1. About Hubpay
Hubpay Limited is a company incorporated under the laws of the ADGM. We are regulated by the FSRA (registration number 00004051) and licensed for Providing Money Services under category 3c of the ADGM Financial Services and Markets Regulations. Our registered office and contact address is at Office 15-116, WeWork Hub71, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, UAE.
2. Our Terms and Conditions
The terms are available via the Hubpay app and on our website. They are also available on email by contacting customer support. Additional information on how your account works is in our FAQs which is found on our app.
3. Your Account
Your account is an electronic money account which enables you to send and receive electronic payments using a smart mobile phone.
The Account allows you to
send money to your contacts and friends and family
manage your account through the app
3.1 Eligibility to use our Services
you must be 21 years or over to open an account with us
you must be validly resident in the UAE
you must have a UAE registered mobile number beginning +971
you can only open one account with us
you must not use the account for business purposes
you must not let another person or business use your account
you must not use the account to facilitate any activity which is illegal or may be deemed illegal
you must transfer money to your Hubpay account only from your own bank account
you must not sell, transfer, or assign your Hubpay Account (including any associated wallet Balance) to any third party
3.2 When you open an account you agree that:
you will provide us with accurate, current, complete, and true information and any documentation required under these terms
you will keep your information up to date
you will provide evidence of your identity and any additional information or evidence we may require confirming your identity, and information on transaction recipients. By law, we are required to undertake due diligence checks on you and those you transact with, including and not limited to the transaction recipient
with your consent, we may collect, store, and use your location data to verify your residential address in order to comply with applicable regulatory requirements
you will comply with all applicable laws, regulations or ordinances, and orders of governmental authorities, including privacy laws and anti-money laundering laws
you authorise and agree to our verification of any information and/or documentation provided from sources we consider appropriate
from time to time we may ask you to confirm the information we hold and/or provide additional information and documents to help us manage your account.
4. Location Data
Our use of Google Maps API, along with access to your device’s location data, enables us to verify your residential address in UAE. To use this service, you must have location services enabled on your device and grant the Hubpay app access to your device’s location
You agree that the location information you provide to us is accurate and up to date. We rely on this information to verify your residential address, and any inaccuracies may result in delays, errors, or non-compliance with applicable regulatory requirements
We take your privacy seriously and will use your location data solely for the purpose of verifying your address. We will not share your location data with any third parties except as required by law
5. Contact between us
You can contact us through the help button in the app using your mobile phone or using email at email@example.com. Our website address is www.hubpayapp.com. Our communications with you will be through social media, the in-app chat, SMS, email, and by phone where appropriate. We will inform you when there are updates to Hubpay Terms and Conditions and where else we feel appropriate. If you do not check your email and or other methods of communications which we use to contact you, you will miss communication about your transactions and our Services. We cannot be liable for any consequence or loss if you do not check your methods of communication.
6.How to use the Hubpay App
You can download the Hubpay app for free on Android devices from the Google Play Store. You can download the Hubpay app for free on Apple devices using the iOS App Store.
To open your Account, follow the on-screen instructions in the Hubpay app and upload the information requested when signing up.
Each time there is a payment in or out of your account you will receive notification to your mobile phone. All historic transactions will be visible in the app.
6.1 Adding money to your Hubpay Wallet
You have several options for funding your Hubpay wallet:
i. Link your bank account, debit card, or salary card to your wallet for a secure deposit
ii. Make a direct ‘Bank Transfer’ from your bank account to Hubpay’s bank account, reflecting in the Hubpay app
iii. Contact us to add money to your wallet via a secure payment link.
We do not guarantee the availability of any particular funding method, and we may alter the availability of one or more methods at any time.
Adding funds will be subject to the payment limits outlined below:
i. The maximum amount you can fund to your Hubpay wallet in a single payment is subject to a maximum limit. Transaction limits are shown clearly in the app when initiating a transaction. If a transaction exceeds this single transaction limit it will be declined.
ii. The maximum amount you can fund to your Hubpay wallet in any calendar month is shown clearly in the app when initiating a transaction. If your transaction totals exceed this in any given calendar month, the transaction which breaches this limit will be declined along with any subsequent transactions until the next calendar month.
Once you have transferred funds, we will reconcile the transfer and will update your account balance once the funds have been received by us. Although your funds may be visible in your Account, you will only be able to use them to transact once Hubpay has received the payment. The funds are subject to reversal in case the money does not reach us within a reasonable time. We will advise you of when your funds have been applied to your account by SMS to your mobile phone.
6.2 Sending payments and making withdrawals
You can send money from your account as often as you wish. To make a payment you will need to sign into your Hubpay account. Limits will apply to the amount you can send in a single transaction.
i. The maximum amount you can send in a day is subject to a maximum limit which may vary. Transaction limits are shown clearly in the app when initiating a transaction. If your transaction totals exceed this in any given day, the transaction which breaches this limit will be declined along with any subsequent transactions until the next day.
ii. Depending on the country you are sending a transaction to, there may be a receiving limit set by that country. Hubpay has no control over the country transaction receiving limit.
iii. For any payment, you will need to provide us with the amount you wish to send, the recipient’s full name as per government-issued photo identification, SWIFT/BIC and IBAN details of the recipient. We may require a copy of the recipient’s government-issued identification or additional information that allows us to identify the recipient and undertake checks on the information you have provided. These may cause delays in processing the payment. It is your responsibility to make sure the payment details are correct and complete. Incorrect details might delay your payment or cause it to be rejected. Money sent to a wrong account could be lost. Hubpay does not accept any liability for incorrect details resulting in delayed or lost payments.
iv. Your payment instruction may not be revoked after it has been received by us.
6.3 Timing of payments
i. Hubpay aims to make sure payments arrive at their destination as quickly as possible.
ii. Payments made before 2pm will be executed the same business day.
iii. Payments made after 2pm will be executed the following business day.
iv. Payments made on a day which is not a business day will be deemed to have been received on the following business day
v. We are not responsible for any delays by the receiving party bank in crediting the recipient’s account.
6.4 Information we provide to you when you send money:
i. The amount that you have sent
ii. The amount the recipient will receive
iii. A specific transaction reference number
iv. The date of the payment and the date the money is accessible by you
v. The charges payable for the transaction
vi. The exchange rate that we will apply to your Transaction
vii. In the instance you have chosen cash collection as the method of delivery, we will provide the location of where the recipient will be able to collect their funds and the documentation the recipient will need to provide at the agent collection point.
viii. An estimation of time it will take for the funds to be made available to the Recipient
ix. The date and time of the transaction
6.5 Incorrect or misdirected payments
In the instance where you provide us with incorrect details, we will make reasonable efforts to assist you in getting your money back. We may charge you for our efforts in the recovery. If we are unable to recover the money, and if you request us, we will provide you with the relevant information in order for you to reclaim payment of the money. You will not be able to claim a refund from us when you give us incorrect instructions or we can show that the bank we sent your payment to has received funds, or you failed to keep your account security details safe, or you acted fraudulently. You must notify us without undue delay if you have made an incorrect or misdirected payment. You can contact us at firstname.lastname@example.org with your Transaction reference number and query.
If an incorrect payment is made on your account as a result of our error, we shall refund the payment and any related fees. Where a payment is delayed, we will request the bank receiving the payment to value date the payment no later than the date that charge would have applied had it been made correctly.
If any payment is paid into your account in error, you authorise us to debit your account by the amount of the payment.
6.6 Holding funds on your wallet
We will refund amounts directly to the account which you have registered with us and funded your wallet from. We will refund amounts on a first-in-first-out basis, meaning that any residual balance from your oldest wallet funding transaction will be repaid first.
Requesting a refund from your Hubpay wallet to your bank account will incur a processing fee of 50 AED. Refund requests may take up to 5 business days to complete.
If any fraudulent or unauthorised payment is made from your account, we shall refund the amount unless the exceptions below apply. Where we are liable for unauthorised payments arising from loss or theft, we may require you to pay up to $50 of any such loss
Refunds shall not apply, and we will not be liable for any losses in respect of unauthorised payments:
i. if you have acted fraudulently, or
ii. with intent or gross negligence, you compromised your account security details or failed to adhere to the security obligations in this Agreement
iii. if you fail to notify us without undue delay, of the loss or misuse of your password or other security protections that could compromise the security of your account, or
iv. if you fail to notify us without undue delay that an unauthorised transaction was made or security on your account was compromised or your security details stolen
v. if you fail to dispute the transaction within 12 months of the date of the transaction.
6.8 Payments refused, stopped, or delayed
We reserve the right to refuse to make a payment, stop a payment, or delay a payment if:
i. we believe that processing your instruction would breach these terms or you have not provided the accurate and complete information we need to make the payment properly;
ii. we suspect your account and/or the payment is exposed to unauthorised or fraudulent use or your security has been breached or compromised
iii. the amount is in excess of any transaction limit that applies to your account
iv. legal or regulatory requirements prevent us from making the payment or mean that we need to carry out further checks
v. a bankruptcy order is made against you or you have entered into an individual voluntary arrangement with your creditors;
vi. we are prevented from making the payment due to any Force Majeure Event
vii. a third party prevents us from making the payment
viii. we have asked you for important information we reasonably need, and you have not given us that
ix. we have suspended your account
x. you are in breach of these terms
We will contact you through the Hubpay app, email, or secure method of communication in the event of a refused, stopped, or delayed payment (and seek to resolve the position, unless prevented by law or regulations).
i. If you use a debit card or salary card to top-up your Hubpay wallet and you would like to dispute a particular transaction, you agree to contact us before placing a Chargeback request with your issuing bank so that we can investigate the issue and resolve the issue amicably
ii. If we receive a Chargeback request from our payment processor, we reserve the right to restrict access to your account, suspend your account and/or place a temporary hold on the funds available in your wallet until the completion of the Chargeback investigation or resolution of a pending dispute. The same will apply if your issuing bank initiates a Chargeback request without your knowledge
iii. If we suffer a loss as a result of the Chargeback request, you agree to reimburse us the amount before we remove any limits imposed on the usage of your account
iv. If the amount you owe us exceeds the balance in your Hubpay wallet, we may charge or debit the funding instrument linked to your wallet, to recover the outstanding dues
8. Closing your account
You may close your account and terminate the Agreement at any time through the app or by contacting customer support. You can elect to withdraw any balance on your Hubpay account to your identified bank account, or we will send any money from your Hubpay account to your bank account automatically. We will not charge you if you decide to close your account.
We may, at any time, close, terminate or suspend your account or stop you using the app immediately if:
i. we have reason to believe that you are acting fraudulently;
ii. you have not given us the information we need, or we have good reason to believe that information you have provided is incorrect or false;
iii. you have failed to successfully pass our customer KYC due diligence and sanction checks;
iv. You have provided us with false evidence of your identity, or you keep failing in providing us with true, accurate, current, and complete evidence of your identity or details regarding transactions or transaction recipients
v. if you have broken these terms and conditions in a serious or persistent way, and you have not put the matter right within a reasonable time of us asking you to;
vi. you have broken or attempted to break, any law or regulation which is applicable to your account
vii. we have reason to believe you are engaged in fraudulent or criminal activity, money laundering or terrorism financing
viii. we have reason to believe that you tampered with or interfered with the security of our app, website or
ix. If we believe your account is exposed to unauthorised use, or fraud or your security has been breached or compromised
x. if we have good reason to believe that you continuing to use your account could damage our reputation or goodwill or cause us to be in breach of any applicable law or regulation
xi. you have been declared bankrupt;
xii. we are obliged to do so under any law, regulation, court order
xiii. you are in breach of this Agreement
If your account is suspended, we will use reasonable endeavours to notify you as soon as reasonably possible (unless we are prevented by applicable law or regulations), but we reserve the right not to do so.
9. Fees and charges
A. Our fees and charges will be clearly set out at the point of making an international payment in the Hubpay app. Where we execute an international payment at your request, the cost to you will be made up of a foreign exchange rate and, where it applies, a transaction fee. You will be able to see the total cost (exchange rate plus any applicable transaction fee) in the Hubpay app when you make the payment.
Our exchange rates are based on foreign exchange market rates and a FX spread or margin may apply. Our rates are variable and may change from time to time based on changes in the foreign exchange markets.
We reserve the right to make changes to our rate of exchange or FX spread at any time without providing notice. We reserve the right to change the FX Spread when the markets are closed (weekends, public holidays) to prevent losses arising from currency market changes.
Other Charges and fees
Some charges apply to the use of our Services and these are shown in the Schedule of Charges on our website. The charges may change, subject to our Terms and Conditions. For example, we may charge you for amendments to transactions you have requested.
B. Hubpay is not liable for the following charges which may be incurred:
i. If your bank charges you for sending money to your Hubpay wallet.
ii. If the recipient’s bank charges them for receiving money to their account.
iii. If your bank charges you for inward remittance to your bank account
iv. If your card issuer charges you for sending money to your Hubpay wallet.
C. Payment Links for salary cards do not carry any charges or fees. Fees for Payment Link services for debit cards are detailed below:
2.25% debit card processing fee
AED 2.30 flat fee
5% VAT on the calculated fee amount above
Hubpay accepts only debit cards and salary cards in the Payment Link feature. Usage of credit cards is not permitted on our platform. If you attempt to use your credit card to top up your Hubpay wallet, a standard refund fee of AED 100 or 2.5%, whichever is higher (excluding VAT) will be charged before we refund the money back to your credit card.
10. Personal Data
As a regulated financial institution, we require information from you to open and maintain your account and to meet our legal and regulatory requirements. By entering into the Agreement, you are giving us permission to process and retain your personal information for the purpose of providing payment services to you. This does not affect any rights and obligations you or we have under data protection legislation.
10.1 How we use your personal data
10.2 Keep us up to date
Any changes to the information you give us should be updated on the app to keep it accurate and current. From time to time we may ask you to confirm the information we hold about you or provide updated verification documents.
11. Complaints and Feedback
We aim to provide the best service to you as our customer and learn about your experience with Hubpay. If you have a complaint or any feedback about your experience using Hubpay, you can reach us through the Hubpay app or email us at email@example.com. We will do our best to respond back to you and resolve any complaints as quickly as possible, and in any event within 15 business days from the date your complaint was properly filed with us. Details of our complaint resolution procedures are available on our website and documented in this Agreement.
12. Your account security
You are responsible for the security of your personal details. You must take all necessary precautions to prevent any unauthorised access to your account. You must keep your account safe at all times by:
not sharing your security details (e.g. login codes, passwords) with anyone
changing your password regularly
use a passcode that is different from any other accounts
adhere to the authentication process
keep your mobile device and your email secure
close the app on your device when not in use
You must notify us immediately of the loss, theft or unauthorised use of your password or other security protections that could compromise the security of your account and notify us when you become aware that an unauthorised transaction was made or security on your account was compromised or your security details stolen. You can contact us by emailing firstname.lastname@example.org.
Hubpay will never ask you to provide your password. If we find security issues on your account, we will contact you (see above on how we will do this). You should always download software updates on your mobile device and any updates to our App via the App Store and/or Google Play.
We endeavour to ensure our Services are always available and interruptions do not occur. However, we cannot guarantee that this may happen on occasions, and we will not be liable to you if this occurs.
14. Intellectual Property
Our Intellectual Property rights include, but are not limited to, our app and website and their design, our logo, and graphics. You must not:
alter, sell, publish, or reproduce any part of our app or website, or any of its contents;
try to gain unauthorised access to our app or website, or any server, computer, or database connected to our website;
reverse engineer any of our services
link any part of our website to any other website, or frame any part of our website on any other website;
engage in any data mining, data extracting, or any similar activity, in relation to our app or website;
upload any illegal or defamatory content to our website, or introduce viruses, or any other harmful code.
15. Links to other people’s sites
Our website may include links to websites we do not operate or control. These links are for your convenience and for information only. We do not endorse these linked websites and have no responsibility for the content on them and when you access these links you do so at your own risk.
16. Changes to this agreement
From time to time we may require to change these terms. Changes to our terms may be made to:
improve our services or the introduction of new services
changes in technology
changes in our legal and regulatory requirements.
changes in how we run our business
We shall give prior notice of any changes to these terms on the app or our website. Proposed changes will be notified no later than two months before the date on which they are to take effect. Continued use of your account or access to our website after the date on which the changes come into effect will be deemed acceptance of the changes. If you do not wish to accept the changes, you can notify us, and we will close your account without charge Changes to exchange rates may be applied without notice.
17. Our Responsibility
We are not responsible for unforeseeable losses or events outside of our control
We are not liable for any loss or damage caused by a computer virus or other technological attacks that may infect your device.
We are not responsible for the content or use of third-party websites that are linked to our website.
Where it is unlawful to do so, we do not exclude or limit our liability to you, e.g. liability for death or personal injury caused by our negligence, or for our fraud or gross negligence
We provide our website to you “as is” and you use it at your own risk. As such, we are not responsible to you or any third party for any loss or damage arising from your use of our website, your breach of this Agreement or any of its terms or any other applicable terms and conditions, or the negligence, acts or omissions of us, our employees, agents or sub-contractors.
We will not be responsible to you for loss of profits, loss of operations, loss of data, loss of contracts, loss of anticipated savings or benefits, loss of market shares, loss of goodwill or increased costs or expenses arising from your use of the Hubpay app or website or any third party services provided through our website, including the unavailability of such services.
We shall not be responsible for any failure or delay in performance of any obligations under the Agreement arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, without limitation, where our failure to perform our obligations arise from:
occurrence of or in connection with any Force Majeure Event
the acts, decrees, legislation, regulations, or restrictions imposed by any government or state;
the actions or omissions of any third parties;
malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our control; or
any Malicious Code interfering with the Service (each, a “Force Majeure Event”).
We shall notify you in writing within 10 calendar days of occurrence of any Force Majeure Event and if such event prevents us or makes it impracticable for us to provide Services to you, then we shall have the right to terminate this agreement without any liability to us. This will not have any impact on your right to any money that you hold in your Hubpay account.
From time to time we may launch reward schemes. Details are available on our app and website.
19. Referral Rewards
When you invite your friends to join Hubpay, you’ll receive a credit to your Hubpay wallet for each qualified referral. The amount of the referral credit is shown in the app. Each qualified person you refer will also receive a credit. To be eligible to earn the referral reward, you must be a valid Hubpay customer, and be in full compliance with these Terms & Conditions. The person you refer (“the invitee”) must be eligible for a Hubpay account and not already be a Hubpay customer. They must fulfil the eligibility requirements below:
The invitee must register a Hubpay account using your unique referral code, which is available on your app
They must verify their Emirates ID and pass verification and KYC checks
They must link their bank account to Hubpay and successfully complete their first international transaction
Referral credits are subject to verification and will generally be awarded within 30 days of verification. Hubpay may withhold a credit if it reasonably believes additional verification is required. Hubpay may invalidate any referral reward it deems fraudulent, suspect, or in violation of these Terms.
We may, at our sole discretion, suspend, terminate, or change the terms and requirements of the Referral Program
If the invitee received more than one referral, Hubpay will provide the credit to only the person whose referral code is used as the referral code during registration process
Hubpay reserves the right to vet and approve persons for participation in the Program in its sole and absolute discretion, which persons or entities shall not be eligible to participate in the Program or receive Rewards unless and until they are approved by Hubpay.
Referrer and referred customer must be a legal resident of UAE who (a) are 21 years or older and (b) are a qualified Hubpay customer. Referrers cannot be an employee or contractor to Hubpay. Referrers must have a verified Hubpay account and be in good standing with Hubpay.
The referred customer’s wallet top-up must be via the Hubpay app or direct bank transfer; wallet-to-wallet transfers are not included
20. Add-on Services (the “Applications”)
These services (described as Add-On Services in the App) include the purchase of prepaid mobile and/or data airtime (“Recharge”) and prepaid vouchers (“Vouchers”) (together the “Products”) provided by mobile telephone operators and other third parties through the Hubpay App. The Applications shall only be provided to you in respect of the mobile phone operators and other service providers available on the Applications (which are subject to change and availability).
When using the Applications, it is your responsibility to ensure that you have correctly inputted the information. In particular, the mobile phone number to which any Recharge is to be credited must be correctly identified. All confirmed instructions are final and binding upon you. Hubpay and/or its service providers shall bear no liability or consequences related to the provision of incorrect, inaccurate, or false information by you. You are solely responsible for any consequences related to the failure to provide correct, accurate and true information or the failure to correct such inaccurate information prior to final confirmation.
You acknowledge that the Products have limited validity periods, and these are shown in the product descriptions.
The total amount that you will be required to pay will be displayed clearly on the Applications before you are asked to confirm your transaction and proceeding with the transaction at this point is entirely optional.
In the case of Recharge and Vouchers, the cost will vary depending on the amount of Recharge that you wish to send or the value of the Voucher that you wish to purchase according to the denominations displayed on the Applications.
If the Recharge you purchase is to be received in a different currency to the currency of your Hubpay account, the payment amount will be subject to the applicable FX rate on the payment date.
In the case of Recharge or Vouchers, you agree and understand that Hubpay only acts on your authorisation to send the Recharge or Voucher and the relevant third party shall be solely liable to you and the recipient, where applicable, for the provision of the services related to the Recharge or Voucher. Once a Recharge or Voucher is sent, it can be used immediately and therefore it cannot be refunded or removed, and you acknowledge that you will lose the right to cancel.
To avoid Products being provided to the wrong phone we ask you to confirm, where applicable, that the recipient details you have entered are correct.
Please note that the Applications limit the number and value of Products that can be purchased or received, including over a specific time period (daily, weekly, monthly). Other limits and exclusions related to the use of the Applications and the purchase of Products may be applicable from time to time.
From time to time, we or partner service providers may run promotions on the Applications. These promotions will be subject to additional terms and conditions and such terms and conditions (including the closing date for any promotion) will be displayed clearly on the Applications.
Hubpay is not responsible for promotions run by partner service providers, and you must make your own inquiries with the relevant service provider directly before availing of, and relying on, the terms and conditions of any such promotion. You shall avail of any promotion in good faith and not misuse any promotional code provided to you.
The capitalised terms below shall have the following meanings:
Account means the electronic money account you operate through our Application in accordance with this Agreement
ADGM means the Abu Dhabi Global Market, an international financial centre established in the Emirate of Abu Dhabi, United Arab Emirates by Federal Decree No. 15 of 2013 Concerning Establishing a Financial Free Zone in the Emirate of Abu Dhabi;
ADGM Data Protection means the data protection regulations of 2015
ADGM Law means the laws, regulations, and rules of the ADGM and the FSRA in force from time to time;
Application or app means the Hubpay mobile phone application to provide the Services and the related information.
Balance means any amounts held in your Account with us
Business Day means a day when banks are open for business in the UAE
Chargeback is a reversal of a transaction that was made with a credit or debit card. It allows cardholders to dispute a transaction and request a refund from the card issuer. Chargebacks can be initiated for various reasons, such as fraudulent activities, defective products, unsatisfactory services, or unauthorized transactions. If the dispute is found to be valid, the funds are returned to the cardholder.
FSRA means the Financial Service Regulatory Authority of the ADGM
Fees means the charges payable to us for the Services
FX Spread is where you pay for a transaction in one currency and it is paid out in another currency, we apply an FX spread
Force Majeure means an event which is beyond the reasonable control of a party including, without limitation, an act of God, fire, flood, earthquake, storm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, labour strike or industrial disputes, compliance with any governmental order, rule, regulation or direction, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities
Personal Information has the meaning given in the ADGM Data Protection Regulations 2015
Recipient or Receiver means the person who receives (or intends to receive) the money through the Services,
Sender means the person who initiates the carrying out of a money transfer through the Service
Services means all products, services, content, features, technologies, or functions offered by us and all related websites, applications (including the App), and services (including the Website).
Website or Hubpay Website means the website available at www.hubpayapp.com
“We”, “us”, or “our” means Hubpay
“You”, or “your” means you, the natural person in whose name the Hubpay Account is opened and maintained
This Agreement is governed by and construed in accordance with the laws, regulations, and rules applicable in the ADGM. Any dispute between you and us in connection with your Account and/or this Agreement may be brought exclusively in the courts of the ADGM.
The English language is the applicable language to these terms. The English language version of these terms shall apply and prevail and be conclusive and binding.
This Agreement is between you and us. No other person shall have any rights to enforce any of its terms.
You may not transfer, assign any or all of your rights and obligations under this Agreement without our prior written consent. We reserve the right to transfer or assign the benefit of this Agreement or any right under this Agreement at any time without your consent. This does not affect your rights to close your Account.
Each of the paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
If we delay in enforcing our rights against you or in taking action, it will not prevent us taking steps against you at a later date.
This Agreement supersedes and extinguishes all previous agreements between you and us, whether written or oral, relating to its subject matter.