Designing a Digital Future.
Email address
info@paynow.ma
Head office Location
Morocco
Our team applies its wide ranging in experience to determining.
By opening and using a PayNow account, you agree to comply with all of the terms and conditions of this user agreement, including the Fee pages, and any upcoming changes described on the Policy Updates page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates).
We offer two types of PayNow accounts: PayNow personal accounts (or “personal accounts”) and PayNow agent accounts (or “business accounts”), both covered by this user agreement.
You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your PayNow account and the PayNow services. You must keep your mailing address, email address and other contact information current in your PayNow account profile.
You can send money to a friend or family member using the send money feature in your PayNow account. You can send money to a friend or family member even if they don’t have an eligible PayNow account at the time you send them money, using their email address or mobile number in any currency that PayNow supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have an eligible PayNow account, they can claim it by opening an eligible PayNow account. If they don’t claim it, it will be refunded to you.
We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases.
When you send money to a friend or family member who has an eligible PayNow account, one of two things may happen: they may accept or decline the money. If they decline to accept the money, the money (including any fees you were charged) will be refunded to:
If the seller you are buying from sells goods or services and that seller does not already have a PayNow account, they can claim your payment by opening a PayNow account. If they don’t open a PayNow account within 30 days, your purchase will be refunded.
You can choose any of the payment methods in your PayNow account as your preferred payment method. You can select a preferred payment method in your account preferences on www.PayNow.com or in the PayNow app. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired.
You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below.
If you have chosen a preferred payment method, it will be shown as the primary method of payment.
If no preferred payment method, it’s still your choice.
The availability of certain payment methods may be limited based on that particular seller or the third-party website you are using to complete the transaction.
If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.
You may close your PayNow account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayNow account even after the PayNow account is closed. When you close your PayNow account, we will cancel any scheduled or incomplete transactions. If you have a Balance Account linked to a personal account, you must withdraw or transfer any funds held in your Balance Account before closing your personal account, and closing a personal account will result in PayNow automatically closing any linked Balance Account.
If you have an agent account, you must withdraw or transfer any balance from your agent account before closing it, and if you have not provided the required identifying information to us, or if we are unable to verify the required identifying information you provide, you must transfer any balance in your agent account to a linked bank account or debit card. You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayNow Digital Gifts and linked to your personal or agent account as payment methods.
In connection with your use of our websites, your PayNow account, the PayNow services, or in the course of your interactions with PayNow, other PayNow customers, or third parties, you must not:
If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayNow, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:
If we close your PayNow account or terminate your use of the PayNow services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Balance Account linked to your personal account or in the balance of your business account, or any money waiting to be claimed through your personal account if you do not have a Balance Account linked to your personal account, available for withdrawal.
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayNow, any PayNow customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayNow services.
The PayNow services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayNow specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.
PayNow does not have any control over the products or services provided by sellers who accept PayNow as a payment method, and PayNow cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayNow does not guarantee continuous, uninterrupted or secure access to any part of the PayNow services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayNow services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayNow will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayNow makes no representations or warranties regarding the amount of time needed to complete processing because the PayNow services are dependent upon many factors outside of our control, such as delays in the banking system or international mail service.
If you have a dispute with any other PayNow account holder, you release PayNow from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
These terms and conditions shall be governed by and construed in accordance with the laws of the jurisdiction where the app operates.
', "privacy-policy" => 'PayNow respects your privacy and are committed to protecting it through its compliance with its privacy policies. This policy describes: the types of information that PayNow may collect from you when you access or use its websites, applications and other online services (collectively, referred as "Services"); and its practices for collecting, using, maintaining, protecting and disclosing that information.
This policy applies only to the information PayNow collects through its Services, in email, text and other electronic communications sent through or in connection with its Services. This policy DOES NOT apply to information that you provide to, or that is collected by, any third-party, such as partner merchants at which pay through PayNow. PayNow encourages you to consult directly with such third-party merchants about their privacy practices. Please read this policy carefully to understand PayNow's policies and practices regarding your information and how PayNow will treat it. By accessing or using its Services and/or registering/downloading the app for an account with PayNow, you agree to this privacy policy and you are consenting to PayNow's collection, use, disclosure, retention, and protection of your personal information as described here. If you do not provide the information PayNow requires, PayNow may not be able to provide all of its Services to you.
By providing us your Information you hereby consent to the collection, storage, processing, disclosure and/or transfer of any or all of your personal & non-personal Information.
Personal Information : Personal Information is the information that can be associated with a specific person and could be used to identify that specific person whether from that data, or from the data and other information that we have, or is likely to have access to. Your personal information shall include but may not be limited to the following:
Your account information: Your Name, Parent’s Name, Address, telephone number, e-mail address, Date of Birth, Gender, Marital Status and other demographic information.
Any other information provided by you as part of “Know your customer” norms as required under applicable laws.
Information related to transactions processed on PayNow platforms, excluding payment instrument details.
Passwords, Biometric information
Financial information such as Bank account or credit card or debit card or other payment instrument details
Non-Personal Information : We and our Service Providers may collect non-personal data while you access PayNow platforms via url, smartphones or any other mobile devices. This information shall not identify “you” as a person.
Computer and device information: Information about your computer, Internet connection and mobile device, including your IP address, operating systems, platforms, browser type, other browsing information (connection, speed, connection type etc.), device type, device's unique device identifier, mobile network information and the device's telephone number.
Location information: Our applications collect real-time information about the location of your device, as permitted by you.
Mobile device IDs: Unique mobile device identifier (e.g. IDFA or other device IDs on Apple devices like the iPhone and iPad), if you're using our Services on a mobile device, we may use mobile device IDs (the unique identifier assigned to a device by the manufacturer), instead of cookies, to recognize you. We may do this to store your preferences and track your use of our applications. Unlike cookies, mobile device IDs cannot be deleted.
Your activity on the Services: Information about your activity on the Services, such as your search queries, comments, domain names, search results selected, number of clicks, pages viewed and the order of those pages, how long you visited our Services, the date and time you used the Services, error logs, and other similar information.
Your preferences: Your preferences and settings such as time zone and language.
OTP sent to you by your issuer bank or PayNow platforms exclusively to carry out transactions on PayNow platforms.
Your messages on message boards, chats or any other message/feedback areas shared on PayNow Platforms and Social Media.
Information may be collected in various ways and formats during the course of your visit or access to PayNow Platforms by way of -
Visiting PayNow platforms.
Registering on PayNow platforms as an “user” or “merchant” or any other relationship that may be governed by terms and conditions listed on PayNow platforms.
Transacting or attempting to transact on PayNow platforms.
Accessing, links, e-mails, notifications sent or owned by PayNow platforms.
Otherwise dealing with any of the “PayNow Entities”
Any information that we collect from you can be used in the following ways:
Our site is reviewed on a regular basis for security vulnerabilities in order to make your visit to our site as safe as possible. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We do not store credit/debit card information on our systems but with users consent store the information for SCT Cards. We implement a variety of security measures when a user places an order, enters, submits, or accesses their information to maintain the safety of your personal information.
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.
PayNow reserves the right to suspend, block, hold funds and report to the law enforcement authorities in case of suspicious and illegal transactions. You agree that your information (personal, financial and any other transactional information) will be made available to law enforcement authorities. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
The Services may contain links to third-party websites. Your use of these features may result in the collection, processing or sharing of information about you, depending on the feature. Please be aware that we are not responsible for the content or privacy practices of other websites or services which may be linked to our services. We do not endorse or make any representations about third-party websites or services. Our Privacy Policy does not cover the information you choose to provide to or that is collected by these third parties. We strongly encourage you to read such third parties' privacy policies.
A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. PayNow uses cookies to help us identify visitors, their usage of PayNow' website, and their website access preferences. PayNow visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using PayNow' websites, with the drawback that certain features of PayNow' websites may not function properly without the aid of cookies.
The Services are not intended for users under the age of 14, unless permitted under applicable local laws (Permissible Age). We do not knowingly collect any personal information from users or market to or solicit information from anyone under the Permissible Age. If we become aware that a person submitting personal information is under the Permissible Age, we will delete the account and any related information as soon as possible.
Although most changes are likely to be minor, PayNow may change its Privacy Policy from time to time, and in PayNow sole discretion. Any changes or updates will be effective immediately upon posting to this page. You should review this Privacy Policy regularly for changes. Your continued use of this site after any change in this Privacy Policy will constitute your consent to such changes.
By using PayNow and/or by providing your information, you consent to the collection and use of the information you disclose on PayNow in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.