These Terms and Conditions apply to all services and products provided by Al Dar through all service channels, including but not limited to Al Dar branches, the mobile application, the website, and self-service kiosks. By using any of these channels, the Customer acknowledges and agrees that all transactions—whether related to foreign currency exchange, remittance (outgoing or incoming), prepaid cards, buy or selling of gold/precious metals, or any other service offered by Al Dar—are governed by these Terms and Conditions. Additional or specific terms and conditions may apply to certain products, services, promotions, campaigns, or offers, and the Customer agrees to review and comply with such additional conditions where applicable.
1. The Customer undertakes to provide Al Dar with an original and valid ID card or passport, along with all identity verification documents required by the Company where applicable. The Customer confirms that all personal data provided to Al Dar, including but not limited to full name, date of birth, residential address, mobile number, email address, is accurate, complete and shall be updated immediately by the Customer upon any change.
2. The Customer undertakes to provide accurate and complete information before executing any transaction, including but not limited to beneficiary name, account number, bank name, purpose of transfer, relationship between the Customer and the Beneficiary, Source of funds, mobile number of both parties. The Customer further undertakes to provide Al Dar with any supporting documents upon request, such as bank receipts, invoices, or bills of lading.
3. The Customer acknowledges that all transactions conducted are lawful and not connected to any criminal, fraudulent, terrorist or any other prohibited activities. Al Dar may request additional information or freeze funds if required by law. The Customer undertakes to comply with all AML/CFT requirements and to provide any information or documentation requested by Al Dar to satisfy due diligence obligations.
4. The Customer must not use Al Dar’s services for any fraudulent or suspicious activities, including identity impersonation, the use of unauthorized payment methods, or providing false or misleading information. Al Dar reserves the right to suspend or stop transactions and services upon detecting or suspecting fraudulent activity. The Customer acknowledges that Al Dar may report such activities to the competent authorities and must cooperate by providing any required documents.
5. In consideration of the Customer’s use of Al Dar’s services, the Customer agrees to pay the applicable Transfer Commissions and any charges applicable for each transaction. All applicable charges and fees will be disclosed to the Customer prior to final execution of the transaction. Al Dar bears no responsibility if some countries impose additional local fees on payout.
6. Exchange rates include a margin and fluctuate throughout the day. The Customer will be shown the applicable rate prior to confirming the transaction. Al Dar bears no responsibility if certain countries require currency conversion at payout, which may result in rate variations.
7. The Customer may pay via card, bank account, cash, cheque or any other method supported by Al Dar. Transactions will not proceed without proper authorization or cleared funds. By paying electronically, the Customer authorizes Al Dar to charge the full amount including applicable fees and charges.
8. The Customer may send or receive funds to/from permitted accounts (bank account, wallet, card, etc.). Account Providers may impose their own fees or restrictions. Al Dar will process the transfer using the account details provided by the Customer and bears no responsibility for incorrect or incomplete account information.
9. Transfers funded by cheque will only be processed after the cheque has been successfully cleared. Al Dar has no responsibility for any loss or delay resulting from the bank’s refusal or failure to clear the cheque.
10. Al Dar is not liable for failure or delay due to insufficient funds, account restrictions, bank rejection, system failures, or incomplete Customer instructions. Al Dar may refuse to process transactions due to security concerns or regulatory requirements.
11. Transfers may take several business days to be credited to the beneficiary’s account depending on correspondent or intermediary bank procedures, Account-based transfers may require up to 3 business days; mobile wallet transfers may be instant. Al Dar bears no responsibility for delays or failure to execute transfers due to reasons beyond its control.
12. Al Dar provides various payout methods including cash, bank deposits, wallets, and card payouts, subject to the selected service/product and country-specific availability. The Receiver must present valid ID and required transaction details. Additional verification may be required in some destinations.
13. Incoming transfers received on behalf of the Customer are subject to identity verification, AML checks, sanctions screening, and any regulatory requirements. Al Dar may release funds only after successfully verifying the Customer’s identity and transaction details. Al Dar bears no responsibility for delays caused by regulatory requirements, incorrect information, or restrictions imposed by correspondent or intermediary institutions.
14. Al Dar bears no responsibility for delays or failure to execute transfers due to reasons beyond its control, including but not limited to missing or incorrect data, communication failures, natural disasters, clearance delays, or return of transfers by correspondent or intermediary banks. The Customer bears any additional fees arising from resending a transfer. If a transferred amount is refunded, the prevailing exchange or buying rate at Al Dar on the refund date shall apply. Refunds are returned to the original payment card, and transfer fees are non-refundable under any circumstance once the transfer has been executed.
15. The Customer must submit any refund request or claim for review through the approved channels of Al Dar or by contacting Al Dar’s Customer Care team. Refund claims will only be reviewed upon completion of all required verification steps and submission of supporting documents, if applicable. For refund claims related to self-service kiosk transactions involving cash acceptor deposits, Al Dar will make reasonable efforts to process approved refunds within three (3) working days, subject to completion of verification and to the policies of correspondent banks, payment partners, and internal operational controls. The Customer must contact Al Dar’s Customer Care team for updates or clarifications regarding refund claims. Al Dar is not responsible for delays caused by incomplete information, pending verification, third-party dependencies, or other factors beyond its control. Refunds will be processed in accordance with the refund rules outlined in Clause 14.
16. For unclaimed amounts, Al Dar shall follow the procedures and timelines mandated by the Qatar Central Bank (QCB) guidelines.
17. Al Dar issues a receipt for every remittance, purchase or sale of currencies or gold/precious metals bullion. The Customer must review and verify all transaction details, including the purchased currencies or bullion, any remaining balance, before finalizing the transaction. The Customer is responsible for checking the accuracy of the transaction, including counting any cash received, prior to completion, and for ensuring that they obtain the final receipt through the available channel (branch-printed receipt, email, WhatsApp or other...). Al Dar bears no responsibility for shortages, discrepancies, or claims raised after the transaction has been finalized and accepted by the Customer
18. Al Dar reserves the right to refuse acceptance of any foreign currency notes that are damaged, torn, defaced, stamped, ink-marked, washed, or otherwise unfit for circulation. If any counterfeit notes are detected, Al Dar is obligated to notify the competent authorities and apply the approved procedures.
19. When purchasing gold/precious metals bullion, the Customer must verify the specifications of the bullion. To be eligible for buyback, the Customer must retain the original or electronic purchase receipt. Al Dar reserves the right to examine the bullion and ensure it meets the required specifications prior to accepting it for buyback. Buyback is limited to bullion originally purchased from Al Dar and is subject to presentation of the original receipt. Buyback transactions are performed based on the prevailing rate at Al Dar at the time of the buyback transaction.
20. Previously sold gold/precious metals coins and bullion may be repurchased at the prevailing rate at Al Dar at the time of buyback. Al Dar bears no responsibility for any change in the price of gold/precious metals after the rate is fixed, and the customer is not entitled to claim any differences or compensation arising from price fluctuations.
21. The Prepaid card may be loaded and paid for in Qatari Riyals based on the prevailing exchange rate at Al Dar at the time of loading. A commission applies as stated in the card agreement. Funds available on the card are not considered a bank deposit and do not earn interest. The Customer is responsible for determining the available balances in each currency and ensuring sufficiency prior to transactions. The Card may not be transferred to any other person. The Card may be used worldwide at ATMs, points of sale, and online where permitted, provided sufficient balance is available. Some ATM operators and merchants may charge a fee or set their own withdrawal or purchase limits. The Customer shall confirm whether any fees or limits apply before making a withdrawal or purchase. Al Dar is not responsible for other operators limits or non-acceptance of the card in some countries. If the balance in one currency is insufficient for a transaction, the required amount will be automatically deducted from other currencies on the card. The card should not be used for gambling or illegal activities and the Customer must comply with all applicable laws and regulations. In case of loss, theft, or damage, the Customer should contact the customer service immediately, and he may request a replacement according to the approved policies and service fees.
22. The Customer consents to receive digital receipts through approved communication channels approved by the Company, including email, SMS, or mobile application or WhatsApp, using the contact details (mobile number and email address) that the Customer has provided to the Company under his responsibility and acknowledges such receipts as valid proof of transactions.
23. Al Dar may refuse to provide any service, whether through branches, the mobile application, the website, or kiosks, if doing so may breach any applicable law, court order, regulatory requirement, or if Al Dar considers such refusal necessary to protect its interests, prevent fraud, money laundering, terrorist financing, unauthorized use, or misuse of services.
24. Al Dar may suspend or interrupt any service, in whole or in part, if deemed necessary due to circumstances beyond its control, operational needs, security concerns, system maintenance, or third-party service interruptions. Al Dar will take reasonable care to minimize the duration of any interruption. Provided such reasonable care is exercised, Al Dar bears no liability for losses arising from service suspension or interruption unless caused by fraud.
25.The Customer must safeguard login credentials and all security information used to access electronic services, take reasonable precautions to prevent unauthorized use, and immediately notify Al Dar in the event of loss, theft, or suspected unauthorized use.
26. The Customer agrees and undertakes not to share, disclose, or transfer his password to any third party. Al Dar will never share the Customer’s account credentials with any third-party, nor request sensitive information such as passwords, Pins or OTPs through any means. The Customer is solely responsible for maintaining the confidentiality of his account password and any actions taken using his account credentials are his responsibility. The Customer should immediately notify Al Dar by calling the Customer Care for any unauthorized use of their password or account e-mail login or any other breach of security. Once notified, Al Dar will take immediate steps to try to prevent these from being used. Al Dar shall not be liable for any loss, claim or damage arising from the Customer’s failure to comply with these obligations.
27. Al Dar applies appropriate security measures, including encryption, to safeguard Customer information, data, and transactions from unauthorized access. The Customer remains responsible for maintaining the devices, systems and software used to access the service, including the installation of antivirus and anti-malware tools. Al Dar is not responsible for any damages caused by viruses, malware or other harmful programs present on the Customer’s devices.
28. Al Dar undertakes to maintain the confidentiality of Customer information and not disclose it except when required by applicable laws or regulations in Qatar or other relevant jurisdictions, or upon request of regulatory or governmental authorities relating to AML/CFT, anti-corruption, or any illegal activities. The Customer agrees that their information may be shared with such authorities when required by law.
29. Service and product availability varies by country and depends on regulatory, technical, and operational conditions.
30. Al Dar is not responsible for third-party services, communication failures, viruses, incorrect data provided by the Customer, or unauthorized interception of information.
31. All content displayed on Al Dar’s website and mobile app, including services, materials and reports, is the Company’s intellectual property. It is strictly prohibited to modify, copy, reproduce, store or use such information in whole or in part without prior written approval from Al Dar.
32. Al Dar reserves the right to modify the scope of services provided to the customer at any time, including but not limited to imposing changes or restrictions on the service such as adjusting limits, number of transactions allowed, or total transaction value.
33. The Customer may terminate the service at any time without notifying the Company. The Company may suspend or terminate the service without prior notice if the Customer violates any applicable law or any of these terms and conditions.
34. If one or more provisions of these terms and conditions are deemed unenforceable or unlawful, the remaining provisions shall remain valid and enforceable.
35. Al Dar reserves the right to amend any part of these Terms and Conditions from time to time. The Customer will be provided with the ability to review and accept the updated terms when using Al Dar’s services.
36. the Customer acknowledges that any dispute, claim or other matter relating to offering Aldar products or services brought before the Qatari courts, will be governed by the laws of the State of Qatar.
These Terms and Conditions apply to all services and products provided by Al Dar through all service channels, including but not limited to Al Dar branches, the mobile application, the website, and self-service kiosks. By using any of these channels, the Customer acknowledges and agrees that all transactions—whether related to foreign currency exchange, remittance (outgoing or incoming), prepaid cards, buy or selling of gold/precious metals, or any other service offered by Al Dar—are governed by these Terms and Conditions. Additional or specific terms and conditions may apply to certain products, services, promotions, campaigns, or offers, and the Customer agrees to review and comply with such additional conditions where applicable.