BenefitPay Merchant Application Form

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BenefitPay Terms and Conditions

This document contains the “Terms and Conditions”, which shall be applicable to all transactions initiated by the User through the BenefitPay Application developed by BENEFIT. The User is advised to carefully read and understand these Terms and Conditions before using the BenefitPay Application. By using BenefitPay Application, the User will be deemed to have read, understood and confirms his/her acceptance of the Terms and Conditions, mentioned here. The user will be bounded by these terms and conditions, as amended from time to time. The terms and conditions shall be displayed on BENEFIT’s website and BenefitPay Application and shall continue to apply each time the User uses the App.

Definitions

App/Application
The Software installed at the user’s smartphone.
Bank
The financial institution that has the customer’s account and issuing payment instruments to be utilized in payments through the App.
BENEFIT
Bahrain Electronic Network for Financial Transactions; the company owner responsible for the implementation and operation of the BenefitPay Application.
Dispute
Any contentious matters reported by the customer related to a financial transaction.
BenefitPay
The mobile payment software installed at the user’s smartphone used for the purpose of payments to merchants and transfers.
Merchant
The entity/person that receives the payment in exchange of assets/services by the BenefitPay.
Payment Instrument
The tool used for payments issued by the bank i.e. Debit Card, Credit Card, bank account.
Transaction
The process carried out between a buyer and a seller to exchange an asset for payment or fund transfer between payer and beneficiary.
User
The person who uses the BenefitPay Application.

Disclaimer; Terms

User shall guarantee that all the personal information provided at the registration in the BenefitPay Wallet application is correct, valid, and no misrepresentation has been made by the User.
Entering other persons information shall hold the user liable and subject to criminal prosecution.
The Payment instrument registration/enrollment in the BenefitPay wallet is subject to verification and authorization by the card issuer bank using the authentication tool provided to the card holder (i.e. PIN, 3D secure, Secure Code).
User shall not share any passwords, PIN codes, IDs related to payment authorization or login to BenefitPay account, any such disclosure shall be at the absolute liability of the User who shall be liable for any losses sustained as a result of such disclosure or by any act of negligence. All transactions initiated by the user from any payment instrument registered in the wallet is the liability of the user.
The use of the App is personal to the User; the User may not assign it to anyone else. User agrees and acknowledges, at his/her full risk and liability, that he/she is the personal holder of the Account(s) and consequently the primary holder of the debit/credit card(s) whose credentials may be necessary for payments using the App.
User authorizes BENEFIT to store personal information provided at the registration, certain data of the payment instruments and transaction history and information.
User authorizes BENEFIT to use the information for the purpose of market analysis, marketing and for statistical purposes.
The User shall not hold BENEFIT responsible for any dispute/issue arising from any purchase of goods/Services from Merchant(s) through transactions initiated via BenefitPay Application or fund transfer to any beneficiary. User understands and agrees that all such claims, if any shall be against such Merchant(s) or beneficiary and not against BENEFIT, which shall be initiated by contacting the User’s respective Bank.
BENEFIT will not share any sensitive data with any third party.
BENEFIT shall ensure its best effort to secure the BenefitPay Application and all the information related to it in accordance to international standards and best practices.
BENEFIT shall not liable of any loss whatsoever and of any kind to the customer that could be related to this application.
Any use of the App with the purpose of payment or transfer using Banks payment instruments to debit/credit account is subject to Banks verification, authorization, and acceptance.
BENEFIT does not warrant that the use of the Application or its content will be available, or will function without interruption, or that it will be free of errors, or that any errors will be corrected.
User shall take all necessary measures to keep the debit/credit card(s) and Personal Identification Number (PIN code) related to it, and assumes all responsibility for any and all consequences of not keeping the PIN code confidential, as well as for any unauthorized use of the App by any other person.
For transfers/payments using accounts, the User authorizes his/her Bank to debit his/her account based on a request initiated by the User through the BenefitPay for the purpose of payment or transfer.

Reward program

BENEFIT shall offer a reward program for BenefitPay users in form of points, airline miles, etc…
BENEFIT has the sole right to stop, suspend or cancel the reward program at any time with prior notice.
BENEFIT shall not be liable for any claims against the reward program.
The user will be entitled to the reward based on the payments done through the registered debit cards within BenefitPay application only.
The redemption of the rewards is subject to the rules and regulation of the party providing the points (i.e. Airline).

Terms & Conditions for petrol Cash Back offer on BenefitPay:

This Cashback offer is valid only during the promotional campaign for Sadeem service over BenefitPay for a limited period
Customer that uses Sadeem service over BenefitPay will receive a cashback into his Sadeem Balance instantly within 24 hours.
Customer who use the service in any petrol Stations in Bahrain will get 10% cashback
Weekly Maximum Cashback amount per customer is BD 2/-
Benefit/Bapco may change terms and conditions without customer notification

Privacy Policy

Our privacy policy is subject to change at any time without prior notice. You are advised to always review the policies for any changes prior to using the App.

When you use our Application, we collect and store your personal information provided by you from time to time. We do so to ensure that you are provided a safe, efficient, smooth and seamless experience. This also allows us to understand your needs and provide for services and features that best suit them. Also, the collection of such information is to provide for customizations on our application and to ensure that your experience is always safer and easier.

If you choose to transact on the App, we will collect information about your transaction behavior. We collect some additional information, such as details of the recipient or payer of the transaction, location, etc. which may be used for providing better experience to you while using the App, along with marketing and statistical purposes.

We use personal information to provide the services you request. We may use this information to keep you informed of any online and offline offers, products, services, and such updates shall be made available for use.

We may use the information obtained in order to detect, protect and prevent against error, fraud and other criminal activity and to enforce our terms and conditions which are condition precedent to use the App.

Governing Law

The present Terms and Conditions and its amendments from time to time shall be governed by the laws of Kingdom of Bahrain and subject exclusively jurisdiction of the Bahrain Courts.

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Privacy Policy

BENEFIT recognizes and respects your right to data transparency and to be able to control your data and how we interact with it. We believe that making you aware of how we use your personal information, including sensitive personal information, as discussed further below, and to whom it is disclosed, will form the basis our trustworthy and valuable relationship. Your data privacy has always been to the fore of how BENEFIT interacts with our community and we are compelled to safeguard your privacy rights with respect to any data or information we receive that identifies you or is identifiable to you. For purposes of this notice, we will call such data or information “personal data”. Personal data will always be collected, disclosed, processed, hosted, stored, and transferred by BENEFIT and its members in accordance with the requirements and prohibitions of applicable laws or regulations.

This Notice explains how we collect, use, store and share the personal data you provide us on　www.wathiq.bh, www.benefit.bh, BenefitPay application and members of BENEFIT services’ portals. If you use our website, you agree your use of these websites is subject to the terms of this Online Privacy Notice, the Terms of Use and also subject to the terms of any other agreement you, or where appropriate, your employer or other person or company you are representing, may have with BENEFIT.

1.0 GDPR & PDPL Consent:

In order for us to be compliant with GDPR (General Data Protection Regulation) and PDPL (Personal Data Protection Law), we want to be open and honest with what data we capture, what we use it for, how you can interact with that data and also how you can control that data. In order for us to communicate with you, we require your consent or “opt in”.

1.1 What kind of personal information does BENEFIT collect online?

BENEFIT may collect personal data about you from the following sources:

From Government Authorities and Regulators;
From members of BENEFIT services;
If you contact us, we may keep a record of the correspondence;
From our internet website;
From public sources such as vendors who may provide personal data;
From events that we either attend or host ourselves (digital or on-the-ground).

The information we collect will include but not limited to; your name, address, date and place of birth, nationality, passport number, ID number, occupation, employer name, email address, telephone/ mobile number, and any other personal details.

1.2 How does BENEFIT safeguard the personal data we collect?

BENEFIT maintains electronic and procedural safeguards designed to protect your personal data from unauthorized access or intrusion. BENEFIT limits access to the personal data only to those employees, contractors and agents who need such access in connection with providing products or services to you, to clients with whom you have a relationship, or for other legitimate business purposes. Some of these measures may include encryption, physical access security, user access security measures or other technologies and tools which BENEFIT believes may enhance the security of its systems and facilities. However, BENEFIT has no responsibility or liability for the security of information you provide to BENEFIT transmitted via the Internet.　 BENEFIT employees receive annual training on Information Security Awareness.

1.3 How does BENEFIT use the personal data collected?

BENEFIT uses the data we collect to assist us in providing products or services to you, to our clients and members, to provide you with information about those products or for other legitimate business purposes;
BENEFIT does not seek to determine your identity when you simply browse our site, however, if you provide BENEFIT with your contact information, such as by completing an online form or providing information in a job application, BENEFIT will know your identity;
BENEFIT may use cookies to aggregate information about the web pages you visit, so BENEFIT can update or enhance our services (such as retargeting);
BENEFIT may disclose your personal data if regulatory obligations require BENEFIT to do so, if BENEFIT determines such disclosure is legally advisable or necessary in order to protect BENEFIT’ rights, the rights of others, or in order to prevent harm;
We will only retain your data for as long as is necessary and in accordance with applicable law. We set out our retention periods within our company policies.

1.4 What is the legal basis for processing your personal data?

BENEFIT collects, uses, stores and otherwise processes personal data where necessary to provide a service which you request, where necessary to comply with a legal obligation, and where necessary pursuant to BENEFIT’s legitimate interests and where these interests are not overridden by your data protection rights.

1.5 Who has access to the personal information BENEFIT collects?

BENEFIT limits access to personal information to those BENEFIT and its members, regulators, government authorities, vendors, consultants, employees, contractors, business partners or agents who require such access in connection with providing products or services to you or for other legitimate business purposes.

1.6 With whom does BENEFIT share the personal information we collect?

Government authorities.
Members of BENEFIT services and Financial Institutions.
Regulator.

2.0 BENEFIT’ use of Cookies on website:

2.1 What are cookies?

A “cookie” is a small text file that’s stored on your computer, tablet or phone when you visit a website.

Some cookies are deleted when you close down your browser. These are known as session cookies. Others remain on your device until they expire or you delete them from your cache. These are known as persistent cookies and enable us to remember things about you as a returning visitor.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org. Alternatively, you can search the internet for other independent information on cookies.

It is usually possible to stop your browser accepting cookies, or to stop it accepting cookies from a particular website.

All modern browsers allow you to change your cookie settings. You can usually find these settings in the ‘options’ or ‘preferences’ menu of your browser. To understand these settings, the following links may be helpful, or you can use the ‘Help’ option in your browser for more details.

Cookie settings in Internet Explorer
Cookie settings in Firefox
Cookie settings in Chrome
Cookie settings in Safari web and iOS

2.2 How does BENEFIT respond to “Do Not Track” signals?

BENEFIT is not responsible for the content or privacy practices of other non-BENEFIT websites to which BENEFIT’ websites may link. If you are asked to provide information on one of these sites, we urge you to carefully review their privacy policies before sharing.

3.0 Your Rights:

3.1 What rights do I have with respect to my personal data that BENEFIT may have collected?

The laws of certain jurisdictions may afford you the right to access your personal data held by BENEFIT and to request correction, amendment, portability or deletion of your personal data held by BENEFIT. In addition, where applicable, you may have the right to object to processing based on legitimate interests and to withdraw consent where consent forms the legal basis for processing. These rights may be limited, for example if fulfilling a request would reveal personal data about another person, or if the processing is required by law or another compelling legitimate interest. If you have unresolved concerns, you have the right to complain to a data protection authority. BENEFIT reserves the right, where permitted by law, to verify your identity, to refuse such requests where appropriate, and to charge a reasonable fee to cover the costs incurred in responding to such requests. In some circumstances, BENEFIT processes personal data on behalf of its clients and subject to the control and instructions of its clients. If you believe BENEFIT may have personal data about you due to services BENEFIT is providing or has provided to a BENEFIT client with whom you have a relationship, it may not be possible for BENEFIT to respond to your request. In that circumstance, it would be more appropriate for you to direct your request to the BENEFIT client with whom you have the relationship.

3.2 Requests to BENEFIT may be made in writing to the following address:

The BENEFIT Company
[email protected]

3.3 Online Privacy Notice Updates

This privacy policy may be updated from time to time so you may wish to check it each time you submit personal information on our websites and applications. The date of the most recent revisions will appear on this page.

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MEMBER’S AREA

BenefitPay Terms and Conditions

Definitions

App/Application

Bank

BENEFIT

Dispute

BenefitPay

Merchant

Payment Instrument

Transaction

User

Disclaimer; Terms

Reward program

Terms & Conditions for petrol Cash Back offer on BenefitPay:

Privacy Policy

Governing Law

Useful Links

Privacy Policy

1.0 GDPR & PDPL Consent:

1.1 What kind of personal information does BENEFIT collect online?

1.2 How does BENEFIT safeguard the personal data we collect?

1.3 How does BENEFIT use the personal data collected?

1.4 What is the legal basis for processing your personal data?

1.5 Who has access to the personal information BENEFIT collects?

1.6 With whom does BENEFIT share the personal information we collect?

2.0 BENEFIT’ use of Cookies on website:

2.1 What are cookies?

2.2 How does BENEFIT respond to “Do Not Track” signals?

3.0 Your Rights:

3.1 What rights do I have with respect to my personal data that BENEFIT may have collected?

3.2 Requests to BENEFIT may be made in writing to the following address:

3.3 Online Privacy Notice Updates