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 [email protected] (“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

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):

8. Withdraw; Refunds of e-money

9. CWallet’s Roles and Responsibilities

You understand and agree to the following:

10. Your Use of the CWallet Account

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

12. Safeguarding of money collected

13. CWallet Charges and Fees
FEES and CHARGES
SERVICE TYPE SERVICE NAME CHARGES
CASH-IN
NAPS
QNB ATM MACHINES
Agent
QAR 3.00
QAR 3.00
QAR 3.00
Payment & Transfer
Peer-to-Peer Transfer
  • Does not Exceed QR 500
  • From 501 QAR to QAR 5000
  • More than 5000
  • From Person to Business
  • Does not Exceed QR 500
  • From 501 QAR to QAR 5000
  • More than 5000
  • International Remittance
  • Int'l Bank Transfer
  • Cash Pick-up
  • Int'l Wallet Transfer

  • QAR 0.50 on the user
  • QAR 0.75 on the user
  • QAR 1.50 on the user
  • QAR 0.50 on the business
  • QAR 0.75 on the business
  • QAR 1.50 on the business



  • QAR 15 - QAR 50
    REFUND
  • From Business to Person
  • QAR 0.0
    CASH-OUT
  • Through QNB ATM
  • Through Agent
  • QAR 3.00
    14. Limitations & Thresholds
    SERVICE TYPE SERVICE NAME LIMIT
    CASH-IN & CASH-OUT
    Maximum Wallet Balance
    Monthly Cash-in Limit
    Monthly Cash-out Limit
    Daily Cash-in Limit
    Daily Cash-out Limit
    QAR 50,000.00
    QAR 30,000.00
    QAR 30,000.00
    QAR 10,000.00
    QAR 1,000.00
    WALLET TO WALLET TRANSFER
    User (Resident) Limit Per transactions
    User (Visitor) Limit Per transactions
    Minor Limit Per Transaction
    QAR 5,000.00
    QAR 1,000.00
    QAR 500.00
    INTERNATIONAL TRANSFER
    Inernational Transfer Daily Limit
    Daily Int'l Limit transfer per Sender
    Weekly Int'l Limit transfer per Sender
    Monthly Limit Per Transaction
    Monthly Beneficiary Limit transfer per Sender
    Total amount a sender can send per month
    QAR 10,000.00
    2 Transfers
    5 Transfers
    15 Transfers
    7 Transfers
    QAR 30,000.00
    SERVICE TYPE SERVICE NAME LIMIT
    CASH-IN & CASH-OUT
    Maximum Wallet Balance
    Monthly Cash-in Limit
    Monthly Cash-out Limit
    Daily Cash-in Limit
    Daily Cash-out Limit
    QAR 50,000.00
    QAR 30,000.00
    QAR 30,000.00
    QAR 10,000.00
    QAR 1,000.00
    WALLET TO WALLET TRANSFER
    User (Resident) Limit Per transactions
    User (Visitor) Limit Per transactions
    Minor Limit Per Transaction
    QAR 5,000.00
    QAR 1,000.00
    QAR 500.00
    INTER
    NATIONAL TRANSFER
    Inernational Transfer Daily Limit
    Daily Int'l Limit transfer per Sender
    Weekly Int'l Limit transfer per Sender
    Monthly Limit Per Transaction
    Monthly Beneficiary Limit transfer per Sender
    Total amount a sender can send per month
    QAR 10,000.00
    2 Transfers
    5 Transfers
    15 Transfers
    7 Transfers
    QAR 30,000.00
    15. Use And Protection of Intellectual Property Rights

    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:

    18. Privacy And Communications

    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:

    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

    21. Modification Of Terms of Service; Updates

    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 [email protected].

    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 [email protected]. You may at any time elect to resume the receipt of promotional materials by sending an email to [email protected]

    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.