Definitions:

aswaaq: A limited liability company established under the laws of UAE, registered with the Dubai Economic Department under license no. 587424.

wafa: is the exclusive Loyalty Program, owned by aswaaq, launched in 2008. It offers ‘aswaaq’ customers several benefits such as cash back on monthly purchases. wafa trade mark is registered with the Ministry of Economy under numbers 119663 & 103543.

wafa points: is the points earned by "wafa" members on each purchase conducted within any of aswaaq branches. The points are calculated in accordance with the terms and conditions below. A wafa point equals to 1 UAE Fils; 100 wafa points equal 1 UAE Dirham.

wafa members: are aswaaq customers registered under wafa loyalty program and carry wafa membership number.

Monthly Purchases: are all purchases conducted by wafa members in any of aswaaq branches including online shopping platform, excluding the items mentioned in the terms and conditions below.

Month: is the Gregorian month that is calculated according to the Gregorian calendar in which it begins with the beginning of each calendar month and ends by the end of it.

Smart Application: is the smart application developed by aswaaq in order to enable wafa members to view their purchase lists, earned wafa points as well as resetting their password and many other features.

Statement of Account: is the report that discloses the transactions conducted in any of aswaaq branches. The report is issued on monthly basis and can be reviewed through the website www.aswaaq.ae

Taxes and Charges: is the taxes and other charges imposed according to the Federal Law no. (7) for the year 2017 on tax procedures, it’s amendments and related executive regulations.

Payment through Wafa Points: is paying for the purchased items using wafa points that was earned through previous purchases or was loaded into the account.

Noor wafa Credit Card: is the credit card holding the two logos together, Noor bank and wafa, which offers many additional privileges to wafa members including up to 11% cash back on monthly purchases and many other benefits that can be accessed through the website of Noor bank https://www.noorbank.com/english/personal/credit-cards/wafa

Working Days: are the working days starting from Sunday to Thursday, which are not including weekends or official holidays in the country.

The Country: is the United Arab Emirates.

Promotions and Special Prices: are special promotions offered especially for wafa members from time to time.

wafa Membership

• All aswaaq customers are entitled to register in wafa program and obtain their wafa membership number to be able to use the registered account in earning and redeeming wafa
• In order to obtain wafa membership you have to be eighteen (18) years or older.
• A customer who would like to be a wafa member have to fill in the digital form with the required information in which he/she will be held liable for its accuracy and completion.
• The registration process in wafa program and obtaining a wafa membership number is done through the following:
  • Tablets available in customer service centers in all aswaaq branches.
  • aswaaq online shopping platform aswaaqonline.ae
  • visiting aswaaq website http://wafa.aswaaq.ae/memberregistration/
• Each aswaaq customer will obtain a username and pin number upon completing the registration process.
• The password can be reset through aswaaq smart application or customer service center. A text message will be sent to the registered mobile number for a deduction of 10 wafa points, which is equivalent to 10 Fils.

wafa Membership Privileges

All registered wafa members are entitled for the following benefits:

• Earning & redeeming wafa
• Up to 5% or 10 % cash back on monthly purchases.
• Enchasing the earned wafa points
• Exclusive promotions and special offers.
• Loading wafa account with points.
• Transferring points from one account to another.
• Donating the monetary value of the points to charitable organizations.
• Receiving the monthly statement of account through email.
• Using aswaaq smart application.

Earning wafa points

• Customers should present their wafa membership number or mobile number to the cashier before their transactions are processed in order to earn the points.
• A wafa Member earns one (1) wafa point for each Dirham spent in any of ‘aswaaq’ branches including the online shopping platform, excluding taxes and other fees.
• Any wafa member can double his points and enjoy extra cash benefits in accordance with the following conditions:

1- Payments through cash or wafa points:

In case the payments through cash payment or through wafa points, the additional points and the cash back on monthly purchases will be calculated as follows,

• 10 % cash back
  • A wafa member will be entitled to earn nine (9) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to or greater than AED 3,000, excluding taxes and other fees. So that the total earned points would be ten (10) for every AED 1 which equals to 10% cash back on monthly purchases.

• 5 % cash back
  • A wafa member will be entitled to earn four (4) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to AED 1,500 and less than AED 3,000, excluding taxes and other fees. So that the total earned points would be five (5) for every AED 1 which equals to 5% cash back on monthly purchases.

• 1% cash back
  • A wafa member will be entitled to earn (1) wafa point for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are less than AED 1,500, excluding taxes and other fees. So that the total earned points would be five (1) for every AED 1 which equals to 1% cash back on monthly purchases.

• A wafa member may NOT be entitled to the additional points in the following cases, provided that the member shall maintain the earning of one (1) wafa point for each Dirham spent in any of aswaaq branches including the online shopping platform, excluding taxes and other fees:
  • If the total monthly purchases of a wafa member are less than AED 1,500 excluding taxes and other fees.
  • If the total purchases of one item during a month exceeded AED 500.
  • In case of purchasing prepaid telephone cards.
  • In case of purchasing a product subject to excise taxation.

2- Payments through cards:

In case the payments are done through credit cards, debit cards, ATM cards, Nol Cards or any way other than cash payment or through wafa points, the additional points and the cash back on monthly purchases will be calculated as follows, provided that the member shall maintain the earning of one (1) wafa point for each Dirham spent in any of aswaaq branches including the online shopping platform, excluding taxes and other fees:

• 8 % cash back
  • A wafa member will be entitled to earn seven (7) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to or greater than AED 3,000, excluding taxes and other fees. So that the total earned points would be eight (8) for every AED 1 which equals to 8% cash back on monthly purchases.

• 3% cash back
  • A wafa member will be entitled to earn two (2) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to AED 1,500 and less than AED 3,000, excluding taxes and other fees. So that the total earned points would be three (3) for every AED 1 which equals to 3% cash back on monthly purchases.

• 1% cash back
  • A wafa member will be entitled to earn (1) wafa point for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are less than AED 1,500, excluding taxes and other fees. So that the total earned points would be five (1) for every AED 1 which equals to 1% cash back on monthly purchases.

3- Payment through Noor-wafa credit card:

In case the payments are done through Noor wafa credit card, the additional points and cash back on monthly purchases will be calculated as follows, provided that the member shall maintain the earning of one (1) wafa point for each Dirham spent in any of aswaaq branches including the online shopping platform, excluding taxes and other fees:

• 11 % cash back
  • A wafa member, holder of Noor-wafa credit card, will be entitled to earn ten (10) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to or greater than AED 3,000, excluding taxes and other fees. So the total earned points would be eleven (11) for every AED 1 which equals to 11% cash back on monthly purchases.

• 5% cash back
  • A wafa member, holder of Noor-wafa credit card, will be entitled to earn four and a half (4.5) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are equal to AED 1,500 and less than AED 3,000, excluding taxes and other fees. So the total earned points would be five and a half (5.5) for every AED 1 which equals to 5.5% cash back on monthly purchases.

• 2% cash back
  • A wafa member, holder of Noor-wafa credit card, will be entitled to earn one (1) additional wafa points for every AED 1, excluding taxes and other fees, spent in any of aswaaq branches including the online shopping platform, if his/her monthly purchases are less than AED 1,500, excluding taxes and other fees. So the total earned points would be two (2) for every AED 1 which equals to 2% cash back on monthly purchases.

• All earned points will be credited to the account on the 8^th day of the following month.
• wafa points will be deducted against the returned items.
• The following products are not eligible for earning wafa points and are excluded from wafa program:
  • NOL and Salik cards.
  • Purchasing gift vouchers.
  • Products paid by gift vouchers.
  • Cash donations to charitable organizations.
  • Payments against invoices and airline tickets.
  • The promotional offers offered by aswaaq from time to time.

wafa Points Redemption

Any wafa member have the right to redeem his wafa points and use them against purchases or donating its monetary value to charitable organizations or transferring them to another wafa account according to the following steps:

• Present wafa membership number or the registered mobile number to the cashier before the transactions are processed.
• Enter the pin number to finish the payment process.
• Redeemed points will be deducted from the customer’s account immediately after finishing the payment process.
• A receipt is issued for every redemption process.

Encashing wafa points

Any wafa member have the right to encash his wafa points according to the following steps:

• Present a valid Emirates ID to the cashier.
• Present wafa membership number.
• Enter the pin number to finish the encashment process.
• A receipt is issued for every encashment process.
• wafa points may be encashed between the 12^th and 22^nd day of every month.
• Encashment process is only applicable for the exchange of AED 100 and its multiples up to AED 3,000 per day.
• Encashed wafa points will be deducted from the customer’s account immediately after finishing the encashment process.

Loading wafa points to the account

Any wafa member have the right to load cash to his account by paying the amount directly to the cashier in any of aswaaq branches through the following steps:

• Present wafa membership number.
• Loading credit is accepted for any amount starting from 1 fils up to maximum AED 3,000 per day.
• Credit loaded during a working day will be reflected in the customer account balance within maximum 24 hours, while credit loaded during a weekend or public holiday will be reflected by the next working day following the weekend or public holiday.
• A wafa member will be entitled for (100) points for every AED (1) loaded.

wafa points Transfer

Any wafa member have the right to transfer his earned or loaded points to any other account according to the following steps:

• Present wafa membership number.
• Present a valid Emirates ID.
• The transfer will be reflected in the customer’s account balance within maximum 24 hours.

Statement of Account

• A monthly statement of account will be issued to each wafa member illustrating the monthly transactions happened during the same month.
• The monthly statement of account will be send to the registered email address.
• Each wafa member must review and verify the issued statement and notify aswaaq of any discrepancies within 7 working days from the date of receipt. Otherwise, the statement of account shall be considered final and approved by the wafa

wafa Points Validity

• Earned or loaded wafa points in each wafa member’s account will be valid for 24 months from the date of earning or loading them and the points will expire by the end of this period if not used or acquired by any mean mentioned in this terms and conditions.
• A wafa member cannot claim his expired points.

wafa Membership Cancellation

aswaaq strives to bring the happiness to its customers and makes every effort to maintain a high level of satisfaction about the offered products and provided services, hence, it would be of deep regret to aswaaq to receive a cancellation request from one of its loyal customers.

To cancel your membership, please visit the nearest aswaaq Supermarket/mart and submit your request through our Customer Service Counter.

A wafa Member may be entitled to encash his/her wafa points according to the terms of (Encashing wafa Points) hereto.

If value of the available wafa points is less than AED 100, the wafa Member may redeem the same in aswaaq supermarkets/marts prior cancellation or transfer it to another valid account.

General Provisions

• Each wafa member acknowledges and agrees on wafa terms and conditions and using wafa program is an implied acknowledgement and unconditional agreement with all the mentioned terms and conditions.
• aswaaq’ reserves the right to modify wafa terms and conditions at any time and without prior notice. aswaaq to announce the modifications on the website and by sending an email to wafa members on their registered email address.
• aswaaq reserves the right to decide on the promotions and discounts offered for wafa members registered in the program.
• aswaaq reserves the right to cancel any registered wafa account without prior notice.
• Each wafa member is fully responsible for the safety and security of his account and pin number and aswaaq shall not be held liable for any missing information or data or for any misuse of the account that may arise due to the negligence of a wafa
• aswaaq is expressly exempted from any liability related directly or indirectly to this program. It is also exempted from any legal use, fraudulent use, or any violation of these terms and conditions.
• Any dispute that arises from or related to the application of these terms and conditions shall be referred to the Customer Service through call center 800’aswaaq (279227) or email (wafa@aswaaq.ae); in the event that such dispute is not resolved amicably, the Member consented that any dispute shall be referred to the Small Claims Tribunal (SCT) under DIFC Courts’ Jurisdiction.
• aswaaq reserves the right to collect the following information and each wafa member complies with the same:
  • Information provided as part of the membership application and any other information provided by the members through any source of communication.
  • Information related to transactions at any of aswaaq branches.
• aswaaq retains the information throughout the active membership period to be able to provide the services related to the program. aswaaq may retain the information even after the cancelation of the membership whenever necessary to comply with the company’s legal obligations or to meet the regulatory requirements or to prevent fraud and misuse or to enforce privacy policy mentioned herein. Further, it may retain information, for a specified period, if requested by law enforcement.
• wafa member hereby authorize aswaaq to provide him/her with greetings on special occasions or to request feedback on products and services in addition to providing the members with the following:
  1. Latest promotions and offers.
  2. Personalized customer service.
  3. Online access to the statement of account.