الشروط و سياسة الخدمة

Exchange and Return Policy
Harithmoni Digital Services and Payments App
📌 Version: 1.0
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First: Definitions
In this policy, the following words and phrases shall have the meanings assigned to them unless the context requires otherwise:

• App: Harithmoni Digital Services and Payments App.

• User: The person who has created an account and used the app's services.

• Services: Any payment service offered by the app, including electronic payments, top-ups, bill payments, transportation services, and others.

• Transaction: Any payment or top-up transaction made through the app.

• Policy: This Exchange and Return Policy.

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Second: Nature of Services
The Harithmoni app provides instant digital payment services, where transactions are executed instantly, resulting in the transfer of funds to the beneficiary immediately after transaction confirmation.

Accordingly, some transactions are non-refundable by their nature, in accordance with the practices of electronic payment systems.

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Third: Return Policy
Non-Refundable Transactions

Once a transaction is executed and confirmed, it is considered valid and cannot be refunded in the following cases:

• Mobile phone credit top-up after successful execution.

• Bill payments (electricity, water, gas, telecommunications, government services, etc.) after payment confirmation.

• Payment for transportation services or any service already completed.

• Any transaction successfully completed based on data entered by the user.

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2. Transactions Subject to Refund Consideration
Refund requests may only be considered in the following cases:

• Transaction Failure: The amount was deducted from the user's balance, but the service was not provided.

• Duplicate Deduction: The amount was deducted more than once for the same transaction.

• Proven Technical Error: A malfunction in the application systems resulted in the incorrect execution of the transaction.

📌 In these cases:

• The request will be reviewed technically and financially.

• The amount will be refunded to the user through a suitable method or via the original payment method within a period not exceeding 14 business days.

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Fourth: Replacement Policy
Due to the nature of digital services, the following applies:

• Services cannot be replaced once completed.

• In the event of a technically proven error, the payment will either be refunded or the service will be redone, as deemed appropriate by the application management after review.

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Fifth: User Responsibility
The user is obligated to:

1. Verify the accuracy of the data before confirming any transaction (phone number, meter number, payment amount, etc.).

2. Not share account details or verification codes.

3. Acknowledge that the transaction was executed based on the correct data entered by the user.

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Sixth: Submitting Complaints and Refund Requests
The user can submit a complaint or refund request through:

📧 Email: info@harith.money
📞 Customer Service Number: 01222263239

🔹 The request must include:

• Transaction number.

• Date and time of transaction.

• Description of the problem.

• Phone number registered on the application.

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Seventh: Timeframe for Submitting a Request
Refund or complaint requests must be submitted within a maximum of 14 days from the transaction date.

Requests submitted after this period are subject to the application management policies.

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Eighth: Compliance with Laws

Harithmoney for Digital Services and Payments is committed to all applicable laws and regulations governing electronic payment services in the Arab Republic of Egypt.

Ninth: Policy Amendments
The application management reserves the right to amend or update this policy at any time.

Any amendment will be announced through the application or website, and the user's consent will remain in effect if they continue to use the application after the amendment date.

______________________________________ Conclusion
This policy forms an integral part of the terms of use for Harith application services and aims to protect users' rights and ensure the highest standards of transparency and legal compliance.