Please read these Prepaid Card Terms of Service carefully. 

These terms apply to your application for and use of the Comera Pay Multicurrency Prepaid Card (the “Card”), which is a payment card service provided as part of the Comera Pay platform. By requesting or using a Comera Pay Prepaid Card, you agree to be bound by these Card Terms, which supplement the general Comera Pay Terms & Conditions, Privacy Policy, and other applicable policies. In case of any conflict, these Card-specific terms will prevail for issues relating to the Card.  

The Card is issued by Comera Pay L.L.C. (“Comera Pay”, “we”, “us”, or “our”), a UAE limited liability company regulated by the Central Bank of the UAE to provide Stored Value Facilities and certain payment services. Your use of the Card is subject to all applicable laws and Central Bank regulations (including SVF and RPSCS regulations). These Terms constitute a legal agreement between you (the “Cardholder”, “Customer”, or “User”) and Comera Pay regarding the prepaid card services.

1. Eligibility and Application

1.1. Eligible Users: The Card is available only to individual customers who have an active Comera Pay account in good standing. You must meet our general account eligibility requirements (e.g. at least 18 years old and a UAE resident with a valid Emirates ID). Businesses or entities are not eligible for this consumer prepaid card service. Each applicant must successfully complete our KYC (Know Your Customer) verification process, including providing required identification and proof of residence, before a Card can be issued. We reserve the right to permanently block or cancel your Card if any information you provided is found to be fraudulent, if you misrepresent your identity, or if you misuse or attempt to misuse the Card, even after issuance.

1.2. Account Requirement: To apply for a Card, you must have a Comera Pay digital wallet account (“Wallet”). The Card is linked to your Multicurrency Wallet, and all funds loaded onto or spent with the Card are drawn from your Multicurrency Wallet balance. If you do not maintain your Comera Pay account, or if your account is closed or suspended, your Card privileges may be revoked or suspended accordingly.

1.3. Application Process: Card applications are made through the Comera Pay App or other channels we designate. You must provide accurate personal information and any documentation requested during the application. We reserve the right to approve or reject card applications at our discretion (for example, if eligibility criteria are not met or due to compliance requirements). You may be required to agree to these Terms during the application/issuance process (e.g., by checking a box or signing digitally).

2. Card Types and Issuance

2.1. Virtual and Physical Cards: We offer both virtual and physical prepaid cards. A Virtual Card is a digital card (card number, expiry, and CVV) provided via the Comera Pay App, which can be used for online purchases or wallet-linked transactions without a physical card present. A Physical Card is a tangible Visa prepaid card (available in standard plastic or premium metal form factors, depending on tier) that can be used for in-store point-of-sale transactions, online purchases, and ATM withdrawals. Both virtual and physical cards function in the same manner for payments, and both are linked to the Multicurrency Wallet.

2.2. Reloadable, Multi-Currency Cards: All Comera Pay Prepaid Cards are reloadable, you can add funds multiple times, not just once. The Card supports multicurrency functionality, allowing you to transact in both AED and other currencies (as made available). You can maintain balances in various currencies within your Multicurrency Wallet and use the Card for local or international transactions with those currencies. By combining your Comera Pay Multicurrency Wallet with Card Scheme’s global acceptance network, the Card gives you the flexibility to transact both locally within the UAE and globally across multiple currencies. Wherever a Visa card is accepted worldwide, you can use your Comera Pay Card for purchases or ATM withdrawals. Currency conversion will occur automatically if you spend in a currency different from your Wallet’s available balances (see Fees section for conversion fees).

2.3. Card Tiers: Comera Pay offers multiple Card tiers to suit your needs. Higher-tier cards (e.g. Platinum and Infinite) may come with additional perks such as higher spending limits, personalized designs, lounge access, or other privileges as described in our product benefits documentation. All Card tiers are subject to these same Card Terms, unless otherwise specified. Choosing a certain tier may involve meeting eligibility criteria or paying certain fees (for example, premium metal cards might have higher issuance fees).

2.4. Issuance and Delivery: Upon approval of your Card application, we will issue the Card. Virtual Cards are issued instantly (or within a short time) and made available in your App for immediate use. Physical Cards will be personalized and delivered to you. Delivery of physical Cards will be to the address you provided (ensure your address is accurate and updated). We may use courier services for delivery, and a Card Issuance (and Delivery) Fee may apply for physical Card issuance. You are responsible for any fee disclosed at the time of requesting a physical Card. For security, physical Cards may be delivered inactive and without a pre-set PIN, and you will be required to activate them using Comera App.

2.5. Card Ownership: The Card (virtual or physical) remains the property of Comera Pay. We are granting you, as the named Cardholder, a revocable right to use the Card in accordance with these Terms. The Card is personal to you; you must not transfer or give it to anyone else to use. If we issue a personalized Card with your name, only you are authorized to use it. We may cancel or require you to surrender or destroy a Card if misuse or prohibited transfer is detected.

3. Card Activation and Security

3.1. Activation: Before use, your Card must be activated. Virtual Cards issued via the App are typically activated by default. Physical Cards will come with instructions for activation (for example, through the App or by scanning the QR code printed on the card welcome letter). To activate your Virtual Card, enter the last 4 digits of the proxy number printed on the back of your Card. The Card’s PIN (Personal Identification Number) for ATM and point-of-sale usage can be set or changed through the Comera Pay App. Do not reveal your PIN or Card credentials to anyone. If you suspect that someone else knows your PIN or card details, you should change the PIN immediately, request for replacement of the Card and report the Card as compromised. Your existing Card will be automatically blocked once the replacement request is successful.

3.2. Safeguarding Your Card: You are responsible for the safety and confidentiality of your Card. Treat your Card (and any card number or credentials) as cash. Keep the physical Card safe from loss, theft, or damage. Protect the Card number, CVV, and expiry date of virtual or physical Cards from unauthorized disclosure. Do not share screenshots of your virtual Card or allow others to copy your Card details. If you add your Card to mobile wallets or online accounts, ensure your devices and accounts are secure. We strongly recommend enabling any security features available (such as biometric lock on the App, OTP verification for certain transactions, etc.) to prevent unauthorized use.

3.3. Unauthorized Access Prevention: You must immediately notify us if you suspect any unauthorized access or usage of your Card or Wallet. Use the in-app Card control features (such as freeze Card or block Card) if available, or contact our support hotline immediately, to prevent further misuse. If your Card is lost, stolen, or you suspect unauthorized use, immediately lock your Card via the App and contact us at 800266372 or help@comerapay.com to report the issue. Follow any instructions provided (such as filing a report) so we can assist you promptly. Until you report an issue, you may be held liable for transactions made with your Card (see Lost or Stolen Card section below for details on liability). Comera Pay may also proactively block or disable a Card if we detect suspicious activity or if required for security reasons.

3.4. Card Security Measures: We employ industry-standard security measures (PCI-DSS compliant systems, encryption, etc.) to protect your Card data. Your Card data and Wallet are also protected by your account login credentials; do not share your account password and follow our security guidance. We will never ask you for your full card number, PIN, or OTP via unsolicited calls or emails. If someone claiming to be from Comera Pay asks for such sensitive information, assume it is a fraud attempt and contact us immediately through official channels.

4. Funding and Loading the Card

4.1. Source of Funds: The Card is a prepaid card and not a credit card, you must have sufficient funds in your Comera Pay Multicurrency Wallet before making transactions. You can load funds into your Wallet using the methods provided by Comera Pay (such as bank transfer, debit card top-up, cash deposit via partners, etc., as made available).  

4.2. Reloads and Top-ups: You may reload (top-up) your Wallet at any time, subject to any topup minimums or maximums we impose. We may specify a minimum amount per load or a maximum daily/monthly aggregate load amount. Details of any specific top-up limits or minimums can be found in our fee and limits schedule or will be provided in the app. Funds loaded to your Wallet are typically available immediately or within a short time after we receive them, unless the funding method involves clearance delays. We reserve the right to reject or delay a load (for example, if required by law, or if we suspect fraud or if you exceed allowed limits). In addition, Visa cards enable users to transfer funds using the Original Credit Transaction (“OCT”) method. OCT allows cardholders to send money directly from their Visa card to another Visa card, often in real-time or near real-time. This feature supports person-to-person (P2P) payments and other fund transfers securely within the Visa network. OCT transactions provide a convenient, reliable, and integrated way to move funds beyond traditional purchases, and any such OCT-based reloads or transfers are subject to applicable limits, network rules, and these Terms.

4.3. Currency Wallets: Comera Pay Multi Currency Wallet may support balances in multiple currencies (e.g. AED and other foreign currencies as made available). This includes maintaining AED and various foreign currency balances in separate, currency-specific wallets as made available. You can allocate funds to different currency wallets within your Multi Currency Wallet. Converted funds will be stored in the respective currency-specific Wallets for future use. When using the Card, if you have a balance in the transaction currency, the transaction may deduct from that balance. If that balance is sufficient, it will be used first. If not, or if that balance is insufficient, we will convert funds from your primary currency (e.g. AED) or another available balance to complete the transaction, using the applicable network or Comera exchange rate of the day and subject to applicable fees. You can also perform currency exchange within the Wallet via the App (to pre-convert currencies), which is provided at competitive rates and a fees. The in-app currency exchange feature allows you to lock in rates in advance, giving you greater control over your spending (e.g., converting AED to other currencies or vice versa before you transact). If there are no sufficient balances available in any currency (after any applicable conversions), the transaction will be declined.

4.4. No Interest on Funds: Funds stored in your Wallet (and thus accessible by your Card) do not earn any interest. The Card is a payment facility, not a deposit account. Your funds are held in compliance with Central Bank regulations on stored value; however, they will not accrue interest or investment returns.

5. Card Usage Guidelines

5.1. Accepted Locations: You may use the Card for purchases at merchants (online ecommerce websites or physical retail stores) and for cash withdrawals at ATMs, wherever Visa cards are accepted. The Card bears the Visa logo and is honored globally at millions of locations. It can be used domestically within the UAE and internationally abroad. Note that certain merchant categories or countries may be restricted due to sanctions or local regulations; we will notify you if your Card cannot be used in specific scenarios. Always look for the Visa acceptance mark, and choose “Credit” or “Debit” as applicable if asked at a POS terminal (even though it is prepaid, it may be processed over the credit/debit network).

5.2. Transaction Limits:  

5.2.1. Your Card usage is subject to wallet-specific transaction limits. These include pertransaction limits, daily spending limits, ATM withdrawal limits (which are determined by the ATM acquirer), and monthly cumulative limits, among others. Limits may vary depending on your Wallet or Card tier; higher-tier wallets/cards may offer increased spending capacity.

5.2.2. When you use the Card for a payment or ATM withdrawal, the equivalent amount will be deducted from your Wallet balance instantly or upon settlement. Specific limit values – e.g., maximum daily spend or ATM withdrawal amount – will be provided in your App or in our schedule of limits.

5.2.3. Within the Comera Pay App, you can also manage your Card controls and set preferred spending limits based on your available tier. Comera Pay reserves the right to impose or adjust limits for security, regulatory compliance, or risk management reasons at any time. We will inform you of the applicable limits at the time of card issuance and whenever significant changes occur.

5.2.4. You agree not to attempt to exceed these authorized limits; transactions that would violate the limits may be declined. In cases where OCT credits or incoming funds exceed your allowed limits, Comera Pay may temporarily hold the excess funds and process them automatically once your monthly limits reset, in accordance with applicable network and regulatory requirements.

5.3. Sufficient Balance: You must ensure you have a sufficient available balance in your Wallet before making a Card transaction. If a transaction amount (plus any applicable fees) exceeds your available balance, the transaction will typically be declined. In some cases

(such as certain offline transactions or delayed clearing), it might result in a negative balance

on your Wallet, you agree to repay any negative balance immediately. We do not provide any credit facility on the Card, so overdrafts are not permitted. If an ATM withdrawal request exceeds your balance or limit, it will be denied. Partial authorizations (where a merchant splits payment so you can use your balance and pay the rest by other means) might be possible at the merchant’s discretion, but generally the full amount must be available on your Card.

5.4. Domestic and International Use: When you use your Card in a currency other than your wallet’s primary currency (AED by default), a currency conversion will be applied. Transactions made at merchants outside the UAE or in non-AED currencies may incur a foreign transaction fee (also known as a cross-currency or cross-border fee), as outlined in the Fees section. This fee is typically a percentage of the transaction amount. To avoid or reduce conversion fees, you can use the multi-currency wallet feature by pre-loading funds in the desired currency (e.g., USD) and selecting that currency when making a transaction. Please be aware that some foreign ATMs or merchants may offer Dynamic Currency Conversion (DCC) allowing you to be charged in AED instead of the local currency. We strongly advise against selecting DCC, as it often applies unfavorable exchange rates. For the best value, choose to pay in the local currency and allow Visa/Comera Pay to handle the conversion.

5.5. Restrictions on Use: You must not use the Card for any illegal transactions or purposes. Prohibited uses include, but are not limited to: gambling or betting transactions in jurisdictions where they are unlawful, purchasing prohibited goods or services (such as narcotics, unlawful digital content, etc.), or any transaction that would violate applicable law or sanctions. Additionally, the Card may not be used for business or commercial transactions on behalf of others, it is provided for your personal use only in connection with your personal Wallet (as per our general terms, personal accounts are for individual use, not business use). We reserve the right to decline transactions that we believe are high-risk or violate these Terms or any law. For example, if we suspect a transaction is fraudulent or linked to money laundering, we may block it and contact you or authorities as needed.

5.6. Merchant Responsibilities: When you use the Card at a merchant (especially for services like hotels, car rentals, or fuel pumps), be aware that merchants may place a temporary hold (authorization) on your Card for an amount higher than the actual charge (e.g., a hotel might pre-authorize certain amount as a security deposit). This hold will reduce your available balance until the final charge is processed and the excess hold is released. We are not responsible for the length of time a merchant takes to settle a charge or release a hold. You should clarify with the merchant if any additional holds or deposits apply. Similarly, some merchants (like restaurants or salons) may present an authorization for a slightly higher amount to allow for tips, ensure you have enough balance to cover such variance if you intend to add a tip.

5.7. Declines and Transaction Issues: If a transaction is declined, you should check your Wallet balance and any notifications in the App (we may send a notification or message explaining the decline reason, e.g. insufficient funds or exceeding a limit). We are not liable for any losses or inconveniences caused by a transaction being declined. You do not have a right to overdraft, so declines for insufficient funds are not errors. If you believe a decline was in error (for instance, you had sufficient balance and stayed within limits), you can contact us to investigate. Also note that fees may be charged for certain declines, for example, a fee might apply for a declined ATM withdrawal attempt (see Fees section).

6. Fees and Charges

6.1. Using the Comera Pay Prepaid Card is subject to certain fees. We strive to maintain a transparent fee structure, and all applicable fees are disclosed in the Multicurrency Card Services and Charges schedule available on our website and under the Benefits section on the Multicurrency Card home screen within the app. By using the Card, you agree to pay the fees associated with it, which may be deducted directly from your Wallet balance.

6.2. There may be additional fees for optional services such as card personalization, expedited card delivery, or other administrative requests. At present, Comera Pay provides Transaction receipts and Transaction history in the App for free, and SMS transaction alerts are free. Any new fees or changes will be communicated to you and updated in the fee schedule.

6.3. Fee Changes: We reserve the right to modify fees and charges from time to time. Any fee changes will be communicated with advance notice in accordance with applicable regulations (typically via SMS, app notification, or an update on our website). If you continue using the Card after a fee change becomes effective, that constitutes your acceptance of the new fees. If you do not agree to a new fee, you may discontinue use of the Card and request cancellation (subject to any applicable termination conditions).

6.4. For the most current and detailed fee information, always refer to the official Prepaid Cards Services and Charges page on our website.

7. Limits and Restrictions

7.1. Account and Card Limits: In addition to fees, your Card is governed by certain usage limits for security and regulatory compliance. These limits include the maximum balance you can hold in your Wallet, the maximum amount per transaction, the maximum daily and monthly transaction volumes, and maximum ATM withdrawal amounts. Such limits are determined by Comera Pay based on your account tier, verification status, and in line with Central Bank rules for stored value facilities. For example, a basic verified user might have a wallet balance cap (e.g., AED 25,000) and monthly load/send limits, whereas a fully verified premium user can have higher limits. We will inform you which category or tier applies to you and your corresponding limits when you sign up and whenever these limits change.

7.2. Adjustments to Limits: We may adjust your limits upward or downward over time, for instance if you request a higher limit and provide additional documentation, or if we determine a need to tighten risk controls. In some cases, you might be upgraded to a higher tier (with higher limits) if you opt for a higher-tier Card (e.g., Infinite) or if you maintain a good usage history. Conversely, we might reduce limits or impose additional restrictions if required (for example, if mandated by law enforcement or if your account shows suspicious activity). Any such changes will be communicated to you via the App or email. You agree to use the Card within the stated limits and not to attempt to circumvent them by any means.

7.3. Compliance Checks: All transactions and usage of the Card are subject to compliance with anti-money laundering (AML) and combatting financing of terrorism (CFT) regulations. We may require additional information from you for certain transactions that raise flags. Comera Pay and its banking/payment partners reserve the right to delay, block, or refuse any transaction or load that is flagged by our compliance systems until sufficient information is provided or the issue is resolved. We are not liable for any losses due to such delays or blocks when we are acting in compliance with the law and our policies.

7.4. Geographical and Usage Restrictions: We may restrict card usage in certain sanctioned countries or at certain merchants as required by the Central Bank or card scheme rules. For instance, transactions in countries under international sanctions (OFAC or UN sanctions) will be blocked. Additionally, the Card should not be used for transactions involving high-risk activities that we have not approved, as per our policies. We will list any outright prohibited transaction types in our general Terms or notify you separately. Attempting prohibited transactions can result in card suspension.

7.5. Cardholder Conduct: You must use the Card in accordance with these Terms and not engage in fraud or abuse. You should not intentionally process false or fictitious transactions (for example, using your own card on a merchant device you own to create a cash-like transaction, which is prohibited). You should also refrain from excessive declines or retries if a transaction is failing, as this could trigger security flags or fees. If we identify behaviors that are not consistent with normal personal use of a prepaid card, we may reach out to you or take action on your account.

8. Card Expiration and Renewal

8.1. Expiration Date: Every physical and virtual Card will have an expiration date (month/year) printed on the card or shown in the App. You cannot use the Card after this expiration date. It is your responsibility to be aware of your card’s expiry. The card will not be usable for payments or ATM withdrawals once expired, and merchants will generally reject transactions attempted with an expired card.

8.2. Renewal or Replacement at Expiry: Comera Pay may issue you a new Card (with a new expiration date) prior to or upon the expiry of your current Card, provided your account is in good standing and the card program is still active. We will notify you in advance about the renewal process. In many cases, we will automatically ship a replacement card (especially for physical cards) a month or so before your current card expires. An annual or renewal fee may apply as per the fee schedule (if not already covered). If you have a virtual card, renewal might simply involve issuing a new virtual card number in the App. If for some reason we do not automatically renew, you may need to request a new card through the App when your old one expires.

8.3. Unclaimed Funds: The expiration of the Card does not mean the expiration of your funds. Your Wallet balance remains yours even if the card linked to it expires. If you choose not to renew a Card, you can still access your funds through the Comera Pay App (e.g., send to a bank, use other services) or request a payout, subject to our normal procedures. However, if you do not renew the card, you will lose the ability to use it for card-specific functions. If a card expires and is not renewed, and your Wallet has been inactive, it’s possible that dormancy rules may apply to the funds in the Wallet as per applicable law but we will make efforts to contact you before any action is taken on unclaimed balances.

8.4. Card Upgrade/Downgrade: If you choose to upgrade or downgrade your wallet to a different tier (for example, moving from Classic to Platinum or Platinum to Classic), your existing Virtual Card will be replaced with a new one that aligns with the features and benefits of your updated tier. This Virtual Card replacement is free of charge. If you would also like a new Physical Card reflecting the updated tier, you will need to place a separate order through the Comera Pay App. In such cases, the standard Card issuance and delivery fees will apply, as outlined in the Card Services and Charges Schedule. After your Card is replaced, please make sure to update any saved Card information with merchants, subscriptions, or digital wallets to avoid service interruptions.

9. Lost or Stolen Card, and Unauthorized Use

9.1. Reporting Loss/Theft: If your virtual or physical Card is lost or stolen, or if you suspect that your Card number has been compromised or an unauthorized transaction has occurred, please replace your Card immediately through the Comera App. Once the replacement is completed successfully, your old Card will be cancelled automatically and the remaining balance will be transferred to your new Card. For any unauthorized transactions, you may contact Comera Support to raise a dispute and request further assistance.

9.2. Liability for Unauthorized Transactions: If transactions you did not authorize occur before you report the card as lost or stolen, your liability may be limited based on the circumstances. We adhere to UAE Central Bank consumer protection guidelines. Generally, if you report within a reasonable time and you were not grossly negligent (e.g., not sharing your PIN or OTP), your liability for unauthorized charges will be limited. However, if you delay immediate reporting or if we find evidence of your negligence or involvement (e.g., you gave your card/PIN to someone), you may be held responsible for losses up to the full amount until reported. We will investigate each reported unauthorized transaction in accordance with our dispute procedures and applicable law.

9.3. Replacement After Loss: When you report a card lost or stolen, we will permanently disable that card. You can then request a new replacement card. A Card Replacement Fee may apply as noted in Fees section. The new card will have a new number and will need to be activated. Any remaining balance in your Wallet will be accessible by the new card. For virtual cards, reporting it compromised will result in that virtual card being canceled and a new virtual card number issued to you.

9.4. Transaction Disputes: If you notice a transaction in your history that you believe is incorrect or unauthorized, notify us as soon as possible. We may require you to complete a dispute form providing details of the transaction in question. We will then initiate an investigation. For unauthorized transactions (fraud), we may also require a police report or other documentation per CBUAE rules. If the dispute is about a merchant error (e.g., charged wrong amount or charged twice), you should first attempt to resolve with the merchant, but still inform us so we can assist if needed. We will credit your Wallet with a provisional amount if required by law or scheme rules during the investigation of a clearly fraudulent transaction. Final resolution may take up to 45-90 days depending on the nature of the dispute and Visa’s timelines. Our liability to reimburse you for unauthorized charges will align with applicable consumer protection laws and Card Scheme rules. If you raise a chargeback or transaction dispute, a refundable dispute processing fee may be deducted from your Wallet at the time of submission. If the dispute is resolved in your favor, this fee will be returned to you along with any reimbursed amount. If the dispute is not resolved in your favor, the fee will not be refunded. Additionally, if our investigation finds that the disputed transaction involved fraud or misuse by you, Comera Pay reserves the right to recover related costs (for example, any scheme fines or legal expenses incurred).

9.5. Cardholder Cooperation: When handling unauthorized use or disputes, your cooperation is required. This means responding promptly to our requests for information or documentation (e.g., confirming you did not make a transaction, providing any relevant communications from a merchant, etc.). If you recover a lost card after reporting it, do not use it, destroy it and inform us. Only the replacement card (with a new number) should be used going forward.

10. Multicurrency Card Dispute

10.1.  For any Card related dispute, please fill and sign the Multicurrency Card Dispute Form available at [Insert URL] and send it to our Customer Support Team for review and action.

11. Card Cancellation and Termination

11.1. Voluntary Cancellation: You may cancel your Card at any time if you no longer wish to use it. This can typically be done by contacting customer support or via the App’s card management features. Upon cancellation, your Card will be deactivated and you must stop using it (physical cards should be cut up/destroyed for security). Because the Card is linked to your Wallet, cancelling the Card does not automatically close your Comera Pay Wallet account. You will still have access to your funds through the Wallet. If you wish to completely close your Comera Pay account and Wallet, you must follow the account closure procedures in the general Terms & Conditions. Any remaining balance can be withdrawn to your bank or otherwise refunded per our standard process. Note that certain fees (for example, annual fees that have already been paid) may not be refundable upon cancellation of the card, except as required by law.

11.2. Our Right to Suspend/Terminate: Comera Pay reserves the right to suspend or terminate your Card access under certain circumstances, which include:

11.2.1. Breach of Terms: If you violate any of these Card Terms or the general Terms & Conditions (for example, misuse the card or Wallet for prohibited activities, or fail to pay fees due).

11.2.2. Fraud or Security Concerns: If we suspect your Card or account is being used fraudulently or has been compromised, we may suspend it to protect you and us.

11.2.3. Inactive Account: If your Comera Pay Wallet account becomes inactive or is closed, or if required by dormancy rules, we may cancel the Card.

11.2.4. Regulatory Requirement: If required by law, court order, or instructed by the Central Bank or other authority, we may suspend or terminate the Card.

11.2.5. Program Discontinuation: In the unlikely event that we decide to discontinue the prepaid card program or our partnership with the card network ends, we may terminate all Cards after giving you notice and an opportunity to use or redeem your funds.

11.3. Notice of Termination: Where reasonably possible (except in urgent cases like fraud), we will give you prior notice before suspending or canceling your Card. Notice may be given via email, in-app notification, or SMS. In cases of fraud or security, we might suspend first and notify immediately after for safety.

11.4. Effect of Termination: Upon termination or cancellation of the Card, you are no longer authorized to use it. Any attempted transactions with a canceled card will be declined. You remain responsible for any transactions made before termination (including those that settle after the card is canceled, if the transactions were authorized prior). If there are any pending authorizations at the time of cancellation, we may deduct those amounts from your Wallet balance (they will eventually be released or posted). You should destroy any physical card to prevent misuse. Termination of the Card alone does not terminate your overall agreement with Comera Pay for other services; your general account may remain open (unless we also terminate the entire account, which would be done per our main Terms). If we or you terminate your entire Comera Pay account, any remaining Wallet balance will be returned to you after deducting any owed fees, subject to our Refund & Cancellation Policy and applicable law.

12. Cardholder Responsibilities and Liability

12.1. Accurate Information: You are responsible for providing and maintaining accurate personal information with us (such as your mailing address, email, and phone number). Especially for physical card delivery and important notices, having your current address and contact details is critical. If you move or your contact info changes, update it promptly through the App or by contacting support.

12.2. Personal Use Only: The Comera Pay Prepaid Card is intended for your personal, individual use. You must not allow others (friends, family, or anyone) to use your Card. If you do, you will be responsible for any transactions they conduct, as we will consider them authorized by you. Never share your PIN or one-time passcodes with anyone claiming to be assisting you with a transaction; Comera Pay staff will never ask for your full PIN.

12.3. Monitoring Your Transactions: It is your responsibility to review your Wallet and Card transaction history regularly (available in the App). If you spot any discrepancies or unrecognized charges, notify us immediately (as outlined in the Unauthorized Use section). The sooner you report, the better we can assist. We recommend enabling transaction alerts (push notifications or SMS) to stay informed of card activity in real time.

12.4. Anti-fraud: The Cardholder must not engage in or attempt any fraudulent activities. If fraud is suspected or confirmed, Comera Pay may take actions including immediate Card suspension, permanent closure of your account, forfeiture of any Wallet funds related to fraudulent transactions, and reporting of the incident to the relevant authorities.

12.5. Liability Limits: Comera Pay will not be liable for certain losses, except as stated in these Terms or required by law. We will not be responsible for any indirect, consequential damages arising from your use of the Card (such as lost profits or lost opportunity), and we do not guarantee that every transaction will be completed successfully or that every merchant will accept the Card. Our liability to you for any claim arising from the Card’s use (apart from returning your actual funds in the Wallet) is limited. In particular, if a transaction is wrongly executed or unauthorized, our responsibility is to correctly deduct/credit the amount in question per the rules (and assist in dispute resolution), but we are not liable for other losses you may incur due to the issue (e.g., if a purchase you intended to make didn’t go through and caused you inconvenience).

12.6. Force Majeure: We are not liable for failures or delays in performing our obligations under these Terms if such failures result from circumstances beyond our control, such as network outages, power failures, natural disasters, war, civil unrest, or actions of third parties (including strikes or labor disputes affecting service providers). However, we will make reasonable efforts to resume services as soon as possible in such events.

12.7. Your Indemnification: You agree to indemnify and hold harmless Comera Pay, its affiliates, officers, and employees from any claims, losses, or damages (including legal fees) arising out of your breach of these Terms, your misuse of the Card, or your violation of any law or rights of a third party in connection with your Card usage. For example, if you use the Card for an illegal purpose and it causes us harm or costs (like fines), you agree to cover those costs.

12.8. No Warranty: We provide the Card and related services on an “as is” and “as available” basis, without any warranty of any kind, except as explicitly set forth in these Terms. We do not guarantee that all transactions will always process without error, or that access to Card services will be uninterrupted. However, we will exercise reasonable care and skill in providing our services. Any condition or warranty which would otherwise be implied by law (to the extent permitted by law) is excluded.

12.9. Company Liability Limits: To the maximum extent permitted by law, our liability for any claim related to the Card will not exceed the amount of the transaction in dispute or the balance stored on your Card at the time of the claim, whichever is lesser. We do not seek to exclude liability for gross negligence or willful misconduct on our part, or for any liability that cannot be limited under UAE law. But note that your acceptance of these Terms means you understand and accept these liability limitations.

13. Amendments to Terms

13.1. We may amend or update these Prepaid Card Terms of Service from time to time. Changes might be needed to reflect new features, changes in law/regulation, or adjustments to our policies. When we make changes, we will notify you by appropriate means for example, by sending an email, providing an in-app notification, or posting the updated terms on our website. Significant changes will be highlighted. Your continued use of the Card after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the revised terms, you have the right to stop using the Card and may cancel it (as described above) before the changes take effect. For minor updates that do not materially affect your rights or obligations (e.g., clarifications or typo corrections), we may not provide advance notice, but the updated Terms will always be available on our website for you to review.

13.2. We encourage you to review these Card Terms periodically to stay informed of any changes. The “Last Updated” date at the top will indicate when the latest changes were made. If you have questions about any amendment, you can contact us for clarification. Remember that alongside these Card Terms, our general Terms & Conditions and Privacy Policy might also be updated from time to time, and those updates will be communicated and handled as per their provisions.

14. Governing Law and Dispute Resolution

14.1. By using the Card, you agree that any dispute or claim arising out of or in connection with these Terms will be subject to the dispute resolution and governing law clauses of the general Comera Pay Terms & Conditions.

14.2. In practical terms, if you have a complaint or dispute related to the Card, we urge you to first contact our support team to resolve it informally. We will attempt to resolve all complaints amicably and efficiently. If we cannot resolve a dispute within a reasonable timeframe, you or we may escalate the matter according to the procedures outlined in the general Terms. This may involve mediation or arbitration if provided for, or ultimately, litigation in the courts. As a consumer, you may also have the right to raise certain issues with the Central Bank of UAE or a relevant UAE consumer protection body, and we will inform you of such rights where applicable.

15. Contact Information

15.1. If you have any questions, concerns, or need to report an issue regarding your Comera Pay Prepaid Card or these Terms, you can reach our customer support as follows:

15.1.1. Customer Support Email: help@comerapay.com

15.1.2. Customer Support Phone: 800266372

15.1.3. Mailing Address: Comera Pay L.L.C., PO Box 130666, Masdar City, Abu Dhabi, United Arab Emirates.

15.2. Our customer service is available during UAE business days between 9 AM to 5 PM. For lost or stolen cards or urgent Card issues, we recommend calling the hotline for immediate assistance. You can also find help and FAQs in the Comera Pay App or on our website. We are committed to assisting you and ensuring your experience with the Comera Pay Multicurrency Card is smooth and secure.