Terms and Conditions
Jawali Service:
Jawali is an electronic cash service that allows you to conduct all your financial transactions easily, safely, and quickly through your mobile phone, and an alternative way for real money transactions. It can be used for sending and receiving money remittances, paying your bills and purchases, in addition to the possibility of paying mobile, Internet, landline, water, and other services easily and effectively from your place and whether you are online via a dedicated mobile app or offline. You can also cash in or cash out your money to and from your Jawali account through any of our authorized agents. This service is provided by WeCash in cooperation with Yemen & Kuwait Bank, Yemen Commercial Bank, and the Yemeni Bank for Reconstruction and Development under the supervision of the Central Bank of Yemen.
Service Scope:
The service mainly targets residents of the Republic of Yemen.
Types of Accounts:
Jawali e-wallet allows the opening of multiple types of accounts, according to need and in compliance with the regulations and instructions issued by the Yemeni Central Bank. The accounts in the wallet are current accounts that enable customers to conduct financial transactions directly and in the available currencies, subject to the approval of the Yemeni Central Bank. Other accounts may also be opened as needed. These accounts contain the corresponding electronic cash in the escrow accounts, in accordance with the Central Bank's decision regulating the operation of e-wallets.
First: The obligations of the service provider (Jawali-WeCash):
1. Opening an account for the service requester (customer) in Yemeni Riyals and some foreign currencies associated to the Customer’s mobile number that he/she acknowledges ownership of and bears full responsibility for, and through which the Customer carries out financial operations and receives electronic notifications or SMS text messages or notifications informing him/her of all the operations conducted unless there could be a technical glitch in the telecommunications companies.
2. Providing the customer with (PUK) via SMS, which allows him/her to change the password (PIN) number of the e-wallet in case of its loss, forgetfulness, or change of mobile.
3. Maintaining information and documents related to the customer and his/her account and Trust Account movement as well, in the system of the service for five years, with the obligation of maintaining the confidentiality and integrity of the Customer’s information. WeCash is not entitled to provide such information unless it is requested by authorized internal and external auditing and supervisory entities accredited to the service provider.
4. Publishing an updated list of all WeCash authorized and affiliated service agents on its website.
5. Providing all necessary information to the customer in case he/she wishes to update his personal data or in the event that he/she no longer wishes to continue subscribing to the services.
6. Receiving, recording, and processing customer complaints in a special register in which problems and resolving procedures are identified through the Customer Call Service Center at the toll-free number (8000444).
Second: Obligations of the Service User (Customer):
1. The customer must abide by all the relevant laws and regulations of the Republic of Yemen in force when using (Jawali) service, particularly the Electronic Transactions Law, the Anti-Money Laundering and Terrorist Financing Law, and any other law laws issued later related to electronic money services.
2. The customer hereby acknowledges his\her agreement to subscribe to the instant transfer service (ITS) as a condition for continuing to register his\her account with Jawali Wallet.
3. The customer is obligated to save the service password (PIN) and change it periodically. He/she must maintain its confidentiality and not disclose it to others. The customer bears full responsibility in the event of third-party knowledge of it, disclosure, or misuse of it by the customer or by others whether with or without the customer’s permission and bears the full responsibility for the consequences in case of such violation.
4. The customer is responsible for saving and protecting the (PUK) number and to inform the company when (PIN) or (PUK) is forgotten, lost, or stolen, otherwise, the customer is held responsible for such violation.
5. The Customer hereby and with his/her full legal capacity and legitimacy authorize Wecash Company; the legal service provider of (Jawali) Service; to deduct the fees of using the service from the customer’s electronic account opened with Wecash and signing hereby is a conclusive authorization evident.
6. The customer must verify the financial process conducted before finally approving it in terms of the beneficiary’s information (the amount - the phone number…etc.) and takes legal responsibility for the consequences of any committed mistake and the material or moral consequences resulting
7. The customer must ensure that the agent to be dealt with is an authorized WeCash agent, through the available means, and the company does not take any responsibility arising from such violation.
8. The customer is responsible for all the operations carried out by him\her via the mobile registered in the service, and any operations the customer performs through this service are legally binding. The customer must match the performed operations with the electronic notifications, SMS text messages, or the notifications sent by the company to the customer’s phone number which clarifies every operation conducted by the customer and the remaining balance. The messages are considered the only reference for the customer, and the customer hereby agreed that the outputs of the auto system are legal and acceptable as a complete guide in all procedures and transactions that take place in accordance with this service unless there are any technical problems encountered by telecommunications companies.
9. The customer acknowledges that the mobile numbers used in the service are owned by him/her or authorized to use them and bears the responsibility for that.
10. If the customer wishes to terminate the service, a written request should be sent to WeCash stating the customer’s desire to end dealing with the service.
11. The customer undertakes to update his information and to inform the service provider of any update or renewal of data and documents submitted by him when upon occurrence, or upon the service provider's request.
12. The customer can provide his/her inquiries or complaints through the numbers and means of communication assigned for the service 24 hours a day.
General Provisions:
1. The company has the right to amend these terms and conditions at any time in a manner that does not conflict with the laws in force, and the customer's written objection to that is considered a request to terminate the service.
2. The company has the right to suspend or terminate the service for purposes of achieving public interest, especially in the following cases:
- In case of periodical renewal or updating the contents or functions of the service.
- In case WeCash withdraws any or all of the services at any time for technical, commercial, public interest, or operational reasons.
- If the customer violates any of the conditions stated in this application.
- If the customer misuses the service by violation of the applicable laws.
- In the event of the customer's death or loss of eligibility.
- In case there is no balance in the customer’s account opened with WeCash and the customer has not deposited an amount in his account within a year from the date of last use.
- The company has the right to reconcile any amount that was mistakenly credited to the customer’s account without the need to refer to him/her, and he/she will be notified via an SMS text message or a notice of the taken procedure in case the company finds that the amount was mistakenly credited to the customer’s account and must be refunded to the end-part who deposited the amount.
- The service provider has the right to charge any commissions or fees on the services provided to the customer who hereby and accordingly authorizes the service provider to deduct these fees or commissions from the customer’s account or to terminate the services in case the of the customer’s refusal.
- In case the customer does not activate his account or use the services offered in the wallet within a year from the date of last use, the account will be transferred to the list of dormant accounts, and will be subject to all instructions of the Central Bank in this regard.
Fourth: Privacy and Information Security:
The collecting and storage of your data is subject to Jawali privacy policy. By subscribing to the service, you agree to the Articles and Clauses of terms and conditions of Jawali Service and agree to the privacy policy. You should print and save a copy of this Privacy Policy along with the Terms and Conditions.
A. Customer Obligations
1- Viewing the terms and conditions included in the account creation agreements.
2- Filling out the (know your customer) form.
3- Providing Wecash company and its agents with accurate and complete data according to the operating rules and terms of subscription to the service.
4- Not to provide any information knowing it contains false data/Avoid provision of any false information.
5- Taking responsibility for any provided information or any taken operations that have substantial errors or contain fraud attempts, which may harm the company’s financial reputation.
6- The customer is the only one responsible for all the operations executed through his/her account (electronic money account) via the mobile phone, even if they are carried out by another person using the payment tool granted to the customer as a result of misuse or non-compliance with security and protection guidelines.
7- Exercising due diligence when performing the financial operations and accurately following the instructions.
8- Protecting and saving the personal (PIN) number for it will be used every time to access and use Jawali wallet and can only be retrieved by the customer (PUK).
9- Protecting and saving the (PUK) code as it is used to unlock or change the customer’s (PIN) in case it is lost, forgotten, or the customer’s mobile is changed.
10- Ensuring Review of the details of the operation in terms of the account No, phone No, the name of the beneficiary and the amount of money before confirming the operation.
11- The customer must adhere to all rules of security and confidentiality.
12- The customer is responsible for any losses related to any payment transaction, due to any proven fraud behavior or act.
13- Adhering to the relevant (know your customer) instructions issued by the Yemeni Central Bank, the information required by the company, and the right practices to be followed when performing Jawali operations.
B. Privacy and confidentiality of customer information.
WeCash is committed to taking all necessary technical and professional measures to protect its financial systems and electronic network, to ensure the protection of information from loss or damage, by observing the technical standards in force and in accordance with international best practices applied, including the adoption of backup systems.
All necessary measures must be taken as follows:
1- Access to the database is restricted to authorized users only.
2- Access to the reports shall be restricted to authorized users only, and according to their authority within the scope of the administration and the purpose for which the report is intended to be used.
3- The company is obligated to stipulate in its contractual agreements with service providers that the data will only be used for authorized or any other legitimate purposes with the consent of the customer him/herself.
4- The company is obligated to assign procedures and rules to allow only authorized users to access the system.
5- The Company and all service providers of agents and authorized users are obligated to guarantee that adequate security measures, policies, and procedures are followed for customer data.
6- The financial information of the customer is confidential and its use is limited only to the purposes stipulated in the clauses of “Article C “of this Policy.
7- Restricting access to the reporting system to the company’s specialized employees and service providers, and preventing non-specialized from accessing, disclosing, modifying, using, or tampering with such information in any way. These employees must sign confidentiality agreements before accessing the information stored in the database to ensure that the data is used in accordance with the tasks associated with their jobs.
8- The company is committed to taking the necessary measures to ensure that its employees keep the confidentiality of credit information.
C- Determinants of viewing customer data:
customer information and operations may be viewed for any of the following purposes:
1- Evaluating the relationship with the customer and following up on his\her activities within the role played by the company's management. /Or: Evaluate the relationship with the client and follow up on his\her activities within the company's management competencies.
2- Cooperating with the Central Bank of Yemen in performing its monitoring and supervisory role.
3- assessment of risks associated with the customer by the company's management.
4- Enabling the customer to confirm the accuracy of his/her information in the company's database and financial system.
5- Based on an authorization signed by the customer, his/her legal representative, or his/her authorized agent.
6- Practicing the supervisory role of the Central Bank of Yemen by regulating laws and procedures.
7- According to a jurisdictional ruling.
8- Duties legally entrusted to the company’s financial auditors.