3.1 The Website and Mobile App are freely accessible currently, however, prior to availing any of the Services to you, you will have to register on the Website or Mobile App and create an Account.
3.2 Upon registration for the Appro Services, a “one-time password” (OTP) will be sent to your mobile number and a verification email will be sent to the valid email address provided by you. You will need to (i) enter the OTP for validating your mobile number; and (ii) verify the email for validating your email address, to activate and access your Account. Once activated, you can use your mobile number together with your password to access the Services and it will remain active until terminated in accordance with these Terms and Conditions.
3.3 You will also be required to submit supporting documents as requested by us in order for us to verify your identity and provide the relevant Services to you, including but not limited to your identification card, passport (or other government issued identity proof), bank statements of specific duration, documents to prove your residential address and photos. You hereby expressly authorise us to utilise, store and/or process such documents and/or information shared by you for the purposes set out in these Terms and Conditions and the Privacy Notice.
3.4 To the extent permitted under applicable laws, we will also collect documents and information pertaining to you from the records maintained with United Arab Emirates Credit Bureau and such governmental authorities which are required as part of the User Verification process. By agreeing to abide by these Terms and Conditions, you irrevocably consent to us disclosing your information to the aforesaid credit bureau(s) and such other government authorities.
3.5 Further details of the information and/or documents that we collect and the manner in which we use the information and/or documents are detailed in our Privacy Notice available on our Website. If these Terms and Conditions, read in conjunction with our Privacy Notice, are not acceptable to you please do not provide any of your information to us. However please note that in such event, we may not be able to provide you with the Services or some parts of it, as may be applicable.
3.6 The information and/or documents requested by us are not an exhaustive list of requirements and we reserve the right to request and/or extract additional information and/or documents from you or any third party as may be deemed necessary by us in our sole discretion, to complete User Verification.
3.7 In the event the information and/or documents submitted for creating Account, or for availing the Services, are incomplete or inconsistent, we will request additional information and/or documents from you. In case the discrepancies remain unresolved or if we are unable to successfully complete the User Verification process in accordance with our policies, we shall have the right to reject your request for registering for the Services. In any event, please note that we reserve the absolute discretion to accept or reject your request for creating an Account, without disclosing any reason for the same.
3.8 By registering and creating an Account, you certify that:
(a) you are 18 years old or above;
(b) you have created the Account for your own personal use and that the information and documents you provide to us are your own details and not that of any other person;
(c) all information that you provide to us at any time is true, complete and accurate and such information is supported by the submission of genuine and valid documentation.
You further confirm that you will keep all such information and documents current, complete, accurate and valid at all times for as long as your Account remains valid. You can log in to your Account to review and modify any changed details. You may be required to submit documentary proof as required by us from time to time to authenticate the modified details and may not be able to use the Services until verification of the changed details is successfully completed by us. You hereby agree that you will indemnify us for any loss, damage, claim, action, costs, charges and expenses which we may suffer or incur as a result of acting on, or relying on the information and/or documents provided by you;
(d) you will be responsible for safeguarding the security and confidentiality of your Account and password and you will not share, assign or transfer your Account or reveal your password to any third party or do anything else that might jeopardise the security of your Account; and that you will be solely responsible and liable for all actions and/or instructions initiated using your Account. Please note that you may be held liable for losses incurred by us or any other User due to authorised or unauthorised use of your Account as a result of your failure in keeping your Account information secure and confidential and/or not promptly notifying us in the event of any beach of security. You must notify us immediately if you become aware of or have reasonable suspicion that there is any breach of security, loss, theft or unauthorized use of the password or your Account;
(e) you will not create more than one Account;
(f) you will comply at all times with all applicable laws and regulations, and in particular, anti-corruption, any-bribery laws and regulations; and
(g) you understand that we may reject your application for an Account, or after an Account is created, suspend or terminate your Account or your use of the Services at any time without notice, if we suspect that any information, documents and/or authorisation that you have provided are untrue, inaccurate, not current, or incomplete or if you are found to be in breach of any of these Terms and Conditions.