3. PLEXPAY SERVICES

Once you've opened an Account, you can use the PlexPay App, the website, or a "Virtual Card" if one has been issued to you to hold, send, and receive money. The services offered will consist of:

Sending and receiving money to other accounts is enabled. You can send payments to any different account user, and any other account user can send payments to your account. Also, you can give "monetary gifts/ cash gifts" to other Account users, which enables you to choose how a payment should be divided among a group of Account users or another Account user. A "monetary gift" from another Account user may also be sent to you at their request.

Transferring money domestically and internationally: You are able to transfer funds from your Account to the designated bank accounts of recipients who are based in the UAE or elsewhere. We will use the exchange rate in effect at the moment and inform you in advance if you want to send money in a currency other than the one held in your Account. The rate that is applied will also be shown in your transaction history. We will return the money to you and exchange it back to the original currency if the transfer fails and a currency exchange was necessary. This implies that the amount credited back to your Account may be less or greater than what you originally paid. If this results in any losses for you, we are not responsible.

Making Purchases: You may use our e-commerce service, the QR Code functionality of the PlexPay App (which will require access to the camera on your device), or both to make purchases from specific participating merchants (collectively, "Merchants"). In the PlexPay App, a complete list of participating Retailers is available. For further savings on any purchases made using the PlexPay App as well as for mobile top-up or payments, sign up for our Green Points PlexPay loyalty program. You can use a Virtual Card to make purchases from third parties when appropriate, but only if the third party vendor accepts payments using the card scheme associated with that Virtual Card. The Merchant will be the one to handle all shipping and delivery of the acquired products.

Please be aware that if you make a purchase using your PlexPay Wallet or a Virtual Card from a Merchant or third-party seller and the transaction is finally refunded, the money will generally be returned through the original payment method you used for the purchase. In general, refunds to the remaining balance in your PlexPay Wallet are performed within one (1) business day. Refunds to additional cards connected to your Account are typically completed in fourteen (14) business days, but in some cases they could take up to thirty (30) days (business days).

• Paying Bills : You can pay a bill that is due or ask another Account user to make the payment on your behalf. Alternately, you can be asked to pay a charge on behalf of another Account user.
• Adding or Removing Value :In addition to the methods just mentioned above, there are more ways to add to or remove value from your account. This involves through means of:
• A bank transfer to or from the bank account you specify;
• A payment method, such as a debit or credit card (we accept payments using Visa and MasterCard credit/debit cards in AED (or any other agreed currency));
• A cash payment via a PlexPay designated kiosk; a cash deposit or withdrawal from a merchant's premises (note that this is not available at all merchants); and, in cases where your employer has joined the Wages Protection Scheme of the UAE Central Bank, you can also top-up by selecting to receive your salary directly into your payment method, such as a debit or credit card (we accept payments using Visa and MasterCard credit/debit cards in AED (or any other agreed currency)); a cash payment via a PlexPay designated kiosk; a cash deposit or withdrawal from a merchant's premises (note that this is not available at all merchants); and, in cases where your employer has joined the Wages Protection Scheme of the UAE Central Bank, you can also top-up by selecting to receive your salary directly into your accoun
• Message other Account users: if it is connected to the performance of one of the aforementioned Services. This feature is strictly adjunct to certain of the aforementioned Services.

The restrictions set forth in these Terms apply to the Services. If you violate these Terms, we reserve the right to immediately disable the Account and your access to the PlexPay App.