General Terms and Conditions of Use for the Electronic Payment Application "DAWLI pay"

Article 1: Preamble
The Banque de Mauritanie Internationale (hereinafter “the Bank”) provides its electronic payment application “DAWLI pay” to its clients. This application enables clients to access their accounts and conduct transactions with ease and security.

Article 2: Definitions

• “The Bank”: Refers to the Banque de Mauritanie Internationale.

• “The Client”: Any individual or legal entity holding a bank account with the Bank and subscribing to the “DAWLI pay” application.

• “The Application”: Refers to the “DAWLI pay” application provided by the Bank, allowing clients to conduct transactions and view their accounts.

• “Unique Code”: A temporary code used to secure transactions.

• “Credentials”: Includes username, password, and any other required access codes.

Article 3: Purpose
These terms aim to define the rules for using the “DAWLI pay” application and the procedures required to benefit from its services, in compliance with applicable laws and regulations.

Article 4: Access to the Service

1. The Client must hold a bank account with the Banque de Mauritanie Internationale.

2. Acceptance of these General Terms and Conditions is mandatory.

3. Service activation occurs after verification of the Client’s identity via their national ID and registered phone number.

4. An activation code is sent via SMS to the registered phone number.

Article 5: Services Offered
The “DAWLI pay” application provides the following services:

1. Financial Transactions:

   • Funds transfers between the Client’s accounts.

   • Funds transfers to third-party accounts within the Bank or to other banks.

   • Bill payments (utilities, etc.).

   • Mobile credit top-up.

2. Additional Services:

   • Account balance inquiry.

   • Bank statement retrieval.

   • Locate ATMs and branches.

   • Request checkbooks.

   • The Bank may introduce additional services deemed appropriate via the Application.

3. Security:

   • All transactions are verified via Credentials or a Unique Code.

   • Instant SMS or email notifications for each transaction.

Article 6: Client Obligations

1. The Client must maintain the confidentiality of their Credentials and not share them with third parties.

2. Any loss or compromise of Credentials must be reported to the Bank immediately.

3. The Client must comply with the Bank’s security policies and guidelines.

Article 7: Liability Limitation

1. The Bank shall not be liable for losses resulting from the Client’s misuse of Credentials.

2. The Bank is exempt from liability for service interruptions due to technical failures beyond its control.

3. The Bank reserves the right to suspend the service in case of suspicious activity or breach of these terms.

Article 8: Personal Data Protection

1. The Bank commits to protecting the Client’s personal data in accordance with applicable laws.

2. Data is used solely for service-related purposes and shared with third parties only with the Client’s consent.

Article 9: Anti-Money Laundering

1. The Client must provide accurate and complete information for all transactions.

2. The Bank may request additional documents to verify the origin of funds if necessary.

3. Competent authorities will be notified of suspicious activity.

Article 10: Intellectual Property

1. All intellectual property rights related to the Application belong to the Bank.

2. Copying, modifying, or distributing any part of the Application without prior written authorization from the Bank is prohibited.

Article 11: Force Majeure

1. The Bank is not liable for service interruptions due to events beyond its control, such as natural disasters or major technical failures.

2. Services will resume once the cause of interruption is resolved.

Article 12: Disputes

1. These terms are governed by the laws of the Islamic Republic of Mauritania.

2. Disputes shall first be resolved amicably; failing this, they will be submitted to the competent courts of Nouakchott.

Article 13: General Provisions

1. Use of the Application constitutes acceptance of these terms.

2. The Bank reserves the right to modify these terms with prior notice to the Client.

3. The electronic version of these terms shall prevail.

Article 14: Termination

1. The Client may terminate use of the Application at any time by notifying the Bank appropriately.

2. The Bank reserves the right to suspend or terminate access to the Application in case of non-compliance with these terms, with notice if required.

3. Upon termination, the Client remains responsible for all outstanding obligations.

Client’s Death
Upon official notification of the Client’s death, the account will be immediately suspended. No transactions may be conducted post-death unless legal heirs provide proof of entitlement or a court order regarding the estate is submitted.

Article 15: Evidence Agreement

1. Transactions conducted via the Application are deemed valid and binding unless proven otherwise, given the security measures in place.

2. The Client accepts that electronic data and Application records may serve as evidence before any competent authority in case of dispute.