By requesting for issuance of, or using the AL ANSARI EXCHANGE PayPlus Visa Payroll  prepaid card (the “Card”) issued by us, you confirm and agree that you understand, accept and shall comply with these Terms and Conditions and the Fees and Limits section (“Terms”), and you understand and agree that the issuance of the Card to you is subject to you being successfully identified by us in accordance with the policy and procedures notified to you / your employer at the time of issuance of the Card. The Card is non-transferable, and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law.

1. Definitions and Interpretation

1.1 In these Terms and Conditions, the following terms shall have the following meanings:

“Additional Terms” means the specific terms and conditions which apply to prepaid Payroll cards as described herein for such Card.

“AED” means United Arab Emirates’ Dirham.

“ATM” means Automated Teller Machine.

“Available Funds” means the available balance in the Card that is available for utilisation or withdrawal, as reduced by any transaction amounts which have been reserved, blocked, are pending or have otherwise not been processed or released.

“Base Currency” refers to the default currency i.e. “AED” and any Transaction performed by you in a currency other than AED will be converted into the Base Currency.

“Card” means each Payroll prepaid card issued by us to you whether with or without your name being printed or embossed on the physical Card and which may also be in the form of a virtual card.

“Card Number” means the unique sixteen-digit number printed or embossed on the face or reverse of the Card.

“Card Services” means any services provided by us, our third-party service providers, or the Program Manager, in connection with the Card, including call center services.

“Charges” means amounts (including any fees or charges) payable by you arising from usage of the Card under these Terms and Conditions and includes, without limitation all transactions fees, service charges, additional expenses, damages, legal costs and disbursements.

“E-commerce website” means internet websites where merchant accepts the Card for purchase of goods and services

“Website” means the website at the URL https://alansariexchange.com/service/payroll-solutions/   or any future URL applicable to your Account and Card.

“Identification Checks” means checks carried out in order to obtain, verify and record information that identifies each person who receives or processes salary onto a Card. We may ask you for your name, address, date of birth and other information, directly or indirectly that will allow us to reasonably identify you. We will ask to see your Emirates ID and/or other identifying documents where required. The activation of the Card is subject to successful verification of your identity by us.

“Issuer” means Al Ansari Exchange LLC.

“Limit” means the limit set by us for usage on the Card for cash withdrawal or purchase of goods and services, subject to the Available Funds. We may change the set limit on the Card at any time at our sole discretion.

“Load” means to add money to the Card in the form of Salary ONLY, and ‘Loaded’ and ‘Loading’ will be construed accordingly.

“Maximum Balance Amount” means the maximum amount permitted by us to be on the Card at any point of time is AED 199,999, as the Card will not accept balance that exceed this amount.

“Merchant” means any establishment, corporate entity, person or other virtual establishment, supplying goods and/or services, which accepts/honors the Card as a mode of payment.

“OTP” means one-time password, it is an automatically generated numeric or alphanumeric string of characters that authenticates a user for completing the Transaction.

“PIN” means a unique Personal Identification Number allocated to each Card.

“POS Terminal” means an electronic terminal available at Merchants whether local or international, capable of processing Transactions.

“Program Manager” means the party appointed by us to provide Card Services, support to Al Ansari Exchange branch and such other services as determined by us.

“Replacement Card” means a substitute Card which may be issued to you in the event of loss or theft of your Card.

“Al Ansari Exchange branch” means any participating branch or authorised distributor or a corporate entity’s touch point from which Cards can be issued or loaded.

“Shortfall” occurs in certain circumstances when the Available Funds and/or in the case of Payroll Card the currency drops below zero (0).

“Supplementary Technology” means any technologies or devices that we may introduce for use together with, or as a replacement for, your Card and which may include without limitation, wristbands and mobile wallets.

“Transaction” means transactions made by using the Card, whether with or without use of the Card Number, PIN or signature, and regardless of whether any slip or other voucher was signed by you and includes any cash withdrawal made available by us or the amount charged (or otherwise debited to the Card) by us or a Merchant for any goods, service or benefit (whether or not such service was utilised by you) obtained by the use of the Card, the Card Number or the PIN or in any other manner, including mail, telephone, facsimile or internet orders.

“Mobile Services” Mobile Services are optional mobile applets that may be available to download through your Registered Mobile Device. Mobile Services may enable you to use your Registered Mobile Device to perform transactions such as balance enquiries, view available funds and Customer Services communications.

“We”, “Us”, “Our” means Al Ansari Exchange LLC or any of its branches, subsidiaries or its successors, assigns, the Programme Manager or agents (where the context permits).

“Working Day” means any day of the week, excluding Saturdays, Sundays and statutory holidays in UAE.

“You”, “your” means the cardholder of the Card or the person to whom the Card is issued,

1.2 We may partner with third parties with respect to the issuance, management or distribution of All references to ‘we’, ‘us’ or ‘our’ herein shall, where required, be construed to include the Programme Manager or agents appointed by us.

1.3 Any references to ‘Card’ also include any Replacement Card, and/or any Supplementary Technology deployed by us for use with your Card where appropriate.

2. The Card

2.1 The Card is a stored value card which allows you to access the Available Funds. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have with us.

2.2 The Card is not a debit card or credit card and you will not earn profit on any Available Funds on the Card.

2.3 Your Card will be issued to you on the basis of the required information that you / your employer has provided, based on the type of Card issued, and you agree to provide accurate personal information and to advise us of any changes as soon as possible so that our records remain correct. You should update us of any changes to your personal information or as We may notify you from time to time.

2.4 Activation of the Card will be at the issuance the Card.

2.5 Various limits may apply to the Card in respect of each Transaction or daily transacted amounts.

2.6 The card issuance can be requested by the employer for an Employee over the age of sixteen (16) years at any Al Ansari Exchange branches across the United Arab Emirates – UAE.

2.7 Your use of the Card for making any Transaction shall constitute an agreement by you to pay any and all fees, commission, and charges on such Transaction as prescribed by us from time to time. You confirm that you have read and agreed to the schedule of fees, commission and charges for usage of the Card for any Transaction. The Card is provided to you subject to our schedule of fees, charges and limits as amended and notified to you.

2.8 The Card should only be used for transactions if the amount of funds is sufficient for the transaction to be performed. The customer will be liable for any negative balance amount along with any costs we incur in recovering or attempting to recover the funds.

2.9 As the PayPlus Card holder, you are responsible for the Card issued to you under the Terms and for any fees or charges that the Card may incur.

2.10 We may at our sole discretion issue / restrict / withdraw any number of Cards that relate to you.

2.11 The Card is and will at all times, remain our property and must be returned to us immediately upon request.

3. Using the Card

3.1 You may only use the Card in accordance with the Terms and we have the right to restrict the services/facilities provided pursuant to the issue/usage of the Card at our sole discretion and terms.

3.2 Subject to sufficient Available Funds and any restrictions in the Terms, the Card can be used worldwide at ATMs, POS Terminals or Ecommerce website or any card operated machine or device, whether belonging to us or other participating banks or financial institutions where logos appearing on the Card are displayed / accepted and any other services so authorised on the Card by us. The Card may also be used at any Merchant location that accepts the Transaction for processing or displays the logo appearing on the Card. The Card may be used for retail purchases, cash withdrawals, purchase of goods and services via the internet or for any other services approved by us, for transaction values not exceeding the Limit (subject always to sufficient Available Funds) from time to time.

3.3 The Available Funds will be reduced by the full amount of each Transaction plus any applicable Charges.

3.4 Due to restrictions, the Card may not operate in some countries and may not be accepted at some Merchant locations which are not in compliance with either our internal policies or as determined at our sole discretion.

3.5 Merchants that accept the Card are required to seek authorisation from us or through any appointed payment processor for all Transactions that you make and we cannot stop a transaction once authorised. Some Merchants may not be able to authorise your Transaction if they cannot obtain an online authorisation from us.

3.6 There are circumstances, when using the Card at certain Merchants, where you may be required to have Available Funds greater than the value of the transaction you wish to make. This amount will be reserved to cover tips/gratuities, temporarily reducing the balance available on the Card. This is required as the Merchant may need to access more funds than you initially planned to spend, however, you will only be charged for the actual and final amount of the transaction you make.

3.7 We do not recommend using the Card as: (i) a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as Merchants such as these may estimate the final bill and this amount will be temporarily unavailable to access or spend; or as (ii) an arrangement for periodic billing, as any debits to the Card as a result of such arrangements will be considered to have been authorised by you.

3.8 The Card is only for your use and expires on the date on the front of the Card and may be extended for a limited period subject to the terms & conditions. Upon expiry you may be able to transfer the remaining funds to a new Card in accordance with our prevailing policy

3.9 You agree not to use the Card for accessing or purchasing goods from adult or gambling either through these adults/gambling locations or internet sites, or for any other unlawful activity.

3.10 You must comply with all applicable laws and regulations (including any foreign exchange controls) with respect to the Card in the UAE and the country of use. We reserve the right to suspend the Card, terminate the Terms and exercise any other remedies available to us due to your failure to comply with any part of this provision. You agree that we have no obligation to monitor, review or evaluate the legality of your Transactions and that such actions shall be your sole responsibility. We are not liable for any prohibited use or misuse of the Card whatsoever.

3.11 The Card can only be used if it is in credit and you are solely responsible for ensuring that there are sufficient Available Funds for an intended Transaction. If, for any reason whatsoever, an intended Transaction causes the Card to be debited in excess of the Available Funds (whether by use of the Card or towards any fees or charges), we have the sole discretion to approve or reject the Transaction.

3.12 We are entitled to set off any sum of money on the Card due from you to us against any positive balance on account held by you with us.

3.13 Any usage of the Card inconsistent or in contravention with the usage described in these Terms is not permitted.

3.14 If you are entitled to a refund for goods or services purchased using the Card, such refund or credit will be made to the Card only if the purchase is made from this card, thereby increasing the Available Funds.

3.15 Our record of any Transaction shall be final and binding. You will be provided with an option for online statement and can check card balance via dedicated Mobile App. You may also be able to make a balance enquiry at some ATMs, although availability is dependent on the country and the ATM used and there may be a fee payable (to the ATM operator) for balance enquiries. It is your responsibility to keep track of the Available Funds. You acknowledge that the amount stated on the ATM screen or a printed slip or receipt advice shall not for any purpose whatsoever be taken as a conclusive or up to date statement of the Card.

3.16 You acknowledge that the available balance in the Card may be different from the balance amount as displayed through any channel, due to pending Transactions or other blocked amounts (being amounts transacted but not processed) relevant to the Card.

4. Loading and Re-loading

4.1 The Card can be loaded only through Salary from the employer at any of Our branches, selected distributor or alternate channel made available by us.

4.2 Until the expiry of the Card or termination of the Terms, employer can add additional funds to the Available Funds through processing Salary at any Al Ansari Exchange branch (who will advise the employer of the acceptable methods of payment) or through other methods made available by us from time to time, subject to certain limits and fees.

4.3 Unless stated otherwise the amounts will be credited to the Available Funds when the Issuer receives such amounts directly from CBUAE in the form of Salary.

4.4 You agree to present the Card and meet identification requirements as may be required from time to time to complete the transaction.

4.5 If the Load amount exceeds the Maximum Balance Amount permitted by us from time to time, then at our discretion such excess amounts shall not be loaded.

4.6 We will not be responsible for any Card transactions that are found to be unauthorised at a later stage. In such a scenario, We retain the right to charge back the transaction amount, along with any associated fees, costs, losses, and expenses they incurred for a Card transaction.

4.7 We are authorised to withhold any Load, and will not release the funds in relation to such Load, if the Al Ansari Exchange branch has reasonable grounds to believe that such funds are from suspicious, illegal or illegitimate The Al Ansari Exchange branch will contact you for further information and such other necessary proof (to our satisfaction) on the source of such Loads. If we are not satisfied with such information or proof, we are authorised to surrender such amounts, without further notice to you, to the relevant law enforcement authorities for further investigation and/or legal action.

4.8 You give us irrevocable authorisation to recover any funds erroneously loaded to your Card. If an authorised reload to your Card has an error or if you require additional information, you must contact us immediately through any of the Al Ansari Exchange branch.

5. Keeping your Card and PIN/OTP secure

5.1 You must sign the back of the Card as soon as you receive it.

5.2 You must do all that you reasonably can to keep the Card safe and the PIN and other security details secret and safe at all times. You are not allowed to disclose them to any third party. You must memorise the PIN.

5.3 You must never; (i) allow anyone else to use the Card, PIN/OTP or other security details; (ii) write down the PIN/OTP or any other security information together with the Card; or (iii) give the PIN or OTP to anyone, authorised or unauthorised.

5.4 We will never ask you to reveal any PIN/OTP.

5.5 The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please contact us for assistance. If the PIN is disabled, or if a Merchant does not accept Chip and PIN, you will be required to sign for any transactions at Merchants, provided that this is supported by and acceptable to the Merchant.

5.6 You must promptly notify us of any loss or theft of the Card or PIN. We will suspend the Card to prevent further use. If a lost Card is subsequently found, it must not be used unless we confirm it may be used. We will not be liable for any misuse of the Card or unauthorised withdrawal arising out of the loss, theft or misuse of the Card or the PIN. You can avail for a Replacement Card in the event of loss or theft of your Card subject to you providing the necessary documents and Issuance of a Replacement Card is subject to a fee.

5.7 You will be required to confirm details of any loss, theft or misuse to us in writing or through the call center on +9714 3772640 and you must assist us, the police and any other official investigation authority in any enquiries.

5.8 We may refuse to approve a Transaction and/or suspend the Card, with or without notice, if we think the Card has been or is likely to be misused or if you have breached the Terms, including if we suspect any illegal use of the Card. If we do suspend the Card, we will inform you of our decision, unless such disclosure is prohibited by law or would otherwise compromise fraud prevention or security measures.

6. Unauthorised transactions

6.1 You must notify us of any unauthorised transactions immediately through our call center on +9714 3772640 and in any event within thirty (30) days of the transaction debit date. We will request that you provide additional written information concerning any such transaction and you must comply with such request.

6.2 For transaction dispute, please download our form, fill it out, and email it to [email protected].

6.3 You will be liable for all losses in respect of the Card if you have (i) acted fraudulently; (ii) failed to use the Card in accordance with the Terms; (iii) have failed to notify us without undue delay on becoming aware of the loss, theft or misuse of the Card; or (iv) have failed to take all reasonable steps to keep the Card’s security features safe.

6.4 Where You are not liable for an unauthorised transaction, We will refund the value of that transaction and will have no further liability to you for any other losses you may suffer. If our investigations conclude that the transaction you have disputed has been authorised by you, or on your behalf, or you have acted fraudulently, we will not refund the value of the transaction.

7. Fees and Limits

7.1 Fees and limits apply to the Card, as indicated in the Account Fee Schedule. The fees We charge are subject to change from time to time, in accordance with the Terms. You will be notified of any change in the applicable fees through the website nominated in the User Guide.

7.2 You agree to pay and authorise us to debit the Available Funds for the fees set out in the Account Fee These fees may be debited from the Available Funds as soon as they are incurred.

7.3 From time to time, we may limit the amount you can withdraw from ATMs or spend at Merchants over certain time periods. Some ATM operators also impose their own limits on the amount that can be withdrawn or spent over a specific time period.

7.4 Certain Merchants may charge an additional fee if the Card is used to purchase goods and/or The fee is determined and charged by the Merchant by including it in the Transaction amount and is not retained by us.

7.5 Dynamic Currency Conversion (DCC) is a process whereby the amount of a transaction is converted by a merchant or ATM to the currency other than the country’s local currency. In this case, the merchant or ATM operator is applying a foreign exchange margin to the applicable conversion rate that would apply to convert the transaction currency into another currency. This may result in an increased cost to your transaction.

For instance, you withdraw cash from an ATM that dispenses a currency other than that of the country where the ATM is located, the merchant or ATM operator may convert the cash being withdrawn into the domestic (local) currency before converting it back to the cash being dispensed. Thus, amount debited or reflecting in your account statement may be higher than the amount which is dispensed by the ATM. Not every ATM operator informs of the exact amount to be debited to your Account before you withdraw cash from their ATM.sisteen