Aspora Plus membership terms

These Aspora Plus Membership Terms (“Membership Terms”) govern your purchase, grant, renewal and use of Aspora Plus (“Aspora Plus” or “Plus”), a recurring, cross-product membership offered through the Aspora mobile application and any associated website or platform (together, the “Platform”). They form a binding and enforceable legal contract between you (“you”, “user”, “your”) and Aspora Information Technology Services LLC SOC, which operates under the Aspora brand and provides payment services to you in the United Arab Emirates (“Aspora”, “we”, “us”, or “our”).

Note: These Membership Terms are supplemental to, and form part of, the Aspora Terms of Service applicable in the United Arab Emirates /legal/terms-of-use/ae/vance-technologies-limited ; /legal/terms-of-use/ae/invest-in-gold (the “Main Terms”). Where any Banking Benefits, as set out in clause 2.2 below, are provided in connection with an Aspora-linked bank account, the terms and conditions of our partner bank i.e., Shivalik Small Finance Bank Limited (the “Banking Terms”) also apply in addition to the terms set out herein. All defined terms used but not defined here have the meaning given in the Main Terms. Aspora Plus does not change the terms on which money transfers themselves are provided, save as expressly set out in these Membership Terms. Where these Membership Terms conflict with the Main Terms in respect of Aspora Plus, these Membership Terms prevail.

Aspora Plus is a paid membership that is offered across Aspora’s remittance and banking products. It is not a deposit, savings, investment or insurance product in itself. Aspora Plus is required to be renewed by you every three months. We do not hold a card mandate, direct debit instruction or other standing/continuous payment authority over your payment method for Aspora Plus; see clause 5.2 and clause 11 for exactly how and when you are charged.

Please read the Membership Terms carefully before purchasing Aspora Plus. By purchasing, or by accepting a free grant of, Aspora Plus you confirm that you have read, understood and agree to be bound by them. This document contains important information about your benefits, which of them depend on you also holding an eligible Aspora bank account, what they cost, how and when your membership renews, the scope of your refund or cancellation right, and a limitation of liability.

1. About these membership terms

1.1. These Membership Terms set out the terms on which we offer Aspora Plus to you, and on which you may purchase, be granted, renew and use Aspora Plus and the benefits it includes.

1.2. We may amend these Membership Terms in accordance with the Main Terms. The version of the Membership Terms in force at the start of each three-month membership term (whether your first term, a renewal term, or a term arising from a grant under clause 4A) governs that term, except where a change is required by law, by our regulators, or to correct an error, or where we reasonably consider a change is needed to reflect that a Banking Benefit or other benefits as may be made available in future with prior notification, closed, or changed under its own terms. You can review the most current version on the Platform at any time.

2. What Aspora Plus is

2.1. Aspora Plus is a three (3) month membership term, which (unless stated otherwise in these Membership Terms) you may, at your discretion, renew for further three (3) month terms under clause 11. Holding an active Aspora Plus membership entitles you, for the duration of your membership term, to the following benefits, each subject to these Membership Terms:

Remittance Benefits — active for every Aspora Plus member

• Free transfers — an entitlement to have the standard transfer fee waived on up to fifty (50) eligible transfers during your membership term (clause 6);
• On-time transfer guarantee — a membership-term variant of the Aspora guarantee under which a late transfer results in an extension of your membership term rather than a cash payout (clause 7); and
• Priority support — access to 24×7 human call support, including a “request a callback” facility (clause 8).

2.2. Banking Benefits - will not be included in your Aspora Plus membership and remain inactive until you meet the conditions in clause 2.3. “Inactive” means the benefit is already part of your membership and is waiting for you to activate it; it is never a separately-priced or locked add-on. The Banking Benefits are:

(a) Preferential transfer rate — an uplift of 0.2% above the live exchange rate we would otherwise quote you, applied to transfers you send to your own eligible NRI/NRE/NRO account issued through Aspora’s banking partner, up to a combined cap of AED 5,000 per calendar month of send volume (the “Monthly Cap”). The Monthly Cap resets every 30 days from the date your membership or perk is activated. If you activate your membership or perk part-way through a calendar month, the Monthly Cap will be available for the full 30-day period following activation. Any part of a transfer above the Monthly Cap in a given month is charged at the standard live rate, and is shown to you as a separate line in the send flow before you confirm the transfer. We may change the uplift percentage or the Monthly Cap for future membership terms. We will not reduce the uplift percentage or the Monthly Cap during a membership term you have already paid for unless we give you at least 30 days’ notice in writing, and where we do so you may cancel your membership at any time before the change takes effect and receive a refund of the fee for the unused part of your term, calculated as described in clause 9.4.

2.3. You can only use the Banking Benefits in clause 2.2 if, at the relevant time, (i) we have identified you as eligible for Aspora banking on our internal banking eligibility list for your market, and (ii) you hold an activated Aspora-linked bank account, subject to approval from our banking partner including but not limited to completion of KYC requirements and other onboarding formalities. If either condition is not met, your Aspora Plus membership consists of the Remittance Benefits in clause 2.1 only, and you will not see, and are not entitled to, any Banking Benefit, any related offer, or any “open an account” prompt on the Platform in connection with your membership. We will tell you, before you purchase, whether you are currently eligible for the Banking Benefits, so that you can decide whether Aspora Plus is right for you on the strength of the Remittance Benefits alone. If you are eligible when you purchase but we later remove you from the eligibility list during a membership term you have paid for, and the reason is not a Restricted Activity, fraud which we have reasonable grounds to believe you have committed, or a legal or regulatory requirement, you may cancel your membership and receive a refund of the fee for the unused part of your term, calculated as described in clause 9.4.

2.4. Interest. Any interest payable on funds held in an Aspora-linked bank account is a feature of that bank account under the separate Banking Terms and the account’s own published rate. It is not a benefit of, and is not granted, varied, suspended or removed by, your Aspora Plus membership, and continues to apply according to its own terms even if your Aspora Plus membership lapses, ends or is cancelled.

2.5. The benefits are personal to you and to the Aspora account through which Aspora Plus is held. They are not transferable, not assignable, and have no cash value. They cannot be exchanged, sold, or combined with any other person’s account or benefits.

3. Eligibility

3.1. To purchase Aspora Plus you must hold an active, verified Aspora account that is eligible for Aspora Plus, and you must meet all eligibility requirements under the Main Terms, including the minimum age requirement.

3.2. Whether, when and at what price Aspora Plus is offered to you is determined by us in our sole discretion and may differ between users (see clause 4). We may decline to offer Aspora Plus, or decline a purchase, where we have reasonable grounds to do so. If we decline a purchase you have attempted, we will tell you, and you may ask us to review that decision through the in-app support channels or by email at help@aspora.com.

3.3. Only one (1) active Aspora Plus membership may exist per Aspora account at any time.

4. Membership term and pricing

4.1. Term. Your first membership term begins on the date your purchase is confirmed, or the date a grant under clause 4A is triggered (the start date), and ends three (3) months after that date (the end date), unless extended under clause 7 or renewed under clause 11. The start date and end date applicable to your current membership term are shown to you at the point of purchase or grant and on your Aspora Plus page.

4.2. List price and your price. Aspora Plus has a fixed list price that is displayed on the Platform. The price you actually pay (your “Resolved Price”) may be lower than the list price where a discount applies to you. Any discount is determined by us on a per-user basis and may vary between users; some users will pay the list price. Your Resolved Price may be determined using automated processing of information about you and your account. You have the right to obtain human intervention in that decision, to express your point of view, and to contest the outcome. You may also ask us for meaningful information about the logic involved and the significance of the processing for you. To exercise any of these rights, contact us through the in-app support channels or by email at help@aspora.com, and a member of our staff will review the price offered to you and respond to you. We explain how we use your personal data for this purpose in our Privacy Notice. The same Resolved Price is shown to you across every surface of the Platform within a given session. Where no discount applies to you, you pay the list price.

4.3. The price you pay, governs. The price disclosed to you at the point of purchase, after any applicable discount, is the price that governs your purchase for that term. Any savings figures, cumulative rate-gain figures, remaining Monthly Cap allowance, break-even points or comparison values shown to you are estimates (see clause 14.4 on currency), calculated against your Resolved Price and are provided for information only; they do not form part of the contract and are not a promise of future savings.

4.4. Taxes. Prices are inclusive of applicable taxes unless stated otherwise on the Platform.

4A. The account-opening offer (limited)

4A.1 From time to time we may offer eligible members and eligible non-members a limited offer: if you open and activate an eligible Aspora bank account, you receive Aspora Plus free for twelve (12) months (the “Account-Opening Offer”). The Account-Opening Offer is a benefit that each Qualifying Member who completes the stated action receives; it is not a lottery, raffle, prize draw or game of chance.

4A.2 This does not affect any grant you have already received under clause 4A.4 before that change takes effect. The Account-Opening Offer is limited to the first 5000 members (“Qualifying Members”) who activate an eligible account while the offer is live (the “Cap”), and not to a calendar deadline. We will show you on the Platform how many places remain. We may close the Account-Opening Offer once the Cap is reached, unless extended or the Cap is increased by us, and we will intimate you in either situation: if the Cap is proposed to be increased or if the Cap has been reached and the Account-Opening Offer has been closed. If we close the offer for any other reason we will give you at least 14 days’ notice on the Platform before doing so, and we will honour every reservation and every grant made before closure. When you begin the account-opening process (your “Onboarding Start”) before the Cap has been reached, we will reserve a place within the Cap for you for 48 hours from your Onboarding Start (your “Reservation Window”). If we or our banking partner ask you for further information or documents, or hold your application for checks, your Reservation Window is paused for as long as that hold lasts. If you complete account activation within your Reservation Window, you will receive the grant described in this clause 4A, whether or not the Cap is reached by other applicants during that window. If you do not complete activation within your Reservation Window, your reservation lapses and your place is released back into the Cap, and you will receive the grant only if a place is still available when you next reach Onboarding Start. This clause does not affect any grant you have already received under clause 4A.4.

4A.3 The grant trigger is the point at which your Aspora bank account is officially KYC-verified and fully activated (equivalent to completion of your MPIN/account-activation step) — not merely starting the account-opening process.

4A.4 What you receive on the trigger date depends on your position immediately before that date: (a) if you did not hold an active, paid Aspora Plus membership, you receive a new granted-free term of twelve (12) months from the trigger date; (b) if you held an active, paid Aspora Plus membership with time remaining, the remainder of that paid term and the twelve (12) months are combined into the Aspora Plus subscription term with one new expiry date — you do not receive a refund for, or separately keep, the paid time that is absorbed into that combined term. For the avoidance of doubt, the start date of the combined term referred to in this clause 4A.4(b) shall remain the start date that applied to your paid Aspora Plus membership immediately before the trigger date, and shall not be reset or otherwise amended by virtue of this clause 4A.4(b); only the end date of your membership term is varied as set out above.

4A.5 Once made, a grant under this clause 4A cannot be revoked, shortened or reversed by us for convenience. This does not limit our rights under clause 12.4 where we reasonably believe a grant has been obtained or is being used fraudulently or through abuse of this offer (including opening, closing and reopening a bank account, or using multiple accounts, in order to obtain more than one grant under this clause 4A).

4A.6 A granted-free term under this clause 4A does not, at its end, renew in the way described in clause 11. It simply ends on its expiry date.We will give you reasonable advance notice before your granted-free term under this clause 4A expires, including how to purchase a new paid term if you wish to continue.

4A.7 The Account-Opening Offer is a separate layer on top of your Aspora Plus membership. It is not itself a Banking Benefit. Clause 2.3 governs the Banking Benefits you can use once your account is activated. It does not prevent you from claiming the Account-Opening Offer: to claim the offer you need only be identified by us as eligible to apply for an Aspora bank account, and then open and activate one.

5. Purchase and payment

5.1. You may purchase Aspora Plus on its own from the Aspora Plus page, or together with a money transfer in a single combined payment (a “Bundled Purchase”). In a Bundled Purchase, the Aspora Plus fee is added on top of the amount you are sending and any applicable transfer fee; it is shown as a separate line item.

5.2. Membership fee; no stored mandate. Each charge you pay for Aspora Plus (whether your first term, or a renewal under clause 11) is charged only at the point you make that purchase or transfer. We do not store a card mandate, direct debit instruction or other continuous/standing payment authority for Aspora Plus, and we will never attempt to charge a card or account of yours for Aspora Plus without you actively initiating a purchase or a transfer at that time. See clause 11 for how renewal charging works.

5.3. Where available, you may apply e-money in Aspora wallet (“Aspora Cash”) towards the Aspora Plus price at the point of purchase. The amount payable after any discount and any Aspora Cash applied is shown to you on the review screen before you confirm.

5.4. Payment is taken through the same payment flow used for ordinary transfers. Your membership term becomes active, and your free-transfer credits are issued, only once payment is confirmed (or, for a grant under clause 4A, once the trigger in clause 4A.3 occurs).

6. Free transfer credits

6.1. On confirmation of your purchase (or grant) of Aspora Plus membership subscription, we credit your account with fifty (50) free-transfer credits valid only during the term of the membership. Each credit waives the standard transfer fee on one eligible transfer. There is no per-transfer fee cap on the amount of money you may send using a free-transfer credit, provided that all transfers remain subject to your applicable account-level transfer limits, AML monitoring rules, and any other restrictions under the Main Terms.

6.2. One (1) credit is consumed per completed transfer. A transfer that fails or is cancelled does not consume a credit.

6.3. The fifty-credit allocation is a fixed cap for the term. Once your credits are exhausted, further transfers during the term are charged the standard transfer fee.

6.4. Free-transfer credits expire on your membership term end date (as extended under clause 7, if applicable, or as combined under clause 4A.4). Credits are not redeemable for cash, are not transferable, and any unused credits are forfeited on expiry of the membership term and cannot be reinstated.

6.5. Free-transfer credits are not the same as, and do not affect, any separate free transfers, cash rewards or promotions you may hold under the Main Terms or any other Aspora programme, which remain subject to their own terms (including the Rewards Expiry Policy in the Main Terms).

7. On-time transfer guarantee (membership term variant)

7.1. While your membership term is active, the on-time transfer guarantee applies to your eligible transfers in place of the standard cash payout under the Aspora Guarantee. If an eligible transfer is not completed within the committed turnaround time (a “TAT Breach”), we will extend your membership term end date instead of paying you cash.

7.2. Extension. Each TAT Breach extends your membership term by seven (7) days. Extensions apply per breached transfer and may chain across multiple breaches, up to a maximum total extension of twenty-eight (28) days per membership term.

7.3. No double recovery. The membership-term extension replaces, and is granted instead of, the cash payout under the Aspora Guarantee. You will receive one remedy per breach and never both a cash payout and an extension for the same breach. You may choose the standard cash payout available under the Aspora Guarantee instead of the membership-term extension. To do so, contact us through the in-app support channels or by email at help@aspora.com within 60 days of the affected transfer, and we will pay it. You do not need our approval and we will not refuse your choice. Nothing in this clause 7 limits any right to a refund, compensation or redress that you have under any regulations or other applicable law.

7.4. Effect on credits. An extension also extends the expiry of your free-transfer credits to the new membership term end date. If an extension is granted and you have no free-transfer credits remaining, we may add a limited number of additional free-transfer credits to cover the extension window.

7.5. Exclusions. The on-time guarantee does not apply where the delay arises from any circumstance excluded under the Aspora Guarantee, including (without limitation) delays caused by a request for further information or documentation, an invalid, incomplete or amended beneficiary, or where the transfer is refunded. These exclusions apply to the on-time guarantee in the same way as under the Main Terms.

7.6. Where an extension is applied, we will notify you (for example, on the transaction details for the affected transfer).

8. Priority support

8.1. While your membership term is active, you may access 24×7 human call support and request a callback through the Platform, except for scheduled maintenance, outages, or circumstances beyond our reasonable control. Where we display an expected callback or wait time, that time is an estimate and a service target only; it is not a guarantee, and actual response times may vary depending on demand and operational conditions.

8.2. Priority support under this clause 8 is a Remittance Benefit and is distinct from PBM (clause 2.2(c)), which is a Banking Benefit that is not yet available.

9. Cancellation and refund policy

9.1. Aspora Plus is sold, or granted, as a complete three-month membership term, and there is no free trial. You have a right to cancel your membership term within 15 days of purchase or grant, and to receive a refund calculated as set out in clauses 9.3 to 9.6. After that 15-day period, a membership term cannot be cancelled and the Aspora Plus fee is non-refundable, except where a refund is required by applicable law or is expressly provided for elsewhere in these Membership Terms, including clauses 2.2(a), 2.3, 11.3, 12.5 and 14.5.

9.2. By purchasing or accepting a grant of Aspora Plus you acknowledge that the benefits (including issuance of your free-transfer credits and access to priority support) are made available to you immediately on purchase or grant. Subject to your cancellation right in this clause 9, you agree that the Aspora Plus fee is non-refundable on that basis, to the fullest extent permitted by law. Nothing in these Membership Terms removes or limits any non-excludable statutory rights you may have.

9.3. Your right to cancel. You may cancel your Aspora Plus membership term within fifteen (15) days, beginning on the date that term’s purchase is confirmed or the date of the grant under clause 4A. To cancel, contact our support team through the in-app support channels, or by email at help@aspora.com, and let us know that you wish to cancel. We will then arrange your cancellation and any settlement due to you.

9.4. How we calculate any settlement. When you cancel within the 15-day period, we will refund the fee you paid less a proportionate amount for the part of your membership term that has already run. We calculate that deduction by reference to time alone. We divide the fee you paid by the number of days in your membership term, and multiply the result by the number of days from the start of your term up to and including the day we receive your cancellation. We do not deduct anything for the number of free-transfer credits you have used, for any preferential exchange rate you have received, for any priority support you have used, or for the value of any other benefit.

9.5. What you will receive. You will receive the fee you paid less the time-based deduction described in clause 9.4. Because a membership term is three (3) months and your cancellation right lasts 15 days, that deduction will never be more than around one sixth of the fee you paid. You will not be charged any further amount.

9.6. How we pay a refund. Any refund will be made using the same payment method you used to purchase Aspora Plus and where you paid using Aspora Cash, the relevant portion of any refund will be credited back as Aspora Cash, unless we agree otherwise with you. Aspora Cash refunded to you under this clause will not expire under the Rewards Expiry Policy. We will make any refund within 14 days of the day on which you tell us you are cancelling.

9.7. Effect of cancellation. On cancellation, your membership term ends with immediate effect. Any remaining free-transfer credits are forfeited, and your other Aspora Plus benefits cease.

9.8. After the cancellation period. Once the 15-day period has expired, your membership term may not be cancelled for that term, and it will continue until the end of its three (3) month term, after which clause 11 (Renewal) applies unless you exercise your right to stop renewal under clause 9.9.

9.9. Right to stop renewal. Separately from your cancellation right above, you may tell us at any time, through the in-app support channels or by email at help@aspora.com, that you do not want your membership to renew when your current term ends. Once you have told us this, we will not treat any later money transfer as an election to renew under clause 11, and your membership will simply lapse at the end of its current term. Before your membership is due to renew, we will also give you reasonable advance notice and remind you of this right.

9.10. Your statutory rights. This clause 9 is in addition to, and does not limit, any non-excludable statutory cancellation or refund rights you may have under applicable law.

10. Bundled purchases and transaction failures

10.1. This clause 10 applies where you purchase Aspora Plus together with a money transfer in a single Bundled Purchase.

10.2. Payment fails. If the payment leg of a Bundled Purchase fails, nothing is charged: no money transfer is made, no Aspora Plus membership term is created or renewed, and no credits are issued. Standard transfer-failure handling under the Main Terms applies.

10.3. Payment succeeds but the transfer cannot be fulfilled. If your payment succeeds but the money transfer cannot be completed (for example, because of an invalid beneficiary that is not corrected), we will refund the transfer amount only. Your Aspora Plus membership term remains active because your purchase of the membership term stands independently of that transfer, and your Aspora Plus page will confirm the active state.

10.4. Refunds of the transfer amount are processed through our payment partners and may be subject to the operational capabilities of those partners in your corridor. Where a partial refund of a Bundled Payment cannot be supported in a particular corridor, we will refund through the means available to us. The on-time guarantee exclusions in clause 7 apply to any transfer affected by this clause 10.

11. Renewal

11.1. Unless clause 11.5 applies to your membership, or you have told us to stop renewal under clause 9, your Aspora Plus membership may be renewed for a further three (3) month term at the end of your current term, subject to your confirmation of the renewal in accordance with Clause 11.2.

11.2. How renewal is charged. We do not hold a card mandate, direct debit instruction or other standing/continuous payment authority to charge you automatically for renewal. Instead, renewal is charged only by deduction from a money transfer that you choose to make on or after the date your current term is due to end. Before your transfer is confirmed, we will show you the applicable renewal price and ask you to confirm that you wish to renew your Aspora Plus membership for a further three (3) month term and have the renewal price deducted from that transfer. Your confirmation of the renewal and the transfer will constitute your election to renew. If you do not confirm the renewal and make a money transfer within a period of 7 (Seven) days after your current term ends (“Renewal Window”), your membership simply lapses: you will not be charged, no attempt will be made to charge any card or account of yours, and you will keep your Aspora bank account (if any) and any interest on it (clause 2.4) regardless. If you do renew during the Renewal Window, your new three (3) month term begins on the date you confirm the renewal, not on the date your previous term ended. Your Aspora Plus benefits do not apply during any gap between the end of your previous term and the date you renew.

11.3. Cooling-off period. If you confirm a renewal under clause 11.2, you may cancel that renewal within 15 (fifteen) days of your confirmation, without charge or penalty. If the renewal price has already been deducted from your transfer, we will refund it in full within 7 (seven) business days of your cancellation request. This is a refund in full: the time-based deduction in clause 9.4 does not apply where you cancel a renewal under this clause 11.3. This cooling-off right applies separately to each renewal.

11.4. Reminder Notice. We will send you a reminder notice by email or push notification before your current term ends. The reminder notice will state the date your current term ends, the price that would apply if you renew, and how to stop renewal under clause 9.

11.5. Stopping renewal. You may stop renewal at any time before it is charged. You may stop renewal by contacting us as set out in clause 9; we will confirm that renewal has been stopped within 7 (seven) business days of your request, and no renewal charge will be applied from the date of that request onward. The process for stopping renewal will not be made materially harder or slower than the process for taking out your Aspora Plus membership.

11.6. Price of renewal. The price charged for a renewal term is the list price or your Resolved Price (clause 4.2) in effect at the time of your transfer, which may differ from the price of your previous term. We will show you this price before your transfer is confirmed and before you confirm your renewal.

11.7. If you wish to continue your membership but do not make a transfer in time and your membership lapses, you may purchase a new term through the Platform, subject to clause 3 and to the price and terms then in effect.

11.8. A granted-free term obtained under the Account-Opening Offer (clause 4A) does not renew under this clause 11. It simply ends on its expiry date, as described in clause 4A.6.

12. Changes, suspension and termination

12.1. We may suspend, withdraw or terminate Aspora Plus, your membership term, or any benefit, where we are entitled to suspend or terminate your access to the Services under the Main Terms (including for a Restricted Activity, suspected fraud, or to comply with law or regulatory requirements), or where required to do so by law.

12.2. If we withdraw Aspora Plus generally, existing membership terms will continue to be honoured for their remaining term, except where we are required to act otherwise by law or where your membership term is terminated for the reasons described in clause 12.1.

12.3. On expiry or termination of your membership term, all unused free-transfer credits and Aspora Plus benefits lapse with immediate effect, and subsequent transfers are charged the standard transfer fee.

12.4. Without limiting clause 12.1, we may withhold, suspend, decline to honour, or (where a grant made under clause 4A has not yet resulted in any completed transfer using a free-transfer credit, or any use of a Banking Benefit, under that grant) reclaim a grant made under clause 4A, or restrict or suspend your access to any Aspora Plus benefit, where we reasonably believe that the Account-Opening Offer or any Aspora Plus benefit has been obtained, or is being used, fraudulently or through abuse or circumvention of these Membership Terms, including opening, closing and reopening a bank account, or holding more than one account, in order to obtain more than one grant under clause 4A. We will act reasonably and proportionately in exercising this right.

12.5. Where we terminate or withdraw your membership term under clause 12.1 for reasons other than a Restricted Activity, suspected fraud, or a legal or regulatory requirement, we will refund a pro-rata amount of your Aspora Plus fee reflecting the unused portion of your membership term for reasons other than a Restricted Activity, fraud which we have reasonable grounds to believe you have committed, or a legal or regulatory requirement, we will refund a pro-rata amount of your Aspora Plus fee reflecting the unused portion of your membership term. Where we withhold a refund on the grounds of fraud, we will tell you that we have done so, and you may ask us to review that decision through the in-app support channels or by email at help@aspora.com.

13. Limitation of liability

13.1. The limitation of liability, disclaimer and indemnity provisions of the Main Terms apply to Aspora Plus and are incorporated into these Membership Terms by reference, in addition to anything set out in this clause 13.

13.2. Savings estimates, break-even figures, callback or wait-time estimates, and similar indicative information shown in connection with Aspora Plus are provided for information only. We do not warrant that you will achieve any particular level of saving, and your actual benefit depends on how you use the Platform during your term.

13.3. Nothing in these Membership Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

13.4. The preferential rate described at clause 2.2(a) is a pricing feature applied to the exchange rate on an eligible transfer at the time you request it. It is not investment or financial advice, is not a guarantee of future exchange-rate movement, and is not a deposit interest rate or return on any deposit. It does not apply above the Monthly Cap, and is not available at all unless clause 2.3 is satisfied.

13.5. Benefits described in these Membership Terms as “coming soon” (currently, outward remittance under clause 2.2(b) and PBM under clause 2.2(c) and Gold Benefits under clause 2.5) are NOT currently available. We will notify you through the Platform when a “coming soon” benefit becomes available, together with any additional terms that apply to it. Nothing in these Membership Terms, or in any marketing referring to a “coming soon” benefit, should be read as a representation that it is presently available or will become available by a particular date.

14. General

14.1. These Membership Terms are supplemental to the Main Terms. Except as expressly modified here in respect of Aspora Plus, the Main Terms continue to apply in full, including the provisions on acceptance of terms, restricted activities, data, security, governing law, jurisdiction and dispute resolution.

14.2. If any provision of these Membership Terms is held to be invalid, unlawful or unenforceable, that provision will be severed to the minimum extent necessary and the remaining provisions will continue in full force and effect.

14.3. Our failure to enforce any provision of these Membership Terms is not a waiver of that or any other provision. Headings are for reference only and do not affect interpretation.

14.4. Currency of figures shown to you. Any cumulative savings, cumulative preferential-rate gain, total membership value, remaining Monthly Cap allowance, or similar figure shown to you on the Platform is calculated and displayed, for information only, in Dirham. Where we also show a figure in Indian Rupees, we will show the Dirham figure alongside it with equal prominence, and we will state the exchange rate and the date we used to convert it.

14.5. Eligibility list for Banking Benefits. As described in clause 2.3, Banking Benefits and the Account-Opening Offer are only shown or made available to members who are, at the relevant time, on our banking eligibility list for their market. We may add to, remove from, or otherwise change that list where we have reasonable grounds to do so. If you cease to appear on that list during a membership term you have paid for, your rights are as set out in clause 2.3, which includes a right to cancel and receive a refund of the fee for the unused part of your term.

14.6. You may not assign or transfer your Aspora Plus membership term or any benefit under it. We may assign or transfer our rights and obligations under these Membership Terms in accordance with the Main Terms.

15. Contact us

15.1. If you have any questions or complaints about Aspora Plus or these Membership Terms, including to stop your membership renewing, please contact us through the in-app support channels, including the priority callback facility, or by email at help@aspora.com. We will handle your complaint in accordance with our complaints procedure, which is available on our website and which we will send you a copy of on request. If you are not satisfied with our final response, or if we have not resolved your complaint within eight weeks, you may be able to refer your complaint to the UAE Banking and Insurance Disputes Settlement Unit (Sanadak), free of charge. You can contact the Sanadak at info@sanadak.gov.ae, by telephone on 800 72 623 25, or by post at Sanadak Unit - Emirates Institute of Finance Building - Ground Floor - Sultan Bin Zayed The First Street, Abu Dhabi, P.O. Box 95139, Abu Dhabi, U.A.E. We will handle your complaint in accordance with our complaints procedure, which is available on our website and which we will send you a copy of on request. If you are not satisfied with our final response, or if we have not resolved your complaint within eight weeks, you may be able to refer your complaint to the UAE Banking and Insurance Disputes Settlement Unit (Sanadak), free of charge. You can contact the Sanadak at info@sanadak.gov.ae, by telephone on 800 72 623 25, or by post at Sanadak Unit - Emirates Institute of Finance Building - Ground Floor - Sultan Bin Zayed The First Street, Abu Dhabi, P.O. Box 95139, Abu Dhabi, U.A.E.