Meraki Technologies LLC (the “Company,” “we,” “us,” “PayAt” and “our”) offers cash back in the form of credits issued to the PayAt Credits balance when a Qualified Purchase at participating merchants is made. A “Qualified Purchase” is a purchase from a participating merchant in accordance with the terms of the Offer and these terms (the “Terms”). An “Offer” is the cash back percentage or amount in form of PayAt Credits or gift card offered by the merchant, which may include, but not limited to, a minimum transaction amount, expiration date, any other additional terms or limitations associated to the offer.

These Terms of Use (“Terms”) govern your access to and use of (1) our website located at www.payat.app and all of our other websites to which these Terms are posted (collectively, the “Website”); (2) our mobile applications to which these Terms are posted (collectively, the “Application”); and (3) any services, content, and features made available by us through the Website or the Application (together with the Website and the Application, the “Services”). In these Terms, “you” and “your” refer to any user of the Services.

YOUR ACCEPTANCE OF THESE TERMS

By accessing or using the Services in any way or by clicking to agree to these Terms when that option is made available to you, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by this reference into these Terms. If you do not agree to all the terms and conditions of these Terms, do not access or use the Services. If your access to or use of the Services is prohibited by applicable law, you are not authorized to access or use the Services. We are not responsible if you access or use the Services in any manner that violates applicable law.

CHANGES TO THESE TERMS

We may, without prior notice or liability to you, discontinue the Services or modify the Services by adding or removing features or functionalities, even though such changes may affect the Company (as defined below) awarded to you. We may also revise these Terms from time to time in our sole discretion, subject to applicable law. When we revise these Terms, we will post a revised version on the Website and the Application. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for your continued access to and use of the Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access to and use of the Services. Except as otherwise expressly stated by us, your access to and use of the Services are subject to the version of these Terms in effect at the time of your access or use.

ACCOUNT REGISTRATION

THE SERVICES ARE NOT AVAILABLE TO PERSONS UNDER THE AGE OF 18 OR TO ANY USERS SUSPENDED OR REMOVED FROM THE PROGRAM. BY USING THE SERVICES, YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OF AGE AND HAVE NOT BEEN PREVIOUSLY SUSPENDED OR REMOVED FROM THE PAYAT. SUBJECT TO YOUR COMPLIANCE WITH THESE TERMS AND ALL APPLICABLE LAWS, Meraki Technologies LLC. grants you permission to access and use Services for your personal or business use, at the level for which you have registered, as set forth in these Terms and consistent with the intended features of the Services.

In order to use the Services, you must have a PayAt account in good standing. You agree that the information you provide to the Company on registration and at all other times, will be true, accurate, current, complete and that you will keep this information accurate and up-to-date at all times and you represent and warrant that you are authorized to use the payment card that you submitted.

By registering for or interacting with the Services you represent that you have read and accepted the Terms of Use and the Privacy Policy.

You are solely responsible for ensuring the confidentiality of your Account login information and maintaining the security of such information. You agree not to authorize any other person to use your Account for any purpose. Except as otherwise provided by applicable law, you are solely responsible for all transactions and other activities authorized or performed using your Account, whether authorized by you or not. If you believe any of your Account credentials, such as your password, have been obtained or used by any unauthorized person or you become aware of any other breach or attempted breach of the security of the Services or your Account, you must notify us immediately.

SALE OF Gift Cards

By accessing the Application, by making transactions through Application, by accepting or using any Gift Card (as defined below) purchased through Application or specifically by clicking a checkbox for “I agree” or similar statements, in each case, you expressly indicate to the Company and their respective subsidiaries, affiliates, distributors and agents your acknowledgment and acceptance of these Terms of Use, which are expressly incorporated herein. We, in our sole discretion, may revise these Terms of Use at any time or make changes to the Application at any time, with or without notice, and your subsequent accessing of it, making transactions through the Application, accepting or using any Gift Card purchased through the Application or clicking a checkbox for “I agree” or similar statements, in each case, will serve as your acknowledgment and acceptance of such changes. These Terms of Use control your use of and participation with the Company and no covenants at law or in equity shall be implied or incorporated. We the sole right to interpret and apply all terms as it sees fit.

PayAt is available only to the members physically located in the UAE. You may have only one account at a time. Any offer for any products or services made in or through PayAt is void where prohibited.

Terms of use for Gift cards purchased from the Application are as follows:

• Gift cards are non-refundable and cannot be exchanged for cash unless required by law. For issues with your gift card, please first reach out to our retail partner’s support channels. Should the gift card be invalid, PayAt may assist with looking into the issue but is not required to issue refunds if the issue is on the retail partner’s side.
• PayAt respects the rights of our retail partners to make decisions on their acceptance of gift cards. If the retailer cancels any orders made with the gift cards, the Company is not liable and will not reimburse those transactions. If retailers decide to terminate your access to their site, stores or those said gift cards, the Company is not liable and will not reimburse those transactions.
• The gift cards being purchased are intended for personal use.
• Gift cards are as good as cash and the Company securely delivers gift cards directly to your app. Users are responsible to ensure the security of their gift cards and the mobile devices/ computers they access the Application through. the Company will not refund lost or redeemed gift cards caused by compromised accounts and/or devices.
• Majority of gift cards only work in the UAE, the Company will not refund gift cards that do not work if they are redeemed outside of the UAE or with a non-UAE. or non AED account. Please check the retail partner’s gift cards T&Cs and FAQs prior to purchasing a gift card.
• The Company is not responsible if the retail partner’s cashiers, staff and managers do not know how to use gift cards. Please inform the cashier that you are using the retail partner’s DIGITAL gift card. In most cases, cashiers are able to either scan or enter the gift card code and pin or both.
• The Company clearly reflects if gift cards are useable in-store, online or both. The usage of the gift cards are subject to the retail partner’s terms and conditions. The Company will not refund gift cards if the app states in-store only but the user was unable to use online, and vice versa.
• The gift cards are subject to the retail partner’s Terms and Conditions. The Company is not liable to refund gift cards that encountered issues on the retail partner’s side such as website maintenance or system error.
• Users are liable to check the expiry date of their gift cards. The Company will not refund un-useable gift cards because they have expired.
• Depending on retail partner’s T&Cs, gift cards may be limited to certain products, services and/or branches only. The Company is not required to refund gift cards for cases like this. Please visit the retail partner’s gift card FAQs prior to purchase. The Company is not responsible for merchant's stock/ inventory levels.
• Once a gift card purchase has been made, The Company is unable to change the amount.
• The Company is simply the gift card seller. Gift cards are completely subject to the retail partner’s Terms and Conditions. Our retail partner reserve the right to cancel orders, lock accounts (and the balances along with it), terminate access to their website and/or stores, and defund or deactivate gift cards without refunds based on their terms & conditions or as they see fit. The Company is not liable for our retail partner’s decisions and will not reimburse those gift cards.
• Merchandise returns and order cancellations from orders purchased with a gift card are subject to retail partner’s Terms and Conditions. Should you want to return merchandise or encounter issues with your balance after you cancelled your order, please reach out to the retail partner directly.
• Please visit our retail partners website to check your gift card balance. For some retail partners, a user account is needed to redeem the gift card balance and/or check the balance.
• Should a chargeback be received from your account and/or linked payment methods, the Company reserves the right to require payment of the chargeback amount and a AED 100 processing fee prior to reinstating your account. The Company reserves the right to lock your account, your gift card balances and PayAt Credit balance along with it, should you receive numerous chargebacks and/or to pay for chargeback charges. The Company is not required to re-open your account.
• In an effort to ensure the security of all cards used in the app, the Company reserves the right to lock accounts, the balances and PayAt Credits if the account is suspected to be fraudulent. The Company reserves the right to conduct account verification any time.
• Gift cards are subject to stock availability. Gift cards need to be used to pay for a purchase, Gift cards cannot be used retroactively.
• In each purchase transaction, you are purchasing a merchant-specific electronic stored value card, certificate, voucher or similar product that will be displayed on your smartphone or other compatible device as an electronic code, symbol, set of letters, set of numbers or any combination thereof (“Gift Card”), and the Gift Card is intended to be redeemed for the full amount of the Gift Card immediately with such merchant (the “Merchant”) for your desired products or services.
• Any returns, credits or exchanges of the products or services that are purchased using such a Gift Card via The Company will be governed by the applicable Merchant’s policies, terms and conditions for purchases made with Gift Cards. Such Merchant’s policies, terms and conditions may be subject to change in the Merchant’s sole discretion, if permitted by law. You may be entitled only to store credit with any return or exchange. For details, review the applicable gift card terms available in the purchase path, and contact the applicable Merchant for additional information.
• Except as specifically permitted by the Merchant’s policies, terms and conditions, Gift Cards are not redeemable for cash or for other Merchants’ Gift Cards, are not valid for prior purchases and may not be returned, credited or exchanged.
• We are not responsible for keeping track of your available Gift Card balance, if any.
• If we fail to deliver a Gift Card you have purchased, we deliver a Gift Card with an electronic code that does not function properly, or you have a question about rewards awarded in connection with any of the transaction, please contact us using the contact method listed within the application.
• Disputes or claims regarding any failure of any Gift Card to be purchased or delivered, or any other failure related to using the application to complete your transaction, will be subject to these Terms of Use, and neither the Merchant, nor the issuer of the payment card (or other payment product) used to purchase the Gift Card (the “Issuer”), nor any non-merchant distributor of the Gift Card (“Distributor”), shall have any responsibility with respect to such disputes or claims.
• If you are entitled to a refund for any reason for products or services obtained with a Gift Card, you agree to accept credits to a Gift Card or a replacement Gift Card for such refunds or such other handling as provided in the applicable Merchant’s policies, terms and conditions. If you have a problem with a purchase that you made with your Gift Card, or if you have a dispute with the Merchant, you must handle it directly with the Merchant. Any disputes or claims relating to Gift Cards that are purchased or delivered using PayAt, including without limitation any disputes or claims relating to products or services purchased with any Gift Card, must be handled in accordance with the applicable Merchant’s policies, terms and conditions, and none of the Company, the Issuer and any Distributor shall have any responsibility with respect to such disputes or claims.
• Gift cards are subject to merchant's terms & conditions. Check merchant's website for redemption terms prior to purchase of gift card from the application. Any redemption issues due to merchant's restrictions does not make you eligible for a refund from The Company.

PayAt Credits

Receiving PatAt Credits

Subject to these Terms, we will automatically provide PatAt Credits to you when you purchase qualifying goods or services. The Company, in its sole discretion, establishes the terms and conditions for each qualifying purchase or action and determines whether you have satisfied such terms and conditions to receive PatAt Credits. Such terms and conditions are set forth on the Website and the Application and may be updated, modified, suspended, or cancelled by the Company at any time in its sole discretion. All offers made available to you through the PatAt application are temporary and may become unavailable without notice. You may also have a limited, prescribed window of time to take advantage of an offer. Always check the PatAt application for offers currently available to you. Not all qualifying purchases made with your Payment Card may be eligible for PatAt Credits if we are unable to obtain certain transaction information from the Merchant.

Without limiting any of the other terms of these Terms, if you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received PatAt Credits, we will reduce the balance of PatAt Credits in your Account by the amount of PatAt Credits you received for such transaction. If the balance of PatAt Credits in your Account is less than the amount of PatAt Credits you received for such transaction, we will offset the applicable amount of PatAt Credits from Credits you would otherwise receive for future qualifying actions.

PatAt Credits that you receive as a result of a qualifying purchase at a local merchant will generally be reflected in your Account within 1-7 Business Days after the date of purchase. PatAt Credits that you receive as a result of a qualifying online purchase will be reflected in your Account after the return period for the purchase has expired and generally within 60-90 Business Days after the online purchase is completed.

Without limiting any of the other conditions of these Terms, if we award PatAt Credits to you in error (e.g., we later determine that you did not comply with the terms and conditions of a qualifying purchase or if you charge back a qualifying purchase), we reserve the right to remove the applicable PatAt Credits from your Account. You are responsible for making sure the PatAt Credits balance reflected in your Account is correct. If you believe that your Account does not accurately reflect PatAt Credits that you are eligible to receive, please contact us. PatAt Credits will remain in your Account until we approve redemption of PatAt Credits as described below.

Redeeming PatAt Credits

Subject to these Terms and our approval, you may request that we redeem PatAt Credits from your Account. Prior to redeeming PatAt Credits, (i) you must verify an email address associated with your Account, (ii) PatAt Credits may only be redeemed from your Account through the Website and the Application, (iii) you must have completed an offer-qualifying transaction with a participating merchant. (iv) PatAt may offer the ability to purchase Gift Cards through the app using PatAt Credits or a combination of rewards and money.

You are solely responsible for verifying the accuracy and completeness of any credits to your Redemption Method performed by us hereunder. You must notify us of any errors within 15 days of such information being made available to you. If you do not notify us of any such errors within such 15 days, you will forfeit the right to contest a transaction, except to the extent such forfeiture is prohibited by applicable law.

Certain limits may apply to your redemption of PatAt Credits. For example, unless otherwise permitted by us, you may only redeem PatAt Credits up to the daily limit set by the Company. Without limiting any of the other conditions of these Terms, we may modify the redemption terms for PatAt Credits at any time in our sole discretion.

Unauthorized or Fraudulent Transactions and Transaction Limits

The minimum and maximum amounts that may be spent by a member via PatAt during a certain time period (e.g., per day), per Merchant, per transaction and other limits and restrictions will be set by Company in its sole discretion and are subject to change. Limits or other restrictions may vary by member. If the Company, in its sole discretion, believes that you are purchasing gift cards at a volume or denomination that is intended to abuse the Services or that appears to be consistent with manufactured spending, the Company retains the right to suspend and/or terminate your Account and claw back any PatAt Credits received as a result of the gift card abuse.

If you notice unauthorized or fraudulent transactions on the account of any Registered Card, promptly contact your credit card issuer to report it. It is important to continually monitor your credit card accounts to identify any unauthorized or fraudulent transactions. You may have a limited time to notify your credit card issuer. Refer to the terms available from your credit card issuer regarding unauthorized or fraudulent transactions for additional information.

Because any stored Gift Card numbers or Gift Card barcodes, including any unused credits stored in your PatAt account, are Gift Cards that can be used like cash for purchases from the applicable Merchant and because PatAt rewards can be used to purchase Gift Cards (where available), you are responsible for all transactions made with your unused credits and your PatAt Credits, including unauthorized or fraudulent transactions. If you notice unauthorized or fraudulent use of any unused credits or rewards in your PatAt account or otherwise, contact PatAt as soon as possible using the contact method listed within the PatAt application or found on PatAt.app

By utilizing Services, you agree to not dispute any transaction initiated by you via the PatAt app. You also understand that PatAt will not provide refunds for goods or services it has provided. All claims of potential or actual fraud must be initiated and settled by the PatAt Account holder’s financial institution.

Please allow 1-4 business days (excluding bank holidays) for settlement of all transactions initiated on the PatAt app. PatAt's goods and Services will not be provided until the applicable transaction has settled. Cancellation requests made by the PatAt Account holder may not be fulfilled based on the transaction status as of the day and time of the request.

PatAt reserves the right to initiate, pend, cancel, and refund transactions at its sole discretion in instances of potential or actual fraud or promotion abuse based on, but not limited to, the following factors: PII; Payment Method, device identifiers; or suspicious activity within the PatAt app. PatAt reserves the right to withhold delivery of goods and Services until potential or actual fraud or promotion abuse is investigated or for up to 14 business days past the settlement date of the applicable transaction(s). In the instance of returned transaction, PatAt reserves the right to payment recovery by initiating a transaction of the same amount from the Account holder’s Payment Method.

THIRD-PARTY CONTENT

The information presented through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other user of the Services. The Services may include content provided by third parties, including content provided by other users of the Services. All statements and/or opinions expressed in such content (other than the content provided by the Company) are solely the opinions and the responsibility of the provider of the content and do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content provided by any third party.

SUSPENSION AND TERMINATION

We may, in our sole discretion, suspend, limit, or terminate your Account and your access to and use of the Services, including the PayAt Credits balance in your Account, at any time for any reason, without notice or liability to you, including, but not limited to, if we suspect that your access to or use of the Services violates these Terms or applicable law. You may stop using the Services and terminate your Account at any time by Contacting Us. Upon the termination of your Account, you must cease all use of the Services, and you shall forfeit any PayAt Credits balance remaining in your Account. Termination of your Account and your access to and use of the Services will not affect any of our rights or your obligations arising under these Terms prior to such termination. In the event you or PayAt terminates your Account, you agree that we may retain your data, including personal and transaction information, for one year from the date of termination for audit and merchant invoicing purposes. Provisions of these Terms that, by their nature, should survive termination of your Account and your access to and use of the Services will survive such termination.

INDEMNIFICATION

You agree to indemnify, hold harmless, and (at our request) defend us, our affiliates, our distributors, our and their respective employees, officers, directors, and agents, as well as the Payment Card Networks, from and against all claims, demands, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses, including reasonable attorneys’ fees, that arise from any third-party claim due to or arising out of: (a) User Content you share through the Services; (b) your use of the Services; (c) your breach or alleged breach of these Terms; (d) your violation of applicable law, including, but not limited to, infringement of third-party intellectual property rights; or (e) your other actions or omissions that result in liability to us. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us under these Terms, and you agree to cooperate with our defense of these claims.

DISCLAIMERS

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR ACCESS TO AND USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE THROUGH THE SERVICES ARE AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, AND WE AND THE PAYMENT CARD NETWORKS EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS, REPRESENTATIONS, WARRANTIES, EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE AND THE PAYMENT CARD NETWORKS MAKE NO WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS; (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS; OR (E) ANY ERRORS IN THE SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US OR ANY OF OUR AUTHORIZED REPRESENTATIVES WILL CREATE ANY WARRANTY.SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. HOWEVER, ANY LIMITATION WILL BE CONSTRUED TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW.

LIMITATIONS OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE, OUR AFFILIATES, THE PAYMENT CARD NETWORKS, AND THEIR AND OUR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AND AGENTS WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICES OR ANY INFORMATION, PRODUCTS, OR OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE THROUGH THE SERVICES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. WITHOUT LIMITING THE FOREGOING AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN THE EVENT YOU OR ANY OTHER PERSON OR ENTITY IS ENTITLED TO DIRECT DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS, USE, OR INABILITY TO ACCESS OR USE, THE SERVICES OR ANY INFORMATION, PRODUCTS, OR OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE THROUGH THE SERVICES, THE COLLECTIVE LIABILITY OF THE COMPANY, OUR AFFILIATES, THE PAYMENT CARD NETWORKS, AND OUR AND THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AND AGENTS, (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) WILL NOT EXCEED AED 100.
IN ADDITION TO AND WITHOUT LIMITING ANY OF THE FOREGOING, WE AND THE PAYMENT CARD NETWORKS WILL HAVE NO LIABILITY FOR ANY FAILURE OR DELAY RESULTING FROM ANY CONDITION BEYOND OUR REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, ACTS OF TERRORISM, LABOR CONDITIONS, POWER FAILURES, INTERNET DISTURBANCES, OR ANY SERVICES OR SYSTEMS CONTROLLED BY THIRD PARTIES. THE LIMITATIONS IN THIS SECTION DO NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

CONTACT US

If you have any questions regarding this Terms of Use or the Services, please Contact Us.