Travel Buddy

Travel Buddy

Travel Buddy Card

These terms and conditions (“Terms and Conditions”) govern the issuance and
use of BFC Pay Travel Buddy Card and Travel Buddy+ Card

Definitions and interpretations

Definitions

Unless otherwise mentioned:

  1. “Account” means a customer account created and maintained in the records
    of BFCP to reflect Card Transactions and any Service Charges that may be
    applied.
  2. “Add Money” means adding funds into BHD wallet of Travel Buddy Program
  3. “ATM” means an automatic teller machine, a device that enables cash
    withdrawals and other financial transactions to be executed electronically.
  4. “BFCP” means BFC Payments B.S.C. (C), a closed joint stock company
    incorporated in the Kingdom of Bahrain under commercial registration number
    CR 121852 and licensed by the Central Bank of Bahrain as an Ancillary Service
    Provider; and having its registered address at Flat No. 303, Building 150, Road
    1507, Block 315, P.O. Box 243, Manama, Kingdom of Bahrain.
  5. “BFC Pay Travel Buddy Card” or “Travel Buddy Card” means the prepaid
    multicurrency reloadable Card which is issued by BFCP.
  6. “Business Day” means the day on which BFCP is open for normal operation
    and providing its services.
  7. “Card Charges” means any charges payable by a Cardholder in respect of a
    Card as notified by BFCP from time to time including but not limited to the
    amount incurred by the Cardholder on all Card Transactions, service charges,
    issuance, annual subscription, renewal, and replacement fees as set out in the
    Service Charges Schedule below.
  8. “Card Transaction” or “Transaction” means any transaction, which is done
    by the Cardholder through the use of the Card in accordance with these Terms
    and Conditions including any debit or credit transaction reflected in the
    Account by use of the Card or loading it.
  9. “Cardholder” means the individual to whom the Card is issued by BFCP.
  10. “Cash Deposit Machine” means a Cash Dispensing Machine, a device that
    enables cash withdrawals and other financial transactions to be executed
    electronically.
  11. “Chargeback” means the reversal of a Card Transaction which is disputed by
    the Cardholder
  12. “Merchant Establishment” means any establishment (including stores, shops,
    restaurants, hotels, airlines, cash advance points, and ATMs/CDMs etc.)
    wherever located in non-sanctioned jurisdictions, which accepts cards in the
    VISA network.
  13. “PIN” means the unique Personal Identification Number generated by the
    Cardholder and validated by BFCP to enable usage of the Card at Point of Sale
    (POS) Machines ATMs, CDMs, Merchant Establishments, and other selfservice facilities.
  14. “Transfer to Wallets” means moving funds from BHD wallet to other currency
    wallets of Travel Buddy Program or vice-versa.
  15. “Travel Buddy Program” consists of Travel Buddy and Travel Buddy+ cards
    issuance, distribution, and portfolio management.
  16. “Wallet” means a customer’s account’s wallet of a particular currency created
    and maintained in the records of BFCP

Interpretations

  1. Clause, Schedule, and paragraph headings shall not affect the interpretation
    of these Terms and Conditions.
  2. A person includes a natural person, corporate or unincorporated body
    (whether or not having separate legal personality).
  3. The Schedules form part of these Terms and Conditions. Any reference to
    these Terms and Conditions includes the Schedules.
  4. A reference to a company shall include any company, corporation, or other
    body corporate, wherever and however incorporated or established.
  5. Unless the context otherwise requires, words in the singular shall include the
    plural and the plural shall include the singular.
  6. Unless the context otherwise requires, a reference to one gender shall include
    a reference to the other gender.
  7. These Terms and Conditions shall be binding on and endure to the benefit of
    the Parties and their respective personal representatives, successors and
    permitted assigns, and references to any party shall include that party’s
    personal representatives, successors, and permitted assigns.
  8. A reference to a statute or statutory provision is a reference to it as amended,
    extended, or re-enacted from time to time.
  9. A reference to writing or written includes fax and email.
  10. Any obligation on a party not to do something includes an obligation not to
    allow that thing to be done.
  11. References to a document in agreed form are to that document in the form
    agreed by the parties and initialed by them or on their behalf for identification.
  12. A reference to these Terms and Conditions or to any other agreement or
    document referred to in these Terms and Conditions is a reference to these
    Terms and Conditions or such other agreement or document as varied or
    novated (in each case, other than in breach of the provisions of these Terms
    and Conditions) from time to time.
  13. References to clauses and Schedules are to the clauses and Schedules of
    these Terms and Conditions.

The Card

Issuance of a Card

  1. Issuance of a Card is subject to the applicant for a Card providing a duly
    completed online card application and/or providing any other documents that
    BFCP may, in its sole and absolute discretion, request in support of such
    application. The applicant must provide BFCP with updated Identification
    Documents – such as a national identity card and Passport- upon the expiry of
    the existing documents. The applicant must also provide BFCP with any other
    supporting documents as and when required.
  2. There will be two products called Travel Buddy and Travel Buddy+ as a part of
    this program. Issuing Travel Buddy or Travel Buddy+ to the customers is at
    BFCP’s sole discretion.
  3. Issuance of the Card is at the sole and absolute discretion of BFCP and BFCP
    may, refuse to issue a Card to an applicant without assigning any reason for
    such refusal.
  4. The Cardholder of physical card must sign on the space provided at the back
    of the Card immediately upon receipt. The Card shall only be valid once the
    reverse side is signed.

Loading the Card

  1. Funds can be loaded on the Card via BFC Pay mobile app into BHD wallet
    through Benefit Pay, Benefit PG etc.
  2. The maximum amount that may be loaded on the Card shall not exceed the
    amount stipulated by BFCP from time to time and in accordance with
    directives issued by the Central Bank of Bahrain.

Transfer to wallets

  1. Funds deposited into BHD wallet can be transferred to any non-BHD active
    wallet. Similarly, funds can be transferred back to BHD wallet from any nonBHD wallet.
  2. Rate to convert funds from BHD to non-BHD or vice-versa will be displayed on
    BFC Pay mobile app before the transaction is performed and confirmed by the
    Cardholder.

Send to Buddy

  1. Funds can be to another Travel Buddy user via BFC Pay mobile app into BHD
    wallet by entering their CPR Number or Mobile Number.
  2. The maximum amount that may be transfer to any other Travel Buddy user
    shall not exceed the amount stipulated by BFCP from time to time and in
    accordance with directives issued by the Central Bank of Bahrain.

Ownership of the Card

The Card shall remain the property of BFCP at all times and the Cardholder shall
be obliged to surrender the Card to BFCP on demand.

Safeguarding the Card and the PIN

The Card is issued to the Cardholder at the Cardholder’s risk and responsibility.
The Cardholder must keep the Card and the PIN separately, safe, and secure. The
Cardholder should not write the PIN on the Card. If the Card is lost or stolen or
suspected stolen or if the PIN has become known or is suspected to have become
known to any unauthorized person, the Cardholder must immediately notify BFCP
in writing.

Using the Card

  1. The Card is a prepaid card that allows the Cardholder to access funds loaded
    onto the wallets for the purpose of availing goods, services, facilities, and
    benefits that are made available by any Merchant Establishment or for cash
    withdrawals across ATMs/CDMs.
    Mail Order/Telephone Order (MOTO) transactions are not permitted.
    The Card is not a credit, or a debit card and the Cardholder will not be entitled
    to receive any interest on the funds loaded on the card nor will any cheque
    books be issued to the Cardholder.
  2. The Card issued is personalized to the Cardholder who shall be responsible
    for all applicable Card Charges.
  3. Cardholder:
    a. Cardholder can load money into BHD wallet or transfer money to non-BHD
    wallet or transfer back to BHD wallet subject to the exchange rate
    displayed on BFC Pay mobile app.
    b. The conducted transaction by the Cardholder will be debited from the
    subject wallet that is used to complete the transaction subject to the fund’s
    availability.
    c. If Cardholder conducts transactions from a wallet that has partial funds or
    no funds available, funds will be debited from any other wallet, provided
    funds are available, otherwise the transaction will be declined (Maximum
    total of two wallets will be dipped).
    d. The Cardholder agrees not to use the Card for any illegal Transactions as
    defined by applicable laws of the Kingdom of Bahrain governing the usage
    of prepaid cards and as defined by Visa International.
    e. Cardholder agrees not to use the Card for wholesale/ corporate/ business
    purposes, and the same is strictly to be used for personal/ retail usage.

Exchange rates and wallet dipping

  1. Exchange rate: For “Transfer to wallet” transactions, BFCP exchange rate will
    be applied, which will be displayed on the mobile application and consent from
    Cardholder is taken before transactions is conducted.
  2. For Spend Transactions (POS, Online, Offline or ATM), converting transaction
    currency amount to the currency of wallet being dipped, the below process
    will be followed:
    a. If the transaction currency is one of the wallet currencies being offered by
    Travel Buddy Program, and BHD wallet is being dipped BFCP rate will be
    applied which will be displayed on the mobile application
    b. For other conversions, VISA defined exchange rate will be applied.
  3. Wallet Dipping: If the Cardholder is making a transaction in a particular
    currency and that wallet currency balance is not sufficient, the Travel buddy
    program will invoke wallet dipping as per the wallet priority list. Wallet dipping
    isn’t applicable to BHD transactions.
  4. Maximum 2 wallets will be dipped in the priority order stated below:
    1. BHD
    2. USD
    3. AED
    4. SAR
    5. EUR
    6. GBP
    7. OMR
    8. TRY
    9. THB
    10. GEL
    11. QAR
    12. KWD
    13. CHF
    14. AUD
    15. CAD
    16. NOK
    17. SGD
    18. JPY
    19. MYR
    20. INR
    21. AZN
    22. EGP
    23. SEK
    24. JOD
    25. PHP
    26. IQD
    27. MAD
    28. ZAR
    29. IDR
    30. CNY
    31. HKD
    32. CZK
  5. Example 1: Transaction currency is among the wallet currencies being offered
    by BFCP as a part of Travel Buddy program.
    Transaction Currency: United States Dollars (USD)
    Transaction amount: USD 100
    1. If balance is fully there in USD wallet
      This amount in USD will be deducted from USD wallet balance
    2. If 0 balance is there in USD wallet
      Next wallet with full sufficient balance will be deducted as per the wallet
      dipping priority list.
    3. If partial balance is there in USD wallet
      Next wallet with remaining full sufficient balance will be deducted as per
      the wallet dipping priority list. The dipping will happen across 2 wallets i.e.,
      in this scenario, BHD and other wallets will be checked and in priority it’ll
      be dipped. USD to BHD will take place as per the BFCP rate, but USD to
      AED will take place as per VISA defined exchange rate.
  6. Example 2: Transaction currency is not among the wallet currencies being
    offered by BFCP as a part of Travel Buddy program.
    Transaction Currency: Thai Baht (THB)
    Transaction amount: THB 100
    1. If balance is fully there in BHD wallet
      Travel Buddy 8
      This amount in THB will be converted to BHD as per VISA exchange rates
      and be deducted from BHD wallet balance
    2. If 0 balance is there in BHD wallet
      Next wallet with full sufficient balance will be deducted as per the wallet
      dipping priority list.
    3. If partial balance is there in BHD wallet
      Next wallet with full sufficient balance will be deducted as per the wallet
      dipping priority list. The dipping will happen across 2 wallets i.e., in this
      scenario, BHD and other wallets will be checked and in priority it’ll be
      dipped. THB to BHD and THB to “other wallet e.g., USD” conversion will
      happen as per VISA exchange rates

Schedule of Charges

DescriptionTravel BuddyTravel Buddy +
Prepaid Card - Non-Financial Transactions
Annual Subscription FeeBHD 3BHD 10
Card Issue FeesFreeFree
Card - ReplacementBHD 3BHD 3
Virtual Card - Issue/ Reissue/ ReplacementFreeFree
BFC Pay mobile App - Account Statement Via mobileFreeFree
Account Statement PhysicalBHD 3Free
BFC Pay mobile App - Balance EnquiryFreeFree
ATM Balance Enquiry - BHDFreeFree
ATM Balance Enquiry (international)2 BHD or equivalent of 2 BHD in the currency of the wallet whose Balance is enquired1 BHD or equivalent of 1 BHD in the currency of the wallet whose Balance is enquired
Financial Transactions
Markup for loading BHDFreeFree
Forex Markup for loading international currencies*Up to 3.5%Up to 3.3%
Fees for POS and Online Transactions where transaction currency and wallet currency are the sameFreeFree
Fees for POS / Online Transactions where transaction currency and wallet currency are differentUp to 3.5%Up to 3.3%
ATM Cash Withdrawal - BHDBHD 0.200BHD 0.200
ATM Cash Withdrawal - other currencies2% of the amount withdrawn1.5 % of the amount withdrawn
Dipping ChargesUp to 3%Up to 3%

10% VAT will be applied on all the charges and fees

*Applicable for GCC currencies, USD, EUR and GBP. For rest currencies, Markup depends on market volatility

Limits and Controls

*Daily and Monthly limits for spending transactions for other currencies are
equivalent to USD. For BHD currency, wallet-to-wallet and all spend type
transactions limit is BHD 2500

Limits and ControlsTravel BuddyTravel Buddy +
Minimum Balance RequirementNilNil
Maximum BalanceBHD 2500BHD 6000
Maximum load per dayBHD 4000BHD 8000
Maximum Load per monthBHD 10000BHD 30000
ATM Transactions limitMaximum transaction value BHD 500Maximum transaction value BHD 500
PoS Transactions limitMaximum transaction value BHD 2500Maximum transaction value BHD 3500
Online Transactions limitMaximum transaction value BHD 2500Maximum transaction value BHD 3500
Max Transfer to Buddy per day20002500
Max Transfer to Buddy per month40005000
Max Transfer to Buddy per day (Count)510
Max Transfer to Buddy per month (Count)1020

Loss or Theft of the Card

  1. Upon discovery or suspicion of the loss or theft of the Card, the Cardholder
    should notify BFCP Customer Service Centre immediately. In the event the
    Cardholder recovers the Card which has been reported as having been lost or
    stolen, the Cardholder shall hand over the recovered Card/s to BFCP
    immediately.
  2. On receiving a request from Card member to replace his/her card through BFC
    Pay mobile app, BFCP may at its sole and absolute discretion issue the
    Cardholder with a replacement Card, the possession and use of which shall be
    governed by these Terms and Conditions.
  3. The Cardholder shall be solely responsible for any unauthorized Card
    Transactions that are done through the use of the Card/PIN prior to the loss or
    theft of the Card/ PIN being reported to BFCP. In case of reporting a lost,
    stolen, or damaged Card, the Cardholder must present his/her valid national
    identity card to BFCP or any other equivalent ID document in form and
    substance which is satisfactory to BFCP in its sole and absolute discretion.

Disputes, Refunds, and chargebacks

  1. BFCP will credit the Cardholder’s wallet with the amount of any refund only
    upon receipt of a properly issued credit voucher from the Merchant
    Establishment (POS) or ATM/CDM. Subject to any rights vested in the
    Cardholder by applicable law, no claim by a Cardholder against a third party
    may be the subject of a defense or counterclaim against BFCP. The
    Cardholder acknowledge to accept a credit refund transaction to his/her Card
    Wallet Account in the applicable transaction currency if they are entitled to a
    refund or other credit for any reason for goods or services purchased using
    the Card.
  2. Cardholders can initiate a dispute request to BFCP for reversing or refunding
    the transactions under specific circumstances of the dispute resolution rules,
    e.g., unauthorized transactions or the merchant failed to deliver
    goods/services after one-off pre-payment. However, not all transactions are
    protected by dispute resolution.
  3. Cardholders can initiate the lodging of dispute complaint/request with the
    following procedures:
    a. Call BFC Payments Customer Service Center at +973 1771 1775 (From 8AM to 8 PM every day)
    b. Complete Transaction details with supporting documents to BFC Payments Customer Service Center at customerservice@bfcpayments.com Supporting documents may include the related transaction receipt/ contract and the proof of the merchant’s failure to deliver goods/services (if applicable).
    c. For any transactions that are in doubt, Cardholders should raise the dispute within 30 working days from the transaction date.
    d. If, under the scenario of merchant closure or failure to deliver goods/services, the request deadline varies by different card associations (in general within 75-120 working days). Cardholders should initiate the request and provide adequate and valid supporting documents as soon as possible. BFC Payments reserves the right to accept the dispute request, the decision of BFC payments shall be final and binding.
    e. The processing time will normally be around 60-90 working days upon receiving all documents. The processing time may be longer depending on the complexity. BFC Payments will raise the request for Cardholders against the acquirer. If the request is accepted by the acquirer (Merchant), the amount will be reversed/refunded to Cardholders via the BFC Payments App.
    f. The Cardholder acknowledge to accept a credit refund transaction to his/her Card Wallet Account in the applicable transaction currency if they are entitled to a refund or other credit for any reason for goods or services purchased using the Card.
    g. As a final resort, BFCP can try to request a retrieval of the charge slip from the merchant’s bank as verification. Please note that the merchant retains the discretion as to whether they wish to respond to our request and such a request will take 30 to 60 days (about 2 months). Upon successful retrieval of the charge slip from the merchant’s bank a fee of BHD 3.000 per transaction will be charged to the customer.

Lodging complaint

For BFC Pay App-related inquiries or support assistance please call +973 1771
1775 or write us at customerservice@bfcpayments.com

For any Feedback or Complaints please write to: Customer Service Centre, BFC
Payments B.S.C. (C), P.O. Box 243, Manama, Kingdom of Bahrain or
complaints@bfcpayments.com

Authorization to BFCP

By using the Card, the Cardholder authorizes BFCP to:

  1. Deduct the amount loaded on the Card by the amount of the Card Transaction.
  2. Deduct all applicable Card Charges as and when such charges accrue or
    arise.
  3. Debit the Account with any charges resulting from currency conversions.
  4. Debit the Account with all amounts notwithstanding that such transactions
    may exceed the amount loaded onto the Card.
  5. Debit the Account with any other liabilities that may be incurred by the
    Cardholder through the use of the Card; and/or
  6. Set off any liability owed by the Cardholder to BFCP against the amount
    loaded on the Card.

Rights of BFCP

  1. BFCP may amend these Terms and Conditions and/or change the design of
    the Card and/or vary the method of calculation of the handling charges,
    additional charges, finance charges, or any other charges relating to the Card
    including those
  2. BFCP may reject the card application request of the customer based on the
    customer risk profile.
  3. Detailed in the Service Charges Schedule at any time and shall notify the
    Cardholder of the same in the manner BFCP deems appropriate taking into
    consideration the applicable regulatory disclosure requirements.
  4. BFCP may record any instructions given, or conversations had, by the
    Cardholder with BFCP for quality assurance and other purposes and such
    records of instructions given and conversations had shall be conclusive proof
    and binding for all purposes and may be used as evidence in any proceeding
    before any court of law, as BFCP may deem fit.

Obligations of the Cardholder

The Cardholder agrees and undertakes:

  1. To safeguard the Card and keep it under his/her personal control at all times
    and not to divulge the PIN to any other person.
  2. To reimburse BFCP with applicable charges that may be debited to the Card in
    the event that the balance on the Card is insufficient to defray such amounts.
  3. Not to pledge the Card or use the Card as security for any purpose.
  4. To surrender the Card to BFCP without demur in the event that BFCP exercises
    its right to suspend or cancel the Cardholder’s use of the Card.
  5. That the records of BFCP shall be considered as conclusive and binding
    evidence in the absence of manifest error.
  6. To provide any document reasonably requested by BFCP which is necessary
    for the provision of the services by BFCP hereunder; and
  7. To immediately notify BFCP in writing of any change to the Cardholder’s
    personal details that have been provided to BFCP in the Application Form.

Disclaimer of Liability

In no circumstances shall BFCP be liable for any loss or damage sustained or
incurred by the Cardholder, whether direct or indirect, including loss or damage
sustained as a consequence of:

  1. BFC or a Merchant Establishment or any ATM or any CDM refusing to allow a
    Card Transaction or refusing to accept the Card or the PIN; or
  2. Any defect or deficiency in the goods or services supplied to the Cardholder
    by any Merchant Establishment, or, where applicable, for any breach or nonperformance by a Merchant Establishment; or
  3. The Cardholder being unable to withdraw money or avail of Card services
    either by reason of insufficiency of funds in an ATM/CDM or as a result of an
    electronic, mechanical, communications failure or otherwise.

Personal Information

  1. The Cardholder’s personal information may be stored and processed by
    computerized or other means by BFCP or any third-party entity to which the
    data processing aspect of the Card program is outsourced.
  2. The Cardholder is hereby made aware that any personal data that is provided
    to BFCP including details of purchases and redemptions may be disclosed and
    shared by BFCP with the authorities as required by law, its affiliates, business
    partners and other relevant entities as deemed necessary. The Cardholder can
    withdraw the consent to use or disclose personal information at any time.
  3. The Cardholder irrevocably authorizes and permits BFCP to disclose and
    furnish such information that it deems fit in relation to the Cardholder or the
    Cardholder’s card account and its affairs including but not limited to this
    Agreement to BFCP’s associates, branches, assignees, agents or other
    parties.
  4. BFCP and any sub-processor shall only store and process the Cardholder’s
    personal data in accordance with applicable Personal Data Protection laws.

Death of the Cardholder

BFCP must be informed in writing on the death, incapacity, dissolution, insolvency,
or bankruptcy of the Cardholder and BFCP shall not be held liable for any loss or
damage whether direct, indirect, or consequential which may arise from any Card
Transactions that are affected prior to written notice having been received by
BFCP of such death or insolvency.

Upon receiving notice of the Cardholder’s death or insolvency, BFCP shall
suspend the operation of the Account until such time as it is satisfied that a duly
appointed successor or court-appointed officer has been legally empowered to
operate with the Account or that the heirs of the deceased Cardholder have
established their rights to the estate of the deceased Cardholder in accordance
with Applicable Law.

Termination

  1. The Cardholder may terminate the Card by written notice to BFCP, but such
    termination shall only be effective on the return to and receipt of the issued
    card by BFCP and upon settlement of all outstanding liabilities of the
    Cardholder in full.
  2. The whole of the outstanding balance/charges on the Account (if any) will
    become immediately due and payable in full to BFCP on termination of the
    Card or on the Cardholder’s bankruptcy or death.
  3. The Cardholder will be responsible for settling any outstanding amounts on the
    Account and shall keep BFCP indemnified against all costs, charges (including
    legal fees), and expenses incurred in recovering such outstanding.
  4. In the event that there is a balance outstanding in favor of the Cardholder on
    termination, after deducting all amounts that are payable by the Cardholder
    whether by way of Card Charges or otherwise, BFCP shall pay such balance to
    the Cardholder.
  5. BFCP may terminate the Card at any time by cancelling or refusing to renew
    the Card with or without prior notice at its own discretion without any
    commitment to provide an explanation.

Indemnity

The Cardholder undertakes and agrees to indemnify BFCP against any loss,
damages, liability, costs and expenses whether legal or otherwise which BFCP
may incur by reason of these Terms and Conditions or by any breach thereof or
the enforcement of the Bank’s rights as herein provided. All costs expenses in
such regard may be debited to the Card account and shall be payable by the
Cardholder.

Sever-ability

No forbearance, delay, or indulgence by BFCP in enforcing these Terms and
Conditions shall prejudice or restrict the rights of BFCP nor shall any waiver of its
rights operate as a waiver of any subsequent breach.

Waiver of Remedies

These Terms and Conditions shall be construed in accordance with and governed
by the Laws of the Kingdom of Bahrain. The courts of the Kingdom of Bahrain
shall have exclusive jurisdiction in connection herewith.

Governing Law & Jurisdiction

These Terms and Conditions shall be construed in accordance with and governed
by the Laws of the Kingdom of Bahrain. The courts of the Kingdom of Bahrain
shall have exclusive jurisdiction in connection herewith.

Language

These Terms and Conditions have been prepared in English and have been
translated into Arabic, in the event of any contradiction between the English and
the Arabic texts of these Terms and Conditions, the English text shall prevail.

General

  1. The Cardholder hereby irrevocably and unconditionally and without any right
    to protest, authorizes BFCP to reverse any entry on the Account found to be
    made in error or omission.
  2. BFCP has certain responsibilities under Anti-Money Laundering Law and other
    standards to verify the identity and Residence address of Cardholders, and
    BFCP may request relevant documents as per BFCP’s KYC policy to establish
    the correctness of these details.
  3. BFCP may amend these Terms and Conditions from time to time and notify the
    Cardholder (within 30 working days written notice) by such means as deemed
    fair. No amendments will affect any outstanding order or transaction or any
    legal rights or obligations which may already have arisen. Notices and other
    correspondence shall be deemed to be received within seven Business Days
    after posting, if sent by post.
  4. Notices required to be provided by BFCP to the Cardholder will be in writing
    addressed to the Cardholder’s last known address and delivered by post, by
    hand, by courier, or transmission if sent by e-mail. The Cardholder must
    update BFCP immediately of any change to the Cardholder’s address and /or
    contact details. Notices required to be given to BFCP by Cardholder hereunder
    must be made in writing unless otherwise specified in these Terms and
    Conditions.
  5. The Cardholder agrees and undertakes to keep BFCP indemnified and held
    harmless against all actions, claims, costs, expenses, and damages brought
    against or suffered by BFCP arising from a breach by the Cardholder of these
    Terms and Conditions.

Taxes

  1. Any prices, amounts, fees, charges, or other amounts which are payable
    hereunder are exclusive of any applicable VAT (Value Added Tax).
  2. Where any supplies made hereunder are subject to VAT, BFCP agrees to issue
    a valid Tax Invoice to the recipient

Contact information

For consumer inquiries or comments please write to: Customer Service Centre,
BFC Payments B.S.C. (C), P.O. Box 243, Manama, Kingdom of Bahrain or Tel: +973
1771 1775 or Email: customer.services@bfcpayments.com