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General Terms and Conditions of Use (GTCU)

Effective date: 12/09/2024

These General Terms and Conditions of Use (GTCU) govern the use of the Alyf electronic wallet service offered by Paymob. Located at 259 Lotissement Lina, 1st floor, Sidi Maarouf, Casablanca, Alyf provides users with three main types of services: the electronic wallet account, the agent account and the loyalty program.

Alyf is an online mobile application that enables users to benefit from a multi-brand loyalty program. Thanks to this application, users can collect points when shopping at partner stores and convert them into gifts. The application is accessible via mobile devices.

These Terms and Conditions describe the conditions under which Paymob offers access to the Alyf application and its services.

Acceptance of Conditions

By using Alyf, you fully and unconditionally agree to these Terms and Conditions. If you do not accept these conditions, please immediately cease all use of the Alyf application.

Definitions

  • Alyf Wallet: Refers to the Alyf electronic wallet application
  • User: Individual or entity that uses Alyf in accordance with these GTCU.
  • Alyf account: User account created on Alyf to access the features and services offered.
  • Alyf Loyalty: refers to loyalty account subscribed directly with a partner

Right to Information During Data Collection (Article Five of Law No. 09-08)

When an individual is directly approached for the collection of their personal data, they must be informed clearly and precisely by the data controller or their representative, unless they have already received this information. The details to be provided include:

  • The identity of the data controller and, if applicable, their representative.
  • The purposes for which the data will be processed.
  • Additional information, such as:
    • The recipients or categories of recipients of the data.
    • Whether responses to questions are mandatory or optional, along with the potential consequences of refusing to respond.
    • The existence of the right to access and rectify personal data concerning them, to the extent necessary to ensure fair data processing.
  • The characteristics of the declaration submitted to the National Commission or, where applicable, details of the authorization granted by it.
  1. Documents used for collecting personal data must include the above-mentioned information.
  2. If personal data has not been collected directly from the individual concerned, the data controller or their representative must provide, before recording the data or during communication with a third party, at least the information from points a), b), and c), unless the individual has already been informed.
  3. When collecting data over open networks, the individual must be warned that their personal data may circulate without security guarantees and may be accessed and used by unauthorized third parties, unless they are already aware of this risk.

Use of the Service

  • Eligibility: You must be of legal age to use Alyf under Moroccan law. You are responsible for ensuring that your use of Alyf complies with all applicable laws and regulations.
  • Account creation :
    • To create an Alyf Account, you must provide accurate, complete and up-to-date information such as your name, email address and identity verification information, if applicable.
    • You are responsible for maintaining the confidentiality of your login information and any activity that occurs under your Alyf Account. You agree not to share your login information with any third parties and to notify Alyf immediately of any unauthorized access to your account.
  • Approved for use :
    • Alyf is intended for personal use. It can also be used for commercial purposes if you have a merchant contract.
    • You agree to use Alyf only for lawful purposes and in accordance with these GTCU, as well as applicable anti-money laundering and anti-terrorist financing laws.

Services and Features

Transfers between Alyf Accounts

Initiating the Transfer:

  • Face-to-Face Transfer: Use a QR code to transfer funds to another Alyf User.
  • Remote Transfer: Choose from the following options:
    • Select the Recipient from your contacts (after linking your address book to the app).
    • Enter the phone number or Alyf ID of the Recipient.
    • Accept a payment request from another Alyf User.

Confirmation: Your account balance will be debited immediately, and the Recipient's account will be credited instantly.

Deposits

Registering a Payment Method:

  • Register a credit card in your name to fund your Alyf account (via CMI - Centre Monétique Interbancaire). Ensure that your bank account agreement allows for fund transfers.

Top-Up: Deposits are made through CMI (Centre Monétique Interbancaire). Note that only CMI retains your credit card data.

Withdrawals

Transfer to a Bank Account:

You can transfer all or part of your Alyf balance to any bank account of your choice. Provide the IBAN of the bank account to which you wish to transfer funds. You can also connect your bank directly to the app to facilitate transfers.

Access to Transaction History

Users can view their balance and the history of recent transactions on their Alyf Account at any time. The balance and transaction history are updated instantly by Lana Cash and can be accessed through the Alyf App.

Bill Payments

Users can pay various bills to Third-Party Partners from their Alyf Account. The list of Third-Party Partners and available services is displayed and accessible on the App.

Interoperability with Other Mobile Wallets

Users can receive transfers directly to their Alyf App from another payment institution and can also make transfers from the Alyf App (and therefore from the Lana Cash M-Wallet) to the mobile wallet of another payment institution.

Generation of a RIB

A bank account details (RIB) is automatically generated upon the opening of a payment account. To obtain your RIB, the client can access the "Manage" section, then select "Account info," and choose "IBAN Letter." The RIB will be displayed on the page. For any additional assistance, you can contact Customer Service through the app or send us an email at support@paymob.ma.

Loyalty Program

  • Membership and Benefits :
    • Alyf proposes to introduce a loyalty program with partners to reward regular and loyal users, as well as a loyalty program specific to Alyf
    • Detailed information about the loyalty program, including membership criteria, benefits and loyalty levels, is available on Alyf's application or on our partners' accounts, and may be changed by Alyf and/or partners at its sole discretion.
  • Application conditions :
    • Participation in the loyalty program is subject to the specific terms and conditions established by Alyf in collaboration with its partners, in accordance with the partners' general terms and conditions of use. By participating in the program, you agree to the applicable terms and conditions, including the terms and conditions for the accumulation and redemption of points or benefits, where applicable.
    • Alyf reserves the right to suspend or terminate your participation in the loyalty program in the event of abuse or violation of the established conditions.

Modifications to the GTCU

  • Alyf reserves the right to modify these GTCU at any time at its sole discretion.
  • Modifications will be published on Alyf and will take effect immediately.
  • By continuing to use Alyf after such changes, you accept the revised GTCU.

Cancellation

  • You may terminate your Alyf Account at any time by following the instructions available in Alyf.
  • Alyf reserves the right to terminate or suspend your access to Alyf at any time for violation of these GTCU or for any suspicious or illegal activity associated with your Alyf Account.

Limitation of liability

  • Alyf will not be liable for any direct, indirect, special, incidental or consequential damages resulting from the use of or inability to use Alyf, including but not limited to lost profits, business interruption, loss of data or loss of business opportunities. Add communications.

Applicable law

  • These GTCU shall be governed by and construed in accordance with the laws in force in Morocco.
  • Any dispute arising from these GTCU shall be submitted to the exclusive jurisdiction of the competent courts of Casablanca, Morocco.

By accepting these GTCU, you acknowledge that you have read, understood and agree to the terms and conditions governing the use of Alyf. If you have any questions about these Terms of Use, please contact us at support@paymob.ma.