EVO E-Wallet Mobile Application

Terms and Conditions

Welcome to EVO E-Wallet mobile application (the “App“) a product by NeoNism SAL (the “Company”).

The present terms and conditions (the “Terms and Conditions”) govern the use of the App and constitute the agreement that operates between you and the Company with regard to your use of the App and the services offered thereon. The Terms and Conditions therefore set out the rights and obligations of all users regarding the use of the App. The access to and use of the App is thus conditioned on the acceptance of and compliance with these Terms and Conditions which shall apply to all visitors, users and others who access or use the App.

Please read these Terms and Conditions carefully before using our App.

  1. Acceptance of Terms:

By downloading, installing, accessing or using the App you agree to adhere to and be bound by these Terms and Conditions and you acknowledge that you have read, understood, and accepted them.

By accepting the Terms and Conditions, you are consenting to receive OTPs via SMS on your registered phone number.

By registering on the EVO e-wallet application, you acknowledge and agree that you are the sole and ultimate beneficial owner of the wallet account associated with your mobile phone number. You therefore assume full responsibility for all activities and transactions conducted on and through your wallet account, and acknowledge that no other person shall have any claim or authority over your account.

If you disagree with any part of these Terms and Conditions, then you may not access any service offered on the App and we hereby ask you to refrain from using the App.

  1. Account creation:

When you create an account on the App, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of these Terms and Conditions, which may result in immediate termination of your account on our App.

Please note that Any request for registration will be subject to a KYC procedure that shall inquire about your personal information related to your identity. Such procedure is in line with the laws and regulations in place and with the conditions set and amended, from to time, by the Banque du Liban (“BDL”) and the Lebanese Banking Control Commission (“BCCL”).

  1. Age Requirement:

By using the App, you represent and warrant that you are 18 years of age or older. Individuals under 18 are prohibited from using our App.

We will terminate the agreement if notified of an underage user.

  1. App Usage:

This App allows you to create an e-wallet account (the “Wallet”), manage electronic funds, make online transactions, and access a range of financial services that are or will be offered on the App.

We reserve the right to withdraw or amend the App, and any service or material we provide on the App, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the App is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the App, or the entire App, to users, including, but not limited to registered users.

You are responsible for making all arrangements necessary for you to have access to the App and for maintaining the hardware and software as required to use the App.

You are responsible for ensuring that all persons who access the App through your mobile device or internet connection are aware of these Terms and Conditions, have agreed to the Terms and Conditions, and that they comply with them.

  1. Data Privacy and Security:

Protecting your privacy and security is paramount. For this purpose, the Company maintains a comprehensive information security program that contains appropriate security measures to safeguard the data of the App users.

We collect and process your personal information in accordance with applicable laws and regulations. It is however your responsibility to maintain the security of your account credentials and promptly report any unauthorized access.

In the event that any user is found to have engaged in fraudulent activities or submitted duplicate claims, their account will be swiftly deactivated.

We may suspend or restrict access, at our own discretion, if we consider that security is compromised. We also have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if, in our opinion, you have failed to comply with any provision of these Terms and Conditions.

In line with applicable regulations and BDL requirements, personal data protection measures are applied, in particular:

1-    We take measures that ensure utmost safety for our customers’ personal data, in terms of protection, processing, storage, and legitimate use, in our capacity as Data Controller.

2-   In the event of contracting with any third party to process your data or to perform any transaction leading to its process (Processor), we will:

a-   Inform the customer that a third party shall process his/her/its personal data, and obtain from that customer an explicit, written and specified consent that is limited to the purpose for which this data was collected.

b-   Restrict the processing of customers’ personal data by a third party to the initial purpose for which it was assigned thereto; the personal data may not be processed at a later stage by the third party in a way that does not correspond to the stated and explicit purposes of the contract; and data shall be securely processed by the third party in accordance with the legitimate and necessary objectives of this assignment.

c-    Impose on the third party the highest security standards, to ensure the protection, safety, and storage of data, and to prevent its distortion or damage or access by unauthorized persons.

  1. Services:

The App offers, among others and unless amended by the Company at its own discretion, the following services:

  • Create a Wallet account
  • Send and Receive Money instantly
  • Pay your Bills and expenses
  • Track Expenses and Spending
  • Enhanced security
  • Earn Bonus Awards

In this regard, you acknowledge the following:

  • The services offered on the App are provided on an execution-only basis.
  • You are solely responsible for evaluating and timing your transactions, and you cannot treat our information as financial advice.
  • By using the App, you authorize the initiation of transactions based on your instructions. You are responsible for verifying the accuracy of transaction details before confirming.
  • You must always comply with all applicable laws and regulations in force, including any regulations issued by BDL and the BCCL.
  • Funding, payments and transfers are displayed in your account on the App and you should check your Wallet balance and transaction history regularly. You should report to the Company any irregularities or clarify any questions you have as soon as possible.
  • The balance of funds held in your Wallet and the amounts of the transactions performed on the App cannot exceed the account limits set by the Company at its own discretion that are, and shall remain, within the limits set by BDL regulations and/or approvals in place. We reserve the right, in our sole discretion, to: (i) reject a proposed transaction; (ii) limit the amount of a transaction; (iii) require additional information to complete a transaction; and/or (iv) take reasonable measures with respect to a transaction to comply with applicable laws and regulations.
  • When you initiate a transaction on the App, you authorize the Company to charge your Wallet or your designated bank account or your credit or debit card for the amount of such transaction, and the Company’s associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your transaction. If, for any reason whatsoever, the Company executes payment pursuant to your instructions and subsequently is advised that your designated credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you remain liable to the Company for the full amount of any such payment and the Company’s associated service charge. In addition, you authorize us to initiate debit and credit entries to your Wallet in connection with the requested transaction. You also authorize us to initiate credits and debits to correct errors. This authorization shall remain in full force and effect until we have received notification from you in writing of its termination.
  • The Wallet account is not a bank account or deposit account nor does the App offer the features and benefits of a traditional bank account or deposit account. There is no overdraft facility available on your Wallet and we shall not pay you any interest for any amount placed on the Wallet. We shall only hold the funds for your future use on the App.

–       Cash in – Cash Out:

  • You may cash-in your Wallet by (1) using your card (2) visiting our agents or (3) through our partner agents.
  • You may cash-out your Wallet by (1) visiting our agents or (2) through our partner agents.
  • Minimum and maximum cash-out/in will be set by the App and/or by the Cash-Out Partners.
  • You can find our Cash-Out network/Partners (and their location) on the App.
  • You acknowledge that in some Cash-Out Partners You might not be able to Cash-Out from your account and you are therefore kindly requested to select another Cash-Out Partner in order to Cash-Out the cash.
  1. Intellectual Property:

The App and its entire contents, features, and functionality, including, but not limited to, all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof, are owned by the Company, its licensors or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are permitted to use the App for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our site, except to (a) store copies of such materials temporarily in RAM; (b) store files that are automatically cached by your web browser for display enhancement purposes; and (c) print a reasonable number of pages of the App for a permitted use.

You must not (a) modify copies of any materials from the App; or (b) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the App.

You must not reproduce, sell, or exploit for any commercial purposes any part of the App, access to or use of the App, or any services or materials available through the App.

If you print, copy, modify, download, or otherwise use any part of the App in breach of the Terms and Conditions, your right to use the App will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the App or any content on such platforms is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the App not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws.

  1. Company Trademarks:

The Company and App’s name, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, brands, and marks are used for identification purposes only and are the trademarks of their respective owners.

  1. Liability and Responsibility:

The App’s services are provided “as is” without warranty of any kind, either express or implied. We are not liable for any losses, damages, or consequences resulting from your use of the App or any actions taken based on information obtained from it.

The use of the App and information transmitted in connection with the transactions is limited to the contemplated functionality. In no event may the App or the Company’s services be used in a manner that (a) harasses, abuses, stalks, threatens, defames or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, deceptive or otherwise violates any applicable local or international law, statute, ordinance or regulation; (c) uses technology or other means to access the Company that is not authorized by us; (d) use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” to access the App; (e) attempts to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (f) attempts to gain unauthorized access to the Company’s computer network or user accounts; (g) encourages conduct that would constitute a criminal offense, or that gives rise to civil liability; (h) violates these Terms and Conditions; (i) attempts to damage, disable, overburden, or impair the Company’s servers or networks or otherwise attempts to interfere with the proper working of the App; (j) infringes on our or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; (k) provides false, inaccurate or misleading information; or (l) may cause us to lose any of the services from our Internet service provider or other suppliers (collectively “Acceptable Use”). You further agree that you may not refuse to cooperate in an investigation or to provide confirmation of your identity or any information you provide to us in connection with your use of the App.

Without limitation to the foregoing, the App provides no warranty or undertaking, and makes no representation of any kind that any service offered thereon will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

  1. Changes and Updates:

We reserve the right to modify, suspend, or discontinue any aspect of the App at any time at our sole discretion. We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. We will notify you of significant changes via the App or other means as appropriate.

By continuing to access or use the App after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the App.

  1. Termination:

We reserve the right to suspend or terminate your access to the App if you violate these terms or engage in fraudulent or unauthorized activities. Termination shall not affect prior transactions or outstanding obligations.

We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the App, and (b) suspend or terminate your access to all or part of the App for any or no reason, including without limitation, any violation of these Terms and Conditions. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone affecting a transaction on or through the App.

  1. Warranties:

You represent and warrant that you have legal title to all funds used through the App.

You represent and warrant that all data provided by you is accurate.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the App or any services or items obtained through the App.

Your use of the App, its content, and any services obtained through the Application is at your own risk.

Except to the extent required by law, neither the Company nor anyone associated with the Company represents or warrants that the App, its content, or any services or items obtained through the App will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that the App or any services or items obtained through the App will otherwise meet your needs or expectations.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

  1. Liability and Limitation on Liability

You are responsible for any chargeback, claim, reversal, fee, fine, penalty, and other liability incurred by us, another user of our services, or a third party caused by or arising out of your breach of these Terms and Conditions, and/or your use of our services. You agree to reimburse us, another user, or a third party for any and all such liability.

Except as otherwise required by law, our liability is limited to the U.S. dollar amount showing in your Wallet at the date and time of your claim. Except as provided in the previous sentence, in no event will the Company, its affiliates or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the App or any websites or mobile applications linked to them, any content on the App or such other websites or mobile applications or any services obtained through the App, or such other websites or mobile applications, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable

Notwithstanding the limitation of liability in this clause, the Company will not be liable if (a) through no fault of the Company, you do not have enough funds available in your Wallet, bank account, debit card account, or credit card account to complete any transaction; (b) the paying agent or recipient refused to accept your transaction request; (c) the paying agent or recipient refused to complete the transaction; (b) the paying agent or recipient refused to accept your transaction; (c) your funds are subject to legal process or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to the Company; or (e) if your use is not an Acceptable Use.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

  1. Indemnification

You agree to defend, indemnify and hold harmless the Company, its affiliates and licensors, and their respective officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) resulting from your violation of these Terms and Conditions or your use of the App, including, without limitation, any use of the App’s content or services other than as expressly authorized in these Terms and Conditions or your use of any information obtained from the App, or your negligence, fraud or willful misconduct.

  1. Links to Other Websites

Our App may contain links to third-party web sites or services that are not owned or controlled by the App. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.

  1. Governing law and jurisdiction:

These Terms and Conditions shall be governed by, construed and take effect in accordance with the laws of Lebanon.

If you have any concern or dispute about the App, you agree to first try to resolve the dispute informally by contacting the App customer service.

All disputes that cannot be amicably resolved arising in connection with these Terms and conditions shall be submitted to the exclusive jurisdiction of the Beirut courts.

  1. Changes to These Terms and Conditions

We reserve the right, in our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect via the App. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the App and the services.

  1. Contact Us:

If you have any questions, concerns, or need assistance regarding the App or these terms, please reach out to our customer support team through the provided channels

Email: Support@35s.6ff.myftpupload.com

Phone Number: 81 – 76 73 76