Terms & Conditions

  • INTRODUCTION

      1. These Terms and Conditions are in relation to AJIB Rewards program (referred to hereinafter as the “AJIB Rewards T&C”) govern the use of the Arab Jordan Investment Bank (referred to hereinafter as “AJIB”) Loyalty Program, the collection of rewards points, the membership of the AJIB Loyalty Program (as defined hereunder) and the use of AJIB website(s) and mobile application and tablet computer application.
      2. By accessing and/or using any of the Online Services, the Member (as defined hereunder) declares that the Member read, understood, and accepted the following terms, conditions, and disclaimers in full and hereby agrees to comply with and be bound by them. This AJIB Rewards T&C may be changed or updated occasionally; therefore Members are encouraged to frequently visit these sections in order to be updated about the changes made. Modifications will be effective on the day they are posted.
  • DEFINITIONS

    For the purpose of this AJIB Rewards T&C, the following terms shall have the following meaning:
      1. “AJIB Loyalty Program” and/or “AJIB Rewards”– means the loyalty program run by AJIB pursuant to which Member earns rewards points by performing Transactions through his AJIB Rewards Products and Services and then redeeming the earned points for Rewards.
      2. [AJIB Points] – means the common loyalty currency points earned by a Member under the AJIB loyalty program and credited to that Member’s account. These points can be redeemed at the AJIB online catalog available on the AJIB website and/or mobile application, at AJIB Rewards Suppliers.
      3. AJIB Rewards Network– means the network AJIB Loyalty Program consisting of businesses where AJIB Points can be earned or redeemed.
      4. AJIB Rewards Network Partner – means any business participating in the AJIB Rewards Network and offers AJIB Points to Members.
      5. Member – means the person who is a member of the AJIB Loyalty Program and whose name is registered against the Membership Number.
      6. Membership Number – means the membership number allocated to a Member in accordance with this AJIB Rewards T&C.
      7. Member Loyalty Account – an account number that is set up under one Membership Number and which is used by Member within the AJIB Loyalty Program to earn and redeem points.
      8. PIN Code –a four-digit number sent to Member at the time of enrollment and used for redemption purposes.
      9. AJIB Rewards Products and Services –shall mean eligible Visa and MasterCard Credit Card selected by the AJIB to benefit from AJIB Rewards.
      10. Transactions –mean the transactions that are performed by Member through using his/her AJIB Rewards Products and Services.
      11. Reward(s) – goods or services supplied, by or on behalf of AJIB Loyalty Program, upon redemption by a Member of an appropriate number of points or, where permitted, a combination of cash and points.
      12. Reward Points – the points awarded through the AJIB Loyalty Program and which are issued as AJIB Points.
      13. “Suppliers” and/or “Merchants” –mean third party vendors through whom Rewards are procured and delivered.
      14. Website and Mobile Application – mean the pages and the screens applicable to the AJIB Loyalty Program available at AJIB website(s) including and/or on AJIB mobile application and/or tablet computer application.
  • AJIB LOYALTY PROGRAM MEMBERS

      1. Enrollment in AJIB Loyalty Program is free of charge and automatic for Visa Infinite and MasterCard Prestige Cardholders.
      2. Member will earn, accumulate and redeem Reward Points through the methods stated herein.
      3. AJIB will set up a Member Loyalty Account to record Reward Points earned or redeemed by the Member. Reward Points can only be redeemed once the Account is activated by using the PIN at Supplier locations or by entering it online on the Website and Mobile Application.
  • POINTS COLLECTION

    1. Member will earn Reward Points relative to the Transactions made through the AJIB Rewards Products and Services. The number of Reward Points a Member may earn is determined according to the Member’s use of AJIB Rewards Products and Services in accordance with the following:
      1. For every JOD 1 spent by AJIB Rewards Products and Services at any point of sale, the member will earn 1.5 points.

      1. Reward Points cannot be redeemed until credited to the Member’s Loyalty Account. Rewards Points are usually posted within three business days of the transaction date.
      2. Reward Points can be transferred to another Member Loyalty Account. The transfer will be subject to a transfer fee equivalent to 5% of the amount of the Reward points transferred or 100 (one hundred) Reward Points, whichever is greater, and is subject to the Bank’s approval.
      3. Reward Points can only be earned, held, transferred or redeemed as set out in this AJIB Rewards T&C. Any other use, award, sale, exchange or transfer of Reward Points, or attempt to do so, is a material breach of this AJIB Rewards T&C. Any Reward Points not earned and held in accordance with this AJIB Rewards T&C will be invalid and cannot be redeemed for Rewards. Any such Reward Points on a Member Loyalty Account will be deducted and, if they are redeemed, AJIB will cancel the relevant Rewards. The Member acknowledges that the Reward Points have no cash value.
      4. A Member who continues to collect Reward Points will get regular electronic statements via the email, provided to AJIB by the Member, of his/her position including the Reward Points collected and redeemed by such Member on their Loyalty Account.  Account information is also available on the Website and Mobile Application.
  • REDEMPTION AND REWARDS

      1. All Rewards are subject to availability and stocks may be limited. These Transactions and all Rewards are subject to the applicable terms and conditions (including booking requirements, cancellation restrictions, return conditions, warranties and limitations of liability) of the Reward’s Suppliers and/or Merchants.
      2. The number of Reward Points required to redeem any Reward can be found on the Website and Mobile Application and may change without prior notice.
      3. At the time of requesting the reward, Member’s current Reward Points balance must be at least equal to the total Reward Points value that the Reward Member is requesting. Reward offers cannot be used in conjunction with any other Reward offers unless otherwise stated.
      4. Once a Reward has been delivered or picked up, it cannot be returned or exchanged for Reward Points or other Rewards.
      5. If the Reward is faulty, the Supplier’s warranty will apply and the Member must revert to the Supplier directly for support and assistance.
      6. If a product is out of stock, we will suggest a replacement and it is the Member’s decision to accept or refuse the replacement. Where a replacement is not taken then the Reward Points will be credited back into Member’s account within 14calendardays after notifying AJIB in writing by the Member.
      7. Some Rewards may differ slightly from the image shown on the Website and Mobile Application.
      8. Rewards redeemed through the Website and Mobile Application will be delivered directly within Jordan to the address provided within a period of 14 days.
      9. Physical Rewards redeemed from the website and/or mobile application that are not claimed within six months after the date of redemption, will expire automatically without prior notice.
  • OTHER REDEMPTION TERMS

      1. AJIB cannot be held liable for any loss, theft, damage or unauthorized use of the Member’s PIN Code, or Reward, whether in the course of delivery or otherwise.
      2. All conditions and warranties, whether expressed or implied and whether arising under legislation or otherwise, as to the condition, suitability, quality, fitness or safety of any Reward supplied are expressly excluded to the full extent permitted by law. Any liability that cannot be fully excluded is limited, where permitted, to replacing, repairing or crediting the value of the Reward at AJIB’s discretion.
      3. A Member must enter his/her personal PIN Code when conducting a redemption transaction in the AJIB Loyalty Program. Additional security questions might be asked during the process.
      4. It is the Member’s responsibility to ensure the PIN Code is not compromised, shared with anyone, or mishandled. Any loss resulting from the unauthorized use of the Member’s PIN code is the Member’s responsibility alone.
  • OTHER GENERAL TERMS

      1. Reward Points have a three-year expiry date. They will be lost if expired. Additionally, they will be lost if the relevant Member’s Account is, for whatsoever reason, closed and/or the AJIB Loyalty Program ends.
      2. Redeemed Reward Points cannot be used again. If a Transaction on which Reward Points are issued and/or redeemed is cancelled or reversed before its completion or was not completed, AJIB will reverse the associated Reward Points movement. Notwithstanding the aforementioned, if the Reward Points available are insufficient to collect a Reward(s) selected by a Member, or AJIB suspects fraud or misconduct, Rewards may be refused or cancelled at AJIB’s sole discretion without incurring any liability whatsoever.
      3. Member is responsible for the security of his/her Member Account. If a PIN code is lost or the Member finds an unauthorized person has become aware of any security code, password or account number, they should contact AJIB Call Center at 065003003or change the PIN through the Website or Mobile application. AJIB is not responsible for any unauthorized use of Reward Points.
      4. AJIB may also, without notifying the Member, immediately suspend or terminate, without initiating any court proceedings, the rights of any Member and/or close any relevant Member Account, if the Member is black listed or if he/she supply false or misleading information to AJIB. A Member may close his/her Loyalty Account at any time by notifying AJIB in writing. If a Member Loyalty Account is closed, the Member’s rights to redeem Reward Points from that Account are not available as of the date of closing the Loyalty Account.
      5. AJIB may at its sole discretion make changes to this AJIB Rewards T&C from time to time and without prior notice, which shall be applicable with immediate effect unless AJIB determines otherwise. Earning or redeeming Reward Points on a Member Loyalty Account will constitute acceptance by the Member of the revised AJIB Rewards T&C. AJIB may suspend or terminate, without initiating any court proceedings, the AJIB Loyalty Program but will give notice. In such event, all Members’ Loyalty Accounts will be suspended or terminated.
      6. AJIB will only be liable to a Member who suffers a direct loss as a result of AJIB’s breach of this AJIB Rewards T&C and, if so, AJIB’s sole liability will be to credit to the relevant Member Loyalty Account any Reward Points which have been wrongly deducted or should have been credited but were not. This AJIB Rewards T&C prevail in the event of any conflict or inconsistency with any other communications, including advertising or promotional materials.
      7. Member may contact AJIB by calling the AJIB Call center. AJIB may record calls to check the quality of the services or for training, audit or security purposes.
  • WEBSITE AND MOBILE APPLICATION TERMS OF USE

      1. The Website and Mobile Application Terms of Use shall set out the legal conditions related to the Member’s use of and access to the Website and Mobile Application. By checking any acceptance boxes, clicking any acceptance buttons, submitting any text or content or simply by making any use of the Website and Mobile Application, Member: (a) accepts this AJIB Rewards T&C and agrees to be bound by each of them, and (b) represents and warrants to AJIB that (i) Member is at least18years of age and have the authority to accept these terms (either on Member’s own behalf or by having a parent or legal guardian agree to the terms set forth herein on Member’s behalf), (ii) these terms are binding and enforceable against Member,  and (iii) Member has read and understood AJIB Privacy Policy.
      2. The purpose of the Website and Mobile Application Terms of Use is to set forth the terms and conditions under which, among other things, (i) AJIB will license to the Member the use of certain AJIB's technology, software and/or services such that Member can utilize the website and Mobile Application through Member’s mobile device, and (ii) Member can access and/or use the Website. As stipulated elsewhere herein, AJIB does not exert any control over any Supplier, and as such is not liable or responsible for any actions taken or omitted to be taken by any such third party.
      3. AJIB hereby grants Member a non-transferable, non-exclusive, revocable, limited license to access and use the Website and Mobile Application strictly in the manner outlined in this AJIB Rewards T&C. AJIB may, from time to time, update or modify the Website and Mobile Application, release new versions of the Website and Mobile Application or create new modules related thereto, each of which may, at AJIB's discretion, be included within the license described above. Member shall not be permitted to sublicense or transfer any of Member’s rights hereunder including, without limitation, access to the Website and Mobile Application.
      4. Member shall not directly or indirectly copy or reproduce all or any part of the Website and Mobile Application whether electronically, mechanically or otherwise, in any form including, but not limited to, the copying of presentation, style or organization. Member shall use the Website and Mobile Application solely for its intended purposes and shall not use the Website and Mobile Application for the benefit of any third party except as specifically contemplated under this AJIB Rewards T&C. Member shall not use the Website and Mobile Application to post, transmit, convey, submit, distribute, store or destroy any content, photographs, descriptions, drawings, content, audio materials, text, messages or other information (collectively, "Posted Information"): (a) in violation of any applicable law, statute, ordinance or regulation. (b) in a manner that will infringe the intellectual property rights of others. (c) that is defamatory, obscene or trade libelous. (d) that contains any viruses, Trojan horses, worms, time bombs, cancel bots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. (e) that is false, misleading or inaccurate in any way, or (f) in violation of the any acceptable use policy or other policy posted at the Website and Mobile Application from time to time. Member shall not violate or attempt to violate the security of the Website and Mobile Application. Member shall not reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from the Website and Mobile Application, including, without limitation, any of the software comprising or in any way making up a part of the Website and Mobile Application. In addition, Member will not export, re-export or permit any third party to export or re-export, directly or indirectly, the Website and Mobile Application where such export or re-export is prohibited by applicable law without appropriate licenses and clearances. Member shall defend and indemnify AJIB, at Member’s sole cost and expense, from and against any claims, damages, liabilities and/or expenses arising out of Member’s breach of any of Member’s obligations or representations set forth in this section.
      5. Member shall be solely responsible for: (i) all Posted Information Member input into the Website and Mobile Application. (ii) ensuring that all Posted Information is appropriate in tone and is accurate. (iii) complying with all applicable laws, rules and regulations at all times. (iv) maintaining all passwords and access codes to the Website and Mobile Application, and refraining from sharing or otherwise permitting third parties to use any such passwords and/or access codes to access the Website and Mobile Application.
      6. AJIB shall be entitled, at its sole discretion and in accordance to the applicable laws, to suspend, restrict and/or terminate, without initiating any court proceedings, the Member’s access to the Website and Mobile Application or Member’s Loyalty Account if AJIB reasonably believes that he/she breaches any of the provisions of this AJIB Rewards T&C including without limitation  that the Member  have dealt with the Reward Points in a manner not permitted by this AJIB Rewards T&C, if there is any theft from or misconduct in connection with the AJIB Loyalty Program or if they are abusive or offensive to any member of AJIB’s staff. Notwithstanding the foregoing, AJIB shall not be required to review or monitor any Posted Information entered into the Website and Mobile Application or otherwise submitted by Member, and Member shall be solely responsible for the veracity and accuracy of all such data, content and information.
      7. AJIB does not currently charge its Members to access and use the Website and Mobile Application, however AJIB may, pursuant to the applicable laws, at any point and at its sole discretion, elect to begin charging fees for use of various portions of the Website and Mobile Application and/or for different levels of subscription or account.
      8. Access to the Website and Mobile Application will end, without initiating any court proceedings, if (i) Member provides written notice of termination (at which point Member shall no longer be entitled to access or use the Website and Mobile Application). For purposes of clarity, Member is entitled to terminate Member’s Loyalty account at any time. Upon termination of the Loyalty Account for any reason, Member shall no longer be entitled to access or use the Website and Mobile Application or any other non-public portions of the Website. AJIB shall not be responsible for the return of any Posted Information of any kind to Member upon any termination or suspension of Member’s access to the Website and Mobile Application, including without limitation any information input into the Website and Mobile Application by Member.
      9. All trademarks, patents, copyrights and other intellectual property rights owned by AJIB and/or the Member on the date hereof shall continue to be owned solely by each of them, and except as set forth herein, nothing in this AJIB Rewards T&C shall be deemed to confer any rights to any such intellectual property on the other.  Member acknowledges and agrees that the applicable Supplier(s) of any third party software included within the Website and Mobile Application shall own all worldwide rights, title and interest in and to such third party software (and any intellectual property rights therein), subject to such Suppliers' license, if any, of such third party software to AJIB.
      10. In exchange for Member’s use of the Website and Mobile Application, Member hereby grants to AJIB an unlimited, perpetual, irrevocable, fully-paid, transferable, assignable, sub-licensable, worldwide license to use, reproduce, modify, publish, edit, translate, distribute, commercially exploit, repurpose, perform and display any and all Posted Information Member posts to the Website and Mobile Application, or submits to AJIB, alone or as part of other works in any form, media or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sub-licensees, in connection with AJIB performing the services described herein. Finally, Member irrevocably waives, and cause to be waived, against AJIB and its Members any claims and assertions of moral rights or attribution with respect to Member’s Posted Information. AJIB shall be entitled to display advertising and/or any other content at locations of its choosing within the Website and Mobile Application, including without limitation adjacent to Member’s Posted Information.
  • Confidentiality Terms

    1. Member agrees to treat as confidential all confidential information of AJIB, not to use such confidential information for any purpose other than to the limited extent necessary to use the Website and Mobile Application and not to disclose such confidential information to any third party except as may be reasonably required pursuant to this AJIB Rewards T&C and subject to confidentiality obligations at least as protective as those set forth herein. Without limiting the generality of the foregoing, Member shall use at least the same degree of care which Member uses to prevent the disclosure of Member’s own confidential information of like importance to prevent the disclosure of confidential information disclosed by AJIB, provided, however, that in no event shall such degree of care be less than reasonable in light of general industry practice.

9.2     Without prejudice to any provisions of the relevant laws, the Member consents and authorizes AJIB to disclose his/her related information to any third party, including Suppliers, as AJIB may deem appropriate. Further, the Member consents and authorizes AJIB to use internally any information related to the Member.

  • Warranty, Disclaimers and Limitation of Liability

    1. Except as explicitly set forth herein, neither AJIB, its affiliates or any of any such party's equity holders, directors, officers, employees, agents, suppliers, licensors nor the like, makes any warranties of any kind, either expressed or implied, including, without limitation, (a) warranties of merchantability or fitness for a particular purpose, (b) that the Website or the and Mobile Application will be error-free, (c) as to a minimum level of uptime for the Website and Mobile Application, or (d) as to the results that may be obtained by Member by accepting this AJIB Rewards T&C and/or using the Website and Mobile Application. Member agrees and acknowledges that the Website and Mobile Application are licensed and/or provided hereunder on an "as is" basis. In addition, Member hereby agrees and acknowledges that: (i) AJIB shall not be responsible for any actions taken by any other party using the Website and Mobile Application or reviewing any of Member’s Posted Information. (ii) AJIB does not recommend or endorse any third parties hereunder, and makes no representations or warranties whatsoever regarding any such third party. (iii)AJIB is not a party to any transaction between Member and any Supplier, or business with which AJIB has a business relationship, and as such, any disputes regarding purchases, rewards and/or any other aspect of any transaction or other commercial dealings is solely between Member and such third party. (iv) AJIB is not responsible for any other party's compliance with applicable laws, rules or regulations. (v) AJIB shall not, under any set of circumstances, be responsible or liable for any content, text, photographs and/or other Posted Information, including any Posted Information which may violate applicable law and/or a third party's intellectual property rights. (vii) The Website and Mobile Application may not function properly or as intended at times.
    2. Member is responsible, at Member’s sole cost and expense, for providing all equipment necessary to access the Internet, the Website and Mobile Application. While it is AJIB objective to make the Website and Mobile Application accessible at all times, the Website and/or Mobile Application may be unavailable from time to time for any reason including, without limitation, routine maintenance. In addition, various portions of the Website and Mobile Application may operate slowly from time to time. Member understands and acknowledges that due to circumstances both within and outside the control of AJIB access to the Website and/or Mobile Application may be interrupted, suspended or terminated from time to time. In particular, and not in limitation of the foregoing, AJIB shall not be liable in any way for any delay in responding to an inquiry or question forwarded by Member or the effects any delay or unavailability may have on Member.
    3. MEMBER AGREES THAT AJIBSHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM ANY SUCH INTERRUPTION, SUSPENSION OR TERMINATION OF THE WEBSITE AND/OR MOBILE APPLICATION AND THAT MEMBER SHALL PUT IN PLACE CONTINGENCY PLANS TO ACCOUNT FOR SUCH PERIODIC INTERRUPTIONS OR SUSPENSIONS OF THE WEBSITE AND/OR MOBILE APPLICATION.
    4. AJIBSHALL NOT, UNDER ANY SET OF CIRCUMSTANCES, BE LIABLE TO MEMBER FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR DATA, ARISING OUT OF ACCEPTING THESE TERMS OR MEMBER’S USE OF THE WEBSITE AND MOBILE APPLICATION, WHETHER BASED IN CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
    5. AJIB shall not be liable to Member for failure or delay in performing any obligations hereunder if such failure or delay is due to circumstances beyond its reasonable control.
  • Notice

      1. Except where explicitly provided otherwise herein, any notice required or permitted hereunder will be delivered to AJIB Head Quarters located on 200 Zahran Street, Amman – Jordan.
  • Assignment

      1. Member may not, without the prior written consent of AJIB, assign the Member Loyalty Account, in whole or in part, either voluntarily or by operation of law, and any attempt to do so will be a material default of the Agreement and will be void. This AJIB Rewards T&C will be binding upon and will inure to the benefit of the respective parties hereto, their respective successors in interest, legal representatives, heirs and assigns.
  • No Third Party Beneficiaries

      1. AJIB Loyalty Program is solely for the benefit of the parties and their successors and permitted assigns, and does not confer any rights or remedies on any other person or entity.
  • Waiver

      1. The failure of either party to exercise or enforce any of its rights under the Agreement will not act as a waiver of subsequent breaches and the waiver of any breach will not act as a waiver of subsequent breaches.
  • Severability

      1. If any provision of this AJIB Rewards T&C is held by a court or other tribunal of competent jurisdiction to be unenforceable, that provision will be enforced to the maximum extent permissible under applicable law and the other provisions of the AJIB Rewards T&C will remain in full force and effect.
  • Force Majeure

      1. Neither party shall be liable to the other if such party is prevented from performing any of its obligations under the AJIB Rewards T&C (excluding fee payment obligations) due to any cause beyond the party’s reasonable control including, without limitation, an act of God, fire, flood, explosion, terrorism, war, embargo, government regulation, civil or military authority, acts or omissions of carriers, transmitters, providers, or acts of vandals, or hackers. The time for that party’s performance will be extended for the period of the delay or failure to perform due to such occurrence, except that the Member will not be excused from the payment of any sums of money owed by the Member to AJIB provided prior to the force majeure event.
  • Compliance with Laws

      1. This AJIB Rewards T&C is governed and constructed in accordance to the applicable law of the Hashemite Kingdom of Jordan and shall be interpreted according to it. The Courts of Central Amman (Qaser Aladel) is the competent court to settle any dispute arising out of this AJIB Rewards T&C.
  • Entire Agreement

    1. The  AJIB Rewards T&C constitutes the entire agreement between AJIB and the Member with respect to the subject matter hereof and all prior oral or written agreements, representations or statements with respect to such subject matter are superseded hereby.