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Terms & Conditions

  1. General 

    These terms and conditions will form an agreement (the “Agreement”) between you (“you”), the customer, and us, Ooredoo Financial Services LLC (“Ooredoo Money”, “OM”, “us” or “we”), upon successful completion of your registration as a Wallet Account Holder. 

    This Agreement shall be read with Ooredoo’s General Terms and Conditions which may be found on our website at  (the “Website”), and applies to your use of the Ooredoo Money service as described below. Please read this Agreement carefully. 
  2. Definitions 

    Airtime” means in the case of HALA customers only, the balance on your SIM card for use with other Ooredoo products and services. 
    "Available Balance" means the amount of E-money in your Wallet Account at any time.

    Call Centre” means the Ooredoo call centre that can be contacted by phone at 111. The Call Centre will be open 24 hours a day, seven days a week and 365 days a year.

    Commercially Reasonable Efforts” means the carrying out of obligations or tasks by a party in a sustained manner using good faith commercially reasonable and diligent efforts, which efforts shall be consistent with the exercise of prudent business judgment.

    E- money” means money in any particular currency recorded electronically in the Wallet Management System that has the same value as cash in the designated currency.

    Equipment” means your mobile phone and SIM card used to effect transactions on OM. 
    Force Majeure” includes without limitation acts of God, default or failure of a third party, natural causes (such as severe weather, storms, hurricanes, typhoons, tsunamis, earthquakes, lightning, floods, widespread fires or any other natural disaster), epidemics of infectious diseases, war (whether declared or not), riots, industrial action, civil unrest, acts of terrorism, rebellion, revolution, insurrection, military or usurped power or confiscation, blockage, embargo, labor dispute, strike, lockout or interruption or failure of electricity, equipment failure including your Equipment or the equipment of any third party, computer or software malfunction, interruption or disruption of our Network or the networks of other service providers, nationalization, governmental action or any act or decision made by a court of competent jurisdiction.

    HALA” means a Ooredoo prepaid product offered to customers.


    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 Money app.

    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 Service

    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, 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.


  1. Commencement Date 

    The Service will begin from the date of approval of your registration and remain effective, unless terminated in accordance with this Agreement.
  2. Minimum Age Requirement

    By subscribing to the Service you confirm that you are at least 18 years old.
  3. The Service

    You may use the Service to carry out the following transactions (“Transactions”) using your Equipment:
    (a) Send E-money to another customer’s OM account in Qatar.

    (b) Send E-money to a bank account in Qatar.

    (c) Remit E-money to any person at a Permitted Destination.

    (d) Purchase Airtime or use other Ooredoo services using E-money.

    (e) Make cash deposits from any Ooredoo Outlet or authorized third party locations. Authorized locations can be seen at

    (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 .

  1. Registration and Use of Wallet Account 

    (a) To access the Service, you must register at any Ooredoo Agent or authorized   third party locations by filling in an application form and opening an OM account by presenting a valid Qatari identity card or Qatari expatriate identification card. Registration can be done with a passport and valid work visa for a limited time period after which wallet should be updated with QID. We may refuse your application for any reason.

    (b) Upon registration, you will enter a four digit combination as your mPIN. Please take all necessary security measures to protect your mPIN and do not use your phone number or date of birth as your mPIN. Please change your mPIN frequently. You will be responsible for its security by keeping the mPIN confidential at all times. We recommend you commit it to memory. In addition, never share OTP password received for login through the app or any other transaction with anybody as it is used to perform financial transactions.

    (c) If access to the Service is made by any third party by use of your mPIN, OTP Touch/Face ID or finger print authentication with or without your authorisation, we shall consider that the Service has been accessed properly and the transaction conducted is valid.

    (d) If a wrong mPIN is entered more than three times, the Wallet Account of that Wallet Account Holder will be automatically suspended temporarily. Should you wish to reactivate the Service, you should contact the Call Centre or reset the mPin through USSD or app by providing necessary verification

    (e) Once your application has been accepted and you have successfully registered, you may use the Wallet Account as follows:

    (i) To buy E-money from any Ooredoo Outlet or Third party locations. 

    (ii) E-money may be sent to your Wallet Account by your employer or any other person. 

    (iii) You may transfer E-money to your Wallet Account by sending funds from your bank account.  

    (iv) With an Available Balance you may carry out Transactions. 

    (v) A Transaction will not take place if you have insufficient E-money in your Wallet Account to cover the amount of E-money you want to send and related charges. We will notify you that the transaction will not take place in such circumstances.

    (vi) A Transaction that exceeds the Transaction Limits will not take place.

    (vii) We carry out identity and security checks when we receive your Transfer Instructions and may refuse any transaction if we are not satisfied with the results of our checks.

    (viii) We will confirm all successful Transactions sent or received by sending you an SMS with your new Wallet Account balance with a special number – these numbers are used to identify all transactions carried out in your Wallet Account.

    (f) Upon the successful registration of your wallet accounts you will be registered with Qatar Mobile Payment (QMP), Qatar Central Bank system.

  2. Undertakings 

    You undertake and agree as follows: 

    (a) The information that you provided to us for the purpose of registration for the Service is and will be true and correct.  

    (b) You will provide any additional information that we may request from time to time relating to your registration, failing which we may suspend or terminate the Service. 

    (c) The information provided by you may be held on a database and we may use, store, analyse and transfer or exchange such information with all such persons as may be considered necessary by us without reference to you. You agree that your information may be treated in such manner by us. You agree to opt-in for Ooredoo and Ooredoo partner-related marketing and advertising. You may opt-out of this feature at any time: see our website at 

    (d) You will comply with the terms and conditions of this Agreement. 

    (e) You will comply with all applicable laws, statutes, rules, regulations, notices, instructions or directives of the relevant authorities or any notices, instructions, directives or guidelines given by us in connection with the Service by publication on the Website or through the media. 

    (f) You have not fraudulently register with us for use of the Service. If we discover that you are impersonating another customer, whether an individual or another legal entity, you shall be responsible for any liability that may arise as a result of such fraudulent activity. Abusing the Service may result in its immediate termination or suspension and we shall notify the relevant authorities promptly of such abuse. 

    (g) You shall not use the Service for any illegal activity under applicable laws. 

    (h) You will comply with the Transaction Limits applicable to any Transaction from time to time. The information is available at

    (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.

  1. Exchange Rate & Interest 

    (a) The remittance of money outside Qatar to a beneficiary’s account will be subject to the prevailing exchange rate as determined by us. 

    (b) We will not pay interest on any E-money held in your Wallet Account.
  2. Disclaimers 

    (a) The Service is provided on an “as is” basis without any representations of any kind, whether express or implied as permitted by law. Your use of the Service is at your own risk. 

    (b) We will use Commercially Reasonable Efforts to ensure that the Service is secure and cannot be accessed by unauthorized third parties. 

    (c) We shall not be liable or responsible to you or to any third parties for any losses, damages, costs or expenses suffered by such person(s) arising out of or in connection with the rejection of your application or its non-acceptance or use, withdrawal, restriction, cancellation or termination of the Service resulting from or in consequence of any act or omission by us, except in the case of our wilful misconduct or gross negligence. 

    (d) We shall not be responsible for any Transactions carried out by you through the Service. We will use our Commercially Reasonable Efforts to assist you with any error or mistake made in effecting any Transaction. However, any dispute between you and the transacting party must be resolved by you and such party. 

    (e) We shall not be liable for acting on a confirmation sent by you together with your mPIN , OTP Touch/Face ID or finger print authentication. Such confirmation shall be deemed irrevocable and binding on you upon receipt by us, notwithstanding any error, fraud, forgery, negligence, lack of clarity or misunderstanding in respect of the terms of such confirmation. 

    (f) Apart from liability that we cannot exclude by law, we will not be liable for any losses you suffer as a result of using the Service, including losses arising from (i) an error or mistake you have made in your transfer instructions, (ii) any fraud committed by another OM customer or third party (iii) any delays or losses arising from a failure of the Network, and (iv) our inability to provide the Service due to Force Majeure or other events beyond our reasonable control.
  3. Validity and Access to Information 

    (a) We shall make available online information with respect to Transactions carried out by you. This information may be accessed through our channels (Ooredoo Money App, USSD by dialling *140# or SSM) to get statements for limited number of transactions. You may also request such information by visiting Ooredoo outlets or by contacting the Call Centre to get comprehensive list of transactions. 

    (b) Information relating to your use of the Service, your name and other personal information may be made available to QNB, QCB, our other partners, other regulatory or governmental agencies or other third parties to enable us to open or manage your Wallet Account or to prevent or detect crime or as otherwise required by law. You agree to the use of your personal information by us in this manner. This clause will survive the termination or expiry of this Agreement.
  4. Disputes 

    (a) Any disputes regarding billing or any Transaction(s) conducted using the Service must be notified to the Call Centre within three (3) months from the date of such transaction(s). You shall furnish us with all necessary supporting documents at the time of notifying the dispute or when requested by us. If we do not receive written notice within three (3) months, you are deemed to have agreed that the bills and Transactions are accurate and you will have to pay the amount as billed for using the Service. If there is a dispute regarding the amount in any bill, you will promptly pay any outstanding amount which is not in dispute. If the dispute is resolved in our favour, you will pay the disputed amount immediately plus any interest due on any late payment, and any legal costs and collection expenses incurred by using connection with the dispute or late payment.  

    (b) You agree and consent to the disclosure and release by us of any information in our possession relating to you, particulars of transaction(s) or any designated account relating to the Transaction(s) for the purpose of investigating any claim or dispute arising out of or in connection with the Transaction(s) relating to the Service. Your consent shall survive the termination of the Service. 

    (c) You agree that in the event of a dispute or claim of any nature arising in respect of any transaction, the records of the transaction(s) available from us will be used as a reference and shall be the sole basis for settling such dispute or claim. 

    (d) All disputes arising under this Agreement will be resolved by us within five days with your cooperation.  

    (e) This clause 11 will survive the expiry or termination of this Agreement.  
  5. Fees and Charges 

    (a) You will pay prevailing fees and charges relating to Transactions carried out using the Service. The applicable fees and charges shall be based on our prevailing rates as set forth on the Website at, and will be available from any Ooredoo Outlet or published from time to time in the media. 

    (b) Charges will be automatically deducted from your Wallet Account at the time any Transactions are carried out, or charges for non-transaction fees will be deducted as and when they become applicable. 

    (c) You can review recent activity in your Wallet Account by requesting this information from the Call Centre or any Ooredoo Outlet.
  6. Fraudulent Use or Lost or Stolen Equipment 

    (a) You will not tamper or allow anyone to tamper with your Equipment or the Service. 

    (b) You must immediately notify the Call Centre and report to the Police any loss, fraud, suspected fraud, dishonest use or theft of your Equipment or illegal use of your Wallet Account. You will be liable for all charges incurred in relation to the lost or stolen Equipment or fraudulent use of the Service until we receive notification from you or disconnection of the Service. 

    (c) Notwithstanding the above, we may reject payment in respect of any Transaction if the Service is suspected to have been fraudulently used or tampered with. 

    (d) Ooredoo may enforce a change in your mPIN, if we determine that your Wallet Account has been compromised. (e) We shall not be liable for any loss or damage suffered, if any, by you as a result of any of the circumstances described in this Clause 13.
  7. Termination and Suspension 

    (a) We may immediately terminate, suspend or impose conditions or restrictions on you in respect of the use of the Service or change the procedures or mode of operation of the Service without giving any reason or notice. 

    (b) You may request us to end this Agreement or terminate the Service by visiting an Ooredoo outlet. The Service will be assumed to be terminated on receipt of your notification to us. 

    (c) Notwithstanding Clause 14(a), we reserve the right at any time, to immediately suspend or terminate your use of the Service or this Agreement for any reason, including but not limited to, the following circumstances: 

    (i) If in our opinion, you have indulged in any dishonest, fraudulent, illegal or criminal conduct or misrepresentation relating to the Service.

    (ii) You are in breach of any of the provisions of this Agreement or have engaged in any conduct prejudicial to us.

    (iii) You have submitted false documents or have declared false information during your application for the Service.

    (iv) your SIM card is no longer operational or is cancelled.

    (v) we cannot provide the Service to you. 

    (vi) Where your allocated mobile number has been ported to another network operator, you have failed to pay any outstanding amounts which are due and payable to Ooredoo under this Agreement or any other agreement which you may have with Ooredoo in respect of that mobile number. 

    (d) Without in anyway limiting our termination and suspension provisions set out in this Clause 14, we also reserve our rights at any time to terminate your use of the Service or the Agreement in the event there is no activity or Transactions on your Wallet Account for 12 (twelve) consecutive months or more. In addition to this, if there has been no activity or Transactions on your Wallet Account for a consecutive 6 (six) month period, we will mark your Wallet Account as dormant. In order to re-activate your Wallet Account, you will need to comply with Ooredoo’s re-activation process by contacting Ooredoo call centre or visiting Ooredoo Shops.

    (e) We will make reasonable efforts to inform you if we have terminated this Agreement or the Service to you.

    (f) QCB regulations will apply to any funds left in your Wallet Account after this Agreement has ended. 

    (g) Subject to this Agreement, termination of the Service will result in automatic closure of your Wallet Account. Termination of the Services by us in accordance with this clause 14 does not in any way limit our rights to recover or charge you for any of the Fees and Charges payable by you such as the annual fees and charges in accordance with section 12 of this Agreement.

    (h) Unless this Agreement is terminated for suspected illegal activity, subject to Clause 15(a) and any applicable QCB regulations, you will be entitled to recover any E-money left in your Account on termination of this Agreement by presenting your identification papers at any Ooredoo Outlet.

    (i) This Agreement may be terminated due to Force Majeure as set forth in Clause 18. 
  8. Consequences of Termination or Suspension 

    (a) Upon termination of this Agreement there will be an automatic closure of your Wallet Account, the remaining amount in the Available Balance will be refunded to you after the deduction of administration fees and charges specified by Ooredoo.  

    (b) Upon suspension, we may reconnect the Service subject to a reconnection fee and the payment of all outstanding amounts due to us or any other amounts as required by us for reconnection of the Service. 

    (c) The provisions of this Clause 15 are without prejudice to any of our other rights and remedies under this Agreement or applicable law. 

    (d) If you have E-money left in your Wallet Account for ten years following termination of this Agreement, and we have not been able to return this amount to you, we will transfer it to the relevant authorities in Qatar. 

    (e) If your Wallet Account becomes inactive due to a suspension of your SIM card, you may reactivate your Wallet Account at any time, as long as the SIM is also reactivated as required.

    (f) If a SIM card for any Wallet Account is either transferred to another telecom operator or became inactive for a continuous period of 12 (twelve) consecutive months, the funds held in that Wallet Account will be transferred immediately to a sub-pool account. If your Wallet Account became inactive, you may reactivate your Wallet Account after we determine your eligibility status to use the service otherwise you will be entitled to retrieve the value of your E-money transferred to the sub-pool account at any time subject to payment of the monthly maintenance fee or other relevant charges. The funds will be disposed of in the manner set forth in Clause 15(d) if not retrieved.

    (g) This Clause 15 will survive the expiry or termination of this Agreement. 
  9. Amendment of this Agreement 

    Except as otherwise provided in this Agreement, we reserve the right to amend this Agreement and update it from time to time.
  10. Compliance 

    You agree that you will comply with this Agreement and other documents provided to you in relation to the Service. To the extent permitted by law, we shall not be liable to you for any costs, loss or damage (whether direct or indirect), or for loss of revenue, loss of profits or any consequential loss whatsoever suffered or incurred by you or any other person as a result of you using the Service or for any other reason.
  11. Force Majeure 

    We may not be able to perform our obligations under this Agreement due to events beyond our reasonable control including Force Majeure. Force Majeure events shall mean but shall not be limited to; acts of God, terrorist acts, shortage of supply, breakdowns or malfunction, interruptions or malfunctions of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems, labour difficulties, war, or civil unrest. If Force Majeure continues for more than one (1) month, we shall be entitled to terminate this Agreement.
  12. Governing Law and Dispute Resolution 

    (a) The courts of the State of Qatar are exclusively competent to adjudicate any dispute that may arise regarding the implementation of this Agreement or the interpretation of any of its terms and conditions, and the provisions of Qatar laws are applied in this regard. 

    (b) If there are any inconsistencies between the Arabic text and the English text of this Agreement, the Arabic text will prevail 
  13. Severability 

    If any of the provisions of this Agreement is deemed to be invalid, illegal or unenforceable under any applicable law, the legality and enforceability of the remaining provisions of this Agreement shall not be affected or impaired in any way and such invalid, illegal or unenforceable provision shall be deemed deleted.
  14. Miscellaneous 

    (a) You can contact us at any time by calling the Call Centre or you may visit the Website for additional information relating to the Service. 

    (b) We may contact you by text or call you during any reasonable day or hour. 

    (c) You agree that we can process instructions given to us by you by phone without written confirmation. In such case we will carry out security and identity checks by asking you certain questions. You agree if these questions are answered correctly we may change the Wallet Account or give out your Wallet Account Holder Information. 

    (d) We may monitor and record how you use the Service for our internal purposes and for preventing and detecting crime.
  15. Location of Customer Records 

    Customer records relating to the Wallet Management System and our transactional platform will be held in Dubai, United Arab Emirates. 

  16. Survival 

    The provisions of this Agreement which by their nature or express terms are intended to survive expiry or termination of this Agreement will survive expiry or termination, including Clauses 7(l) and (m), 9(c), 9(e) and (f), 10(b), 11, 13(b) and (e), 15, 17, 19 and 20. 

    * * * * * 

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 

  1. Please furnish the correct beneficiary name, account number, bank branch and mobile number of both the remitter and beneficiary when registering the beneficiary details by accessing the Ooredoo Mobile App.


  1. The remitter/customer must be registered with Ooredoo Money service to be able to send remittance.



  1. If the remittance is returned due to incorrect details, EXCHANGE HOUSE will not take any responsibility and remitter will have to bear additional charges, if any, for resending the remittance. In case of a refund, the prevailing buying rate of EXCHANGE HOUSE will be applicable.


  1. EXCHANGE HOUSE will not be responsible for any delay in remittance arising out of acts beyond our control such as, but not limited to, telecommunication breakdown, natural disaster etc.


  1. The remitter/customer should ensure that beneficiary details mentioned are correct, transaction details are verified before confirmation and an electronic receipt is received for every remittance made.


  1. For the avoidance of doubt, transfer fees shall not be refunded after the transaction has been processed by EXCHANGE HOUSE.


  1. Exchange House hereby confirms that the money involved in the transfer has not been used for illegal purposes and criminal activities, such as but not limited to, money laundering, terrorist financing or fraud.


  1. Exchange House shall assist Ooredoo Money in the discharge of our anti-money laundering, security validation and verification responsibilities by promptly providing all required information, as we may be requested in connection with the transaction.