Prepaid Contract

Emtel Prepaid General Terms and Conditions of Service


In these Terms and Conditions, the following words will have the following meaning unless the context otherwise requires:

  • Airtime credit means mobile credit available on the SIM so as to allow the usage of the Service offered by EMTEL.
  • “EMTEL”  means EMTEL LTD, a private limited company, registered under the Laws of Mauritius having its principal place of business at EmtelWorld, 10, Ebene Cyber City, Ebene and bearing business registration number C06006174
  • ForceMajeure” means an event or circumstance beyond the direct control of EMTEL. Force Majeure events shall include, but will not be limited to, acts of God, fire, floods, cyclones, earthquakes, epidemics, strikes, lockouts, riots, effects of war, civil commotion, political unrest and governmental acts, proclamations and regulations (including export and import control regulations and foreign exchange regulations).
  • “Subscriber” means a licensed user of the EMTEL System through the use of the SIM
  • “Subscriber Equipment”  means any equipment  acceptable to EMTEL and capable of providing a two way cellular communication  service in the EMTEL System in accordance with this agreement.
  • “Service” means the telecommunication Service and/or any other Services as EMTEL may choose to make available via System from time to time.
  • “System” means the Telecommunication System as made available by EMTEL.
  • “SIM Card” means Subscriber Identity Module serviced by EMTEL
  • “Regulatory Authority” means the Information and Communication Technologies Authority or any such

Authority regulating the Service.

• “Value Added Services” means any additional features and services which EMTEL may offer on theService otherthanthe standard prestation offered by EMTEL. Such Value Added Services shall in addition to the present General Terms & Conditions be subject to specific terms & conditions, to which the Subscriber agrees to automatically upon activation and usage of the said Valued Added Service.

  • “Supplier” means any entity with whom EMTEL directly or indirectly deals to offer a Service and includes content providers.
  • “Validity period”  in relation to  airtime credit  shall be the maximum time period, after activation, during which the subscriber will be allowed to access the Service or Value Added Services as may be provided by EMTEL from time to time.

Throughout this agreement, whenever required by context, the use of the singular number shall be constructed to include the plural, and the use of the plural the singular, and the use of any gender shall include all genders.

Consent of Electronic record

The Subscriber herewith through the use of the Service acknowledges and agrees:

To be bound by the terms and conditions in electronic form thereof;

The electronic records of the terms and conditions fully satisfies any requirement that such communication be provided in writing or in a format that the Subscriber may keep;

At any time, request of a paper version of the said electronic terms and conditions of service may be made;

The electronic record shall not be denied legal effect, validity or enforceability solely on the ground that it is in electronic form.

 Connection to the System and provisions of the Service

• EMTEL will provide to the Subscriber a SIM Card with a telephone number for use through the EMTEL Network. The Subscriber shall purchase airtime credit through such facilities as may be made available by EMTEL to enable him to make calls or make such use of service through the EMTEL System. The Subscriber agrees that such facilities for purchase of air time is subject to such terms and conditions entered between the Subscriber with such Supplier. The Subscriber further undertakes to update directly such Supplier of any discontinuation or change in SIM Card.

• The terminal is to be used with the SIM Card connected solely through the EMTEL Network. A fee as determined by EMTEL from time to time shall be payable if it is to be adapted for use through any other network.

• This service allows the holder of an EMTEL SIM to make and receive national and international calls (the international Service) through International Long Distance Operators selected or pre-selected by the Subscriber. Charges for International Service include both the charges by EMTEL and the charges levied by the International Long Distance Operators. The charges levied on behalf of the International Long Distance Operator shall also be deducted by EMTEL and the airtime credit shall be debited of the amount of the aforesaid charges or a separate billing shall be done, whichever is applicable.

• EMTEL may also offer Value Added Services for use by the Subscriber. Value Added Services will be provided upon the Subscriber’s request and EMTEL’s acceptance. Such Value added service may be provided at cheaper rates or free of charge for a trial period determined by EMTEL, to certain or all of EMTEL customers. Such fees as may be determined by Emtel shall be payable for those Value Added Services.

• The Subscriber agrees to EMTEL deducting any fee or charges which may occur in the provision of the Service, as well as the charges for calls in accordance with the tariff charged for the Service including calls and the fees or charges for the Value Added Services at the rates established by EMTEL. The Airtime credit available shall then be debited of the amount of the aforesaid fee or charges. EMTEL reserves the right to change the Terms, Conditions, and Provisions under which the Service is offered, including but not limited to variation of any or all of its charges/ tariffs and charging mechanisms for the Service, by giving reasonable prior notice wherever possible to Subscriber and by publishing amended tariffs at the main place of business of EMTEL or which shall be available at such other place or published by the means of such other medium as may be decided by EMTEL. Such amendments and/or variations shall have immediate effect and his agreement shall be amended and/or varied accordingly.

• The Prepaid Scratch Card  used for crediting airtime or such other methods of credit recharge shall be available in and be valid for different values corresponding to the respective validity periods stated therein. The Prepaid Scratch Card and such other methods of credit recharge shall remain valid for the use on the EMTEL network within the validity period as stated therein or until the airtime is used whichever occurs first.

On the expiry of the validity period, the airtime credit shall be deactivated and any unused amount shall be carried forward upon recharge of credit, within such time as may be determined by EMTEL from time to time.

• The subscriber may check his credit by dialing *122# or through such other code as may be communicated from time to time by EMTEL and no printed document  will be issued to the subscriber.

• Once the validity period of the airtime credit has expired and the subscriber does not recharge the SIM with fresh airtime credit, the SIM Card shall be deactivated and shall be disconnected from the system by EMTEL. EMTEL is not bound to give any further notice whatsoever to the Subscriber and may reassign such SIM Card at its sole discretion.

• NO reconnection following disconnection, of a SIM Card would be applicable where disconnection results from inactivity for period of 6 months or such other timeframe as may be determined by EMTEL.

• EMTEL shall use all reasonable endeavours to ensure that the Subscriber shall be able to remain connected to the System as long as the Subscriber abides by the provisions of this service agreement.

• EMTEL reserves the right to disconnect or refuse Service to a Subscriber, if EMTEL is of the opinion that the Subscriber has failed to observe or perform any of the Terms and Conditions of this agreement, any provision or regulation imposed by the Regulatory Authority and/or any other relevant law in force from time to time.

• EMTEL reserves the right to summarily and at any time suspend or terminate the Service with the Subscriber without having to give to the subscriber any reasons whatsoever therefore.

• EMTEL may at any time and from time to time modify or discontinue, temporarily, or permanently, the Service (or any part thereof) with or without notice if EMTEL considers such modification or discontinuation is desirable.

• EMTEL shall not be liable for any loss or inconvenience to the Subscriber or to any third party resulting therefrom.

• EMTEL shall not incur any liability by reason of the suspension or the termination of the Service.

• EMTEL shall not be liable for any loss or damage which may be occasioned through any interruption or loss of the Service due to any cause whatsoever including but not limited to lack of coverage.

• EMTEL shall not be liable to the Subscriber or any third party with respect to any action taken or omitted to be taken by EMTEL in connection with or arising from this agreement.

• EMTEL shall not be liable to the Subscriber or any third party for indirect or unforeseeable losses. EMTEL shall in no event be liable to third parties for the execution of the Service.

• EMTEL shall not be liable for loss, damage to health and/or property otherwise through use of mobile cellular phones and/or from use of Service. The Subscriber formally and expressly agrees that the use of the Service is at his sole risks.

•Emtel shall not be liable to the Subscriber for any loss of business, profit, revenue, goodwill, anticipated savings, use or contracts or for any indirect or consequential loss however it arises.

• Under no circumstances shall the liability of Emtel exceed the aggregate value of the Subscriber equipment or of the average usage of the preceding 12 months of usage of service (excluding roaming facilities), whichever is lesser.  

•EMTEL shall not be liable to provide the service in the event of a Force Majeure or for acts or omissions of persons or bodies for whom EMTEL is not responsible or any other cause, whether similar or dissimilar, outside EMTEL’s control.

• No liability of any nature whatsoever shall be incurred by EMTEL on the happening of a ‘Force Majeure’ or any such events as aforesaid.

• No delay, neglect or forbearance on the part of EMTEL in enforcing any provision of this agreement shall be deemed to be a waiver or in any way create a precedent or in any prejudice EMTEL’s right under this agreement.

• EMTEL reserves the right to disclose any information on the subscriber and the details of the service provided to the relevant authorities in accordance with the prevailing laws.

• EMTEL and/or its Suppliers make no representations about the suitability, reliability, availability, timeliness, quality, variety, speed and accuracy of the information, products and Service. All such information, products and Service are provided “AS IS” without warranty of any kind. EMTEL and/or its Suppliers hereby disclaim all warranties and conditions with regard to the information, Product and Service. Notwithstanding the foregoing, EMTEL will use

its best endeavours to update or cause to, make changes regularly. Such information or Service shall however not be relied upon for personal, legal or financial decisions. EMTEL or its Suppliers shall not be liable for any loss whatsoever as a result of reliance placed on the aforesaid information or Service.

• EMTEL does not make any warranty on the availability of complete array of Services provided by EMTEL to the Subscriber using Subscriber Equipment not directly purchased from EMTEL.

• Where there is a conflict between this agreement and any other conditions mentioned in or printed on any correspondence exchanged between the parties, this agreement will prevail.

• The Subscriber hereby undertakes:

(a) To ensure that the Service is not used for any unlawful purposes.

(b) To ensure that the Subscriber Equipment is lawfully possessed and does not contravene any law or regulation.

(c)To ensure that the Service is not used at any time so as to cause irritation, annoyance, embarrassment, harassment, or nuisance of any kind whatsoever to others.

•The Subscriber (hereinafter called the Transferor) may transfer his subscription to another party (hereinafter called the Transferee) subject to the approval of EMTEL and subject to the completion of such additional process as may be required by Emtel. Unless and until such time that such conditions as may be imposed by EMTEL are not met, it is deemed that the Transferee is not effective and the Transferor is still liable for the service.

• Personal Data is any data that identifies you as an individual or is capable of doing so and does not include general, statistical, aggregated or anonymised information. The Personal Data which you supply to us, you agree, will be true, complete and accurate in all respects and you agree to notify us as soon as possible of any changes to such Personal Data. We will deal with your Personal Data in compliance with the prevailing data protection laws.

Authorisation for the activation of pre-selection of the Carrier

The Subscriber authorizes EMTEL to activate the pre-selection of the carrier on the SIM.

The subscriber through the usage of the Service, declares having concluded a contract with EMTEL for the said number for which the activation is requested. The Subscriber further consents to the activation of carrier pre-selection on the SIM.  All international calls will be routed by default through the International Gateway of EMTEL. EMTEL will be responsible for the processing of the international portion of the calls, and for the invoicing of those calls and the collection of payment for those calls.

The Subscriber declares to have been informed that if SIM Card is terminated or nullified for whatever reason, the activation of the pre-selection will be automatically removed for which EMTEL cannot be held responsible. The Subscriber declares to be aware that outside of the above case, he can terminate the activation of the pre-selection of the carrier himself by submitting a request to this end to EMTEL. The present activation of the pre-selection of the carrier causes the annulment of every pre-selection of a previous carrier activated on the SIM.  The Subscriber shall be solely liable for any risk or liability resulting from the termination the services selected carrier, and declares that he will fulfill all contractual obligations regarding this carrier. This annulment does not infringe the Subscriber’s right to have another carrier activated at any time.

• The construction, validity and performance of this agreement shall be governed by the laws of the Republic of Mauritius, and the parties irrevocably submit to the exclusive jurisdiction of the Mauritian courts for the purpose of enforcing any claim arising hereunder.

• In the event that any Term, Condition or Provision of this agreement is held to be a violation of any applicable law, statute or regulation, the same shall be deemed to be deleted from this agreement and shall be of no force and effect and this Agreement shall remain in full force and effect as if such Term, Condition or Provision had not originally been contained in this agreement.

• The schedules and/or annexes to this agreement constitute an integral part hereof.

EMTEL may at its entire discretion amend these Terms and Conditions from time to time. Those amended

Terms and Conditions shall be binding upon the subscriber as from the date of their application by posting at the headquarters of EMTEL and on the official website of EMTEL.

Any subscriber who is not agreeable to those amended Terms and Conditions shall inform EMTEL of the fact; thereupon  the present agreement  shall terminate without any liability upon EMTEL and EMTEL shall deactivate the SIM Card  and disconnect the subscriber from the system.

The subscriber is deemed to have accepted the above Terms and Conditions once he/she uses the service of EMTEL and is connected to EMTEL network.

All information in the Registration Form, the General Terms and Conditions of Service and the Special

Terms and Conditions of Service shall constitute the entire Agreement.

The Terms and Conditions as set out in the Annexes shall be in relation to a specific service and shall be in addition to other provisions in these General Terms and Conditions. In the event of inconsistency, the Special Terms and Conditions shall prevail over the General Terms and Conditions of Service.


Terms and Conditions of Service

By ordering and/or  using the EMTEL Home & Office Fixed Wireless service (the “EMTEL Home & Office Service” or “this Service”) the Subscriber agrees and accepts fully the Terms and Conditions as set out herein and in the General Terms and Conditions of Service to the extent that the Terms therein are not inconsistent with these Special Terms and Conditions:


EMTEL Home & Office Service refers to the telecommunication  service (voice, data, Value Added Services etc.) as provided from time to time by EMTEL via a fixed wireless handset  device (“Fixed Wireless Terminal”) connected  to EMTEL’s wireless network  such as a GSM or 3G network, or such other technology as may be made available by EMTEL from time to time.


Subscriber agrees to be bound by the applicable Terms and Conditions and acceptable usage policies and any modifications made to same by EMTEL from time to time.


3.1 The EMTEL Home & Office Service consists of a fixed wireless connection. While EMTEL will undertake all reasonable commercial efforts to deliver the stated Service within industry acceptable standards, the Subscriber acknowledges that Service parameters such as speed may vary depending on Internet traffic and other factors beyond the control of EMTEL.

3.2 EMTEL Home & Office Service is powered by a standard electrical connection. If the customer’s electrical connection fails then the Service will be disrupted or will be unavailable.

3.3 Access to services is provided on a “best effort” basis and is reliant on an electrical supply to the Subscriber Equipment (as defined in Section 4 below) and availability of the network. In the circumstance where Service is unavailable due to network availability, the Subscriber may terminate the service in writing within 7 days from the time it is first connected on EMTEL’s network, without penalty and with refund of fees paid.

3.4 Subscriber accepts that EMTEL may change or withdraw any element of this Service from time to time and will use reasonable efforts to notify Subscriber of any necessary change in the Services.

3.5 Subscriber acknowledges that internet access using this Service is an “always on” connection to theinternet whiletheFixed Wireless Terminal is powered on and that it is Subscriber’s SOLE RESPONSIBILITY to install, configure and maintain suitable security measures to protect Subscriber’s computer and other device from unauthorised or malicious access from the internet. Any advice or equipment provided by EMTEL is provided ‘as is’ and EMTEL accepts no responsibility or liability for the security of Subscriber’s systems.

3.6 Both uploads and downloads are taken into consideration for the computation of data usage for the Service.

3.7 The EMTEL Home & Office Service is not provided with International Roaming capability. The Subscriber shall not use the EMTEL Home & Office Service for International Roaming facilities. Breach of this clause will be deemed material and EMTEL shall reserve the right to terminate this Agreement as of right and without any judicial or extra judicial formality.


4.1 Upon entering into this agreement and payment of the relevant fees, the Subscriber shall be provided with the Subscriber Equipment.  For the purposes of this Agreement, Subscriber Equipment refers to the Fixed Wireless Terminal and/or Spare Part.

4.2 Subscriber agrees to use the Subscriber Equipment reasonably and in accordance with EMTEL’s instructions and equipment User Guide. In the event where Subscriber Equipment is loaned to Subscriber by EMTEL, that Equipment shall remain the sole property of EMTEL and Subscriber agrees to take reasonable steps to protect the Equipment from damage, loss or theft.

4.3 If EMTEL cannot for any reason recover the Equipment in good condition on demand from Subscriber then Subscriber agrees that he will be immediately liable to pay a replacement fee determined by EMTEL plus applicable taxes.

4.4 Subscriber agrees to notify EMTEL as soon as reasonably possible once he becomes aware of any damage to the equipment or defect in the operation of the equipment by telephoning EMTEL at the numbers or addresses published from time to time.

4.5 Subscriber agrees not to, nor allow any other party to modify, tamper the Equipment. Any evidence of tamper will tantamount to material breach by the Subscriber entitling EMTEL to terminate the Agreement as of right without the need for any judicial or extra judicial formality.



EMTEL Home & Office Service is to be provided between stationary network connecting points and at the address indicated by the Subscriber as the Installation Address provided by the Subscriber on the Registration Form. The Subscriber may be charged higher rates and penalty if the Subscriber Equipment is used at place(s) other than the Installation Address. It is the Subscriber’s responsibility to inform EMTEL in writing of any change in this address.

Subscriber expressly agrees that the removal of the SIM Card for Emtel Home & Office Service for any reason whatsoever is strictly prohibited and may entail automatical termination of the said service without the need for judicial or extra judicial recourse.


 If any term of this agreement is held invalid, illegal or unenforceable by any court of competent jurisdiction, it will be severed and the remaining terms will continue in full force as if this Agreement has been made without the invalid, illegal or unenforceable terms.

This agreement may be amended by Emtel from time to time as Emtel introduces new cash functionalities.

Emtel’s failure to exercise or enforce any right under this agreement shall not be deemed to be a waiver of any such right nor shall it prevent Emtel from exercising or enforcing the right in question at any time.

The Subscriber may not transfer any rights or obligations it may have under this agreement, without Emtel’s prior written consent. 


1.    Definitions

The following expressions used in this annex    shall have, except where not appropriate in this context, the meanings as described hereunder. The plural shall include the singular, the masculine shall include the feminine and vice-versa.

Agent” means any person (natural or corporate) appointed by Emtel and approved by the Bank to act as agents for the provision of Emtel Cash to Subscribers on behalf of Emtel.

Agreement” means the  agreement between the  Subscriber and  Emtel  comprising the  following:  the  present Terms  and  Conditions including relevant Special  Terms  and  Conditions, the  Application Form and  the  Fee Schedule , which will be  effective  on the  date  the  Subscriber’s application for Emtel Cash is accepted..

Airtime” means the communication time stored on a Mobile Communication Device. Airtime can refer to voice, SMS and/or data.

Application Form” means the application form provided by Emtel including all information and statements contained therein. This form can be obtained from Emtel’s website (, any Emtel Shop or Agent.

Bank” means the Bank of Mauritius established under the Bank of Mauritius Act 2004 (as amended from time to time).

Bill Company” means any person (natural or body corporate) which has appointed Emtel to receive payment in respect of the bills or invoices issued by him/it and includes amongst others, the Central Electricity Board, the Central Water Authority and the Waste Water Management Authority. “Call Centre” means Emtel Call Centre which shall act as a hotline and offering Subscriber support. Call Centre number is 8970 or such other number as may be reviewed by EMTEL and communicated from time to time. “Cash” means money in the physical form of currency, such as banknotes and coins.

E-Money” or  “Stored  Value”  means funds   or  monetary value  represented in digital  electronics format  and  stored or  capable of  storage on electronic media in such a way as to be retrievable and transferable electronically.

Emtel Cash” or “Mobile Financial Services” means the Mobile Payment services provided by Emtel through its Shops or Agents.

Emtel Shop” means an Emtel showroom.

Fee Schedule” means a schedule containing all fees applicable to Emtel Cash.  This Fee Schedule is available from any Agent, Emtel Shop and/or from Emtel’s website (

Guideline” means the Guideline on Mobile Banking and Mobile Payment Systems as issued by the Bank in 2013 and amended from time to time.

Merchant” means a Bill Company or a trader registered on the Platform.

Mobile Communication Device” means any mobile device having a unique internationally recognised identifier (e.g.  Fitted with an integrated circuit for Subscriber identification such as a Subscriber Identification Module), whether embedded or removable and which can be used as a mobile communication equipment.

Mobile Financial Services Platform” or “Platform” means the system deployed by Emtel for the provision of Emtel Cash.

Mobile Payment” or “M-Payment” means any financial transaction with fund movement undertaken using a mobile device such as a Mobile

Communication Device whether the fund transfer takes place from the Stored Value or from a bank account. “Mobile Wallet” means the Subscriber’s E-Money account found on the Mobile Financial Services Platform. “Network” means the mobile telecommunication network operated by Emtel from time to time.

Non-Resident of Mauritius” means a person who is not domiciled in the Republic of Mauritius.

PIN” means the personal identification number which the Subscriber uses to access and operate his Mobile Wallet.

Secret Word” means the secret code allocated to the Subscriber following the activation of his Mobile Wallet. This Secret Word is to be used by the Subscriber as an identification ID when calling the Call Centre.

SMS” means a short messaging service that enables the transmission of text messages from one Mobile Communication Device to another.

Subscriber” means a person:

(a)   Having subscribed to the services of Emtel,

(b)   Having been issued by Emtel with a unique internationally recognised identifier such as a Subscriber Identification Module (SIM) card, and

(c)   Being registered by Emtel or an Agent as a customer to Emtel Cash.

Subscriber Identification Module” or “SIM” means an integrated circuit that stores the international mobile subscriber identity (IMSI) and the related key used to identify and authenticate subscribers on information and communication devices (such as mobile phones and tablets). “Transaction” means any movement of money in to, or out of a Mobile Wallet including any attempt thereof.

2.     Service Description

2.1. Emtel Cash is a service which allows the Subscriber to use his Mobile Communication Device to carry out Transactions.

2.2.  Such  Transactions include  but  are  not  limited  to: (i) Airtime purchase, (ii) Cash  deposit (Cash-in) and  Cash  withdrawal (Cash-Out), (iii) peer- to-peer E-Money  transfer  and  (iv) Merchant payment including  payment to Bill Companies

2.3. All Transactions shall be denominated in Mauritian rupees.

2.4. Subscribers acknowledge that Emtel is neither a bank nor a deposit-taking institution.

2.5. The fees applicable to Emtel Cash are set forth in the Fee Schedule. Subscribers acknowledge that the Fee Schedule   is subject to change at any time at Emtel’s sole discretion.

3.     Registration on Emtel Cash

3.1. The following pre-conditions are required for registration on Emtel Cash:

3.1.1. The applicant must be an individual of at least 18 years old.

3.1.2. The applicant must have the capacity to enter into contracts

3.1.3. The applicant must fill in and  sign the  Application  Form which  he  then submits to the  Agent or Emtel  Shop  (as  relevant).

3.1.4. The applicant must provide sufficient proof of his identity.  The  documents which  can  be  relied  on  are:  (i)  national identity  cards  and  (ii) Current valid passports.

3.1.5. The applicant must provide sufficient proof of address. The documents which  can  be  relied  on  are:  (i) a recent utility bill, (ii) a recent bank or credit  card  statement, (iii) a recent bank  reference or (iv)  any  other  document or documents which  either  singly or cumulatively establishes, beyond reasonable doubt, the address of the applicant.

3.2. With regards to sub-clauses 3.1.4 and 3.1.5 above, the Agent or Emtel Shop (as relevant) shall keep a copy of the relevant document.

3.3. Additional verification of identity may be effected by: (i) checking a local telephone directory, (ii) checking a current register of electors and/or (iii) Visiting the applicant at his permanent residential address.

3.4.  For an  applicant who  is a  Non-Resident of  Mauritius,  his  identity  and  address shall  be  further  verified  with  a  reputable credit  or  financial Institution in his home country or country of residence.

3.5. The holding of a bank account is not as a pre-requisite for registration to Emtel Cash.

3.6. Following successful registration of the Subscriber on the Platform, he shall get an SMS notification containing a Secret Word and a default PIN. That PIN is to be changed by the Subscriber before he starts initiating Transactions.

3.7. The Subscriber acknowledges that he must not provide false, inaccurate, incomplete or misleading information.

3.8. The Subscriber is responsible for ensuring that his registration details are maintained up to date.

3.9. Emtel reserves the right, at any time, to request further information pertaining to a Mobile Wallet. Failure by the Subscriber to adhere to same may result in Emtel’s limiting usage of that Subscriber on Emtel Cash including freezing or termination by Emtel of that account without undergoing any judicial or extra-judicial formality.

3.10. Notwithstanding any other provision, Emtel may, in its absolute discretion, refuse to register/revoke the registration of any person on/from

Emtel Cash.

3.12. The Subscriber will obtain a mini statement containing his last 5 Transactions by dialing the relevant code on his Mobile Communication Device or if he is looking for a more detailed statement, he may contact the Call Centre.

4.     Data Protection

4.1.  Emtel  may  process the  data  and/or information relating  to the  Subscriber which  is collected under this Agreement (including the  Application Form)  and  through the  Subscriber’s dealings with Emtel  (e.g.  Using Emtel Cash etc.)  Or otherwise for the purposes of performing its obligations under this Agreement and for administration, account management, risk assessment, customer profiling, market research, customer care, and other legitimate business purposes.

4.2.  Emtel  may  also  share the  Subscriber’s data  with its agents, banks  and  other  authorised persons for the  purpose of providing  Emtel  Cash  and those purposes listed above.

4.3. Subscriber’s data and/or information is not otherwise disclosed to third parties, save where required or permitted by law.

4.4.  The Subscriber accepts that  Emtel shall monitor his Mobile Wallet usage and,  in case  of any suspected Transaction or otherwise, may disclose his data  and/or information to local law enforcement or investigative agencies or any competent regulatory  or governmental agencies to assist  in the  prevention, detection or prosecution of money laundering activities, fraud  or other  criminal activities.

5.     Account Usage

5.1.  Once  a Subscriber is registered in accordance with Clause  3 above, that  Subscriber will need E-Money if he  wants  to use  Emtel Cash  and  start carrying out Transactions. For that  purpose, the  Subscriber shall deposit Cash  with an Agent or Emtel Shops and  the  latter shall send the  equivalent funds  in E-Money  on  that  Subscriber’s Mobile  Wallet. As mentioned in Clause 9 hereto, a Subscriber may also obtain E-Money from another Subscriber.

5.2.  Subject  to the  prescribed Transaction limits and  the  provisions of these Terms  and  Conditions, the  balance of the  Subscriber’s Mobile Wallet is redeemable at any time  and  shall be  disposed of only in accordance with the  Subscriber’s written  instructions.

5.3. Emtel may, in its absolute discretion, restrict or limit the number of Mobile Wallets a Subscriber may have at any one point in time.

5.4.  The Subscriber acknowledges that  at any point  in time,  the  maximum amount of E-Money he  can have  on his Mobile Wallet is limited  to such amount as may  be  specified by Emtel  from time  to time.

5.5   Emtel   may,  as a direct  result  of new  or amended legislation,  statutory instrument, Government regulations or policy or any other  compelling reason, withdraw:  (i) any functionality  of Emtel  Cash  or (ii)  Emtel  Cash  in general.

5.6. Emtel Cash may be provided with additional functionality following integration of the Platform with platforms of financial institutions and other Entities. Emtel does not warrant that the additional functionality shall   provide the Subscriber with full   access to those other platforms.

5.7.  In  the   event  of  any   review   of  Emtel’s    business  planning,  technical, public  interest or operational reasons, changes within the  industry, recommendations from  regulatory  bodies or   similar   events,   Emtel   may   vary  these  Terms   and  Conditions and  shall notify the  Subscriber  of such  changes through appropriate means. The Subscriber’s continued use of Emtel Cash shall be deemed to be his acceptance of all such varied Terms and Conditions.

6.     Emtel Cash Access Responsibility

6.1. Access to Emtel Cash is PIN protected. The Subscriber hereby agrees to guard his PIN and not to disclose it to any third party including to the Agent, staff of Emtel Shop or any person purporting to have authority to ask for it.

6.2. The Subscriber acknowledges that he shall be solely responsible for the security of his PIN and Secret Word. Emtel shall not be liable for any disclosure of the Subscriber’s PIN to any third party and the Subscriber hereby agrees to defend, indemnify and/or hold Emtel harmless from any losses that result from any PIN disclosure.

6.3. The Subscriber is responsible for all instructions given to Emtel in relation to his Mobile Wallet.

6.4.  Emtel  shall  deem each correct  PIN  entry  as  being  performed by the  legitimate owner of the  Mobile  Wallet and  shall  regard  all subsequent Transactions as final and irrevocable.

7.    Lost or stolen Mobile Communication Device

In case of lost or stolen Mobile Communication Device, the Subscriber is requested to call the Call Centre on 8970 to have his Mobile Wallet frozen and for any other relevant support. This is a 24/7 service.

8.      E-Money Transactions

8.1. Transaction limits as prescribed shall apply each time the Subscriber uses Emtel Cash.

8.2. The Transaction request will not be completed:

8.2.1 If the Subscriber has insufficient funds in his Mobile Wallet to undergo that Transaction or to cover the charges of the Transaction;

8.2.2 If the Subscriber has reached the prescribed daily Transaction limit;

8.2.3 If Subscriber’s Mobile Wallet has been temporarily suspended or permanently frozen on valid grounds;

8.2.4 If there is any other compelling reason such as temporary system delay, outage, service interruption or otherwise.

8.3.   For use of Emtel Cash, the fees as listed in the Fee Schedule will apply.

8.4. For all Transactions effected, the Subscriber will receive an SMS notification on his Mobile Communication Device. Each successful Transaction will be backed by a receipt containing a unique reference number.

8.5.  In any  event that  a Transaction  cannot be  completed or fails, the  Subscriber will be  notified  by SMS as  for the  reasons of the  unsuccessful Transaction.

8.6. A Transaction once completed is final and irrevocable. As such, Emtel shall be under no obligation to reverse any Transaction.

8.7.  The  Subscriber    agrees to  indemnify, defend and/or hold  Emtel  harmless for any  losses arising  from  a mistaken, erroneous or fraudulent transfer  of funds  or any transfer  of funds  from the  Subscriber’s   Mobile Wallet effected under constraints or under coercion or criminal force.

9.      Peer-To-Peer E-Money Transfer

9.1. One Subscriber may transfer E-Money to another Subscriber. The receiving  party will get an SMS informing  him  that  he  has  received E-Money from the  sending party, the  E-Money shall be  loaded on the  Mobile Wallet of the  receiving  party and  that  receiving  party may redeem the  E-Money at any Agent or Emtel  Shop.

9.2 The Subscriber can also transfer funds to a non-Subscriber.

In this  case,  since  the  receiving  party  does not  have  a Mobile  Wallet registered on  the  Platform,  he  shall  receive  an  SMS containing a one-time voucher code which  he  shall show  to any Agent or Emtel  Shop  so as to redeem the  monetary value  sent  to him.

If, within 2 days, the  receiving  party has  not  redeemed this voucher code,  the  Transaction will be  cancelled and  the  E-Money  will automatically be sent  back to the  Subscriber’s account. The Subscriber will be notified by SMS of the cancellation and reversal of the E-Money.

9.3. In all cases, the Subscriber sending the E-Money shall receive an SMS notification for each Transaction undertaken.

9.4. A receiving party (whether he is a Subscriber or not) may be liable to face prosecution for consuming or using funds sent to him erroneously.

10.    Cash-Out

10.1. Cash-Out is to be done at any Agent’s premises or Emtel Shop.

10.2. The  Agent  or the  Emtel  Shop  (as  relevant) shall, subject to the  prescribed Transaction  limits, process the  request for Cash-Out after  being satisfied  that  the  person making  the  withdrawal has  successfully passed all identity and  security  verification  procedures.

10.3. Subject to any other provisions to the contrary, the Subscriber will be charged a withdrawal fee each time he withdraws funds from his Mobile Wallet.

11.     Payment to Bill Companies

11.1. The Subscriber may use Emtel Cash to pay Bill Companies. He shall, at all times, remain solely responsible for the correct inputting of bill account details and other relevant information. Upon the successful completion of the Transaction, the Subscriber will receive an SMS notification with a unique Transaction ID.

11.2. Emtel shall under no obligation be required to match the customer bill account number with the records of the Bill Company.

11.3. If the Subscriber performs a Bill Payment Transaction after 22:00 pm, that Transaction shall be processed on the next working day.

11.4. In any  event that  a  Transaction  cannot be  completed or  fails, the  Subscriber will be  notified  by  SMS as  to  the  reasons of  unsuccessful Transaction.

11.5. In addition to  the  cases listed  above where a  Transaction  will not  be  completed, a  request for bill payment will not  be  completed if the Subscriber does not respect the requirements of the Bill Company.

12.    Intellectual Property

All  intellectual property  rights  vested in  Emtel  Cash  including  the  trademark, logo  or  otherwise are  the  property of  Emtel.  Any unauthorized reproduction, modification, distribution or republication of materials or intellectual property related to Emtel Cash in any way whatsoever without the express prior written consent of Emtel is strictly prohibited.

13.    Fees

13.1. The Subscriber is responsible for the payment of the applicable fees as listed in the Fee Schedule in relation to the use of Emtel Cash.

13.2. All fees are deducted at source and are subject to change at any time at Emtel’s sole discretion.

13.3. On  completion of each Transaction, the  Subscriber’s Mobile  Wallet will be  deducted with the  relevant fee  and  the  Subscriber’s new  balance shall be  notified  to him  by SMS.

13.4. Except as may otherwise be notified in writing, fees are inclusive of all applicable taxes including Value Added Tax at the prevailing rate.

14.    Termination, Freezing, Unclaimed amount & Reallocation of E-Money account

14.1. Emtel, without  prejudice to its other  rights and  without  undergoing any judicial or extra-judicial formality, reserves the  right at its sole  discretion to freeze  or terminate this Agreement if the  Subscriber utilizes  Emtel Cash   for any purpose which is unauthorized, fraudulent, illegal  or otherwise.

14.2. The Subscriber acknowledges that  Emtel  may  be  compelled by law to freeze his Mobile Wallet or decline to execute his Transaction requests if there are reasonable grounds to suspect that  his Mobile  Wallet has  been or is being  or may  be  used to conduct Transactions in connection with any activity which  is unauthorized, fraudulent, illegal or otherwise.

14.3. Closing of his Mobile Wallet by the Subscriber is to be done at an Emtel Shop.  Emtel  shall only act on the  Subscriber’s request for closing his Mobile Wallet if: (i) the Subscriber establishes his identify to Emtel’s satisfaction and  (ii) the balance of that Subscriber’s Mobile Wallet is, at the time of the  request, zero.

14.4. Emtel  may  close  the  Subscriber’s Mobile  Wallet if that  Mobile  Wallet has  remained inactive  for a  certain  period of time  as  prescribed  by Emtel, subject to giving 5 (five)  days’ notice  to the  Subscriber.   In such circumstances, the Subscriber shall be entitled to the balance of any funds remaining in his Mobile Wallet

14.5 Any unclaimed amount which has been left untouched and not reclaimed for 7 years or more and the Subscriber has not responded within 6 months to a letter  from Emtel about the  unclaimed amount sent  by registered post  to the  Subscriber’s last known  address, the  unclaimed amount, shall be deemed  to have been abandoned and shall, without further formality, be transferred forthwith by Emtel to the Bank of Mauritius to be dealt  with as decided by the  Bank. The procedures set out in Section 59 of the Banking Act 2004 (as amended from time to time) with respect to abandoned funds shall apply to these unclaimed amounts.

14.6.   The Subscriber understands that his Mobile Wallet is attached to the number of his Mobile Communication Device which he provided in the Application Form. If the  Subscriber now  wants  to change that  number, he  will be  required to fill in the  change request form  available  at any Emtel Shop  after having  provided sufficient  proof  of his identity and  address and  any other  information which  may  be  required.

14.7. This Agreement terminates automatically upon the death of the Subscriber. The residual amount (if any) remaining in the Subscriber’s Mobile

Wallet will be handed over to any beneficiary in accordance with the Subscriber’s affidavit de succession.

15.  Warranties, and Limitation of Liability

15.1. Emtel will report any suspicious transaction to the Financial Intelligence Unit (FIU). For the purpose of Emtel Cash, a suspicious transaction has the same meaning as in the Financial Intelligence and Anti Money Laundering Act 2002 (as amended from time to time).


15.3 Emtel shall use reasonable efforts to ensure that all Transaction requests are processed in a timely manner. The Subscriber understands  that: (i) Emtel Cash is a payment facility and that Emtel shall not be liable for any delay in payment, incomplete payment or otherwise suffered by the Subscriber using  Emtel  Cash  and  (ii)   Emtel  Cash  may  be  affected by factors  outside Emtel’s control,  or may  be  subject to periodic  testing,  repair, maintenance,  upgrades or otherwise.

15.4. Emtel will not be liable for any claim unless caused by willful default attributable to Emtel.  Emtel  specifically  disclaims all liability for any damage, expenses or losses, including,  without  limitation, direct, indirect,  consequential, special,  incidental or punitive  damage deemed or alleged to have  resulted from or caused by but  not  limited  to:

15.4.1 Transactions made to unintended recipients or payments made in incorrect amounts due to the input of incorrect and/or incomplete information by the Subscriber;

15.4.2 Transactions made from an unauthorised third party who passes all identity and verification checks;

15.4.3 Any fraud, deception or misrepresentation made by the Subscriber,

15.4.4 Any damage, expense or loss resulting from a recipient’s decision not to accept or record a Transaction made by the Subscriber through Emtel Cash,

15.4.5 Failure of any other telecommunications or data transmission system other than the Platform;

15.4.6 Result of any acts of government or authority, any act of God or force majeure.

15.5. Emtel Cash is not available on roaming.

15.6. The sole  liability of Emtel  for any claim in any manner related to this Agreement shall be  the  payment of direct  damages and  such  damages shall in no event in the  aggregate exceed the  maximum Transaction limit for the  time  being  in force according to the  Guideline for any single event or series of events.

15.7. The  User  agrees to  defend indemnify and/or hold  Emtel  harmless for any  claim  brought against  Emtel  by a third  party  resulting  from  the

Subscriber’s breach of these special Terms and Conditions.

16. Dispute Resolution

16.1. The Subscriber may contact the Call Centre on 8970 for any dispute, claim, to report discrepancies on his Mobile Wallet or for any support in relation to Emtel Cash.

16.2. Any dispute arising out of or in connection with this Agreement that is not resolved by Emtel’s customer care may be escalated up to the CEO if not resolved within 14 days from the date of its receipt and eventually escalate to the Bank for resolution, if still not solved.

16.3. Emtel shall try to resolve any dispute arising out of or in connection with this Agreement within a period of 90 days of the date Emtel became first aware of it.

16.4. Nothing in this section shall be deemed to exclude any legally recognised dispute resolution body from receiving, hearing and determining the dispute.

17.  Data Retention

17.1 The Subscriber acknowledges that where it is determined by a competent judicial authority that his Mobile Wallet contains proceeds of money laundering or any other criminal or illegal activity, Emtel may be required by law to surrender those funds   as may be directed.

17.2 The Subscriber acknowledges that Emtel may retain his Transaction data for a period of up to seven (7) years or as may be required by any law or regulation.

18. Force Majeure

Emtel  shall not  be  liable to the  Subscriber for any delay  or failure to perform its obligations under the Terms and  Conditions under this Annex as a result  of a force  majeure event which  includes any event which  is beyond its reasonable control,  is unforeseen and  irresistible.  Such  events may include  without  limitation:  revolution or other  civil disorders; belligerent aggression by an  enemy; strikes;  labour  disputes; electrical  equipment or system availability delay  or failure; fires; floods;  acts  of God; government or regulatory  intervention.

If such delay or failure continues for at least thirty (30) days then either party to this Agreement may terminate their engagement by serving a notice in writing to the other.  Upon such termination all E-Money held for the Subscriber on the Platform shall be returned to the Subscriber.

19. General

If any term of this Agreement is held invalid, illegal or unenforceable by any court of competent jurisdiction, it will be severed and the remaining terms will continue in full force as if this Agreement had been made without the invalid, illegal or unenforceable terms.

This Agreement may be amended by Emtel from time to time as Emtel introduces new Emtel Cash functionalities. Such amended Agreement may be published in posters or pamphlets available at Agents, in the daily newspapers and/or on the Emtel website ( from time to time and shall take effect immediately upon publication.

Emtel’s failure to exercise or enforce any right under this Agreement shall not be deemed to be a waiver of any such right nor shall it prevent Emtel from exercising or enforcing the rights in question at any time. The Subscriber may not transfer any rights or obligations that he may have under this Agreement without Emtel’s prior written consent. The Subscriber  must not  use   Emtel  Cash   for the  receipt  of or payment for goods or services  that  offend  or circumvent any law including without  limitation, narcotic  drugs, firearms,  obscene or  pornographic material  or services,  infringement of third party intellectual rights, running  illegal or unauthorised lotteries,  gaming  or gambling,  as well as material  that  is morally repugnant; incites  violence or desires to cause harm;  induces an unacceptable sense of fear or anxiety; encourages or incites  any person to engage in dangerous practices or to use  harmful  substances; induces or promotes tribal, religious  or racial disharmony; causes grave or widespread offence; or debases, degrades or demeans others.

Without  prejudice to the  provisions of clause 14.7, where Emtel  receives notification  of the  death of the  Subscriber, Emtel  shall suspend all activity of his Mobile Wallet until satisfied  that  the  relevant provisions of the  applicable legislation  have  been followed. Any notice or other communication in connection with this Agreement shall be:  in writing and delivered by hand, fax or registered post with advice of delivery. Notices  to the  Subscriber are to be  sent  at the address provided by him  in the  Registration Form and  notices to Emtel  shall be  sent  as follows:

Address:  EmtelWorld, 10, Ebene Cybercity, Ebene, Mauritius

Fax: +230 454 10 10

Attention:  Chief Executive Officer