1. Introduction:

These Terms and Conditions of Use ("the Terms") apply to the klip and Emirates Digital Wallet websites at www.klip.ae and www.edw.ae and to all their visitors and users.
These websites are the property of Emirates Digital Wallet LLC ("EDW").
Using and/or accessing the websites will be deemed as an absolute acceptance of the Terms. EDW, which owns, manages and operates klip, reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms, at any time without any acceptance of liability whatsoever.

2. General terms and conditions

These websites and their content may not be used for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes the rights of EDW or others.

The information found on these websites may be used only for personal, non-commercial informational purposes. It should not be copied or posted on any networked computer or broadcast in any media. It cannot be modified in any way for any purpose, and no representations or warranties relating to such information may be made.

3. Governing law

All content of the websites is governed and construed by the laws of the United Arab Emirates and/or the laws of the Emirate of Abu Dhabi. Any dispute arising out of the use and/or visit of the websites or in connection with them will be resolved under the exclusive jurisdiction of the Abu Dhabi courts.

4. Intellectual property

All content, including but not limited to trademarks and logos, and arrangement of such content, contained on the websites is owned by EDW and protected by copyright, patent and trademark laws in addition to intellectual property rights.

No part of the websites nor their content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including "mirroring") to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without EDW's express prior written consent.

5. Privacy and personal data protection policy:

Privacy policy and personal data protection relating to Emirates Digital Wallet and klip comply with the laws of the United Arab Emirates in addition to the guidelines, rules and regulations of the UAE Central Bank.

6. Disclaimer:

EDW is a limited liability company which was set up by 16 UAE national banks and is in compliance with the rules and regulations of the UAE Central Bank.

EDW shall not be held liable for any loss or damages arising out of the use of and/or visit to the EDW and klip websites.