ONE GLOBAL POLICIES & PROCEDURES
Last updated on Dec 24, 2019.
Last updated on Dec 24, 2019.
By accessing to this App or using the “Og Money” Service, product, interface, App, you are accepting the policies and practices described in this Policy, as such Policy may be amended from time to time. Each time you visit the Site or App, or use the Service, you agree and expressly consent to our collection, use and disclosure of the information that you provide as described in this Policy.
“Og Money” App
When you install the “Og Money” App and register on the website, App, Interface and willing to interact with:
You will be asked to provide us with your phone number, National ID, Passport, Driving License or Social Security, or Passport details or image identification and which will be stored on our servers and will only be used to provide you with:
We may use your contact information to send you recommend and personalize offers based on your previous orders and interests.
“Og Money” may interact with your phone’s SMS inbox, placing incoming messages in your inbox or reading the contents of the activation SMS code sent to you by “Og Money”. WE WILL NOT ACCESS THE CONTENTS OF ANY OTHER SMS or contacts.
Cookies and Other Automatically Collected Data
Third-Party Sites and Privacy Practices
We will never (and will not allow any third party to) use the statistical analytics tool to track or to collect any Personal Information of visitors or users. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a device user. We will not associate any data gathered from this site with any Personally Identifiable Information from any source, unless you explicitly submit that information via a fill-in form on our website.
We do not rent, sell, or share any information about the user with any third-parties, except as specifically described herein. We may disclose your Personal Information if we believe such action is necessary to:
In order to provide you with “Og Money” services you have requested, “Og Money” may sometimes, if necessary, share your Personal Information (excluding your address book and related information) and traffic data with trusted partner service providers and/or agents, for example: banking organizations or other providers of payment and analytical services, customer support, or hosting services. “Og Money” will always require these third parties to take appropriate organizational and technical measures to protect your personal data and traffic data and to observe the relevant legislation. “Og Money” will never share your address book information with any third party, except as may be required by law (see below).
The following is a description of how we may share your Personal Information with trusted third party partners. Should we add additional partners, we will immediately update this description:
We may disclose information about you if we determine that for national security, law enforcement, or other issues of public importance that disclosure of information is necessary.
We may from time to time ask you to provide information about your experiences which will be used to measure and improve quality. You are at no time under any obligation to provide any of such data. Any and all information which is voluntarily submitted in feedback forms on the Site or any survey that you accept to take part in is used for the purposes of reviewing this feedback and improving the “Og Money” software, products and websites.
We may contact you to send you messages about faults and service issues. Furthermore, we reserve the right to use email, the “Og Money” software or SMS to notify you of any eventual claims related to your use of our software, websites and/or products, including without limitation claims of violation of third party rights.
We take reasonable precaution to protect Personal Information from misuse, loss and unauthorized access. Although we cannot guarantee that Personal Information will not be subject to unauthorized access, we have physical, electronic, and procedural safeguards in place to protect Personal Information. Personal Information is stored on our servers and protected by secured networks to which access is limited to a few authorized employees and personnel. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure.
3. Business Transitions
We will post a notice on this Site/App of any such change in ownership or control of the Personal Information we may have prior to such transfer.
4. Changes to Policy
From time to time, we may revise this Policy. We reserve the right to update or modify this Policy, or any other of our policies or practices, at any time with or without notice. However, we will not use your Personal Information in a way that is materially different than the uses described in this Policy without giving you an opportunity to opt-out of such differing uses. We will post the revised Policy on the Site, so that users can always be aware of what information we collect, how the information is used and under what circumstances such information may be disclosed. You agree to review the Policy periodically so that you are aware of any modifications. Your continued use of the Site indicates your assent to any changes and signifies your agreement to the terms of our Policy. If you do not agree with these terms, you should not use the Site, the “Og Money” App, or any other Service..
5. Change or Removal of Information
If you provided your e-mail address to us and wish to update it, you may do so by sending an e-mail to email@example.com
If you no longer wish to receive e-mail communication from us, such as offers, updates and newsletters, you may opt-out of receiving such communications by following the instructions included in each newsletter or communication. In addition, you can remove your e-mail address at any time by sending an e-mail with the subject line of UNSUBSCRIBE to firstname.lastname@example.org
6. Transaction fees
By using “Og Money” Site/App and/or by providing your information, you consent to the payment fees of the transaction during refund process to 3rd parties, banks and payment channels that been used inside “Og Money” and you consent to get paid back with proof of the transaction and with remaining amount of the transaction after deduction of all fees…
7. Physical Verification
In case of customer is verified physically by One Global in any of affiliate services or/and products, it will be considered as a general verification that can be used to purchase or / and register on another affiliate services or/ and products of One Global.”)
8. Data Protection Regulation EU Region
For the countries of European region and England where EU General Data Protection Regulation (GDPR) is applied, One Global Co.’s [ sister companies , and its Affiliates] Products or/and Services “Og Money” ,“Og Travel”, “Og Health”, “Og Play” ,“Og Business”, “Og Account”, and any Og App, Products, Services in the Future”, guarantee the compliance with GDPR under these terms and information stored are within your profile relation to Profile Information, “Types of Data” accessible anytime and to be used for the defined settings you have selected to be alerted based on your interest, critical and convenient alerts. Neither external nor third party has or will get access to such data and all with your Opt-in and opt-out consent that you will decide to enroll, login, logout, register, onboard, grant permission or any terms on the purpose of better experience of services we offer to You.
9. Contact Information
Please direct all questions in connection with this Policy via e-mail to email@example.com or by writing to:
Awtad Tower, 8th Floor,
The W-Wallet services are operated by the company under Kuwait law and powered by Warba Bank:
One Global Service for General Trading W.L.L
Kuwait city, AlQeblah, Fahd AlSalim Street
Awtad Tower, 8th Floor- Kuwait
The services provided by One Global and powered by Warba Bank can be found on www.ogmoney.co and are hosted by One Global and its service providers. One Global does not act as an internet access provider or as an electronic money institute.
Table of Contents:
1.1. “Additional Services”are additional services to the main service connected to the W-Wallet such as coupons, cashback or any other service which is not a main service
1.2. “One Global”means One Global Service for General Trading WLL, a company operating under the laws of Kuwait, having its headquarters and registered office at: Kuwait City, Al-Qeblah, Fahd Al-Salem Street, Awtad Tower, 8th Floor – Kuwait, entered into the Commercial and Companies Register of Kuwait under number 98600.
1.3. “W-Wallet Account” means the established relationship between you and One Global in order to use the W-Wallet and services provided therein.
1.4. “W-Wallet ”means the account through which you can manage digital transaction services of third-party providers, as well as services related to purchases from participating points of sale and participating websites or mobile applications of One Global Merchants.
1.5. “One Global Merchant” means any or all of the present or future entities, such as companies, app developers, internet companies and other participating establishments in a campaign in agreement with One Global, and approved by Warba Bank, where You can use W-Wallet for purchases of goods and services.
1.6. “One Global Services “means all services and contents made available under the W-Wallet Account by One Global and its Merchants.
1.7. “Mobile Wallet Service” is a service on the One Global servers storing all relevant data, information and necessary for the accurate performance of W-Wallet and regulating the processing of the transaction services commissioned through One Global. The Mobile Wallet Service is subject to respective special protection procedures and security features and powered by Warba Bank.
1.8. “W-Wallet Account” is an account held with One Global escrow account in Warba Bank for electronic money management, processing of user-led payments or other related transactions by using the associated transaction service, and handling of debiting from bank accounts, credit or debit card accounts.
1.9. “W-Wallet Transaction” are transactions commissioned by you through One Global to purchases of services of One Global Services or its Merchants accepted by Warba Bank.
1.10. “FAQ” or “Frequently Asked Questions” are additional clarifications and specific, as well as general, descriptions of the service.
1.11. “Main Services” are the “Og Money” App services.
1.12. “PIN” means Your Personal Identification Number.
1.14. “Services” are any services provided by us be it main services or additional services
1.17. “Verification Status” is the status given to you by One Global as further defined in Section 5 of these Terms and granted according to the information provided by you and allowing you to use certain options of your W-Wallet Account.
1.18. “We”, “Us”, “Our” stands for One Global, and also, in direct reference, the powered bank of W-Wallet.
1.19. “Website” means the website available at www.ogmoney.co
1.20. “”Og Money” App” is mobile Application owned to One Global facilitating getting electronic services and facilitating payment to “Og Money” merchants which approved by Warba Bank.
1.21. “You”, “Your” refers to the User who has accepted these Terms.
2. General Provisions
2.1. One Global shall not be deemed as a bank or similar credit institution, or other professional financial service provider. In addition, One Global is not an issuer of means of payment, products and service offers or vouchers and bonus programs, unless specifically mentioned. All purchases or sales of products and/or withdrawal of offers, vouchers and bonus programs, even when the transaction is executed through “WWallet“, shall be considered a legal transaction between you and a third party.
2.2. One Global provides a platform, which also includes a mobile application for the execution of payment transactions with W-Wallet and other services. The platform is available to both, One Global Merchants and One Global Users. The W-Wallet Account is managed by One Global and powered by Warba Bank.
2.3. The rights and obligations under these Terms may not be transferred or assigned without our prior consent in writing. This provision is without prejudice to the right of contract termination.
2.5. One Global incur no liability for any acts or omissions of any of its Merchants.
2.6. One Global Merchants may change their terms and conditions at any time without notice. We do not take any responsibility to inform you of any such changes.
3. General description of the W-Wallet Account
The Mobile Wallet solution offers the opportunity to manage services via any supported mobile device and can be used for initiating Transaction Services associated with “Og Money” eycosystem like for example, payment, couponing, cashback, and advertisement and voucher services. The User receives offers and promotional messages, as well as localized offers for vouchers and discounts from One Global Merchants.
3.1. To create a W-Wallet, it is necessary to open a W-Wallet Account and accompanied with the required documentations (such as a valid Kuwait Civil ID). In order to use the W-Wallet, internet access is necessary.
3.2. Access to the W-Wallet is protected by a PIN code, set by you. The W-Wallet can solely be used with this PIN code. You are responsible for the protection and the confidentiality of the PIN code.
4. Creating and using W-Wallet Account
4.1. In order to use the W-Wallet, You must first download the “Og Money” mobile application from the appropriate application provider on your supported mobile device and registered for W-Wallet Account.
4.3. To ensure accurate functioning between your W-Wallet Account and One Global and its Merchants, you explicitly authorize One Global to forward payment requests on your behalf and upon your instructions to the respective One Global Merchant from your W-Wallet Account.
4.4. You may only add information of payment instruments (e.g. a debit card, credit card number) to your W-Wallet, if you are the account holder of those payment instruments or have the right to operate with them.
4.5. You may only open W-Wallet Account if you are older than 18 unless barred by legal reasons of your country of residence. By creating a W-Wallet Account, You declare and warrant to One Global that this is not in violation of any laws and regulations that apply to you. You hold One Global harmless and indemnify us against any losses we incur related to your breach of this section.
4.6. In case you are under the majority age in your country of residence, a written consent of your parent/legal guardian may be required. The same applies if you are under legal guardianship.
5. General provisions regarding W-Wallet Account
5.1. W-Wallet Account is an electronic money account created through One Global with support from Warba Bank, responsible for the management of your Account based on your instructions and enabling you to manage electronic payments.
5.2. The W-Wallet Account is operated by One Global with powered by Warba Bank. The registration and the use of this service are subject to different terms and contractual relations with third Parties.
6. Payment limits of W-Wallet Account transactions
6.1. Any W-Wallet Account transaction might be subject to payment limits due to security, legal or regulatory requirements. These limits are set dynamically, depending on your verification status.
6.2. You shall ensure that the balance on your W-Wallet Account is sufficient to cover the W-Wallet Transaction you intend to make as well as any applicable fees, including services fees and currency conversion charges if there.
6.3. You should be aware that the recipient of a payment may also be subject to load or payment limits and that this may affect the recipient’s access to the funds intended to be sent.
6.4. There are specific payment limits. To establish higher limits, you have to follow the procedure requiring as further described on One Global website and provide more personal and financial information and identification documents.
6.5. Loading funds may be limited due to security, legal or regulatory requirements. These limits are set dynamically depending on your Verification Status and the selected load method. You shall be aware that depending on your Verification Status the load limits may be higher than the unload or payment limits.
6.6. Updated information on verifications requirements and limits are available on the “Og Money” App and Website.
7. Maintaining Your W-Wallet Account
7.1. You are responsible for keeping the data stored in the W-Wallet Account accurate and up-to-date at any time. We shall not be liable for any loss arising out of mistakes or omissions on your part. We may require at any time that you confirm the accuracy of your information or that you submit supporting documents.
7.2. We may contact you via e-mail, SMS message or through any other communication channel to send information or messages regarding your W-Wallet Account.
7.3. Any payments related to loading, receiving money, sending money and unloading are registered as transaction history, combined with any possible charged service fees if there, and are displayed upon request. You are advised to verify the status of Your WWallet Account and the transaction history on a regular basis.
7.4. We may suspend or otherwise restrict the access to your W-Wallet Account if relevant reasons relating to its security and/or security features occur, or upon suspicions of unauthorized use, or fraudulent use or misuse of your W-Wallet Account, or if we deem the overall W-Wallet Account security may be at risk.
7.5. We may, at our absolute discretion, refuse any order, request or associated electronic payment instruction without giving any reason. In no case, we will incur any liability for any loss or damage incurred by you or any other party.
8. Termination of Your W-Wallet Account
8.1. You may at any time suspend or terminate your W-Wallet Account within the personal and security settings section. In this case, you are requested to transfer any remaining balance from Your W-Wallet Account to Your personal bank account prior to closing the W-Wallet Account with deducting any money transfer fee from your side.
8.2. One Global may, at any time, terminate your W-Wallet Account with a previous 10 days’ notice. The aforementioned is without prejudice to the right of extraordinary termination for good cause. In particular, a good cause is a violation of these Terms.
8.3. We may suspend or cancel your W-Wallet Account immediately without notice if;
8.3.1. You break any part of these Terms, or repeatedly break these Terms and fail to resolve the matter within 5 working days, or use Your Account or any of its facilities in a fraudulent or unlawful manner. The reasonable suspicion of an account misuse is sufficient to act upon;
8.3.2. You act in a manner that is threatening or abusive to our staff, or any of One Global representatives or any of its merchants;
8.3.3. Your W-Wallet Account was cancelled for good cause by the W-Wallet supporting bank.
8.3.4. there is a reasonable presumption or suspicion that your account usage may entail a risk of reputational damage for One Global or may be linked to financial crime;
8.3.5. there are otherwise reasonable presumptions or suspicions that you have not complied with these Terms.
8.3.6. You failed to provide any documents requested by One Global.
9. Service fees for the use of W-Wallet Account
9.1. Fees for the use of W-Wallet is free, with keeping our right to applying fee anytime.
9.2. Payable fees will be deducted from your W-Wallet Account balance and you hereby authorize us to do the deduction if you accept to pay One Global Merchants transaction fees.
9.3. Transaction related fees can be viewed at any time on the “Og Money” App.
10. Your Data/Access protection
11.1. We shall not be liable for any indirect or consequential damages including loss of profit, loss of business and loss of reputation. We shall also not be liable for any losses arising from compliance with legal and regulatory requirements.
11.2. Nothing in these Terms shall operate to exclude liability for death or personal injury due to negligence, fraud, or deliberate fraudulent representation, or for any other statutory liability that is not subject to exclusion or complementing by an agreement between the parties.
11.3. Our obligation under these Terms is limited to providing you with the W-Wallet and to the services offered directly through it, and does not make a statement in relation to or endorsement of the quality, safety or legality of any goods or services provided to “Og Money” App User.
11.4. With regard to the use of the W-Wallet Account, specific liability provisions apply by the supporting bank of W-Wallet, Warba Bank.
11.5. We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between you and another User or One Global Merchants.
11.6. Any user claims, in the event of caused damages, are excluded. This does not apply to damages due to deliberate actions or gross negligence, loss of human life, personal injury, sickness, as well as due to breach of material contractual obligations (cardinal obligations), as well as to other damages caused by a violation of the official duties due to deliberate actions or gross negligence on behalf of One Global legal representatives or authorized persons. For the purposes of these Terms, cardinal obligations are those ensuring the due contract performance and the fulfilment of its purpose, and which can be relied upon by you.
11.7. With regard to damages from non-performance of a material contractual obligation, we shall be liable only to the extent of the damages typically foreseeable at the time of the contract conclusion, on condition that the damages are caused by simple negligence and there is no loss of human life, personal injury, or sickness.
12.1. You agree to indemnify One Global and other companies from our corporate group, to defend and hold harmless from and against any damages, claims, costs and expenses (including legal fees, fines and penalties), that We incur or suffer due to or arising out of your breach of these Terms, the effective legislation or regulations and/or the use of the W-Wallet Services.
12.2. The provisions of Section 11 and this Section 12 shall outlast the termination of the contractual relationship between us and you.
13. Communication and Customer Support
13.1. Communication by One Global will be made via e-mail, phone, chat or mobile application notification. You may contact us any time by sending a message to our customer support service, or by using the contact form on the website or e-mail to firstname.lastname@example.org
13.2. To receive information about your W-Wallet account, you have to be identified according to our procedure.
13.3. Customer support service is available 9:00am to 5:00pm Sunday to Thursday. During these hours, we will endeavor to resolve all enquiries in the shortest time possible.
13.4. Enquiries received after the end of a particular business day will be treated as having arrived on the following business day.
13.5. Standard communication will be done by e-mail or mobile phone messaging. For this purpose, you must maintain at least one e-mail address and your mobile phone number in your W-Wallet Account at all times. You are required to check for incoming messages on a regular and frequent basis. Electronic mails may contain links to further communication on our website or mobile application.
13.6. Apart from communicating by e-mail, we may contact You via letter or telephone, where appropriate. Electronic mails with executable files attached or containing links to any executable files will never be sent by us. In case of receipt of an e-mail with such attachments, you should delete it without clicking on the attachment or the link and inform us about this occurrence. In case of uncertainty whether a communication is originating from Us, You may contact the customer support service.
13.7. We will communicate in Arabic or possibly in English. The preferred language can be set in your profile. Supported languages are listed in the W-Wallet and/or on the website.
14. Notice under user’s right of withdrawal
14.1. Private user may cancel the registration of the account in writing without specifying the reasons for the cancellation within a period of 14 days.
14.2. Such notice must be addressed by e-mail or by letter to:
One Global Service for General Trading W.L.L
Kuwait City, Al-Qeblah, Fahd Al-Salem Steet
Awtad Tower, 8th Floor- Kuwait
15. Governed Law
16. Amendments of these Terms
16.1. We have the right to fully or partially amend or supplement these Terms.
16.2. Such amendments or supplements will be duly communicated to you, will become effective, and will be deemed approved by you after the expiration of a term, which we shall communicate with the first publication, unless you have rejected them in writing.
16.3. In the event of your rejection, we reserve the exclusive right to terminate the use of the W-Wallet Service.
16.4. In the event, despite your disagreement, you have failed to undertake cancellation, and use any of the services after the effective date of the amendments to the Terms (payments, purchases or equivalent transaction services), such activity is deemed to have been done in agreement to the amended Terms.
WE DO HONOR REQUESTS FOR CANCELLATION WITH FOLLOWING PROCESS:
WE DO HONOR REQUESTS FOR REFUND WHERE THE FOLLOWING REASONS APPLY ONLY: