General Terms of Service

Effective Date: 25th of March, 2021

1. THESE TERMS AS A FRAMEWORK AGREEMENT

1.1. These Terms constitute a framework agreement which sets out the terms of (a) you and us entering into Halal Financial Group Limited Transaction(s); and (b) the use of the Halal Financial Group Limited Dashboard and other Halal Financial Group Limited Services. Before you can enter into Halal Financial Group Limited Transactions and benefit from the Halal Financial Group Limited Services with us you are required to:

- read these Terms and tick the box confirming the accuracy of the information provided and your agreement with these Terms; and

- provide us with such documentation, photographs and information as we may reasonably request to comply with our regulatory obligations.

1.2. These Terms incorporate the Website Terms, the Cookie Policy, the Privacy Policy, the Website Acceptable Use Policy, the Mobile App Terms and any Supplements by this reference. By accepting these Terms, you are deemed to have accepted the terms and conditions of our third-party service providers including but not limited to, for the avoidance of doubt, the relevant Halal Financial Group Limited Cardholder Terms.

1.3. Once you have completed the above and you have passed our internal checks, we shall make the Halal Financial Group Limited Dashboard available to you.

1.4. You confirm that you have provided the correct Information during the process of creating a Halal Financial Group Limited Account. You undertake that, if your details change, you will notify us immediately. You shall bear any losses that occur due to the submission of invalid, incorrect or inaccurate Information.

2. REGULATORY INFORMATION

2.1. These Terms are between you (the “User”, “you” or “your”) and Halal Financial Group Limited. (“Halal Financial Group Limited”, “we”, “us” or “our”). Halal Financial Group Limited is a company incorporated in England and Wales with company number 11246175 and whose registered office is at Devonshire House, One Mayfair PI, Mayfair, London W1J 8AJ, United Kingdom and head office is at Devonshire House, One Mayfair PI, Mayfair, London W1J 8AJ, United Kingdom. Halal Financial Group Limited is the issuer of Electronic Money in your Halal Financial Group Limited Electronic Money Account and performs the payment services related to your Halal Financial Group Limited Electronic Money Account. Halal Financial Group Limited is authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money. We are included in the FCA’s Register of Electronic Money Institution firms (Firm Reference Number 900562) which can be found on the FCA website.

2.2. The Halal Financial Group Limited Cards are issued by Halal Financial Group Limited a company incorporated in England and Wales with company number 11246175 and whose registered office is at Devonshire House, One Mayfair PI, Mayfair, London W1J 8AJ, United Kingdom. Halal Financial Group Limited is authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money. Halal Financial Group Limited is included in the FCA’s Register of Electronic Money Institution firms, which can be found on the FCA website. By agreeing to these Terms, you are deemed to have agreed to the relevant Halal Financial Group Limited Cardholder Terms as stipulated by Halal Financial Group Limited (acting as Card Issuer).

2.3. We are also subject to the Payment Services Regulations 2017 (the Regulations) which regulate how payments must be transmitted and provide protection when you send money to an account within the European Economic Area (EEA) and the payment is in Euros, Sterling or another EEA-State currency.

2.4. These Terms are separate and independent from the Halal Financial Group Limited Cardholder Terms which govern your use of your Halal Financial Group Limited Card.

3. COMMENCEMENT, TERM AND YOUR Halal Financial Group Limited ACCOUNT

3.1. These Terms shall commence on the day that Halal Financial Group Limited confirm to you via the Mobile App that your Halal Financial Group Limited Account has been approved and shall continue until terminated in accordance with Clause 33 (Amendments to these Terms) and/or Clause 36 (Termination).

3.2. Your Halal Financial Group Limited Electronic Money Account is an account in which Electronic Money, which Halal Financial Group Limited has issued to you in exchange for receiving money from you or on your behalf, is stored. The Electronic Money in your Halal Financial Group Limited Electronic Money Account may be used by you to enter into:

- Halal Financial Group Limited Dashboard Transactions; and
- Halal Financial Group Limited Card Transactions.

3.3. You may be required to provide supplemental information to us to be able to use all of the functionality available.

3.4. When we hold Electronic Money for you, us holding the funds corresponding to the Electronic Money is not the same as a Bank holding money for you in that: (a) we cannot and will not use the funds to invest or lend to other persons or entities; (b) your Electronic Money will not accrue interest; and (c) your Electronic Money is not covered by the Financial Services Compensation Scheme. The funds corresponding to Electronic Money will be held in one or more segregated bank accounts separately from our own funds, in accordance with the provisions of the Electronic Money Regulations 2011.

3.5. You are able to store multiple currencies in your Halal Financial Group Limited Electronic Money Account. These currencies are subject to change from time to time.

3.6. We may stop your access to the Halal Financial Group Limited Dashboard and/or the Halal Financial Group Limited Card on reasonable grounds relating to:

- the security of the Halal Financial Group Limited Dashboard or the Halal Financial Group Limited Card;
- the suspected unauthorised and/or fraudulent use of the Halal Financial Group Limited Dashboard or the Halal Financial Group Limited Card.

If we do stop your access in such instances, we will inform you via the Mobile App and direct you to our customer services team via the chat function on the Halal Financial Group Limited Dashboard.

4. PREMIUM SERVICES

4.1. If you choose to become a Premium User:

- we shall provide you with the Premium Services; and
- you shall pay us the Premium Subscription Fees.

Payment for Premium Services

4.2. Unless you notify us with appropriate notice before the next due date of your Premium Subscription Fees that you want to cancel your Premium Subscription, we will automatically charge you the then-applicable periodic Premium Subscription Fees using your preferred payment method.

4.3. If your preferred payment method becomes invalid during your subscription period, or if the charge is refused for any other reason outside our control, you authorise us to use any other payment method we have on file in your Halal Financial Group Limited Account, in accordance with clause 17 (Your Balance and Negative Balances). If all of your payment methods on file are declined or we are unable to exercise our right of set-off in accordance with Clause 22 (Our Right to Set-Off), you must provide us with a new eligible payment method within 30 days or your Premium Subscription will be cancelled.

Cancellation and refunds

4.4. The Premium Subscription Fees are non-refundable except as expressly set forth in these Terms.

4.5. You may cancel the annual renewal of your Premium Subscription at any time by providing us with one calendar months’ notice. Upon such notice, you will be required to contact our customer support team via the chat function on the Halal Financial Group Limited Dashboard. If neither you nor anyone authorised by you to use your account has taken advantage of any Premium Services in the current membership period, we will refund you the Premium membership fee in full. Otherwise you may be eligible for a partial refund of this membership fee based on benefits usage by you or anyone authorised by you to use your account in your current membership period.

4.6. By signing up for a Premium Subscription, you expressly request for the subscription period of the relevant Premium Services to commence from the moment that your Premium Subscription is confirmed. For the avoidance of doubt, in the event that we offer a one-month free trial promotion in relation to the Premium Services, the Cooling-off Period will begin immediately from the moment that we make the Premium Services available to you on the Halal Financial Group Limited Dashboard.

4.7. If you cancel the Premium Services anytime outside of your Cooling-Off Period and signed-up to a:

- monthly payment plan then your cancellation will serve as notice to pay the £14 Monthly Plan Break Fee if you cancel within the first ten (10) months. If you cancel in month eleven (11) you will pay £6.99 and retain your subscription for the remaining period of your 12-month payment plan. Example: If you started the Monthly Payment Plan on 1st January, you are able to give notice to cancel early and pay the £14 Monthly Plan Break Fee on any day prior to 30th October.

- yearly payment plans you will still be charged the annual fee in relation to the Premium Services,

- in both cases, you will not be entitled to a refund of the cost of your Premium Halal Financial Group Limited Card due to our provision of the Premium Services during this time.

If you would like to cancel the Premium Services at any time, please contact our customer support team via the chat function on the Halal Financial Group Limited Dashboard and complete a Premium Subscription cancellation form. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Cooling-Off Period

4.9. If you paid for your Premium Subscription at the point of subscribing for the Premium Services you may withdraw within 14 days. If neither you nor anyone authorised by you to use your account has taken advantage of any Premium Services in the current Premium membership period, we will refund your Premium membership fee in full. Otherwise, we will issue you a partial refund based on use of the Premium Services during that time by you or anyone authorised by you to use your account. For the avoidance of doubt, the order and delivery of a Premium Halal Financial Group Limited Card will be considered a Premium Service for these purposes.

4.10.To cancel the Premium Services within the Cooling-Off Period, you can adjust your membership settings by contacting our customer support team via the chat function on the Halal Financial Group Limited Dashboard. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Acceptance of membership

4.11. We reserve the right to accept or refuse your Premium Subscription, to the extent permitted by applicable law.

4.12.Upon termination of these Terms, Premium Subscription Fees paid to us for the Premium Services shall be apportioned up until the time of termination of the contract and any Premium Subscription Fees paid in advance shall be reimbursed to you proportionally.

5. THE Halal Financial Group Limited DASHBOARD

5.1. The Halal Financial Group Limited Dashboard is our portal where you can, among other things:

- perform Top-Ups via Stored Card, Electronic Money Exchanges, Instant Transfers and Halal Financial Group Limited Bank Transfers including recurring transfers (once accepting all charges as displayed on the Halal Financial Group Limited Dashboard);

- review and accept or decline Instant Transfers;

-verify your identity with us;

-view your Halal Financial Group Limited Transaction History;

- view the balance and currency of the Electronic Money you hold in your Halal Financial Group Limited Electronic Money Account;

- enable or disable your Physical Halal Financial Group Limited Card, change the PIN on your Physical Halal Financial Group Limited Card and access other security features;

- enable and disable location tracking; and

- enter the details of your User Online Account and your Stored Card(s)

5.2. You may access the Halal Financial Group Limited Dashboard via the Mobile App.

6. YOUR Halal Financial Group Limited CARD

6.1. If you register as a Standard User, once you have been accepted as a Halal Financial Group Limited Account holder, we shall allow you to issue your Halal Financial Group Limited Card, subject to any issuance charges as set out in Schedule 2 of these Terms.

6.2. If you are or become a Premium User, you may be issued with your choice of Premium Halal Financial Group Limited Card, subject to any issuance charges as set out in the Fees Section. You may request that we issue you with a spare Premium Halal Financial Group Limited Card in which case, we may issue you an additional Premium Halal Financial Group Limited Card, subject to any issuance charges as set out in the Fees Section.

6.3. Your use of the Halal Financial Group Limited Card is subject to the Halal Financial Group Limited Cardholder Terms.

6.4. You may activate and de-activate a Physical Halal Financial Group Limited Card using the Halal Financial Group Limited Mobile App. Failure to disable the Physical Halal Financial Group Limited Card upon becoming aware of it being lost or stolen may mean that you lose your right to any compensation for an unauthorised Halal Financial Group Limited Transaction.

7. VERIFICATION OF IDENTITY

7.1. You agree to cooperate with all requests made by us or any of our third-party service providers on our behalf in connection with your Halal Financial Group Limited Account, to identify or authenticate your identity or validate your funding sources or Halal Financial Group Limited Transactions. This may include, but not limited to, asking you for further information that will allow Halal Financial Group Limited to reasonably identify you, including requiring you to take steps to confirm ownership of your phone number or payment instruments or verifying your Information against third party databases or through other sources.

7.2. We reserve the right to close, suspend, or limit access to your Halal Financial Group Limited Electronic Money Account and/or the Halal Financial Group Limited Services in the event we are unable to obtain, verify such Information or you do not comply with our requests under 7.1 of these Terms.

7.3. We may confidentially verify the information you provide us with or obtain information on you ourselves or through third parties from secure databases. Some of the searches which we or a third party may perform, such as a credit check, may leave a soft footprint on your credit history. This will not affect your credit rating. By entering into these Terms, you confirm that you consent to us or a third party on our behalf carrying out such verifications.

7.4. You must ensure the information on your Halal Financial Group Limited Account is always accurate and up to date. If at any time we believe that your information is outdated or inaccurate, we may contact you and request further information or request that you go through the verification process again. Your Halal Financial Group Limited Transaction Limit will be adjusted accordingly while we verify yours identify. We shall not be liable for any losses arising out of your failure to maintain up to date information.

8. TOP-UPS TO YOUR Halal Financial Group Limited ELECTRONIC MONEY ACCOUNT

8.1. In order to Top-Up the Electronic Money in your Halal Financial Group Limited Electronic Money Account, you will need to perform a Top-Up via a Stored Card, or via a User Bank Transfer or via a Third-Party Bank Transfer or any other method we make available to you from time to time.

8.2. We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can receive through the Halal Financial Group Limited Services. In order to lift your receiving limit, you must provide us with any supplemental information we request. If you have a Top-Up limit on your Halal Financial Group Limited Electronic Money Account, you may be able to view it by logging onto your Halal Financial Group Limited Dashboard and accessing the Profile section.

Top-Ups via Stored Card

8.3. In order to Top-Up via a Stored Card, you will need to add the details of the Stored Card onto your Halal Financial Group Limited Dashboard. You may only add details of your Stored Cards to your Halal Financial Group Limited Dashboard if you are the named holder of Stored Card. The purchase of Electronic Money via Stored Card will be for the amount and the currency defined by you.

8.4. You have the option of using the automatic Top-Up function. You can set up or cancel this function at any time using the Halal Financial Group Limited Dashboard. The automatic Top-Up function allows you to automatically Top-Up your Halal Financial Group Limited Electronic Money Account if the balance of your Halal Financial Group Limited Electronic Money Account drops below a certain amount, which you set on the Halal Financial Group Limited Dashboard. The Top-Up will use the Stored Card you choose when you enable the automatic Top-Up function. Please make sure that there is enough money for the Top-Up in the account your Stored Card is linked to.

Top-Ups via User Bank Transfer and Third-Party Bank Transfer

8.5. You may also fund your Halal Financial Group Limited Electronic Money Account by entering into a User Bank Transfer or a Third-Party Bank Transfer.

8.6. To perform a User Bank Transfer within the Halal Financial Group Limited Dashboard, you will be required to add and verify your bank account (and subject to the terms of the bank mandate used by your bank to set up and maintain the authority), you provide us with a continuous authority to perform the User Bank Transfer and automatically charge your bank account to Top Up your Halal Financial Group Limited Electronic Money Account. Only named holders of the bank account can add the details to the Halal Financial Group Limited Dashboard.

8.7. By performing a User Bank Transfer within the Halal Financial Group Limited Dashboard we will hold the Top Up amount on your Stored Card until your bank has settled the amount.

8.8. If you perform a Top Up via a User Bank Transfer which is activated within the Halal Financial Group Limited Dashboard and it is not completed due to insufficient or uncollected funds, you agree to reimburse us for the value of the User Bank Transfer. To reclaim the amount owed to us under this Clause 8.8, we may exercise our right to set-off, pursuant to Clause 22.

8.9. You can, at any time, cancel the bank mandate required to perform a User Bank Transfer within the Halal Financial Group Limited Dashboard and withdraw your authorisation under Clause 8.6, by contacting us via the chat function on the Halal Financial Group Limited Dashboard or writing to your bank or building society. If you cancel or withdraw your authorisation under this Clause 8.9, we reserve the right to recover any outstanding or pending funds, pursuant to Clause 21.

8.10. Upon our receipt of the amount sent via User Bank Transfer (either performed within or outside of the Halal Financial Group Limited Dashboard) or a Third-Party Bank Transfer, we will issue the corresponding value of Electronic Money to your Halal Financial Group Limited Electronic Money Account. The details of the bank account, belonging to Halal Financial Group Limited, to send the money to will be set out on the Halal Financial Group Limited Dashboard. Please take care (or ask the third party making a Third-Party Bank Transfer to take care) to enter the correct bank account details when performing the User Bank Transfer or Third-Party Bank Transfer, to make sure the money reaches us. If we receive your money in a currency other than the currency you indicated to us when we provided you with the bank account details, then we will not be liable for any losses that you incur if our bank performs a currency conversion to change the money received into the currency of our bank account to which the money was sent.

9. Halal Financial Group Limited TRANSACTIONS

9.1. The following are “Halal Financial Group Limited Dashboard Transactions”:

- “Electronic Money Exchange” means using Electronic Money in one currency to purchase Electronic Money in another currency using our Exchange Rates;

- “Instant Transfer” – this means us sending Electronic Money into your Halal Financial Group Limited Electronic Money Account or from your Halal Financial Group Limited Electronic Money Account to the Halal Financial Group Limited Electronic Money Account of a different Halal Financial Group Limited User; and

- “Halal Financial Group Limited Bank Transfer” – this means us redeeming Electronic Money in your Halal Financial Group Limited Electronic Money Account, with or without an associated Monetary Exchange taking place, and transferring the equivalent amount of money to the Counterparty Online Account.

9.2. The following are “Halal Financial Group Limited Card Transactions”:

- “ATM Withdrawal” – this means you using your Physical Halal Financial Group Limited Card and Card PIN to obtain cash from an ATM with or without a Monetary Exchange taking place; and

- “Halal Financial Group Limited Card Purchase” means you using your Halal Financial Group Limited Card to purchase goods and/or services from a merchant by entering the details of your Halal Financial Group Limited Card and/or your Card PIN.

9.3. Halal Financial Group Limited may refuse to enter into a Halal Financial Group Limited Transaction with you at any time and for any reason.

9.4. Halal Financial Group Limited provides virtual receipts for successful , which are accessible on the Halal Financial Group Limited Dashboard. In addition to virtual receipts, merchants should provide you with receipts when you enter into a Halal Financial Group Limited Card Purchase. Halal Financial Group Limited will not and is under no obligation to provide you with a physical receipt or other written confirmation in connection with any Halal Financial Group Limited Transaction.

10. EXCHANGE ELECTRONIC MONEY

10.1. You can exchange Electronic Money in your Halal Financial Group Limited Electronic Money Account to Electronic Money in another currency by using the exchange function on the Halal Financial Group Limited Dashboard. The currencies of Electronic Money which you are able to purchase and store in your Halal Financial Group Limited Electronic Money Account are limited to those set out on the Halal Financial Group Limited Dashboard and are subject to change from time to time without us being required to provide you with notice.

10.2. You will be informed, on the Halal Financial Group Limited Dashboard, prior to sending your request to enter into the Electronic Money Exchange, of:

- the amount of Electronic Money you will use to purchase the amount of Electronic Money in your required currency;
- the amount and currency of the Electronic Money you wish to purchase;
- the exchange rate of the Electronic Money Exchange.

10.3. In order to submit the request to enter into the Electronic Money Exchange, you will need to confirm the details which have been entered by hitting the exchange button on the relevant part of the Halal Financial Group Limited Dashboard. By entering into these Terms, you accept sole responsibility for entering into the Electronic Money Exchange. Halal Financial Group Limited will not be responsible for any losses you incur as a result of you using this function.

10.4. The request to enter into an Electronic Money Exchange will be accepted when we confirm to you that the Electronic Money Exchange has been entered into, on the Halal Financial Group Limited Dashboard.

10.5. The amount of Electronic Money you can exchange at the interbank rate is limited. Please refer to the Fees Section for more information on the interbank rate. It is your responsibility to stay informed of any changes to the limits and fees applied to any exchanges at the interbank rate.

11. INSTANT TRANSFER

11.1. You are able to send your Electronic Money using the Halal Financial Group Limited Dashboard.

11.2. You can make a request to enter into an Instant Transfer by logging onto the Halal Financial Group Limited Dashboard and following the on-screen instructions. You will need to enter the Counterparty’s details requested on the Halal Financial Group Limited Dashboard (the ‘unique identifier’) in order to request entry into an Instant Transfer. It is your responsibility to make sure that the Counterparty’s unique identifier is entered correctly. Any error may result in the Instant Transfer being unsuccessful or delayed. We shall not be liable for any losses you incur from entering an incorrect unique identifier.

11.3. If the Counterparty is already a Halal Financial Group Limited User, you will be informed on the Halal Financial Group Limited Dashboard, prior to confirming your request to enter into the Instant Transfer, of:

- the Counterparty’s name;

- the amount and currency of Electronic Money you wish to send to the Counterparty; and
the fees for the Instant Transfer (if any).

11.4. In order to submit the request to enter into the Instant Transfer, you will need to confirm the details which have been entered by hitting the button entitled “Send” on the relevant part of the Halal Financial Group Limited Dashboard. Once you have provided confirmation (provided the Counterparty is a Halal Financial Group Limited User), then at this time we will have been deemed to have received your request to enter into the Instant Transfer.

11.5 If the Counterparty is not a Halal Financial Group Limited User, then the request to enter into an Instant Transfer shall be pending for 72 hours (excluding weekends and bank holidays in England). The request to enter into the Instant Transfer will not be deemed as received until the Counterparty is approved as a Halal Financial Group Limited User, within the 72 hours (excluding weekends and bank holidays in England) that the Instant Transfer is pending. The Counterparty will receive an SMS with instructions on how to open a Halal Financial Group Limited Account. You authorise Halal Financial Group Limited to send an SMS to the Counterparty on your behalf. If the Counterparty does not sign-up to Halal Financial Group Limited within 72 hours of the SMS being sent to them, then the pending Instant Transfer will be terminated.

11.6. If the Counterparty is not a Halal Financial Group Limited User, then:

- the request to enter into the Instant Transfer will be pending and will not be deemed to have been received by us until the non-Halal Financial Group Limited User has been accepted as a Halal Financial Group Limited User;

- the Instant Transfer should be completed at the latest by the end of the Business Day following the day upon which the Counterparty becomes a Halal Financial Group Limited User, provided the Counterparty becomes a Halal Financial Group Limited User before the pending Instant Transfer lapses.

Once your Electronic Money has been sent, you will be able to view the completed Instant Transfer on the Halal Financial Group Limited Transaction History part of the Halal Financial Group Limited Dashboard.

12. Halal Financial Group Limited BANK TRANSFER AND MONETARY EXCHANGE

12.1 You can make a request to enter into a Halal Financial Group Limited Bank Transfer by logging onto the Halal Financial Group Limited Dashboard and following the on-screen instructions. You will need to enter the Counterparty Online Account details. It is your responsibility to make sure that the details of the Counterparty and the Counterparty Online Account (the ‘unique identifiers’) are entered correctly. Any error in information may result in the Halal Financial Group Limited Bank Transfer being unsuccessful or delayed. We shall not be liable for any losses you incur from entering incorrect Counterparty Online Account details.

12.2. You will be informed on the Halal Financial Group Limited Dashboard, prior to confirming your request to enter into the Halal Financial Group Limited Bank Transfer, of:

- the details of the Counterparty Online Account;

- the amount and currency of money you wish to send to the Counterparty; and

- the fees for the Halal Financial Group Limited Bank Transfer (if any).

12.3. In order to submit the request to enter into the Halal Financial Group Limited Bank Transfer, you will need to confirm the details which have been entered by hitting the ‘tick’ button on the relevant part of the Halal Financial Group Limited Dashboard.

12.4. The request to enter into the Halal Financial Group Limited Bank Transfer or a Halal Financial Group Limited Bank Transfer via recurring payments shall be deemed to be received at the time at which you provide your confirmation except that where the request to enter into a Halal Financial Group Limited Bank Transfer would otherwise be deemed to be received on a day which is not a Business Day or is received after 1.00 pm, London time on a Business Day, we have the right to treat the request to enter into the Halal Financial Group Limited Bank Transfer as having been received on the next Business Day.

12.5. Where the Payment is denominated in:

- Euro or Sterling, we shall ensure that the amount of the Halal Financial Group Limited Bank Transfer is credited to the Counterparty’s payment service provider’s account by the end of the Business Day following that on which your request to enter into the Halal Financial Group Limited Bank Transfer was deemed to have been received;

- a currency other than Euro or Sterling but the account of the Counterparty’s payment service provider is located within the European Economic Area (‘EEA’), we shall ensure that the amount of the Halal Financial Group Limited Bank Transfer is credited to that account by the end of the fourth Business Day following that on which request to enter into the Halal Financial Group Limited Bank Transfer was deemed to have been received; and

- a currency other than Euro or Sterling and the account of the Counterparty’s payment service provider is located outside the EEA, we shall endeavour to ensure that we action the Halal Financial Group Limited Bank Transfer as soon as is reasonably practicable.

12.6. If the currency of the Counterparty Online Account (in accordance with the information provided by you on the Halal Financial Group Limited Dashboard) is different to the currency of the Electronic Money you are using to enter into the Halal Financial Group Limited Bank Transfer, then as part of the Halal Financial Group Limited Bank Transfer we shall perform a Monetary Exchange to the appropriate currency prior to sending the money to the Counterparty Online Account. In this event, you will be informed of the Exchange Rate for the Monetary Exchange prior to confirming the Halal Financial Group Limited Bank Transfer.

12.7. You may revoke your request to enter into the Halal Financial Group Limited Bank Transfer at any time prior to the of the end of the Business Day prior to the date upon which the Halal Financial Group Limited Bank Transfer is due to take place.

12.8. You may revoke your request to enter into a recurring payment via Halal Financial Group Limited Bank Transfer at any time prior to the of the end of the Business Day prior to the date upon which the Halal Financial Group Limited Bank Transfer recurring payment is due to take place.

12.9. Once the Halal Financial Group Limited Bank Transfer has been completed, you will be able to view the completed Halal Financial Group Limited Bank Transfer on the Halal Financial Group Limited Transaction History part of the Halal Financial Group Limited Dashboard.

12.10. If, for whatever reason, the funds are not deposited in the Counterparty Online Account and are returned to Halal Financial Group Limited, they will be converted into the currency of the Electronic Money they were originally withdrawn from. Due to the difference in price for purchasing and selling currencies and/or fluctuations in currency exchange rates, the amount of Electronic Money you receive back into your Halal Financial Group Limited Electronic Money Account may be more or less than what was originally redeemed to perform the Halal Financial Group Limited Bank Transfer. Halal Financial Group Limited is not liable for any losses you incur in this respect.

12.11. Some Counterparties accept payment by setting recurring payments to be deducted from your Halal Financial Group Limited Electronic Money Account on a regular basis. The amount of the recurring payment and the intervals at which the payments will be deducted is determined by the arrangement between you and the relevant Counterparties and their terms and conditions will apply. If you wish to amend or cancel your reoccurring payment, you may only do this by contacting the Counterparties directly.

13. ATM WITHDRAWAL AND MONETARY EXCHANGE

13.1. You can use your Physical Halal Financial Group Limited Card to withdraw cash from an ATM. In such an event we will redeem Electronic Money in your Halal Financial Group Limited Electronic Money Account and you will be provided with the equivalent amount of cash. You will need to follow the instructions on the ATM machine to perform the ATM Withdrawal. This may involve entering your Card PIN.

13.2. We do not charge for ATM Withdrawals up to the threshold set out in the Fees Section. If you withdraw more than the threshold, then each ATM Withdrawal will be subject to the fee set out in the Fees Section. This threshold is higher for Premium Users than for Standard Users.

13.3. If you choose to withdraw cash in a currency other than the currency for which you hold enough Electronic Money in your Halal Financial Group Limited Electronic Money Account, then our Exchange Rate will be used.

13.4. If you choose to withdraw cash using the currency conversion offered by the ATM owner, Halal Financial Group Limited has no liability to you for that currency conversion. Please note that the ATM provider may, in addition charge its own fee for ATM Withdrawals which we have no control over or liability for.

14. Halal Financial Group Limited CARD PURCHASE AND MONETARY EXCHANGE

14.1. You can use your Halal Financial Group Limited Card to purchase goods and/or services from a merchant either online or at a point of sale terminal anywhere that accepts the Halal Financial Group Limited Card. In such an event we will redeem Electronic Money in your Halal Financial Group Limited Electronic Money Account and the merchant will be sent, less any fees from Halal Financial Group Limited (acting as Card Issuer), the equivalent amount of money. You will need to follow the instructions on the relevant website or point of sale machine to perform the Halal Financial Group Limited Card Purchase. This may involve you entering the details of Halal Financial Group Limited Card (the card number, expiry date and CVC number) or your Card PIN.

14.2. If you choose to be charged for your purchase in a currency other than the currency for which you hold enough Electronic Money in your Halal Financial Group Limited Electronic Money Account, then our Exchange Rate will be used.

14.3. Where a currency conversion is offered to you by the merchant and you choose to authorise the payment transaction on the basis of the merchant’s exchange rate and charges, Halal Financial Group Limited has no liability to you for that currency conversion.

15. RECEIVE ELECTRONIC MONEY

15.1. If you receive Electronic Money into your Halal Financial Group Limited Electronic Money Account, we will send a notification to the Halal Financial Group Limited Dashboard and display the payment in your Halal Financial Group Limited Transaction History.

15.2. You can request a payment from another Halal Financial Group Limited User by using the “Request Money” function or the “Split Bill” function or other functions made available to you from time to time on the Halal Financial Group Limited Dashboard. You should only use this function for amounts owed to you and that are due for payment in full. This service may not be used as a debt collection or enforcement tool.

16. EXCHANGE RATES

16.1. The “Exchange Rate” means the:

-“Standard Exchange Rate”; or
- “Non-Standard Exchange Rate” depending on the value of the Electronic Money Exchanges and Monetary Exchanges carried out by you in the given month and whether you are a Standard User or a Premium User, further details of which are set out in the Fees Section.

16.2. Generally, for major currencies during FX market hours the Standard Exchange Rate will be the interbank rate. However, in certain circumstances, it is not possible for the Standard Exchange Rate to be the interbank rate including when the FX market is closed on weekends or on bank holidays or when your Exchange Rate involves illiquid currencies. It may also not be possible for the Standard Exchange Rate to be the interbank rate due to other external factors such as volatile market conditions, a system failure of Halal Financial Group Limited or any other external factors. In such instances, the Standard Exchange Rate will be different from the interbank rate. Please see the Fees Section for more details.

16.3. We will use the Exchange Rates set out in the Fees Section, where we can, however you will be informed (where possible) of the exact Exchange Rate for each Halal Financial Group Limited Transaction prior to your entry into the same. It is your responsibility to ensure that you are happy with the Exchange Rate we offer you, prior to entering into each Halal Financial Group Limited Transaction. In addition, our live exchange rates are available on the Halal Financial Group Limited Dashboard.

17. YOUR BALANCE AND NEGATIVE BALANCES

17.1. You acknowledge that balances and available funds reported on the Halal Financial Group Limited Dashboard are only approximate real time balances rather than the settled balances in your Halal Financial Group Limited Electronic Money Account. A real time balance may not take into account pending debits and credits. Halal Financial Group Limited will provide you with information on pending debits and credits as soon as it has that information.

17.2. If for any reason (including, but not limited to, any technical errors on our behalf or on behalf of our third-party providers) you have a negative balance in your Halal Financial Group Limited Electronic Money Account, you agree to immediately Top-Up the required amount to correct the negative balance, such amounts being due without the need for previous notification. If you fail to do so:

- we may exercise our right of set-off in accordance with Clause 22 (Our Right to Set-Off) of these Terms;

- initiate a chargeback procedure for any specific transaction which led to your Halal Financial Group Limited Electronic Money Account having a negative balance;

- take debt collection measures including but not limited to mandating a debt collection agency or solicitors or to pursue the claim in court. We reserve the right to charge you the expenses we reasonably incur in connection with any debt collection or enforcement efforts;

- if Halal Financial Group Limited requests that you complete a Top-Up in order to correct a negative balance and you fail to do so within 7 Business Days, you authorise us to initiate a payment transaction for the amount of the negative balance (or the equivalent in another currency) from one of your Stored Cards or User Online Accounts.

18. SECURITY

18.1. You must ensure that you take all reasonable steps to:

- ensure that your Mobile and your Mobile PIN is kept safe and secure;
- ensure that access to the Halal Financial Group Limited Dashboard is kept safe and secure; and
- ensure your Halal Financial Group Limited Card PIN and other unique numbers (including CVC, expiry and card number) are kept safe and secure.

18.2. The requirement in Clause 18.1 includes, but is not limited to, for the avoidance of doubt:

you:

- closing the Mobile App every time you are not using it;
- keeping the Mobile you use to gain access to the Halal Financial Group Limited Dashboard safe and secure and locked with a secure password or other security mechanism;
- not writing down or telling anyone your Mobile PIN;
- changing your Mobile PIN regularly;
- if you receive any SMSs or emails, questionnaires, surveys, or other links that require you to provide your Mobile PIN, not providing your information and contacting our customer services team via the chat function on the Halal Financial Group Limited Dashboard;
- ensuring that the Mobile and e-mail account(s) you use to communicate with us are secure and only accessed by you, as the Mobile and e-mail address may be used to reset your Mobile PIN or to send information relating to the security of the Halal Financial Group Limited Dashboard;
- if at any time you think that your Mobile PIN has been lost, stolen or any other person knows your Mobile PIN or anyone has access to your e-mail account or Mobile you use to communicate with us, informing customer services immediately via the chat function on the Halal Financial Group Limited Dashboard;

you:

- keeping your Halal Financial Group Limited Card safe and secure;
- not writing down or telling anyone your Card PIN or details of the Halal Financial Group Limited Card;
- disabling your Halal Financial Group Limited Card via the Halal Financial Group Limited Dashboard or otherwise reporting to us, at any time if you think the security of the Halal Financial Group Limited Card is at risk, for example, if it is lost or stolen;

18.3. All Halal Financial Group Limited Transactions are processed by automated methods, and anyone who obtains access credentials to the Halal Financial Group Limited Dashboard or access to a Halal Financial Group Limited Card could use it to enter into Halal Financial Group Limited Transactions without your permission. If you notice misuse, theft or unauthorised use of your Mobile, Halal Financial Group Limited Card, Mobile PIN or Card PIN or any other activity that makes you suspicious, you must contact the customer services team and if possible enable the appropriate security features on the Mobile App. If you suspect identity theft or theft of Electronic Money, we suggest that you contact your local police as well.

19. RESTRICTIONS ON THE USE OF THE Halal Financial Group Limited SERVICES

19.1. It is not permitted to:

- use the Halal Financial Group Limited Services for any illegal purposes, including, but not limited to fraud and money laundering, unlawful sexually oriented materials or services, counterfeit products, unlawful gambling activities, fraud, money laundering, the funding of terrorist organizations, the unlawful purchase or sale of tobacco, firearms, prescription drugs, other controlled substances or other products prohibited by law. Halal Financial Group Limited will report any suspicious activity and cooperate with any relevant law enforcement agency or regulator;

- use the Halal Financial Group Limited Services to abuse, exploit or circumvent the usage restrictions imposed by a merchant on the services it provides, or to obtain goods or services without paying the amount due partially or in full;

- breach these Terms, the Halal Financial Group Limited Cardholder Terms (as applicable) or any other agreement or policy that you have agreed with Halal Financial Group Limited or with Halal Financial Group Limited (acting as Card Issuer);

- create more than one Halal Financial Group Limited Account without our prior written consent;

- use the Halal Financial Group Limited Services to violate any law, statute, ordinance, or regulation;

- use the Halal Financial Group Limited Services for any illegal purposes including the purchase or sale, or the facilitation of the purchase or sale of, illegal goods or services;

- use the Halal Financial Group Limited Services to conduct activities pertaining to adult entertainment/pornography, auction houses, charities, chemicals and allied products, dating and escort services, binary options, legal services, political or religious organisations, video game arcades or establishments and business claiming to trade in prime bank guarantees, debentures, letters of credit or medium term notes;

- infringe Halal Financial Group Limited’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;

- act in a manner that is defamatory, libelous, threatening or harassing when using the Halal Financial Group Limited Services;
provide us with false, inaccurate or misleading information;

- use the Halal Financial Group Limited Services to engage in debt-collection activities;

- instruct us to send or receive what we reasonably believe to be potentially fraudulent funds on your behalf;

- refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
attempt to intentionally or knowingly receive or attempt to receive funds from both Halal Financial Group Limited and a merchant for the same Halal Financial Group Limited Transaction;

- control a Halal Financial Group Limited Account that is linked to another Halal Financial Group Limited Account that has engaged in any of these Restricted Activities;

- conduct your business or use the Halal Financial Group Limited Services in a manner that is likely to result in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties or other liability to Halal Financial Group Limited, other Users, third parties or you;

- use your Halal Financial Group Limited Account or the Halal Financial Group Limited Services in a manner that Halal Financial Group Limited (acting as Card Issuer), Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;

- allow any of the currencies in your Halal Financial Group Limited Electronic Money Account to have a negative balance;
provide yourself with a cash advance from your credit card (or help others to do so);

- take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our Website without our prior written permission; or interfere or attempt to interfere with the Halal Financial Group Limited Services;

- take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers;

- use the Halal Financial Group Limited Services to test credit card behaviours;

- circumvent any Halal Financial Group Limited policy or determinations about your Halal Financial Group Limited Electronic Money Account including, but not limited to, attempting to create a new or additional Halal Financial Group Limited Account when a Halal Financial Group Limited Electronic Money Account has a negative balance or has been restricted, suspended or otherwise limited; creating new or additional Halal Financial Group Limited Electronic Money Accounts using Information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Halal Financial Group Limited Electronic Money Account;

- harass our employees, agents, or other Users;

- refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
use the Halal Financial Group Limited Services in a manner that we believe may be a violation of any applicable electronic payment network rules, card association or network rules, or applicable law;

- use the Halal Financial Group Limited Services to trade FX for speculative purposes or for FX arbitrage;

- refuse or fail to provide further information about you or your business activities that we may reasonably request;
conduct your business or use the Halal Financial Group Limited Services in a manner that leads us to receive a disproportionate number of claims or chargebacks;

- have a credit score provided by a third party provider of Halal Financial Group Limited’s choosing which indicates a higher level of risk associated with your use of the Services;

- reveal your Mobile PIN or Card PIN to anyone or use anyone else’s Mobile App or Halal Financial Group Limited Card.

19.2. You must ensure that you only enter into Halal Financial Group Limited Transactions relating to the sale or supply of goods and services in compliance with all applicable laws and regulations. The fact that a person or entity accepts payments via a Halal Financial Group Limited Transaction is not an indication of the legality of the supply or provision of the goods and services.

19.3. We reserve the right to refuse to perform a Halal Financial Group Limited Transaction directly or indirectly associated with any Restricted Country.

19.4. If Halal Financial Group Limited, in its sole discretion, believes that you may have breached the provision of this Clause, we may take action to protect ourselves, other Users and third parties. The action we may take includes but is not limited to:

- closing, suspending, or limiting your access to your Halal Financial Group Limited Electronic Money Account or any or all of the Halal Financial Group Limited Services.

- contacting other Users who have transacted with you; contacting your bank or credit card issuer; and/or warning other Users, law enforcement, or impacted third parties of your actions;

- updating inaccurate Information you have provided to us;

- taking legal action against you;

- terminating these Terms or access to the Website;

- fully or partially reversing a Halal Financial Group Limited Transaction; and/or

- blocking your access to your Halal Financial Group Limited Electronic Money Account and/or Halal Financial Group Limited Dashboard temporarily or permanently.

19.5. Where possible, Halal Financial Group Limited will provide you with the relevant information regarding the actions imposed, but we may be unable to do so in accordance with the appropriate law including avoiding disclosing protected third party information or interfering in the course of an investigation.

20. Halal Financial Group Limited TRANSACTION LIMITS

20.1. We reserve the right to impose at our sole discretion Halal Financial Group Limited Transaction Limits, based on criteria determined by us and that does not have to be disclosed.

20.2. You may be able to view some of these Halal Financial Group Limited Transaction Limits by logging onto the Halal Financial Group Limited Dashboard. Halal Financial Group Limited may, from time to time, provide you with procedures or methods to remove or increase such limits. We reserve the right to remove Halal Financial Group Limited Transaction Limits from the Halal Financial Group Limited Dashboard.

21. SUSPENDING YOUR USE OF THE Halal Financial Group Limited SERVICES

21.1. We reserve the right to change, suspend or discontinue any aspect of the Halal Financial Group Limited Services at any time, including hours of operation or availability of the Halal Financial Group Limited Services or any Halal Financial Group Limited Services feature, without notice and without liability.

22. OUR RIGHT TO SET-OFF

22.1. On the happening of any event which entitles us to be compensated by you (including, but not limited to, any technical errors on our behalf or on behalf of our third-party providers), we shall be entitled to recover any sum due to us by retaining part or all of any sum that you have lodged with us under any Halal Financial Group Limited Transaction or otherwise. You shall have no similar right of set-off. For the avoidance of doubt, this includes if one of the currency balances in your Halal Financial Group Limited Electronic Money Account shows that you owe us an amount of funds for any reason or has a negative balance, Halal Financial Group Limited may set-off the amount you owe us by using funds you maintain in that currency or in a different currency balance or by deducting amounts you owe us from money you receive into your Halal Financial Group Limited Electronic Money Account, or money you attempt to withdraw or send from your Halal Financial Group Limited Electronic Money Account, or in a different Halal Financial Group Limited Electronic Money Account which you control and by deducting funds from any withdrawals you attempt to make.

22.2. On the happening of any event which entitles us to be compensated by you, if for whatever reason we are unable to exercise our right of set-off pursuant to Clause 22.1, we may initiate a payment transaction for the amount we are due to be compensated by you from one of your Stored Cards or User Online Accounts.

22.3. If the amount owed to us is in a currency which is different to the money or Electronic Money you hold with us, we shall convert the amount you hold with us to the currency of the amount you owe us by applying our Exchange Rates. We do not need to notify you of this conversion occurring.

22.4. If an Indemnity Claim is raised by you pursuant to the Direct Debit Guarantee Scheme, and the claim is adjudged by Halal Financial Group Limited to be fraudulent or erroneous, we reserve our right of set-off the claim pursuant to Clause 22.1. If for whatever reason we are unable to exercise our right of set-off pursuant to Clause 22.1, we may ask you to pay us another way and if you do not do so within 7 Business Days you authorise us to initiate a payment transaction for the amount we are due to be compensated by you from one of your Stored Cards or User Online Accounts.

23. OUR LIABILITY WITH RESPECT TO INSTANT TRANSFERS, Halal Financial Group Limited BANK TRANSFERS, ATM WITHDRAWALS AND Halal Financial Group Limited CARD PURCHASES

23.1. You warrant that you are an individual acting solely on your own behalf and are acting for a purpose other than a trade, business or profession.

23.2. If you believe that an Instant Transfer, Halal Financial Group Limited Bank Transfer, ATM Withdrawal and/or a Halal Financial Group Limited Card Purchase has been incorrectly executed or was not authorised by you, you must inform us as soon as possible via the chat function on the Halal Financial Group Limited Dashboard. Failure to notify us immediately on becoming aware or within the 13 months of the date of the unauthorised or incorrectly executed Instant Transfer, Halal Financial Group Limited Bank Transfer, ATM Withdrawal or Halal Financial Group Limited Card Purchase will result in you losing your entitlement to have the matter corrected.

23.3. Where it is established that an Instant Transfer, Halal Financial Group Limited Bank Transfer, ATM Withdrawal and/or a Halal Financial Group Limited Card Purchase was not authorised by you, or was incorrectly initiated or executed by us (provided we can prove such incorrect transaction has taken place) and you have notified us in a timely manner within 13 months of the date of the unauthorised Instant Transfer, a Halal Financial Group Limited Bank Transfer, an ATM Withdrawal or a Halal Financial Group Limited Card Purchase, unless Clause 23.4 applies, we shall refund to you the full amount debited without authorisation.

23.4. You will be liable for:

- all losses incurred in respect of an Instant Transfer, a Halal Financial Group Limited Bank Transfer, ATM Withdrawal and Halal Financial Group Limited Card Purchase made by us which was not authorised by you, if you have acted fraudulently, or have intentionally or with gross negligence failed to comply with the obligations set out in Clause 18 (Security) or you have not notified us on time in accordance with Clause 23.2; and

- where Clause 23.4(a) does not apply, up to £35 of any losses incurred in respect of Instant Transfers, Halal Financial Group Limited Bank Transfers, ATM Withdrawals and Halal Financial Group Limited Card Purchases which were not authorised by you, where you have otherwise failed to comply with your obligations under Clause 18 (Security).

24. GENERAL LIABILITY

24.1. Except where you have acted fraudulently, you will not be liable for any losses incurred in respect of an Instant Transfer, Halal Financial Group Limited Bank Transfer, ATM Withdrawal or a Halal Financial Group Limited Card Purchase which was not authorised by you which occurs after you have notified us, without undue delay, on becoming aware of the loss, theft, misappropriation or unauthorised use of the Halal Financial Group Limited Card or the Mobile PIN or Card PIN which relates to those losses. You can notify us via the chat function on the Halal Financial Group Limited Dashboard.

24.2. We shall not be liable for non-execution or defective execution in relation to an Instant Transfer or Halal Financial Group Limited Bank Transfer we have made in accordance with a unique identifier given to us by you which proves to be incorrect. However, we shall make reasonable efforts to recover funds involved in that transaction and may charge you for doing so, including passing on to you charges made by intermediary banks and/or the payee’s bank for their assistance in the tracing process.

24.3. We are not liable to you for the correct execution of an Instant Transfer, a Halal Financial Group Limited Bank Transfer, an ATM Withdrawal or a Halal Financial Group Limited Card Purchase, if we can prove to you (and where relevant, to any payee’s payment services provider) that the payee’s payment services provider received the payment within the appropriate time period. We will however, upon your request, make efforts to trace any non-executed or defectively executed payment transactions and notify you of any outcome involving our search.

24.4. Please note any restriction on your liability in relation to an unauthorised or incorrectly executed payment transactions set out in the Payment Services Regulations 2017 does not apply to losses in relation to Electronic Money Exchanges or Monetary Exchanges.

24.5. We are liable to you for the correct transmission of a payment order representing a Top-Up via Stored Card within the relevant time limit. Where we are liable, we will immediately re-transmit the payment order in question.

24.6. We shall not be liable to you for any:

- delay or failure to perform our obligations under these Terms (including any delay in payment) by reason of any cause beyond our reasonable control including but not limited to any action or inaction by you or any third party, any Force Majeure Event, bank delay, postal delay, failure or delay of any fax or electronic transmission, any accident, emergency, act of god or any abnormal or unforeseeable circumstances; or

- consequential or indirect loss (such as loss of profits or opportunity) you may incur as a result of us failing to perform our duties under a Halal Financial Group Limited Transaction; or

- losses as a result of a requirement imposed on us by the Payment Services Regulations 2017 or the Electronic Money Regulations 2011 or our obligations under the laws of any EEA state or other jurisdiction.

24.7. You are responsible for all liabilities, financial or otherwise, incurred by Halal Financial Group Limited (acting as Card Issuer), Halal Financial Group Limited, a Halal Financial Group Limited User, or a third party caused by or arising out of your breach of these Terms, your use of the Halal Financial Group Limited Services, and any use of your Halal Financial Group Limited Account. You agree to reimburse Halal Financial Group Limited (acting as Card Issuer), Halal Financial Group Limited, a Halal Financial Group Limited User, or a third party for any and all such liability, to the extent not prohibited by applicable law.

24.8. You remain liable under these Terms in respect of all charges and other amounts incurred through the use of your Halal Financial Group Limited Account at any time, irrespective of termination, suspension or closure.

24.9. You alone are responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the Halal Financial Group Limited Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions. You are liable to the state and other subjects for fulfilment of all tax obligations independently. Halal Financial Group Limited shall not be responsible for the execution of tax obligations, or calculation and transfer of taxes applied you.

24.10. You agree to defend, reimburse or compensate us (known in legal terms to “indemnify”) and hold Halal Financial Group Limited, our third party providers, our employees or agents who are authorised to act on our behalf harmless from any claim or demand (including legal fees) made or incurred by any third party due to or arising out of your breach of these Terms, breach of any law and/or use of the Halal Financial Group Limited Services.

24.11. Nothing in these Terms shall operate to exclude liability for death or personal injury or for fraud or fraudulent misrepresentation or for any liability that cannot be excluded or amended by law.

24.12. In no event shall Halal Financial Group Limited be liable for loss of profits or any special, incidental or consequential damages arising out of these Terms or otherwise in connection with the Halal Financial Group Limited Services, howsoever arising.
To the extent permitted by applicable law, Halal Financial Group Limited is not liable, and you agree not to hold it responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from:

- your inability to use the Halal Financial Group Limited Services for whatever reason;
- delays or disruptions in the Halal Financial Group Limited Services;
- viruses or other malicious software obtained by accessing the Website or any associated site or service;
glitches, bugs, errors, or inaccuracies of any kind in the Halal Financial Group Limited Services;
- the content, actions, or inactions of third parties;
- a suspension or other action taken with respect to your Halal Financial Group Limited Account;
- your need to modify practices, content, or behaviour, or your loss of or inability to do business, as a result of changes to these Terms or Halal Financial Group Limited’s policies;
- illegal actions and operations of third persons performed using counterfeited and/or illegal documents or illegally received data.

25. WITHDRAWING FUNDS

25.1. You may withdraw funds from your Halal Financial Group Limited Electronic Money Account by entering into a Halal Financial Group Limited Bank Transfer and choosing a User Online Account as the Counterparty Online Account or by entering into an ATM Withdrawal or by using any other available method on the Halal Financial Group Limited Dashboard or otherwise notified to you from time to time.

25.2. Halal Financial Group Limited is not responsible for the withdrawal payment once the funds are received by your payment service provider as Halal Financial Group Limited is the payer and not the payment service provider for withdrawals.

26. CLOSING YOUR ACCOUNT

26.1. Your Halal Financial Group Limited Account will be closed at the end of the term of this agreement in accordance with Clause 3.1 or upon termination of these Terms in accordance with Clause 33.1 (Amendments to these Terms) and Clause 36 (Termination). You accept that after your Halal Financial Group Limited Account has been closed, Halal Financial Group Limited will store personal data about you and your Halal Financial Group Limited Transactions for a period of five years.

26.2. If your Halal Financial Group Limited Electronic Money Account holds a balance at the time of its closure, we may ask you to withdraw your funds within a reasonable period of time, during which your Halal Financial Group Limited Electronic Money Account will be accessible for the purpose of withdrawing the remaining balance only. After the expiry of this period you will not be able to access your Halal Financial Group Limited Electronic Money Account but you may withdraw any remaining funds for a period of six years from the date of closure of your Halal Financial Group Limited Account by contacting customer service and requesting that the funds be sent to you by returning the funds by either a card refund or bank transfer. When your Halal Financial Group Limited Account is closed, any pending instructions will be cancelled.

26.3. You may not close your Halal Financial Group Limited Account to evade an investigation. If you attempt to close your Halal Financial Group Limited Account while Halal Financial Group Limited is conducting an investigation, it may freeze the account to protect all parties to the Halal Financial Group Limited Services, its affiliates, or a third party against any liability. You will remain liable for any obligations related to your Halal Financial Group Limited Account even after it is closed.

27. NOTICE AND COMMUNICATIONS

27.1. You agree and consent to electronic receipt of all Communications that we provide in connection with the Halal Financial Group Limited Services. We will provide Communications to you by making them available on the Halal Financial Group Limited Dashboard or by emailing them to you at the primary email address listed in your Halal Financial Group Limited Account Profile.

27.2. It is your responsibility to ensure that you log onto the Halal Financial Group Limited Dashboard regularly and regularly review the Halal Financial Group Limited Dashboard, the Website and your primary email address and open and review communications that we deliver to you through those means. You are obligated to review your notices and Halal Financial Group Limited Transaction History, and to promptly report any questions, apparent errors, or unauthorised Halal Financial Group Limited Transactions. Failure to contact us in a timely manner may result in loss of funds or important rights.

27.3. We may contact you from time to time to notify you of changes or information regarding your Halal Financial Group Limited Account. It is your responsibility to ensure you regularly check the Halal Financial Group Limited Dashboard and that your contact information stored on your profile in the Halal Financial Group Limited Dashboard is up to date. You may contact us in accordance with these Terms via the chat function on the Halal Financial Group Limited Dashboard.

28. DATA

28.1. The processing of your data is governed by these Terms, any applicable Supplements as well as our Privacy Policy.

28.2. Halal Financial Group Limited reserves the right to transmit the Information or personal data about you as well as activity in your Account to law enforcement institutions, state authorities and financial institutions, if such is necessary to comply with relevant legislation, and in order to identify whether these Terms and relevant legislation have not been violated.

28.3. When you use the Halal Financial Group Limited Services we may collect precise location data about a Halal Financial Group Limited Transaction. If you permit the Mobile App to access location services through the permission system used by your mobile operating system, we may also collect the precise location of your device when the app is running the foreground or background. We may also derive your approximate location from your IP address. You may opt out of providing location data through the Mobile App, unless you opt out of providing location data, you consent to the collection, use, sharing and onward transfer of location data, as further set forth in the Privacy Policy.

28.4. By providing Halal Financial Group Limited with a telephone number (including a mobile telephone number), you agree to receive autodialled and pre-recorded message calls at that number. The ways in which you provide us a telephone number include, but are not limited to, providing a telephone number at Halal Financial Group Limited Account opening, adding a telephone number to your profile on your Halal Financial Group Limited Dashboard at a later time, providing it to one of our employees, or by contacting us from that phone number. If a telephone number provided to us is a mobile telephone number, you consent to receive SMS or text messages at that number, for service-related matters. We will not share your phone number with non-affiliated third parties for their purposes without your consent and we will never market, advertise, or solicit you using autodialling or pre-recorded messages, but we may share your phone numbers with our affiliates or with other service providers, such as billing or collections companies, who may contact you using autodialled or pre-recorded message calls or text messages.

28.5. You understand and agree that Halal Financial Group Limited may, without further notice or warning and in our discretion, monitor or record the telephone conversations you or anyone acting on your behalf has with Halal Financial Group Limited or its agents for quality control and training purposes or for its own protection. You acknowledge and understand that, while your communications with Halal Financial Group Limited may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Halal Financial Group Limited, and Halal Financial Group Limited does not guarantee that recordings of any particular telephone calls will be retained or retrievable.

28.6. You agree that we can use your Information in connection with your Halal Financial Group Limited Account, to enable us to review, develop and improve our products and services. This may involve providing your Information to our partners, affiliates, agents, distributors and suppliers to process Halal Financial Group Limited Transactions and for their statistical research and analytical purposes. We may also disclose your Information as required by law, regulation or any competent authority or agency to investigate possible fraudulent, unlawful or unauthorised activity.

28.7. You understand and agree that we may collect information about how you and other Halal Financial Group Limited Users interact with the Halal Financial Group Limited Services. We may access the address book on your device and store names and contact information to facilitate social interactions through the Halal Financial Group Limited Services and for other purposes. We collect transaction details related to your use of the Halal Financial Group Limited Services, including the type of service requested, date and time the service was provided, amount charged and other related transaction details. We may collect information about your mobile device, including for example, the hardware model, operating system and version, software and file names and versions, preferred language, unique device identifier, advertising identifiers, serial number, device motion information and mobile network information. You agree that we may use the information that we collect to facilitate interactions with the Halal Financial Group Limited Services, including sharing certain non-sensitive information about you with other Halal Financial Group Limited Users.

29. INTELLECTUAL PROPERTY

29.1. The Halal Financial Group Limited Dashboard and the Website and all intellectual property rights contained therein, including but not limited to any content, are owned or licenced by us. Intellectual property rights means rights such as: copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). Halal Financial Group Limited’s intellectual property include "Halal Financial Group Limited.com," "Halal Financial Group Limited", “Beyond Banking”, “the Global Money App” and all logos related to the Halal Financial Group Limited Services. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Halal Financial Group Limited. You may not copy, imitate, or use them without our prior written consent.

29.2. We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and free to use them as we see fit.

29.3. Nothing in these Terms grants you any legal rights in the Halal Financial Group Limited Dashboard and/or the Website, other than as necessary to enable you to access the Halal Financial Group Limited Dashboard. You agree not to adjust or try to circumvent or delete any notices contained on the Halal Financial Group Limited Dashboard (including any intellectual property notices) and in particular in any digital rights or other security embedded or contained within the Halal Financial Group Limited Dashboard.

30. REQUESTING INFORMATION

30.1. You may request, at any time during the extent of these Terms, a copy of these Terms and any of the information set out in the Schedule 4 of the Payment Services Regulations 2017.

31. CUSTOMER SUPPORT AND COMPLAINTS

31.1. We take all complaints seriously. Any complaints about us or the services we provide should be addressed to the chat function on the Halal Financial Group Limited Dashboard. You should clearly indicate that you are wishing to make a complaint to us. This helps us to distinguish a complaint from a mere query. Our complaints procedure (available on our Website) sets out the process for submitting and resolving any complaints. You may request a copy of our complaints procedure at any time by contacting customer services via the chat function on the Halal Financial Group Limited Dashboard.

31.2. A final response to your complaint, or a letter explaining why the final response has not been completed, will be sent to you within 15 Business Days of your complaint having being made, and in exceptional circumstances, within 35 Business Days (and we will let you know if this is the case). Should this not be possible due to unforeseen circumstances or lack of information, we will contact you.

31.3. If after having received our final response you are still unhappy or not satisfied, you may, if your complaint falls with the Financial Ombudsman’s Jurisdiction, be able to take your complaint to the Financial Ombudsman Service (FOS) details of which are available on the following link www.financial-ombudsman.org.uk/faq/complain.html. You can also call the FOS on 0300 123 9123 or write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

31.4. Any complaints about Halal Financial Group Limited (acting as Card Issuer) should be made directly to Halal Financial Group Limited.

32. AMENDMENTS TO THESE TERMS

32.1. These Terms may be amended unilaterally by us, by providing you with two months’ notice. These changes will be deemed to have been accepted by you where you do not, before the proposed date of the entry into force of the changes, notify us to the contrary. If you do notify us to the contrary, your notification will be deemed to be a notice that you wish to close your Halal Financial Group Limited Account and terminate these Terms on the date upon which the changes are to take effect.

32.2. Where an amendment to the Terms is required by law or relates to the addition of a new service, extra functionality to the existing Service, a reduction in the cost of the Services or any other change which neither reduces your rights nor increases your responsibilities, the amendment may be made without prior notice to you and shall be effective immediately.

33. FEES

33.1. The fees we charge for the Halal Financial Group Limited Services are set out in the separate Fees Section to these Terms. We will provide you with notice of any changes to the Fees Section in accordance with these Terms. It is your responsibility to stay informed and review these changes once we have provided you notice of a change to our fees.

33.2. The fees we charge for any other transactional fees are clearly shown on the Halal Financial Group Limited Dashboard prior to you completing an action and accepted by you or a User.

33.3. We shall deduct the fees that you owe us from the GBP currency balance in your Halal Financial Group Limited Electronic Money Account. If there is not enough GBP balance in your Halal Financial Group Limited Electronic Money Account, we shall deduct the equivalent fees from a different currency balance(s) using our Exchange Rates. If there is not enough Electronic Money in your Halal Financial Group Limited Electronic Money Account to pay your fees in any currency, then we shall take our fee from the Stored Card you supplied when signing up for the Halal Financial Group Limited Services or other Stored Card belonging to you which has been provided to us. We reserve the right to suspend your access to your Halal Financial Group Limited Services if we are not paid any monies owing to use by you on time.

33.4. Fees for the delivery of replacement Physical Halal Financial Group Limited Cards shall be charged at the time the request for Physical Halal Financial Group Limited Card is made. If your Halal Financial Group Limited Electronic Money Account balance is insufficient to cover the fees for the delivery of the replacement Physical Halal Financial Group Limited Card, then we may refuse to issue the replacement Physical Halal Financial Group Limited Card. If your Physical Halal Financial Group Limited Card has been lost, stolen or misappropriated we will only charge you for the costs associated with replacing your Physical Halal Financial Group Limited Card and sending it to your applicable jurisdiction.

33.5. ATM Withdrawal fees will be charged at the time the ATM Withdrawal is performed. If your Halal Financial Group Limited Electronic Money Account balance is insufficient to cover the ATM Withdrawal fees, we may refuse to execute the ATM Withdrawal. Please be aware that some ATM providers charge additional fees for the use of their ATMs and some merchants add a surcharge for accepting certain types of cards. You may also be subject to merchant’s terms and conditions of business when you use the Halal Financial Group Limited Card and it is your responsibility to review and agree these before proceeding with a Halal Financial Group Limited Card Transaction.

34. NO WARRANTY

34.1. The Halal Financial Group Limited Services are provided on an "as is," "as available" basis and without any representation or warranty, whether express, implied or statutory. Halal Financial Group Limited, and the officers, directors, agents, joint venturers, employees and suppliers of Halal Financial Group Limited, make no representation or warranty of any kind whatsoever for the services or the content, materials, information and functions made accessible by the Halal Financial Group Limited Services used on or accessed through the Halal Financial Group Limited Services, or for any breach of security associated with the transmission of sensitive information through the Halal Financial Group Limited Services.

34.2. Halal Financial Group Limited does not warrant that the Halal Financial Group Limited Services will be uninterrupted or error free. Halal Financial Group Limited shall not be responsible for any service interruptions, including, but not limited to, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of Halal Financial Group Limited Transactions or the Halal Financial Group Limited Services.

34.3. Halal Financial Group Limited does not have any control over the products or services that are paid for using the Halal Financial Group Limited Services.

34.4. Halal Financial Group Limited is not responsible for the quality, performance, or any consequential results of the products and/or services purchased using the Halal Financial Group Limited Services.

35. TERMINATION

35.1. Halal Financial Group Limited, in its sole discretion, may terminate these Terms at any time, by giving you two months’ notice. The termination of these Terms will not affect any of our rights or your obligations arising under these Terms.

35.2. You may terminate these terms at any time by providing us with one month’s notice, such notice to be provided using the chat function on the Halal Financial Group Limited Dashboard.

35.3. Without prejudice to any rights that have accrued under these Terms, or any party’s other rights or remedies, either party may at any time terminate these Terms with immediate effect by giving written notice to the other party if:

- the other party commits a material breach of any term of these Terms and (if such breach is remediable) fails to remedy that breach within a period of 30 days after being notified in writing to do so;

- the other party repeatedly breaches any of the terms of these Terms in such a manner as to reasonably justify the opinion that its conduct is inconsistent with it having the intention or ability to give effect to the terms of these Terms;

- the other party is subject to a bankruptcy, insolvency, winding up or other similar event; and/or

- the result of laws, payment scheme rules, regulatory authority rules or guidance or any change in or any introduction thereof (or change in the interpretation or application thereof) means that it is unlawful or contrary to any such law, rules, order or regulations for either of the parties to perform or give effect to any of its obligations hereunder and such obligation cannot be readily severed from these Terms.

35.4. Without prejudice to any rights that have accrued under these Terms or any of the party’s rights or remedies, we may at any time terminate these Terms with immediate effect by giving written notice to you if:

- we are unable to verify your information in the manner set out in these Terms;
- you die;
- we have reason to believe that your use of the Halal Financial Group Limited Services: damages, corrupts, degrades, destroys and/or otherwise adversely affects the Halal Financial Group Limited Services, or any other software, firmware, hardware, data, systems or networks accessed or used by you;
- there is a significant fluctuation (either positive or negative) in the aggregate number of Halal Financial Group Limited Transactions you enter into;
- you have acted or omitted to act in any way which we reasonably determine to diminish Halal Financial Group Limited's (acting as Card Issuer or otherwise) business operations and/or reputation and/or goodwill and/or which we reasonably determine or suspect to give rise to any offence or any increased risk or liability to us; and/or
- we are unable to provide the Halal Financial Group Limited Services to you through the inability of any third party to provide us with any good and/or service that we require to provide the Halal Financial Group Limited Services to you.

35.5. Other actions we may take. If you have breached the terms of these Terms (including a breach of your obligation to pay us any amount owing), we are otherwise entitled to terminate these Terms, or we may: suspend your use of the Halal Financial Group Limited Services (in whole or in part) in which case we will not treat any order for a Halal Financial Group Limited Transaction that you may wish to make as being received by us; report any Halal Financial Group Limited Transaction or any other relevant information about you and your use of the Halal Financial Group Limited Services to the relevant regulatory authority, law enforcement agency and/or government department; and/or if appropriate, seek damages from you.

35.6. Termination of these Terms requires the closing of your Halal Financial Group Limited Electronic Money Account in accordance with Clause 26 and the termination of all Halal Financial Group Limited Cards and the associated Halal Financial Group Limited Cardholder Terms (as applicable). Halal Financial Group Limited will deal with your remaining balance in accordance with these Terms and the Halal Financial Group Limited Cardholder Terms (as applicable).

35.7. Any terms which by their nature should survive, will survive the termination of these Terms.

36. THIRD PARTY PROVIDERS

36.1. You can choose to allow a Third Party Provider (TPP) to access information on your Halal Financial Group Limited Account, to combine and display information about your Halal Financial Group Limited Account with information from accounts you have with other payment service providers, and, if applicable to your Halal Financial Group Limited Card, to make payments for you from your Halal Financial Group Limited Account, provided the TPP is authorised by the FCA or another European regulator and you have given your explicit consent.

36.2. If you do, you must keep us informed of any incorrect or unauthorised transactions that happen so we can take steps to stop further misuse of your Card and arrange any refund you've been entitled to.

36.3. If you are thinking of using a TPP, it is important you check with the applicable regulator whether it is authorised before you use it.

36.4. We can refuse or stop access to a TPP if we're concerned it isn’t authorised or if we believe it's fraudulent or acting fraudulently. If that happens, we'll contact you to explain why unless we believe that would compromise our security or it would be unlawful.

37. MISCELLANEOUS

37.1. In order to use other functions of the Halal Financial Group Limited Services, you may be requested to accept other terms and conditions, either with Halal Financial Group Limited or with a third party.

37.2. To be eligible to use the Halal Financial Group Limited Services, you must:

-pass our regulatory due diligence checks;
- not be in breach of these Terms; and
- not have had any previous Halal Financial Group Limited Account closed by us.

37.3. These Terms shall be governed by the laws of England & Wales and any claim or dispute under these Terms shall be subject to the non-exclusive jurisdiction of the Courts of England & Wales. For the avoidance of doubt these Terms do not include any alternative dispute resolution procedures as a means of disputing or issuing any claims in relation to these Terms.

37.4. These Terms do not intend to confer any benefit on any third party and no third party shall have the right to enforce these Terms or any Halal Financial Group Limited Transactions under the Contract (Rights of Third Parties) Act 1999 or otherwise.

37.5. The Electronic Money in your Halal Financial Group Limited Electronic Money Account belongs to the person or legal entity which is registered as the Halal Financial Group Limited Account holder. We recognise only the rights of the holder of the Halal Financial Group Limited Account. You cannot assign or transfer legal ownership of the Halal Financial Group Limited Electronic Money Account to anyone.

37.6. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your Halal Financial Group Limited Transactions, or for collecting, reporting or remitting any taxes arising from any Halal Financial Group Limited Transactions. In certain circumstances, such as if you are a legal resident of the Republic of Ireland and you conduct an ATM Withdrawal in the Republic of Ireland, Halal Financial Group Limited may collect from you the appropriate stamp duty up to the legal maximum as required by the Irish Revenue Commissioners. You hereby agree to comply with any and all applicable tax laws in connection with your use of the Halal Financial Group Limited Services, including without limitation, the reporting and payment of any taxes arising in connection with Halal Financial Group Limited Transactions made through the Halal Financial Group Limited Services.

37.7. If we fail to enforce any of our rights under the Terms, or applicable laws, it shall not be deemed to constitute a waiver of such right.

37.8. You may not transfer or assign or sell any rights or obligations you have under these Terms or otherwise grant any third party a legal or equitable interest over your Halal Financial Group Limited Electronic Money Account without Halal Financial Group Limited’s prior written consent. Halal Financial Group Limited reserves the right to transfer or assign these Terms or any right or obligation under these Terms at any time.

37.9. We may comply with any subpoena, levy, or other legal process which we believe to be valid. We may notify you of such process electronically, by phone, or in writing.

37.10. Halal Financial Group Limited (acting as Card Issuer or otherwise) has the right to change any of its third-party service providers, including without limitation the Card Processor, with or without notice.

37.11. Halal Financial Group Limited reserves the right, but shall have no responsibility, to edit, modify, refuse to post or remove any provider content, in whole or in part, that in its sole and absolute discretion is objectionable, erroneous, illegal, fraudulent or otherwise in violation of these Terms.

37.12. Unless stated otherwise in these Terms, if any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

37.13. We do not provide advice and contract on an execution only basis. We may provide information to you from time to time, for example via the Halal Financial Group Limited Dashboard or the Website, but we will not and do not provide advice to you either upon the merits of a proposed Transaction or upon any other matter. Before entering into any Halal Financial Group Limited Transaction you must make your and their own independent assessment as to whether it is appropriate to enter into a Halal Financial Group Limited Transaction based upon your own judgment and upon such advice from such advisers as you consider necessary. It is an express term of every Halal Financial Group Limited Transaction which you enter into with us that you are not relying upon any communication (written or oral) made by us as constituting advice about or a recommendation to enter into such Halal Financial Group Limited Transaction. Foreign currency exchange rates are subject to fluctuations outside our control. Past movements or trends in the movement of foreign currency exchange rates should not be taken as an indicator of future movements in such exchange rates.

37.14. Clause, Schedule and paragraph headings shall not affect the interpretation of these Terms.

37.15. A person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).

37.16. The Schedules form part of these Terms and shall have effect as if set out in full in the body of this agreement. Any reference to this agreement includes the Schedules.

37.17. A reference to a company shall include any company, corporation or other body corporate, wherever and however incorporated or established.

37.18. Unless the context otherwise requires, words in the singular shall include the plural and in the plural shall include the singular.

37.19. Unless the context otherwise requires, a reference to one gender shall include a reference to the other genders.

37.20. These Terms shall be binding on, and ensure to the benefit of, the parties to these Terms and their respective personal representatives, successors and permitted assigns, and references to any party shall include that party’s personal representatives, successors and permitted assigns.

37.21. A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time.

37.22. A reference to writing or written includes email and the chat function on the Halal Financial Group Limited Dashboard.

37.23. Any obligation on a party not to do something includes an obligation not to allow that thing to be done.

37.24. These Terms shall be concluded and interpreted in the English language. If these Terms are translated into another language, it is for reference purposes only. All communications between the parties shall be in the English language.

37.25. Any reference to an English legal term for any action, remedy, method of judicial proceeding, legal document, legal status, court, official or any legal concept or thing shall, in respect of any jurisdiction other than England, be deemed to include a reference to that which most nearly approximates to the English legal term in that jurisdiction.

37.26. A reference to these Terms or to any other agreement or document referred to in these Terms is a reference to these Terms or such other agreement or document as varied or novated (in each case, other than in breach of the provisions of these Terms) from time to time.

37.27. References to Clauses and Schedules are to the Clauses and Schedules of these Terms and references to paragraphs are to paragraphs of the relevant Schedule.

37.28. Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

37.29. Supplements to these Terms are an integral part of these Terms, under which you and Halal Financial Group Limited agree on usage of specific services as defined in the Supplements.

37.30. The definitions set out Schedule 1 apply to these Terms.

Schedule 1 — Definitions

“ATM Withdrawal” has the meaning set out in Clause 9.2(a).

“Business Day” - means a day, other than a public holiday in England, when banks in London are open for business.

"Card Issuer" means Halal Financial Group Limited which is licensed by a card scheme to issue Halal Financial Group Limited Cards and manage the associated funds across the MasterCard and/or Visa networks.

“Card PIN” means personal identification number, which is associated with your Halal Financial Group Limited Card and allows you to enter into Halal Financial Group Limited Card Transactions.

"Card Processor" means a third-party payment network card (e.g, Global Processing Services) processor.

"Communications" means information provided relating to your Halal Financial Group Limited Account or any Halal Financial Group Limited Transaction, including: any agreements and policies you agree to, (e.g., these Terms) including updates to these agreements or policies; disclosures and notices, including prospectuses and reports for transaction receipts or confirmations; Halal Financial Group Limited Account statements and history; and payments authorizations and transaction receipts or confirmations; documents; and any other information related to your Halal Financial Group Limited Account or the Halal Financial Group Limited Services.

“Cookie Policy” means the cookie policy relating to the.

“Cooling-Off Period” means your fourteen (14) days statutory cancellation right to cancel your Premium Subscription, starting from the day you first sign up for your Premium Services.

“Counterparty” means the person you wish to send Electronic Money or money to.

“Counterparty Online Account” means the bank account of the Counterparty.

“Direct Debit” means an arrangement between you and your bank or building society that authorises us to Top Up.

“Direct Debit Guarantee Scheme” means, the guarantee scheme offered by Direct Debit which protects you against payments made in error or fraudulently. If an error is made in the payment of your Direct Debit by Halal Financial Group Limited or your bank or building society you are entitled to an immediate refund of the amount paid from your bank or building society.

“Electronic Money” means electronically stored value represented by a claim against Halal Financial Group Limited.

“Electronic Money Exchange” has the meaning set out in Clause 9.1(a).

“Exchange Rate” has the meaning set out in Clause 16 and the Fees Section;

“FCA” means the Financial Conduct Authority of the United Kingdom whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS, United Kingdom; further information on the FCA can be obtained on the FCA’s website at www.fca.org.uk.

“Fees Section” means the separate fees schedule outlining the fees we charge in relation to the Halal Financial Group Limited Services.

“Force Majeure Event” means an event which is beyond the reasonable control of an affected party including without limit any market disruption, acts or restraints of government(s) or public authorities, war, Halal Financial Group Limitedion, strikes or other industrial action, fire, flood, natural disaster, explosion, terrorist action, the suspension or limitation of trading by any execution venue, or any breakdown, failure, defective performance or malfunction of any telecommunications settlement or other equipment or systems.

“Indemnity Claim” means a claim for a refund in relation to the Direct Debit Guarantee Scheme.

"Information" means any confidential and/or personally identifiable information or other information, including but not limited to the following: name, email address, date of birth, tax identification number, billing/shipping address, phone number and financial information.

“Instant Transfer” has the meaning set out in Clause 9.1(b).

"Key Facts" means the key facts document, provided by Halal Financial Group Limited.

“Mobile” means your smartphone or other electronic device upon which you have downloaded the Halal Financial Group Limited Mobile App.

“Mobile App” means the mobile application accessible through your Mobile where you can obtain access to your Halal Financial Group Limited Dashboard.

“Mobile App Terms” means the terms and conditions governing your use of the Mobile App which can be found on the Mobile App.

“Mobile PIN” means your personal identification number which is entered onto the Halal Financial Group Limited Mobile App to gain access to the Halal Financial Group Limited Dashboard.

“Monetary Exchange” is not a service in its own right but will be part of a Halal Financial Group Limited Bank Transfer, an ATM Withdrawal or a Halal Financial Group Limited Card Purchase and means redeeming Electronic Money in your Halal Financial Group Limited Electronic Money Account and using it to purchase money in a different currency using our Exchange Rates;

“Monthly Plan Break Fee” means the £14 charge if you elect to terminate your 12-month monthly plan within the first ten (10) months.

“Physical Halal Financial Group Limited Card” means both the Standard Halal Financial Group Limited Card and the Premium Halal Financial Group Limited Card.

"Policy Documentation" means the policy documentation provided by Halal Financial Group Limited.

“Premium Halal Financial Group Limited Card” means the tangible plastic card issued to Premium Users which allows Premium Users to enter into ATM Withdrawals and Halal Financial Group Limited Card Purchases.

“Premium Service” means the benefits you are entitled to as a result of being a Premium User, which includes, but isn’t limited to, unlimited use of our Standard Exchange Rate, an increased threshold for free ATM Withdrawals, benefitting from the Overseas emergency medical insurance and around the clock customer support.

“Premium Subscription” means a monthly or annual subscription to the Premium Service.

“Premium Subscription Fees” means the fees payable for the Premium Service by a Premium User, which are set out in the Fees Section.

“Premium User” means a holder of a Halal Financial Group Limited Account who avails of the Premium Service.

“Privacy Policy” means out privacy policy which can be found on the Website.

“Restricted Countries” means those countries that do not appear on the Halal Financial Group Limited Dashboard.

"Halal Financial Group Limited" "we," "us," or "our" means Halal Financial Group Limited, the details of which are set out in Clause 2.1.

“Halal Financial Group Limited Account” means your relationship with us as described in these Terms.

"Halal Financial Group Limited Account Profile" means your profile, accessible on the Halal Financial Group Limited Dashboard where you can view, among other things, your details, your price plan and your verification limits.

“Halal Financial Group Limited Bank Transfer” has the meaning set out in Clause 9.1(c).

“Halal Financial Group Limited Card” means both Physical Halal Financial Group Limited Cards and Virtual Halal Financial Group Limited Cards.

“Halal Financial Group Limited Cardholder Terms” means the terms and conditions between you and Halal Financial Group Limited (acting as Card Issuer) relating to the issuance to you and the use by you of the Halal Financial Group Limited Card.

"Halal Financial Group Limited Card Purchase" has the meaning set out in Clause 9.2(b).

“Halal Financial Group Limited Card Transaction” has the meaning set out in Clause 9.2.

“Halal Financial Group Limited Dashboard” has the meaning set out in Clause 5.1.

“Halal Financial Group Limited Dashboard Transaction” has the meaning set out in Clause 9.1

“Halal Financial Group Limited Electronic Money Account” means an account with us in which Electronic Money is held.

"Halal Financial Group Limited Services" means you being given access to the Halal Financial Group Limited Dashboard via the Mobile App and being able to enter into Halal Financial Group Limited Dashboard Transactions, you being issued with a Halal Financial Group Limited Card and being able to enter into Halal Financial Group Limited Card Transactions and the management of your Halal Financial Group Limited Account and if you are a Premium User the Premium Service any other services provided by Halal Financial Group Limited to you from time to time.

“Halal Financial Group Limited Transactions” means both Halal Financial Group Limited Dashboard Transactions and Halal Financial Group Limited Card Transactions. “Halal Financial Group Limited Transaction History” means the list of Halal Financial Group Limited Transactions you have entered into, which is available on the Halal Financial Group Limited Dashboard.

“Halal Financial Group Limited Transaction Limits” means the limits Halal Financial Group Limited imposes on the Halal Financial Group Limited Transactions you can enter into, the details of which will be set out on the Halal Financial Group Limited Dashboard.

“Halal Financial Group Limited User” means a user of Halal Financial Group Limited which is not you.

“Standard User” means an individual with a Halal Financial Group Limited Account which is not a Premium User.

“Standard Halal Financial Group Limited Card” means the tangible plastic card issued to Standard Users which allows Standard Users to enter into ATM Withdrawals and Halal Financial Group Limited Card Purchases.

"Stored Card" means the credit card, debit card, or other payment card, which you register for use on the Halal Financial Group Limited Dashboard and which will be used by Halal Financial Group Limited to receive funds against which we will issue Electronic Money to your Halal Financial Group Limited Electronic Money Account or for other purposes under these Terms.

“Supplement(s)” means an agreement between Halal Financial Group Limited and you for the provision of separate services by Halal Financial Group Limited or one of its partners to you, which will be set out on the Website.

“Third Party Bank Transfer” means a payment from a person which is not you to one of our bank accounts, the details of which we shall provide to you, as part of the process of requesting a Top-Up.

“Top-Up” means you or a third party sending money to us in return for us issuing Electronic Money to your Halal Financial Group Limited Electronic Money Account as further described in Clause 8.

"User", “you” or “your” means you being the business that has agreed to these Terms to use the Halal Financial Group Limited Services.

“User Online Account” means a bank account belonging to you.

“User Bank Transfer” means a transfer from a User Online Account, performed by the User’s payment service provider, to one of our bank accounts, the details of which we shall provide to you or your bank, as part of the process of requesting a Top-Up.

“Virtual Halal Financial Group Limited Cards” means the virtual non-tangible cards that allow you to enter into Halal Financial Group Limited Card Purchases.

“Website” means out general website, the web address of which is www.Halal Financial Group Limited.com.

“Website Acceptable Use Policy” means the website acceptable usage policy which can be found on our Website.

“Website Terms” means the terms and conditions regarding the use of our Website which can be found on our Website.

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Halal Financial Group Limited is a company registered in England and Wales (No. 11246175). Halal Financial Group Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference (Pending).