Please read these terms and conditions carefully.

These terms and conditions are legally binding, so please read them through carefully before you accept and agree to the same. This agreement becomes effective between the Customer and FINJA (PVT.) LTD (“the EMI”), and its successors and permitted assigns, at the time of registration of the FINJA EMI Wallet account.
EMI wallet account is a digital wallet account that enables you to access your funds and make payments through the mobile wallet via smartphone-based app.
These terms and conditions and any amendments thereto notified in the manner specified herein (the " Terms and Conditions") set out the rights and obligations of the customer, and FINJA, in connection with your use of the EMI wallet account service, and utilization of all the EMI services through the channels permitted under the EMI Regulations (including but not limited to the FINJA assigned Agents throughout the country, any mobile, internet, phone banking and IVR (the “Channels”) as may be provided by the FINJA, from time to time (the “Services”).

Terms and conditions governing the use of EMI Wallet
Service by FINJA (PVT.) Limited

1. EMI Wallet account may be opened by the Customer through application orby FINJA designated Agent(s) in the prescribed digital form on agent’s app with biometric Verisys, or regular Verisys by the FINJA. The FINJA shall be entitled at its sole discretion to accept or reject such applications that do not fulfill the requirements of the Finja’s policy.
2. Any person opening or operating anEMI Mobile Wallet is deemed to have read, understood and accepted these Terms & Conditions.
3. For the purpose of availing the services, the customer is required to be a mobile user of a Mobile Network Operator (MNO) in Pakistan.
4. The Customer acknowledges and agrees that only one EMI Wallet account will be opened per CNIC and given mobile number, and the EMI Wallet account limits shall be applicable as per EMI rules and regulations. Please call at Call Center for further details.
5. Each EMI Wallet account shall possess a distinctive number which will be the same as the mobile number provided by the customer for the use of EMI Wallet account Services, and which shall be quoted in all correspondence with the FINJA relating to the EMI Wallet account and for the purposes of availing the Services.
6. The FINJA shall make endeavors to preserve the secrecy of the EMI Wallet account of the Customer. Nevertheless, the FINJA may disclose the information if such is required by any investigating agency or any Government agency in accordance with law.

Customer’s Responsibilities and Representations

7. The customer irrevocably and unconditionally undertakes to ensure the following:‐

1. It is recommended that the SIM of the mobile number provided by the Customer for use of EMI Wallet account Services, is registered in the name of the Customer.
2. The PIN, security codes and personal information are kept confidential.
3. To not let any unauthorized person have access to the mobile phone, the PIN, personal information and security codes.
4. To not leave his/her mobile phone unattended. Someone having access to the customer’s personal information, security codes and/or PIN, may use it wrongfully.
5. To not in any circumstances store the PIN or security codes on his/her mobile phone.
6. To regularly change his/her PIN and security codes and avoid using easy‐to‐guess passwords and easily available personal information like birthdays, nicknames, mother’s maiden name or consecutive numbers.
7. To ensure that the mobile or other electronic device being used to access the EMI Wallet account does not contain any spyware, worms, key logger, Trojans etc. that could result in a security breach of the customer’s personal information or security codes.
8. To not under any circumstances give PIN and security codes in response to a voice call on their mobile phone that claims to be from the Bank.
9. To not under any circumstances enter his/her PIN, security codes or personal information on any website, link received in an SMS or email, or on any other medium which asks for his/her personal credentials until or unless a request is initiated by the customer himself.
10. The customer indemnifies FINJA from any loss or damage accrued due to any breach of terms and Conditions, negligence or inaction by the customer, or due to any network disruption occurring at the cellular service provider end.
11. FINJA will have the right to block amount or suspend the account prior to the investigation in case of any fraudulent activity/deposit/transfer intimation is received from any financial institution/investigating agency or any Government agency in accordance with law.
12. The customer shall at all times be liable to pay to FINJA for any amount transferred to his/her EMI wallet account in excess of his/her rightful ownership be it due to system error or due to technical glitch and FINJA will also have the right to mark debit/recover the involved amount from the account of customer.
13. The customer shall be solely responsible for any illegal funds transfer and money laundering activity carried out through his/her account.
14. The FINJA will have the right to suspend the account in case if any suspicious, unusual transaction is observed in account during transaction monitoring and the FINJA will have the right to ask/investigate the transaction detail from the customer.
15. The FINJA shall not be held responsible for any service issue(s) faced by the account holder due to mobile network portability (MNP).
16. FINJA app, if, is re-installed on the same Mobile device, or on a new mobile device, the E-Wallet account will have to go through an activation process.

Terms and conditions governing the use of EMI Merchant Wallet
Service by FINJA (PVT.) Limited

These terms and conditions are legally binding, so please read them through carefully before you accept and agree to the same. This agreement becomes effective between the Customer and FINJA (PVT.) LTD (“the EMI”), and its successors and permitted assigns, at the time of registration of the FINJA EMI Merchant Wallet account.

EMI Merchant wallet account is a digital wallet account that enables you to receive payments against good & services as well as to access your funds and make payments through the mobile wallet via smartphone based app.

These terms and conditions and any amendments thereto notified in the manner specified herein (the "Terms and Conditions") set out the rights and obligations of the customer, and FINJA, in connection with your use of the EMI wallet account service.

Opening of the “EMI Merchant Mobile Wallet” (Account Opening)

1. EMI Merchant Wallet account may be opened by the Customer through application or by FINJA designated Agent(s) in the prescribed digital form on agent’s app with biometric Verisys, or regular Verisys by the FINJA. The FINJA shall be entitled at its sole discretion to accept or reject such applications that do not fulfill the requirements of the Finja’s policy.
2. Any person opening or operating an EMI Merchant Mobile Wallet is deemed to have read, understood and accepted these Terms & Conditions.
3. For the purpose of availing the services, the customer is required to be a mobile user of a Mobile Network Operator (MNO) in Pakistan.
4. The Customer acknowledges and agrees that only one EMI Merchant Wallet account will be opened per CNIC and given mobile number, and the EMI Merchant Wallet account limits shall be applicable as per EMI Merchant rules and regulations.
5. Each EMI Merchant Wallet account shall possess a distinctive number which will be the same as the mobile number provided by the customer for the use of EMI Merchant Wallet Account Services, and which shall be quoted in all correspondence with the FINJA relating to the EMI Merchant Wallet account and for the purposes of availing the Services.
6. The FINJA shall make endeavors to preserve the secrecy of the EMI Merchant Wallet account of the Customer. Nevertheless, the FINJA may disclose the information if such is required by any investigating agency or any Government agency in accordance with law.
7. Merchant Account will only be used for digital collection of payments against the provision of legitimate goods and services.

Customer’s Responsibilities and Representations

7. The customer irrevocably and unconditionally undertakes to ensure the following:

1. The SIM of the mobile number provided by the Customer for use of EMI Merchant Wallet Account Services, shall be registered in the name of the Customer
2. The PIN, security codes and personal information are kept confidential
3. To not let any unauthorized person have access to the mobile phone, the PIN, personal information and security codes.
4. To not leave his/her mobile phone unattended. Someone having access to the customer’s personal information, security codes and/or PIN, may use it wrongfully.
5. To not in any circumstances store the PIN or security codes on his or her mobile phone.
6. To regularly change his or her PIN and security codes and avoid using easy‐to‐guess passwords and easily available personal information like birthdays, nicknames, mother’s maiden name or consecutive numbers.
7. The customer declares that he is the only/individual owner of the business.
8. To ensure that the mobile or other electronic device being used to access the EMI Merchant Wallet account does not contain any spyware, worms, key logger, Trojans etc. that could result in a security breach of the customer’s personal information or security codes.
9. To not to under any circumstances give PIN and security codes in response to a voice call on their mobile phone that claims to be from the Bank.
10. To not under any circumstances enter his or her PIN, security codes or personal information on any website, link received in an SMS or email, or on any other medium which asks for his or her personal credentials until or unless a request is initiated by the customer himself.
11. The customer indemnifies FINJA from any loss or damage accrued due to any breach of terms and Conditions, negligence or inaction by the customer, or due to any network disruption occurring at the cellular service provider end.
12. FINJA will have the right to block amount or suspend the account prior to the investigation in case of any fraudulent activity/deposit/transfer intimation is received from any financial institution / investigating agency or any Government agency in accordance with law.
13. The customer shall at all times be liable to pay to FINJA for any amount transferred to his EMI Merchant wallet account in excess of his rightful ownership be it due to system error or due to technical glitch and FINJA will also have the right to mark debit/recover the involved amount from the account of customer.
14. The customer shall be solely responsible for any illegal funds transfer and money laundering activity carried out through his/her account.
15. The FINJA will have the right to suspend the account in case if any suspicious, unusual transaction is observed in account during transaction monitoring and the FINJA will have the right to ask/investigate the transaction detail from the customer.
16. The FINJA shall not be held responsible for any service issue(s) faced by the account holder due to mobile network portability (MNP).