Terms and Conditions

This Terms and Conditions Agreement (“ Agreement”) sets out the terms and conditions which will be applicable for the access and usage of the platform i.e. including any other media form, media channel, mobile website, or mobile application related or connected thereto and further including any amendments/ modification/ update thereon (hereinafter referred as “Platform”), which is owned by by E-Revbay Private Limited (hereinafter collectively referred to as “Company”/ “ERB”) incorporated under the Companies Act, 2013 and operated and managed by the respective licensed associate/s.

You (“User”) acknowledge and agree that by agreeing, accessing, browsing or submitting any information on this platform, you are deemed to have read, understood and accepted these Terms and Conditions in their entirety, together with the applicable Privacy Policy, Cookie Policy and any disclaimers displayed on the Platform. The User further understands and agrees that he/she/it is free not to accept these Terms and, in such event, is advised not to access, use or submit any information on this Website/Web form/App in any manner whatsoever. By clicking “I Agree”, “Proceed”, “Submit”, “Login” or any similar consent button, you provide your express, informed and irrevocable consent to be bound by these Terms and Conditions for all purposes connected with your use of the Platform.

Minors under eighteen (18) years of age are strictly prohibited from registering as Users of this Platform or from using or accessing the Platform in any capacity. By using the Platform, the User confirms that he/she/it is competent to contract under applicable laws and is duly authorised by the relevant organisation, DSA or employer to act as its agent or representative for sourcing and submitting Enquiries.

The users are requested to visit this platform and review the most updated version of Agreement. The Company reserves the right at any time, at our sole discretion, to change or otherwise modify the Agreement without prior notice, and the same shall be deemed to be reviewed and accepted by the User of this website.

1. Definitions

For the purposes of these Terms and Conditions, the following expressions shall have the meanings assigned to them below, unless the context otherwise requires:

“User” means any legal or natural person onboarded by or through a licensed associate, for the purpose of sourcing and submitting Enquiries through the Platform.
“Approved Partner” means any third-party entity expressly recommended & approved by Licensed Associate/s for the purpose of processing or fulfilling Enquires.
“Enquiry / Enquiries” means any customer information, request, application, expression of interest, Enquiry or other data submitted or captured through the Platform (including via the Website/Web form/App), together with all associated metadata, timestamps, behavioural data and processing history.
“Licensed Associate” means any individual, entity, organisation, channel partner, distributor, referral partner or business associate that has been duly authorised, approved, licensed and onboarded by ERB for the purpose of distributing, promoting, marketing or facilitating access to the Platform, including through referral links, distribution channels or other approved mechanisms, subject to such terms, conditions and permissions as may be prescribed by ERB from time to time.
“Platform Data” means all data generated, processed, stored or derived through the Platform, including without limitation system logs, analytics, performance metrics, audit trails, usage patterns and electronic records evidencing origination and handling of Enquiries.
“Fulfilment Services” means such services as may be provided by any Approved Partner in relation to Enquiries, including but not limited to contacting prospective customers, verification, documentation, processing assistance, login and submission to banks, financial institutions or service providers and allied operational support.

2. Purpose of the Platform and Role of the User

The Platform branded as “Cashkey” is a proprietary, technology driven enquiry generation and distribution infrastructure owned by E Revbay Private Limited (“ERB”), designed to enable licensed associate/s and Users to record, route and manage Enquiries for financial products and services within the UAE.
By using this Platform, the User confirms that he/she/it is acting strictly in a professional capacity for the lawful and bona fide purpose of identifying, sourcing and submitting genuine Enquiries and not as an end consumer of any financial product.
ERB acts solely as a facilitator and does not operate or control the Platform. Accordingly, ERB shall not be liable for any unauthorised access, misuse, data breach, technical failure or loss arising from the operation or use of the Platform by the User or any third party.
The User acknowledges that ERB is not itself a lender or provider of financial products, and that all credit decisions, sanctions, approvals or disbursements are made exclusively by respective Licensed Associate/s, banks, NBFCs or other financial institutions in their sole discretion.
Registration is subject to completion of the digital onboarding process, which may include mobile number capture, one time password (OTP) verification, submission of user profile details (name, contact information, city, business category, user type), and such basic KYC/profile readiness information as the licensed associate may require for compliance and Consideration purposes.
By registering, the User warrants that they are at least 18 years old, have full legal capacity, and the authority to enter into this Agreement. The User must promptly update their account details if they change, License Associate/s may suspend or terminate any account where the User’s information is incomplete, false or violates applicable law.
The Platform provides the following core functionalities, as may be enhanced or modified from time to time:
- digital user registration and onboarding;
- multi product enquiry submission forms, with product specific fields and validation rules;
- product marketplace and knowledge repository for credit cards and other financial products;
- enquiry tracking, lifecycle status updates and operational remarks;
- The Platform may provide Users with indicative visibility of rewards and Consideration-related information associated with submitted Enquiries, including status indicators, fulfilment progress, conversion stages, approval updates, reconciliation status and payment processing updates as received or made available by the relevant Approved Partner. Consideration;
- user notifications and communication through in app messages, push notifications, SMS, email and/or integrated messaging platforms; and
- admin and operations dashboards with reporting, analytics and audit trails.
The User acknowledges that the functionalities described above represent the intended design and capabilities of the Platform and are provided on a reasonable efforts basis only. The Company does not warrant that the Platform or any feature thereof will be available, uninterrupted, error free or compatible with all devices or operating systems at all times, and reserves the right to add, modify, suspend or discontinue any feature or module without prior notice, for maintenance, upgrades, business reasons or legal/regulatory compliance.
Any indicative information, metrics or analytics displayed within the Platform (including but not limited to product comparisons, performance dashboards, estimated earnings or pipeline summaries) are provided solely for informational purposes and shall not be construed as financial, legal or tax advice, or as a guarantee of any specific outcome.

3. Consent for Collection and Use of Information

By entering, uploading or otherwise submitting any personal, financial or KYC information of customers or prospects on the Platform, the User expressly authorises the licensed associate/s to collect, store, use and process such information strictly for the purposes of: (a) capturing and validating Enquiries; (b) routing Enquiries to appropriate users and financial institutions; and (c) providing Fulfilment Services and related support.
The User undertakes that, prior to submitting any customer information or Enquiry on the Platform, he/she/it shall have obtained all consents and authorisations required under applicable laws and data protection regulations, including consents for sharing such information with their respective licensed associate/s & Approved Partner, and any other relevant financial institution/s for the purpose stated herein.
The User acknowledges that any failure to obtain such consents or any unauthorised submission of information shall be entirely at the risk and responsibility of the User, and that the respective licensed associate/s shall be indemnified against all claims and liabilities arising therefrom.
The User shall conduct all activities ethically and lawfully: no bribery, no trade of Enquires or Platform data outside this system, and no circumvention of Platform fees. The User shall comply with all applicable anti-money laundering and customer data protection laws. Any suspicious activity must be reported to licensed associate/s.
The User shall not scrape, harvest, download or export the Product Repository or Platform Data for any unauthorized purpose. Exporting product data to competitors or using it to create competing services is prohibited.

4. Account Creation and Security

Upon successful registration, each User will be issued a unique user profile ID and/or login credentials (including user ID, password and/or OTP based access), which shall serve as the reference for all Enquiries, attribution, consideration calculations, communication triggers and audit logs generated through the Platform.
The User shall be solely responsible for maintaining the confidentiality and security of their login credentials, devices and sessions, and shall not share, transfer or otherwise permit any third party to use their account. All actions taken using the User’s credentials shall be deemed to have been undertaken by the User and/or the user entity they represent.
The User agrees to (a) log out at the end of each session; (b) implement reasonable safeguards on their devices; and (c) immediately notify the licensed associate/s of any suspected unauthorised access, account compromise or security incident.

The licensed associate/s shall have the right, but not the obligation, to monitor access patterns, device fingerprints, IP logs and activity logs for security and compliance purposes and may temporarily or permanently suspend, disable or restrict access to the Platform where it suspects misuse, unusual activity, security threats or breach of these Terms.

5. Product Information Disclaimer

All information about financial products (rates, features, eligibility) in the Repository is provided “as-is” for general reference. Licensed associate/s does not guarantee accuracy or completeness and does not endorse any product. Users should independently verify details with the issuing institution. Product offers are subject to change by third parties.
Banks and insurers listed are independent entities. Licensed associate/s is not responsible for their product terms, changes, approvals or rejections. Licensed associate/s does not guarantee approval or specific outcomes. Any disputes regarding product terms must be taken up with the issuing institution.

6. Privacy and Data Processing

Licensed associate/s will handle personal data in accordance with the Privacy Policy and applicable law. We collect only necessary data for Enquiry processing, retain it only as long as needed for compliance, and implement security measures. Users can request data deletion or correction as required by law.

7. Data Retention and Business Use

Licensed associate/s may retain Enquiries, Platform Data and related records submitted through the Platform for such period as is reasonably required for business, operational, analytical, legal and compliance purposes, subject always to applicable laws in the UAE.
Such retained information may be used in, identified, pseudonymised, and/or aggregated form (as appropriate), for analytics, product improvement, performance tracking, fraud monitoring, internal audits and regulatory reporting and shall at all times be handled in accordance with Platform’s Privacy Policy and applicable data protection requirements.
Upon legitimate request of a user entity or as required by law, Licensed associate/s may provide relevant records and logs evidencing origination, routing and handling of Enquiries undertaken by the User through the Platform, which records the User agrees shall constitute prima facie evidence of such transactions.

8. Communication Policy

By providing contact information (including but not limited to mobile number, WhatsApp number and email address) on or through the Platform, the User expressly authorises Licensed Associate/s, Approved Users and their authorised representatives to contact the User for all purposes connected with sourcing, processing and fulfilment of Enquiries, including operational updates, clarifications, reminders and performance related communication.
Such communication may be made via phone calls, SMS, WhatsApp messages, emails, in app notifications or any other electronic channel, including where the contact number is registered with any applicable do not contact or preference registry , to the extent permitted by law and subject to the User’s right to withdraw consent.
The User shall ensure that the contact details provided are accurate and under his/her/its control and shall not use communication channels provided by platform (including WhatsApp accounts or other messaging tools) for any unlawful purpose, including but not limited to spamming, impersonation, harassment or dissemination of unauthorised promotions.
Licensed Associate/s shall not be liable for any delays, failures or damages arising due to limitations, outages or misuse of third party communication platforms or networks.

9. Rewards and Consideration Framework

The Platform supports a reward and Consideration tracking mechanism under which users may become eligible to receive reward points in respect of Enquiries that are successfully fulfilled into transactions by the respective bank, insurer or financial institution, subject to the commercial arrangements agreed between the Approved Partner and said user.
The User acknowledges and agrees that:
- eligibility for reward points are conditional upon completion of defined conversion events (such as approval, issuance, disbursal or policy booking), receipt of corresponding consideration from the financial institution and completion of internal verification checks;
- the mere submission of an Enquiry, or its movement to any intermediate status, does not by itself create any entitlement to rewards or Consideration; and
- rewards may be calculated and recognised only after reconciliation by the respective Approved Partner’s finance team and in accordance with applicable business rules and audit requirements.
Consideration statuses displayed in the Platform (including, by way of example, Not Eligible Yet, Under Process, Eligible, Approved, Paid, On Hold and Rejected) are for transparency and communication purposes and may be updated post further review, reconciliation or correction of errors.
In the event any enquiry is subsequently determined, at any time, to be fraudulent, fictitious, duplicated, cancelled, reversed, rejected by the relevant financial institution, or otherwise rendered ineligible for rewards point Consideration, including due to customer default, chargeback, policy lapse, early closure or breach of applicable guidelines within such period as may be prescribed by Approved Partner or the relevant financial institution, Approved Partner shall have the absolute right to reverse, recover, set-off or claw back the corresponding consideration from the licensed associate/s, including by adjustment against any existing or future Considerations payable to the licensed associate/s.
Approved Partner reserves the right, at its sole discretion, to temporarily withhold, defer or place on hold any reward or Consideration amount pending completion of reconciliation, verification, audit review, fraud checks, receipt of payment from the relevant financial institution, investigation of discrepancies, or compliance validation.
Licensed Associate/s reserves the right, at its sole discretion, to notify, report or communicate to the relevant Approved Partner or financial institution that any lead, Enquiry or transaction is suspected or determined to be fraudulent, fictitious, misleading, manipulated, duplicated or otherwise non-genuine, where such determination arises pursuant to Platform’s internal review, audit, monitoring mechanisms, reconciliation process or any investigation conducted within the scope of its operations, compliance procedures or risk assessment framework.
ERB shall have no role, control or involvement in determining the reward or consideration framework applicable to any Enquiry, transaction or conversion, and the same shall be solely determined, processed and disbursed at the discretion of the respective Approved Partner or financial institution in accordance with their respective internal policies, commercial arrangements and eligibility criteria.

10. Reward Encashment:

Users may submit a withdrawal or encashment request in respect of eligible Reward Points through the Platform, subject to applicable eligibility criteria, verification procedures and internal approval processes of Platform.
Upon submission of such request, the User shall be able to track the status of the withdrawal request through the Platform. Approved withdrawal amounts shall be credited directly to the bank account details registered by the User with the Platform.
The User shall be notified through the Platform, email, SMS, WhatsApp or other communication channels upon successful processing or completion of the withdrawal request. Licensed Associate/s reserves the right to withhold, defer, reject or reverse any withdrawal request in case of discrepancy, suspected fraud, reconciliation issues or non-compliance with applicable policies.

11. Opt Out, Grievance Redressal and Data Deletion

The User may, at any time, opt out of receiving promotional communications from Platform by following the opt out instructions provided in the relevant communication (for example, replying “STOP” where enabled) or by sending an email from his/her/its registered email ID i.e. pf.support@cashkey.ae with the subject line “Consent Revocation” to the support/grievance address notified on the Platform.
Any concerns, complaints or grievances relating to communication, data processing, misuse or unauthorised access may be escalated to the designated grievance officer at the same support address, and Licensed Associate/s shall make reasonable efforts to acknowledge and respond in accordance with applicable law and its internal policies.
Subject to legal and regulatory retention requirements in the UAE, the User (or the underlying customer, through an appropriate channel) may request deletion of personal data by submitting a “Data Deletion Request” to the notified support address; upon verification, licensed associate/s shall process such request within a reasonable period, to the extent permitted by applicable law and contractual obligations.

12. Registration, Accounts and Security

By using this Platform, the User confirms that he/she/it is of legal age, competent to contract and not disqualified under applicable laws of the UAE or any other relevant jurisdiction.
Login credentials, access IDs and passwords issued for accessing the Platform constitute “Registered Information” and shall be treated as confidential and personal to the User. The User shall be solely responsible for maintaining the confidentiality of such Registered Information and for all activities carried out using the same.
The User agrees to (a) log out at the end of each session; (b) immediately notify the licensed associates of any suspected unauthorised access, discrepancies or security breaches; and (c) cooperate with licensed associate/s in investigation and remedial steps.
ERB acts solely as a facilitator and does not operate or control the Platform. Accordingly, ERB shall not be liable for any unauthorised access, misuse, data breach, technical failure or loss arising from the operation or use of the Platform by the User or any third party.

13. Modification of Products

Platform may modify or discontinue any feature (including products in the Marketplace or Consideration structures) at any time, with notice. Users agree that new products or rates may be introduced, and old ones withdrawn, subject to any contractual commitments in force.

14. Permission/License and Platform Access

The User acknowledges that ERB possesses all legal right, title and interest in and to the Platform, including all associated intellectual property rights, whether registered or unregistered. Certain information accessible through the Platform may be confidential in nature and the User undertakes not to disclose such information without ERB’s prior written consent.
All copyrightable material, software (source and object code), design, structure, look and feel, text, graphics, images, logos, icons, interfaces, layouts, workflows, trade names, trademarks, service marks, domain names and other distinctive brand elements contained on or forming part of the Platform (collectively, the “Content”) are owned, controlled or licensed by or to ERB and are protected under applicable intellectual property and unfair competition laws.
ERB grants the User a limited, non exclusive, non transferable, revocable license to access and make legitimate use of the Platform and services solely for sourcing and submitting Enquiries in accordance with these Terms and the instructions of the User’s organisation. This license does not permit the User to:
- download or copy Content for the benefit of any third party;
- attempt to discover or reverse engineer any source code;
- assign, sell, sub license, grant security interests in or otherwise transfer any rights in the Platform or services; or
- create any competing or derivative work based on the Platform or Content.
Any unauthorised or prohibited use of the Platform or Content shall result in immediate termination of the license granted to the User, without prejudice to ERB’s right to pursue civil or criminal remedies available under applicable law.
By making use of this Platform, the User agrees, without limitation, not to:

use the Platform for any unauthorised or unrelated commercial purpose;
undertake any false, fictitious or fraudulent transaction or create fictitious Enquiries;
access, copy or monitor any part of the Platform or Content using any robot, spider, scraper, automated device or manual process without ERB’s prior written consent;
breach or circumvent any limitations, conditions or technical restrictions implemented on the Platform; or
“frame”, “mirror” or otherwise incorporate any part of this Platform into any other site, application or service without ERB’s prior written authorisation.

15. Submission of Enquiries and User Obligations

The User represents and warrants that all Enquiries, customer information, documentation and records submitted through the Platform are genuine, accurate, up to date and obtained with valid customer consent and in compliance with applicable laws and regulatory requirements.
The User shall maintain complete and accurate records of all Enquiries sourced and referred through the Platform and shall provide such supporting documents, clarifications and cooperation as may reasonably be required by the Platform, Licensed Associate/s, Approved Users or financial institutions for verification, processing, audits or compliance checks.
Submission of a Enquiry does not guarantee acceptance. Licensed Associate/s and its Approved Partners may reject any Enquiry at their discretion. Invalid Enquires include those lacking customer consent, duplicate Enquiries, incorrect information, or where the customer is already served. Licensed Associate/s will not pay any Consideration for invalid or rejected Enquires.
Any misrepresentation, suppression, fabrication, diversion or unauthorised use of customer or Enquiry data by the User shall constitute a material breach of these Terms and may result in immediate suspension or termination of access rights, without prejudice to Platform’s other rights and remedies.

16. Authorization and Indemnity

The User hereby authorises the Licensed Associate/s, its employees, agents, users, associates, subsidiaries and Approved Users to act on the User’s behalf for purposes connected with processing financial product applications and Enquiries submitted through the Platform, based on the information and documents furnished by the User.
The User shall indemnify and hold Licensed Associate/s harmless from any third-party claims, losses or damages (including legal fees) arising from (a) the User’s breach of these Terms, (b) any false or fraudulent Leads submitted by the User, (c) the User’s violation of law or rights of any third party (including intellectual property), or (d) any misuse of the Platform.”
The User acknowledges that he/she/it is solely responsible for the completeness, accuracy and lawfulness of all information and documentation provided and agrees to indemnify, defend and hold harmless Licensed Associate/s, its affiliates and their respective officers, directors, employees, agents and representatives from and against any and all claims, liabilities, losses, damages, costs and expenses arising out of or in connection with any misrepresentation, incorrect information, omission, non compliance or unlawful act on the part of the User.
This indemnity shall be in addition to any separate indemnity granted by the User’s organisation under applicable commercial agreements and shall survive termination of these Terms.

17. Limitation of Liability

The Platform is an infrastructure and workflow tool and any reports, dashboards, analytics or outputs provided (including any risk scores or performance metrics) are for informational purposes only and depend on data input by the User and information retrieved from third parties. ERB does not warrant the completeness or accuracy of such outputs and shall not be liable for any decisions, actions or omissions by the User, any organization or any customer based thereon.
To the maximum extent permitted by applicable law, Licensed Associate/s shall not be liable, whether in contract, tort (including negligence), strict liability or otherwise, for any indirect, incidental, consequential, punitive or special damages, or for any loss of business, profits, revenue, goodwill or data, arising out of or in connection with the use of or inability to use the Platform, even if advised of the possibility of such damages.
Licensed Associate/s shall not be responsible for delays, failures, interruptions or damages arising from technical issues, outages, cyber incidents or unauthorised access relating to third party systems, networks or platforms (including messaging platforms or payment systems) that integrate with or support the Platform.

18. Suspension and Termination of Access

Licensed Associate/s reserves the right, at its sole and absolute discretion, to suspend, restrict or terminate the User’s access to the Platform, with or without prior notice, in the event of: (a) any suspected or actual breach of these Terms; (b) suspected fraud, Enquiry diversion, data misuse or security incident; (c) regulatory or legal requirement; or (d) any act or omission that, in Licensed Associate/s opinion, exposes or is likely to expose Licensed Associate/s, its users or customers to legal, financial, operational or reputational risk.
Suspension or termination of access shall not affect the validity or processing of Enquiries already submitted nor shall it prejudice any rights or remedies of Licensed Associate/s or its users in relation to such Enquiries.
Upon termination, the User shall immediately cease all use of the Platform and shall not attempt to access the Platform by any means, and Licensed Associate/s may disable or delete any associated credentials, subject to applicable retention requirements.

19. Updates to Terms and Conditions

Licensed Associate/s reserves the right to amend, update or modify these Terms and Conditions at any time, at its sole discretion and in accordance with applicable UAE laws. Any revised Terms shall be published on the Platform and shall become effective immediately upon said publication, unless expressly stated otherwise.
By ticking the consent checkbox or continuing to use the Platform after said publication, the User confirms that he/she/it has read, understood and agreed to the latest version of the Terms and Conditions, including any future modifications.
Licensed Associate/s is under no obligation to provide individual notice of said changes to Users, and Users are encouraged to review the Terms and Conditions periodically to remain informed of updates.

20. Applicable Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to conflict of laws principles.
Any dispute, controversy or claim arising out of or in relation to these Terms, including any question regarding their existence, validity or termination, shall first be sought to be resolved amicably between Licensed Associate/s and the User within fifteen (15) days from the date on which one party notifies the other of such dispute in writing.
If the dispute is not resolved amicably within the said period, it shall be finally settled by arbitration by a sole arbitrator seated in Dubai, United Arab Emirates, in accordance with the Arbitration Rules of the Dubai International Arbitration Centre (DIAC), which rules are deemed to be incorporated by reference into this clause. In the event the parties are unable to agree on a sole arbitrator, the arbitrator shall be appointed in accordance with the applicable DIAC rules. The arbitral proceedings shall be conducted in the English language, and any award shall be final and binding on the parties and enforceable in any court of competent jurisdiction.
Nothing contained herein shall prevent Licensed Associate/s from seeking interim, injunctive or equitable relief from the competent courts in Dubai, UAE, to protect its rights, data, intellectual property or confidential information pending constitution or conclusion of the arbitral proceedings.
This Platform is not intended to be used in any country or jurisdiction where any part of these Terms is invalid or contrary to local law, and the User agrees not to use the Platform in any such jurisdiction.

These Terms and Conditions constitute the entire agreement in respect of the User’s access to and use of this Platform and supersede any prior understandings or arrangements relating to such subject matter, without prejudice to any separate commercial agreements.