Tamara Challenges
Terms & Conditions

1. About these Terms

1.1 These terms and conditions (the "Terms") govern your participation in the Tamara rewards program known as "Challenges" (the "Program").

1.2 In the United Arab Emirates, the Program is offered by Tamara FZE.

1.3 These Terms supplement, and are to be read with, the Tamara General Terms and Conditions. If there is any conflict between those documents and these Terms in relation to the Program, these Terms prevail.

1.4 By participating in a Challenge you confirm that you have read, understood and accepted these Terms.

2. Definitions

• "Cashback" means a monetary reward credited to you under the Program.
• "Challenge" means a specified action or set of actions published by Tamara which, if completed by you within the applicable Challenge Period and in accordance with these Terms and the relevant Challenge Page, entitles you to a Reward.
• "Challenge Page" means the page or screen within the Tamara app or website on which a Challenge and its specific conditions are displayed.
• "Challenge Period" means the period during which a Challenge is open, as stated on the Challenge Page.
• "Qualifying Action" means the action required to complete a Challenge, as described on the Challenge Page, which may include (without limitation) completing a purchase using a specified payment method, transacting with a specified merchant or merchant category, or completing account verification.
• "Qualifying Transaction" means a transaction which meets the conditions of a Challenge.
• "Reward" means Cashback.

3. Eligibility

3.1 To participate in the Program you must: (a) be at least 18 Gregorian years of age and have full legal capacity; (b) be resident in the United Arab Emirates; (c) hold an active Tamara account which has been fully verified in accordance with our customer due diligence requirements; and (d) hold an account which is in good standing and is not suspended, restricted, in arrears or under investigation.

3.2 Only one Tamara account per person may participate. Rewards may not be aggregated, pooled or transferred across accounts.

3.3 Challenges may be offered to selected users only, on a targeted or personalized basis. A Challenge is available to you only if it is displayed on your Challenge Page.

3.4 We may withhold a Reward until you have completed any outstanding identity verification, customer due diligence or sanctions screening requirements.

4. How Challenges work

4.1 Each Challenge Page will set out: the Qualifying Action; the Reward amount or the basis on which it is calculated; the Challenge Period; any minimum spend, maximum Reward or other cap; the participating merchants or merchant categories; and any other conditions.

4.2 The Challenge Page forms part of these Terms. Where there is a conflict, the Challenge Page prevails in respect of that Challenge.

4.3 A Reward is earned only where the Qualifying Action is completed in full within the Challenge Period. Rewards are determined solely by completion of the Qualifying Action. No Challenge involves any element of chance, draw, lottery or wager, and no payment or other consideration is required in order to enter a Challenge.

4.4 Challenges may be limited in number or in total Reward allocation. A Challenge ends on the earlier of the expiry of the Challenge Period and the exhaustion of the available allocation, and this will be stated on the Challenge Page.

5. Cashback

5.1 Cashback is credited to your Tamara Wallet in UAE Dirhams as applicable and is normally credited within 24 hours of completion of the Qualifying Action and in any event within 3 business days. Where the Qualifying Action relates to a Qualifying Transaction, crediting may be deferred until the transaction has settled and any applicable return period has expired, up to a maximum of 30 days.

5.2 Cashback does not bear any interest, profit or return and earned Cashback will be automatically applied to the next transaction.

5.3 Cashback value can only be used to settle Tamara down payments for future orders.

5.4 Cashback cannot be withdrawn, substituted, or exchanged for cash.

5.5 Cashback expires within 60 days from issuance date.

6. Crediting, errors and corrections

6.1 A Reward is credited on the basis of the records generated by our systems and those of our payment partners.

6.2 If you consider that a Reward has not been credited correctly, you must notify us within 60 calendar days of the date on which it should have been credited.

6.3 We may correct, reverse or adjust a Reward which has been credited in error, duplicated, or credited in respect of an action which did not meet the conditions of the Challenge. We will notify you before doing so, or promptly afterwards, and will explain the reason.

7. Refunds, cancellations and chargebacks

7.1 Where a Qualifying Transaction is subsequently cancelled, returned, refunded, reversed, successfully disputed or charged back, or where the underlying goods or services are not delivered, the related Reward may be withdrawn or proportionately reduced.

7.2 Where we withdraw or reduce a Reward under clause 7.1, we may deduct the corresponding amount from your available Cashback.

7.3 If your balance is insufficient, we may set the shortfall off against future Rewards.

8. Misuse of the Program

8.1 You must not: open or use more than one Tamara account; use false or stolen information or the information of another person; use bots, scripts, automation or any technical means to complete Challenges; split transactions, or make purchases with the intention of cancelling or returning them, in order to generate Rewards; collude with a merchant or any other person; or otherwise participate other than in good faith and for a genuine purpose.

8.2 If we reasonably suspect a breach of clause 8.1 we may withhold or cancel Rewards, suspend your participation in the Program, close or restrict your account, and recover Rewards already credited.

8.3 Before taking action under clause 8.2 we will notify you and give you a reasonable opportunity to respond, unless we are prevented from doing so by law or regulation, or doing so would prejudice an investigation or the prevention of fraud or financial crime.

8.4 We may report suspected fraud or financial crime to the CBUAE, the relevant financial intelligence unit or any other competent authority.

9. Changes to these Terms and to the Program

9.1 We may change these Terms or the features of the Program, including the Challenges offered and the Rewards available.

9.2 Where a change is to your disadvantage, we will give you not less than 60 calendar days' prior notice by durable means, stating the date on which the change takes effect.

9.3 We may make a change with immediate effect only where: (a) the change is wholly in your favor; (b) the change is required by applicable law or regulation or by a direction of the CBUAE or another competent authority; or (c) the change is necessary to address a security risk, fraud or misuse of the Program.

9.4 If you do not accept a change you may stop participating in the Program at any time.

10. Suspension or termination of the Program

10.1 We may suspend or terminate the Program, or any individual Challenge, at any time.

10.2 Where we terminate the Program we will give you not less than 60 calendar days' prior notice. During that period you may continue to use Cashback. Cashback which remains at the end of that period will lapse without compensation.

10.3 We may suspend an individual Challenge with immediate effect where it has been affected by a technical error, a pricing or publication error, or suspected abuse. Where a Challenge is suspended we will honor Rewards validly earned before the suspension, unless clause 8 applies.

11. Complaints

11.1 If you are dissatisfied with any aspect of the Program, you may submit a complaint using the channels set out in the Tamara General Terms and Conditions.

11.2 Complaints relating to the Program are received, acknowledged, handled and resolved in accordance with the complaints handling procedures set out in the Tamara Customer Terms and Conditions, including the applicable timeframes and your right to escalate a complaint to the competent authority if you are not satisfied with our response.

12. General

12.1 The rights granted under these Terms are personal to you and may not be transferred. We may transfer our rights and obligations to another company within the Tamara group or to a third party, provided this does not reduce your rights.

12.2 Any failure or delay by us in exercising a right under these Terms is not a waiver of that right.

12.3 If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force.

12.4 We will send notices through the Tamara app, by email or by SMS to the contact details registered on your account. You must keep those details up to date.

12.5 We are not liable for any failure to perform caused by events beyond our reasonable control, but this does not affect Rewards validly earned.

13. Language

13.1 These Terms are issued in Arabic and English. In the event of any conflict or inconsistency between the two versions, the Arabic version prevails.