Last updated: Sept. 15, 2025<\/p>\n\n\n\n
These Business Terms (\u201cT&Cs\u201d) govern the use of the Dopay Business Account and related services (the \u201cCore Services\u201d) provided by Dopay Egypt LLC (\u201cDopay\u201d, \u201cwe\u201d, \u201cus\u201d). They form an integral part of the Service Agreement signed with each client (\u201cClient\u201d).<\/p>\n\n\n\n
By using the Services, the Client agrees to these T&Cs.<\/p>\n\n\n\n
Dopay is a fintech company that provides payroll and payment services to businesses and their employees, contractors, and other beneficiaries (\u201cBeneficiaries\u201d). We provide Dopay Business Accounts and related services to companies, and Dopay personal accounts, prepaid cards, and related services to Beneficiaries.<\/p>\n\n\n\n
We offer our services in partnership with Arab Banking Corporation Egypt SAE (the \u201cPartner Bank\u201d), an Egyptian bank regulated by the Central Bank of Egypt (\u201cCBE\u201d). The Partner Bank has obtained a license from CBE for Dopay to act as a Bank Agent and provide the Services.<\/p>\n\n\n\n
3.1 Subject to acceptance by the Partner Bank, Dopay will open a Dopay Business Account for the Client. This is a virtual account in the Client\u2019s name, used exclusively to pay Beneficiaries.
3.2 The Client may use \u201cDopay for Business\u201d to:<\/p>\n\n\n\n
3.3 The Client is responsible for actions of authorized users. Dopay may freeze or block access in case of disputes or suspected misuse.<\/p>\n\n\n\n
4.1 The Client may request Dopay to open personal accounts for Beneficiaries, subject to CBE KYC rules. The Client is responsible for accuracy of Beneficiary data provided.
4.2 Dopay will facilitate issuance of a prepaid card (the \u201cDopay Card\u201d) to each Beneficiary. Beneficiaries must present ID and sign proof of delivery.
4.3 Funds once credited to a Beneficiary\u2019s account cannot be recalled without the Beneficiary\u2019s consent.
4.4 Responsibility for the Dopay Card and Beneficiary account transfers to the Beneficiary once the card and account are activated.<\/p>\n\n\n\n
The Client shall:<\/p>\n\n\n\n
Dopay shall:<\/p>\n\n\n\n
7.1 Payroll instructions submitted are final and irrevocable once processed.
7.2 Beneficiary payments cannot be reversed once credited, except with the Beneficiary\u2019s consent or where required by law.
7.3 Dopay may block or delay transactions if instructions are unclear, unlawful, or suspected to involve fraud or money laundering.<\/p>\n\n\n\n
8.1 Dopay processes Client and Beneficiary data solely to provide the Services.
8.2 The Client shall ensure that the provision of Beneficiary data to Dopay complies with Egyptian Personal Data Protection Law No. 151\/2020.
8.3 Dopay will apply appropriate technical and organizational measures to protect data.<\/p>\n\n\n\n
9.1 Fees for Core Services (if any) are set out in the Client\u2019s Service Agreement or as updated by Dopay from time to time.
9.2 Fees will be deducted from the Client\u2019s Dopay Business Account, and an invoice and receipt will be issued.
9.3 If sufficient funds are not available, Dopay may suspend Services until balances are restored.<\/p>\n\n\n\n
10.1 Dopay\u2019s maximum liability is limited to six (6) months of fees paid by the Client immediately preceding the claim.
10.2 Dopay is not liable for indirect, consequential, or loss of profit claims.
10.3 The Partner Bank is responsible, as a regulated entity, for safeguarding Client funds.<\/p>\n\n\n\n
Both Parties must keep confidential all non-public information received under this Agreement. This obligation continues after termination.<\/p>\n\n\n\n
The Client represents and warrants that it has and will continue to conduct its operations in full compliance with all applicable anti-money laundering and counter-terrorist financing laws. Dopay and the Partner Bank may block or report transactions suspected of breaching AML requirements.<\/p>\n\n\n\n
13.1 If the Client has a complaint, it should first contact Dopay\u2019s account manager, call centre, or helpdesk.
13.2 If unresolved, the Client may escalate the complaint to info@cbe.org.eg (Central Bank of Egypt).
13.3 Dopay may record incoming and outgoing calls for training and compliance purposes.<\/p>\n\n\n\n
14.1 Dopay may, from time to time, promote and offer relevant products and services directly to Beneficiaries.
14.2 The Client grants Dopay the right to use its name, trade name, and logo in Dopay\u2019s marketing materials, case studies, and client lists, unless the Client provides written notice opting out.<\/p>\n\n\n\n
15.1 Dopay may update these T&Cs from time to time.
15.2 Updates will be communicated with at least thirty (30) days\u2019 notice.
15.3 Continued use of the Services after the effective date of updates constitutes acceptance. If the Client does not accept the changes, it may terminate before they take effect.<\/p>\n\n\n\n
These T&Cs are governed by Egyptian law. Disputes are subject to the exclusive jurisdiction of the Cairo courts.<\/p>\n\n\n\n
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