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General information
One of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by KeyDesign and how we use it. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us through email at Incubator. An example of a privacy policy can be found at buyproxies.io.
Log files
KeyDesign follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include:
- internet protocol (IP) addresses
- browser type, Internet Service Provider (ISP)
- date and time stamp, referring/exit pages
- possibly the number of clicks
Privacy policies
You may consult this list to find the Privacy Policy for each of the advertising partners of Incubator. Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Incubator, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit. Note that KeyDesign has no access to or control over these cookies that are used by third-party advertisers.
Third party policies
Incubator’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options. You may find a complete list of these Privacy Policies and their links here: Privacy Policy Links. You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites. What Are Cookies?
Children Information
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. Incubator does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we h3ly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Online privacy
This privacy policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in KeyDesign. This policy is not applicable to any information collected offline or via channels other than this website. By using our website, you hereby consent to our Privacy Policy and agree to its Terms and Conditions.[/vc_column_text][/vc_column][/vc_row][vc_row kd_background_image_position=”vc_row-bg-position-top” css=”.vc_custom_1676555000152{padding-top: 50px !important;}”][vc_column][vc_empty_space height=”38px”][vc_column_text]
1. THESE TERMS AND CONDITIONS
1.1 Please read these Terms and Conditions carefully, as they will be legally binding on you when you use the myZoi Services. If you do not agree to any terms stated here, you must immediately discontinue your use of the myZoi Services.
1.2 In these Terms and Conditions, “you” and “your” refer to a person who applies for, uses or accesses the myZoi Services, and “we,” “our,” and “us” refer to myZoi, a business which is owned and operated by Financial Inclusion Technologies Limited. All capitalised words found in these Terms and Conditions, are defined in the definitions section at the end of this document.
1.3 These Terms and Conditions and any amendments made to these Terms and Conditions will be made available to you at https://myzoi.life/ and on our Mobile App, it is strongly recommended that you return to this web page or our Mobile App on a regular basis to review the latest version of the Terms and Conditions.
1.4 We can change these Terms and Conditions at any time, by providing you with 60 calendar days’ notice via SMS, through a Mobile App notification and/or via such other means as we may determine. Your continued use of the Services signifies your acceptance of our updated or modified Terms and Conditions.
1.5 Additional terms and conditions may apply when you use the Services via the Mobile App. These additional terms are imposed by the respective application store, such as: Android’s (Google) Play Store, Amazon’s Appstore, Huawei AppGallery, and such other app stores we may use (collectively “App stores”), and govern the use of the Mobile App. These additional terms, form part of these Terms and Conditions by way of reference and will be made available to you when you download the Mobile App.
1.6 We may offer other services to you where additional terms and conditions apply. You can find out more about those services by contacting us via the Mobile App, Website, by sending an email to support@myzoi.life or by calling us at our contact support number located on our Mobile App and Website. Where you make a request for information on a specific service offered by myZoi, which relates to fees, conversion rates and withdrawal charges (if any), we shall provide you with such information within 5 business days of your request.
2. COOLING OFF PERIOD
You have the right to a cooling-off period of 5 business days. The cooling-off period is the period after you successfully register for the myZoi Services that allows you to reconsider applying for the myZoi Services and to withdraw your registration without suffering any costs, obligations, or inconvenience.
3. YOUR REGISTRATION FOR THE MYZOI SERVICES
3.1 myZoi is a digital wallet solution that allows you to transfer money held in your myZoi Account to other validated myZoi users. The Services are available to customers whose employers have arrangements in place to obtain payroll services from myZoi.
3.2 You must be 18 years or above to use the Services, and fully comply with these Terms and Conditions.
3.3 The Mobile App is freely accessible on App stores, however, prior to availing any of the Services to you, you will have to register on the Mobile App and create an Account.
3.4 When you register on the Mobile App, a “one-time password” (“OTP”) will be sent to your mobile number. You will need to (i) enter the OTP for validating your mobile number; and (ii) provide your employee ID or invitation code to activate and access your Account. Once activated, you can use your mobile number together with your access PIN to access the Services and it will remain active until terminated in accordance with these Terms and Conditions.
3.5 We may provide you with other methods to access your Account, such as facial recognition or by using your fingerprint, however this will be dependent on the mobile device you are using.
3.6 You will also be required to submit certain documents as requested by us in order for us to verify your identity and provide the relevant Services to you, including but not limited to your identification card, passport (or other government issued identity proof), and photos. You hereby expressly authorise us to use such documents, store and process such information for the purposes set out in these Terms and Conditions and the Privacy Notice.
3.7 To the extent permitted under applicable laws, we will also collect documents and information pertaining to you from the records maintained with any United Arab Emirates governmental authorities and such other governmental authorities located in the respective countries where the myZoi Services are provided, which are required as part of the User Verification process. By agreeing to abide by these Terms and Conditions you irrevocably consent to us disclosing your information including any biometric data (such as your photo) to the relevant government authorities.
3.8 Further details of the information / documents that we collect and the manner in which we use the information/ documents are detailed in our Privacy Notice available on our Website. If these Terms and Conditions read with our Privacy Notice are not acceptable to you, please do not provide any of your information to us. However please note that in such event, we will not be able to provide you with the Services.
3.9 The details and/or documents requested by us are not an exhaustive list of requirements and we reserve the right to request and / or extract additional documents and / or details from you or any third party as may be deemed necessary by us in our sole discretion, to complete User Verification.
3.10 In the event the details or documents submitted for creating Account, or for availing the Services, are incomplete or inconsistent, we will request additional information / documentation from you. In case the discrepancies remain unresolved or if we are unable to successfully complete the User Verification process in accordance with our policies, we shall have the right to reject your request for registering for the Services. In any event, please note that we reserve the absolute discretion to accept or reject your request for creating an Account.
4. BY REGISTERING AND CREATING AN ACCOUNT, YOU CERTIFY THAT:
4.1 you have created the Account for your own personal use and that the information and documents you provide to us are your details (and not that of any other person);
4.2 all information and documents that you provide to us at any time are true, complete and accurate and any such information is supported by genuine and valid documents submitted. You further confirm that you will keep all such information and documents current, complete, accurate and valid at all times for as long as your Account remains valid. You can log in to your Account to review and modify any changed details. You may be required to submit documentary proof as required by us from time to time to authenticate the modified details and may not be able to use the Services until verification of the changed details is successfully completed by us;
4.3 you hereby agree that you will indemnify us for any loss, damage, claim, action, costs, charges and expenses which we may suffer or incur as a result of acting on, or relying on the information and documents provided by you;
4.4 you will be responsible for safeguarding the security and confidentiality of your Account and password and you will not share, assign or transfer your Account or reveal your password to any third party or do anything else that might jeopardize the security of your Account; and that you will be solely responsible and liable for all actions/instructions initiated using your Account. Please note that you may be held liable for losses incurred by us or any other User due to authorised or unauthorised use of your Account as a result of your failure in keeping your Account information secure and confidential and/or not promptly notifying us in the event of any beach of security;
4.5 you will not create more than one Account;
4.6 you will comply at all times with all applicable anti-corruption, anti-bribery laws in the country where the Services provided and in the country in which you reside; and
4.7 you understand that we may suspend or terminate your Account or your use of the Services at any time without notice, if we suspect that any information / documents / authorisation that you have provided are untrue, inaccurate, not current, or incomplete or if you are found to be in breach of any of these Terms and Conditions.
5. FUND TRANSFERS
5.1 All instructions to make a Funds Transfer from your Account shall be binding on you and cannot be reversed.
5.2 Where you effect a Funds Transfer from your Account, you authorise us to debit from the Account the funds to be transferred to the recipient.
5.3 You must ensure your Account has sufficient funds for the purposed of giving instructions to us.
5.4 If a Funds Transfer is required to be converted from one currency to another, then we will reasonably decide the exchange rate to be used for such conversion. Any rate we impose shall be final and conclusive and you shall bear all exchange risks, loss, commission and other costs which may be incurred as a result. For the avoidance of doubt, we shall only process the Funds Transfer if you accept the exchange rate offered.
5.5 We may set, vary or cancel limits for any Funds Transfer, whether in monetary or numerical terms or otherwise, and vary the frequencies that such Funds Transfer may be made.
5.6 The effecting of the Funds Transfer is subject to the rules and regulations and market practices of the country of payment. We shall not be liable for any loss incurred by you or delay as a result of any rules and regulations or market practices.
5.7 The recipient of a Funds Transfer will be notified immediately when a Funds Transfer has been successfully completed and the funds will be available for the recipient’s use, however you acknowledge that we cannot guarantee the time at which any recipient will receive the Funds Transfer.
5.8 You acknowledge that we may refuse to act on your instruction or block a Funds Transfer and your Account, if we consider it reasonable and practicable to do so. For example, we may refuse to act on an instruction and block a Funds Transfer and your Account if there is a breach or suspected breach of: a) our internal policies b) any security procedure c) any law or requirement of any authority, or e) we receive a regulatory notice or court order to block a Funds Transfer or your Account.
5.9 We will not be liable for any loss (direct or indirect), whatsoever incurred by you or any third party for acting on or any delay or failure to act on your instructions to carry out a Funds Transfer, due to but not limited to any restrictions on its conversion, transfer, any exchange or currency restrictions affecting the Funds Transfer, exercise of any governmental powers, force majeure, war, strikes, sabotage, computer breakdown or any other causes beyond our control or any event which makes it impossible or impracticable for us to perform our obligations in respect of any instruction submitted by you to us or where we are required to act in accordance with the laws and regulations in any jurisdiction which relate to the prevention of money laundering, terrorist financing or the provision of any services to any persons which may be subject to sanctions.
5.10 Until your Funds Transfer is executed, we will safeguard your money by ensuring that: a) your money shall not be commingled at any time with the money of any other person; and b) your money shall be safeguarded against the claims of other creditors of myZoi, in particular in the event of insolvency.
6. DEBIT CARD
6.1 We will issue you with a Debit Card which you can use to pay for goods and services in person, access cash from certain ATMs identified by us, and to perform such other transactions through other channels we may notify you of from time to time. If you are issued with a Debit Card the following terms apply to you:
(a) You must at all times regard the Debit Card as the property of myZoi and surrender it unconditionally and without reservation upon demand by us.
(b) You must not use or attempt to use the Debit Card unless there are sufficient funds in your account to cover the withdrawal or transfer.
(c) You must restrict use of the Debit Card exclusively to yourself, as it is not transferable.
(d) You must not use or attempt to use the Debit Card after any notification of its cancellation or withdrawal has been given to you by us or by any person acting on behalf of myZoi.
(e) You must not under any circumstances disclose to any person the PIN you have created to facilitate the use of the Debit Card.
(f) You must immediately notify us of the loss or theft of the Debit Card.
(g) You agree to accept full responsibility for all transactions processed from the use of the Debit Card, except any transactions occurring after we have informed you that we have received notice of loss or theft of the Debit Card or of unauthorised acquisition of the PIN.
(h) Subject to (g) above, you accept our record of withdrawals and/or transfers as conclusive and binding for all purposes and to authorise us debit your Account with all amounts withdrawn or transferred with or without your knowledge or authority.
(i) You acknowledge that the amount stated on the ATM screen or a printed enquiry slip or receipt advice shall not for any purpose whatsoever be taken as conclusive of the state of your Account. Only Account information contained in your statement issued on your Mobile App should be relied upon as conclusive.
(j) You agree not to hold us liable, responsible or accountable in any way whatsoever for any loss, injury or damage howsoever arising caused by any mechanical defect in or insufficiency of funds in or malfunction of the ATM or any reader used with your Debit Card.
(k) Notwithstanding and without prejudice to the generality of the provisions of (j) above, the use of the Debit Card shall be at your sole risk, and you assume any and all risks incidental to or arising out of the use of the Debit Card.
(l) You agree that we will not be responsible for the Debit Card not being honoured for any reason.
(m) You will return the Debit Card for cancellation should it be no longer required or should your Account be closed for any reason.
(n) We shall be at liberty to terminate the Debit Card at any time without notice to you.
7. FEES AND CHARGES
7.1 We shall be entitled to impose fees and charges for the Services that you subscribe to. We will deduct the applicable fees and charges (including all government taxes) from your Account when you use the Services or in such other manner as communicated to you from time to time. The fees as applicable from time to time shall be detailed on our Website and Mobile App, or as communicated to you from time to time including by way of SMS or push notification.
7.2 The fees and charges paid to us are non-refundable and our records on the fees to be paid shall be final and binding.
8. COMMUNICATION
8.1 By accepting these Terms and Conditions, you hereby request and expressly authorise us and our employees or agents to communicate with you, and accept instructions from you or with your approval, (i) over the telephone by SMS or calls at the number you provide to us; (ii) in writing (including through documents uploaded by you through your Account or otherwise); and/or (iii) any other mode and form as may be determined appropriate by us from time to time.
8.2 You hereby consent to us, at our sole discretion, recording all telephone calls between you and our representative for any purpose whatsoever, however subject to applicable laws, and any such records of held by us shall be conclusive and binding evidence of the fact and content of such communication.
8.3 It is your responsibility to immediately notify us of any change in your mobile number. You hereby confirm that instructions / approvals so provided by you will be valid, effective and binding on you without any further enquiry or due diligence as to the identity of the person purporting to give such instruction / approval. We may, in our sole discretion, seek further confirmation of any instruction / approval given or purporting to originate from you.
8.4 We shall not be liable for any failure or delay to perform any of its obligations if such performance is prevented, hindered or delayed, in part or entirely, by any event beyond our reasonable control, including without limitation, fire, flood, explosion, acts of god, terrorist acts, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, acts of third parties beyond our reasonable control, security breaches, power shut down, faults or failures in telecommunication or internet services or unauthorised access to computer systems.
9. PERMITTED USE OF MYZOI WEBSITE AND MOBILE APP
9.1 You may use the Mobile App solely for your own use and subject to these Terms and Conditions.
9.2 All content, data, design, information or other materials available on and underlying the Website and Mobile App (collectively “Content”), including but not limited to software underlying the Website and Mobile App or which are required for accessing or using the Website or Mobile App, images, text, layouts, arrangements, displays, illustrations, photographs, graphics, audio and video clips, HTML files and other content, logos, trademarks that may be used on the Website and Mobile App are the property of myZoi and/or its licensors and are protected by copyright and/or other applicable intellectual property right laws.
9.3 You are not permitted to copy, reproduce, scrap, publish, perform, communicate to the public in any manner whatsoever, transmit, sell, license, distribute or transfer in any manner whatsoever, adapt, modify, translate, disassemble, decompile or reverse engineer, create derivative works from, or in any way use or exploit the Website, the Mobile App, the Content or any part thereof. You shall not remove or obliterate any copyright, trademark or proprietary rights notices from the Content or the Website or Mobile App and shall reproduce all such notices on all authorised copies of the Content. Any use of the Website, the Mobile App and / or Content in violation of these Terms and Conditions may violate copyright, trademark and other applicable laws, and could result in appropriate legal action.
10. REPRESENTATIONS AND WARRANTIES
10.1 You represent and warrant that you will:
(a) not use the Services, Website or Mobile App for any illegal or unauthorised purpose or in a manner that could damage or cause risk to our business, reputation, employees, customers of myZoi or any third party;
(b) not do any act which will cause you or another party to breach these Terms and Conditions;
(c) not introduce into or through the Website or Mobile App any computer virus, ‘Trojan horse’, worm, logic bomb, malware or anything similar the purpose of which is to disable a computer or network or adversely affect its performance;
(d) use the latest virus scanning software and take other reasonable precautions in respect of the security of your device when accessing or using the Website or the Mobile App;
(e) not infringe our or any third party’s intellectual property rights; and
(i) cooperate in any investigation conducted by us in relation to the Services or any breach of these Terms and Conditions.
11. DISCLAIMER OF WARRANTIES
We provide the Services, our Content, and all content and materials available through the Website and Mobile App “as is” and “as available” without any warranty or condition of any kind, express or implied. myZoi, on behalf of itself, its affiliates and its licensors, disclaims all warranties of any kind, whether express or implied, relating to the services, our Content, or the website, including implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, quality, accuracy, title and non-infringement and any warranty arising out of course of dealing, usage or trade.
12. LIMITATION OF LIABILITY
12.1 We will not be liable to you or any third party for any loss or damage (including special, indirect, incidental, consequential or punitive damages) arising directly or indirectly from your use of the Services, our Content, or use of the Website or Mobile App.
12.2 For the avoidance of doubt, you shall be fully liable for all losses, and damages arising from any Funds Transfer which is authorised using your PIN and/or Debit Card, unless you have notified myZoi in writing or through such channels which myZoi makes available expressly for such purpose that your PIN or Debit Card has been stolen or compromised. If you disclose your PIN to any third party, or if you fail to safeguard and protect your PIN and/or Debit Card using reasonable care and as a result your PIN and/or Debit Card are used by any third party to authorize one or more Fund Transfers, then to the maximum extent permitted under applicable law, you will indemnify and hold myZoi harmless for any losses, liabilities, damages, costs, expenses and charges arising out of or in relation to any such Fund Transfers until the earlier of (a) the time when you change your PIN, and (b) the time when myZoi receives a notification from you that your PIN and/or Debit Card have been compromised or stolen
12.3 In the event of fraud, loss or theft of your mobile device or the sim card used in your mobile device you are obliged to immediately notify myZoi, in order for myZoi to freeze your Account. you will indemnify and hold myZoi harmless for any losses, liabilities, damages, costs, expenses arising out of or in relation to myZoi freezing your Account, pursuant to your notification, as described above.
12.4 You shall be liable for the losses related to any Funds Transfer where you are proven to have acted fraudulently or are otherwise found to be in breach of these Terms and Conditions.
13. INDEMNITY
In addition to the indemnities provided above, you will defend, indemnify, and hold us harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by us in connection with any claim by a third party arising out of or in any way related to: (1) your use of the Services, our Content or the Website or Mobile App; (2) your violation or alleged violation of these Terms and Conditions or your violation or alleged violation of any applicable law; or (3) your infringement or alleged infringement of any intellectual property or other right of any other person or entity. You must not settle any such claim or matter without our prior written consent. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defence of any such claims.
14. TERMINATION AND EXPIRY
14.1 These Terms and Conditions are binding on you from the time you use the Services and will continue in full force and effect until terminated in accordance with these Terms and Conditions.
14.2 We may terminate these Terms and Conditions and de-activate your Account immediately by notice to you via SMS or push notification via the Mobile App in the event that you are in breach of these Terms and Conditions or any applicable law or regulation, in the event we reasonably believe there may be financial crime risks or a potential fraud or where you are no longer employed or where the employer is no longer availing payroll services from myZoi. .
14.3 In addition, we may also terminate these Terms and Conditions and de-activate your Account for any reason by giving you 60 calendar days’ notice or such other appropriate time period, via SMS or push notification via the Mobile App.
14.4 Upon termination, your right and license to access and/or use the Website, Mobile App or avail any Services immediately ceases and your Account will be deactivated.
14.5 You may terminate your Account at any time by notifying us in writing via email, Mobile App, by calling our contact centre or by such other means as notified by myZoi.
14.6 Upon the termination of your Account, all undisputed amounts in your account will be returned to you.
14.7 We will not impose any closure fee on your Account.
15. COLLECTION USE AND DISCLOSURE OF YOUR INFORMATION
You consent to, and shall procure that all relevant individuals whose information has been disclosed to us by or through you (collectively “Relevant Individuals”) consent to, our officers, employees, agents and advisers collecting, using or disclosing such information relating to you (and the Relevant Individuals) including details of the your Account information to any third party solely for the purpose set out in our Privacy Notice, or as is otherwise required or permitted in accordance with applicable law.
16. GENERAL PROVISIONS
16.1 Retention
We will retain your information in accordance with legal, regulatory, business and operational obligations as set out in our Privacy Notice.
16.2 Statement and Records
(a) We will issue you with a statement of your account via the Mobile App. Please note that you are responsible for checking your statement for errors.
(b) You must report any mistaken or unauthorised transactions to us as soon as possible by requesting a call back through the Mobile App. If you do not report any mistake within 30 business days after the date of the statement, we will treat the statement as correct.
16.3 Regulatory Framework for Service in United Arab Emirates
You understand that we are authorised by the Central Bank of the United Arab Emirates to provide the digital payment services in accordance with the Central Bank’s Regulatory Framework for Stored Values and Electronic Payment Systems (“Framework”). myZoi is operated in accordance with the requirements of the Framework and is bound to comply with the terms of the Framework, which in turn will affect your use of the Services. For example, under the Framework limits are placed on: i) the amount that can be funded to your Account per month; ii) the amount that can be held in your Account; and iii) the amount of each transaction you can initiate using the Services.
16.4 Complaints, Customer Service and Communication Channel
If you have any concern or grievance in respect to any Content, information, or data on the Website or Mobile App or in relation to the Services, please contact us at support@my.life or by requesting a call back through the Mobile App. You may also communicate to us in writing to the following address:
Financial Inclusion Technologies Ltd
[REGISTERED ADDRESS to be added]
16.5 Sub-contracting and Assignment
(a) You acknowledge that, to the extent permitted by law, we may assign, sub-contract, delegate or otherwise transfer the benefit of these Terms and Conditions or any of our obligations under them to another party without your consent.
(b) You cannot assign or otherwise transfer these Terms and Conditions, the Services or any rights hereunder to any third party.
16.6 Governing Law
This Agreement shall be construed, interpreted and applied in accordance with, and shall be governed by, the laws the Emirate of Dubai and (to the extent applicable in the Emirate of Dubai) the laws of the United Arab Emirates and the courts of Dubai shall have exclusive jurisdiction to entertain any dispute or suit arising out of or in relation to this Agreement.
17. DEFINITIONS SECTION
Account means the account created by you on the myZoi Mobile App in order to use the Services.
ATM means automated teller machine(s) which may be used to withdraw money from your Account using your myZoi Debit Card.
Debit Card means the myZoi debit card issued to you to withdraw monies from your Account at selected ATMs or via shops or any other channels where the Debit Card is accepted, as identified by myZoi.
Funds Transfer means an instruction to transfer money from one Account to another Account.
Identification Document means, your official national identity card, passport, or such other officially valid document as per the relevant laws and regulations on “know your customer” procedures, which govern the provision of the Services and as amended from time to time.
Mobile App means the mobile application belonging to us which is developed and designed to run on various mobile operating systems, in order to provide the Services.
PIN means the personal Identification number created by you for the purpose of using your Debit Card at selected ATMs and, where the context permits, the PIN also means the PIN used to log in to the Mobile App.
Privacy Notice means the myZoi privacy notice found at http://myzoi.life/ the terms of which are incorporated into these Terms and Conditions.
Services means the myZoi digital wallet, access to the Website and use of the Mobile App and such other services as may be provided by us, from time to time.
Terms and Conditions mean these terms and conditions which incorporate our Privacy Notice and such third-party terms and conditions which are necessary for the provision of the Services, Website or Mobile App.
User Verification means the process followed by us to ensure your identity and eligibility so that we can avail the Services to you.
Website means the domain at http://myzoi.life
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