Terms & Conditions - User Agreement

This Agreement is a contract between You and BFC Payments B.S.C. (C) which is the operator of BFC PAY mobile application. By using the BFC Pay mobile application means that you have accepted all the terms and conditions contained in this Agreement.

  1. General Terms and Condition

    1. These terms and conditions (“T&C” or “Terms”) govern the terms under which you may access and use the products of BFC Payments, which include the BFC Pay App, BFC Pay Wallet, BFC Pay Website (as applicable) and the services associated with it (together the “Service” or “Services”). By accessing, registering, or using the Service, you agree to be bound by the terms of this T&C.
    2. Under these T&C, the terms “BFCP”, “we”, “us”, and “our” refer to BFC Payments B.S.C. (C), a closed joint stock company incorporated in the Kingdom of Bahrain under commercial registration number CR 121852 and licensed by the Central Bank of Bahrain (CBB) as an Ancillary Service Provider; and having its registered address at Shop No. 303, Building 150, Road 1507, Block 315, P.O. Box 243, Manama, Kingdom of Bahrain.
    3. The terms “User”, “you” and “your” refer to users of the Service, as Account Holders, Senders, Recipients, and other applicable users of the Service.
    4. These T&C shall be effective, valid and binding from the time that you agree to it or the time you use any of the Services and will be in full force and effect up to the time that it is terminated by you or us, save for some provisions which shall remain effective after termination, as stated in this T&C, under any applicable law, rule or regulation.
  2. Definitions Of Terms

    1. BFC Pay: Means the BFC Payments Mobile Application installed on the User’s smartphone, which is a mobile payment software that facilitates payments to merchants and money transfers.
    2. Wallet: means the mobile wallet issued to the user and maintained with BFCP on the App It is a stored value account with the ability of loading the digital wallet through Bank ATM card via PG or third-party applications.
    3. “Call Centre” refers to the customer care telephone helpline and email provided by BFCP for the App.
    4. “Dispute” means any contentious matter reported by a User to BFCP related to a financial transaction on the App.
    5. “Merchant” means the entity/person that receives the payment through the App in exchange for rendering assets/ services to a User.
    6. “Payment Instrument” means the tool used for making payments on the App, issued by BFCP or by a User’s Bank i.e., debit / credit card or bank account.
    7. “Transaction” means the process carried out between a User and a Merchant to exchange an asset or service for payment or a fund transfer between a payer and a beneficiary through the App.
    8. “User” means any person who uses the BFC Payments Mobile Application
  3. BFC Pay Services

    1. BFC Pay Account

      1. The BFC Pay Account is a reloadable electronic wallet that stores Bahraini Dinar redeemable only at face value.
      2. The value loaded into the BFC Pay Account may be used to purchase services via In-app, or other applicable payment channels. It shall not earn interest nor monetary rewards and other similar incentives convertible to cash, nor shall any monetary amount be purchased at a discount. It is not an interest earning depository account. It shall be treated as a personal account of the Account Holder and shall not be used to engage in the business of remittance or for any other business purposes, except upon execution of a written agreement with BFC Pay allowing such. It is subject to the rules and regulations of the CBB and the Anti-Money Laundering Act (Decree Law No. (4) of 2001) and the Data Privacy Act; wherein penalties and consequences arising from violations to the rules and regulations of CBB, and other governing bodies made by the Account Holder shall be under the liability of the Account Holder.
    2. Eligibility

      ser must be a resident of Bahrain having a valid CPR and must have attained 18 years of age for availing the services. Any person shall be required upfront to download & register with BFCP on their mobile smart phone. The App will link with the profile provided /confirmed by the User at the time of registration and will be associated with the registered mobile number of the User.

      You are eligible to hold only one wallet account with BFC Pay at any given time

      To get the WPS services on the wallet, you must initiate or update the registration through your authorized employer.

    3. BFC Pay Account Terms

      1. Your Wallet Account is an e-money account. You acknowledge that Your Wallet Account is not a bank account. There is no overdraft facility available on Your Wallet Account.
      2. BFC Pay is constantly innovating in order to provide the best possible experience for its users. You acknowledge and agree that BFC Pay may make new services available to You. We will notify You of any amendments to the Agreement resulting from the introduction of new services by email or by providing a link to the updated Agreement at least thirty (30) days prior to the new service becoming available.
      3. You acknowledge and agree that BFC Pay may stop providing the Wallet Services to You as provided in the Agreement. You may stop using the Wallet Services at any time. You do not need to inform BFC Pay when You stop using the Wallet Services.
      4. You acknowledge and agree that BFC Pay may establish general practices and limits concerning the use of the Wallet Services without prior notice to You, including without limitation individual or aggregate transaction limits on the value or number of transactions during any specified time period(s) and Recharge Limits. In addition to any applicable account limits and Recharge Limits, We may restrict transactions to or from Your Wallet or Card Account or limit access to Your Wallet or Card Account in such amounts and for such time as We reasonably deem necessary to protect Us or other users if (a) We are subject to financial risk, (b) You have violated any term of this Agreement, (c) any dispute exists involving Your Wallet or Card Account or transaction conducted in connection therewith, or (d) needed to protect the security of Our systems.
      5. We may restrict access to Your Wallet or Card Account while We complete any pending investigation or resolve a pending dispute. We also may hold the funds in Your Wallet Account as required by law or court order or if otherwise requested by law enforcement or any governmental entity.
      6. For the facilitation of the foregoing, Your Wallet Account will show the Available Balance only. You will only be able to use funds showing in your Available Balance for payments and transfers from Your Wallet Account.
      7. BFC Pay may refuse to execute any transactions or orders or other use of the services if BFC Pay has reasonable grounds to suspect fraud, a breach of the applicable Agreement by You or a violation of law.
      8. Transactions may also be delayed due to BFC Pay’s or a third party’s compliance with its obligations under applicable anti-money laundering legislation, including if BFC Pay or the relevant third party suspects the transaction involves fraud or any other financial crime. In the event that BFC Pay refuses to execute a transaction or order or other use of the services, You will be notified and We will provide You with objectively justifiable reasons for the refusal, unless it is unlawful for BFC Pay to do so, or would compromise reasonable security measures. Funding, payments and transfers are displayed in Your Wallet Account, and You should check Your Wallet Account balance and transaction history regularly. You should report any irregularities or clarify any questions You have as soon as possible. We will provide You with a history of the transactions that You make under this Agreement at least once per month free of charge, including details of the amounts, the fees, charges and commissions, the dates and times of execution and the reference numbers for each transaction.
    4. Identity Verification

      1. You agree to present BFC Pay Your valid National ID, Your ID number, and Expiry Date when requested. You authorize BFC Pay, directly or through third parties or third-party technology solutions, to make any inquiries/process to validate your identity. This may include asking you for further information or documentation, like photo of your face, recorded video of your face or additional documents to verify the identify.
      2. You agree that we contact Information & eGovernment Authority (iGA) to verify and collect your record for opening the account and completing our KYC process via the Wathiq platform.
      3. You Agree our authorized person can contact / visit you to complete the verification process of your identity through direct interaction.
      4. You agree to do the compliance Checking process prior to approval and acceptance of the account creation
    5. Load money

      1. BFC Pay may decline any request to load Your Wallet Account while the Recharge Limits are reached.
      2. You may deposit money into Your BFC Pay accounts by transferring funds from Your traditional bank accounts via debit cards using Benefit Payment Gateway or Benefit Pay App. Your maximum balance of a BFC Pay account cannot exceed BHD 1,000 for a general-purpose customer (For WPS payroll customer the max limit is BHD 3,000)
      3. We will inform You if this limit changes in the future, and We may limit Your ability to deposit and withdraw funds until You comply with Our requests for information.
    6. Sending Money

      You may send funds domestically to a BFC Pay registered user by BFC Pay app, which will result in Your BFC Pay account balance debited by the amount transferred, along with applicable Fees, if any.
    7. International Remittance

      You may transfer funds from Your Available Balance through International Remittances. You hereby acknowledge and agree that this Wallet Service is powered and serviced by Remittance Intermediaries and such International Remittances will be subject to special terms and conditions. Refer to BFC’s Digital Remittance service Terms and Conditions for more information.
    8. Bill Payment

      You may settle Yours or Your friends and families’ bills by using BFC Pay application feature powered by a service provider’s bill payment service and Your BFC Pay account will be debited accordingly. Service providers include BFC, Sadad etc.
    9. Other Service Providers

      BFC Pay may introduce other payment transactions from time to time and will update these provisions accordingly.
    10. BFC Pay Card

      The limit of payments of all Payment Cards linked to Your Wallet Account shall be the Available Balance of Your Wallet Account, and You shall comply with this limit at all times. This limit is subject to change from time to time at our sole discretion. You can always check Your Available Balance by logging into Your Wallet Account. You will be able to access statements and summaries of transactions relating to Your BFC Pay account and Payment Card via the App. At carrying out any transaction using Your Payment Card, we will charge such amounts by automatically debiting Your Wallet Account for each transaction. You will be agreeing for a separate terms and conditions to issue a card and use it.
    11. Statement

      You acknowledge and agree that not receiving the account statement does not excuse You of Your obligation to make payment of the amounts due on Your Payment Cards to Us. You can find out the available balance and statement of the Wallet account and Payment Card by accessing the BFC Pay App. In the event you disagree with any amount charged to Your Payment Card or Wallet account as indicated in the statement, You must communicate the same to Us by reaching out to our customer support service within 7 days of showing such transaction on the statement, failing which, We will not be responsible if the transaction concerning such issue is not successfully disputed with the transaction processing bank or the biller.
    12. Other service terms

      1. User authorizes BFCP to store certain data of the payment instruments and transaction history and information
      2. The User shall not hold BFCP responsible for any Dispute arising from any purchase of goods/services from any Merchant through Transactions initiated through the App or fund transfers to any beneficiary. The User understands and agrees that all such claims, if any, shall be against such Merchant(s) or beneficiary(ies) and not against BFCP.
      3. BFCP does not warrant that the use of the App or its content will be uninterrupted or error- free and expressly disclaims all representations and warranties, whether express, implied or statutory to the extent permitted by applicable laws including any warranty of fitness for a particular purpose or merchant ability.
    13. WPS Wallet Type

      1. In the event of your existing BFC Pay account change to a WPS payroll account, which happens when your employer raises a formal request and subscribes to BFC Payments’ payroll services and we issue a BFC Pay WPS account to all requested employees, in such event, for an already registered BFC Pay account holder, we will be reusing the valid KYC documents submitted at the time of registration and post activation your account will reflect the threshold and limits of WPS payroll account. Similar process of downgrading to general purpose account from WPS account, will apply in case you are no longer receiving salary into your WPS payroll account from your respective corporate for a period of 6 consecutive months.
      2. Only WPS account types are eligible to access our partner service of withdrawing salary from the account through BFC branches >
      You agree to get your KYC details collected and verified through your respective employer in case of opening a payroll account, which involves performing offline KYC verification
  4. Service Charges

    Charges for services provided on the App shall be informed upfront to the User. BFCP reserves the right to change or modify charges by giving prior notice and recover from the User such charge for providing services through the App. The User hereby authorizes BFCP to recover the said charges by debiting the e-Wallet of the User after due intimation.
    Wallet Opening Zero
    Load Money 100 Fils + VAT
    Send Money to BFC Pay Wallet Zero
    International Remittance No additional charges for wallet. Service fees decided by the service provider (BFC) will be collected
    Bill Payments Service fees decided by the Service Provider (BFC) will be collected
  5. Limits and Thresholds

    Wallet Opening General Purpose
    Max Balance at a given time BHD 1000
    Per Transaction Amount BHD 500
    Max Load wallet BHD 1000
    Daily Transaction Count 50
    Daily Transaction Amount BHD 1000
    Monthly Transaction Count 150
    Monthly Transaction Amount BHD 15000
    Max Add Money (Load Wallet) Amount in a Transaction BHD 500
    Min Add Money (Load Wallet) Amount in a Transaction BHD 5
    Max P2P Transaction Amount BHD 500
    P2P (Domestic Transfer) Count 10
    Max Amount for Third Party Services - Bill Payments, Utilities BHD 1000
    Max Amount for Third Party International Remittance Services BHD 1000
    Daily ATM Withdrawal Limit BHD 1000
    Daily POS Payment Limit BHD 1000
  6. PERSONAL INFORMATION

    1. BFCP may collect and/or store the User’s personal data only to the extent and for the purpose(s) required and permitted under applicable laws and subject always to the prior written consent of the User which can be revoked by the User at any time. BFCP will not share any personal or sensitive data with any third-party without the prior written consent of the User which can be revoked by the User at any time, unless required for legal purposes.
    2. You authorize BFCP to show the e-Wallets registered in the App to the paying party when the paying party uses the beneficiary mobile number/National ID (CPR) to transfer.
    3. You authorize and give consent to BFCP to use the information for the purpose of market analysis, marketing and for statistical purposes.
    4. The Account Holder shall immediately notify BFC Pay via telephone, BFC Pay app or a written notice of any change in his/her Identify documents, or address and/or contact details/telephone number(s), which shall be subject to verification by BFC Pay through presentation of proper documents. The request shall be considered valid and final upon authentication of User, based on BFC Pay verification process. Verification process may be through mobile app or via email, or through call or face to face verification
    5. As applicable, Account Holder may also change their personal information via the App, following the instructions and security measures set by BFC Pay. The request shall be considered valid and final upon authentication of User, based on BFC Pay verification process.
  7. Your Obligations

    1. You agree to abide by the obligations stated under this section. You understand that failure to abide by these obligations is subject to BFC Pay applying suspension and/or termination of your BFC Pay Account, and proper reporting to the applicable authority of the laws, rules and regulations that govern BFC Pay
    2. You will pay all obligations, Service fees and Tax that may be imposed depending on the Service that you availed. BFC Pay has the right to deduct from your BFC Pay wallet account any and all monies that may be due and demandable by BFC Pay.
    3. You will pay all obligations, Service fees and Tax that may be imposed depending on the Service that you availed. BFC Pay has the right to deduct from your BFC Pay wallet account any and all monies that may be due and demandable by BFC Pay.
    4. Your primary email address and mobile phone number will be up to date so that BFC Pay can communicate with You electronically
    5. In the event that the amount of your transactions exceeds the available balance in your Account and the transaction was allowed or consummated for any reason, BFC Pay has the right to recover from you by way of compensation.
    6. You agree not to alter, modify, or cause the alteration or modification, of the Services, without prior written consent from BFC Pay. You further agree not to use the Services for any commercial use, without prior written authority from BFC Pay.
    7. You agree not to alter, modify, or cause the alteration or modification, of the Services, without prior written consent from BFC Pay. You further agree not to use the Services for any commercial use, without prior written authority from BFC Pay.
    8. You agree not to gain or attempt to gain unauthorized access to any part or feature of the Services or to any other system or network connected to the Services. You also agree not to gather, harvest, or otherwise collect information about others using the Services without their explicit informed consent; nor restrict, prevent or prohibit any other party from using the Services, including but not limited to such actions which may tend to discourage others from using the Services, such as stalking, flaming or the lashing out at other parties, spamming or the sending of unsolicited information, advertisement or content, flooding or the sending of repetitive message, trolling or the use of insulting or deliberately divisive information, material or content, other forms of annoyances, and the like.
    9. You agree not to circumvent, disable, or otherwise interfere with security-related features of the Services, including those that prevent or restrict use or copying of any content, material or information available on or through the Services, as well as those that enforce limitations on the use of the Services
    10. You agree not to probe, scan or test the vulnerability of the Services or any network connected to it, and not to breach the security or authentication measures on the same. You agree not to reverse look-up, trace or seek to trace any information on any user of or visitor to the Services, or any other customer of BFC Pay including any account maintained with the Services not owned by you, to its source, or exploit the Services or any information made available or offered by or through the Services, in any way where the purpose is to reveal any information, including but not limited to personal identification, other than your own information.
    11. You agree to use or access the Services for your information and personal use solely as intended through the provided functionality of the Services. You agree not to copy or download any material or content from or through the Services unless such copying or downloading is explicitly allowed by a visible manifestation thereof such as a “download” button or a similar link ostensibly displayed. You further agree not to engage or attempt to engage in the use, copying, transmission, broadcast, display, distribution or sale of any of the contents, material or information available on or through the Services, including user comments and the like, other than as expressly permitted herein, or as explicitly indicated in the Services, including use thereof for commercial purposes
    12. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Services or its systems or networks, or any systems or networks connected to the Services.
    13. You agree not to incorporate any word in your name, message identification, or custom user title that is defamatory, obscene or profane, or which violates any trademark, service mark, or other intellectual property rights of any third party, including that of BFC Pay. You likewise agree not to use any trademark, trade name, service mark, or logo in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names or logo.
    14. You agree not to use any device or routine to interfere or attempt to interfere with the proper working of the Services or any transaction being conducted using the Services, or with any other person’s use of the Services. You agree that you will not engage in any activity that interferes with or disrupts the Services or the servers and networks which are connected to the Services.
    15. You undertake to provide us with: (a) true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes; (b) provide us with any identity documentations as may be requested by us; (c) provide us with details of one or more Payment Instruments; (d) provide us with true, accurate, current and complete information is required to receive the Service and any other information which may be required in relation to the Recipient; and (e) any other information that must be provided for the Service to be properly executed, as specified when you enter the details of the Service you are interested. You agree not to conceal your true name or use fictitious name, otherwise, BFC Pay may can take appropriate action against you through Law.
    16. Once You confirm the Transaction or ask BFC Pay to proceed with the Transaction, you agree that you may not cancel nor reverse such transaction. BFC Pay shall proceed with crediting the account of the Recipient and once the money or fund is in the account of the Beneficiary or Recipient, BFC Pay cannot reverse nor deduct such account without the proper order from authority or Law.
    17. You agree not to use the Services for any purpose that is illegal, unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes on the rights of BFC Pay or others, which includes but is not limited to 1) selling, leasing or giving your Account to a third party, 2) earning monies, goods or services by performing transactions using the Services for a third party, and 3) acting as a remittance agent using the Services. You further agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on any content, material or information, either in whole or in part, available on or through the Services, unless you have been specifically permitted to do so by BFC Pay or by the owner of that content, material or information in a separate agreement.
    18. You agree that you are responsible to check for update/s and will download such update/s to the BFC Pay App before use. You understand that certain BFC Pay App functions may not be available or disabled by BFC Pay if you do not perform the needed update.
    19. You shall not share any passwords, Personal Identification Numbers (PIN codes, password, OTP), IDs related to payment authorization or login details. The User acknowledges that 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.
    20. All transactions initiated by the User from any Payment Instrument registered in theApp is th e sole liability of the User. You agree and acknowledge that the use of the App is personal to the User and at his/her full risk and liability. The User may not assign it to anyone else.
    21. You will be solely responsible and BFCP shall not be liable to the User for any loss or damage whatsoever and of any kind as a result of fraudulent activity, unauthorized use or misuse of the App.
    22. BFCP shall ensure its best effort to secure the App and all information related to it including wallet/card holder and User data in accordance with applicable laws, international standards including PCI DSS and best practices.
    23. For transfers/payments to accounts, the User authorizes BFCP to debit his/her e-Wallet based on a request initiated by the User through the App for the purpose of payment or transfer.
  8. Termination

    1. The User may terminate this agreement at any time by contacting the Call Centre.
    2. The User shall remain responsible for any and all transactions made through the App and the Wallet until such termination.
    3. BFCP can terminate, change these Terms, or add or delete any items in these Terms at any time.
    4. BFCP will provide notice if required by Law. The User cannot change these Terms but can terminate these Terms at any time.
    5. The User accepts and understands that it is his / her responsibility to refer to the updated Terms and will have no right to make any claim against BFCP due to lack of his / her notification or consent to the changes made to the Terms, to the extent permitted by applicable laws.
  9. Warranties

    1. We do not warrant and shall not be responsible due to failure of operational systems or technical issues or any reason beyond its reasonable control.
    2. The User shall remain responsible for any and all transactions made through the App and the Wallet
    3. We cannot give any undertaking that products or services purchased using the App will be of satisfactory quality, and any such warranties are DISCLAIMED absolutely.
  10. Privacy

    1. We use Your personal data in the manner set out in Our Privacy Policy which can be referred through our website and App.
    2. Using the Service and the App, You consent to the collection and use of Your personal data in the manner set out in the Privacy Policy.
    3. If We decide to change Our Privacy Policy, We will post those changes on the Privacy Policy page so that You are always aware of what information We collect, how We use it and under what circumstances We disclose it. You should check the Privacy Policy frequently for changes. We will protect Your personal data and maintain its confidentiality including where it is held by an agent or third party on behalf of Us and ensure that We have in place and maintain adequate policies, procedures and controls.
    4. We will not disclose Your Personal Data unless: (i) required to do so by applicable laws and regulations, by CBB or other competent authority in the Kingdom of Bahrain; or (ii) the disclosure is made with Your prior written consent. For Further information, please refer to our privacy Policy accessible through the App.
  11. Proprietary Rights

    1. The User acknowledges that the underlying software required for accessing the App and e- Wallet/ availing the service(s) are the legal property of BFCP.
    2. The permission given by BFCP to access the App and e-Wallet/ avail the Service(s) will not convey any proprietary or ownership rights in such software.
    3. The User shall not attempt to modify, translate, disassemble, decompile, or reverse engineer the underlying software or create any derivative product based on the software.
  12. Governing Law

    These Terms and Conditions and any amendments thereto from time to time shall be governed by and construed in accordance with the laws of the Kingdom of Bahrain and subject exclusively to the jurisdiction of the Bahrain Courts.