• Bank: Jordan Kuwait Bank
• Business day: The official working hours of the bank for dealing with the public, from 9 a.m. to 3:30 p.m., or as determined by the central bank from time to time.
• Client: A person who benefits from the banking services provided by banks, whether they have an account with the bank or not.
• Eli electronic account: A product of the Jordan Kuwait Bank, offered through a banking application that provides electronic account creation services in various currencies, issuance of prepaid virtual and physical cards, issuance of smart payment bracelets and linking them to the electronic account, with the possibility of recharging within the limits and commissions set by the bank, enabling the user to make online purchases and contactless Tap and Go payments using a mobile phone on point-of-sale devices and ATMs that support the Contactless feature, without the need to sign a receipt or enter a personal identification number, within the limits set by the bank.
• Eli application: An application of the Jordan Kuwait Bank, allowing customers to create electronic accounts in multiple currencies, and issue basic and additional prepaid virtual and physical cards.
• Eli Website: The website specifically for the Eli product, owned by the Jordan Kuwait Bank, which provides all the information and data related to the Eli product.
• Multi-currency prepaid card: A Mastercard issued by the Jordan Kuwait Bank, rechargeable and linked to the electronic account, either virtual or physical. The cardholder can make online purchases, contact and contactless Tap and Go payments on point-of-sale devices and ATMs that support the Contactless feature, within the currencies and limits set by the bank.
• Virtual card: A card automatically created when opening an electronic account.
• Physical card: A plastic card issued upon the client's request who owns the electronic account.
• Smart payment bracelet: A prepaid Mastercard issued by the Jordan Kuwait Bank, operating with contactless payment technology, consisting of a smart payment chip placed in a dedicated bracelet, enabling the wearer to make contactless Tap and Go payments on point-of-sale devices and ATMs that support the Contactless feature, without the need to sign a receipt or enter a personal identification number, within the limits set by the bank.
• Tokenization payment service: A remote payment feature using the electronic account balance through a mobile phone on point-of-sale devices or ATMs that support Contactless remote payment.
• Contactless payment service through the card: Contactless payment technology enables cardholders to make cash withdrawals and purchases securely and quickly through daily Point of Sale (POS) terminals. Payment is made by swiping the card on the POS device or ATM (which accept contactless payments), within the standards and limits set by the Central Bank. The maximum limit for a single payment transaction is 100 dinars per day, and the maximum limit for the total daily transactions is 300 dinars without entering a PIN.
• Biometric access service (fingerprint): An optional method for the customer that allows them to access the Eli application using their stored fingerprint or facial image on their mobile phone. It can be modified at any time by the customer and serves as an alternative method for accessing the application instead of using a password and PIN to log in.
• Electronic transfer order: Any order to transfer funds electronically and/or any information and/or any instructions related to it.
• Notification: An informational message issued by the bank and sent to the customer by one of the available electronic methods and/or as the bank deems appropriate.

First: General Terms and Conditions:

1. The client understands that the Jordan Kuwait Bank provides easy and secure technology through the Eli service for creating electronic accounts and issuing prepaid cards in multiple currencies.
2. The client understands that the Eli service includes: Eli application, electronic account, actual and virtual prepaid card, and smart bracelet, and this service will be referred to in the terms and conditions as "the service or product".
3. The client understands that they can download the Eli application from the electronic stores for Android and IOS phones and self-register in the service only once by filling in the "Know Your Customer" data and the national number, which is considered a means of identification to determine the client's identity at the bank. The bank's client can register for the service using their direct debit card number and its secret number. Any transactions executed using this service are considered issued by them, and they forfeit their right to challenge or claim otherwise in the future.
4. To subscribe to the service, the client must have legal capacity and be at least 18 years old.
5. The client understands that the bank has the right to inquire about their data on the civil status system, international sanctions lists, and any other systems related to the client's risk level during the registration process in the service.
6. The client understands that the bank has the right to approve or disapprove the completion of their registration in the service.
7. The client logs into the Eli application using their username and password (which they created when self-registering in the service). They can activate the fingerprint login service if there are stored fingerprints on the mobile phone. The system will automatically request login using the fingerprint. If it matches, the client is allowed to access the application. If it does not match, the system allows the client to enter only three attempts; after that, the service is blocked, and the client must log in using their username and password.
8. The client can log into the Eli application using their username and password at any time, even after activating the fingerprint login feature.
9. The client understands that the service is temporarily suspended if they enter the secret number incorrectly more than three times. The client can reactivate the service by contacting the Direct Call Center at 06-5200999.

Secondly: The electronic account and the prepaid card:

1. The customer understands that the electronic account and the virtual prepaid "basic" card are automatically created upon completion of the registration process in the service.
2. The customer understands that they can only create one electronic account and all prepaid cards (basic and additional, virtual and actual) issued by the customer are linked to the electronic account.
3. The customer understands that the electronic account/card is created in multiple pre-determined currencies by the bank and can be modified from time to time as the bank deems appropriate.
4. The customer understands that the main currency for the electronic account/card is the Jordanian Dinar.
5. The customer understands that they have the freedom to choose the currencies they wish to link to the electronic account as determined by the bank, and they can only top up in Jordanian Dinar and convert to the desired currency. They can also set the withdrawal priority for the currencies as they see fit.
6. The customer understands that they can issue additional MasterCard prepaid cards for first-degree relatives, requiring the customer to enter the information of the person using the additional card. The bank has the right to approve or reject the issuance request within the terms set by the bank.
7. The customer understands that each actual card has a corresponding virtual card and that no more than one actual card can be issued for the same virtual card.
8. The customer understands that they can choose the appropriate branch to receive the actual card and/or the smart bracelet, or request delivery to the registered address through the Aramex delivery service without commission at the moment. The bank has the right to add a commission for the delivery service in the future and display it on the service's website as it deems appropriate.
9. The customer understands that the use of the electronic account/card is valid during the period specified by the bank.
10. The product supports the MasterCard Secure Code system for mail and internet authorization transactions to authenticate purchases via mail and the internet.
11. The customer understands that the bank delivers the prepaid card and/or the bracelet in a tightly sealed envelope, and the customer has the right not to accept it if it has been tampered with. The bank's responsibility for the prepaid card/bracelet is waived once the customer agrees and signs for the receipt.
12. The customer understands that the PIN is created when the virtual card is created through the application, so the PIN includes both the virtual and actual cards.
13. The customer with the electronic account understands that they alone bear the responsibility for all purchase transactions made through the additional cards.
14. The bank has the right to cancel the electronic account/prepaid card at any time (suspected forgery/circulated/noticing suspicious transactions/repeated occurrences of rejected transactions, whether ATM withdrawals, in-store or online purchases), and replace them with a new electronic account/new card.

Thirdly: Dormant accounts:

1. The customer understands that the electronic account is considered dormant if 365 days have passed since the last financial transaction was made through the electronic account/card/bracelet, and the bank has the right to consider the electronic account closed if 365 days have passed since the last financial transaction was made through the electronic account/card/bracelet and the balance is "zero". The bank will notify the customer of the freezing or closure date of the electronic account via SMS one month before the freezing or closure date and at the time of freezing or closure.
2. The customer understands that they cannot use the electronic account/Eli or the prepaid cards linked to the electronic account Eli if the electronic account is dormant and must reactivate it by following the registration steps in the service.

Fourthly: Notifications:

1. The customer understands that they can link only one phone number at the electronic account level, and the bank sending SMS messages containing electronic account/card information to the customer's registered mobile phone number at the time of creating the electronic account is considered evidence of the customer's agreement to the accuracy of this information. Otherwise, the customer must immediately notify the bank if the information is incorrect.
2. The customer understands that the bank sends short text messages to the registered phone number on the application (as registered by the customer) containing details of the financial transactions made through the electronic account/customer's card, such as: (transaction value, balance after transaction, nature of the transaction, fees incurred by the transaction), in addition to any other information related to the services and products offered by the bank, and any information related to the electronic account details such as the expiration of the electronic account/card, freezing, activation or closure of the electronic account, etc. The "customer" is considered the recipient of each message the "bank" sends to them.
3. The customer understands that the bank's sending of SMS messages containing transactions made on the electronic account/card to the customer's registered mobile phone number is considered evidence of the validity of these transactions. Otherwise, the customer must immediately notify the bank in case the transaction is incorrect, with the customer's commitment to submit a written objection within a maximum of 14 days from the date of receiving the message. After this period, no objection received from the customer will be considered valid.

Fifth: Financial Transactions:

1. All transactions made through the Eli application and electronic account are considered a written authorization by the customer for the bank in this regard.
2. The bank's restrictions and records are considered conclusive and binding for the customer to determine the amounts withdrawn or deposited.
3. The customer understands that all withdrawals on the card/bracelet are directly recorded on the electronic account balance.
4. The customer understands that they can transfer from and to a Dinar account only and pay in the currency they desire.
5. The customer agrees to bear all financial transactions made on the card in any foreign currency or Jordanian Dinar, in addition to any fees, commissions, or exchange rate differences according to the exchange rate on that day.
6. The customer authorizes the bank to record all amounts withdrawn by the card through ATMs, POS points, or the internet, in addition to any fees or expenses that may result from issuing or using them, even if this requires currency conversion (if the customer pays using a different currency than the country's currency) according to the prevailing exchange rate on the date of the transfer.
7. The customer knows that they can conduct banking transactions using one of the following methods: remote payment, online shopping, locally, internationally, withdrawing through ATMs, transferring between Eli accounts, shopping through POS points, adding available currencies, and paying in the chosen currency.
8. The customer acknowledges that the bank is not responsible for any financial loss resulting from entering the beneficiary's data incorrectly or from transferring any amount from their electronic account by mistake to another customer's account through this service or if the customer is provided with transfer information resulting from a fraudulent operation or any fraudulent operation the customer may be exposed to through services that allow transferring to another party. The customer alone bears the consequences of these errors and exempts the bank from any liability that may arise.
9. The bank, at its sole discretion, reserves the right to refuse to allow any transaction if there is suspicion of a breach of the terms of use, fraud, or illegal activity.
10. The customer acknowledges that if it is found that the bank has not executed any operation for any reason, the bank shall not be held responsible for any loss resulting from the non-execution of this operation, and the customer waives their right to any claim, whatever its type, cause, and origin.
11. The customer understands that the transfer process is only carried out in the currency with sufficient balance and within the maximum daily limits set by the bank. The bank is not obliged to execute the transfer process if the balance is insufficient or unavailable. The bank automatically executes the transfer process at the same moment if the balance is available, and the customer is responsible for any errors in the concepts provided to the bank.
12. The client agrees that all transactions made or to be made through the use of the Eli application are the responsibility of the client and have the same validity as the bank's books and records. The client undertakes not to challenge, object to, or protest their issuance and absolves the bank of any responsibility for any transactions carried out through the Eli service, regardless of their type, cause, or origin.
13. The client understands that the bank is not responsible for any payments made by the client for bills, transactions, receipts, or transfers through this service, and/or for entering any incorrect numbers or data related to them, without the need to issue any notices about the executed transactions.
14. The client understands that using the money transfer service to another beneficiary requires entering a second password or fingerprint, and if entered incorrectly more than the allowed limit, the money transfer service will be suspended. The client can reactivate it by calling the direct contact center at 06-5200999 or resetting it by selecting "Forget Password" on the Eli app login page and entering their national number.
15. The use of prepaid cards is prohibited in countries subject to international sanctions, on websites with inappropriate content that may harm the bank's reputation, and with virtual currencies.
16. For purchases at stores using Point of Sale (POS) devices, the client is asked to enter their Personal Identification Number (PIN) for contact transactions. For contactless transactions, the client is not required to enter their PIN, in accordance with the standards and controls for contactless transactions issued by the Central Bank of Jordan.
17. For cash withdrawals from ATMs locally and internationally, the client is asked to enter their Personal Identification Number (PIN) for contact transactions. The client can also make cash withdrawals using the prepaid card at ATMs that support contactless transactions, provided they enter their PIN and within the limits set by the bank.
18. The client understands that they can manage the limits of contactless transactions within the limits set by the Central Bank of Jordan.

Sixth: Client Obligations:

1. The client understands that in case of loss/damage/theft of their device with the Eli application, they must immediately inform the bank to stop all transactions of the electronic account/card through their mobile phone. The client bears all fees, costs, losses, and damages resulting from the use of the device before reporting fraud, loss, or theft and requesting to block the card.
2. The account holder must take full care to ensure the security of the card/bracelet and maintain the confidentiality of the secret number and not disclose any of their records. They should keep the secret number completely separate from the card and not disclose the card/bracelet number to others. The bank is not responsible for the client's disclosure of application information and their card/bracelet to third parties.
3. The client understands that the bank is not responsible for any malfunction or poor performance of ATMs belonging to other banks, regardless of the extent of its impact on the use of the product.
4. The client alone undertakes full responsibility for maintaining the confidentiality of all information related to the product, and adhering to payment and money transfer instructions, and any other information that can be accessed, transferred, and stored. The client alone is fully responsible for any actions arising from their use and/or unauthorized use by others and/or misuse by any party, resulting in direct or indirect loss or damage to the client or the bank.
5. The client irrevocably undertakes that the use of the service will be free from suspicion and any money laundering or financing of terrorist operations, regardless of their type, form, or cover. The client also irrevocably acknowledges that if it is suspected that any of the above operations or any operation that violates applicable laws and regulations is carried out on the electronic account/card, the bank is fully authorized, without referring to the client, to suspend the service and cards, freeze limits and the electronic account, stop any ongoing operations, and inform all supervisory, security, and other relevant official authorities.
6. The client alone bears full responsibility for protecting their cards, electronic account transactions, and any other information on their device in case of loss or sale of the device to any party or another person.
7. The client must cooperate with the bank in all investigations related to anti-fraud or other matters as requested by the bank.
8. The client agrees not to use the service for any illegal purpose, including purchasing goods or services prohibited by enforceable laws. The bank reserves the right to refuse any transactions from merchants that are prohibited by law.
9. The client undertakes to immediately inform the bank of the possibility of unauthorized access to their electronic account and agrees to be responsible for all operations and amounts transferred as a result until the end of the business day when the bank receives written notice from the client. The client also authorizes the bank irrevocably to take any actions it deems appropriate, including stopping or not executing the service or operations, without the bank bearing any responsibility as a result.
10. In case of loss or theft of the mobile phone, card, or smart bracelet, the client is responsible for all transactions made/being made using their contactless card up to the date of informing the bank about the loss or theft of the prepaid card. The bank is not responsible for any movement made using the service before the reporting date.
11. The client understands that they alone bear responsibility for the deductions from their electronic account/card balance when using this service, in addition to bearing responsibility for any incorrect transfer of any amount to any other client. The client absolves the bank of any responsibility that may arise from any errors or damages, losses, costs, or expenses that the client may incur as a result of violating any of these conditions and bears all compensations, costs, claims, and damages that may affect the bank as a result of violating any of these conditions by the client.
12. The client acknowledges their full responsibility for providing, maintaining, and ensuring the safety of their smartphone, and fully acknowledges that the bank bears no responsibility for any defect in the devices used by the client, or in the case of the client using any other devices that may expose the security and effectiveness of the service to risk, or any viruses present on the client's personal smartphone, which may disclose important client data. The client undertakes to bear all the consequences resulting from that individually.

Seventh: Objections:

1. Accepted objections: The financial transaction submitted for objection must have been carried out using the product and there must be a valid reason for the objection, such as duplicate or incorrect transactions.
2. Reporting period for objections: The client must report the objection within a specified time period not exceeding 24 hours from the date of the financial transaction.
3. Required documents: The client must provide the bank with the necessary documents to support the objection, such as invoices, receipts, or any other document confirming that the transaction is incorrect.
4. Legal actions: If the objection is illegal or violates the terms and conditions, the bank has the right to take legal actions against the client.
5. Objection to amounts: The client can only object to amounts deducted from their electronic account, not to any additional fees or other costs associated with the financial transaction.
6. Commissions: The client understands that the cost of objecting to financial transactions is five (5) dinars per case, deducted from the electronic account balance, and refunded if the objection is proven valid. The objection request is considered a prior authorization from the account holder for the service provider to collect objection fees from the electronic account. The objector must also provide the objection fee in the wallet; otherwise, the objection request is not considered valid.
7. The client is not entitled to claim a refund to the electronic account for a financial transaction in the transaction statement on the grounds of not having carried it out unless proven valid. In this case, this amount will only be recorded after it has been effectively collected from the cardholder's bank and recorded with the bank. The client must contact the bank with this claim within 14 days from the date of the transaction, and the bank will charge fees for its services or for paying any amounts resulting from this claim to the collecting bank or any other party.
8. The client is aware that the bank is not responsible for any disputes or disagreements that may occur between the client and the merchant when conducting the purchase transaction.

Eighth: Fingerprint feature:

1. The client acknowledges that the activation procedures for the Eli service, which enabled them to access transactions through this feature, are considered as an electronic signature as defined in the Electronic Transactions Law and Data Law, and are considered the entrance for any operation or service requested as if they have signed each of them.
2. The client understands that the access to the Eli application via the fingerprint feature is secure as long as the client maintains their smartphone and prevents any other person or user from storing any fingerprints on the client's smartphone, which is the client's sole responsibility.
3. The client acknowledges their awareness that the bank does not retain the fingerprint model stored on their phone, and as a result, the mere execution of any transaction provided by the bank through this service is conclusive and decisive evidence of the validity of that transaction without the need to provide any other technical evidence.
4. If the client allows storing another user's fingerprint, this user is considered an authorized agent for the client.
5. Maintaining the phone and the fingerprints stored on it is the responsibility of the client, and any operation the bank performs through this feature is considered an instruction issued by the client as if it was executed using passwords and secret numbers, and as if it were the client's own signature, regardless of the fingerprint stored on the client's phone and whether it belongs to them or if they allowed any other user to store a fingerprint on their phone.
6. The client commits to informing the bank immediately and without any delay about the possibility of any other person or user storing their fingerprint on the client's mobile phone and bears the sole responsibility for any transactions carried out through another user.

Ninth: Fees and commissions:

1. The client understands that the product is subject to ceilings/fees/commissions determined by the bank, and they have no right to object to these ceilings/fees/commissions. These ceilings, commissions, and fees are predetermined by the bank and are announced on the Eli Website and are subject to change from time to time as the bank deems appropriate. The product may only be used within the limits set by the bank, and the client has no right to object to them.
2. The client understands that the bank has the right to charge any fees and/or commissions related to the electronic account, the card, and/or the payment bracelet from their wallet balance according to what is announced on the Eli Website.
3. The client understands that the bank publishes fees and commissions on the service's website.
4. The client understands that they have no right to claim a refund of any commissions or fees resulting from their use of the product.
5. The client understands that the bank has the right, at any time it deems appropriate, to collect/increase any fees, commissions, expenses, other charges, or all of them in return for providing the service.
6. The client understands that any modifications or changes to the commissions and fees will be announced through text messages or on the Eli Website 15 days before the modification date.
7. The bank has the right to charge any fees and/or commissions resulting from all domestic and international withdrawals, including any currency differences due to using the card abroad, and to debit the equivalent value of these amounts according to the exchange rates applied by Mastercard.
8. The bank has the right to review all money transfer fees from time to time and notify the client accordingly.
9. Payment transactions using Eli cards are subject to the fees and commissions determined and published on the Eli Website (if any).
10. The client bears, without any responsibility, all the commissions and fees imposed by service providers when making payments or purchases through them, such as purchasing through online stores or withdrawals from other banks' ATMs, etc.
11. The client understands that they agree to the daily/weekly/monthly/annual limits for financial transactions and top-ups as determined by the bank or as amended without the need for prior notice.
12. The client understands that they can top up their electronic account balance within the ceilings and fees predetermined by the bank, and these ceilings are subject to change from time to time as the bank deems appropriate.
13. The client understands that they can manage the ceilings of all cards as they see fit within the limits set by the bank in advance.
14. The client understands that the bank charges a commission of 1 dinar monthly on dormant accounts and a commission of 1 dinar on expired cards, but does not charge any commissions on closed wallets.

Tenth: General Provisions:

1. The bank shall publish the detailed instructions for the product on the "Eli Website" on the Internet, or the user guide for the service, or any other method deemed appropriate by the bank. The customer is committed to following these instructions accurately when using the service and acknowledges that they have reviewed and understood the service's mechanism.
2. The customer acknowledges that the bank has the right at any time it deems appropriate to apply protection measures and any other procedures, including the "necessary professional care" measures, for the purpose of verifying the identity of any of the parties involved in the financial transaction, the purpose of the financial transaction, or the relationship between the customer and the beneficiary.
3. The customer understands that the bank has the absolute freedom to renew/modify/cancel the limits set by the bank for executed financial transactions in terms of number and/or value through any of these services, provided that the customer is notified within a period of (14) days from the date of this modification, and in the manner deemed appropriate by the bank, unless the modification is temporary and is deemed necessary for the security and safety of the customer's electronic account with the bank and/or the security and safety of the electronic transfer.
4. The customer is responsible for directly informing the bank about any inquiries and/or suggestions and/or complaints by calling the complaints number 065629404 or the toll-free number 080022200 or communicating with the direct contact center at the number 065200999 or the toll-free number 080022066, or by calling the financial consumer protection number at the Central Bank of Jordan at the number 064630301 or on the website shorturl.at/ikr08.
5. The provisions contained in the General and Special Terms and Conditions Guide for dealing with bank accounts and electronic services and any subsequent amendments shall apply to the relationship between the bank and the customer, provided that they do not conflict with these terms.
6. The customer acknowledges that they do not own any intellectual property rights in any of the programs, screens, or documents provided by the bank to the customer, and/or those that the bank updates and/or modifies. The customer will not copy, modify any of those programs, screens, or documents provided by the bank, or upload or transfer electronic banking services programs from any computer or phone.
7. The customer agrees to apply the provisions of the Electronic Transactions Law and any instructions issued or to be issued under it to this application and commits to their content. The customer also agrees to all instructions that the bank may issue regarding the Eli product from time to time and/or regulating the terms of accounts with the bank.
8. The bank has the right to cancel the customer's subscription to the Eli service if the bank becomes aware of and/or is informed of the issuance of a reservation or execution order on any of the customer's accounts if the customer is a client of the bank or one of the competing banks, or if the bank becomes aware of and/or is informed of the issuance of a judgment against the customer declaring bankruptcy, stopping payment, or being unable to pay.
9. The client acknowledges that in the event of the death of the electronic account holder, the service is suspended and transferred to the legal heirs according to the procedures applied in the bank. The bank has the right to cancel the client's subscription to the Eli service and stop all their cards and financial transactions made through the service in case of death.
10. The client understands that the bank has the right to make any modification and/or change and/or substitution to any of the terms and conditions of the service at any time it deems appropriate, so that the amended terms and conditions are displayed when entering the application and the client's agreement is required to benefit from the services provided through the application. The bank also has the right to add new services or change the software used in the provided service, and the client is considered to have agreed to it if they use it.
11. The client understands that although the bank uses all possible protection measures, the bank is not responsible for any damages that may be caused to the client as a result of the opening of the public communication network, especially the Internet, and/or any other entities engaged in these activities for reasons beyond the bank's control and the risks that may arise from them. The client alone bears all these risks that may arise in such cases.
12. The bank has the right to provide security or regulatory authorities with any information requested regarding your dealings with the bank according to the provisions of the law.
13. The client acknowledges that the bank has the right at any time and without stating reasons and without the need to inform the client to block the Eli application service for the client, and they have no right to object.
14. The client agrees that the bank can inquire about all their data and verify it with the Civil Status Department and/or Passports and/or any other authorized institution/company, and the bank has the right to access and provide any licensed inquiry company with any information related to the client. In general, this declaration/agreement extends throughout the contract and dealing period with the bank, and the client agrees to pay any commissions determined in this regard and/or charge their electronic account or take its value in advance without objection. The client also acknowledges, with all practical and legal guarantees, that their electronic agreement to these terms is binding on them, issued by them, and conclusive evidence against them, and that all transactions and contracts executed are valid and binding on them. The client also waives their right to adhere to any formal or substantive defense or to plead non-acceptance and/or fulfillment regarding the matters contained in this document and related and arising matters.
15. The client bears responsibility for their use of any software or devices that may expose the security and effectiveness of the service and disclose client information. The client bears all the consequences resulting from this and releases the bank from any responsibility in this regard.
16. The client hereby releases the bank from any responsibility or damage that may be caused to them or any person as a result of their non-compliance with any of the terms and conditions and instructions issued by the Jordan Kuwait Bank or as a result of misuse of the service by the client and/or by others, regardless of their capacity. The client must compensate the bank for any damages, whether material or related to reputation.
17. The client accepts and acknowledges that it is their responsibility to read the updated terms of use on the Eli Website service site, and they have no right to file any claim against the bank due to the non-sending of notifications of changes made to the terms of use by the bank. It should be noted that the updated terms and conditions are displayed when entering the Eli application and agreement is required to benefit from the application services.
18. These provisions and conditions and any modifications thereto shall remain in force and binding on the client throughout their subscription to the service and until the payment of any outstanding balance owed by them, without prejudice to the bank's right at any time to terminate the subscription to this service without the need to state reasons or provide prior notice.
19. The client acknowledges that all types of electronic transactions related to this contract are valid and acceptable as evidence against them and cannot be revoked or challenged by them in the future, including all transactions mentioned in the Electronic Transactions Law and any amendments thereto.
20. The terms of use are governed by the laws of the Hashemite Kingdom of Jordan and are subject to the jurisdiction of the competent courts in the Hashemite Kingdom of Jordan to consider any matters related thereto. The bank may resort to any other courts or judicial jurisdiction.
21. These terms and conditions have been drafted in both Arabic and English languages. In case of any conflict between the Arabic text and the English text, the Arabic text shall prevail.

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