TERMS OF USE

These terms of use (together with the documents referred to in it) (referred to as “Terms”) are the terms on which you may make use of our website www.mbmepay.ae and/or our mobile application (Referred to as “MBMEPAY Platform”), whether as a guest or a registered customer (referred to as “User”). Use of the MBMEPAY Platform includes accessing, browsing, or registering, booking and paying on the MBMEPAY Platform. Please read these Terms carefully before you start to use the MBMEPAY Platform. By using the MBMEPAY Platform, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use the MBMEPAY Platform. If you do not agree with any amendments made by to these Terms at any time in future, you must stop using the MBMEPAY Platform with immediate effect. These Terms refer to, incorporate, and include our Privacy Policy and Refund Policy.

ABOUT US

The MBMEPAY Platform is owned and operated by MBME Pay Payment Services Provider L.L.C. with MaxBox Establishment date 2009 (the “Company”), with its registered office at 1405, Prism Tower, Business Bay, Dubai, UAE. The Company has been formed pursuant to law no. 16 of 2005 with limited liability. United Arab Emirates is our country of domicile.

MBMEPAY Platform is the largest payment and government services platform in the UAE, we have been making payments simple, secure and quick since 1997. We are an acknowledged UAE leader in developing payment solutions for our partners, retailers and customers. We offer customers a convenient way to top up, pay bills, transfer money to family and friends, donate to charity and utilize a range of smart services at our self-service kiosks. Our global experience and knowledge of kiosks, payment, security, and user acceptance are pivotal in our deliverance of high class service to our clients. We work closely with our customers to ensure that we understand and can deliver on their individual business needs; so as to provide an interactive and intuitive solution that enhances their business goals.

All the services provided by the Company to you by means of your registration on the MBMEPAY Platform or a guest user, are hereinafter referred to as the “Services”. Any reference to “you” or “your” or “user” refers to you as a User of the MBMEPAY Platform and the Services and any reference to “we”, “our” and “us” shall refer to the Company as the provider of the Services.

Payments/Recharges

The Company is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos or any 3rd party. Recharge or vouchers sold by us to you are sold without recourse against us for any breach of contract by the Telco or other 3rd parties. Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the Recharge/Payments purchased must be handled directly between you (or the recipient of the Recharge) and the Telco or 3rd parties.

It is your responsibility to ensure the DTH connection to which recharge is being sent is valid. You must not attempt to recharge any illegal connection. No refund will be processed for invalid or illegal DTH recharge transactions.

The Recharge/Payments is sent instantly by us to the appropriate 3rd party upon successful payment by you. Occasionally, there may be a short delay before the relevant 3rd party applies the recharge to the mobile phone number or the DTH connection.

MBMEPAY FEES

The company reserves the right to add or amend fees at its discretion.

For overseas transactions, where an exchange rate has been applied, the actual amount that you are charged may vary as our payment processors FX rate may be slightly different at the time of settlement.

The total amount (inclusive of all applicable taxes and charges) that you will be required to pay will be displayed clearly before you are asked to confirm your transaction.

CHANGES TO THESE TERMS AND SERVICES

We may revise these Terms at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

We may, without prior notice, change the Services; add or remove functionalities or features; stop providing the Services or features of the Services, to you or to Users generally; or create usage limits for the Services.

CHANGES TO THE MBMEPAY PLATFORM

We may update the MBMEPAY Platform from time to time, and may change the Content at any time. In these Terms, the term “Content” also means any information, text, graphics, or other materials uploaded (including any features or functionalities) by the Users of the MBMEPAY Platform, including personal information uploaded by the donors, and which may appear on the MBMEPAY Platform for other Users to access. However, please note that any of the Content on the MBMEPAY Platform may be out of date at any given time and we are under no obligation to update it.

We do not guarantee that the MBMEPAY Platform, or any Content on it, will be free from errors or omissions. We encourage our Users to report any errors by writing to us from the Support section on the MBMEPAY Platform.

ACCESSING THE MBMEPAY PLATFORM

We do not guarantee that your use of the MBMEPAY Platform, or any Content on it, will always be available or be uninterrupted. Access to the MBMEPAY Platform is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the MBMEPAY Platform without notice. We will not be liable to you if for any reason the MBMEPAY Platform is unavailable at any time or for any period.

You are also responsible for ensuring that all persons who access the MBMEPAY Platform through your Internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

YOUR ACCOUNT AND PASSWORD

If you choose to transact on the MBMEPAY Platform, an account will be created for your use ("Account") and you will be provided with the required Account Information to enable your access to the Account. The term "Account Information" refers to a User identification code, password or any other piece of information which may be provided to you as part of our security procedures. If you access the MBMEPAY Platform via any third party website like Facebook, Twitter or Gmail, the login information of such third party account, as the case may be, shall be considered as the Account Information. You must always treat Account Information as confidential and must not disclose it to any third party. Any access to the MBMEPAY Platform through your Account shall be considered an access by you or on your behalf and you shall be solely responsible for any activity carried out in, by or through your Account either on the MBMEPAY Platform or any other website accessed by you through the MBMEPAY Platform.

You represent and warrant that you are an individual of age as required to enter into a binding contract as is prescribed under the laws of the country in which you reside. Any person under the age of eighteen (18) years accessing the MBMEPAY Platform should do so only under parental guidance. If we change the eligibility criteria to be registered with the MBMEPAY Platform and you no longer comply with the new eligibility criteria, as determined by us in our sole discretion, you accept that we may close your Account without any liability for us. You are solely responsible for ensuring that these Terms are in compliance with all laws, rules and regulations applicable to you and the right to access the Services is revoked where these Terms or use of the Services is prohibited and, in such circumstances, you agree not to use or access the MBMEPAY Platform or Services in any way.

We have the right to disable your use of the Account Information or any part of it, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone, other than you, knows or has unauthorized access to your Account Information or any part of it, you must promptly notify us via ‘Contact Us’ on the MBMEPAY Platform. We are not liable for any losses or other consequences of unauthorized use of your account.

USER RESPONSIBILITIES

These Terms govern your behavior on the MBMEPAY Platform and set forth your obligations. You agree and confirm to the following responsibilities:

• You shall comply with all the obligations set forth in these Terms.
• You will use the Services rendered by us for lawful purposes only and comply with these Terms and all applicable laws, statutes, by-laws, acts of legislature or parliament, rules, regulations, orders, ordinances, protocols, codes, guidelines, or policies of any governmental authority; and all applicable judicial orders and precedent Applicable Laws while using and transacting on the MBMEPAY Platform.
• Creation and maintenance of all Content in your account shall be your sole responsibility.
• You are responsible for safeguarding the password that you use as a part of your Account Information to access the Services and for any activities or actions under your Account. We encourage you to use “strong” passwords preferably using a combination of upper and lower case letters, numbers and symbols with your Account. The Company will not be liable for any loss or damage arising from your failure to comply with this instruction.
• Provide us with only such information that is true and accurate to the best of your knowledge.
• The Service shall be utilized by you for your personal, non-commercial use only. You shall not use the Service for any commercial endeavors without express prior written consent of the Company.
• Complaints (if any) regarding the Service availed by the User must be reported to us via ‘Support’ on the MBMEPAY Platform within two days from the date of payment. The Service shall be marked as closed if no such complaint is raised by the User within the said period.
• You must retain a copy of your transaction records and these policies and rules.

Prohibited Conduct

By using the MBMEPAY Platform you agree not to:

• Impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another person's digital signature, misrepresent the source, identity, or content of information transmitted via the Services, perform any other similar fraudulent activity or otherwise purchase Recharge with what we reasonably believe to be potentially fraudulent funds.
• Infringe our or any third party’s intellectual property rights, rights of publicity, or privacy.
• Post or transmit any message which is libelous, defamatory, or which discloses private or personal matters concerning any person.
• Post or transmit any message, data, image, or program which is pornographic in nature.
• Refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to MBMEPAY.
• Remove, circumvent, disable, damage, or otherwise interfere with security-related features of the MBMEPAY Platform or features that enforce limitations on the use of the services.
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Services or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation.
• Use the Services in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the Services in an automated manner.
• Modify, adapt, translate, or create derivative works based upon the MBMEPAY Platform or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation.
• Intentionally interfere with or damage the operation of the services or any other user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or files with contaminating or destructive features.
• Use any robot, spider, other automatic device, or manual process to monitor the MBMEPAY Platform without prior written permission.
• Interfere or disrupt the MBMEPAY Platform or connected networks.
• Take any action that imposes an unreasonably or disproportionately large load on our infrastructure/network.
• Use any device, software, or routine to bypass, or interfere or attempt to interfere, with the Services.
• Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the MBMEPAY Platform or to manipulate your presence on the platform.
• Sell the Services, information, or software associated with or derived from it.
• Use the facilities and capabilities of the MBMEPAY Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others.
• Breach this Agreement or any other MBMEPAY agreement or policy.
• Provide false, inaccurate, or misleading information.
• Use the MBMEPAY Platform to collect or obtain personal information, including without limitation, financial information, about other users of the platform.
• Purchase Recharge with what MBMEPAY reasonably believes to be potentially fraudulent funds.
• Use the Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties, and other liability to MBMEPAY, a third party, or you.
• Use the Services in a manner that MBMEPAY or any payment card network reasonably believes to be an abuse of the payment card system or a violation of payment card network rules.
• Take any action that may cause MBMEPAY to lose any of the Services from its service providers, Telcos, payment processors, or other suppliers.
• Send automated requests of any kind to the MBMEPAY Platform without express permission in advance from MBMEPAY.

PAYMENTS

We accept Visa and MasterCard cards and Internet banking as modes of payments which are processed through our payment gateway partners (“Payment Gateways”). When you make a payment for products and services on our platform, the details you are asked to submit will be provided directly to our payment gateway via a secured connection. The Company has chosen to work with established and certified Payment Gateways and is as such not liable for any potential lapse or breach at the Payment Gateway.

Intellectual Property Rights

We own all right, title, and interest, including, but not limited to, all copyright, trademark, patent, trade secret, source code, interface software, routing mechanism, or other proprietary rights (“IP Rights”) of the MBMEPAY Platform. You shall not reproduce, distribute, transmit, modify, create derivative works, display, perform, or otherwise use the MBMEPAY Platform or any of the IP Rights, or attempt to reverse engineer, decompile, disassemble, or derive the source code or the interface software of the MBMEPAY Platform. Unauthorized use is strictly prohibited. All rights are expressly reserved.

Disclaimer of Warranties

You expressly acknowledge and agree that use of the Services and the MBMEPAY Platform is at your sole risk. The Services and the MBMEPAY Platform are provided on an “as is” and “as available” basis. Although we make best efforts to offer high-quality Services to all our Users, to the fullest extent allowed by law, we expressly disclaim all warranties and conditions of any kind, whether express or implied, including, but not limited to, the warranties of merchantability or fitness for a particular purpose. The contents of the Services or the MBMEPAY Platform may contain bugs, errors, problems, or other limitations.

We make no warranty that the Services or MBMEPAY Platform will meet your requirements or that the Services or your access to the MBMEPAY Platform will be uninterrupted, timely, accurate, or reliable; nor do we make any warranty as to any information that may be obtained through the Services or MBMEPAY Platform. In case there is any defect in any software being used for the provision of the Services, we do not make any warranty that defects in such software will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through use of the Services or MBMEPAY Platform is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material or data.

Viruses

You will be liable in case you introduce any viruses, Trojans, worms, logic bombs, or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to the MBMEPAY Platform, the server on which the MBMEPAY Platform is stored, or any server, computer, or database connected to the MBMEPAY Platform. By breaching this provision, you would commit a criminal offence under the Applicable Law. We will report any such breach to the relevant law enforcement authorities, and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the MBMEPAY Platform will cease immediately.

We will not be liable for any loss or damage caused by a virus, denial-of-service attack, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the MBMEPAY Platform or on any website linked to it.

Limitation of Our Liability

To the extent permitted by law, we exclude all conditions, warranties, representations, or other terms which may apply to the MBMEPAY Platform or any content on it including any information related to the Services or the MBMEPAY Platform itself, whether express or implied.

We will not be liable to any User for any direct, indirect, or consequential loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, the MBMEPAY Platform;
• use of or reliance on any content displayed on the MBMEPAY Platform; and
• use of the services provided through the MBMEPAY Platform.

Information We Collect About You

We will use this information:

• To administer the MBMEPAY Platform and for internal operations, including troubleshooting, data analysis, testing, research, statistical, and survey purposes;
• To improve the MBMEPAY Platform to ensure that content is presented in the most effective manner for you and for your computer or smartphone;
• To allow you to participate in interactive features of our Services, if any, when you choose to do so;
• To publish in social media or on MBMEPAY Platform for the promotion of the Company or the MBMEPAY Platform;
• As part of our efforts to keep the MBMEPAY Platform safe and secure;
• To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
• To make suggestions and recommendations to you and other Users of the MBMEPAY Platform about Services that may interest you or them.

Please note that we only provide the MBMEPAY Platform for individual use. You agree not to use the MBMEPAY Platform for any commercial or business purposes without obtaining a legally valid license to do so in accordance with these Terms.

To the maximum extent permitted by law, or maximum aggregate liability to you for any causes whatsoever, and regardless of the form of action, will at all times be limited to the value of your transaction or AED Five Hundred (AED 500), whichever is lesser.

Electronic Communications

When you visit the MBMEPAY Platform, call or write to us, you are communicating with us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that in case there are any changes in any information provided by you to us, including your e-mail address and other contact details, you will be solely responsible to update them regularly.

If we send any communication by e-mail, it shall be sent to your e-mail address available on the records created by you on the MBMEPAY Platform and it shall be deemed to have been received by you once it is reflected as sent in the outbox of our e-mail ID.

You consent to receive communications from us electronically, including but not limited to email, SMS, MMS, and telephonic calls. You also agree to receive communication from us based on usage history via SMS, email & phone call. This includes offers, discounts, and general information. You can choose to opt-out as per modes advised in the communication.

You acknowledge that any communication by us may be susceptible to error, omission, and/or inaccuracy. You agree that you will not hold us liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by you on account of our communication.

Indemnification

To the maximum extent permitted by Applicable Law, you shall indemnify and hold harmless the Company, its owners, licensees, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys’ fees, made by any third party or penalty imposed due to or arising out of your breach of these Terms, or your violation of any law, rules or regulations, or the rights (including infringement of intellectual property rights) of a third party.

Release and Waiver

To the maximum extent permitted by Applicable Law, you hereby release and waive all claims against the Company, and its subsidiaries, affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all liability for claims, damages (actual and/or consequential), costs and expenses (including litigation costs and attorneys’ fees) of every kind and nature, arising from or in any way related to your use of the MBMEPAY Platform, content, or use of the Services. You understand that any fact relating to any matter covered by this release may be found to be other than now believed to be true, and you accept and assume the risk of such possible differences in fact. In addition, you expressly waive and relinquish any and all rights and benefits which you may have under any other state or federal statute or common law principle of similar effect, to the fullest extent permitted by law.

If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

Applicable Law

Please note that these Terms, its subject matter, and its formation are governed by the laws of the United Arab Emirates. The courts of the Emirate of Dubai will have exclusive jurisdiction to deal with any dispute arising out of or in connection with these Terms or any other terms and conditions made applicable to you by us, and you consent to the jurisdiction and venue of such courts and waive any objection as to inconvenient forum.

This website/URL will not provide any services or products to any OFAC-sanctioned countries in accordance with the laws of UAE.

Termination

We reserve the right to refuse to continue to provide you with access to the MBMEPAY Platform if we discover that you are incompetent to contract by virtue of your age or otherwise under applicable law. The MBMEPAY Platform is not available to persons whose membership has been suspended or terminated by us for any reason whatsoever. In case you choose to access the MBMEPAY Platform from any jurisdiction not governed by the laws of the United Arab Emirates, you are solely responsible for compliance with local laws of that jurisdiction and all applicable laws.

General Terms

If any provision of the Terms is found by a court of competent jurisdiction to be invalid, other provisions of these Terms shall remain in full force and effect.

Refund Policy

All sales of Recharge are final with no refund or exchange permitted. You are responsible for the mobile number you purchase Recharge for and all charges that result from those purchases. We are not responsible for any purchase of Recharge for an incorrect mobile number. However, if in a transaction performed by you on the MBMEPAY Platform, money has been charged to your card or bank account and a Recharge is not delivered, please inform us at the earliest, but no later than 24 hours from completion of the transaction via the Support page. Please include the following details – the mobile number, operator name, Recharge value, transaction date, and order number. We will investigate the incident, and if it is found that money was indeed charged to your card or bank account without delivery of the Recharge, then you will be refunded the money within 7 working days from the date of receipt of your message. All refunds will be credited to your card or bank account used to initiate the transaction. It may take 3-21 days for the money to show in your bank account depending on your bank’s policy.

No refunds will be processed for DTH recharge under any circumstances.

Payment Methods & Cards

MBME Pay facilitates payments through Visa and MasterCard credit/debit cards in AED or any other agreed-upon currency. Logos of the accepted cards are prominently featured on the Payment checkout page for user convenience.

Delivery, Shipping and Services Policy

These policies are tailored to the specific products or services available on MBME Pay. MBME Pay will not engage in any dealings with OFAC sanctions countries, aligning with UAE law.

Refund/Return Policy

Users should be aware that refunds will be processed exclusively through the original mode of payment.

Cancellation & Replacement Policy

The policy's applicability is based on the products or services offered by MBME Pay.

Governing Law and Jurisdiction

In any situation, users can rest assured that our commitment extends to upholding the laws of the UAE, ensuring a secure and legally compliant environment for all interactions.

Address & Contact Details

MBME Pay Dubai Office
Office 207, Bahwan Plaza, Sheikh Zayed Road,
Umm Al Sheif, Next to Lamborghini Showroom, Dubai, PO Box 450389,
Tel: (+971) 04 382 9999

MBME Pay Abu Dhabi Office
M21, Plot 18, Musaffah, Abu Dhabi, P.O. Box 26448,
Tel: (+971) 02 443 2150