BenefitPay

MEEM MOBILE CARD TERMS AND CONDITIONS (“Mobile Card Terms and Conditions”)

These Mobile Card Terms and Conditions supplement the General Terms and the Credit Card Terms and, together, they govern your Mobile Card. If there is any inconsistency between the provisions of these Mobile Card Terms and Conditions and the provisions of the General Terms and the Credit Card Terms, the provisions of these Mobile Terms and Conditions will take precedence over any other terms between us and you in relation to your Mobile Card.

These Mobile Card Terms and Conditions apply when you add your meem Debit Card and/or your Credit Card to a Mobile Wallet of your Eligible Device. The General Terms and the Credit Card Terms also apply to your Mobile Card. References in the General Terms to “Debit Card” and references in the Credit Card Terms to “Credit Card” include your Mobile Card.

1. Definitions:

In these Mobile Card Terms and Conditions, the following definitions apply:

Device Passcode means the passcode you use to access your Eligible Device;

Eligible Device means a smartphone, tablet or other device (as designated by us from time to time) with Mobile Wallet functionality (i.e. allowing a Mobile Card to be registered and stored);

Mobile Card means a digital version of your meem debit card or credit card which you store in the Mobile Wallet of your Eligible Device;

Mobile Card Transaction means any transaction effected by your mobile Card;

Mobile Wallet means a wallet application provided by a Mobile Wallet Provider, installed in an Eligible Device in which your Mobile Card is stored;

Mobile Wallet Provider means the provider of the Mobile Wallet in your Eligible Device; and

Meem or GIB means Gulf International Bank B.S.C.

2. Scope of the Mobile Card Terms and Conditions

You may need to agree separate terms with the Mobile Wallet Provider, which govern the registration and storage of your meem Debit and/or Credit Card and the use of the Mobile Wallet (including the use of any data you provide to the Mobile Wallet Provider). Those separate terms you agree with the Mobile Wallet Provider will not change or override these Mobile Card Terms and Conditions, the General Terms and the Credit Card Terms,

3. Registration

(a) You are eligible to add a digital version of a Mobile Card in your Mobile Wallet if your Account is in good standing (as determined by Meem).

(b) Prior to adding the Mobile Card in the Mobile Wallet, the physical Debit or Credit Card must have been activated.

(c) You may add a Mobile Card in your Mobile Wallet by following the instructions of the Mobile Wallet Provider. You acknowledge that the Mobile Wallet Provider has the right to decline the addition of your Mobile Card or to suspend, delete or reactivate a Mobile Card added in the Mobile Wallet. We shall not be liable if you are unable to add a Debit or Credit Card on a Mobile Wallet for any reason.

(d) By registering a Mobile Card in your Mobile Wallet, you consent to us sending you an SMS or an email on your mobile number or email registered with us for verification and activation purposes. For Supplementary Card registration, the SMS message or email will be sent to the mobile number or email registered with us. If we do not have a record of your mobile number or email address, we will not be able to send an SMS or email to you. In such a scenario, you will need to call us on the number displayed in the verification screen and follow the required steps to verify and activate the Mobile Card.

(e) The Mobile Wallet Provider may limit the number of Mobile Cards that you may add in one Mobile Wallet from time to time. We may limit the number of Eligible Devices in which the same Debit or Credit Card can be added from time to time and you should refer to our latest communications regarding such limit. Please see Clause 13 regarding how we communicate with you.

4. Use of the Mobile Card

(a) You may make and authorize transactions with your Mobile Card where Mobile Wallet is accepted for payment.

(b) We will not be responsible to you if any retailer refuses to accept your Mobile Card.

(c) Near Field Communication (NFC) technology service may be made available on the Client’s card by passing the Card on the relevant terminal depending on the operability of NFC services. The service is used to execute e-payments within the limit approved by the Bank without entering a PIN code. NFC transactions made through Wallet within the borders of the Kingdom of Bahrain are subject to the business rules of Benefit. Transactions made outside Bahrain – except for GCCNET operating territories where there is a bilateral link between switches will be following the international scheme rules and regulations of these territories.

(d) Subject to the provision of Quick Response (QR) scanning technology by the Mobile Wallet Provider and the service provider of the payee, you can process payments by scanning the QR Code using the Mobile Wallet Provider’s application. By making a QR Transaction, you agree to be bound by these Mobile Card terms and Conditions as supplemented by and read together with the General Terms and the terms of the Mobile Wallet Provider.

(e) You cannot use your Mobile Card for cash withdrawals or cash advance.

(f) You will not be able to use your Mobile Card for purchases which exceed a certain amount. You should refer to our latest communication regarding eligible amounts. The limit per transaction may vary from country to country. Please see Clause 13 regarding how we communicate with you.

(g) Online purchase service is available on the Card. The Client acknowledges awareness of; and responsibility for, risks associated with executing online transactions and accepts all procedures applied by the Bank on the Card/account to complete such transactions.

5. Card Account

(a) Your physical meem Debit or Credit Card and in its digital version (i.e. Mobile Card) constitute one and the same card and share the same Account.

(b) All Mobile Card Transactions will be billed to the same statement of the physical Debit and/or Credit Card. You will not receive a separate statement for your Mobile Card transactions.

6. Acknowledgment of risk and your responsibility

(a) You acknowledge and accept the risk of incurring any loss which may arise from or in connection with unauthorized transactions made on your Mobile Card. You undertake to be liable for all transactions incurred using the Mobile Card whether or not the transactions were properly authorized by you. It is your responsibility to take security measures to protect the use of your Mobile Card, Mobile Wallet and Eligible Device. We recommend you consider the following:

i. take all precautions to keep Debit and/or Credit Card details and security details relating to your Mobile Card, Mobile Wallet and Eligible Device (including your Device Passcode, fingerprint and/or any other biometric credentials stored in your Eligible Device and/or any cloud storage platform) safe and to prevent loss, theft or fraudulent use;

ii. always safeguard your Mobile Wallet and Eligible Device and keep them under your personal control;

iii. do not allow anyone else to use or log on to your Eligible Device and Mobile Wallet;

iv. do not store anyone else’s fingerprint or biometric credentials in your Eligible Device;

v. do not choose obvious numbers as Device Passcode (such as date of birth, telephone number, number with same digits or other that can be easily guessed or tell anyone else your Device Passcode or write down or keep your Device Passcode close to your Eligible Device;

vi. do not install or launch Mobile Wallet in a smartphone or other device with any pirated, hacked, fake or unauthorized application or where the software lockdown has been overridden (such as a “Jailbreak” or “rooted” smartphone or device);

vii. change the Device Passcode regularly and use alphanumeric code for Device Passcode;

viii. if you have already set up access to your Eligible Device by way of Device Passcode or fingerprint or other biometric credentials, review this and ensure that you change any Device Passcode that can easily be guessed or that has already been shared with anyone else and delete any fingerprint or other biometric credentials that is not your own;

ix. delete your Mobile Card from the Mobile Wallet before you dispose of your Eligible Device by, for example, selling or giving it to someone else or pass your Eligible Device temporarily to someone else, for example, for it to be repaired;

x. Remove the Mobile Card from the Mobile Wallet upon termination of your Mobile Card as provided in Clause 12.

(b) You are fully responsible for any disclosure of your Debit and/or Credit Card details, Device Passcode or other security details relating to your Eligible Device, Mobile Wallet and Mobile Card to any other person, even if such disclosure is accidental or unauthorized. You are required to bear all risks and consequences of your Mobile Wallet and Mobile Card being used by unauthorized persons or for unauthorized purposes up until you notify us of such unauthorized use.

(c) You must use an Eligible Device of a type or model specified by us from time to time to register, add and use Mobile Card in your Mobile Wallet. We have the right to vary the type or model por withdraw an existing type or model of Eligible Device at any time without prior notice.

(d) You require an internet connection, compatible telecommunications equipment and a mobile phone service plan (if applicable) in order to register, add and use your Mobile Card (except in the circumstances described in clause 6(e) below). You are responsible for any amount which may be charged by your mobile carrier and you agree to be solely responsible for such fees.

(e) An active internet connection may be required to make purchases in-store using your Mobile Card. If you can make in-store purchases without an active internet connection, the number of transactions you will be able to conduct in this manner may be limited, after which you will need to connect to the internet to make additional purchases. Any applicable transaction limit will be displayed on our website or the Mobile Wallet Provider’s website and may change from time to time.

7. Loss, theft or misuse

(a) You must notify us immediately and request that we deactivate your Debit and/or Credit Card by calling our Customer Service Hotline specified on our website www.meem.com if you notice or suspect any loss, theft, unauthorized possession, control or use of your Mobile Card or Eligible Device, or if you believe someone else has used your Mobile Card or Eligible Device, or has discovered the security details of your Eligible Device, Mobile Wallet or Mobile Card or the security of your Debit and/or Credit Card, Mobile Card, Mobile Wallet or Eligible Device has been compromised in any other manner. Please note if your physical Debit and/or Credit Card is deactivated your Mobile Card will also be deactivated.

(b) You will be liable for all unauthorized Mobile Card Transactions made by your Mobile Card before we receive report of loss, theft, disclosure or unauthorized use of your Mobile Card.

(c) If you report loss, theft, disclosure or unauthorized use of your Mobile Card in accordance with this Clause 7, you will not be liable for subsequent unauthorized use unless: (a) you knowingly (whether or not voluntarily) permitted any other person to use your Mobile Wallet or Mobile Card or Eligible Device or (b) you have acted fraudulently or with gross negligence in using or safeguarding your Mobile Wallet, Mobile Card or Eligible Device (without limitation, your failure to follow any of the security measures recommended by us from time to time regarding the use or safekeeping of your Mobile Wallet, Mobile card or Eligible Device may be treated as gross negligence), in which case you will be liable for all Mobile Card Transactions.

8. Limitation of our liability

(a) You acknowledge and accept that the Mobile Wallet is made available to you by the Mobile Wallet Provider on Eligible Devices. We are not the provider of your Mobile Wallet, and therefore we are not responsible for providing the Mobile Wallet service to you. We have no control over the Mobile Wallet platform or your Eligible Device. We are therefore not responsible for any failure of the Mobile Wallet or your Eligible Device, or your inability to use the Mobile Wallet or your Eligible Device for any transaction. We are also not responsible for the performance or non-performance of the Mobile Wallet Provider or any third parties that may impact your use of the Mobile Wallet. We are not responsible for any loss that you may suffer or incur in relation to your use or inability to use your Mobile Wallet (including your Mobile Card).

(b) We are not liable to refund you for any unauthorized transactions where you fail to take appropriate security measures including those provided in Clause 6.

9. Your Personal Data

(a) By registering, adding and using the Mobile Card in your Mobile Wallet, you acknowledge that certain Debit and/or Credit Card account information may be transmitted to and stored within your Eligible Device, SIM card, with the Mobile Wallet provider and/or on the system of a third party working with the Mobile Wallet Provider, for purposes of the Mobile Wallet. Such information may be used by the Mobile Wallet Provider and/or the third party working with the Mobile Wallet Provider. We shall not be responsible and have no control of the privacy and security of your personal data and information provided by you to the Mobile Wallet Provider which is governed by the privacy policy of and any agreement you may have with the Mobile Wallet Provider.

(b) You agree that we and our affiliates may also periodically collect and use technical data and related information, including, but not limited to, technical information about your Device to facilitate updates our services. We and our affiliates may use this information to improve its products or to provide services or technologies to you as long as it is in a form that does not personally identify you.

(c) NFC transactions made through Wallet within the borders of the Kingdom of Bahrain are subject to the business rules of Benefit. Transactions made outside Debit – except for GCCNET operating territories where there is a bilateral link between switches will be following the international scheme rules and regulations of these territories. Any such use shall be subject to applicable privacy and data protection laws of the Kingdom of Bahrain.

10. Third party agreements and support

(a) These Terms of Use are solely between the Bank and the Customer. Third party services including the wireless carrier and other, applications or websites incorporated in the Wallet may have their own third-party agreements. You may become subject to these third-party agreements when you provide such third parties with personal information in order to use their services, visit their applications or websites, or as otherwise governed by the applicable circumstances. We are not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of products or services from any third party.

(b) We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services. If there are any issues or questions with a third party product or service, including issues pertaining to the operation of the Device, please contact the appropriate third party in accordance with that third party's procedures for customer support and assistance.

11. Fees and charges

(a) All applicable profit, fees and charges that apply to your Debit and/or Credit Card will also apply to the Mobile Card.

(b) You will bear all fees, charges and expenses imposed by any mobile phone service provider, telecommunications provider, retailer or the Mobile Wallet Provider for or in relation to your adding, activating or using the Mobile Card or for making transactions using your Mobile Wallet and the Mobile Card.

12. Termination of Mobile Card

(a) You shall follow the instructions of the Mobile Wallet Provider to remove your Mobile Card from the Mobile Wallet should you wish to terminate the Mobile Card. Termination of the Mobile Card will not terminate the physical meem Debit and/or Credit Card unless you also terminate it in accordance with the General Terms or the Credit Card Terms.

(b) If you are a Cardholder, you cannot terminate the Mobile Card of the Supplementary Cardholder without terminating the physical Supplementary Card.

(c) If you are a Mobile Card cardholder, termination of your Mobile Card will not terminate the Mobile Card of your Supplementary Cardholder.

(d) We have the rights to suspend, freeze or terminate your meem Debit and/or Credit Card under the General Terms and the Credit Card Terms. These rights will be extended to your Mobile Card. Your Mobile Card will be suspended, frozen or terminated at the same time if your physical Debit and/or Credit Card is suspended, frozen or terminated under the General Terms and the Credit Card Terms. You agree that we will not be liable to you or any third party for any suspension, freezing or termination of your use of any Debit and/or Credit Card or Mobile Card.

(e) We will also have the right to suspend, freeze or terminate the use of a Mobile Card if your Mobile Wallet has been suspended, frozen or terminated by the Mobile Wallet Provider for any reason, or if you have made a report to us.

(f) Upon termination of Mobile Card whether by you or by us, you must remove the Mobile Card from your Mobile Wallet based on the instructions provided by the Mobile Wallet Provider. You should contact the Mobile Wallet Provider if you have any question on how to remove the Mobile Card or the Mobile Wallet from your Eligible Device.

(g) You are responsible for all Mobile Card Transactions whether or not authorized by you unless and until you have removed the Mobile Card from your Mobile Wallet and Eligible Device upon termination.

(h) Termination of the Mobile Card on its own will not affect the physical Debit and/or Credit Card which will continue to be governed by the General Terms or the Credit Card Terms.

13. Notices

We can provide notices to you concerning these Mobile Card Terms and Conditions and the use of your Mobile Card by posting the materials on our website www.meem.com, through electronic notice given to any electronic mailbox we maintain for you or telephone number you provide to us, or by contacting you at the current address we have on file.

14. Variation of this Addendum

By agreeing to these Mobile Card Terms and Conditions you are agreeing that we may change them at our discretion at any time in line with our General Terms and Credit Card Terms. You will be bound by a variation unless your Mobile Card is terminated by you and removed from the Mobile Wallet and Eligible Device in accordance with Clause 12 before the date on which that variation takes effect. We will use appropriate methods to update you about the changes in accordance with our General Terms.

15. Third party rights

No person other than you and us will have any right to enforce or enjoy the benefit of any of the provisions of these Mobile Card Terms and Conditions.

16. Governing law, jurisdiction and version

The Terms and Conditions are governed by the laws of the Kingdom of Bahrain. Any unresolved dispute arising out of or in connection with these Terms and Conditions, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by in the courts of the Kingdom of Bahrain. These Mobile Card Terms and Conditions are in English and Arabic and the Arabic will prevail in the event of a conflict.

17. General matters

If you have any questions or complaints about your Mobile Card, please visit our website www.meem.com. If your question or complaint is about the Mobile Wallet, please contact the Mobile Wallet Provider using the contact information provided by the Mobile Wallet Provider.