1. Service Description

NaqdPay is a digital financial platform that enables users to perform services including, but not limited to, wallet management, fund transfers, bill payments, merchant payments, and other related financial services.

2. Eligibility and Use

The User must provide accurate, complete, and up-to-date information.

The App must only be used for lawful purposes.

Any misuse, fraud, or unauthorised use of the App is strictly prohibited.

3. User Account

The User is responsible for maintaining the confidentiality of their account credentials (e.g., mobile number, password).

The User must immediately notify NaqdPay in case of any suspicious or unauthorised activity.

NaqdPay reserves the right to suspend or restrict any account that violates these Terms.

4. Transactions

All transactions initiated through the User’s account are considered authorised.

The User is responsible for verifying transaction details before confirmation.

NaqdPay is not liable for errors caused by incorrect information entered by the User.

5. Fees and Charges

Certain services may be subject to fees.

Applicable fees will be disclosed prior to transaction confirmation.

By proceeding, the User accepts the applicable fees.

6. Privacy and Data Protection

NaqdPay is committed to protecting User data in accordance with applicable laws and regulations.

User data is processed solely for service delivery, system improvement, and regulatory compliance.

Data may be disclosed to competent authorities where legally required.

7. Security

The User is responsible for safeguarding access to their device and account.

NaqdPay implements reasonable security measures; however, ultimate responsibility for credential protection lies with the User.

8. Limitation of Liability

NaqdPay shall not be liable for any loss or damage arising from:

Network failures or service interruptions

Third-party system failures (e.g., banks, payment networks)

User negligence or misuse

9. Suspension and Termination

NaqdPay reserves the right to suspend or terminate access to the App in cases of:

Breach of these Terms

Suspicious or unlawful activity

Regulatory or legal requirements

10. Amendments

NaqdPay may update these Terms at any time. Continued use of the App constitutes acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws and regulations of the Islamic Republic of Afghanistan, including applicable regulations of Da Afghanistan Bank (DAB).

12. Contact Information

For support, inquiries, or complaints, Users may contact:

Email: [email protected]

Phone: +93728979797