Terms & Conditions

Last Updated: 7 November 2024

These Terms & Conditions govern the use of the Al Ritaj Pay service. By accessing or using Al Ritaj Pay, you agree to be bound by these terms. If you do not agree to these terms, you must not use our service.

1. Introduction
Al Ritaj Pay is a digital payment service that allows users to send money between Malaysia and Nigeria efficiently and securely. We are committed to providing a seamless, transparent, and affordable cross-border payment experience.

2. Eligibility
To use Al Ritaj Pay, you must:

Be at least 18 years old.

  • Have a valid form of identification (such as a passport or government-issued ID).
  • Comply with all local and international laws and regulations regarding money transfer.
  • Register and maintain a verified account with us.
  • By registering, you confirm that you meet these eligibility requirements.

3. Account Registration and Verification
To access our services, you must create an Al Ritaj Pay account and verify your identity. This process involves:

  • Providing personal information, including but not limited to your full name, address, and contact details.
  • Uploading identification documents as required by our verification process.
  • Providing additional documents if requested to comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations.
  • Al Ritaj Pay reserves the right to suspend or terminate any account that does not meet our verification requirements or is found to violate our terms.

4. Using the Service

a. Creating a Transfer
To initiate a transfer:

  • Log in to your verified Al Ritaj Pay account.
  • Enter the recipient’s details, including name and payment information.
  • Select the currency and amount to send, and choose a transfer method.
  • Review fees and confirm the transaction.

b. Transfer Fees and Exchange Rates
Our fees and exchange rates are provided transparently at the time of each transaction. Exchange rates may fluctuate, and the rate applied will be the one shown at the time of your confirmation. By confirming a transaction, you agree to the fee and exchange rate terms provided.

c. Transfer Limits
Transfer limits may vary based on the country, account verification level, and regulatory requirements. For more details, please refer to our Transfer Limits Guide or contact customer support.

5. Fees and Charges
Al Ritaj Pay charges a nominal fee per transaction, which may vary based on the transaction amount and method. Additional charges may apply depending on the receiving bank, intermediary bank fees, or other factors beyond our control. These fees will be disclosed to you before transaction confirmation.

6. Prohibited Activities

You agree not to use Al Ritaj Pay for:

  • Any illegal activities, including but not limited to money laundering, terrorist financing, or fraudulent transactions.
  • Sending or receiving payments on behalf of third parties without authorization.
  • Attempting to bypass or interfere with our security measures or verification processes.
  • If you are found engaging in prohibited activities, we reserve the right to suspend or terminate your account and report suspicious activities to relevant authorities.

7. Security and Account Protection

You are responsible for maintaining the confidentiality of your account information, including your login credentials. Do not share your account details with others. If you suspect unauthorized activity on your account, contact us immediately.

Al Ritaj Pay implements strict security measures to protect your account. However, we are not liable for losses arising from unauthorized account access if you fail to secure your login credentials.

8. Limitations of Liability

Al Ritaj Pay is not liable for:

  • Any delays, errors, or issues caused by intermediary banks, payment processors, or other factors beyond our control.
  • Losses due to unauthorized access to your account if you have not taken reasonable security measures.
  • Indirect, incidental, or consequential damages related to the use of our service.
    In the event that a dispute cannot be resolved, it will be referred to binding arbitration according to the laws of Malaysia or Nigeria.

9. Dispute Resolution
If you encounter issues or discrepancies with your transaction, contact our Customer Support team. We will make every effort to resolve disputes amicably.

10. Amendments to Terms
Al Ritaj Pay reserves the right to modify these Terms & Conditions at any time. Significant changes will be communicated via email or through our app and website. Continued use of our service after any amendments signifies your acceptance of the revised terms.

11. Privacy Policy
Our Privacy Policy, which can be found on our website, explains how we collect, use, and store your personal information. By using Al Ritaj Pay, you agree to our Privacy Policy.

12. Contact Information
If you have any questions or concerns regarding these Terms & Conditions, please contact us at:

Al Ritaj Pay Support
Email: support@alritajpay.com