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Login Credentials" or "Credentials" means the Customer wallet number,
mPIN, Touch/Face ID, finger print authentication, One-Time Password (OTP)
and any other credentials that the Customer may use to securely access, or
any other means as may be decided by Ooredoo Money from time to time, to be
used by the Customer to authenticate himself prior to accessing the service
on Ooredoo Money app or USSD *140#.
“MoneyGram” means MoneyGram Payment Systems, Inc..
“mPIN” means your four digit personal identification
number used to log on to the Service.
“Network” means the mobile telecommunications network
operated by us in Qatar.
“OM” or the “Service” means the
service we provide to you through which you may carry out Transactions as
described in this Agreement.
“Ooredoo Agent” means a retail outlet, store or other location where you can sign up for the Service as listed on the Website.
“Ooredoo Outlet” means a retail Outlet, store or other location listed on our Website where you can load E-money into your Wallet Account or withdraw E-money from your Wallet Account in Qatari Riyals.
“Ooredoo Merchants” means any location that accepts E-money as payment for goods and services as listed on the Website.
“OTP” means one time password, which you receive in an SMS on registered mobile number for login or to confirm a transaction for Ooredoo Money Wallet.
“Permitted Destination” means any country to which you
may send money using the Service - these countries are available at Ooredoo
“Qatar” means the State of Qatar.
“Qatar Central Bank” or “QCB” means the central bank of Qatar.
“Qatari Riyals” means lawful currency of Qatar.
“QNB” means Qatar National Bank, a shareholding company incorporated under the laws of Qatar.
“SIM card” means a secured subscriber identity module
card that enables a Wallet Account Holder to access the Service and other
services provided by Ooredoo.
“SMS” means short message service or text message sent to your phone.
“Third Party Merchant “ means any location that accept
“Transactions” has the meaning set forth in Clause 5.
“Transaction Limits” means the limits in Qatari Riyals applicable to transactions that you can carry out using the Service, in each day or each month that are set forth on our Website at https://www.ooredoo.qa/portal/OoredooQatar/tariff-guide, or are available from any Ooredoo Outlet.
“Transfer Instructions” means instructions using the Service to carry out Transactions using your Equipment.
“Wallet Account” means your account maintained by Ooredoo which records the amount of E-money you have.
“Wallet Account Holder” means the holder of the mobile money Wallet Account.
“Wallet Account Holder Information” means any information associated with the mobile money Wallet Account Holder relating to its use of the System.
“Wallet Management System” or the “System” means the OM ecosystem operated by Ooredoo in which all Wallet Account balances and transactions of Wallet Account Holders are recorded.
(f) Make Cash withdrawals from any Ooredoo Outlet or QNB ATM
(g) Purchase goods and services from Ooredoo Merchants or those who are
authorized to accept Ooredoo Money as a payment option
(h) Load E-money into your Wallet Account direct from your bank account.
(i) Remit E-money as a part of exchange houses money transfer in accordance with Clause 24 below.
You authorize us to process your Transfer Instructions confirmed with your mPIN, OTP, Face ID or finger print authentication made at any Ooredoo Outlet, Ooredoo Merchant or Third Party Merchants.
OM’s regulated financial services are powered by QNB. QNB is regulated by QCB.
QNB holds all Wallet Account balances in a special pool account in Qatar for the benefit of all Wallet Account Holders.
Your E-money is different from Airtime. You cannot use your airtime as E-money to enter into a transaction.
You may use the Service while travelling outside Qatar in which case roaming charges will apply. These are listed on our Website at http://www.ooredoo.qa .
(i) All records of Transactions relating to your mPIN, Touch/Face ID or
fingerprint authentication will be binding on you and act as conclusive
evidence of your registration for the Service.
(j) You shall be responsible for all your Transactions. Upon request by you, Ooredoo shall provide you with online or paper statements of your Wallet Account. You may request such paper statement either by contacting the Call Centre or by visiting an Ooredoo Outlet.
(k) The use of the Service is subject to such other terms, conditions, rules and regulations as specified by QCB or any other regulatory or governmental authority from time to time.
(l) Subject to Clause 7(r) below, the Service is not transferable or assignable to any third party. We shall not be liable for any costs, loss or damage (whether direct or indirect), or for loss of revenue, loss of profits or any consequential loss as a result of your transferring or assigning the Service to any third party.
(m) The Wallet Account cannot be pledged or used in any manner by you as any form of security in favor of any third party for any purpose. We shall not be liable for any costs, loss or damage (whether direct or indirect), or for loss of revenue, loss of profits or any consequential loss as a result of your using the Service as a form of security.
(n) You will be responsible for checking and verifying all Transactions including, without limitation, the amount and recipient information. We shall not be obliged to reverse any transactions or wrongful entries as a result of your error or mistake.
(o) You will immediately notify Ooredoo upon receipt of incomplete or inaccurate data or information or any data which is not intended for you. You shall delete such data or information from your Equipment.
(p) You will use your Wallet Account only for personal use and not for any commercial business, whether directly or indirectly. If we determine that you have violated this undertaking, we will close your account(s) in accordance with the instructions of QCB and the Qatari Ministry of Economy and Commerce.
(q) You are the only person entitled to E-money in the Wallet Account.
(r) You may have up to a maximum of five (5) OM accounts in respect of which five (5) SIM cards at any time will be issued to you under your identification number, provided all your accounts shall be collectively subject to Transaction Limits for one account.
MoneyGram money transfer service
(a) The MoneyGram® money transfer service (“Service”) is provided by MoneyGram Payment Systems, Inc., (“we” or “us”) to Ooredoo Financial Services LLC (OFS) (“Partner”). These Terms and Conditions, along with the Documentation (as defined in Section 1.3 below) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (“Agreement”) between OFS with you, the individual sender of the Service (“you” or “Sender”).
(b) This Agreement and the Service allow you to send a money transfer (a “Transfer”) to the person registered with Ooredoo Money App (the “Recipient“) and allows them (i) to collect in cash at a MoneyGram location (our “cash to cash” service); or (ii) to receive into their bank account or mobile wallet account (our “cash to account” service). These terms and conditions apply to both services, except where we say they apply to only one of them.
(c) By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii)have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate.
(d) For cash to cash Transfers, you can send money to a different “receive country”. The Recipient can only collect the money in the receive country stated in the application. Once the partner has processed this transfer, the Recipient can collect the money at any MoneyGram location in the receive country within minutes (during opening hours) in cash, in the currency stated in the application unless condition 2.2 below applies. We will not contact the Recipient when the money is ready to collect, so this is something you will need to do.
(e) We do not offer the Service in all countries. You can call 111 to reach out to OFS to find out the availability of our Service, and addresses and opening times of locations offering the Service.
(a) You must pay the fee stated in the application. We will not charge you any other fee for the Transfer. You can only send money in a certain currency or currencies. Your chosen currency, the agreed exchange rate and the converted amount will be stated in the application.
(b) For cash to cash Transfers to certain countries: (i) if the Transfer amount is stated in U.S. Dollars, and the Recipient’s Agent does not pay out in that currency, they will convert the money into the local currency using either their or MoneyGram’s standard exchange rate; (ii) if the money (whatever foreign currency it is sent in) is not collected within 45 days, the Recipient’s Agent may recalculate the converted amount at the time of collection, using their or MoneyGram’s standard exchange rate.
There are send limits set by OFS on the amount you are able to send. OFS will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.
You do not have a right to cancel the Transfer . We may nevertheless be able to cancel it before the Recipient collects or receives the money. If you wish to cancel the Transfer and request a refund of the Transfer amount, you will need to contact 111 at OFS. We aim to process such requests promptly but in any case, within 30 days.
If you ask us to make a Transfer to be collected in cash and the Transfer amount has not been collected within 90 days, we will treat the Transfer as no longer capable of execution (an “Expired Transfer”). We will have no obligation, after that 90-day period, to execute an Expired Transfer. If an Expired Transfer occurs, you will be entitled to a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected please contact OFS at 111 for a refund.
(a) In order to collect the money and complete a Transfer, the following must be provided: (i) Identification; (ii) the recipient’s details;(iii) the Sender’s name; (iv) the Transfer amount; and (v) the 8-digit reference number.
(b) We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the receiving Agent describing such person as the Receiver (even if such identification was false or forged) and provides a Reference Number. You must not give the details referred to in condition 6.1 to anyone other than your chosen Recipient. You must also do all you reasonably can to make sure no one else can obtain them - for example, by (i) not letting anyone see the remittance receipt; (ii) not writing down the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient the reference number; and (iii) not trusting a person (other than the Recipient) who tries to assure you it is safe to disclose some or all of those details to them.
Exchange House Money Transfer Service