These terms are legally binding.

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.

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Under 18s

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.

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How to contact us

• You can contact us through the live chat feature in your SadaPay app
• Email us at hello@sadapay.pk
• Send a letter to: SadaPay, Ufone Tower 9th Floor, Jinnah Avenue, Block F 7/1, Blue Area, Islamabad, Pakistan.

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How will we contact you

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.

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‍Making payments

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.

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• your instructions are unclear
• we suspect fraud or criminal activity on your account
• we’re not allowed to make the transfer by law
• in compliance with a court order, or other government or regulatory order
• it goes over your payment limits (you’ll find these in your app; they may change over time).

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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.

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‍Using your card abroad

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.‍

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Replacement Cards

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.

‍Fair Usage Policy

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.
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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.
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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.

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‍User Responsibility

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.‍

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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.

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‍You agree to us using your information

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 to us processing and storing 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).

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‍Charges outside our control

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.

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‍When we offer rewards

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.

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‍If something goes wrong

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).

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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:

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• it was taken after you froze your card in the app, unless you acted fraudulently or were negligent
• any money you lost due to our mistakes or inaccuracies

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

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• you gave us incorrect instructions or we can prove that the bank we sent your payment to received it (although we’ll still try to help you recover your money)
• you purposefully didn’t keep your phone, card or PIN safe, or you were negligent in not keeping them safe or if your account is in overdraft, or you gave them to someone else
  you acted fraudulently

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

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Negative Balance

If your account has a negative balance, any incoming payments will automatically be applied to clear the outstanding amount. SadaPay reserves the right to recover the owed amount from any other accounts you hold with SadaPay, including your SadaBiz account. SadaPay may transfer funds from any such account(s) without prior notice to the customer, to cover the outstanding negative balance.

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SadaPay shall not be held responsible or liable for clearing any negative balance that may arise in the Customer's account. By agreeing to these Terms, the Customer acknowledges that it is the Customer’s sole responsibility to clear any negative balance in their account. The Customer agrees to promptly repay any amount that causes their account to fall into a negative balance, including any fees or charges associated with the overdraft.

Your account balance may become negative for several reasons, including but not limited to:

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• Transactions involving fluctuating foreign exchange rates
• Late presentment of a Mastercard transaction
• Duplicate charges

If your account balance remains negative, you will have 30 calendar days from the date of the initial notification to deposit the outstanding amounts. Should the balance not be cleared within this timeframe, we will contact you via email or in-app messaging, providing you an additional 7 calendar days to clear the owed amounts. If no response is received, we reserve the right to issue a formal legal notice, specifying a final deadline for settling the outstanding balance. Failure to clear the outstanding amount within the specified time frame may result in a formal initiation of legal proceedings.

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SadaPay’s decision not to immediately enforce its rights under these terms shall not constitute a waiver of those rights and shall not preclude us from taking further action to recover the negative balance at a later date. 

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Closing your account

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.

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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:

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• broken the terms of this agreement
• broken the law or attempted to break the law
• put us in a position where we might break the law
• undertaken any activity or transaction which poses a threat to the Sadapay account or application security
• given us false inaccurate or un-authorized information at any time
• used your SadaPay account to pay for any illegal activities or abuse, engage in unlawful or fraudulent activities, exploit or get around any usage restrictions set by a service provider your SadaPay account is registered with
• a direct or indirect link with accounts associated with any fraudulent activity
• any suspicious account activity
• been abusive to anyone at SadaPay or a member of our community
• misused or abused any of our services in any manner whatsoever, including the app, website, and your SadaPay card

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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.

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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.

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‍How to make a complaint

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

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‍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

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‍Making changes to this agreement

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

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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).

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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.

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

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