- Central Bank: The Central Bank of Jordan.
- AFS: Alami Financial Services.
- Website: The official website of Alami Financial Services.
- Services: Mobile payment and electronic money transfer services.
- Client: An individual who will use the services and agrees to these terms and conditions for the purpose of utilizing mobile payment and electronic transfer services, assuming full responsibility for any misuse of these services.
1. The delivery of the remittance value to any of its beneficiaries releases the company from any liability related to this remittance.
2. The cash remittance is considered settled if the client does not follow up within three (3) months from the date of the remittance; the bank remittance is considered settled if the client does not follow up within six (6) months from the date of the remittance.
3. If payment is requested in a currency other than the national currency of the recipient country, Alami Financial Services or any of its agents or correspondents shall not be held liable if the laws and regulations of the recipient country prohibit payment in a currency other than its national currency.
4. The client acknowledges that the purpose of this remittance is legitimate, and in case of any violation of applicable laws or regulations, the client releases Alami Financial Services from any liability and assumes full responsibility for such violation, undertaking irrevocably to compensate Alami Financial Services for any losses, damages, or penalties that may arise from such violation or misuse.
5. This transfer is subject to the laws regulating financial transfers in the country/mediators/recipient countries, and it may be prohibited or frozen in case of suspicion. The sender or recipient is fully responsible for providing necessary evidence and clarifications to prove the legitimacy of the funds involved in the transfer and must follow up with the relevant authorities to complete the transfer or refund in certain cases. Alami Financial Services will not bear any responsibility in this regard and is released from any liability that may arise from the non-payment, confiscation, or seizure of the remittance by the competent authorities for any reason.
6. The sender or recipient of the remittance at Alami Financial Services confirms and agrees to provide valid identification and/or any additional documents related to the remittance to comply with the legal requirements concerning transactions in the Hashemite Kingdom of Jordan/mediating countries/the recipient country.
7. Alami Financial Services reserves the right to freeze/cancel/not execute any remittance if it relates to individuals or entities or countries with whom dealings are prohibited or are mentioned in the sanctions lists issued by the relevant authorities.
8. Alami Financial Services and/or its branches – agents – correspondents are liable for any delays caused by errors or oversights during transmission or technical faults on the part of the company, which will be corrected by the company as soon as possible.
9. Alami Financial Services and/or its branches – agents – correspondents are not liable for any delays caused by incomplete or incorrect information provided by the client, and our responsibility is limited to correcting the information as soon as possible upon notification, with the client bearing all fees and expenses resulting from the amendment.
10. There may be instances where the remittance is halted by correspondent banks/agents due to the need for additional information or other documents. In this case, the client is responsible for providing such additional information and documents, and Alami Financial Services or its correspondents or agents shall not be liable for any delays, losses, halts, or seizures resulting from any orders issued by relevant governmental regulatory authorities.
11. Alami Financial Services is exempt from any liability in case the bank/correspondent requests any additional documents, and the client must provide them in a timely manner.
12. Alami Financial Services will cancel any issued remittance lacking the necessary supporting documents requested by the correspondent or company within seven days, excluding public holidays, from the date of execution and will notify the client for the refund of the remittance value.
13. In the event of the remittance being returned or canceled for any reason, the remittance value will be refunded after confirmations from the transferring bank or the responsible entity, and the transferred amount will be returned to the client along with the commission unless there is a change in the global currency rate, in which case the remittance will be refunded at the new purchase rate based on the rate received from the responsible entity.
14. Alami Financial Services and/or all its correspondents and/or agents and/or employees are exempt from any liability or damages that may result from the refusal of the beneficiary's bank to pay the value of the remittance or any part thereof for legal reasons.
15. Alami Financial Services has the absolute discretion to engage the services of intermediary banks/financial institutions in any country of its choice to execute the transfer. The correspondent/agent fees may apply in certain countries and will be deducted at the time of payment.
16. Alami Financial Services is not responsible for any delays beyond its control, including but not limited to system outages, local and international holidays, natural disasters (such as earthquakes, floods, and volcanoes), wars, strikes, and any other matters beyond our control.
17. For any complaints, you can contact Alami Financial Services at +962 6 5504545. If you are not satisfied, you may contact the Consumer Protection Department at the Central Bank of Jordan at +962 6 4630301.
18. All clients have the right to submit complaints through the company's website, by phone, via the company’s social media platforms, in person, or through customer complaint boxes. Complaints will be addressed within 10 business days from the date of receipt.
19. The client has the right to resort to the judiciary if they are not satisfied with the response provided by the company regarding any submitted complaint.
20. The client assumes full responsibility in the event of fraud and/or executing an incorrect transfer, and Alami Financial Services’ role is limited to assisting the client and communicating with the agents to attempt to recover these funds without binding Alami Financial Services to do so.
21. The client bears legal responsibility in the event of entering any incorrect information during the registration and/or transfer process through Alami Financial Services’ electronic application.
22. I acknowledge that the reason for registering in Alami Financial Services’ electronic application is to send and/or receive financial remittances.
23. Warning against fraud concerning money transfers:
- If you are transferring money.
- To a government agency, tax authority, or the police?
- To someone you do not know, or a loved one met online?
- To a friend or relative in need of help?
- For the purpose of claiming an inheritance, prize, or refund of an overpayment?
- For the purpose of obtaining a "guaranteed" credit card, loan, or job offer?
- For the purpose of "securing" a rental apartment or purchasing a car, puppy, or anything else?