Jordan Kuwait Bank offers a new mobile banking application called “Eli Wallet” which enables bank customers and non-bank customers to self-register for the service, create digital wallets and issue basic and additional prepaid cards in several currencies while these currencies may be subject to change from time to time as the bank deems appropriate.
Jordan Kuwait Bank
the bank’s official working hours for dealing with the public from eight in the morning until three thirty in the afternoon or as determined by the Central Bank from time to time.
the person who benefits from the banking services offered by banks whether having an account with the bank or does not have an account.
a product of Jordan Kuwait Bank that is offered through a banking application that offers the service of creating digital Eli Wallets in different currencies, issuing virtual and/or physical prepaid cards, issuing smart payment bracelets and linking them to the digital Eli Wallet with the possibility of recharging within the limits and commissions set by the bank to enable the holder to make online purchases, Tap and Go contactless payments using a mobile phone on point-of-sale devices and the ATMs that support the Contactless feature without the need to sign the receipt or enter the personal identification number and within the limits set by the bank..
an application offered by Jordan Kuwait Bank which allows customers the ability to create electronic accounts in multiple currencies and issue basic and additional virtual as well as physical prepaid cards.
the website for the Eli Wallet service owned by Jordan Kuwait Bank that provides all information and data regarding the digital Eli Wallet.
the virtual and physical MasterCard prepaid card as well as the Wearable smart payment bracelets issued by Jordan Kuwait Bank linked to the digital wallet and being rechargeable within the limits set by the bank through which or through the digital wallet paying bills, purchasing online, transferring between Eli accounts, purchasing through points of sale and withdrawing through ATMs via NFC and Chip and Pin contactless technology for ATMs and point of sale machines that support the contactless payment feature can be done within the limits set by the bank.
means the card that is automatically created when opening the digital Eli Wallet.
means the plastic card that is issued upon the request of the customer who owns the digital Eli Wallet.
means a prepaid MasterCard issued by Jordan Kuwait Bank that operates via the contactless payment feature and consists of a smart payment chip that is placed in a bracelet designated for that which enables its holder to make contactless Tap and Go payments through point-of-sale devices and ATMs that support the Contactless feature without the need to sign the receipt or enter the personal identification number and within the limits set by the bank.
means a remote payment feature using a mobile phone available on the Eli application by which the customer can pay using the balance of his Eli prepaid cards on point-of-sale devices or ATMs that support the Contactless remote payment feature.
the Contactless payment technology enables cardholders to carry out cash withdrawals and purchases through daily POS safely and very quickly as payment is made by swiping the card on the point of sale device or on the ATM (those that accept payments using contactless technology) within the standards and limitations set by the Central Bank (100 Dinars per transaction limit and 300 Dinars the permissible daily limit without the need to enter a PIN code) as those limits are variable if amended by the Central Bank of Jordan.
an optional method for the customer that enables him to log into the Eli application using his fingerprint or facial image stored on his mobile phone which can be modified at any time by the customer.
Yet, it is considered an alternative method of logging into the application instead of using a password and Pin code to enter the application being used in their place.
.e. any order to electronically transfer funds, any information and/or any instructions related to the same.
the information message issued by the bank and sent to the customer via one of the available electronic methods and/or as the bank deems appropriate.
1- It is understood by the customer that Jordan Kuwait Bank offers an easy and secure technology through the Eli service for creating digital wallets and issuing prepaid cards in multiple currencies.
2- It is understood by the customer that the Eli service includes: the Eli application, the digital Eli Wallet, the physical and virtual prepaid card and the smart bracelet which service will be referred to in the terms and conditions as “the service or product.”
3- It is understood by the customer that he can download the Eli application through the electronic stores for Android and IOS phones and subscribe to the service himself by filling out the know-your-customer data and the national number which is considered a means of identification to determine the customer’s identity with the bank. Yet, the bank customer can sign in the service using his direct debit card number and PIN. In fact, any operations carried out using this service are considered to have been issued by him for which he forfeits his right to appeal or claim otherwise in the future.
4- It is understood by the customer that the service includes customers holding Jordanian citizenship only as customers holding American citizenship and green cards are excluded from the current scope of the project.
5- The customer registered in the service must be eligible to obtain a prepaid card in addition to being an adult who is not less than 16 years old provided that he has a civil status identity.
6- It is understood by the customer that his personal data on the civil status system, international sanctions lists, the national terrorist list and the internal blacklist are automatically checked directly during the registration process.
7- It is understood by the customer that the creation of the digital wallet and virtual card will be approved automatically upon completion of the registration process or will be rejected automatically according to the percentages determined by the bank. Otherwise, the account will remain under review and will be issued in different currencies while the Jordanian Dinar shall be the main currency. Further, the wallet shall be rechargeable in the Jordanian Dinar currency only within the limits and commissions set by the bank and via several electronic channels set by the bank.
8- The customer logs into the Eli application using his username and password (which he created when signing himself in the service) and that he can activate the fingerprint login service if there are fingerprints stored on the mobile phone after which the login using the fingerprint will be requested automatically whereby, and upon verification, the customer will be allowed to enter the application while in case of non-verification, the system will allow the customer to enter only 3 attempts after which the service will be blocked so that the customer must log in using his username and password.
9- The customer can log into the Eli application using his username and password at any time even after activating the fingerprint login feature.
10- It is understood by the customer that the service stops temporarily if the customer enters the password incorrectly for more than 3 attempts. Yet, the customer can reactivate the service by calling the direct call center by dialing 06-5200999.
11- It is understood by the customer that the services available at the branches regarding the Eli product are inquiry services and assistance in registering for the service only. Yet, and if the customer faces any problem related to the service, then he must contact the direct call center by dialing 06-5200999.
1- It is understood by the customer that he can create only one electronic account and all prepaid cards (primary and additional, virtual and physical) issued for the customer will be linked to the digital Eli Wallet.
2- It is understood by the customer that the digital Eli Wallet/card is created in multiple currencies pre-determined by the bank and is subject to modification from time to time as the bank deems appropriate.
3- It is understood by the customer that the main currency of the electronic account/card is the Jordanian Dinar.
4- It is understood by the customer that he is free to choose the currencies he wishes to link to the digital Eli Wallet as determined by the bank but he can recharge in the Dinar currency only and convert to the currency he desires. Yet, he can arrange the priority of withdrawing from currencies as he deems appropriate.
5- It is understood by the customer that he can issue additional prepaid MasterCard cards to first-degree relatives as the customer is required to enter the information of the person using the additional card while the bank has the right to either approve or reject the issuance application within the conditions set by the bank.
6- It is understood by the customer that each physical card has a corresponding virtual card and it is not possible to issue more than one physical card for the same virtual card.
7- It is understood by the customer that he can, through the application, choose the appropriate address to receive the physical card and/or bracelet or request to receive it at the registered address through the Aramex delivery service without commission at the present time. However, the bank has the right to add a commission to the delivery service in the future and display it on the service’s website as it deems appropriate.
8- It is understood by the customer that the validity period of the digital wallet extends to 3 years during which period the parameters entered into the systems are reviewed to evaluate the customer’s risk degree.
9- It is understood by the customer that the use of the digital Eli Wallet/card will be within the validity period set by the bank.
10- It is understood by the customer that the product supports the MasterCard Secure Code system for postal and Internet authorization transactions to document purchases via mail and the Internet.
11- It is understood by the customer that the bank is not responsible for any postal or Internet authorization transaction on websites and entities that do not support the MasterCard Secure Code system and that the bank has nothing to do with the same.
12- It is understood by the customer that the bank delivers the prepaid card and/or bracelet in a well sealed envelope while the customer has the right not to receive it in the event that otherwise occurs with the bank disclaiming responsibility for the prepaid card/bracelet once the customer agrees and signs the receipt.
13- It is understood by the customer that the password is created when creating the virtual card through the application so that the password includes the virtual and the physical cards.
14- It is understood by the customer who holds the digital Eli Wallet that he alone bears responsibility for all purchasing transactions made through the additional cards.
15- The bank has the right to cancel the digital Eli Wallet/prepaid card at any time (suspected of fraud/circulated for/when suspicious transactions are observed/repeated occurrence of rejected transactions whether being a withdrawal from an ATM, a store or online) and replace them with a new digital wallet New/card.
16- It is understood by the customer that the bank may, in its sole discretion, agree to issue a replacement card to the customer upon the customer’s request to issue a replacement card for a damaged or lost card while the bank will immediately stop the card that will be replaced in which case the customer may not reactivate the previous card if found.
1- It is understood by the customer that the digital Eli Wallet is considered dormant if a period of 365 days has passed from the date of the last financial transaction made through the digital Eli Wallet/card/bracelet for which the bank has the right to consider the digital Eli Wallet closed if a period of 365 days has passed from the date of the last financial transaction made through the digital Eli Wallet/card/bracelet when the balance is “zero”. Yet, the bank shall notify the customer of the date of freezing and/or closing the digital Eli Wallet via text messages one month before the date of freezing or closing it as well as upon freezing or closing the same.
2- It is understood by the customer that he cannot use the digital Eli Wallet/Eli prepaid cards linked to the digital Eli Wallet if the digital Eli Wallet is dormant and that he must reactivate it by following the steps for signing in the service.
1- It is understood by the customer that he can link only one phone number to the digital Eli Wallet level and that the bank sending text messages regarding the information of the digital Eli Wallet and/or the card to the mobile phone number belonging to the customer registered when creating the digital Eli Wallet is considered an evidence of the customer’s agreement to the accuracy of this information. Otherwise, the customer must inform the bank immediately if the information is incorrect.
2- It is understood by the customer that the bank sends SMS to the phone number registered on the application (as registered by the customer) so that these messages include details of the financial transactions that take place through the digital Eli Wallet/customer card, e.g.: (transaction value , the balance after the transaction, the nature of the transaction, the commissions resulting from the transaction) in addition to any other information related to the services and products provided by the bank as well as any information related to the details of the digital Eli Wallet such as the expiration of the validity period of the digital Eli Wallet/card, freezing and activating the digital Eli Wallet or closing the digital Eli Wallet and others. Hence, the “customer” is considered as having received every message that the “bank” sends to him.
3- It is understood by the customer that the bank’s sending text messages regarding the transactions made on the digital Eli Wallet/card to the mobile phone number belonging to the customer registered on the digital Eli Wallet is considered an evidence of the validity of these transactions. Otherwise, the customer must inform the bank immediately in the event that the transaction is not valid together with the customer’s commitment to submit a written objection within a period ranging from 90 to 120 days, depending on the nature of the objection, from the date of receiving the message or communicating with the direct call center at 06-5200999. Hence, and after this period, any objection received from customer to bank will be disregarded.
4- The customer agrees to receive e-mails from the bank and agrees that the bank can communicate with the customer via email, SMS or via the mobile phone registered on the digital Eli Wallet.
5- The customer agrees to update his contact information registered with the bank as soon as it changes.
1- All operations carried out through the Eli application and the digital Eli Wallet are considered a written authorization made by the customer to the bank in this regard.
2- The bank’s entries and records are considered conclusive and binding on the customer to determine the value of amounts withdrawn or deposited.
3- It is understood by the customer that he can transfer between the wallets of customers registered in the service and between the currencies of one wallet.
4- The customer agrees to bear all the financial transactions he makes on the card in any foreign currency or in the Jordanian Dinar in addition to any expenses, commissions or transfer differences according to the exchange rates on that day.
5- The customer authorizes the bank to debit the balance of the digital Eli Wallet with all amounts withdrawn by the card through ATMs, POS points or the Internet in addition to any commissions or charges that may result from its issuance or use.
6- The customer authorizes the bank to correct the errors that occur in electronic transfers of funds and to consider the customer’s registration in this service as a final and irrevocable authorization made to the bank if these errors relate to a reverse or part of it that previously registered in the customer’s wallet.
7- It is known to the customer that he can carry out banking transactions in one of the following ways: payment at a distance, purchasing online, locally or internationally, withdrawing through ATMs, transferring between Eli accounts, purchasing through points of sale, adding the available currencies and paying in the currency he chooses.
8- The customer acknowledges that he will not hold the bank as responsible at all for any financial loss that he may sustain as a result of his entering the transferee’s data incorrectly or as a result of transferring any amount from the digital wallet by mistake to the wallet of any other customer using this service or otherwise if the customer is provided with transfer information resulting from a fraudulent transaction or any fraudulent operation to which the customer may be exposed through services that allow transfers to another party. Hence, the customer alone bears the consequences of these errors for which the customer also exempts the bank from any responsibility that may result from the same.
9- The bank reserves the right, at its absolute discretion, to refuse to authorize any transaction in case of suspicion of a breach of the terms of use or the occurrence of fraud or illegal activity.
10- The customer acknowledges that, if it becomes clear to him that the bank has not carried out any transaction for any reason, then the bank will not bear any loss that may arise as a result of failure to implement this operation and that the customer forfeits his right to any claim regardless of its type, cause or origin.
11- It is understood by the customer that the transfer process is carried out only from the currency in which there is a sufficient balance and within the maximum daily limits set by the bank for which the bank shall not be obligated to carry out the transfer operation if the balance is not available or sufficient. In fact, the bank carries out the transfer operation automatically at the same moment if the balance is sufficient while the customer is responsible in the event of an error in the information provided to the bank.
12- The customer agrees that all transactions that have been made or will take place through the use of the Eli application will be the responsibility of the customer and that they are as valid towards the customer as that of the evidence initiated by bank’s books and entries. Yet, the customer shall be committed not to challenge them or even object to them or protest that they were not issued by him while the customer releases the bank’s responsibility from any transaction carried out through the Eli service regardless of its type, cause or origin.
13- It is understood by the customer that the bank does not bear any responsibility as a result of the customer paying any invoices, transactions, receipts or transfers through this service and/or mistakenly entering any numbers or data related to them without the need to issue any notifications about the executed operations.
14- It is understood by the customer that using the money transfer service for another beneficiary requires entering a second password or fingerprint and that if it is entered incorrectly beyond the permissible limit, then only the money transfer service will be stopped. However, the customer can reactivate it by calling the direct call center at 06-5200999 or reset it by selecting “Forget Password” on the login page of the Eli application and entering his National number.
15- It is prohibited to use the prepaid card in countries subject to international sanctions, websites with content that encroach the bank’s reputation and virtual currencies.
16- For the purposes of purchasing from stores using point-of-sale devices, the customer is required to enter the personal identification number (PIN) if the transaction is not contactless. However, if the transaction is contactless, then the customer is not required to enter the PIN in accordance with the standards and controls for contactless transactions issued by the Central Bank of Jordan.
17- For the purposes of withdrawing cash from ATMs locally and abroad, the customer is required to enter the personal identification number (PIN) for contact transactions. Yet, the customer can also withdraw cash through a prepaid card at ATMs that support contactless transactions provided that the PIN is entered and being within the limits set by the bank.
18- It is understood by the customer that he can manage the limits of contactless transactions within the limits set by the Central Bank of Jordan.
1- It is understood by the customer that the bank will not be responsible for any loss incurred by the customer by using the service unless the direct cause is the gross negligence and/or intentional misconduct of the bank.
2- It is understood by the customer that the bank does not accept responsibility for the malfunction or poor functioning of ATMs belonging to other banks regardless of the extent to which this affects the use of the product.
3- It is understood by the customer that the bank has the right to collect and use technical data about the customer’s device to facilitate service updates.
4- It is understood by the customer that when he shares his mobile phone and/or means of accessing the device with any other person, then that person may be authorized to use cards, access the Eli application and view personal information and payment information for which the customer must maintain the security and safety of his mobile phone and data of personal identification with the same concern for protecting his money, personal identification numbers and passwords.
5- It is understood by the customer that in the event of fraud, loss or theft of the device on which the Eli application, card or smart bracelet is authenticated, the customer is immediately obligated to inform the bank of such loss or theft after which, and based on the report, the bank will stop all Eli digital wallet transactions wallet. Yet, the customer has no right to claim any compensation from the bank as a result of any costs, fees or losses incurred in connection with any transactions affected by the use of the customer’s device before the customer informs the bank of the fraud, loss or theft or otherwise requests the bank to stop the card. Further, he will be responsible for all transactions that were/are being made using his card in a contactless way until the date the bank is informed of the loss or theft of the prepaid card. Hence, the bank shall not be responsible for any transaction made using the service before the date of notification.
6- It is understood by the customer that he alone bears responsibility for debiting the balance of his electronic account/card when using this service in addition to bearing responsibility for the incorrect transfer of any amount to any other customer. Yet, the bank is released of any responsibility that may result from any errors, damages, loss, costs or expenses that the customer may incur as a result of his breach of any of these conditions. Yet, the customer shall bear all compensation, costs, claims and damages that may be incurred by the bank as a result of the customer’s breach of any of these conditions.
7- It is understood by the customer that he alone bears responsibility for protecting his cards, transactions and any other information on his device in the event that the device is lost or sold to any other party or person.
8- It is understood by the customer that he is individually responsible for the security and safety of his mobile phone, the confidentiality of the device lock, the identification code, the PIN code and other means of accessing the JKB Mobile application, the card credentials or any other personal information or payment information associated with the device.
9- It is understood by the customer that if he has any questions or inquiries about the card, then he can call the direct call center of Jordan Kuwait Bank at 06-5200999, send an e-mail to callcenter1@jkbank.com.jo or use the personal assistant service “Masa” on the mobile banking application and WhatsApp service. Further, and in the event of disputes or complaints, he can call the bank’s direct customer complaints number at 06-5629404 or call the Financial Consumer Protection at the Central Bank by dialing 06-4630301.
10- The customer undertakes to immediately inform the bank of the possibility of third parties accessing his electronic account while he undertakes and shall be committed to be responsible for all transactions and amounts transferred within a period of 14 days from the date of these transactions. Further, the customer also authorizes the bank with absolute and irrevocable authority to take any measures that the bank deems appropriate including stopping or not executing the service or operations without the bank bearing any responsibility as a result.
11- The customer definitely and irrevocably undertakes that the use of the service will be free from suspicion and from any money laundering operation or any financing of terrorist operations regardless of their type, form or coverage. Further, the customer also definitely and irrevocably acknowledges, in the event of suspicion that one of the above operations or any operation that violates the applicable laws and regulations will take place on the digital Eli Wallet/card, then the bank is absolutely authorized, at its sole discretion and without referring to the customer, to stop the service and the cards as well as to freeze the limits and the digital Eli Wallet, stop any operation conducted on it and inform all regulatory and security authorities as well as any official body concerned to that effect.
12- The holder of the digital Eli Wallet takes full care to ensure the safety of the card/bracelet and maintains the confidentiality of the password as well as not to show any records of it and to keep the same completely separate from the card. Yet, he is also committed not to disclose the card/bracelet number to others for which and the bank does not bear responsibility if the customer discloses the information about the application and his card/bracelet to others.
13- The customer must cooperate with the bank in all anti-fraud or other investigations as set by the bank.
14- The customer acknowledges that he bears full responsibility for the provision, safety and maintenance of his smart-phone. Yet, the customer fully acknowledges that the bank does not bear any responsibility resulting from any defect in the devices used by the customer or in the event that the customer uses any other devices that may compromise the security and effectiveness of the service or otherwise any viruses present on the customer’s personal smart-phone which would reveal the customer’s important data for which the customer undertakes to bear alone all the consequences resulting from the same.
15- The customer is committed not to use the service for any illegal purpose including purchasing goods or services prohibited by applicable laws. In fact, the bank reserves the right to refuse to allow any financial transaction on the card if it suspects that there is a breach of the terms of use or that fraud or illegal activity has occurred without any liability on the bank and/or any of its employees or otherwise any transactions from merchants with whom the laws prohibit dealing.
16- The customer alone is obligated to bear full responsibility for maintaining the confidentiality of all information related to the product and is committed to payment instructions, financial transfers and any other information that can be accessed, transferred, and stored. Yet, the customer alone bears full responsibility for any actions arising from the customer’s use and/or the use of unauthorized third parties or otherwise for the unauthorized use and/or misuse by any party that may directly or indirectly result in any loss or damage to the customer or the bank.
17- The customer must immediately inform the bank if the PIN code is hacked or revealed to another person. Further, he must demand that the bank stop the card immediately and shall indemnify the bank against any loss, damage, fee or expense incurred by the bank due to such breach.
1- Acceptable objections: the financial transaction submitted for objection must have been made using the product and there must be a good reason for the objection, e.g. repeated transactions or incorrect transactions.
2- The time set for reporting the objection: the customer must report the objection within a specific time period not exceeding 14 days from the date of the financial transaction.
3- Required documents: the customer must provide the bank with the necessary documents to support the objection, e.g. invoices, receipts or any other document confirming that the transaction is incorrect.
4- Legal actions: if the objection is illegal or violates the terms and conditions, then the bank has the right to take legal action against the customer.
5- Objection to amounts: the customer can only object to the amounts that have been deducted from his electronic account but not to any additional fees or other charges associated with the financial transaction.
6- Commissions: it is understood by the customer that the cost of objecting to financial transactions amounts to five (5) Dinars for each case separately which shall be deducted from the balance of the digital Eli Wallet but shall be refunded if the objection is proven to be valid. In fact, the objection request is considered as a prior authorization from the holder of the digital Eli Wallet that the service provider may collect the objection fees from the digital Eli Wallet. Yet, the holder of the objection is also obligated to provide the amount of the objection fee in the wallet, otherwise the objection request is not considered effective.
7- The customer does not have the right to demand the refund of an amount to the digital Eli Wallet for a financial transaction in the statement of transactions on the pretext that it was not performed unless proven to be true. In this case, this amount shall not be credited until it is actually collected from the entities accepting the card and credited with the bank. Yet, the customer must address this claim to the bank within a period of 14 days from the date of making the transaction while the bank will collect fees for its charges or for paying any amounts resulting from this claim to the collecting bank or any other party.
8- It is known to the customer that the bank is not responsible for any disputes or disagreements that may arise between the customer and the merchant when making a purchase transaction.
1- The customer acknowledges that the procedures for activating the Eli service, which allowed him to access the dealing through this feature, are equivalent to an electronic signature in the sense contained in the Electronic Transactions Law and the Data Law which stands to be the gateway to any process or service he requests as if he has signed each of them.
2- It is understood by the customer that the access feature to the Eli application via fingerprint is secure to the extent that the customer maintains his smartphone and does not enable any other person or user to store any fingerprints on the customer’s smart-phone at the customer’s full responsibility.
3- The customer acknowledges his knowledge that the bank does not keep a fingerprint specimen stored on his phone and, therefore, the bank’s mere execution of any of the operations it provides through this service is the conclusive and decisive evidence of the validity of that transaction without the need to provide any other technical evidence.
4- If the customer allows the fingerprint of another user to be stored, then this user is considered an authorized attorney on behalf of the customer.
5- Maintaining the phone and the fingerprints stored on it is the responsibility of the customer while any transaction carried out by the bank through this feature is considered an instruction issued by the customer as if it was carried out using passwords and PIN codes serving as the customer’s own signature regardless of the fingerprint stored on the customer’s phone and whether it is a fingerprint that belongs to him or that he gives any other user the opportunity to store a fingerprint on his phone.
6- The customer is committed to immediately inform the bank without any delay about the possibility of any person or other user storing his fingerprint on his mobile phone while he alone bears the consequences of any operations conducted through another user.
1- It is understood by the customer that the product is subject to limits/fees/commissions set by the bank and that he has no right to object to these limits/fees/commissions and that these limits, commissions and fees are pre-determined by the bank being announced on the website set for Eli Website the service and are subject to amendment from time to time as the bank deems appropriate. Yet, the product may not be used except within the limits set for it by the bank for which the customer has no right to object to them.
2- It is understood by the customer that the bank has the right to debit any fees and/or commissions related to the digital Eli Wallet, card and/or payment bracelet from his wallet balance in accordance with what is announced on the Eli Website set for the service.
3- It is understood by the customer that the bank publishes the fees and commissions on the service’s website.
4- It is understood by the customer that he has no right to ask the bank to refund any commissions or fees resulting from his use of the product.
5- It is understood by the customer that the bank has the right, at any time it deems appropriate, to collect/increase any or all fees, commissions, charges or other fees in exchange for providing the service.
6- It is understood by the customer that any amendment or change to commissions and fees will be announced via text messages or on the Eli Website 15 days prior to the date of the amendment.
7- It is understood by the customer that the bank has the right to debit any fees and/or commissions resulting from all internal and external withdrawals including any currency differences resulting from using the card outside the country and to debit the equivalent of the value of these amounts according to the exchange rates prevailing with MasterCard.
8- The bank has the right to review all financial transfer fees from time to time and notify the customer thereof.
9- Payment transactions using Eli cards are subject to the prescribed fees and commissions published on the Eli website (if any).
10- The customer bears, without any responsibility, all commissions and fees charged by service providers when he pays or purchases through them, such as purchasing through electronic stores or withdrawing from other banks’ ATMs … etc.
11- It is understood by the customer that he agrees to the daily/weekly/monthly/annual limits set for financial transactions and shipping operations as set by the bank or as it amends without the need for prior notice.
12- It is understood by the customer that he can feed he balance of the digital Eli Wallet within the limits and fees previously set by the bank and that these limits are subject to modification from one period to another as the bank deems appropriate.
13- It is understood by the customer that he can manage the limits of all cards as he deems appropriate within the limits set by the bank in advance.
14- It is understood by the customer that the bank charges a commission of 1 Dinar per month on dormant accounts and a commission of 1 Dinar on expired cards but it does not charge any commission on closed wallets.
1- The bank publishes detailed instructions for the product on the “Eli Website” website, through the user guide for the service or in any other way that the bank deems appropriate. Yet, the customer is committed to follow these instructions precisely when using and that the customer acknowledges that he has looked through and understood the mechanism of the service.
2- The customer acknowledges that the bank has the right, at any time it deems appropriate, to apply protection procedures and any other procedures including “exercising the due professional diligence” procedures for the purposes of verifying the identity of any of the parties associated with the financial transaction, the purpose of the financial transaction or the relationship held between the customer and the beneficiary.
3- It is understood by the customer that the bank has the absolute discretion to renew/amend/cancel the limits set by the bank for the financial transactions carried out in terms of number and/or value through any of these services provided that the customer shall be notified 15 days prior to making such amendment in the manner the bank deems appropriate unless the amendment is temporary and is considered necessary for the security and integrity of the customer’s electronic account with the bank and/or for the security and integrity of the electronic transfer.
4- The customer is responsible for informing the bank directly of any inquiries, suggestions and/or complaints by calling the complaints phone number at 06-5629404, the toll-free number 080022200 or contacting with the direct call center at 06-5200999, the toll-free number 080022066 or by calling the Financial Consumer Protection number at the Central Bank of Jordan at 06-4630301 or on the website shorturl.at/ikr08.
5- The provisions contained in the general conditions guide for dealing with bank accounts and electronic services and any amendments that may be made to them subsequently but being not in conflict with these conditions shall be applicable to the relationship held between the bank and the customer.
6- The customer acknowledges that he does not hold any intellectual property rights in any of the programs, screens or documents that the bank provides to the customer and/or those that the bank updates and/or modifies while the customer will not or allow others to copy or modify any of those programs, screens or documents provided by the bank or otherwise downloading or transferring electronic banking services programs from any computer or phone.
7- The customer agrees to the applicability of the provisions of the Electronic Transactions Law and any instructions issued or may be issued pursuant thereto to this application and is committed to the content thereof. Yet, the customer agrees to all instructions that the bank may issue related to the Eli product from time to time, and/or those regulating the conditions of accounts held with the bank. .
8- The bank has the right to cancel the customer’s subscription to the Eli service if the bank learns and/or is informed of the issuance of an order to place a provisional or executive attachment on any of the customer’s accounts if the customer is a customer of the bank or one of the competing banks or otherwise if it learns and/or being informed of the issuance of an order against the customer regarding liquidation, bankruptcy, cessation of payment or insolvency.
9- It is known to the customer that in the event of the death of the holder of the digital Eli Wallet, the service will be stopped and will transmit to the Sharia heirs according to the procedures in force at the bank. Yet, the bank has the right to cancel the customer’s subscription to the service and stop all of his cards and financial transactions that take place through the service in the event of death.
10- It is understood by the customer that the bank has the right to make any amendment, change and/or alteration to any of the terms and conditions of the service at any time that the bank deems appropriate whereby the amended terms and conditions will be displayed upon entering the application provided that the customer’s approval of them is required to be able to benefit from the services offered through the application. Further, the bank also has the right to add new services or change the software used in the service provided while the customer is considered to have agreed to the same if he uses them.
11- It is understood by the customer that, despite the bank’s use of all possible means of protection, the bank is not considered responsible for any damages that may be sustained by the customer as a result of the openness of the public telecommunications network and the Internet and/or any other parties that practice these actions for force majeure reasons being beyond the control of the bank as well as the risks that may result from the same while the customer alone bears all these risks that may arise in such cases.
12- The bank has the right to provide the security or regulatory authorities with any information requested regarding your dealings with the bank in accordance with the provisions of the law.
13- The customer acknowledges that the bank has the right, at any time, without stating at reasons and without the need to inform the customer, to block the Eli application service from the customer when he has no right to object.
14- The customer acknowledges and agrees that the bank will inquire about all his data and verify it with the Civil Status and/or Passports Department and/or any other institution/company authorized to do so for which the bank has the right to review and provide any duly licensed inquiry company with any information related to the customer. Yet, and in general, this permit/approval extends throughout the period of contracting and dealing with the bank while the customer agrees to pay any commissions specifically specified and/or to debit his electronic account or take their value in advance from him without objection to that. The customer also acknowledges all actual and legal guarantees by agreeing to consider his electronic approval of these terms as being binding on him, issued by him and being a final proof against him for which all transactions and contracts that are executed stand to be valid transactions and contracts that are binding on him. Further, the customer also drops his right to adhere to any formal or substantive defense/or defense of non-acceptance and/or fulfillment regarding provisions set in this document and the matters related to and arising thereof.
15- The customer bears responsibility for his use of any software or devices that may compromise the security and effectiveness of the service and reveal the customer’s data. Yet, the customer bears all consequences resulting from the same and releases the bank from any responsibility in this regard.
16- The customer releases the bank in advance from any liability or damage that may be sustained by him or any person as a result of his failure to comply with any of the terms, conditions and instructions issued by Jordan Kuwait Bank or as a result of misuse of the service by the customer and/or by third parties of whatever capacity. Yet, the customer must compensate the bank for any damages, whether material or moral concerned with reputation.
17- The customer accepts and understands that it is his responsibility to read the updated terms of use on the Eli service Website while and he has no right to file any claim against the bank due to failure to send notice of the changes made to the terms of use by the bank noting that the updated terms and conditions are displayed when entering the Eli application while approval is required to benefit from the application services.
18- These terms and conditions as well as any amendments that may be made to them shall remain in effect and binding on the customer throughout his subscription to the service until he pays any balance due from him but without prejudice to the bank’s right at any time to terminate the subscription to this service without the need to state at reasons or give prior notice.
19- The customer acknowledges that all types of electronic transactions related to this contract are valid and acceptable as evidence in proving the same towards him being not subject to revocation or appeal by him in the future including all transactions mentioned in the Electronic Transactions Law and any amendments that may be made to the same.
20- The terms of use are governed by the laws of the Hashemite Kingdom of Jordan and are subject to the jurisdiction of the competent courts in the Hashemite Kingdom of Jordan to entertain any matters related to them. Yet, the bank may resort to any courts or other jurisdiction.
21- These terms and conditions have been made in Arabic and English and in case that of any conflict between the Arabic and English texts, then the Arabic text shall prevail.
