Terms of Use

Effective as of: 4 May 2023

These terms and conditions govern your use of Qawn (“Qawn” or “Service”). You understand that by subscribing to the Service, you agree to be bound by these terms and conditions (“T&C”) which will apply to and govern your use of the Service.  

If you are using any of Jordan Ahli Bank’s Digital Channel Service(s), you would have accepted the terms and conditions which apply to such service(s) (“Digital Services T&C”). The current T&C are supplementary to and should be read together with the Digital Services T&C (and as same may be amended from time to time). To the extent that there is any inconsistency between both terms and conditions, these T&C shall prevail with regards to the Service.  Unless the context provides otherwise, terms capitalised but not defined in these T&Cs shall have the same meaning ascribed to them under the Digital Services T&Cs.  

If you are not using any Digital Channel Services at the date of your acceptance of these T&Cs, then by accepting these T&Cs you are also deemed to accept and warrant complying with the Digital Services T&Cs which can be found at: 

In these T&C, the following terms shall have the meaning so ascribed to them: 

  • Close of Business: means 10:30 pm of the day which is a business day for the Bank including any change that may be introduced in relation to what constitutes “close of business” for the Bank. 
  • Beneficiary: means a User (as defined below) who is the holder of a QAWN Account. “Beneficiaries” shall be construed accordingly. 
  • JoPACC: Jordan Payments & Clearing Company. 
  • Merchant: means a merchant, being a natural person or a corporate entity, who accepts payment for goods and/or services through QAWN. “Merchants” shall be construed accordingly. 
  • QR Code: means: (i) in respect of a User, the static Quick Response Code assigned to such User and which allows them to receive Transfers from other Users; (ii) via Cliq, and (iii) in respect of a Merchant, either a static Quick Response Code which a User may scan and/or upload to make a Transfer to the Merchant, and/or a dynamic Quick Response Code which is generated for each invoice payable by the User based on the purchase transaction value and data inserted by the Merchant whereby the User would scan and/or upload the said QR Code in order to make a Transfer to the Merchant accordingly.  
  • Qawn Account: means the virtual account held with the Bank which is intended for use via Qawn and through which the User will be able to effect Transactions in accordance with these T&C. 
  • User: means an actual beneficiary user of the Service who has duly subscribed to same. “Users” shall be construed accordingly. 
  • The Service
    • Upon your acceptance of these T&Cs, you are granting the Bank an absolute, unconditional and irrevocable permission and you consent to the Bank opening a QAWN Account for you and on your behalf including taking all measures as well as using and processing all data and information required  as to enable the Bank to do so. For this purpose, you hereby agree to the Bank’s account opening terms and conditions. 
    • Once the Bank has opened a QAWN Account for you, you will be  subscribed to the Service and you will become the holder of a QAWN Account through which you will be able to effect Transactions as more fully described in these T&Cs. You acknowledge and agree that the Bank has sole discretion to refuse opening the account without the need to provide any reasoning or clarification behind its decision and such decision shall be deemed final. 
    • You understand that, you will be able to receive local monetary transfers via CliQ, receive local and international monetary transfers via IBAN, return any amounts received via transactions either in whole or in part, requesting and being granted, once approved, facilities to be determined solely by the Bank, obtain a special QR code on the application QR code, receive payments via QR code (Quick Response Code), view your account statements, usage of a channel of communication and support and having the opportunity to financing/instalment service when purchasing from a supplier. 
    • You undertake not to use your Account for any commercial purposes and to use same for personal dealings only. You authorise the Bank to close your Account and take all measures it deems necessary should you use your Account in violation of the foregoing and without any liability to the Bank. 
    • You understand and acknowledge that a QR Code is automatically generated for each User. You therefore agree to hold the Bank, its affiliates, employees, shareholders and directors harmless against any loss or damage sustained as a result of any error in generating and/or sharing the relevant QR Code and therefore any inability to complete a Transfer. 
    • QR Codes may be shared with other parties, including, but not limited to, other Users and/or Merchants via WhatsApp, SMS, or any other medium, and once shared, the other Users can save the said QR Code on their Device’s photo gallery and then upload it via the Service in order to make a Transfer to the QAWN Account associated with the said User of the uploaded QR Code. 
    • You understand that by scanning and/or uploading a QR Code of another User, you are automatically adding that User as a Beneficiary for Transfers and that there will not be a need for you to re-confirm such details using any additional authentication mechanisms, including, but not limited to, a One-Time-Password (“OTP”). You agree and acknowledge that you are responsible for reviewing the Transfer details prior to making the said Transfer including ensuring that you have scanned/uploaded the correct QR Code so that the Transfer is received by intended Beneficiary. You agree to hold the Bank, its affiliates, employees, shareholders and directors harmless against any loss or damage sustained as a result of: (a) any error in generating and/or sharing the relevant QR Code and therefore the inability to complete the relevant Transfer; (b) any error in scanning the QR Code of the Beneficiary to which you wish to make a Transfer; (c) making a Transfer to an unintended Beneficiary. 
    • You understand that in order to make a Transfer to a Beneficiary via the Service without scanning their QR Code, you will need to adjust your Device’s settings in order to allow QAWN access to your Device’s contacts list and as such you then can select a the mobile number of the intended Beneficiary to whom you want to make a Transfer. The Beneficiary of said Transfer will receive a notification about the Transfer via the Service and/or via SMS.  
    • You further understand that any Transfer executed by selecting the mobile phone number of the intended Beneficiary that is not accepted via the Service prior to the Bank’s Close of Business will automatically be rejected and can no longer be accepted by the Beneficiary thereafter. For the avoidance of doubt, if the Transfer is executed by the User after the Bank’s Close of Business then the Beneficiary will be able to accept the said Transfer before Close of Business immediately after the time of executing the Transfer. 
    • You understand that by selecting the mobile phone number from your Device’s contacts list, you are automatically adding that contact as a Beneficiary for Transfers. You therefore agree to hold the Bank, its affiliates, employees, shareholders and directors harmless against any loss and/or damage sustained by you as a result of making a Transfer to an unintended Beneficiary. 
    • You can, at any time, access your Transaction history and track all Transactions you have completed through QAWN. You can also add other Users to your favourites in order to make Transfers to them expeditiously. 
    • You can, at any time, invite others to download the QAWN application via SMS messages to the mobile phone number you select from your Device’s contacts list via the Service for a fee to be set by the Bank.  You understand that said SMS messages may result in a fee as solely determined by and owed to the telecom operator you are subscribed to. You therefore agree to hold the Bank, its affiliates, employees, shareholders and directors harmless against any loss and/or damage sustained by you as a result of making a sending said SMS messages. You acknowledge and understand that the Bank has the full and sole discretion to remove or modify this feature at anytime and for any reason without any liability.  
    • You may be entitled to receive certain rewards. Please refer to the Terms and Conditions of our conditional cash rewards programs by clicking on this link to learn more about our referral incentives. 
    • You acknowledge and understand that you may use the Service to scan QR Codes relating to the JoPACC-operated instant payment service, known as “CliQ”, and that upon scanning said QR Codes, you will effect a Transfer to the Beneficiary of said QR Code, and the amount of the said Transfer you wish to effect will be debited from your QAWN Account only, and you will not be able to select a different account for effecting said Transfer via the Service.  You acknowledge and understand that effecting Transfers via the CliQ service may be subject to fees as determined by JoPACC and applied by the Bank on said payment service. You acknowledge that these fees may be subject to change from time to time. 
  • You waive any right of recourse against the Bank in relation to any loss and/or damage which you may incur as a result of your compliance and/or non-compliance with these T&C and/or a result of your use and/or misuse of the Service. You agree and undertake to defend, hold harmless, and indemnify the Bank, its affiliates, employees, shareholders and directors against any loss and/or damage which may be sustained by you as a result of your use and/or misuse of the Service. 
  • You acknowledge that the Bank’s data in relation the Service, your QAWN Account and any Transactions effected through same is final and conclusive and will be solely relied on to verify your QAWN Account balance and any Transactions effected by you through the Service, as well as any Transaction history related to your QAWN Account. You therefore waive any right to and undertake not to object to the aforementioned data. 
  • The Bank may, at any time, amend or change these T&Cs without notice to you and your continued use of the Service will be deemed as your acceptance of such changes and/or amendments. The Bank may also add and/or change and/or cancel the Service or any part thereof or any features, and/or capabilities relating to the Service or the software used in connection with same. 
  • Qawn utilises a designated artificial intelligence (“AI”) engine, whereby all of your conversations with the AI system are recorded for technical usage to develop Qawn, and Qawn’s experience. Furthermore, AI records and notes the your behaviour, to make your experience more friendly and customised.  

You acknowledge that the AI systems and engines utilised, while designed to assist with service-related decisions, may not be free from errors. Neither the Bank and/or Qawn shall be held liable for any actions, decisions, or outcomes resulting from the use of the AI systems and engines in connection with the Service. 

  • User to User Transfer 
    • Using the Service, Users can (a) make Transfers from their QAWN Account to QAWN Accounts of other Users, and (b) receive Transfers to their QAWN Account from other Users. 
    • Using the Service, Users can make Transfers referred to in ‎6.1 by (a) scanning another User’s QR Code, or (b) uploading another User’s QR Code, or (c) selecting the User’s mobile phone number from their Device’s contacts list: 
      • To make a Transfer to another User by scanning their QR Code, the User making the Transfer must use the QR Code scanning feature of the Service to scan the QR Code of the Beneficiary.  Once the QR Code of the Beneficiary is identified by the Service, the User making the Transfer would need to enter the amount they wish to Transfer to the Beneficiary and click the “pay” button to confirm and execute the Transfer. 
      • To make a Transfer to another User by uploading their QR Code, the User making the Transfer must grant QAWN access to the photo gallery on their Device (via their Device’s settings) and select the stored image of the QR Code associated with the intended Beneficiary for upload. Once the QR Code of the Beneficiary is identified by the Service, the User making the Transfer would need to enter the amount they wish to transfer to the Beneficiary and click the “pay” button to confirm and execute the Transfer. 
      • To make a Transfer to a Beneficiary by using their mobile phone number, the User making the Transfer must grant QAWN access to the contacts lists on their Device (via their Device’s settings) and select the mobile phone number of the intended Beneficiary from said contact list. Afterwards, the User making the Transfer would need to enter the amount they wish to Transfer to that Beneficiary and click the “pay” button to confirm and execute the Transfer. 
  • User to Merchant Transfer 
    • Using the Service, Users can (a) make Transfers from their QAWN Account to Merchants, and (b) receive Transfers to their QAWN Account from Merchants. 
    • The User understands and acknowledges that the Merchant may have a static QR Code and the ability to generate dynamic QR Codes. 
      • The User may make a Transfer to a Merchant using the Merchant’s static QR Code by following the same steps which need to be followed in order to make a Transfer to a Beneficiary, by scanning or uploading the QR Code (as detailed above), inserting the amount the User wishes to Transfer, and then pressing the relevant button to confirm and execute the Transfer. 
      • The User may make a Transfer to a Merchant using the Merchant’s dynamic QR Code by following the same steps which need to be followed in order to make a Transfer to a Beneficiary, scanning or uploading the QR Code (as detailed above), with the exception of the User’s inability to enter the amount they wish to Transfer to the Merchant.  In the case of a dynamic QR Code, the Merchant will enter the amount due for payment (Transfer) by the User in exchange for the product(s) and/or service(s) and will generate a QR Code for this amount, which will be presented to the User after scanning or uploading the said QR Code.  The User may, using the Service, confirm and execute the Transfer by pressing the “Pay” button.   
  • By using the Service, you hereby confirm and acknowledge that you have fully read, understood and agree to these Terms & Conditions and agree to be bound by them. 
  • Qawn is under the supervision of the Bank,  and adheres to all applicable legislations in Jordan. Consequently, all terms, conditions, and policies that apply to the Bank shall also apply to Qawn.
  • Quick Access Feature 
    • As part of enhancing user experience, Qawn offers a (“Quick Access“) feature that allows Users to access certain non-sensitive functionalities of the Service without the need to log in using a username, password, biometric data, or other authentication mechanisms. By using Quick Access, you acknowledge and agree to the following: 
      • (“Accessible Features”): The following features may be accessed without authentication: 
        • Home page; 
        • Create new chat; 
        • Chat conversations and chat bubbles (excluding money transfer bubbles); 
        • View shops / e-vouchers (view only); 
        • Create groups; 
        • Invite friends; 
        • Sync contacts; 
        • View contacts; and 
        • Add contact.  
      • (“Restricted features”): Access to the following features will require full authentication: 
        • Money transfer bubbles (within chat conversations); 
        • Balance information; 
        • Qs Page; 
        • CliQ transfers (including history); 
        • Account top-up and withdrawals (ATM); 
        • Debit card section; 
        • Scan to pay; 
        • Bill payments; 
        • Account details (e.g., IBAN); 
        • User profile; 
        • Settings page; and 
        • Purchase of e-Vouchers.  
    • User Responsibility: You understand and accept that while Quick Access is designed for convenience, it may allow limited visibility of certain content on your Device. You are solely responsible for ensuring that your Device is secure and that unauthorized persons do not access your Device while Quick Access is enabled. 
    • Security and Limitations: The Bank reserves the right to modify, suspend, or disable the Quick Access feature at any time without prior notice. The Bank shall not be liable for any loss or damage arising from the use or misuse of the Quick Access feature. 
    • Consent: By enabling or using the Quick Access feature, you consent to the display of the above-listed Accessible Features without authentication and acknowledge the associated risks.