الشروط و الأحكام

These Terms and Conditions constitute a legally binding agreement (“User Agreement”) between the Client (“you”, “your” or the “User”) and HKS GLOBAL GROUP DMCC (the “Company”) in its capacity as owner and operator of, doing business as ARPAY. Please read this carefully before using this website. By accessing and using ARPAY services, you agree with and agree to adhere to the provisions of this agreement. If you do not agree to abide by the above and be bound by Terms and Conditions, please cease using our services (e.g., visit our website, create a user profile etc.). The failure of the Company to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. The Terms of Service constitutes the entire agreement between you and ARPAY and govern your use of the website and services, superseding any prior agreements between you and ARPAY (including, but not limited to, any prior versions of the Terms of Service).

Description of Service

The website is owned and operated by HKS GLOBAL GROUP DMCC, with legal address: Unit No 1306, The Dome Tower, Plot No: JLT-PH1-N1 Jumeirah Lakes Towers, Dubai, UAE. Our mission is to provide a secure, quick and safe shopping process in GCC and Arab countries. Our company is a trusted reseller of popular brands such as Google Play, iTunes or PlayStation. All prepaid cards presented on our website may be used at various online shops, e-wallets and more. Gift cards and Vouchers purchased from us can also be used as gift certificates, which means that they can be redeemed on corresponding websites to buy software, games, and many other items. Our products represent digital codes that the client receives immediately after completing the payment and, when applicable mandatory KYC verification.

User Responsibilities

To be eligible for ARPAY services, you must be older than 18 years old. To create your account in ARPAY and make a purchase, you will have to provide us with some personal information: your name, address, telephone and email address, proof of identity (for more information about how we process the data, please refer to our Privacy Policy). By completing the registration process on our website, you acknowledge that all the information provided is true, accurate and up-to-date. By clicking the confirmation tick box, you give explicit consent to the Terms and Conditions. We may use the collected personal data to contact you, process payments for our services, provide you with all necessary information about our products, payment methods, delivery, etc., and conduct customer surveys.

The client is responsible for complying with all requests made by ARPAY and our service providers if needed to authenticate his identity or validate the funding source to his ARPAY account. If you are not able to provide us with this information, ARPAY has the right to suspend access to your account or even close it.

All the prepaid cards, coupons, e-vouchers, game codes, CD keys, and any other service made available by ARPAY (collectively the “Services”) are non-refundable digital items. As it cannot be ascertained whether the product has already been used, the service could be used only once, and the right of withdrawal is not available. The Client is responsible for his choice - by accepting this User Agreement, he acknowledges that he has read the product description carefully and is sure that the electronic goods he has bought are correct and compatible with his device.

You are responsible for keeping your password secure. You are responsible for maintaining the confidentiality of the account and access credentials and are solely and entirely responsible for all activities that occur under your account, whether or not you have authorised such activities or actions. We cannot and will not be liable for any loss or damage from your failure to maintain the security of your account and password.

The User is not allowed to use the Services directly or indirectly for any commercial purposes unless explicitly permitted by ARPAY.

You shall not use our website, products and/or services to conduct any fraudulent, immoral or illegal activities or such activities that may infringe the intellectual property rights of third parties. Any intellectual property belonging to ARPAY or any vendor brands listed on the website, including, without limitation, trademarks or trade names, whether registered or not, shall not be used, modified, replicated, resold by the Client without the prior written consent of ARPAY.

You acknowledge that your use of ARPAY products is at your sole risk. The Services are provided on an “as is” and “as available” basis without any warranty or condition, express, implied or statutory, including but not limited to implied warranties of merchantability and fitness of particular purpose.

You expressly understand and agree that the Company shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, or damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or inability to use the Services.

In no event shall we or our partners, vendors, affiliates, subsidiaries, etc., be liable for lost profits or any special, incidental or consequential damages arising out of or in connection with our site, our services or this agreement (however arising including negligence). You agree to indemnify and hold us and (as applicable) our officers, directors, agents, and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference or your violation of any law or the rights of a third party or your use of the Service and our website.

The Services may provide, or third parties may provide, links to other websites or resources. As we have no control over such sites and resources, you acknowledge and accept that ARPAY is not responsible for the availability of such external sites or resources and do not endorse and are not responsible or liable for any information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other content advertising, products or other materials on or available from such sites or resources. As such, you also acknowledge and accept that ARPAY does not and is not obligated to examine, evaluate or screen any of these external resources and does not warrant or endorse any of the information, content, offers or claims of these third parties. You further acknowledge and agree that ARPAY shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

Verbal or written abuse of any kind (including but not limited to threats of abuse or retribution and defamatory statements) of any ARPAY customer, employee, member, or officer will result in immediate account termination.

You acknowledge and agree that ARPAY may at its absolute discretion refuse or permit you to use the Services without giving any reason or notice thereof.

You irrevocably and unconditionally allow and permit ARPAY to send you notifications, updates, invitations, newsletters and events offered or provided by us.

You agree that you must retain a copy of all transaction records and our policies and rules.

Order Process

Our website displays a complete and precise description of prepaid cards, gift cards, vouchers and codes based on information provided by our partners and product suppliers. To complete a purchase, the client is required to enter a valid phone number and email address. A notification of the various payment options is shown at the beginning of the order process. We accept Visa and Mastercard debit and credit cards denominated in AED (United Arab Emirates Dirham), USD (United States Dollar) and other currencies as valid forms of payment.  We shall be entitled to change, remove or modify the payment methods available to the customers without prior notice.

Given the products nature, you are required to pay the full due price and all applicable taxes before being supplied with the chosen digital product. This User Agreement shall become effective only after successful payment is made by the client.

We reserve the right to cancel any payment request made by you or refuse to supply the digital item(s) without giving a reason. In the latter case, we shall not collect the payment you made or refund the amount received.


Our services are usually available on a daily basis unless otherwise specified in the description. Products purchased on our website shall be supplied to you via the e-mail address linked to your account and/or by displaying the code associated with the order directly on the ARPAY site. The digital items shall be delivered as soon as we confirm your payment has been received. The supply period shall depend on the chosen means of payment (e.g., payments made with some payment methods such as bank transfers, PayPal, Skrill and credit cards may take up to five business days to process).The digital items shall be delivered in the order page by clicking show product or via email. Please ensure that the email address provided during the checkout process is accurate and up-to-date to ensure prompt delivery of the purchased items. We take great care in ensuring that our  delivery process is secure and reliable, and we remain committed to providing our customers with the highest level of service and satisfaction.

Unless otherwise provided in this Agreement, ARPAY shall be entitled at its absolute discretion, without notice to you, to change the procedures, the mode of operation of the Services at any time and from time to time for any reason whatsoever.


We will not disclose any personal information to third parties unless we have your explicit permission or we are legally required to do so. At the same time, we cannot be held responsible for any fraud activities targeting your account. We strongly recommend not to divulge your password to anyone and sign out of your account when you stop using the website for higher safety. For more information, please refer to our Privacy Policy.

Intellectual Property

All names, trademarks, logos and images displayed on our website are registered trademarks of HKS GLOBAL GROUP DMCC and others. Nothing contained in our site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any intellectual property displayed on our site without the written permission of the Company or such third party that may own the corresponding trademarks. Your use of the trademarks displayed on our site, or any other content on our site, is strictly prohibited.

The entire content of this site consisting of inter alia text, video (of any format, streaming or otherwise), audio clips (of any format, streaming or otherwise), data assemblages, graphics, logos, buttons, icons and any software is proprietary ARPAY or its content provider or other third parties and is protected under the international and domestic copyright laws.

You agree not to alter, modify, reproduce, duplicate, copy, sell, resell or exploit any portion of our products and services, use or access to our products and services without the express written permission by the Company.


We reserve the right to modify, delete and amend these Terms and Conditions at any time whenever deemed necessary. The changes will be effective after posting on the website. We shall not personally warn the clients about these alterations that means you will be expected to review our website for updates regularly. You agree that continued use of our services shall constitute your acceptance of these Terms of Service (as modified and varied from time to time).

Disclaimers and Limitation of Liability

We make every effort to process your transactions in the shortest time possible; however, the exact timeframe cannot be predicted when placing the order.

Our website can have links to third-party websites that we do not control or maintain. This means we cannot accept responsibility for the materials or offers featured on such websites.

ARPAY is not responsible for any programming error or technical problems that may be affected by factors outside our control.

We shall never be liable for indirect damage, including but not limited to consequential damage, loss of profit, missed savings, damage due to business or other types of stagnation or any damage as a result of failure to perform work carried out by third parties or goods delivered by third parties.

We shall not trade with or provide any services to OFAC (Office of Foreign Assets Control) and sanctioned countries in accordance with the law of UAE.


If any dispute or claim arises out of or in connection with this User Agreement, the parties should attempt amicably to settle the dispute through negotiations over a period of 30 (thirty) calendar days commencing on the date that a party first sends to the other party written notice of the dispute. If this dispute has not been settled amicably by the parties by the end of 30 days-period, the parties hereby agree that the dispute shall be referred to and finally resolved by higher courts.

Governing law

These Terms and Conditions shall be governed by and construed in accordance with the laws of UAE. The courts of UAE have exclusive jurisdiction to settle any dispute arising out of or in connection with this User Agreement.

Payment Processors and Legal Entities:

Payments initiated on the website are handled through HKS GLOBAL GROUP DMCC, address: Unit No 1306, The Dome Tower, Plot No: JLT-PH1-N1 Jumeirah Lakes Towers, Dubai, UAE.