E-Moni Terms

E-Moni Terms and Conditions

1. Definitions: In this Agreement, unless the context requires otherwise:

“Account” means a Registered User’s account maintained by us including a record of the person’s E-Moni balance and transactions;

“Agreement” means the Registration Form, these Terms, and our policies, which together form a legally binding contract between the Registered User and Vodafone;

“Authorised Outlet” means a Vodafone outlet or third party authorised by us to provide E-Moni Services;

“E-Moni App” means our mobile application the Registered User uses to access their Account and make transactions;

“E-Moni” means the electronic value of your entitlement to cash held by Vodafone on your behalf;

“E-Moni Services” means our E-Moni services, namely providing you with an Account and the ability to debit or credit the Account, including to transfer E-Moni, or use E-Moni to pay bills and purchase goods or services;

“Fees” refers to our fees for E-Moni Services and correspondingly “fee” refers to a particular transaction fee;

“KYC information” means Know Your Customer information and comprises of any information required by law to be collected from a Registered User at any time to verify their identity or for the detection and prevention of criminal offences such as money laundering and terrorism;

“Personal Information” is information about you that we have in our records and includes KYC Information, your mobile number, and your Account records;

“PIN” means the personal identification number you will use to access your Account;

“Registration Form” means the registration form to sign up for an Account;

“Registered User”, “you” and “your” means any person with an Account;

“System” means the technical, administrative and contractual systems we use to provide E-Moni Services and includes the E-Moni App;

“Terms” means these E-Moni Terms and Conditions;

“Vodafone”, “our”, or “we” means Telecom Cook Islands Limited t/a Vodafone Cook Islands;

“VAT” refers to value added tax applicable to E-Moni Services;

“your mobile number” refers to the mobile telephone number registered to an Account.

2. Registration: To activate your Account, you must provide a completed and signed Registration Form together with any photo identification [

3. Activation & PIN: If we approve your registration, we will provide you with an activation code that you will use to activate your Account through the E-Moni App. You will be required to select a PIN that you will use to access your Account. You must keep your PIN secret and not disclose it to anyone.

4. Commencement of this Agreement: This Agreement commences when you activate your Account.

5. E-Moni Services: Once your Account is activated, you may use E-Moni Services as follows:

Go to any Authorised Outlet to credit your Account with E-Moni or to make a withdrawal;
Transfer E-Moni to any Registered User;
Pay for bills;
Purchase goods or services using E-Moni at any Authorised Outlet.

6. Fees: You will be charged a fee per transaction to use E-Moni Services. A full list of our Fees is available on our website at www.vodafone.co.ck/e-moni Fees are inclusive of VAT.

7. Transaction prerequisite: Your Account must be in credit before you can use E-Moni Services. Also, if your Account balance is insufficient to pay our fee for a given transaction you would like to make, the transaction will not be processed.

8. Our commitment to you:

We will ensure that the E-Moni balance and transactions on your Account are accurate at all times;
Subject to scheduled interruptions for System maintenance and repairs, and unforeseen System outages, we will ensure you can access your Account 24/7;
You can credit or make a withdrawal from your Account at any Authorised Outlet during its normal opening hours.

9. Your commitment to us: You agree:

We can deduct our Fees from your Account;
Not to let anyone else access or use your Account;
To only use E-Moni Services for lawful purposes;
To not use E-Moni Services in a manner that, in our sole opinion, could bring Vodafone’s brand or reputation into disrepute.

10. Suspension of Account: We may suspend your Account or decline to process any transaction if we believe that you have breached these Terms; your Account is being accessed without authorisation; or your Account is being used in an unlawful or fraudulent manner.

11. Account closure: We will close your Account on your request and any E-Moni in your Account, after deducting any Fees owing, will be redeemed for cash and paid to you. We may decide to close your Account for any of the reasons set out in clause 10 or if we are no longer providing E-Moni Services. We may do this either with or without notice to you. If we close your Account, your access to the E-Moni App will be disabled.

12. Know Your Customer: Vodafone is required by law to verify the identity of all Registered Users and to collect and keep up to date KYC Information on file. We may ask you to update your KYC Information at any time in order to maintain your Account.

13. Storage, use and release of information: Our Privacy Policy applies to our relationship with you. You can access our Privacy Policy here http://www.vodafone.co.ck/privacy-policy. We use Cookies to optimise your user experience on the E-Moni App. Cookies are small files that are stored on your device when you visit a website. The Cookies mean that the website will remember you and how you’ve used the site every time you come back. The E-Moni app may not function or may have limited functionality if your web browser does not accept Cookies.

14. E-Moni App:

The E-Moni App is available free of charge to Registered Users so that they can use E-Moni Services;
We grant you a non-exclusive, non-transferable licence to use the E-Moni App for E-Moni Services. This licence ends when your Account is closed;
You do not have any rights in the E-Moni App;
You agree not to resell, distribute, copy, modify, reverse engineer, attempt to extract the source code of the E-Moni App or otherwise deal with the application contrary to its intended purpose;
We do not guarantee the availability of the E-Moni App 24/7. It is provided to you ‘as is’ and without support or maintenance. However, we may carry out repairs or maintenance at our discretion and at any time either with or without notice to you;
You agree to follow any reasonable instructions we may give you regarding the use of the E-Moni App, including to enable Cookies or for downloading any updates to the application.

15. Communicating with you via SMS: Vodafone reserves the right to send you SMS about our services and promotions from time to time.

16. Complaints: If you have a concern or complaint regarding our services you can let us know by calling 123 or by emailing us at info@vodafone.co.ck. Our Customer Complaints & Disputes Policy is available on our website.

17. Limitation of liability: Vodafone is not liable for any loss suffered by you under this Agreement unless it is directly caused by our gross negligence. Furthermore, Vodafone’s total liability to you under this Agreement is limited to NZD$5,000 in the aggregate.

18. No warranties: To the maximum extent permitted by law Vodafone excludes warranties of any kind, either express or implied. In particular, we do not warrant that our services are fault or error free.

19. Acknowledgements: You acknowledge that availability of our services and/or the functionality of any applications used together with the services may be impacted or limited by features of your device; your connection to the internet; or if you do not update the E-Moni App as required.

20. Intellectual property: You agree not to do anything that would infringe our intellectual property rights or the rights belonging to entities in the Vodafone family, such as Vodafone Fiji PTE Limited and Vodafone Group Plc, including:

the Vodafone brand and all associated marks, taglines and other related intellectual property; and
the E-Moni App and all trademarks, copyright, database rights and other related intellectual property rights.

21. Proceeds of crime and money laundering: E-Moni Services are regulated by the Cook Islands Financial Supervisory Commission (FSC). If we are required to comply with any law, order, instruction or direction for the prevention of criminal activity or generally to comply with FSC requirements, any act or omission taken on our behalf for the purpose of complying will not be considered a breach of these Terms.

22. Changes to these Terms: We may change these Terms at any time. You can find the current Terms on our website here www.vodafone.co.ck/e-moni-tncs

23. Successors & Assigns: This Agreement is binding on the Registered User’s legal representatives, successors and assigns.

24. Governing law: These Terms are governed by the laws of the Cook Islands.

Privacy Policy

Vodafone Cook Islands (“our, we or us”) is committed to protecting your personal information. We have created this Privacy Policy to help you understand how we collect, use and protect your information.

If you want to talk to us about this Policy or any concerns or queries you have about the use of your personal information, please call us on 123 or 29680 or email us at info@vodafone.co.ck.

1. We collect information about you. Here are some sources:

a) Your application or registration form;

b) Your entry to a competition or promotion sponsored by us;

c) Customer surveys;

d) The way you use our products and services;

e) Correspondences between you and us related to the services we supply to you;

f) Social media platforms, such as Facebook;

g) Credit agencies.

h) Cookies are small files that are stored on your device when you visit a website. The cookies mean that the website will remember you and how you’ve used the site every time you visit it.

2. What information do we collect? Information we collect about you includes:

a) your name, age, gender, nationality, address, telephone number;

b) information on how you use our products and services, (such as the type, date, time, location and duration of calls or messages, the content of messages, the numbers you call, how much you spend, and information on you and the browsing and viewing activity that happens while you use internet services (including the internet sites and pages visited, your Internet Protocol (IP) address and the dates and times you or anyone using your internet services logs on and off, and the channels accessed through your TV services with us));

c) the location of your landline or mobile phone;

d) lifestyle information and any other information collected in relation to your use of our products and services;

e) If you are a vulnerable end-user, information about your disability or impediment affecting use of our services; and

f) Your credit history.

This information may be held by us while you are using our services and for a period of time afterwards. We may also monitor and record your calls to us and our calls to you.

3. What do we use your information for?

The information that we collect from you may be used by us for a number of purposes connected with our business such as:

a) processing and evidencing your orders or applications;

b) carrying out credit checking and scoring (unless we have agreed otherwise);

c) providing you with products and/or services you have requested or administering your account;

d) billing you (unless you pay by another agreed method) and collecting any debt owed to us by you;

e) settling accounts with those who provide related services to us;

f) dealing with your requests, enquiries or complaints and other customer care related activities;

g) carrying out market and product analysis, and improvements to our products and services;

h) contacting you about our products and services and the products and services of carefully selected third parties which we think may be of interest to you;

i) informing you about important community events;

j) registering your details and allocating or offering you rewards, discounts or other benefits and fulfilling any requests or requirements you may have in respect of reward programmes and other similar schemes;

k) assisting emergency services;

l) assisting with preparedness for and responding to natural disasters and civil emergencies;

carrying out any activity in connection with a legal, governmental or regulatory requirement on us or in connection with legal proceedings, n) crime or fraud prevention, detection or prosecution;

m) carrying out activities connected with the running of our business such as personnel training, quality control, network monitoring, testing and maintenance of computer and other systems and in connection with the transfer of any part of our business in respect of which you are a customer or a potential customer;

n) generally customising your experience on our sites; and

o) for general administrative and business purposes.

4. When would we share your information to others?

There may be times when we need to disclose your personal information to third parties (some of which may be based outside of the Cook Islands). Our websites and systems and those of our Group companies may also be based on servers located outside of the Cook Islands. We will only disclose your information to:

a) our Group companies who may use and disclose your information for the same purposes as us;

b) those who provide to us or our Group companies products or services that support the services that we provide, such as our dealers and suppliers;

c) other network operators to enable you to make and receive calls and send messages through other networks, so we can transfer numbers from one network to another and to monitor or investigate fraud or other offences;

d) credit reference agencies, who may share your information with other organisations and who may keep a record of the searches we make against your name;

e) debt collection agencies or companies, in order to collect any money owing by you in respect of an unpaid Vodafone bill;

f) if someone else pays your bill, such as your employer, that person;

g) those providing telephone and similar directories or directory enquiry services and other such publicly available databases and publications, except where you have specifically directed us not to;

h) anyone we transfer our business to in respect of which you are a customer or a potential customer;

i) anyone who assists us in protecting the operation of the Vodafone networks and systems, including the use of monitoring and detection in order to identify potential threats, such as hacking and virus dissemination and other security vulnerabilities;

j) anyone who may host or maintains data centres, service platforms and other infrastructure and systems on behalf of us and our Group companies, where your information is processed;

k) persons to whom we may be required to pass your information by reason of legal, governmental or regulatory authority including the Competition and Regulatory Authority, law enforcement agencies and emergency services;

l) other service providers in relation to a service used through our network to allow that service to be charged to you;

m) aggregated user statistics and other information that does not personally identify you, to third parties such as our advertisers, customers, potential customers and partners; or

n) other people who you specifically request we share your account information with – (for example, by you ‘authorising’ them on your account or by you sharing access via our Vodafone App or where you enter a third party promotion or fundraiser).

If you have not opted out of receiving marketing material from us, we may also provide your personal information to carefully selected third parties who we reasonably believe provide products or services that may be of interest to you and who have contracted with Vodafone to keep the information confidential, or who are subject to obligations to protect your personal information.

If you would like to opt-out of receiving Vodafone marketing materials, please contact 123 or, in relation to a text messages, you can unsubscribe by either going to the *888# USSD menu or using My Vodafone app. Even if you opt out, Vodafone will still need to send you essential information about your account or changes to your plans or service.

Some of our message services and selected user initiated service queries, are available to you free of charge. If you use one of these free services to request or send a message, you or the recipient of that message may receive third party advertising with the requested message, even if you or the recipient have opted out of receiving marketing messages from us.

5. What about when using our products and services outside the Cook Islands?

If you wish to use our products or services outside the Cook Islands, your information may be transferred outside the Cook Islands to that country. Please note that the data protection and other laws of countries outside the Cook Islands may apply to how your information is shared in those countries.

6. How do we protect your personal information?

We will take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete, up-to-date and stored in a secure environment protected from unauthorised access, modification or disclosure.

If you choose callerID block, we will prevent your number being shown on any receiver. Your number may still be displayed to emergency or other services, or when you send a TXT message and to us. Where you do not choose to use callerID block, your number may be displayed to the person you have called or sent a message to

7. How you can protect your personal information?

Some of our services are password-protected so that only you have access to your personal information.

You should NOT reveal your password to other people and you should change it regularly. Vodafone will never ask you for your password in an unsolicited phone call or in an unsolicited e-mail.

If you are using the internet, remember to sign out of your Vodafone account and close your browser window when you have finished. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place.

8. How can you access and update your personal information?

You have the right to access personal information about you if we hold that personal information in a way that it can be readily retrieved.

You may request access to the personal information we hold about you by sending an email to info@vodafone.co.ck. Please quote your name and address. We would be grateful if you could also provide brief details of what information you want a copy (this helps us to more readily locate your data).

In some cases, there may be a charge associated with providing copies of your personal information to you. If so, we will advise you of this prior to sending your information to you.

We will not be able to provide you with personal information if we do not know or don’t have reasonable grounds to believe it is personal information about you or if disclosing the information would involve the unwarranted disclosure of the affairs of another individual.

You can request correction or amendment of the information held by us at any time and as often as necessary by sending us an e-mail to info@vodafone.co.ck and specifying the information that you require changed. If it is reasonable in the circumstances for us to do so, we will make the requested change or correction, otherwise we’ll take reasonable steps to mark that information as having been subject to a change or correction request.

9. Internet use

We make every effort to maintain the security of our internet connections. However, for reasons outside of our control, security risks may still arise. Any personal information transmitted to us or from our online products or services will therefore be at your own risk, however we will use our best efforts to ensure that any such information remains secure. We cannot protect any information that you make available to the general public – for example, on message boards or in chat rooms.

Please note that when you are accessing a non-Vodafone website, you should always read their privacy policy or website terms and conditions – especially if you are considering providing them with your personal information. You are also responsible for maintaining the secrecy of your passwords and/or any account information.

We may use cookies and other interactive techniques such as web beacons to collect non-personal information about how you interact with our website, and web-related products and services, to:

a) understand what you like and use about our website;

b) understand what you do not like and do not use on our website;

c) provide a more enjoyable, customised service and experience,

d) enable you to use certain services on our website; and

e) help us develop and deliver better products and services tailored to our customers’ interests and needs.

We also collect IP addresses. IP addresses are assigned to computers on the internet to uniquely identify them within the global network. We collect and manage IP addresses as part of the service of providing internet session management and for security purposes.

We may use a persistent cookie to record details such as a unique user identity and general registration details on your personal computer or device. This helps us recognise you on subsequent visits to this website so that you don’t have to re-enter your registration details each time you visit us and allows us to carry out the activities mentioned above.

Most browser technology (such as Internet Explorer, Safari, Chrome etc.) allows you to choose whether to accept cookies or not – you can either refuse all cookies or you can set your browser to alert you each time that a website tries to set a cookie. You do not need to have cookies turned on to access our sites, but you may need them for customisable areas of the site that we may develop in the future, or to access and benefit from certain functionality offered by the site, or to use one of our applications.

10. Changes to our Privacy Policy

We may change this Privacy Policy from time to time and we will tell you about a change in the policy by posting an updated policy on our website. Any change we make applies from the date we post it on the website.