SadaPay Private Limited (SadaPay/us/we) and you agree to these Terms and Conditions (the ‘Terms’) when using the SadaPay card, app and website. These Terms form a legally binding agreement between you and us. Please take the time to read them carefully.You should read this document along with our Privacy Policy.

‍

‍

If you are between 13-17 years old, you may only use SadaPay with the consent of your parent or legal guardian. Please be sure your parent or legal guardian has reviewed these Terms.

‍

‍

We’ll contact you in English, Urdu and Emoji via the SadaPay app, or through your email, phone or home address. Please let us know if any of these change!We also send you instant notifications when you spend or receive money.

‍

‍

You need enough money in your account to make payments. We may block or reverse any transaction, even after funds have been credited to your account.

If we block or reverse a payment, we’ll let you know as soon as possible, using one of our usual channels (see ‘How will we contact you’ above).
You can find information on all your transactions in your feed.

‍

‍

Your SadaPay card should work anywhere around the world where Mastercard is accepted. When you use your card to make a payment in a foreign currency, we aim to offer you the cheapest exchange rate in the country. Additionally, we charge a very competitive flat fee of only Rs. 70 plus tax on international card transactions.

‍

‍

You will be able to order a replacement card where your card expires, is faulty when you receive it, has been stolen, has been swallowed by an ATM, or we have canceled your card because we are concerned about fraud.

‍

There is no limit to the number of times you may order a replacement card. However, where it is clear that this facility is being misused or abused, we reserve the right to reject reissuance and/or suspend/close your account.

‍

‍

SadaPay endeavors to provide seamless and efficient services to our users. Card declines, especially if excessive, result in network fees to SadaPay. To maintain the quality of our services and ensure fair usage, we reserve the right to take the following actions in cases of repeated or excessive declines:

‍

1. Passing Fees to Users: SadaPay may pass on the network fees associated with card declines to the user’s account. Users will be duly notified in such instances.
   ‍
2. Disabling Online Transactions: In cases of persistent card declines, especially in online transactions, we reserve the right to temporarily disable online transactions on the user’s card. This measure aims to prevent further network fees and encourage responsible card usage.
   ‍
3. Account Suspension: In extreme cases where excessive declines impact the overall integrity of our services, SadaPay may suspend the user’s account. This action will be taken only after thorough consideration and communication with the user regarding the reasons and potential remedies.

‍

‍

We encourage users to monitor their account activity, ensure sufficient funds, and promptly address any issues leading to card declines. By using SadaPay services, users agree to adhere to this fair usage policy regarding card transactions.

‍

This fair usage policy is in place to sustain a reliable and cost-effective service for all our users. We appreciate your understanding and cooperation.

‍

‍

By accepting these terms, you agree to us using your information to make and receive payments on your account. By using SadaPay, you also consent for us to process and store your personal information in data centers outside of Pakistan (your personal data will always be protected by encryption and/or anonymization). If you’re no longer happy for us to use or store your information, we’ll have to close your account. But we may keep your personal data and use it where we have lawful reasons to do so (see our Privacy Policy).

‍

‍

You may have to pay other costs, taxes or charges in relation to your SadaPay account, which are outside of our control and not charged by us. For example, other banks may charge you for sending money to your SadaPay account.

‍

‍

Sometimes we’ll offer rewards for things like inviting friends to join SadaPay. We can withdraw or change these offers any time, without letting you know in advance. You’ll only get financial awards once per action (for example you’ll only get a bonus for once per friend you invite). You might have to pay income tax on money you get as part of these rewards. Contact the Federal Bureau of Revenue if you’re unsure.

‍

‍

Please keep your phone, card and PIN safe at all times. If we discover any security issues affecting your account, we’ll contact you as soon as possible in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

If your card is lost or damaged, or you see transactions in the app that look wrong, please freeze your card in the app and tell us as soon as possible.

We’ll usually refund you any money if:

But you won’t be able to claim back money you’ve lost if:

If someone pays money into your account by mistake you give us permission to return it

‍

‍

You can close your account at any time. If you’d like to, please get in touch with us. You’ll need to repay any money you owe us before we can close your account. Once we’ve closed it, your card won’t work and you won’t be able to access your account.

We can also suspend or close your account. Usually, we will do so by giving you at least one months’ notice. However, we may close your account or stop you from using your card and app immediately if we believe you have:

Moreover, monitoring suspicious transactions is essential to our function. You must comply with any request to provide additional information concerning any transaction that you have carried out, within a reasonable time frame. Failure to do so may result in suspension or closure of your account.

If we exercise our rights to limit or refuse your access to our services, we will not be responsible for any consequences of our refusal, including any delay, damage or inconvenience you may suffer as a result.

‍

‍

If you have a complaint, please contact us and we’ll do our best to fix the problem (see ‘How to contact us’ above).

‍

If you’re still not happy, you can refer your complaint to the Consumer Protection Department. For more details, you can visit their website at http://www.sbp.org.pk/cpd/CPD.asp

‍

‍

This agreement will always be available in the app and on our website. We can make changes to it from time to time.

‍

If we make changes to it that are clearly in your favor, we’ll tell you once we’ve made them. Otherwise, we’ll give you notice in the most secure way, using one of our usual channels (see ‘How will we contact you’ above).

‍

If you don’t agree to the changes we make, you can let us know and we’ll close your account. We’ll transfer any money in your account to another account of your choice. If you owe us any money, you’ll need to pay it back. If we don’t hear from you, we’ll assume that you’re happy with the changes we made.

‍

The laws of Pakistan apply to this agreement and any disputes will be settled by the courts of Pakistan.