MyCash Service Terms & Conditions

These terms and conditions (the “Terms”) apply to you and govern your use of the MyCash Service (the “Service”). You should read these Terms carefully before using the MyCash Service.  “We” or “us” means the Digicel entity applicable in each country as specified in Table 1 below.  References to “we”, “our” and “us” in these Terms also include our subsidiaries and affiliates (“Affiliates”) from time to time.  “You” or “Customer” means the registered MyCash customer or other person using the MyCash Service (and “your” shall have the same meaning).  By using the Service, whether occasionally, frequently or permanently, or by otherwise indicating your consent, you agree to be legally bound by these Terms. If you do not agree to or accept any of these Terms, or if you are under the age of eighteen (18), you should stop using the Service immediately.  You may not transfer or assign any obligations or responsibilities arising from these Terms to third parties in any way and may not make any third party a partner to responsibilities written in these Terms and, therefore, in related legal provisions due to any reason.

IT IS AGREED:

1. Interpretation

In these Terms, unless the context otherwise requires, the following words and expressions shall have the following meanings:

1.      “Add Money” means adding funds to Your MyCash and may be referred to as “load”;

2.      “Authorized MyCash Agent” means a person or business that is contracted to facilitate transactions for MyCash Customers;

3.      “Bank” means a licensed Financial Institution that is authorized to send and receive funds for Digicel MyCash customer wallets;

4.      “Bill Payments” means a service that allows users to pay utility, telecom, or other service provider bills directly from their MyCash wallet;

5.      “Cash-in/Cash-out” means the process of depositing money to (cash-in) or withdrawing money from (cash-out) a MyCash wallet through authorized agents or channels;

6.      “Country” means the Country in which you are citizen and registered to use the services;

7.      “Digicel Pacific Transfer” means sending and receiving money between MyCash Users between Digicel Pacific markets i.e. Fiji, Samoa, Tonga, and Vanuatu;

8.      “E-commerce Payments” means payments made through MyCash for goods and services purchased online via partnered merchants;

9.      “Fee” means an amount of money that You must pay or will be charged to You for the use of the MyCash Service;

10.   “Identification Document(s)” means the document(s) required to complete registration as per Table 1;

11.   “International Remittances” means funds received from overseas into a MyCash wallet through authorized remittance partners;

12.   “Know Your Customer” (KYC) has the meaning given in Anti-Money Laundering (AML) regulations and Digicel Financial Services policies and procedures. It means all elements of identification, verification and consumer due diligence standards set by the government and relevant regulatory authorities in the Country as communicated to Us by the Issuer in relation to Your use of the MyCash Service and approved by Digicel Financial Services’ policies and procedures;

13.   “Media Outlets” means publications or broadcast programs that provide news and feature stories to the public through various distribution channels, including newspapers, magazines, radio, television, and the internet;

14.   “Mini Wallet Holders” means users of MyCash with limited wallet functionality and lower transaction limits, typically registered with required KYC requirements;

15.   “Mobile Phone Number” means Your Digicel mobile number connected to Your MyCash Account;

16.   “Mobile Top-ups” means the purchase of mobile credit or data bundles using funds from the MyCash wallet for yourself or others;

17.   “MyCash Service” or “Service” means all hardware, software, components and other proprietary systems that comprise and enable the services offered by Us, which include Our safe, simple and accessible payment and money transfer services;

18.   “MyCash Charges and Fees” means all charges and fees outlines in the MyCash Charges and Fees Table as amended from time to time and posted in MyCash Agent locations and the MyCash website or app;

19.   “Person to Person” means the transfer of funds from one individual user of MyCash mobile wallet to another individual user MyCash mobile wallet within the same jurisdiction;

20.   “PIN” means a 4-digit number that You will be using to access Your MyCash Account, use the MyCash Service and authorize transactions;

21.   “QR Payments” means transactions made by scanning a merchant's QR code using the MyCash mobile app to authorize payment;

22.   “Registration” means the process that You must follow and complete to register MyCash Account and access the MyCash Service. Details required to complete the registration include full names (first and last name, date of birth, occupation, citizenship, and valid home address as outlined in Table 1);

23.   “Transaction Limits” means the maximum amount that You can hold in Your MyCash or transfer to another MyCash Customer, which is set in consultation with respective Regulators;

24.   “Transaction” means the movement of money into and out of Your MyCash Account and includes Adding, Transfer and Withdrawal of funds;

25.   “Transaction Requirements” means information which may be requested to complete a MyCash transaction, which includes the source of funds, purpose of the transaction, and relation to the other party.

2. Use of MyCash Service

You agree to use the MyCash Services solely for Your personal purpose only and in accordance with these Terms and Conditions. You agree not to, and You will not permit others to license, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise commercially exploit MyCash or make it available to any third party. We reserve the right to modify, suspend or discontinue, temporarily or permanently, the MyCash Service or any service to which it connects, with or without notice and without liability to You. 

3. Your MyCash Account

To use the MyCash Service, you must have an active Digicel SIM registered under your name. Download the Digicel MyCash App from the Google Play Store on your Android smartphone, or from the App Store on Your iOS device. Register for Your MyCash Account by entering Your mobile phone number and following the steps on the screen. You will receive a welcome text and temporary personal identification number (PIN) so that you may log in and use the MyCash Service.  Based on your Country, there may be further “Know Your Customer” or agreement sign-off requirements before You are able to use the MyCash Service and You may be able to link Your local bank account to your MyCash Account.  If You are a Digicel customer and You do not have a smartphone, or if our application is not supported on Your smartphone, or if our application is not supported on Your smartphone, You may register and use the MyCash Service by dialing *888# and following the steps. If you are a former Digicel Mobile Money user, Your MyCash Account is created automatically, and You may log in with Your registered number and PIN.

You shall ensure that the details provided by You upon registration and at any time thereafter during your continued use of the MyCash Service, is correct and complete.

Kindly inform us immediately of any changes to the information that you have provided when registering by updating Your details on Your MyCash Account. You may also update Your details or change Your PIN by calling us at 123. We are committed to ensuring that Your privacy is protected.  Please refer to our Privacy Policy which explains how We treat and use Your information.

4. MyCash Services: that you can access using MyCash platform.

a)      Receive Money

b)      Send Money

c)      Deposit Money using any authorized MyCash Agent or any Digicel outlets

d)      Pay goods and services i.e. shopping, fuel, movies and many more.

e)      Pay Bills

f)       Making saving

g)      Withdraw Money: You can withdraw money by visiting an authorized MyCash Agent. You may be required to provide Your Identification Document for the Transaction. There us fees applicable for withdrawing money. Refer table Please note that You will not be able to withdraw money from any MyCash Agent outside of your Country.

Locate MyCash Authorized Agents: You may use Our GPS locator to find an authorized MyCash Agent nearest to You

You will receive notification via SMS of any MyCash transaction you conduct or when you receive funds. All transfers are subject to Transaction Limits and Transaction Requirements. 

5. Two-Tier Wallet Structure

Digicel in the Pacific Markets has a Two-Tier MyCash Wallet structure in some country’s as per Table 2 that provides enhanced access to financial services.

1. Tier 1 - MyCash Mini Wallet

6. MyCash Charges and Fees

MyCash shall charge You a Transaction fee for all chargeable Transactions outlined in MyCash Charges and Fees, which fees are subject to change at our discretion. The current MyCash Charges and Fees may be found at https://mycash.com.fj/fees. You understand that all Transactions subjected to MyCash Charges and Fees will only be successful if the amount in Your MyCash Account is sufficient to cover the Transaction cost and relevant Fees. MyCash may have promotions and special events from time to time which may allow certain features of the MyCash Service to be offered for free or at a discounted rate for a specific period of time.

7. Unauthorized Use/Access to Your MyCash Account

8. Irrevocability of Transaction

All Transactions once completed are final, irreversible and irrevocable. You should therefore ensure that details of Your intended Transactions are correct prior to completion.

9. Suspension and Termination

We reserve the right to, without any notice to You, suspend or terminate Your use of the MyCash Services and Your MyCash Account if You are in violation of any of our Terms. Upon termination of Your MyCash Account, you are required to visit an Authorized MyCash Agent to withdraw any funds that may be in Your MyCash Account. 

10. Confidentiality and Data Use

The MyCash Service and Your MyCash Account are reliant on network connectivity and other factors outside of Our control including but not limited to emergency maintenance, network availability and Your internet service provider. You are solely responsible for all associated fees and costs incurred by You for connectivity and data usage in relation to Your use of the MyCash Service.  The Service may be affected by periodic maintenance, repair or testing. While We shall make every effort that all Transactions are processed in a secure and timely manner, We make no such warranties or representations and will not be liable in the event that You do not receive continuous, secure or uninterrupted MyCash Services. We will not be liable for any claim unless such claim is caused by willful default attributable to Us and in such event, Our liability to You shall be limited to the Transaction amount and applicable Fees. We expressly disclaim all liability for any loss or damage including without limitation direct, indirect, consequently incidental, special, punitive or any other damages resulting from or caused by (i) Incorrect information submitted by You to Us at any time including during the registration process; (ii) Transactions conducted from Your MyCash Account before any report of unauthorized use as required in clause 6 above; (iii) Transactions made to unintended recipient or payments made to incorrect parties (iv) Transactions relating to incorrect amounts; (v) Acts beyond human control in accordance with clause 11 below (vi) Acts of government, regulatory authorities and other third parties. 

You agree to indemnify Us and keep Us indemnified against all loss, damages and liability that We may suffer (including claims from third parties) resulting from any of Your acts and omissions including Your breach of these Terms.

11. Indemnity and Limitation of Liability

12. Force Majeure

13. General

14. DIGICEL ENTITY APPLICABLE IN EACH COUNTRY

15. With Full Wallet (Tier 2) MyCash Limits and Requirement

16. Table 2: Digicel Samoa and Tonga with Mini Wallet (Tier 1) MyCash Limits and Requirements

17. Table 3: Digicel Pacific Entities with Pacific Transfers MyCash Limits

Note: In Fiji’s case it’s Up to $2,000 per applicant per beneficiary per annum