TERMS & CONDITIONS

Trusted Solutions for Secure Global Transactions.

TERMS & CONDITIONS

These Terms and Conditions govern your access to and use of our website and the associated services. By accessing, registering, and utilizing the Service, you agree to adhere to these Terms and Conditions.

Definitions                                           

In these Terms and Conditions, the following terms are defined as follows:

  1. Compliance Officer: Refers to one or more staff members at Almas Jahan Money Services Company. responsible for ensuring compliance with Money Services Regulations issued by the Non-Banking Financial Supervision of Da Afghanistan Bank, the AML-PC Law, and other relevant laws and regulations.
  2. Fees: Indicates the charges applicable to you for the Service, as detailed in the price list published on the website and/or in printed materials, or communicated to you prior to confirmation of a transaction.
  3. FX Rate: Refers to the exchange rate applied when a transaction is paid in one currency and disbursed in another. The FX rate represents the difference between the exchange rate at which we acquire the currency and the rate we provide to you. This rate, communicated in the order confirmation, includes our costs plus a small margin.
  4. Money Services Provider Regulation: Refers to the applicable regulations in Afghanistan that govern and supervise the activities of money services providers in the country.
  5. Prohibited Purpose: Denotes any unlawful objective, regardless of the jurisdiction from which funds are transferred or intended to be received. This includes, but is not limited to, the transfer or receipt of payments for illegal activities, proceeds of crime, or money laundering under the AML-PC Law, as well as any transfers aimed at evading law enforcement seizure or without the owner’s consent.
  6. Recipient: Refers to the individual who receives funds through the Service.
  7. Reference Number: A unique transaction number assigned to you, which the recipient must provide to our partners to receive the transferred amount.
  8. Sender: Refers to the individual who initiates a money transfer through the Service.
  9. Transaction: Refers to any money transfer you initiate using the Service, as well as any other utilization of the Service.

In these Terms and Conditions, the following terms are defined as follows:

INFORMATION PROVIDED AFTER WE PROCESS A TRANSACTION

Upon completion of your transaction to the Recipient, you will receive an email or text containing the following information:

A. Transaction Reference Number: A unique identifier for your transaction.
B. Amount Confirmation: The exact amount being sent to the Recipient on your behalf, presented in both the pay-in and pay-out currencies.
C. Fee Confirmation: A detailed confirmation of the fee charged for the transaction.
D. Exchange Rate: The exchange rate applied to your transaction.

CONFIDENTIALITY AND PRIVACY

  1. As a fully regulated institution, we are obligated under the Money Services Provider Regulation (مقرره تنظیم فعالیت های صرافان و فراهم کننده ګان خدمات پولی) to obtain, verify, and record information about our customers. Consequently, we may request your personal data when providing our services.
  2. Your personal information will be handled and processed securely, in strict accordance with applicable laws and regulations.
  3. We do not consider customer information confidential if it is already public knowledge or becomes public knowledge through no fault of our own.
  4. We may disclose customer information if required by law, court order, statutory, legal, or regulatory requirements, or by law enforcement and other competent authorities for the purposes of preventing or detecting crime, as well as combating fraud, money laundering, and terrorism financing. Additionally, we may report suspicious activities to the Financial Transaction Reporting Analysis Center of Afghanistan (FinTRACA).
  5. For further details regarding confidentiality, privacy, and security, please refer to our Privacy Policy.

YOUR RESPONSIBILITIES AND OBLIGATIONS

  1. You may not use the Service unless you are at least 18 years old and possess the legal capacity to enter into binding contracts.
  2. You are required to pay the Fees associated with each Service provided to you.
  3. You shall comply with these Terms and Conditions, as well as with all applicable laws, rules, and regulations.
  4. In relation to your registration and use of the Service, you will:
  • Provide accurate, current, complete, and truthful evidence of your identity, along with any additional information or documentation required to verify your identity.
  • Supply all information and documentation requested to process your transfer and comply with any legal requirements applicable to us or our partners.
  • Update any information you provide to ensure it remains accurate, current, complete, and truthful.
  • Not use the Service for any Prohibited Purpose, nor attempt to tamper with, hack, modify, overload, or otherwise compromise the security or functionality of the Website and/or the Application, or introduce any Malicious Code.
  • Keep your Reference Number secure and refrain from sharing it or any transaction details with anyone except the Recipient.
  • Use the Service solely to send money to individuals you know personally or to pay for goods and services from suppliers with whom you have sufficient knowledge and whose identities you have verified. You acknowledge that we have no control over the suppliers or the goods and services for which you use our Services, and we assume no responsibility for the quality, safety, legality, or delivery of such goods or services.
  1. You understand and accept that:
  2. We are legally obligated to retain information about our users and the transactions we process for a period of up to five years, or as required by applicable law or regulatory authorities.
  3. All currency conversions as part of the Service will be conducted using our published exchange rate, as displayed on the Website or communicated to you prior to confirmation.
  4. We reserve the right to adjust the FX rate when markets are closed (such as on weekends or bank holidays) to mitigate potential losses from currency fluctuations and ensure customer payouts. The offered rate will be displayed on the homepage, with the final rate confirmed on the checkout page.
  5. You will be liable for any losses incurred by us due to fraud or fraudulent activity on your part.
  6. You must contact us immediately via phone or email if you believe or suspect that a funds transfer was not executed properly, or if the amount has not been fully received.
  7. It is your responsibility to inform the Recipient of the necessary information required to collect the money transferred through the Service, including photographic identification, the exact amount of the transaction, and the Reference Number.

CANCELLATIONS AND REFUNDS

  1. You have the right to cancel an order before payment has been made to the Recipient. To exercise this right, you may:
  2. Call us at +93 781 834 073.
  3. Email us at info@almasjahan.com.
  4. If you wish to cancel an order after you have already paid us the funds to be transferred:
  5. We will refund the amount paid by you for the Recipient only if the funds have not already been disbursed in accordance with your original instructions prior to your cancellation request.
  6. We reserve the right to retain the Fees charged for the Service, and we may charge you for these Fees if they have not yet been paid.
  7. If we do not transfer the money to the Recipient in accordance with an order within 45 days after your instructions have been received, and you have correctly followed our procedures and complied with all our policies, you may request a refund of the funds transferred to us for the Recipient.
  8. If the Recipient does not collect the money within 13 months after it becomes available for collection, all rights to cancel the order or request a refund of the transferred funds or Fees shall be deemed waived by you.
  9. Your order will expire after 1 month. If the money has not been collected or if the order requires correction, we reserve the right to cancel your order without prior notice and refund the amount intended for transfer. Please note that the refund will not include the Fees paid for the Service, which will be retained.

FOREIGN CURRENCY PURCHASE & SALE

Important Notice: Currency once bought or sold can only be returned through a new transaction at the prevailing market rate. Please ensure you count your money before leaving the counter and obtain a receipt for your transaction. Neither Almas Jahan Money Services Company nor its employees will be liable for any claims or shortages thereafter. The company reserves the right to recover any amount paid in excess to the customer due to errors or oversights.

COMPLAINTS

A. We value your feedback, as it is essential for improving our services. We have established internal procedures for handling complaints. You may submit a complaint in writing regarding any aspect of the Service by mail or email to the following addresses:

a.  Sarai Shahzada, 2nd Floor, Office No. 108, Kabul, Afghanistan
b.  info@almasjahan.com

B. We will investigate your complaint and make reasonable efforts to provide you with the results of our investigation within 7 working days of receiving your complaint.

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OFFICE LINE

+93 781 834 073

WORKING DAYS

Saturday to Thursday

WORKING HOURS

8:00 am-4:00 pm