Terms & Conditions

Article 1 — Purpose of this agreement

These Terms & Conditions govern access to and use of the eteWallet software platform (the “Platform”), including the website, APIs where offered, and related interfaces. The agreement is between you (the “User”) and ETEWALLET LTD (the “Company”).

Related documents form part of this agreement by reference: Disclaimer, Acceptable Use Policy, Privacy Policy, Fees, and About us.

Article 2 — Definitions

• Platform / eteWallet: the software application and interfaces operated by the Company that let Users create accounts, view an internal platform balance, submit transfer requests, and use related features shown in-product.
• Company: ETEWALLET LTD, a software company registered in England and Wales (Companies House No. 17456319).
• Platform balance: an internal ledger / accounting record in USD (unless stated otherwise) showing amounts available for transfer requests within your account limits. It is not a bank deposit and is not e-money issued by the Company.
• Transfer request: an instruction you submit on the Platform asking a specialised third-party provider to send value to a supported destination (for example an Egyptian mobile wallet or bank path).
• Licensed payment processor / specialised provider: independent third parties (for example card acquirers or payout partners) that process payments or execute sends under their own licences and rules. They are not the Company.
• Operation status: the status shown in your account for a funding event, transfer request, or related movement.
• Virtual card: where enabled after verification, a spending instrument issued under a licensed card program; the Company is not the card issuer.

Article 3 — Nature of the Company and the Platform (important)

The Company is a software company. It provides technology (software, interfaces, and internal ledger records) that help Users interact with licensed payment processors and specialised providers.

Without limiting the foregoing, the Company does not claim to be, and you must not treat the Platform as:

• an electronic money institution (EMI) or e-money issuer;
• a bank, deposit-taker, or safeguarded-funds custodian;
• a money-transfer agent, remittance principal, or payment institution licensed to move funds as principal in Egypt or the United Kingdom under a remittance/EMI licence held by the Company;
• an Egyptian mobile-wallet operator (such as Vodafone Cash, Orange Cash, or Etisalat Cash / e& money), or a CBE-authorised e-wallet issuer;
• the card issuer for any virtual card shown in the product.

Card payments, payouts to Egyptian wallets/banks, and card issuance (where offered) are performed by third parties under their licences. Destination wallets remain subject to those operators’ own terms, limits, and fees.

Article 4 — Eligibility and account opening

• You must provide accurate registration information and keep it up to date.
• You must be able to enter a binding agreement under applicable law. Business accounts must be opened by an authorised representative.
• The Company may require email, phone, and identity verification before enabling features or raising limits, and may refuse, delay, or reopen verification for risk or compliance reasons.
• One person or entity should not open multiple accounts to evade limits, monitoring, or prior closures.

Article 5 — Platform balance (internal ledger)

After a successful payment through a licensed payment processor (or another funding path shown in-product), the Platform may show a USD platform balance. That balance is an internal ledger entry: an accounting record of the amount available for transfer requests within your limits.

• It is used to submit and track transfer requests and related Platform movements.
• It is not a bank deposit, not interest-bearing, and not presented as customer money held by the Company outside that internal record.
• It is not e-money issued by the Company and must not be described as an Egyptian e-wallet balance.

Card payments are processed by a licensed payment processor and may be linked to a Customer record under your email for receipts, payment methods, and disputes. The Platform balance remains the internal ledger described above.

Article 6 — Services available on the Platform

Subject to account type, verification, risk controls, and provider availability, the Platform may enable you to:

• Fund a platform balance by card through a licensed payment processor;
• Submit transfer requests to supported Egyptian mobile wallets (including Vodafone Cash, Orange Cash, Etisalat Cash / e& money where supported) and supported bank paths;
• Move transferable balance between Platform accounts, create money requests, and use merchant payment links and invoices;
• Where enabled after verification, use a virtual card for online spending from the platform balance through a licensed card program.

Features may change, be limited by geography, or be unavailable without prior notice where required for risk, law, or provider outages.

Article 7 — Transfer requests and operation status

When you submit a transfer request, the shown amount and fees are deducted from the transferable platform balance, and execution is carried out by a specialised provider under that provider’s rules. You are responsible for the accuracy of the destination details (wallet number, IBAN, BIC, etc.).

Quotes shown before confirm are binding for that submission unless a provider, network, FX, or compliance check fails. Each movement has an operation status in your activity record. Delays or failures at the provider, destination wallet, or bank are outside the Company’s sole control.

Article 8 — Fees, cancellation, and refunds

Platform fees are described on the Fees page and shown again in-product before confirm. Processor, network, and FX costs charged by third parties are separate and governed by their rules.

Merchant and business accounts are supplied on a business-to-business basis. Platform fees, commissions, and charges that have been incurred or authorised are non-refundable, and paid onboarding charges are non-cancellable for change of mind or third-party processor outcomes, except where the Company fails to provide the contracted software platform service due to its own material breach (remedy limited to fees paid for the undelivered service). Processor and network fees are typically non-refundable once processed. If you use eteWallet as a consumer under the laws of the United Kingdom or other mandatory consumer law that applies to you, nothing excludes statutory rights that cannot lawfully be excluded.

Article 9 — Merchants and connected payouts

Merchant accounts may collect via payment links and invoices. Settlement may credit a transferable platform balance for later transfer requests, or a connected bank payout account with a licensed processor. Where bank payout onboarding is required, you also agree to that processor’s connected-account / recipient agreement as updated from time to time.

Stripe Connected Account Agreement (where Stripe Connect is used)

Article 10 — Virtual cards

Where a virtual card is enabled after verification, it is a spending instrument for online use from the platform balance. Cards are issued under a licensed BIN-sponsor bank through a card-program manager/processor (for example Marqeta where used). The Company does not itself act as the card issuer. Loading adjusts the platform ledger and loads value onto the card program under the issuer’s and card-network rules. The virtual card is not a cash-transfer path to Egyptian mobile wallets, is not a bank deposit, and is not FDIC/FSCS insured. Full PAN and CVV are shown only after authenticated reveal and are not kept in plain text by the Platform after display.

Article 11 — User obligations and security

• Keep login credentials, devices, SMS OTPs, and authenticator codes confidential. You are responsible for activity under your account until you notify us of compromise.
• Do not share access with unauthorised persons. Notify support promptly if you suspect unauthorised use.
• Use the Platform only for lawful purposes and in line with the Acceptable Use Policy.
• Cooperate with reasonable verification, dispute, and anti-fraud requests.

Article 12 — Suspension, restriction, and closure

The Company may suspend, restrict, or close an account — in whole or in part — for risk, abuse, chargebacks, sanctions exposure, inaccurate data, suspected fraud, legal requirements, or material breach of these Terms or the Acceptable Use Policy. We may also report suspicious activity to competent authorities where required.

Article 13 — SMS verification

By submitting your mobile number and requesting a verification code, you consent to transactional SMS from eteWallet / the Company for OTPs and security authentication. Consent is not a condition of purchase. Reply STOP to cancel, HELP for help, or email support@etewallet.com. SMS opt-in data is not sold for third-party marketing.

Article 14 — Liability and availability

The Platform is provided on an “as available” basis. To the fullest extent permitted by law, the Company is not liable for indirect, incidental, or consequential losses arising from use of the Platform, provider outages, destination-wallet or bank delays, FX differences, or events outside our reasonable control. Nothing limits liability that cannot be limited under applicable law.

Article 15 — Amendments

We may update these Terms as the product or law changes. The “Last updated” date will change when we publish a material revision. Continued use after publication constitutes acceptance of the updated Terms, except where mandatory law requires a different process.

Article 16 — Governing law

These Terms are governed by the laws of England and Wales. Disputes are subject to the courts of England and Wales, subject to any mandatory consumer protections that apply to you.

Article 17 — Contact

support@etewallet.com · info@etewallet.com · dev@etewallet.com

ETEWALLET LTD, Company No. 17456319, 167-169 Great Portland Street, 5th Floor, London, England, W1W 5PF