or older, in order to use the CWallet App. If you allow anyone to use the CWallet App, including individuals under eighteen (18) years of age, you will be responsible for ensuring that such individuals comply with the Terms.
• (v) You will need a mobile, internet or any other supported device (“Device”) that meets certain system and compatibility requirements, which may change from time to time to use CWallet App. Your ability to use CWallet App and the performance of CWallet App may be affected by these factors. You agree that you are responsible for such requirements, including any applicable changes, updates, fees, and all other terms provided under your agreement with your mobile Device and telecommunications provider. CWallet will not be responsible for any lapse of security or failed transactions due to your internet or device service provider.
• (w) You may need to install updates to your CWallet App that CWallet introduces from time to time to access, use, or continue to use CWallet Services. Your CWallet App may communicate with CWallet servers from time to time to check for available updates to CWallet App, such as bug fixes, patches, enhanced functions, missing plug-ins, and new versions (collectively the “Updates”) Your use of CWallet App requires that you have agreed to receive such automatically requested Updates. If you do not agree to such automatically requested and received Updates, then please do not use the CWallet App. Notwithstanding the foregoing, CWallet may update the CWallet App to a new version of such app, irrespective of any update settings that you may have selected within the CWallet App or your device, if CWallet determines that the update will fix a critical security vulnerability related to the CWallet App.
• (x) CWallet has the right according to its own assessment to stop or cancel the CWallet Services in case the CWallet Services are used in contradiction to any of the terms and conditions or any applied laws and procedures in the State of Qatar or the regulations of Qatar Central Bank and AML/CFT laws, including for example but not limited to buying any products, goods, or services prohibited according to the laws of Qatar, or dealing with restricted entities and individuals.

11. Restricted Activity, Unauthorized Use of your Account, and Fraudulent Activity

(a) When using the CWallet you will not:

• (i) provide false, inaccurate, or misleading information;
• (ii) engage in any potentially fraudulent or suspicious activity and/or transactions, including receiving money that may be fraudulent or adding money to your Wallet which may be linked to criminal activities;
• (iii) refuse to cooperate with an investigation or provide any information we request, including with respect to verifying your identity;
• (iv) transmit any communication, material, or other content that is illegal, obscene, defamatory, threatening, intimidating, harassing, hateful, racially or ethnically offensive, or which could instigate or encourage conduct that would be illegal or otherwise inappropriate, including promoting violent crimes;
• (v) impersonate someone;
• (vi) seek to harm CWallet or any other users or customers;
• (vii) Infringe CWallet or any third party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy;
• (viii) access, use, copy, modify, distribute, display, otherwise exploit or prepare derivative works based upon our services in impermissible or unauthorised manners, or in ways that harm us.
• (ix) reverse engineer, alter, modify, create derivative works from, decompile, or extract code from our services, except to the extent permitted by law;
• (x) send, store, or transmit viruses or other harmful computer code;
• (xi) gain or attempt to gain unauthorised access to our systems or those of our group companies;
• (xii) create accounts through unauthorised means;
• (xiii) use any robot, spider, other automatic device, or manual process to monitor or copy the CWallet App without prior written permission;
• (xiv) collect the information of or about our users in any impermissible or unauthorised manner; and/or
• (xv) sell, resell, rent, or charge for the use of our services.



(b) If you don’t comply with the terms of this section above or:

• (i) we have reasonable grounds to suspect someone is using your CWallet without your authority;
• (ii) we do not have sufficient information to operate your CWallet, including up to date information;
• (iii) we identify that you were not eligible to open a CWallet;
• (iv) your behaviour makes it difficult for us to deal with you;
• (v) you do not accept any updated versions of these Terms;
• (vi) you are insolvent;
• (vii) you die; or
• (viii) we suspect you have violated these Terms,

we may (at our sole discretion) take certain actions against you, including but not limited to: (i) suspending or terminating your right to use the CWallet, certain products, the CWallet App (or certain parts of it), (ii) legal action against you (including a claim for the cost of the action), (iii) disclosure of such information to law enforcement authorities as we feel is necessary, (iv) And/or immediate, temporary, or permanent removal of any posting or material uploaded by you to our Service.

(c) In addition, you agree to notify CWallet immediately upon becoming aware of any fraudulent activity. Notifications may be made via the Application or email. You are solely responsible for informing your financial institution or payment services provider of any fraud related to a payment card saved in your wallet.

(d) You agree that CWallet is not responsible for the unauthorised use of your CWallet. CWallet reserves the right (in its sole and absolute discretion) to suspend or void any transaction, where CWallet suspects that the transaction is related to fraudulent, unlawful, illegal, suspicious, or criminal activity or that you are otherwise in violation of these Terms.

12. Safeguarding of money collected

• (a) CWallet shall place the amount collected in exchange for the e-money issued or the amount received on behalf of you as a merchant acquirer, in an ESCROW account (“Escrow Account”) with Qatar National Bank (“QNB” or “Bank”) which is a bank licensed by QCB.
• (b) The Escrow Account shall be intended only for settling your funds and for reversing transactions, with the commissions earned or any other commissions separated from this Escrow Account.
• (c) The Bank shall manage the Escrow Account and conduct settlement operations for merchants ’funds within 2-5 business days from the date of the payment movement.
• (d) You agree and acknowledge that the Bank maintaining the ESCROW account is responsible for the safety and security of the amount collected by CWallet from you. It being clarified that CWallet shall not be responsible for safeguarding the money collected from you.

13. CWallet Charges and Fees

14. Limitations & Thresholds

15. Use And Protection of Intellectual Property Rights

• (d) CWallet is protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws of the State of Qatar. CWallet owns the title, copyright and other worldwide intellectual property rights in the CWallet Services. These Terms do not grant you any rights to the intellectual property rights in the CWallet Services. Nothing contained herein shall authorize you to use, apply, invade or in any manner exploit or infringe the intellectual property rights of CWallet or its affiliates without prior written consent. You are hereby given a limited license to use the CWallet Services, subject to your agreement of these Terms.
• (e) When you upload, submit, store, send or receive content that may include feedback to or through CWallet App, you give CWallet a worldwide, perpetual license to use, host, store, reproduce, modify, create derivative works (such as those resulting from translations, adaptations or other changes we make so that your content works better with CWallet Services), communicate, publish, publicly perform, publicly display and distribute such content. This license shall not revert back to you even if it is not used by CWallet. The rights you grant in this license are for the limited purpose of operating, promoting, and improving CWallet Services, and to develop new ones. This license continues even if you stop using CWallet Services.

16. Responsibility For Taxes

The reporting and payment of any applicable taxes arising from the use of CWallet Services is your responsibility. You hereby agree to comply with any and all applicable tax laws in connection with your use of CWallet Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through CWallet Services, or funds/income received through CWallet Services.

17. Indemnity

You agree to indemnify, defend and hold harmless CWallet, its affiliates, and its and their directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (collectively the “Indemnified Parties”) from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorney fees, including without limitation attorney’s fees and costs incurred by the Indemnified Parties arising out of, relating to, or which may arise from:

• (f) your use of the Services; or
• (g) any breach or non-compliance by you of these Terms; or
• (h) any dispute or litigation caused by your actions or omissions; or
• (i) your negligence or violation or alleged violation of any applicable law or rights of a third party.

18. Privacy And Communications

• (j) In addition to other clauses in the Terms, you agree and specifically consent that we may collect, store, and use your personal data and any communications made through CWallet App, in accordance with Law (13) 2016 on Protecting Personal Data and our Privacy Policy.
• (k) CWallet may share your payments related information with merchants, banks, third party providers and service providers as required for the purpose of operations, settlement payment processing, and promoting CWallet Services.
• (l) If you are a recipient, you agree and specifically consent that CWallet may store your information including bank account number on CWallet App for the purpose of sending you payments.
• (m) You agree and specifically consent that CWallet may, through automated means, access your CWallet App navigational, log, and correspondence information/data. This information/data will help us analyse the merchants, markets, technology, operating systems, browsers, Devices, locations from/for which our CWallet Services are used. For example, such information and its analysis will help us to better understand your needs and provide you with a wider range of services, or developing updates for particular operating systems and mobile application versions, etc. The information collected also helps us offer you other products, programs, or services including offers as provided by merchants that we believe may be of interest to you or alert you in case of software compatibility issues.
• (n) You agree and specifically consent that CWallet may, through automated means, access your messages on your mobile Device/mobile number and retrieve/use information from your messages to provide you with enhanced services by CWallet or its affiliates. For example: OTP is a one-time password which is provided by your issuing bank in order to carry out the second factor authentication. If you allow us to access your messages, you understand that we may retrieve your OTP from the message received on your mobile Device/number and populate and submit the OTP for second factor authentication.
• (o) You represent that you have obtained all requisite prior consents and waivers necessary from any third party or recipients and have provided such third party or recipient with notice to permit CWallet and its affiliates to carry out actions described in this paragraph. You further warrant that you will provide such notices and secure such necessary consents and waivers in advance of providing similar information to CWallet in the future.
• (p) If you choose to delete or wipe-out any information or data from CWallet App or your CWallet Account or you or CWallet, choose to terminate the use of your CWallet Account or CWallet Services, you understand that we may still retain, use and/or disclose such information/data for legal reasons detailed in the Privacy Policy.
• (q) The Privacy Policy explains how we treat your personal data and protect your privacy when using CWallet App.

19. Communications from or with CWallet:

You agree and specifically consent to the collection, storage and use of your information for communications from or with CWallet. You agree and specifically consent that we may, on our own or through third parties, send you emails, SMS, or communicate with you through other means, for:

• (r) providing you with CWallet Services and transactional or account related information; or
• (s) sending you payment related reminders/updates; or
• (t) promoting CWallet Services or other services; or
• (u) promoting new products and activities; or
• (v) investigating or resolving any product or CWallet Service-related concerns including complaints; or
• (w) obtaining your invaluable feedback.

In order to serve you better, we may also send you surveys to understand (a) your experience with our Services; and/or (b) your needs and requirements.
You may choose to, or we may invite you to, submit comments or ideas about CWallet Services, including without limitation about how to improve the Service or our products. By submitting any idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place us under any fiduciary or other obligation, and that we are free to use the idea without any additional compensation to you, and/or to disclose the idea on a non- confidential basis or otherwise to anyone.

20. Disclaimers; Limitation of Liability; Force Majeure

• (a) The CWallet App and CWallet Services are provided “as is” and “as available.” CWallet disclaims all representations and warranties, express, implied, or statutory, not expressly set out in these Terms, including the implied warranties of merchantability, fitness for a particular purpose and non-infringement. in addition, CWallet makes no representation, warranty, or guarantee regarding the reliability, timeliness, quality, suitability or availability of the CWallet, CWallet App, services, or any other services requested through the use of the CWallet App, or that the CWallet App will be uninterrupted or error-free. You agree that the entire risk arising out of your use of the CWallet App and CWallet Services, and any service requested in connection therewith, remains solely with you, to the maximum extent permitted under applicable law.
• (b) Unless expressly stated otherwise in these Terms CWallet and their affiliates and partners shall not be liable for indirect, incidental, special, exemplary, punitive or consequential damages, including lost profits, lost data, loss of a business opportunity , loss of profits, loss of business or loss of business opportunity; or loss as a result of any failed payment due to insufficient funds in your CWallet; losses incurred as a result of abnormal or unforeseeable circumstances outside our reasonable control, including delays or failures caused by problems of another system or network, mechanical breakdown, industrial action or a pandemic; losses incurred where a law, or guidance or instruction from an governmental authority, requires us to take action, for example to terminate these Terms and close your CWallet; or any other loss or damage to the extent that such loss or damage is caused or contributed to by you, or is a result of the failure by you to comply with these terms.
• (c) Nothing in these Terms is intended to exclude or limit the liability of any party for (a) death or personal injury; (b) fraud; (c) fraudulent misrepresentation; or (d) any liability that cannot be excluded or limited by law.
• (d) You and CWallet acknowledge that each party has entered into these Terms relying on the limitations of liability stated herein and that those limitations are an essential basis of the bargain between the parties. In addition to and without limiting any of the foregoing, no CWallet party shall have any liability for any failure or delay resulting from any condition beyond the reasonable control of such party, including but not limited to governmental action or acts of terrorism, earthquake, fire, flood or other acts of God, labour conditions, power failures and internet disturbances.

21. Modification Of Terms of Service; Updates

• (x) We have the right, in our sole and absolute discretion, to change, modify, or amend any portion of the Terms at any time. The changes will become effective, and shall be deemed accepted by you, after the initial posting and shall apply on a going-forward basis with respect to transactions initiated after the posting date. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the CWallet Services.
• (y) In addition, we reserve the right at any time to modify or discontinue, temporarily or permanently, the CWallet App or CWallet Services (in whole or in part) with or without notice. We may also change the CWallet Services, including applicable fees, in our sole discretion. If you do not agree to the changes, you may stop using the CWallet Services. Your use of the CWallet Services, after implementation of the change(s) will constitute your agreement to such change(s). You agree that we shall not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Services.
• (z) Software updates: When an update of the CWallet App becomes available, you are strongly encouraged to download this as soon as possible following its release. Updates are created to better the CWallet App and the user experience thereof. If you do not update the CWallet App, it may no longer be supported by us and, over time, will likely depreciate in functionality.

22. Notice

CWallet may give notice by means of a general notice on the CWallet App, electronic mail to your email address in your CWallet Account, or by written communication sent to your address as set forth in your CWallet Account. You may give notice to CWallet by written communication to CWallet’s email address at support@cwallet.qa.

23. Assignment

You may not assign or transfer your rights under these Terms in whole or in part without CWallet’s prior written approval. You give your approval to CWallet for it to assign or transfer its rights and obligations under these Terms in whole or in part, including to CWallet or an entity identified by CWallet (subject to compliance with relevant laws). CWallet shall be entitled to assign this Agreement (including its rights and obligations hereunder) to any subsidiary or affiliate of CWallet or in connection with the sale or other transfer of substantially all of CWallet equity or business assets.

24. Restricting the communications from the CWallet App

You may as a user, opt to not receive any promotional materials (including but not limited to offers or schemes or prizes or newsletters, merchant updates), however, you shall not be able to opt to not receive any critical operational messages (which are required to be sent by CWallet to inform you of any important updates in relation to the CWallet Services and the CWallet App). If you wish not to receive any promotional materials, you should send an email to support@cwallet.qa. You may at any time elect to resume the receipt of promotional materials by sending an email to support@cwallet.qa

25. Termination And Suspension

We reserve the right, in our sole and absolute discretion, to suspend or terminate your use of one (1) or more CWallet Services, at any time without any prior written notice and without liability to you or any third party, for any reason, including without limitation violation of these Terms or other policies we may establish from time to time.

26. Advertising

Some of the CWallet features may be supported by advertising revenue and may display advertisements and promotions. In consideration for CWallet granting you access to and use of the CWallet Services, you agree that CWallet may place such advertising and promotions.

27. Governing Law; Jurisdiction

These Terms will be governed by and construed in accordance with the laws, rules and regulations of the State of Qatar and Qatar Central Bank. Any dispute arising between the parties shall be resolved by the Qatari courts, subject to the Commercial Law No. 27 for the year Promulgating the Trading Regulation Law and QCB Law No. 13 for the year 2012, then all the related laws and bylaws in force at the State of Qatar and the institutions of Qatar Central Bank and the International Banking Customs and their amendments. You understand that we may need to share information that you provided on CWallet in order to satisfy applicable law, regulation, legal process or an enforceable governmental request.

28. Waiver

Unless otherwise expressly stated in these Terms, the failure to exercise or delay in exercising a right or remedy under the Terms will not constitute a waiver of the right or remedy or a waiver of any other rights or remedies, and no single or partial exercise of any right or remedy under the Terms will prevent any further exercise of the right or remedy or the exercise of any other right or remedy.

29. Survival Of Provisions

The terms and provisions of the Terms, which by their nature and content are intended to survive the performance hereof by any or all parties hereto will so survive the completion and termination of these Terms.

30. Severability

If any provision of the Terms is or becomes, in whole or in part, invalid or unenforceable but would be valid or enforceable if some part of that provision was deleted, that provision will apply with such deletions as may be necessary to make it valid. If any court/tribunal of competent jurisdiction holds any of the provisions of the Terms unlawful or otherwise ineffective, the remainder of the Terms will remain in full force and the unlawful or otherwise ineffective provision will be substituted by a new provision reflecting the intent of the provision so substituted.