Walletii Gift Cards – Terms & ConditionsWalletii Customer Terms

Our full company name, address and commercial details are: OFT TUNISIA

Building Mirmar, 2nd Floor, Block A, A2-2, Yen Avenue, 1053 Les Jardins du Lac 2, Tunis, Tunisia

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National Business Registry Number: 1938275V

These terms set out important things you need to know about using your walletii account. When you register as a walletii customer, you accept these terms and enter into a legally binding agreement with Tunisia OFT, which provides the walletii service.
‍You can always download the most recent copy of these terms from our website. When we need to make changes to these terms, we will notify you by email or within the walletii app.
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You can open a walletii account if you:

• have full legal capacity to enter a contract, and
• are 18 years old or over

You can't open a walletii account if you:

• are doing so on someone else’s behalf,
• already have a walletii account, or
• have any reason that walletii is unable to grant you an account under the law

If you open a walletii account on someone else’s behalf, in breach of these terms, you will be responsible for any losses that may arise from this.

You can create and access your walletii account in two ways, either by downloading our mobile app or by visiting one of our authorized agents who will assist you with the registration process in person. Transactions and registration can be completed either at an agency or through an authorized payment agent, contracted by OFT Tunisia to provide the walletii service to customers.

Registration. On the walletii app, you’ll be asked to provide a mobile phone number to get started. We’ll ask you to verify that you own the mobile phone number by entering a six-digit one-time password (OTP) we send by text to that number.

Protect your OTPs! You should note that we use OTPs to verify your number, and later we send them to you to verify transactions. These OTPs protect your account – we’ll never ask you for them outside the app, and you should never share them with anyone.

During registration, you are asked to enter a number combination as your passcode, which you will use to log on to your walletii account. You can also choose to use the face ID, fingerprint or other biometric log-in features on your mobile phone to log on to your walletii account.

You can explore the walletii app as soon as you register, butbefore we can let you send and receive money using walletii,

To get verified, we’ll ask you to present a valid Tunisian identity card or Tunisian expatriate resident card and share a smart selfie.

Your registration can be rejected, for example because of invalid ID proof, unclear selfie, insufficient data or any other reason if you do not meet the registration requirements.

You should keep your details in the walletii

Account types and limits. You can open a basic account (level 1 and 2) through the Walletii app, but to open a level 3 account, you will need to present your ID in person at our branches.

Your walletii account will be registered with the Central Bank of Tunisia and linked to the mobile number you provided during registration. You should note that, under the MPSCC payment network, only one wallet can be set as the default wallet for a mobile phone number. If you change your default wallet, walletii will no longer receive money via your mobile number but can still receive money via the alias you set.

Walletii uses the National Mobile Switch, an interoperable payment network provided by “Monétique Tunisie” with the support of Central Bank of Tunisia to send and receive money from any other PSP wallet.Once your application has been accepted and you have successfully registered, you may carry out transactions using your available walletii balance. You can use your walletii account to:

• Receiving inward remittance

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Withdraw money. You can withdraw money through an authorized agent or ATM services.

The walletii app also allows you to:

You are the only person entitled to the money in your walletii account.

We make changes to the walletii app and our services from time to time. Unless we say otherwise, any new service will be subject to these terms.

When you enter the details and swipe the app to confirm, you initiate a transaction to send or receive money. We call this transfer instruction.

We check to see if your transfer instruction is authorized with security protections that include your log-in, face ID or fingerprint, and a one-time passcode. We describe the protections required based on transaction type and amount in Transfer Limits and Authorizations, and they may change from time to time.

If we receive a transfer instruction that has passed these security protections, we will consider it to be an authentic instruction from you, and you are financially responsible for it. walletii is not responsible for any fraud or misuse that may be caused by executing a valid, authorized transaction.

You can tell when your transaction is successful because you’ll receive a notice in the walletii app and a text message with the amount paid, your new balance and a transaction number, used to identify all transactions carried out in your walletii account.

Please use your walletii account and the app responsibly. You can’t use them:

• for anything that’s against the law (e.g., fraud, money laundering or other crimes) or is harmful or disrespectful to others, including any form of abuse of us or our staff
• for any commercial business use, either directly or indirectly (walletii accounts are for personal use only)
• in a way that your or our banking, card or payment providers or other similar third party would see as an abuse of the payments system or
• in a way that is unfair or abusive of any rewards or refunds processes we operate

All the information you may need about your walletii account, including your transaction history, charges and fees, is available in your walletii app. A transaction statement is downloadable via the application, with a maximum history of 180 days. You can also check the FAQs for advice.
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We may contact you by text or call you, using the mobile number you provide. We may also email via the address provided.

Our Fee Guide sets out any fees that we may charge you for a transaction. This is based on the services you use, so please make sure you check and understand any applicable fees that may apply. The Fee Guide forms part of these terms, and you can always access the most up-to-date version on our website in both Arabic and French.  

If you owe us money, either for fees or transactions that you have made using walletii, we may immediately charge the amount you owe to your available balance. This includes money that you owe us as a result of us funding your payment, or if we incur a loss as a result of your fraudulent, careless or grossly negligent behaviour. We reserve the right to collect the amount of your debt to us using any payments received to your account. We may also recover amounts you owe us through legal means, including by using a debt collection agency.‍

What you should know about your walletii account

Your money is always held in an account separate from our own. This is known as safeguarding. It is required by law and ensures that your money is protected and returned to you in full if we decide to cease operations or if you decide to redeem your walletii account.
‍13. Transaction limitsYou are allowed to open one of the three types of accounts as defined by current legislation. Each type of account has specific transaction limits as well as a fixed daily withdrawal limit.

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To manage risks for both you and us, we apply limits on:

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• The amount you can hold in your wallet,
• The amounts you can spend,
• Daily and transaction limits.

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These limits are detailed in the "Transaction Limits and Authorizations" section available on our website. We will refuse any transaction that exceeds these limits.

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These limits may be modified from time to time. Other limits may also be imposed by the Central Bank of Tunisia at its sole discretion, which is beyond our control. We are committed to informing you of any potential changes.

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‍14. Partner services

Walletii offers access to a variety of partner services. When you use those services, we share a link to their terms, and those will also apply to the transaction.

‍15. Your responsibility for losses

‍You’ll be responsible for all losses where:

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If you don’t tell us as soon as you realize that your walletii account, app or device has been lost or stolen, when you think or suspect that someone else knows your security details, or when there have been unauthorized transactions on your walletii account, you may be responsible for the transactions. We’ll try to help, but we can’t guarantee that you’ll be refunded.We strive to keep walletii working as smoothly as possible, but there may be times that it is unavailable or not working as expected, for example:

We will inform you on the walletii app when our services are down and when they are usable again. If you try to make a transaction when our services are down, please be aware that it’s at your own risk.If you notice bugs or issues with the walletii app, you can report them to us at +216 36 600 000. If you continue to use the app after you notice a bug, any transactions are at your own risk, and we won’t be responsible for any losses you suffer as a result.If you promptly report an unauthorised transaction. If you make an error. If you haven’t received the services. If you don’t receive the services, you pay for through walletii via one of our payment partners, you can dispute it by calling or emailing us. We will investigate, and if we find that you were charged but didn’t receive the service, we will refund your money within our documented timelines. All refunds are credited to your walletii account.

It is your responsibility to keep your walletii account, security details and the phone you use to access your account safe.

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Walletii reserves the right to share information about you with law enforcement or the Central Bank of Tunisia, as a preventive measure or to help recover losses.

We will use your personal data to make and receive payments on your account and operate our services. Customer records and data for the walletii app and your transactions are held in Tunisia. To learn more, make sure to read the walletii Because we send important notifications and information to you via the walletii app, and the proper functioning and security of the app relies on updates from time to time, you agree that you will keep the walletii app on your mobile phone up to date.We may need to contact you urgently if we suspect or find fraudulent activity has occurred on your account (provided we are not prohibited from doing so by law) or if we suffer a security threat. When we contact you, we will also give you information on how you can minimize any fraud risk to your walletii account depending on the nature of the fraud or security threat.

The walletii app may require maintenance, and during that time it may not be possible to process a transfer instruction. This could result in delays or failure in the processing of instructions. Walletii is not responsible for failure or inability to honor a transfer instruction.

• Security – we’re concerned about the security of your walletii account, for example if you haven’t satisfied our identity or security checks
• Fraud – we suspect fraud on your account
• Law or regulation – we need to comply with the relevant law or regulation
• Available balance – you don’t have enough available balance in your walletii account to cover the transaction and related charges
• Transaction limits – your transaction is outside of transaction limits
• Your actions – you’ve breached these terms, you’ve failed to provide us with information we’ve asked for, or your account has been blocked for any other legitimate reason
• Third parties – if a third party (e.g. a card network or a payment partner) prevents us from making the payment.

25. When we can block, suspend or close your accountWe’ll block your account if we have reasonable concerns about your account’s security or suspect unauthorised or fraudulent use of your walletii account, where our legal obligations require us to do this or where you owe us money.Suspension and closure. We may immediately suspend or close your account for several reasons, including where:

26. What happens to inactive accounts?An account is considered inactive after 6 months without transactions. After 6 months of inactivity, and following prior notification to the client, the account is reclassified as dormant.

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Reactivation of dormant accounts requires a new KYC verification.
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If the account remains inactive for six months after being classified as dormant, the Operations team will proceed with the automatic closure of the account, following prior notification to the client. If a positive balance exists, the funds are transferred to an "Internal Dormant Funds Holding Account." After a certain period, these funds may be transferred out of this internal account.

27. What happens when a wallet holder dies?
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If we are informed that a wallet holder has passed away, we will proceed with freezing the account. Once the estate has been settled, the authorized beneficiaries may request a refund of the remaining balance in the wallet, in accordance with the instructions provided by the next of kin. Once the wallet funds have been refunded, the account will be permanently closed.

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‍28. What happens when an account is closed?

‍If your walletii account is closed for any reason (for example, if it stays dormant for too long, if you’ve violated these terms, or if we have to close it to comply with law), then you’ll no longer have access to your wallet and it will be deregistered from the MPCSS.
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If you wish to use walletii after that, you’ll need to open a new account and go through the registration and verification process again.
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Unless we’ve closed your account for suspected illegal activities, you are entitled to recover the money left in your account. You can contact us to retrieve the funds, which we will refund to you within one month, minus any fees or charges that are due.
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If any balance remains on your account when we close it, you can request to have these funds returned to a bank account in your name, subject to our checks. You forfeit your rights to these funds if you do not claim them within 6 years from the date your account was closed. During this period your funds will be kept safe as required by law.

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We hope you don’t ever need to, but if you do want to complain, you can contact us at +216 36 600 000 or via the walletii app. We’ll try to fix your problem as soon as we can. Our final response to your complaint, or a letter explaining why the final response has not been completed, will be provided within 3 business days after your complaint has been made.

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If we can’t resolve your complaint, you have the right to raise a complaint with the Central Bank of Tunisia.  
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Just so you know, our complaints management and customer service are currently only available in Arabic and French.
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Remember that you have a limited number of days to dispute a transaction. After that, we’ll treat it as accurate and authorized by you.
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‍30. Information we’ll use in a dispute

‍In a dispute, we may disclose information about you, including the details of your transactions, so that we can investigate the dispute. Your consent shall survive the termination of the Service.
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You agree that in the event of a dispute or claim of any nature arising relating to any transaction, the records of the transaction will be used as a reference and shall be the sole basis for settling such dispute or claim.

You agree to comply with these terms and all applicable laws, statutes, rules, regulations, notices, instructions or directives of the relevant authorities or any notices, instructions, directives or guidelines we share in connection with the service. Use of walletii is subject to such other terms, conditions, rules and regulations as specified by the Central Bank of Tunisia or any other regulatory or governmental authority from time to time. You shall not use walletii for any illegal activity.

Tunisian law will decide any legal questions about these terms, and about our dealings with you with a view to entering into them.
‍The courts of Tunisia will have exclusive jurisdiction in relation to it. These terms are available in French and Arabic, but if the French and Arabic versions are inconsistent, the Arabic version will prevail.

‍Tunisia OFT owns all the intellectual property in the walletii products and services, including the app, website and logo. You agree you won’t use our intellectual property, except to use our products. Also, you agree that you won’t reverse engineer any of our products (that is, try to reproduce them after a detailed examination of their composition).
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