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TAMAYYUZ TIJARI

TAMAYYUZ ePay Terms and Conditions

TAMAYYUZ ePay™ is an online payment platform designed to provide MERCHANTS and their FINAL E-CONSUMERS with secure and diverse payment solutions. These Terms of Use aim to define the rights and obligations of users of the TAMAYYUZ ePay™ platform. By accessing and using our service, you agree to comply with these terms.

TAMAYYUZ ePay™ is an online payment platform designed to provide MERCHANTS and their FINAL E-CONSUMERS with secure and diverse payment solutions. These Terms of Use aim to define the rights and obligations of users of the TAMAYYUZ ePay™ platform. By accessing and using our service, you agree to comply with these terms. Therefore, we are committed to protect your personal information and ensure the security of your transactions.

These Terms of Use aim to define the conditions and modalities in which TAMAYYUZ ePay™ offers MERCHANTS the use of its online payment service. This service allows MERCHANTS to enable FINAL E-CONSUMERS to pay for their online purchases using CIB and EDAHABIA cards.

In accordance with these specific Terms of Use, the following definitions are established:

  • TRANSACTION: Refers to the means by which the MERCHANT commits to purchasing online services sold by the E-SUPPLIER, who in turn commits to delivering them in accordance with the applicable legislative and regulatory provisions.
  • ELECTRONIC PAYMENT RECEIPT: An electronic document automatically displayed at the end of each transaction using EDAHABIA card and the CIB card; with the option to print or save a series of information related to the MERCHANT, FINAL E-CONSUMER, and the transaction details.
  • E-SUPPLIER: Refers to the company SARL TAMAYYUZ TIJARI which offers the electronic provision of the service defined in these Terms of Use.
  • E-CONSUMER / MERCHANT: Any individual or legal entity that acquires a service through electronic communication from the E-SUPPLIER for final use.
  • MERCHANT TYPES: Three types of MERCHANTS are defined:
    • Direct Merchant: A merchant who has established a web merchant contract with their bank, accepts electronic payments, and receives the final consumer payment directly into their bank account.
    • Intermediary Merchant: A merchant who has established a web merchant contract with their bank but does not receive the final consumer payment directly. TAMAYYUZ ePay™ collects the payment and makes an electronic payout to the merchant.
    • Indirect Merchant: A merchant who has not established a web merchant contract with their bank. TAMAYYUZ ePay™ collects the final consumer payment and makes a bank transfer to the merchant.
  • FINAL E-CONSUMER: Refers to an individual who purchases products or services through e-commerce platforms for personal use and not for resale. This term emphasizes that these transactions occur online via websites or mobile applications.
  • MERCHANT SITE: Refers to the virtual store where the MERCHANT offers their products and services.
  • EDAHABIA CARD: A payment card linked to a Postal Current Account, compliant with required standards, serving as an authorized payment method for conducting electronic transactions.
  • CIB CARD: An interbank card that allows you to perform your daily transactions securely, 24 hours a day, 7 days a week.
  • ELECTRONIC PAYMENT: A service that enables the holder of EDAHABIA card and the CIB card, in their capacity as a FINAL E-CONSUMERS, to carry out payment transactions for services/products on the MERCHANT'S site.
  1. MERCHANT using TAMAYYUZ ePay™ platform must be over 18 years old.
  2. MERCHANT using TAMAYYUZ ePay™ platform must be either an individual or a legal entity:
    • Of Algerian nationality
    • Legally residing in Algeria
    • A legal entity subject to Algerian law or a contract must be concluded or executed in Algeria.
  3. The MERCHANT'S site must be registered in the commercial register or in the register of trades and crafts.
  4. If the site is not registered in the commercial register or in the register of trades and crafts, the website must allow the verification of the authenticity of the MERCHANT (identity, customer support, location, etc.).
  5. The MERCHANT'S site must include sufficient information to verify its authenticity, such as a valid contact number and email address.
  6. It is strictly prohibited to use the platform of TAMAYYUZ ePay™ to sell illegal products, including but not limited to:
    • Gambling, betting, and lotteries
    • Alcoholic beverages and tobacco
    • Pharmaceutical products
    • Products infringing on intellectual, industrial, or commercial property rights
    • Any goods or services prohibited by applicable legislation
    • Any goods or services requiring an official contract
    • Digital and foreign currencies (currency exchange service)
    • Products and services must comply with applicable laws and regulations, including provisions regarding the protection of copyright and trademarks.
  7. Any electronic commercial transaction must be preceded by an electronic commercial offer.
  8. The commercial offer must include the following information:
    • Nature, characteristics, and price of the products or services offered, all taxes included
    • Availability of the products or services
    • Terms, fees, and delivery times
    • Conditions for commercial warranty and after-sales service
    • Complete description of the various stages of executing the electronic transaction
    • Duration of the validity of the offer, if applicable
    • Delivery date and price of the ordered product, cancellation terms for the order in advance, if applicable.
  9. Account registration: When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service. You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
  10. Payment processing: TAMAYYUZ ePay™ provides a secure payment processing platform, but is not responsible for the goods or services purchased through the platform. TAMAYYUZ ePay™ does not guarantee the quality, safety, or legality of any items sold through the platform, and does not act as an agent for either the buyer or the seller. If you have a dispute with a seller, you release TAMAYYUZ ePay™ from any claims or damages arising from such a dispute.
  11. Payouts & Payment Collection: TAMAYYUZ ePay™ gets service fees based on the plan chosen by the MERCHANT and the type of MERCHANT. Packages with an unlimited number of payouts, one payout per day can be made. TAMAYYUZ ePay™ may charge fees for certain services, such as processing payments or transferring money. TAMAYYUZ ePay™ is responsible for collecting payments on behalf of the MERCHANT. TAMAYYUZ ePay™ reserves the right to adjust the MERCHANT's type at any time, based on its discretion and the terms of this agreement. This adjustment may affect the fees applicable to the MERCHANT's account. TAMAYYUZ ePay™ receives service fees based on the plan chosen by the MERCHANT and the type of MERCHANT. The number of payouts and the time of processing of payouts are defined based on the plan chosen by the MERCHANT and the type of MERCHANT. In the event that fees are not paid by the MERCHANT, TAMAYYUZ ePay™ has the right to collect these fees as part of its services. Additionally, TAMAYYUZ ePay™ may collect any refunds made to final consumers as a fee to be paid by the MERCHANT, as part of its service terms.
  12. In case of a claim from the FINAL E-CONSUMER to TAMAYYUZ ePay™, the MERCHANT must provide all evidence justifying the sales process (transaction date, transaction details, etc.).
  13. TAMAYYUZ ePay™ reserves the right, in case of a claim from the FINAL E-CONSUMER, to suspend the MERCHANT'S site until the investigation is complete.
  14. TAMAYYUZ ePay™ reserves the right to withhold the MERCHANT'S withdrawal amount until the investigation is complete and the problem is solved.
  15. The payment receipt and transactions are denominated in DZD.
  16. Any fraudulent use of the service by the MERCHANT will result in their liability by law.
  1. All data provided by the FINAL E-CONSUMER is necessary for processing the transaction and must be treated confidentially.
  2. This confidentiality can be lifted in case of fraud or at the request of judicial authorities.
  1. The E-SUPPLIER commits to making efforts to facilitate the access and usage of the electronic payment service for accepting payments via EDAHABIA and CIB cards.
  1. The MERCHANT that agrees to use the TAMAYYUZ ePay™ electronic payment service responsibly has accepted these Terms of Use, along with the applicable laws and regulations.
  1. In case of non-compliance with these Terms of Use, TAMAYYUZ ePay™ reserves the right, without compensation or notice, to suspend or close the MERCHANT'S account and to deny them, in the future, without prejudice to various tort or contractual actions under common law. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.
  1. In the event of a dispute between you and TAMAYYUZ ePay™, the parties will attempt to resolve the dispute through good-faith negotiations. If the parties are unable to resolve the dispute, the dispute will be resolved through binding arbitration, in accordance with the rules of Algeria.
  1. These Terms of Use are governed by Algerian law. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
  1. TAMAYYUZ ePay™ reserves the right to make changes to the platform, including adding or removing features, at any time, without notice. We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is a material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. TAMAYYUZ ePay™ reserves the right to change the pricing table at any time and must inform the MERCHANTS. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
  2. TAMAYYUZ ePay™ can modify or update these terms at any time if necessary.

Entry into Force

  1. These Terms of Use come into effect upon acceptance by the MERCHANT or upon the use of the service and remain valid.
  1. TAMAYYUZ ePay™ provides the platform on an "as is" and "as available" basis, and makes no representations or warranties of any kind, express or implied, as to the operation of the platform, the accuracy of the information provided, or the availability of the platform. TAMAYYUZ ePay™ will not be liable for any damages of any kind arising from the use of the platform, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages.