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Doha Bank BNPL Terms and Conditions

These Terms and Conditions govern the sale of Devices and Accessories offered by Vodafone Qatar P.Q.S.C. (“Vodafone”) and for payments made through the Doha Bank Buy Now Pay Later scheme exclusively for Doha Bank credit cardholders (“Bank”). Please read these terms and conditions carefully. By availing these services, you agree to the terms and conditions below. These Terms and Conditions are supplemental to any other service terms and conditions that you/customer (“You”) may have with Vodafone and Doha Bank.

1. Purpose

• 1.1 These terms and conditions govern the sale of the Devices and Accessories indicated on the receipt purchased by you using the Doha Bank Buy Now Pay Later services.
• 1.2 The sale agreement was processed on the Doha Bank Buy Now Pay Later scheme in Vodafone’s retail stores.
• 1.3 Vodafone will process a sale of Devices and Accessories with a minimum required purchase of QR 1,000 up to the limit available in your Doha Bank credit card.

2. Purchase by Instalment

• 2.1 By processing a payment through the Doha Bank Buy Now Pay Later scheme, you irrevocably authorize the Bank:
  • To pay in full the price agreed between you and Vodafone for the Devices and Accessories you purchased; and
  • To charge to your Credit Card Account a fixed monthly instalment agreed with Vodafone until the price of the Devices and Accessories has been charged in full to the Credit Card Account.
• 2.2 The Buy Now Pay Later scheme may not be used if the value of the Devices and Accessories you purchased is less than QR 1,000.
• 2.3 You may not use the Buy Now Pay Later scheme under a temporary Credit Card limit increase.
• 2.4 You may not make a partial payment of goods or services by means of the Buy Now Pay Later scheme.
• 2.5 Upon processing the transaction, your available credit card limit will be reduced by the total amount of the transaction. The Bank will progressively restore your credit card limit as and when the instalment payments are received by the Bank.
• 2.6 Each month an equal instalment amount shall be charged to the credit card account and included in the minimum amount payable as per the credit card terms and conditions.
• 2.7 Interest and late payment charges will be levied on any overdue instalment along with all other amounts that remain overdue in the credit card account in accordance with the terms and conditions that apply to your credit card.
• 2.8 The Bank reserves the right to disqualify you from the Buy Now Pay Later scheme if any fraudulent activity on your part for the purpose of availing the benefits under the Buy Now Pay Later scheme is identified. Upon disqualification, all transactions undertaken by you under the Buy Now Pay Later scheme shall be converted to normal transactions and the total amount due and owing under the Buy Now Pay Later scheme transaction (including any applicable interest, fees, and charges) shall be immediately debited from the Account.
• 2.9 The Bank reserves the right to discontinue the Buy Now Pay Later scheme at any time without prior notice.

3. Credit Card Transactions

• 3.1 In the event you wish to pay for Devices and Accessories by instalments, you must notify Vodafone staff at the store prior to execution of the transaction by the Vodafone representative.
• 3.2 Authorization for a transaction under the Buy Now Pay Later scheme shall only be given provided you have sufficient funds in the Account to cover the total cost of the goods purchased irrespective of the fact that you will be paying for such purchase in instalments.
• 3.3 Transactions under the Buy Now Pay Later scheme shall be in accordance with these Terms; any additional terms applicable specifically to an individual Card, any additional Account terms; and any additional applicable terms and conditions.
• 3.4 Your credit card available balance under your Credit Limit shall be reduced by the total cost of goods purchased under the Buy Now Pay Later scheme irrespective of the fact that you will be paying for such purchase in instalments.

4. Instalment Payments

• 4.1 In executing a transaction under the Buy Now Pay Later scheme, you agree to pay the total amount of the transaction in equal monthly instalments.
• 4.2 The monthly instalment due from you shall be indicated in your monthly Account statement and shall form part of your total outstanding balance for transactions in the Card. The instalment amount payable under the Buy Now Pay Later scheme shall be included in the minimum amount payable as per the credit card terms and conditions.
• 4.3 Interest and late payment charges will be levied on any overdue instalment along with all other amounts that remain overdue in the credit card account in accordance with the terms and conditions that apply to your credit card.
• 4.4 The Bank reserves the right to accelerate all or part of the instalment plan by charging all or part of the purchase price to the Card Account in the event of default or breach of these terms and conditions.

5. Acceleration / Transfer of Payment

• 5.1 The Bank may, at its discretion, without notice and at any time, prevent you from availing of the Buy Now Pay Later scheme, or accelerate all or part of the Instalment Plan by charging all or part of the purchase price to the Card Account. This may happen if:
  • The Card Account is cancelled or terminated (or notice of cancellation or termination has been given) by you or the Bank for any reason whatsoever.
  • You default in the payment of any amounts due in relation to a Credit Card payment.
  • You breach any other provision of the Credit Card Terms and Conditions, these Terms and Conditions, or any other agreements between the Bank and you; or.
  • In an event of death, or a bankruptcy petition is presented against you, or you are unable to pay your debts as they fall due.
• 5.2 The Bank reserves the right not to approve the transfer of any Buy Now Pay Later scheme from one Card Account to another Card Account or another account with the Bank.

6. Indemnity

• 6.1 You agree to indemnify and hold Vodafone and Doha bank and their respective subsidiaries, affiliates, officers, directors, subcontractors, agents, and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to, connected to, or arising out of your breach of these terms and conditions, or your violation of any law or the rights of any third party.

7. Miscellaneous

• 7.1 This agreement shall be governed and interpreted by the law of the State of Qatar.
• 7.2 Any and all disputes which may arise between the Parties as to the existence, validity, effectiveness, interpretation, execution, and/or termination of this Agreement shall be referred exclusively to the Courts in Qatar.