Zain Cash Terms of Use

Terms and Conditions of Mobile Payment
Service and Opening a Zain Cash E-Wallet



  1. Definitions:
    • Al-Mutamayyeza/Company: The Distinct Electronic Payment Services Through Mobile Phones Company (Zain Cash).
    • Agent: An entity authorized by Al-Mutamayyeza. to provide/ carry out some or all its licensed activities through tools or systems applicable at Al-Mutamayyeza.
    • Service Provider: The Distinct Electronic Payment Services Through Mobile Phones Company.
    • Service/ Services: Mobile payment service.
    • Bank: Central Bank of Jordan.
    • Customer: The natural person who opens an electronic wallet in his/ her name, who has signed/accepted these terms and conditions, and who has been registered in the national switch through the Service Provider for the purpose of using the mobile payment service.
    • Electronic wallet: The virtual account that is opened with the Company in the name of the Customer to enable the Customer to carry out mobile payment transactions.
    • Card: Prepaid Zain Cash Card associated with the Electronic wallet account.
    • Electronic money: The monetary value electronically stored, which is issued in exchange for receiving cash of the same type and value of the currency itself and is a means of transferable fulfillment between the parties dealing with it by electronic means.
    • Frozen E-Money Account: Electronic wallet account on which no financial transaction has been made, where the existence of the account holder could not be established through other transactions with the Company, with whom all means of communications have been used, and on which account one year has lapsed since the date of the last financial transaction.



  2. The Customer acknowledges that all the data, information and documents submitted by him/ her are correct and proper. The Customer acknowledges his/ her full responsibility for what is contained therein, the extent of its legality, all matters related thereto.
  3. The Customer represents that he/ she is the actual beneficiary and owner of the e-moneys in his/ her Electronic wallet account, subject to legal responsibility.
  4. The Customer authorizes the Agent and/ or Service Provider to send his/ her data to the national switch for the purposes of his/ her registration; and the Company shall send the result of the registration process to the Customer.
  5. A onetime password shall be sent for the purpose activating the Service; the Agent and/ or Service Provider shall issue a user code and username No. to the Customer which the Customer shall maintain at his/ her own responsibility.
  6. The user code and username No received by the Customer shall operate as a signature and representation by the Customer of consent to execute any requests, services or orders, where no challenge that the username No and the code have been published and used by a third party or the claim that the Customer has not performed any of the services shall be accepted.
  7. The Customer represents that he/ she has read and understood the mechanism of operation of the Services and any published guidelines, and he/ she can review the published instructions on the website of the Central Bank of Jordan and certain guidelines on Zain Cash application.
  8. The Customer agrees on considering all records of the Service Provider credible, documented and correct upon him/ her. The Customer also agrees that the electronic record, which is saved and extracted from the Service Provider's systems, is the electronic record adopted in the event of any dispute.
  9. The Customer acknowledges that the use of the Service is subject to the legislation in force issued by the Central Bank of Jordan.
  10. The Customer acknowledges and agrees that the Service provider has the right to suspend the Service at any time of its choice, and for any reason that the Service Provider deems suitable at its own discretion, without incurring any liability upon the Service Provider by notifying the Customer as the Service Provider sees fit, and the notification will be considered duly delivered to Customer upon sending it by Company.
  11. The Customer acknowledges that the Service Provider reserves the right to suspend, cancel and/ or close the Electronic Wallet immediately upon requesting the same by the security authorities and/ or the Central Bank of Jordan without notifying the Customer of the same.
  12. The Customer’s subscription is linked to the national number for Jordanians and the identification number approved by official authorities for non-Jordanians in accordance with the instructions of anti-money laundering and terrorist financing for payment service provider companies.
  13. The Customer hereby absolutely and irrevocably authorizes the Company / Service Provider to debit the value of any transaction on the Electronic Wallet account of the Customer's wallet with the Company / Service Provider, in addition to any commissions/fees or expenses that may be incurred.
  14. The Customer hereby absolutely and irrevocably authorizes the Service Provider to reverse any transaction made on the account of the Electronic Wallet or the Customer's Card by error or omission, and whether such an error is technical or human. The Customer releases the Service Provider from any responsibility of whatever nature resulting from such type of errors or omission. The Customer further undertakes, at detecting any error to immediately advise the Service Provider of the same, and refund any amounts that the Customer has withdrawn from the principal amounts credited to his/ her Electronic Wallet account by error upon taking note of the same and/ or on first demand by the Service Provider without any objection thereto by the Customer.
  15. The Customer acknowledges that the Electronic Wallet is linked to the mobile phone number provided/ chosen by him/ her, so that payment by Electronic Moneys transferred by the Service Provider and/ or the Agent to the Customer's wallet shall be made against the received monetary amounts, after which the Customer deals using such Electronic Moneys.
  16. The Customer acknowledges and agrees that the Company / Service Provider and/ or Agent has the right to charge a commission fee for every transaction/ movement carried out by the Customer when using the payment Services, which will be deducted from the balance of the Electronic wallet as stated by all means available to the Service Provider.
  17. The Customer acknowledges that he has perused the mobile payment transaction limits as set forth in the legislation issued by the relevant authorities and any amendments thereto
  18. The Customer acknowledges that the Agent and/ or Service Provider is not responsible for any non-executed or refused transactions that are not attributed to it.
  19. The Customer shall, at his/ her own responsibility, immediately advise the Company in case of losing and/ or changing the mobile phone number registered with the Company.
  20. The Customer has the right to file any complaints/ suggestion with the complaint center of the Company and/ or call the number of the Complaint center (1444/0791444100) without charging any fees or commission for the same.
  21. Subject to the provisions of Article (20) above, the Customer shall have the right to refer to the Central Bank of Jordan in case of dissatisfaction with the response of the Company by sending the complaint/ suggestion to consumer protection department.
  22. The Customer shall, at his/ her own responsibility, ensure the details of all transactions before executing them. The Customer further acknowledges that the Company / Service Provider assume no responsibility for any error, omission and/ or negligence by the Customer, and the Company / Service Provider accepts no liability for any damages, expenses and/ or claims resulting from the same.
  23. The Customer shall, at his/ her own responsibility, maintain and protect his/ her personal password and comply with all security and confidentiality rules as determined by the Company. The Customer further acknowledges that the Company / Service Provider assume no responsibility for any error, omission and/ or negligence by the Customer, and the Company / Service Provider accepts no liability for any damages, expenses and/ or claims resulting from the same.
  24. The Customer shall, at his/ her own responsibility, ensure the details of all transactions made to his/ her Electronic Wallet account by following up the confirmation messages sent to his/ her number after every transaction, in addition to not making any transactions without having sufficient balances in his/ her account. The Customer further acknowledges that the Company / Service Provider assume no responsibility for any error, omission and/ or negligence by the Customer, and the Company / Service Provider accepts no liability for any damages, expenses and/ or claims resulting from the same.
  25. The Customer represents that he/ she has the passwords to the Electronic Wallet and/ or Card without the need for his/ her signature against receipt.
  26. The Customer shall be responsible for any mistake that may arise from depositing and/ or transferring any amount by mistake from the account of the Electronic Wallet and to third party account. The Customer further acknowledges that the Company / Service Provider assume no responsibility for any error, omission and/ or negligence by the Customer, and the Company / Service Provider accepts no liability for any damages, expenses and/ or claims resulting from the same.
  27. The Customer acknowledges and agrees that the Company / Service Provider will not be responsible for any faults, damages and/ or expenses incurred by the Customer as a result of any breach of these terms and conditions. The Customer shall abide by and undertakes to bear all the compensations, claims and damages to which the Company may be exposed as a result of any breach of these terms and conditions and/ or for whatever reason or when there is a claim by any third party.
  28. The Customer acknowledges and agrees that the Company / Service Provider reserves its right at all times to amend the terms and conditions upon notifying the Customer in the way the Company deems appropriate, which includes but not limited to (through Company's website, publications, newspapers, SMS), according to the means determined by the Company and as the Company deems appropriate without showing reasons. The Customer also warrants his/ her compliance with those terms and conditions, after they have been amended, and further agrees that in case of using this Service(s) after any amendments or changes to their terms or conditions, he/ she accepts and consents to all of the new and/ or amended terms and conditions.
  29. The Customer acknowledges and agrees that the Company / Service provider reserves its right at all times to modify the pricing policy, fees and commission relating to this service upon notifying the Customer in the way the Company deems appropriate, which includes but not limited to (through Company's website, publications, newspapers, SMS), and without showing reasons. The Customer further warrants his/ her compliance with those fees and commissions , after they have been modified, and further agrees that in case of using the Service(s) after any modifications or changes to the pricing policy, , fees and commission the same shall serve as an acceptance and consent by him/ her thereto.
  30. The Customer shall be notified, by means of communications that the Company deems suitable, that the Electronic Wallet account will be frozen at least one month before considering the Frozen E-Money Account. The Customer shall be notified of freezing his Electronic Money account and of the procedures necessary for activating it, and accordingly, the Electronic money account and the prepaid payment instruments linked to the account shall be suspended.
  31. The Customer knows that no financial transactions (including for example without limitation, financial withdraw and/ or transfer transactions) from the Frozen E-Money Account shall be accepted but after having the Customer, either in person or through his/ her legal representative, approach the Company and settle the incurred liabilities for re-activating the Frozen E-Money Account in accordance with the legislation of the Central Bank of Jordan.
  32. The Customer agrees that the Company / Service Provider has the right to charge a commission fee on a periodical and ongoing basis if the Customer has not used the payment services and / or the Electronic Wallet and/ or in case of making no financial transaction through it and as solely determined by the Service provider. The fee shall be deducted from the balance of the Electronic Wallet, and by this the Customer authorizes the Service Provider an authorization that is not irreversible or revocable, and at any time to charge the said commission on the Electronic Wallet account, repeatedly and continuously, without any objection from the Customer.
  33. The Company / Service Provider shall advise the Customer in any way the company sees appropriate of the balance of his/ her Electronic Wallet promptly after completing any financial transaction on his/ her Wallet in any way the company .
  34. The Company shall refund the amounts to Customers in the event that the Company / Service Provider ceases to provide the Service in accordance with the operating procedures of the Company.
  35. In the event of the Customer's death, the Company will suspend Customer Wallet as soon as the Company becomes aware of this and provided with related documentation, according to the procedures determined by the Company in this regard.
  36. The Company shall take all necessary actions and precautionary measures to ensure the security and confidentiality of the Customer’s information.
  37. Confidentiality
    1. The Company confirms to maintain the confidentiality of Customer information and data and not to use it for any scope of business and/or share it with any third party unless the Company obtains the Customer’s consent or as permitted under the provisions of the legislation in force and the instructions of the Central Bank of Jordan.
    2. Notwithstanding what is mentioned in paragraph (A) above, The Customer waives the right to maintain confidentiality of the personal data and information and the Customer hereby agrees and authorizes the Company to disclose any information or data related to Customer, the Electronic Wallet and/ or the Card that may be requested by any administrative, security and/ or judicial authorities, and/ or any third party as required by the nature of operations and/or Services provided by the Company, and/ or as may be requested by the Customer in addition to the campaigns provided by the Company which will disclose the Customer's full name and/or wallet number, and without the need for notifying the Customer of such.
  38. It is hereby agreed between the two parties that the Company / Service provider has the right to directly terminate this contract in the event that the Company is unable to complete the due diligence procedures related to the beneficiary. or if the Customer breaches the terms of the contract, or if any of the submitted documents is found to be incorrect, or if the Central Bank of Jordan requests such and/or administrative, security and/or judicial authorities in this regard, or in the event that it is discovered that the Customer is on any of the ban lists issued under UN Security Council resolutions or the national list issued by the Technical Committee to implement the obligations contained in Security Council Resolution No. 1373 (2001) and other related decisions, or if the Customer’s practice illegal acts.
  39. It is hereby agreed upon between the two parties that the Company / Service provider has the right to directly suspend the service without assuming any responsibility if the name of the Customer is designated on the blacklist of the Central Bank and/ or if the same is requested by any security and/ or official authority without notifying the Customer of the same.
  40. Zain Cash Card is issued to the Customer upon his request in accordance with the terms and conditions of the Service Provider, subject to the laws, regulations and instructions; the Customer however is responsible for any transactions made using the Card, including maintaining the Card and passwords, as well as for any loss that the Service provider may sustain due to misuse of the Card, Electronic Wallet or the used device
  41. The Customer acknowledges that the Card is the property of the Service Provider ands is handed over to the customer for his/ her personal use, and that it is non-transferable; and further undertakes to maintain it any keep it in his/ her possession during the validity thereof, and not to surrender it to any other person.
  42. The Customer agrees and acknowledges the validity of the financial transactions made on any of his/ her Cards and the Customer acknowledges all records of the service provider are certified, documented and correct for him/her, and the Customer also agrees to consider the electronic record that is saved and extracted from the service provider systems are approved in case of disputes. Furthermore, the Customer releases the Service Provider from responsibility related to such transactions.
  43. The Customer agrees to the daily/ weekly/ monthly maximum and minimum limits of transactions as decided by the Service Provider at its own discretion and/ or as adjusted later by increase or decrease without the need for notifying the Customer in advance.
  44. The Customer agrees that the Service Provider has the right to adjust the fees and commission for issuing, renewing and/ or using the Cards at any time of its choice and for any reason that the Service Provider deems appropriate at its own discretion upon notifying the Customer in the way the Company deems appropriate, which includes but not limited to (through publishing them on Company's website, publications, newspapers, SMS). The Customer further warrants his/ her compliance with those fees and commissions , after they have been modified, and further agrees that in case of using the Service(s) after any modifications or changes to the fees and commission the same shall serve as an acceptance and consent by him/ her thereto.
  45. The Customer hereby absolutely and irrevocably authorizes the Service Provider to debit the Electronic Wallet account all amounts withdrawn using the Card in addition to any commissions or charges that may arise from the issue or use thereof.
  46. Where the Company provides Electronic Money transfer services through ClIQ system, which allows transferring money from Customer’s Electronic Wallet account to other accounts, whether inside or outside Company systems. Thus, the Customer accepts and acknowledges the following:
    1. The Customer knows and accepts that his/her information (name/account number / name of his/her service provider) will be shown to the initiator of the transfer on other payment channels of other participants on CLIQ system. This means that when a third party enter Customer’s Electronic Wallet account number / mobile number/Alias for the purposes of transferring money, whether through Company’s system or any other systems, Customer’s full name/Electronic Wallet number will be shown to others for the purposes of confirming the transfer to be sent. Accordingly, Customer accepts and authorizes the Company to disclose his/her full name/account number and to show it to others when requesting a to transfer money to his/her Electronic Wallet account without the need to obtain Customer approval for each transaction or notify the customer of such.
    2. The Customer agrees and authorizes the Company to disclose and show Customer full name when any third-party transfers money to Customer Electronic Wallet account, whether the query and/or transfer process is done to Customer using his/her mobile phone number or his/her (Alias) and without the need to obtain Customer approval for each transaction and/or inquiry and without the need to notify the customer of such.
    3. The Customer agrees and authorizes the Company to disclose and send his/HER data and information, as it will be updated from time to time, to Jordan Payment and Clearing Company "JOPACC", in addition to exchanging data and information of Customer’s Electronic Wallet with other electronic payment companies and banks that participate in implementing and processing transfer operations through CLIQ system.
  47. The Customer agrees that the Service Provider is not responsible if the Card is not accepted by third parties. Any dispute arising between the Customer and third parties shall not affect the rights the Service Provides againts the Customer as to settling the liabilities arising from the use of the Card and/ or relating thereto. Moreover, the Service Provider assumes not responsibility for any defect or shortage of goods and/ or services that the Customer obtains using the Card.
  48. The Customer agrees that this Contract shall be governed by and construed in accordance with the Hashemite kingdom of Jordan laws and the courts of the Palace of Justice in Jordan are the courts of competent jurisdiction in the event of any dispute relating to these terms and conditions and Services.
  49. The Customer acknowledges that he/she has agreed to deal with the company by electronic means and that his acceptance of these Terms and Conditions electronically has the power of the traditional signature in proof and that the data extracted from the Company's technical systems is the acceptable evidence in any dispute.
  50. The Customer acknowledges that the Company / Service Provider owns all copyrights, trademarks and intellectual property rights used as par of the Service/ Services and contained in the documents of the Company / Service provider.
  51. These terms and conditions are drafted in both Arabic and English, and in case of any conflict between the Arabic and English copy, the Arabic copy will be deemed binding.