Terms of use Fast Pays

The customer/user acknowledges the validity of the data and information included in the application for electronic services, and the customer bears any responsibility that results in the event that any of these data or information is incorrect.

The application may require the customer/user to provide some personal information and data, such as, but not limited to, name, e-mail, mobile phone number etc., in order to open, register, use or update the account.

The application may ask the customer/user to authenticate the account with some additional information. If the account cannot be verified, the user may be prompted to create a new account.

The customer/user directly authorizes Fast Pays hereby to make any inquiries to verify and authenticate your/account information. This may include asking for more information or documentation about account use, or requiring steps to confirm ownership of an address, e-mail or mobile phone number for example, to verify information against third party databases or through other sources.

The customer/user is solely responsible for the correctness of all data, information and operations that he enters through the application, as he is the only user of the service. He also acknowledges that the instructions, data and transactions that he enters during dealing through the service are dealt with without any additional review from the app, and the company does not bear any responsibility to the customer in the event of an error in any data entered on the app.

With regard to the use of the service, the customer/user may not refuse the following:
• Cooperate in an investigation of an activity that is likely to violate the law or the Terms of Service.
• Verify any information he enters through the application as the sole user of the service.

The app has the right to reject any subscription application submitted by the client, and it also has the right to refuse to implement any instructions, inquiries, transactions or operations received from the client while using the service, provided that the customer is notified of this and informed of the reasons, if possible.

The customer/user has the right to contact customer service through the Fast Pays application [email protected] in the event of an error on the account or for inquiries.

Please note a Fast Pays representative will never ask you for your password, PIN.

Send us at [email protected] as soon as you can if you think an error has occurred in your Account. In order for us to assess the situation, you will need to tell us:

• Your name and Account number.
• Why you believe there is an error, and the EGP (Egyptian pounds) amount involved.
• Approximately when the error took place.

we require that you send us your complaint or question in writing within 7 business days. We will determine whether an error occurred within 7 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 30 days to investigate your complaint or question.

For errors involving new Accounts, as well as point-of-sale transaction, we may take up to 90 days to investigate your complaint of question. We will tell you the results within four business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

Notice: our business days are Sunday through Thursday. Holidays are not included.

Please let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account.

We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above.

An "Unauthorized Transaction" occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions:

• If you give someone access to your Account (e.g. by giving them your login information) and they use your Account without your knowledge or permission.
• If you, or someone else with whom you are acting in concert, act with fraudulent intent.

If we do not complete a transaction to or from your Account on time or in the correct amount according to these Fast Pays Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you have insufficient funds in your Account to complete the transaction.
• If Fast Pays was not working properly and you knew about the breakdown when you started the transaction.
• If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.

• Your balance consists of the funds you have in your Account that are available for new transactions and are not subject to pending transactions “Fast Pays Balance”. You are solely responsible for all funds necessary to complete any payments initiated through the Service. You agree to reimburse Fast Pays for any fees, costs, or expenses it incurs as a result of insufficient or unavailable funds in connection with any payment you initiate through the Service.
• any acceptable method or make any other transfer, you authorize us to debit the required amount from your Account, either in a single or recurring transaction, as applicable.
• Fast Pays may impose limits on the amount you can hold in your Fast Pays balance and reserves the right to change these limits at any time. Funds in your Fast Pays balance may not be available for use in all types of transactions. If you have a restricted account, you may not use your Fast Pays balance to make any payments until the issue is resolved.

• P2P Payments Received Through Fast Pays. You can keep funds received from P2P Payments made to you through Fast Pays in your Fast Pays Balance.
• Access to Funds. Certain funding features may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our Services, unforeseen circumstances, or outages.

You authorize Fast Pays to debit, charge, setoff against and otherwise recover funds from your Account, your Fast Pays Balance, any Balance (as defined in the Payment Terms) or any Reserve (as defined in the Payment Terms) if applicable, and any payment instrument, depository and other account registered in your Account. Your authorization will remain in full force and effect until the later of closure or termination of your Account, or the disbursement of all funds held on your behalf.

Further, in the event that any attempt to recover funds from you should fail, your authorizations hereunder include your grant to Fast Pays of new, original authorizations to recover all or less than all of the amount you owe us or belong to us. You authorize Fast Pays to take the above steps without prior notice to you and irrespective of (i) whether we have made demand under these Fast Pays Terms, the Payment Terms, the General Terms or any other agreement you have with us; and (ii) whether the obligation is contingent, matured or unmatured. Your authorization hereunder includes all authorizations to take the above steps in complete compliance with the Network Rules. You agree that your grant of the authorizations hereunder has the same legal effect as if you had signed a paper containing the same terms.

If Fast Pays is unable to recover the funds by these means, Fast Pays may attempt to contact you or may take other legal actions to collect the amounts due, to the extent allowed by applicable law.

Fast Pays may freeze, withhold, or remit funds in your Account in response to a facially valid subpoena, court order, search warrant, or other binding order from a governmental authority, including but not limited to tax levies or wage garnishment orders.

Fast Pays may limit the funding sources available for a specific transaction at any time in its sole discretion.

You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service and for all communications you send through the Service.

We reserve the right to block, refuse, or reverse any transaction, in our sole discretion. We will notify the affected parties promptly if we decide to do so, but notification is not required if the transaction is prohibited by these terms or applicable law. Neither we nor third parties to whom we assign or delegate rights or responsibilities will be liable for any claims or damages resulting from prohibited transactions. All costs for research and resolution for any misapplied, misposted or misdirected prohibited transactions will be your sole responsibility and not ours.

We will not be liable, for failure to complete transactions in the following circumstances:

• Through no fault of ours, there are insufficient funds in your Fast Pays Account to complete the transaction.
• The information supplied by you is incorrect, incomplete, ambiguous or untimely.
• There is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use.
• We have reason to believe the requested transaction is unauthorized.
• Circumstances beyond our control (such as fire, flood, power failure, strike, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent or delay the completion of the transaction, despite reasonable precautions that we have taken.
• Any other exception stated in our Agreement with you.

We are an independent contractor for all purposes, except that we act as your limited agent with respect to the custody and transfer of your funds for the purposes set forth herein only.

We can terminate or refuse your access to the service at any time, for any reason.