AGB VISA Terms and Conditions/FAQs

1.  These Terms and Conditions govern your use of the AGB Visa Debit Card Mobile Application (“the App”), which provides services related to your Africa and Gulf Bank (“the Bank or AGB”) Visa Debit Card (“the Card”) and involves the terms and conditions of the other parties with whom the Bank engages to provide the service (“The Service Providers”).
   By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, you must refrain from using the App.
2. To access and use the App, you may be required to register by providing your Visa Debit Card details. You agree to provide accurate and complete information.
3. You are responsible for maintaining the confidentiality and security of your account information and for all activities that occur under your account. You agree to immediately notify the Bank if you suspect any unauthorised use.
4. The App allows you to view balances, transaction history, PIN set, report Card and perform other actions related to your Card, such as Card transfer and managing your App settings.
5. You may use the App to initiate transactions including Card transfers. By using these features, you authorise the Bank to process such transactions. You are responsible for ensuring sufficient funds are available in your account for each transaction.
6. You agree to pay all applicable fees by the Bank in accordance with its internal policy, as well as those imposed by Visa and/or the Service Providers and/or Central Bank of Sudan, in addition to any applicable taxes of the transactions.
7. Your use of the App is subject to the Bank Privacy Policy. By using the App, you consent to the collection, use, and sharing of your personal data in accordance with the Bank Privacy Policy.
8. The Bank takes all reasonable and appropriate steps, in accordance with standards and applicable data protection laws, to protect your personal and financial information.
9. You agree to use the App only for lawful purposes and in compliance with the regulations and policies of the Bank, Central Bank of Sudan and Service Providers.
   You must not use the App for any fraudulent, illegal, or unauthorised activities.
10. The App is provided “as is,” and the Bank makes no representations or warranties, whether express or implied, regarding the App’s functionality, and/ or availability.
11. The Bank will not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the App or the failure of the App to function properly.
12. These Terms and Conditions, and any charges related thereto, may be amended by the Bank at any time and shall be announced through the Bank’s Website or any other official communication channels. Any such amendments will be effective from the date of its announcement or such later date as may be specified therein.
13. You may stop using the App at any time by deleting it from your mobile device. Your use of the App is subject to these Terms and Conditions until you have permanently removed the App.
14. The Bank reserves the right to suspend or terminate your access to the App at any time if you violate these Terms or for any other reason the Bank deems appropriate.
15. If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
16. These Terms and Conditions constitute the entire agreement between you and the Bank regarding the use of the App, superseding any prior agreements or understandings.
17. By using the AGB Visa Card Mobile Application, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

    Disputes and unauthorised transactions

18. Any disputes arising from the use of the App will be subject to arbitration in Sudan and in accordance with the laws of the Republic of Sudan.
19. You must report any unauthorised transactions as soon as you notice them. The Bank may conduct an investigation, requiring additional information and documentation from you. Prompt submission of requested information is important, as delays can affect payments or lead to account restrictions or closure.
    If the investigation concludes in your favour, the Bank will credit your account with the disputed amount.