Terms & Conditions

DEFINITIONS:

• “Card Issuer”: The bank that provides debit and credit cards or prepaid cards to the customer or the cardholder.
• “Bank” or “ABK”: Means Al Ahli Bank of Kuwait (KSCP)
• “Customer or Applicant”: The natural person or body corporate applying for the card.
• “Cardholder”: The person to whom the card was issued and whose name appears on it.
• “Cardholder’s Data”: Any personal information identifying a person to whom a debit card, credit card or prepaid card was issued. The cardholder information includes the basic account number (PAN) as well as several information including: cardholder’s name, expiration date and service code.
• “Tokenization technology”: It is the replacement of card data with unique, secure codes.
• “Transaction  or  Card  Transaction”:  Means  the  transaction  of  the  purchase  of goods, access to services, cash withdrawals, etc., by the use of the Card by any means.
• “Token”: The code of encrypted data.
• “Device”: A smartphone, tablet, smartwatch or other device that suits the wallet and which the bank determines the use thereof for any of its cards transactions.
• “Wallet”: Means method of payment by smartphone or smart device and digital wallet services provided by the service provider allowing the user / cardholder to make an electronic payment by using specific cards registered on these devices.
• “PIN Code”: Means the Personal Identification Number (PIN code) necessary to access a device and includes a password, passcode, pattern or biometric identifier (where applicable).
• “Token service provider”: The provider that accomplishes many tasks, especially the  creation  and  storage  of  Tokens  and  linking  between  the  primary  account number and the token and validating the use of the token.
• “Token Applicant”: Many parties can request the token from the service provider such as merchants, electronic payment gateways or parties with a relationship with the user or any other parties wishing to deal with this service.

TERMS AND CONDITIONS:

1. The service is provided free of charge.
2. The creation of the wallet is free of charge.
3. Activation of the service is only at the request of the customer and through his phone.
4. The validity of the service is linked to the validity of the card.
5. The Customer and / or the Cardholder shall be solely responsible for the Card, the security of the Smart Device and its use, the use of the personal or PIN number or any identifying information related to the use of the Token Service, and shall bear all the consequences thereof, especially if such information is lost or used by third parties.   The Customer shall compensate ABK for any damages or losses arising as a result of this, and the Cardholder / Customer shall be fully responsible for all fees, costs, losses and damages arising from the breach of any type whatsoever, and for whatever reason.
6. The Cardholder / Client shall notify ABK immediately in case of violation of the PIN or disclosure thereof to another person or entity.
7. The digital wallet provides another way for the cardholder or the customer to make  purchases  or  electronic  payments  through  the  card,  so  the  terms  and conditions of the card shall apply to all transactions done through it, including fees, charges and interests due as agreed in the card contract.
8. The customer / cardholder shall pay any other fees that the service provider or any third party may charge on the token service provided.
9. The  cardholder  or  customer  can  add  ABK  cards  to  the  wallet  by  following  the instructions of the wallet service provider.
10. Only ABK determines the wallet eligible cards.
11. Only the Bank has the right to determine which cards are eligible for listing and whether to use the digital wallet according to the credit status of the customer or cardholder.
12. The  customer  /  cardholder  is  allowed  to  carry  out  transactions  on  the  digital wallet after the accepted card is added to the wallet and the bank reserves the right to determine which cards are eligible for inclusion in the digital wallet. The wallet may be accepted in some places, but not all, without any liability on the card issuer bank.
13. ABK reserves the right to refuse or allow / process any transactions in case of suspected breach of terms of use or for security purposes or fraudulent or illegal activity. The Cardholder or Customer shall not be entitled to claim any financial losses due to this act from the “bank”.
14. When the “Cardholder” or “Customer” adds ABK  card to the wallet, the Bank collects certain information to verify the identity thereof, in order to enable it to use the card and facilitate its sharing in the wallet.
15. ABK  will  also  request  specific  account  information  for  each  card  that  the Cardholder or Customer selects to use with the Wallet, including the most recent transaction information on the Card to ensure that the Cardholder is performing the transaction and the Bank will not request the full Card number from the client.
16. The Cardholder or Customer agrees that ABK may also periodically collect and use technical data and related information, including but not limited to the technical information about the Cardholder or Customer to facilitate updates ABK services. ABK  may  use  this  information  to  improve  its  products  or  provide  services  or technologies to the Cardholder or the Customer as long as they do not personally identify you.
17. The  Cardholder  or  the  Customer  may  receive  payment  alert  messages  from the Wallet reflecting the Card Account activities. If you do not wish to receive payment  messages,  you  can  turn  them  off  in  your  device  settings  or  Wallet application settings.
18. ABK transactions made through the wallet within Kuwait’s borders are subject to the rules and regulations of the State of Kuwait.
19. Transactions outside Kuwait will follow the rules and regulations of the countries where the transaction took place.
20. If  the  “Cardholder”  or  “Customer”  has  any  questions,  disputes  or  complaints about the Wallet, please contact ABK on 1899899, available 24 hours a day.
21. ABK is not an electronic wallet service provider and is not responsible for providing the wallet service to the cardholder or the customer.
22. The  Bank  shall  not  be  liable  if  the  transaction  fails  from  the  Wallet  in  any transaction carried out by the Customer or the Cardholder
23. The  Bank  shall  not  be  liable  for  the  performance  of  the  Digital  Wallet  Service Provider or any agreement with other third parties entered into by the Cardholder or Customer with the Wallet Provider or any relationships with a third party that may affect the use of the Wallet.
24. The Bank shall not be responsible for the use, effectiveness or provision of the Wallet Application or any Wallet Device and is not responsible for the provision of Wallet-compatible reader devices at commercial locations or the low level of service resulting from the failure of third party communications and networks.
25. The Bank shall provide information securely to the Wallet Provider to allow the use of the Card (s) in the Wallet.
26. All transactions resulting from this service and card operations are subject to the provisions of Kuwaiti law and the jurisdiction of the Kuwaiti courts to settle any disputes arising out of or in connection with Digital Wallet or Token operations.
27. The  Card  shall  remain  at  all  times  the  property  of  ABK  and  it  shall  be  the responsibility of the Cardholder or the Customer to return it whenever the Bank so requests.
28. If this Agreement is terminated by the “Cardholder” or the “Customer” and the “Cardholder”  or  “Customer”  returns  his  cards  issued  by  ABK  to  the  Bank,  all obligations  and  rights  due  to  the  Bank  relating  to  this  agreement  shall  not  be affected prior to termination.
29. All other ABK’s Terms and Conditions shall be confidential. ABK may amend or change the Terms and Conditions of this Agreement at any time.
30. ABK reserves the right to amend any of these terms and conditions at any time, and any amendment announced by ABK or any of its branches or by any other means deemed appropriate, is a valid and effective amendment from its date and shall be binding on the Cardholder or “Client”.

I hereby confirm that I am the applicant / Principal Beneficiary of this card(s).

I have read / understood the Terms and Conditions and have received a copy of these documents.