Introduction

These Terms and Conditions ("Terms") apply to the services you receive from HURU PAYMENT SERVICES PROVIDER LLC (hereafter referred to as "Huru"), a company incorporated under the laws of Dubai, United Arab Emirates and holding the Stored Value Facility (SVF) and Retail Payment Services Card Scheme (RPSCS) licenses issued by the Central Bank of the UAE (CBUAE).

Agreement & Acceptance

You can access these Terms on the Huru App, Huru’s website, or by contacting customer support for a copy. It is important that you carefully read and fully understand these Terms before using our services. These Terms may also include specific conditions that may relate to services, offers, or promotions.

By using Huru Money, you acknowledge and accept these Terms and Conditions. If you have any questions or concerns, please contact customer support for assistance. We reserve the right to amend or update these Terms from time to time. Any changes will be communicated to you via the Huru App or email. You are encouraged to regularly review these Terms to stay informed of any updates.

Service Provision

These Terms become effective on the date you accept to use Huru Money services.

Definitions and Key Terms

In this Terms/agreement, the following terms will be used.

You/Your: Refers to the individual who has registered for Huru Money services.

We/Our/Us: Refers to Huru.

Terms/Agreement: Refers to this document, which includes the terms of service, application form, and privacy notice.

Huru Money Services: The services offered through the Huru Mobile App (Huru App) using the Huru Money Account and Huru Money Card.

Huru Money Account: A digital Account linked to your Huru App, enabling you to store funds, perform fund transfers, view/manage account statements, and manage your financial transactions securely and conveniently.

Huru Money Card: A prepaid debit card (both physical & digital) issued by ZAND Bank PJSC (a licensed and a regulated bank in the UAE and hereafter referred to as "Zand Bank") through the BIN Sponsorship model, provided through the Huru app, enabling users to perform digital and physical transactions, including payments, withdrawals, and fund transfers, following applicable banking regulations.

General Terms

By using Huru Money Services, you agree to the following:

1. You must comply with all applicable laws, including regulations set by the UAE Central Bank, and use the services responsibly.
2. You will provide accurate and up-to-date personal and financial information when registering in the Huru App. This includes completing your Know Your Customer (KYC) requirements.
3. You are responsible for all transactions made from your Huru Money Account, whether authorized or unauthorized, until we are notified of an issue.

Charges and Adjustments

We may modify the charges associated with your Account, including fees related to the issuance of cards, fund transfers, and other services. Any changes will be communicated to you through the Huru App or via email. We strive to ensure that all charges are clear, and you may find full details on the Huru app.

Service Provision and Security

We will provide Huru Money Services in a secure, reliable, and available manner, but we are not responsible for service disruptions caused by factors beyond our control (e.g., network issues, acts of nature, or government regulations).

You are responsible for keeping your Account secure, including safeguarding your login credentials, PIN codes, and other sensitive information. In case of unauthorized access, you must immediately notify customer support.

Data Usage and Privacy

We are committed to protecting your personal and financial data. We will process and store your data securely and will only share it with third parties per the privacy policy. The information we collect may include personal identifiers, payment data, and transaction details. For full details on how your data is handled, refer to the Privacy Notice.

Dispute Resolution

If a dispute arises between you and us, we encourage you to contact our customer care team at help@huru.co. We aim to resolve complaints within a reasonable timeframe. Complaints will be acknowledged within 2 business days of receipt, and the transaction disputes that are within our control will typically be resolved within 5 business days. However, disputes involving external parties may require additional time for resolution. In line with UAE regulations, all complaints will be resolved within 30 calendar days from the date they are received unless exceptional circumstances apply. If further assistance is required, the matter will be escalated to our operations team for resolution.

Governing Law and Jurisdiction

These terms are governed by the laws of the United Arab Emirates. Any disputes arising out of these terms will be subject to the exclusive jurisdiction of the courts in Dubai, UAE.

Termination

1. This agreement remains in effect if you use our services provided through the Huru App.
2. We may terminate this agreement at any time and for any reason by providing you with a 60-day written notice. However, if we reasonably believe there may be any financial crime, potential fraud, or violation of any terms of this agreement, you agree that we have the right to immediately close or block your Account without prior notice.
3. You may terminate this agreement and request to close your Account at any time and for any reason by contacting our customer care. Once this request is received, we will freeze or block your Account and begin the Account closure process. We will issue a final closing Account statement unless there is an outstanding balance or pending transactions.
4. If your Account cannot be closed due to an outstanding balance or pending transactions, you will need to resolve these issues before the closure can be completed. If the balance remains unpaid or pending transactions are incomplete, we will notify you and initiate our regular payment collection procedures to recover any due amounts.

Registration

1. To access Huru Money Services, you must create an Account on the Huru App. During registration in the Huru App, you must complete an application form and undergo our Know Your Customer (KYC) process, which involves providing accurate, complete, and valid personal information and identification documents. You are responsible for keeping your personal information up to date and notifying us of any changes immediately.
2. Verification - After you submit your registration and KYC documents, Huru will review and verify the information provided. We reserve the right to accept or refuse your registration, request additional information, or ask for further verification. Your access to your Account and the associated services will be granted once we have completed the verification process. If you fail to provide the required information, we may reject your registration, suspend, or terminate the agreement with immediate effect and require you to pay any damages or costs incurred by us.
3. Account and Services Limitation:
   1. Depending on your age, residency status, or the level of identity verification, we may place limits on the features, functionalities, or services available to you.
   2. You understand that the services are available only to individuals over the age of 21. By registering, you confirm that you meet the age requirements and will not use any services not intended for your age group.
   3. If new services or features are introduced, we may request additional and/or verification, which may be completed on the Huru App or in person.
4. Issuing Cards - Once the registration process is completed, you may request a digital card. This card allows you to make contactless and online payments using the available balance in your Huru Money Account. You can also request a physical card, subject to certain conditions. Additional charges may apply for issuing digital and physical cards, and we will inform you of any charges (if applicable) during the application process or in the Help & Support section of the Huru App.
5. Card Expiry - Your prepaid card will expire according to the expiry date indicated on the card or in the Huru App. If there are no issues with your Account, we will issue a replacement card before the expiration date.

Services

1. The Account - Once your registration process is completed, your Huru Money Account will be activated. This allows you to use and access the services provided through the Huru App, the Huru Money Account with an IBAN and the Huru Money Card powered by the Zand Bank.
2. Huru Mobile Application/App - The Huru App facilitates access to financial services per applicable laws and regulations set by CBUAE. Regulatory requirements, including limits on transaction amounts and fees, may be updated from time to time as required by law or as directed by CBUAE. Additionally, Huru may also set specific thresholds for transactions and fees, which are detailed in the Schedule of Charges available on the Huru App and our website. Users are advised to review this document periodically for the latest updates.
3. Transaction Execution - You may request us to execute transactions using one of the available payment methods following this agreement. We will make reasonable efforts to complete the requested transactions, subject to:
   1. your compliance with this agreement,
   2. the transaction being in line with applicable laws, and
   3. Sufficient funds being available in your Huru Money Account or authorized payment methods at the time of processing.
4. Transaction Confirmation - We will issue an electronic confirmation receipt through the Huru App to inform you whether a transaction has been accepted or rejected. A transaction is only completed when this confirmation is issued.
5. Rejected Transactions - We reserve the right to reject any transaction that we determine violates applicable laws, regulations, or our policies. We may also reject transactions if we suspect fraudulent or illegal activity. You will be notified electronically of any rejected transactions and, where possible, the reasons for the rejection.
6. Accepted Transactions - When a transaction is successfully executed, you can view the status and particulars of the same in Huru App also the balance in your Huru Money Account.
7. Service Quality - We will provide the Huru Money services with reasonable skill and care. However, due to the nature of digital services, occasional disruptions or downtime may occur, which are outside of our control, such as maintenance or unforeseen technical issues. We do not guarantee uninterrupted or fault-free service.
8. Security of Communications - We will take reasonable measures to secure your communications. However, we cannot guarantee absolute security, especially due to the risks associated with public Wi-Fi networks or unlawful interceptions. We are not liable for any losses arising from these risks.
9. Your Responsibilities - We will not be responsible for delays or failures of services if you fail to comply with this agreement.
10. Providing Information and Documents - We may ask for additional information or documentation to provide services. You agree to provide all requested documents, including identification and billing details. You are also required to update your personal information as per regulatory requirements.
11. Change of Personal Information - You must promptly notify us of any changes to your personal information. If you fail to update your details (such as an expired ID), we may suspend or terminate your access to the services.
12. Initiating Transactions - By making a payment request, you authorize us to debit your Huru Money Account with the requested amount. Transactions will be processed upon confirmation of the request.
13. Completing Transactions - Each transaction will incur applicable charges, and you authorize us to debit your Huru Money Account for these charges upon the successful completion of the transaction.
14. Changes to Services - We may introduce new services or discontinue existing services at our discretion. We will notify you of such changes.
15. Requesting Changes - You may request changes to your service features or settings via the Huru App or customer care. Additional charges or conditions may apply for certain changes.
16. Security PIN Code - Transactions must be authorized by you using your security PIN code or other authentication methods we may implement.
17. Unique Transaction Numbers - Each transaction will be assigned a unique transaction number, which will be included in your confirmation receipt. You may need to provide this number if you have inquiries about any transaction.
18. Transaction Security - We implement state-of-the-art encryption and fraud detection to secure your transactions, but no system can guarantee absolute protection from threats.
19. Identifiers - Your phone number will serve as one of your identifiers for accessing and managing your Huru Money Account.
20. Service Restrictions - You cannot complete a transaction if:
    1. The link between your device and Huru App or Huru Money Card is removed,
    2. You enter the wrong PIN code multiple times,
    3. Your session expires,
    4. You attempt to access Huru Money from an unregistered device.

Your Use of Huru Money Card

1. Issuance of the Huru Money Card - When your Account is activated, we will issue you a prepaid card that you can use as a payment method for the services we offer. The prepaid card will be valid for the period mentioned on it unless we suspend, deactivate, or terminate your Account or you decide to cancel the prepaid card or close your Account, as explained in this agreement.
2. Property - You agree that the prepaid card remains the property of Huru and Zand Bank combined and that Huru is authorized to issue and manage your card as part of its services, powered by Zand Bank. You will return the prepaid card to us (or destroy it, as we will communicate to you) upon termination of this agreement or our request.
3. Use of Prepaid Card and Authorization of a Transaction.
   1. You can use your prepaid card to make payments and access any services provided through Huru, subject to the availability of funds in your Account. You can also use the prepaid card with global participating merchants.
   2. You will authorize payments by using a security PIN code or other specified methods, which we may notify you of from time to time. For contactless or online payments, you may need to tap the payment terminal or complete the transaction digitally.
   3. Once a transaction is authorized, you understand and agree that it cannot be cancelled or stopped.
   4. We are not responsible for any refusal by merchants to accept your prepaid card.
   5. You agree not to use the prepaid card for cash advances or cash withdrawals from merchants.
4. The currency applied to your prepaid card is UAE Dirhams. If you make a payment or withdrawal in a different currency, you agree that we have the right to apply the currency conversion rate that is applicable at the time of the relevant transaction.
5. Charges - All charges associated with your prepaid card and its use are detailed in the Schedule of Charges, which is available on the Huru website. We advise you to check this document periodically for comprehensive information on fees, charges, and thresholds.
6. Restrictions on Use - In addition to the restrictions outlined above, you agree and understand that:
   1. You cannot use the prepaid card in certain countries or with non-participating or restricted merchants, or merchants not compliant with the regulatory requirements of Huru and Zand Bank.
   2. The prepaid card cannot be used to make payments for prohibited goods and services, such as those offered by gambling establishments or websites, or for any unlawful activity.
7. Huru Money Card Limitations
   1. You acknowledge and agree that we, in conjunction with Zand Bank, may impose spending, withdrawal, or payment limits on the prepaid card. These limits may apply to individual transactions, cumulative transactions, or as related to the services offered. You confirm that by using the Huru Money Card, you have reviewed and agreed to these limitations available on the Huru website
   2. You will not be able to use the Huru Money Card to purchase goods and services exceeding certain limits. You must refer to the latest communication regarding these amounts, noting that transaction limits may vary by country.
8. Huru Money Card Management - You are responsible for monitoring the balance of your prepaid card and transactions via the Huru application. If you detect discrepancies, you agree to contact our customer care immediately.
9. Reporting Fraud and Loss of the Huru Money Card.
   1. You agree to report to our customer care any suspected or actual unauthorized transactions from your Account or prepaid card within 30 days of the relevant transaction date. We will investigate the issue per applicable laws and the guidelines of the relevant payment schemes. We will inform you of the outcome and advise you on options to mitigate future risks or unauthorized activities.
   2. If we confirm that a transaction was unauthorized or incorrect, we will refund the full amount of the unauthorized or incorrect transaction within 30 business days of reporting this issue to us.
   3. If our investigation reveals that the unauthorized or incorrect transaction resulted from fraudulent activities or gross negligence on your part, you will be fully liable for any consequences. We reserve the right to take appropriate actions as outlined in this agreement and under applicable laws.
10. Cancelation of the Huru Money Card.
    1. You have the right to cancel the prepaid card at any time and for any reason, as provided in this agreement. To request cancellation, you may contact our customer care.
    2. We also have the right to cancel your prepaid card at any time and for any reason, as outlined in this agreement (including the termination clause).

Local and Cross-Border Fund Transfer Services

Domestic Fund Transfer
Huru offers domestic fund transfer services, enabling you to send and receive funds from your Huru Money Account to another Account within the UAE. Any instruction you issue for local transfer will be considered final. To complete your request, we may ask for details such as the beneficiary’s name, IBAN, phone number, email address, or other information required by applicable laws.

Authorization of a Local Transfer Request.
You must follow the on-screen instructions to confirm and submit a transfer request. By doing so, you authorize us to carry out the transfer, which may require entering a one-time password (OTP), PIN code, or biometric information.

Cross-Border Fund Transfer
We offer Cross-border Fund Transfer Services, enabling you to send funds internationally. As the “initiator” of the international transaction, you may send funds to a recipient, known as the “beneficiary.” The beneficiary can either collect the funds in cash from one of our affiliated locations (the "cash retrieval" service) or have the funds credited to their bank, mobile wallet, or other Accounts (the "Account credit" service). This agreement applies to both services unless specified otherwise.

Beneficiary Collection.
The beneficiary of a fund transfer can only retrieve the funds in the country specified when initiating the transaction. You are responsible for informing the beneficiary when the funds are available for collection. We will not send notifications to the beneficiary. A beneficiary must be a known person. Sending funds to unknown beneficiaries is strictly prohibited.

International Transaction Limits

1. You agree that there are limits on the amount you can send in a single international transaction. You can check these limits on our website. We may adjust these limits due to operational requirements or as required by the CBUAE. You understand that the beneficiary may also have receiving limits, of which we have no prior knowledge. You agree that we are not liable if a transfer cannot be completed due to these limitations.
2. We have the right to refuse an international transaction if we believe it violates laws, regulatory requirements, or could involve illicit activities or transactions with sanctioned countries.

International Transaction Cancellation.
Once initiated, international transactions cannot be retracted. For cancellation and refund requests, please contact us via chat or at help@huru.co. While we strive to address such requests promptly, resolution will be guaranteed within 30 days. You acknowledge that international transaction fees are non-refundable.

Unclaimed Transactions.
If a “cash retrieval” international transaction remains unclaimed for 90 days, it will be treated as an “unclaimed transaction.” After this period, we are not obligated to honour the transaction. You will be entitled to a refund of the unclaimed amount, excluding transaction fees. Contact us for a refund through chat or at help@huru.co. Refunds will be processed within 30 days.

Beneficiary Identification.
For cash-based international transactions, the beneficiary must provide the international transaction reference number and verify certain details regarding both the sender and them.

Beneficiary Limitation.
Fund transfers via the Huru App are exclusively for individuals. Transactions intended for commercial entities are not permitted.

Security Precautions
You agree to share the transaction details only with the intended beneficiary and exercise caution to prevent unauthorized access to these details. Do not share them with anyone other than the designated beneficiary, regardless of any assurances they provide.

Account Credit Transactions
For “account credit” international transactions, funds will be transferred to the beneficiary’s provided account. The beneficiary should consult their account provider for information regarding fund availability.

Third-Party Fees
The account provider of the international transfer beneficiary may apply fees to the transaction. Huru is not involved in, nor responsible for, such third-party charges.

Transaction Accountability
If an "account credit" transaction is mishandled due to an error on our part, we will promptly refund the transaction amount and our fee. However, if the funds were received by the beneficiary’s account provider or the provided account details were incorrect, no refund will be issued.

Use of Money Transfer Partners
We may engage with our partners to process local or cross-border transfers. If this occurs, you may be required to review and accept additional terms. By initiating a transfer, you consent to sharing the necessary information with such partners as per our Privacy Policy.

Your Use of the Service

Compliance with this Agreement and Applicable Regulations

1. You must adhere to the terms of this agreement and all applicable laws and regulations, including UAE regulations, when downloading or using the Huru application.
2. Service Guidelines. You must also comply with any guidelines and instructions we provide to ensure the integrity, quality, and safety of the services. These guidelines are considered part of this agreement. Unauthorized modifications, tampering, or misuse of the Huru application is prohibited and may lead to service suspension.

Sole Access. Each Account is intended for individual use by the registered customer only. Sharing Account access, credentials, or allowing others to use your Account is strictly prohibited.

Security Measures. You must always use your unique security PIN code and credentials to access Huru Money. You agree to regularly update them to enhance security. It is your responsibility to maintain the confidentiality of these credentials. If you suspect or discover unauthorized access or disclosure, promptly update your security PIN code or credentials and inform us via the designated digital channels or by contacting customer care at help@huru.co.

Device and SIM Card Protection. Safeguard your mobile device and SIM card. If you detect any unauthorized activities, potential fraud, loss, or theft, freeze your Account immediately and report the incident to us. Upon notification, we will deactivate your Account to prevent further misuse. Reporting must occur via our digital channels or customer care. You are required by law to report unauthorized or incorrectly executed transactions within 30 days of the unauthorized transaction.

Device Security. While we ensure the security of the Huru application, the safety of your device is vital for maintaining secure transactions. You agree to:

1. Keep your device’s operating system and software updated.
2. Use security features like screen locks, biometric access, or encryption.
3. Avoid downloading or clicking on suspicious links or apps that may compromise your device’s security.

Authorized Downloads. Huru Money is accessed through our mobile application. You must download and update the App only from authorized sources such as the Google Play Store or Apple App Store to ensure you receive the latest features and security enhancements. We are not responsible for any fraud, hacking attempts, or security issues arising from downloading or installing the App from unauthorized or third-party sources.

Network Etiquette. You agree to respect the rules of any other network you access through the Huru App.

Intellectual Property Respect. You agree to refrain from violating intellectual property rights.

Property Rights Adherence. You must not alter, remove, or obscure any copyright, patent, trademark, or other proprietary rights notices associated with the Huru App or website.

Content Usage. Any content provided through Huru is for personal or internal business purposes unless explicitly agreed otherwise. Unauthorized exploitation, copying, or sharing of the application or its content is prohibited.

Income Restrictions. You agree not to derive income from the use or provision of Huru Money Services without our authorization.

Service Protection. You must avoid actions that could harm the Huru App, its services, its network, or any third-party networks connected to it.

Unauthorized Access. You must use the Huru App and services lawfully and per this agreement. Attempts to gain unauthorized access, including hacking or reverse engineering, are prohibited.

Reporting Fraud and Loss. If you suspect or confirm fraud or experience the loss or theft of your SIM card, mobile device, or prepaid card, you must inform us promptly through digital channels. We will secure your Account upon notification. Any charges for replacement services, such as a new SIM card, are your responsibility. You are also liable for any transactions made before securing your Account.

Malware Prevention. Ensure no malware, viruses, or harmful software are introduced through the Huru App. Regularly use virus-scanning software and take precautions to secure your mobile device.

Cooperation in Investigations. You agree to cooperate in any investigations conducted by us or regulatory authorities related to the services and provide necessary identity verifications or information upon request.

Business Relations. You agree to avoid actions that may harm our relationships with business partners, merchants, or associates.

Our Responsibilities

Service Provisions. We are committed to providing Huru Money in compliance with this agreement and applicable laws.

Transaction Accuracy. We will strive for the accurate execution of transactions under this agreement and applicable regulations.

Unauthorized Debits. If an unauthorized transaction occurs without your PIN or credentials (or after you report them compromised), we will refund the debited amount unless fraudulent activity, gross negligence, or intentional misuse by you or a third party is involved.

Reporting Issues. If you experience service issues, contact our customer care at help@huru.co for assistance.

Account Security Commitment. We will maintain systems and practices to secure stored value in your Account. Unauthorized debits due solely to our non-compliance will be refunded unless fraud or gross negligence on your part is proven.

Restrictions on your use of the services and the prepaid card. You must ensure that our services or the prepaid card are not used, as applicable:

1. In a manner that violates our applicable use policy or any other relevant policies (non-compliance may result in fees or penalties).
2. To conduct or facilitate illegal or fraudulent transactions.
3. In any way that compromises the security or integrity of our website.
4. To automate transactions or create artificial transaction volumes.
5. To facilitate schemes where compensation is derived from influencing others to engage in a transaction (e.g., pyramid schemes).
6. To manipulate or exploit any loopholes, vulnerabilities, or promotional offers; and
7. In any fraudulent, deceptive, or illegal manner, or in any way that is not in line with this agreement.

Anti-Money Laundering/Fraud.

You understand that we are under the obligation to comply with the existing legal obligations and the CBUAE’s regulatory requirements to combat and address fraud and illegal financial activities risks such as money laundering (ML) and financing terrorism (FT). This includes taking preventive measures to deter abuse of the sector as a conduit for illicit funds, detecting ML and FT activities, and reporting any suspicious transactions to the Police and/or the Financial Intelligence Unit at the CBUAE.

You also understand that we must undertake periodic risk profiling and assessment based on ML/FT and anti-fraud requirements. As part of these obligations:

1. To prevent fraudulent activities and ensure compliance with ML/FT and fraud regulations, you must not grant access or allow transactions on your Account by third parties.
2. Any suspicious activity will be investigated, and we have the right to suspend or terminate Accounts found in violation.
3. If sufficient evidence demonstrates that your Account has been used for illicit activities, we reserve the right to retain any funds within the Account as permitted under applicable laws, to comply with regulatory obligations and protect against fraud and illicit activities.

No reselling or unauthorized distribution.

Restrictions on Services. You must not resell, redistribute, or provide access to our services or any associated tools or features to any third party without our explicit written consent.

Your Responsibility. If you use our services to access third-party financial platforms, payment gateways, or other external services, you are responsible for any charges or obligations incurred with those third parties. We are not responsible for any transactions, agreements, or interactions you may have with third-party platforms or for how you use those external services.

Suspending or cancelling your services

Grounds for suspension or cancellation.

We may, at any time, suspend, restrict, block, or cancel your access to your Account, the Huru application, the prepaid card, and services under the following circumstances, without prior notice. Where legally possible, we will let you know about such suspension, restriction, block, or cancellation and explain to you the actions and steps that you need to take to correct the issue (where applicable).

Accordingly, we also have the right to terminate this agreement by notifying you through the digital channels when:

1. You do not keep this agreement.
2. We are asked to by any regulatory or government authority, or if required by law or to comply with a court order.
3. We believe you are using our services in a manner not permitted under this agreement.
4. We suspect fraudulent or illegal activity associated with your Account or you acted in gross negligence and did not take reasonable steps to keep your personalized security credentials safe.
5. You notify us about unauthorized access or security breaches related to your Account and we determine that such breaches resulted from your gross negligence or failure to take reasonable steps to protect your personalized security credentials, and that the continued operation of your Account poses a security risk or a potential liability to the security, integrity, or operations of our platform or services or other customers.
6. You declare bankruptcy, become insolvent, or undergo liquidation.
7. You take actions that might compromise the security or integrity of the Huru App and our website or adversely affect our customers.
8. There are technical failures or necessary maintenance that affects our ability to provide the services.

Recovery of Costs. If we suspend or cancel your Account due to your actions or omissions, you may be liable for any reasonable costs or expenses incurred as a result.

Ongoing Charges. Even during any period of suspension, you remain responsible for any charges or obligations associated with your Account.

Charges and payment

Automatic payment. You must ensure you have sufficient funds in your Account or prepaid card to cover a transaction and associated fees. We will deduct charges from your Account upon completion of each transaction.

Insufficient funds. If your Account or prepaid card does not have enough balance to cover a transaction and its associated fees, the transaction will not be processed. You agree that it is your responsibility to ensure adequate funds are available before initiating any transaction. We will not be responsible or liable to you if we reject a transaction for insufficient funds.

Transaction statement. After each transaction, we will provide you with a detailed statement or receipt of the charges deducted.

Adjustment of Charges. The charges will be displayed in the Huru application within the Help & Support section and on our website. We have the right to update the charges for any service from time to time for any reason, including when required by law or the CBUAE. If so, we will provide you notice before the revised charges take effect or advise you of the charges that apply to a requested transaction before completing it.

This way, you will have the chance to cancel the transaction. If you disagree with the revised charges, you may choose not to use the relevant service. If you proceed with your request, it means you have accepted the revised charges, and we will not reimburse you any charges that you have accepted.

Refunds. If a transaction is reversed or cancelled per this agreement, the amounts deducted for that specific transaction will be credited back to your Account or prepaid card. However, you agree that the transaction fees or service charges deducted from your Account are non-refundable.

Refund Processing. We will make our best effort to complete the refund as soon as possible. However, you agree that the refund may be delayed or may not occur if we reasonably believe there is fraudulent behaviour by you. You also agree that we may, at our discretion or as required by the CBUAE or applicable laws and regulations, notify the CBUAE of those grounds in writing.

Fraud, Loss, or Theft of SIM Card or Mobile Device. If your SIM card or mobile device is lost, stolen, or subject to fraudulent activity, you agree to immediately notify us in writing or through any digital channels, so we can freeze your Account. You will be responsible for any charges associated with the replacement of your SIM card and for any transactions conducted up to the time we froze your Account at your request.

Account Balance Limit. You agree that if your Account has insufficient funds and certain services or features are restricted as a result, you remain responsible for all transactions and charges on your Account, even if they exceed any predefined limits.

Account License and Right to Use

Ownership of Intellectual Property.

You agree that any intellectual property that we own (including trademarks, logos, designs, know-how, patents, and copyrights) is not transferred to you.

Limited License.

Under this agreement, we grant you a non-exclusive, non-transferable, personal, and limited license to install the Huru App, use it, and conduct transactions using your mobile device, following the terms of this agreement and applicable laws and regulations.

Liability

General Liability Limitation.

We will not be legally responsible to you under this agreement unless UAE law states otherwise. To the extent permitted by applicable laws and regulations, we will not be responsible or liable to you for any loss of revenue, loss of profits, loss of anticipated savings, loss of business, loss of business opportunity, loss of goodwill, business interruption, data loss, or data corruption, or any indirect, punitive, special, incidental, or consequential loss, even if we have been advised of the possibility of such damages or losses. You agree that you are responsible and will be liable to us for any losses we incur due to your fraudulent actions or failure to adhere to the terms of this agreement.

Liability for Breach of Agreement.

If you breach this agreement, you agree to be responsible for any risks and costs resulting from the consequences of such a breach. In such cases, you agree to indemnify and hold us, along with our employees, officers, directors, and shareholders, harmless against any losses, liabilities, damages, costs, expenses (including reasonable legal fees), or charges arising out of or with any third-party claims linked to your breach of this agreement.

Circumstances Beyond Our Control (Force Majeure). We are not responsible or liable to you for any failure or delay in fulfilling our obligations under this agreement caused by circumstances beyond our reasonable control. While we will strive to minimize the impact of such events, you remain responsible for any charges incurred during these circumstances.

Security PIN Liability. If you share your Security PIN or credentials with a third party, or if you fail to protect them using reasonable care and they are misused, resulting in unauthorized transactions through Huru Money, you will be fully responsible to the extent permitted by law. You agree to indemnify and hold us, our employees, officers, directors, and shareholders harmless against any losses, liabilities, damages, costs, expenses (including reasonable legal fees), or charges arising from such misuse until:

1. You change the compromised credentials; or
2. You notify us in writing or through digital channels that your credentials have been compromised or stolen.

Indemnity for Pre-Freeze Transactions. You agree to indemnify us and hold us, our employees, officers, directors, and shareholders harmless for any losses, liabilities, damages, costs, expenses (including reasonable legal fees), or charges resulting from any transactions made using your mobile device, SIM card or card before we freeze your Account at your request.

Liability for Goods and Services. If you use Huru Money to purchase goods or services from a third party (e.g., a merchant), we are not responsible for any issues related to the purchase, delivery, fitness for purpose, or warranty of those goods or services. You understand that such purchases are governed by your agreement with the third party. For complaints or disputes, you agree to contact the merchant or the payment method provider directly.

Reverse Transaction. We reserve the right to reverse a transaction if there is a manifest error. You agree to notify us immediately of such an error and authorize us to deduct the relevant amount from your Account.

Service Limitations.

To the extent permitted by applicable laws and regulations, we are not responsible for any losses or costs you may incur when:

1. You are unable to access or use the Huru App or services. We do not guarantee the uninterrupted availability of our services.
2. Your device, hardware, or software used with Huru Money is damaged, corrupted, hacked, or fails to function.
3. Huru Money and related services contain errors or defects that are not corrected within a specific timeframe.
4. Third-party service providers fail to provide services (e.g., software providers, mobile operators, merchants, or payment schemes).

Liability for Service Quality and Limitations.

1. In cases of data loss or corruption directly attributable to our services, we will take reasonable steps to assist in data recovery or rectification. We encourage you to maintain regular data backups.
2. We are not liable if our network or services become temporarily unavailable.
3. We are not liable for faults, malfunctions, or delays related to network performance.
4. We are not responsible for third-party products or services used with our services or for the content accessed through the Huru App.

Post-Agreement Liability. This clause regarding liability remains effective even after the termination of this agreement.

Personal Information and Privacy

Protection of Personal Data. We will comply with all applicable UAE laws regarding privacy and the protection of your personal information. If you use Huru Money outside the UAE, we are not obligated to process your information under any non-UAE laws.

Data Security.

We will implement and maintain policies, procedures, and practices to protect your data and address any security breaches promptly.

Data Retention and Disclosure. You understand and agree that we have the right to retain and store your data, identification details, and transaction records as required by applicable laws, including those of the Central Bank of the UAE (CBUAE). We may disclose this data to the CBUAE, other governmental or regulatory bodies, or according to a court order when required.

Use of Third-Party Services. While using the Huru App, you may access third-party software or APIs. To use such services, you may need to accept separate terms and conditions or enter into agreements with these third parties. We are not responsible for these third-party services or any aspects of the services reliant on them, particularly if you decline the relevant third-party license agreements.

Sharing of Personal Data. We will take all reasonable steps to prevent unauthorized use of your data. However, we may share your personal information under the following circumstances:

1. If required by applicable laws or regulations.
2. With your consent.
3. For credit checks, where applicable.
4. With local or international law enforcement agencies or government bodies to assist in investigating, detecting, prosecuting, or preventing fraud or crime.
5. To the CBUAE.
6. With our legal representatives, auditors, or a competent court for legal or audit purposes.
7. To our partner entities directly involved in providing services to you, to facilitate and administer the Huru Money Services.
8. To entities directly involved in providing services to you, ensuring they uphold confidentiality and use your information solely for service provision.

Collection from Affiliates. You acknowledge and consent to us obtaining personal information about you (e.g., Emirates ID details) from our business partners, affiliated entities, or subsidiaries for Account verification, service implementation, and administration, in compliance with applicable data protection laws and regulations, including those of the CBUAE.

Cross-Border Data Access. You understand that your data may be shared with third parties and could be accessed under legal proceedings both within and outside the UAE.

Additionally, subject to applicable laws, we may use your data to send you marketing materials and offers tailored to your interests to provide you with the best possible service experience.

Data Retention. Your data will be retained only as long as necessary by applicable laws. You may request access to, amendments of, or deletion of your data at any time by notifying us, except where retention is required by law.

Consent for Data Collection. By using Huru Money, you consent to the collection, storage, use, and transfer of your personal information, including Emirates ID details, solely for the purposes mentioned herein, per applicable laws. If you do not consent, please refrain from using our services.

Passwords. You are responsible for safeguarding any passwords or credentials used to access your Account and Huru Money.

Use of Personal Information. If you permit, we may use your personal information for communication as described in our policies. We may anonymize your data, aggregate it with other users’ data, and share it with third parties to improve services.

Monitoring. You agree that we may monitor your use of Huru Money and record calls to our customer care team for training, quality control, financial control, and regulatory or legal purposes. By using our services, you authorize us to monitor and record communications for these purposes.

Data Breach Protocols. In the event of a data breach, we will promptly notify affected users and take necessary measures to mitigate the impact. We will also notify the CBUAE of significant or material breaches as required by their regulations.

Third-Party Integrations. Huru Money may include integrations with third-party providers to enhance functionality. While we ensure these providers maintain stringent data protection standards, we recommend you review their privacy policies for additional details.

User Rights. You have the right to request access to, correction of, or deletion of your data stored by us. You may exercise these rights through our customer care channels.

Consent Management. You can provide or withdraw consent for data processing activities, including marketing communications, at any time using the tools we provide for managing consent preferences.

General

1. These Terms, together with referenced policies and agreements, constitute the entire agreement regarding the use of Huru Money Services.
2. Our decision not to enforce any part of these Terms at any given time does not waive our right to enforce them later.
3. We may transfer its rights and obligations under these Terms to third parties, including affiliates or partners, without requiring user consent. Users may not transfer their rights or obligations under these Terms without prior written approval from us.
4. These Terms are enforceable only by the parties to the Terms (us and the User), and no other individual or entity has the right to enforce any part of them.
5. If any provision of these Terms is deemed invalid, illegal, or unenforceable, the remaining provisions will continue to be fully effective and enforceable.
6. Notifications or communications from us will be sent via the Huru App, email, SMS, or other registered contact methods. Users may send notices to us through the Contact Page within the App or via the email address provided in these Terms.
7. Users are responsible for complying with all applicable laws, rules, and regulations related to their use of Huru Money services.

Language

These Terms are provided in English and Arabic for convenience. In the event of a conflict or discrepancy between the English and Arabic versions, the English version will prevail.

Complaints

Users may submit complaints to the customer care team through the live chat feature in the Huru app, via email at help@huru.co, or by physically visiting our office. To ensure security, our customer care agents will verify user identity by asking questions related to the user’s Account. Once verification is successful, the agent will address the concern using Huru’s troubleshooting knowledge base.

If a complaint requires further investigation, it will be escalated to Huru’s operations team. Huru will make every effort to resolve complaints within five business days. However, timelines for resolution may vary depending on the nature and complexity of the issue.

Governing Law and Jurisdiction

These Terms, as well as any disputes or claims arising from or in connection with them, are governed by the laws of the United Arab Emirates (UAE). Any disputes or claims will fall under the exclusive jurisdiction of the courts in Dubai, UAE.