Digitt Plus

DIGITT+ DEBIT CARD TERMS & CONDITIONS

TERMS & CONDITIONS

THESE ARE THE TERMS AND CONDITIONS FOR DIGITT+ DEBIT CARDS. (the “Terms & Conditions”). BY USING THE DIGITT+ DEBIT CARD(“The Card”), THE CUSTOMER (“You”) AGREE TO BE LEGALLY BOUND BY THESE TERMS & CONDITIONS.

FOR THE CUSTOMER
1. THE CARD

a. Debit Card Services are provided by Digitt Plus (“DIGITT+”):

i. POS transactions
ii. Cash Withdrawal via ATMs

iii. Ecommerce Transactions

b. You can use the DIGITT+ App (“App”) to access the funds available in your DIGITT+ Wallet (“Wallet”)
c. The Debit Card is dispatched to your mailing address through the app the card issuance request has been made

d. Limits:
(a) Monthly transaction limit (Individual Account): up to 50k for non-Biometrically verified and up to 400k for Biometrically verified.
(b) The daily cash withdrawal Limit is PKR 10K for non-biometric and PKR 50K for biometric verified users.

(c) The daily POS transaction limit is PKR 50K for non-biometric and PKR 100K for biometric verified users.
(d) The limits are subject to be change as per SBP circulars, regulations, and notifications issued by the State Bank of Pakistan from time to time.

2. DISPUTED TRANSACTIONS/ STOLEN CARDS

2.1 In Case your Card is lost or stolen or the Card has been used without your permission or your registered phone is lost or stolen You agree to:

a) Freeze Card immediately by Calling on Help Line No. 042-111-344-488 or through DIGITT+ App

2.2 For dispute/error resolution including but not limited to Electronic Fund Transfer (EFT), the Cardholder shall immediately contact the Call Centre of
DIGITT+ and provide necessary information/detail as may be required by DIGITT+. In case the Cardholder fails to provide the requisite information/detail or
causes a delay in submission thereof, DIGITT+ shall not be liable for any loss or damage caused to the Cardholder

2.3 Disputed transactions, and stolen cards if not declared within (7) days, DIGITT+ would not be responsible in that Case.

3. ELIGIBILITY CRITERIA

3.1 DIGITT+ reserves the right to amend, add or modify the eligibility criteria as they deem fit.

3.2 For availing of debit card facilities all you need is a registered and activated account.

4. YOUR RIGHTS

4.1 DIGITT+ will send transaction alerts in real-time for all your transactions via SMS and push notifications and will be visible on the App in statements and recent transactions.

4.2 Change
a) You will be informed of any change DIGITT+ makes via SMS, in-app notifications, and email.
b) DIGITT+ reserves the right to unilaterally add, modify, revise, vary, amend, delete, withdraw or supplement, in whole or in part, any of the provisions outlined
in these Terms and Conditions including, without limitation, the terms of payment, percentage rates, charges, and fees.
c) Continued use of the Card will be considered acceptance of the change by You.

5. YOUR RESPONSIBILITIES

All information and undertakings furnished by You are correct and up to date.

5.1 It will be your sole responsibility to safeguard your card number, expiry date, and PIN. You abide to not under any circumstances:

a) sharing any personal information to any third party, in response to a call that claims to be from DIGITT+
b) Entering the PIN code on any website, link received in an SMS or email, or on any other medium which asks for any personal credentials.

5.2 Any disclosure by You will be at your own risk.

5.3 While using the ATM You will be responsible for making sure it is safe to enter your PIN and check the ATM Machine properly to ensure there is no hidden cameras or skimming device on the ATM Machine.

5.4 On the slightest suspicion or knowledge that your PIN or other details or any part of them, or any personal information referred to herein are known to someone else, you will immediately change the PIN from App or as applicable by notifying DIGITT+ on Call Center No. 042-111-344-488.

5.5 It is Your responsibility to communicate through via call any change in your address to DIGITT+. No responsibility shall be accepted by DIGITT+ for the delay, or non-delivery of communications sent by DIGITT+ to the customer at the address provided by the customer.

5.6 You must be the beneficial owner or trustee of the money you are intending to transfer or in connection with your transaction through the App. We may request documentary evidence to show ownership of the funds. You may not enter into transactions on behalf of third parties through App.

RELEVANT TO DIGITT+
6. CHARGE

6.1 DIGITT+ will NOT apply any hidden charges, all charges will be communicated to You.

6.2 Schedule of charges (SOC) applicable are notified through SMS, website, or in-app notifications from time to time.

6.3 All Charges mentioned are subject to change, any such change will be promptly communicated to you via SMS and in-app notification.

6.4 You will have to acknowledge that you agree to pay the Charges, fees, Duties, and other expenses (Collectively the Charges) as applicable according to
the SOCs for the issuance and usage of the Debit Card

7. DISCLOSURES

You hereby authorize DIGITT+ to disclose information relating to your wallet account, Card, your particulars, and financial affairs to any Merchant, bank,
financial institution, related or affiliated concerns, or any authority as we may (in DIGITT+’s sole discretion) deem appropriate and/or if instructed by
government agencies/departments, regulatory body and court orders under the law. Additionally, you consent to DIGITT+ disclosing information regarding
your wallet account to any other associated company of DIGITT+ for such purpose or purposes as we in our sole discretion may require. You consent to and
authorize DIGITT+ to obtain credit reports about your business or financial affairs from NADRA, eCIB, SBP, Federal Board of Revenue (FBR), or any other
organization

8. DISCLAIMERS AND INDEMNITIES

8.1 DIGITT+ is not liable if, a merchant refuses your Card and/or does not complete your transaction due to any technical & personal reasons on the Merchant side.

8.2 DIGITT+ shall use all reasonable efforts to inform you, through the App, registered mobile number, or another mode of communication of any planned downtime or emergency maintenance before 3 days; however, we shall not be liable in the event of any unplanned or emergency outages.

8.3 DIGITT+ shall not be responsible for any loss caused by a failure in ATM, point of sale, or other Transaction(s) due to any reason whatsoever including but not limited to card capturing and/or blockage of the Card due to successive wrong entry of PIN Code, etc.

8.4 DIGITT+ shall not be responsible or liable in any way for the quality, quantity, or acceptability of any goods or services purchased using the Card or for any additional amounts charged by a Merchant or beneficiary of a transaction. We shall not be liable or responsible for any dispute(s) between You, any Merchant, and/or beneficiary of a transaction.

8.5 You hereby agree to indemnify and hold DIGITT+ and our affiliates, Partner, officers, employees, successors, assigns, attorneys, and agents (each an “Indemnified Party”) harmless from all losses, costs, claims, demands, expenses, damages, penalties, and attorney fees suffered or incurred by any Indemnified Party as a result of your violation of these Terms & Conditions and/or misrepresentations, fraud, willful misconduct, actions, omissions or negligence by you.

8.6 Use of your Card is entirely at your own risk. To the maximum extent permitted under applicable law, DIGITT+ disclaims all warranties (express or implied). DIGITT+ shall not be liable for any error if any error results, whether directly or indirectly, from DIGITT+’s reliance on the information (or modifications to information) provided by You, Merchant, or anyone that we reasonably believe to be a beneficiary or recipient of a transaction (each such error, a “Resulting Error”).

8.7 DIGITT+ shall not be liable or responsible for any transaction, Wallet account, or Card related issue(s) faced by you due to mobile network portability (the retention of a mobile number when changing from one mobile network operator to another).

8.8 DIGITT+ shall not be responsible or liable for

 

(i) Resulting Errors or any consequences or claims directly or indirectly arising from Resulting Errors;

(ii) Any consequences or claims directly or indirectly resulting from your delay or failure in providing us with information necessary for the provision of the services through the Wallet Account;

(iii) Your violation of any applicable laws of the FBR, SBP, National Accountability Bureau, tax authorities or any other government organization;

(iv) Unauthorized third-party actions undertaken by you and any transaction(s), consequence(s) or claim(s) arising therefrom;

(v) our negligence;

(vi) Any claim(s) or portion(s) of any claims that could have reasonably been avoided or mitigated by your reasonable efforts; and

(vii) Your failure to properly follow our instructions concerning your Card

8.9 DIGITT+ shall not be responsible if the debit card will be used in any illegal activity.

9. NOTICES

9.1 All Cards, PINs, notices, Statements of Account, demands, or any other communications under these Terms and Conditions (herein DIGITT+ collectively called “Communications”) may be communicated through the App.

9.2 DIGITT+ shall be entitled at its absolute discretion to rely and act on any, requests or instructions which are or purported to be from You or given on your behalf (whether or not they are genuine or given with your consent or authority).

10. TERMINATION

10.1 In case of a breach of these Terms and Conditions by You, DIGITT+ shall have the right to block and/or cancel (terminate) the Card.

10.2 DIGITT+ shall be entitled, with a seven (7) days prior notice, to demand the return of the Card in case of, including but not limited to:
a) Breach or violation of any of the Terms & Conditions;
b) Abuse of the Card;
c) Any other reasons which in DIGITT+’s absolute judgment would necessitate the return of the Card; and/or
d) In case of any change in local/international laws or any change in DIGITT+ or State Bank’s policy that warrants demand the return of the Card from You.

11. MISCELLANEOUS

11.1 All cards remain the property of DIGITT+.

11.2 You hereby waive all your rights to challenge a digitally generated record or certification from our transaction log, records, or system with DIGITT+.

11.3 DIGITT+ reserves the right to freeze/block your Card and/or suspend your wallet account or any services due to any suspicion, unusual activity, or if required by the Government. In such an event, DIGITT+ has the right to require any information and documents from You and shall be permitted to investigate any Transaction details.

11.4 DIGITT+ shall not be liable to You under these Terms and Conditions, for failure to perform any of the obligations therewith, or for any loss or damage which may be suffered by You due to any cause beyond the reasonable control of either Party that disrupts the functionality of your Card or wallet account services (the “Force Majeure Event”).

11.5 These Terms and Conditions are governed by and shall be construed by the laws of the Islamic Republic of Pakistan, and You hereby submit to the jurisdiction of the Courts of Lahore about all matters.

DIGITT+ reserves the right to change any of these Terms and Conditions including, without limitation the terms of payment, percentage rates, and charges, and shall accordingly notify You. Such change shall be effective from any date specified by DIGITT+

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About the Job

Your goal is to make us commercially sustainable and more valuable, by identifying and guiding the business toward opportunities, driving the organization to make the best possible decisions, and enabling effective implementation and operations, with proactive and trusted risk management.

As a Channel Sales Manager, you will work on impactful projects ranging from developing critical data pipelines that help run the business, building tools to analyse the content partnerships, and creating ecosystems that guide business leadership on optimizing the effectiveness and efficiency of our partner-facing business teams.

You will be responsible for understanding our business data and helping business leaders make sense of business operations through timely, accurate, and robust business intelligence. You will use Business Intelligence tools to make useful datasets, establish best practices for datasets and reporting, and develop expertise in various data domains.

Responsibilities

  • Identify, recruit and on-board new channel partners within assigned territory.
  • Manage sales activities to generate revenue.
  • Coordinate with partners to create and execute business plans to meet sales goals.
  • Analyse market trends and accordingly develop sales plans to increase brand awareness.
  • Evaluate partner sales performance and recommend improvements.
  • Address partner related issues, sales conflicts, and pricing issues in a timely manner.
  • Manage sales pipeline, forecast monthly sales, and identify new business opportunities.
  • Stay current with latest developments in marketplace and competitor activities.
  • Communicate up-to-date information about new products and enhancements to partners.
  • Develop process improvements to optimize partner management activities.
  • Assist in partner marketing activities such as tradeshows, campaigns, and other promotional activities.
  • Lead development and deployment of centralized reports, dashboards, models, and tools to analyse, report, and present partnerships and operations-related data that is associated with Channel Planning and wider Business goals.
  • Use effective data visualization and analytical skills to simplify complex business flows and enable faster decision-making and execution.

Channel Sales Manager

About the Job

Your goal is to make us commercially sustainable and more valuable, by identifying and guiding the business toward opportunities, driving the organization to make the best possible decisions, and enabling effective implementation and operations, with proactive and trusted risk management.

As a Channel Sales Manager, you will work on impactful projects ranging from developing critical data pipelines that help run the business, building tools to analyse the content partnerships, and creating ecosystems that guide business leadership on optimizing the effectiveness and efficiency of our partner-facing business teams.

You will be responsible for understanding our business data and helping business leaders make sense of business operations through timely, accurate, and robust business intelligence. You will use Business Intelligence tools to make useful datasets, establish best practices for datasets and reporting, and develop expertise in various data domains.

Responsibilities

  • Identify, recruit and on-board new channel partners within assigned territory.
  • Manage sales activities to generate revenue.
  • Coordinate with partners to create and execute business plans to meet sales goals.
  • Analyse market trends and accordingly develop sales plans to increase brand awareness.
  • Evaluate partner sales performance and recommend improvements.
  • Address partner related issues, sales conflicts, and pricing issues in a timely manner.
  • Manage sales pipeline, forecast monthly sales, and identify new business opportunities.
  • Stay current with latest developments in marketplace and competitor activities.
  • Communicate up-to-date information about new products and enhancements to partners.
  • Develop process improvements to optimize partner management activities.
  • Assist in partner marketing activities such as tradeshows, campaigns, and other promotional activities.
  • Lead development and deployment of centralized reports, dashboards, models, and tools to analyse, report, and present partnerships and operations-related data that is associated with Channel Planning and wider Business goals.
  • Use effective data visualization and analytical skills to simplify complex business flows and enable faster decision-making and execution.