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 CBQ Buy Now Pay Later scheme exclusively for all CBQ credit cardholders (“Bank”). Please read these terms and conditions carefully. If you avail 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 CBQ.
1.1 These terms and conditions govern the sale of the Devices and Accesories indicated on the receipt purchased by you using the CBQ Buy Now Pay Later services.
1.2 The sale agreement was processed on the CBQ 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 QR500 up to the limit available in your CBQ credit card.
2. Purchase by Instalment
2.1 Vodafone Qatar is an authorized merchant that provides for the purchase of any handsets and accessories with an amount value of QR500 or more by CBQ credit cards on an instalment basis under the Buy Now Pay Later scheme.
2.2 The principal cardholder and the supplementary cardholder may enjoy the benefits of the Buy Now pay later scheme up to the available credit limit of their credit cards.
2.3 The Buy Now Pay Later scheme may not be used in conjunction with any other promotion offered by CBQ or Vodafone Qatar.
2.4 CBQ (the bank) reserve 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.
2.5 CBQ (the bank) reserve the right to discontinue the Buy Now Pay Later scheme at any time.
3. Credit Card Transactions
3.1 In the event you wish to pay for goods by instalments you must notify Vodafone Qatar (merchant) prior to execution of the Transaction by the merchant.
3.2 Authorisation 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 Transaction 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 total amount payable under the Card for all Transactions under the Card in that month.
4.3 The monthly instalment payment shall be applied towards reduction of the outstanding amount due under the Buy Now Pay Later scheme Transaction, with the remaining outstanding amount carried forward.
4.4 As a result, the Cardholder shall be liable to pay finance charges and any other charges levied by CBQ thereon, over and above applicable interest due on the instalment transaction. The finance charges, at CBQ’s prevailing rate, will be levied using the average daily balance method upon the Cardholder’s opening balance and all new transactions posted, including any applicable fixed monthly instalment amount and interest thereon, within the statement period accrued from the transactions’ posting date until the end of the current statement period.
4.5 Payment Holiday will not postpone the due instalment amount of the Buy Now Pay Later scheme.
5.1 You agree to indemnify and hold Vodafone 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, connected to, or arising out of you or your breach of these terms and conditions, or your violation of any law or the rights of any third party.
6.1 This agreement shall be governed and interpreted by the law of the State of Qatar.
6.2 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.