By activating or using your Debit card (virtual or/ and physical), you agree to the following Terms and Conditions.

I ACKNOWLEDGE THAT SIGNING/APPROVING THE DIGITAL APPLICATION, ACKNOWLEDGING RECEIPT OF DEBIT CARD CREDENTIALS, PERFORMING ANY TRANSACTION USING THE DEBIT CARD, OR AFTER TEN (10) DAYS FROM THE DATE OF ISSUANCE OF VIRTUAL CARD CREDENTIALS, CONSTITUTES MY ACCEPTANCE OF THESE TERMS.

1. Definitions

1. “Virtual Debit Card” means the digital-only card credentials (Card Number, Expiry Date, CVV and dynamic authentication factors such as OTP, issued for online/card-not-present transactions.
2. “Cardholder” / “Customer” means the individual to whom the Debit card (virtual or/ and physical) is issued.
3. “Account” refers to the savings account(s) linked to the Debit card (virtual or/ and physical).
4. “Transaction” means any permissible instruction given using the virtual debit card, including online payments, wallet linking, recurring billing, and digital authorizations.
5. “statement” means the periodic electronic statement sent by the company, setting out transactions and balances for the relevant period.
6. “Merchant establishments” means online businesses, digital payment platforms, and any entity honoring card-not-present transactions.
7. “Primary account” means, in case of multiple accounts linked to the virtual card, the main/first account designated for settlement of purchases, fees and charges.
8. “International transactions” means all transactions effected while outside Sri Lanka or where the merchant/acquirer is located outside Sri Lanka.
9. references to “you/your/he/him/her” shall, where context admits, mean the accountholder or cardholder and include all genders.

a. Virtual debit card Facility

The Virtual Debit card is a card-on-file credential with no physical plastic, intended strictly for e-commerce, in-app, and other card-not-present transactions that comply with Sri Lankan regulations and card scheme rules.

b. Terms & Conditions Applicable to the Debit card (virtual or/ and physical)

1. At all times regard the Debit card (virtual or/ and physical) credentials as the property of Dialog Finance PLC and surrender/disable them unconditionally upon demand.
2. Not to use or attempt to use the Debit card (virtual or/and physical) unless there are sufficient funds in the linked account to cover the transaction.
3. Not to use or attempt to use the Debit card (virtual or/ and physical) after any notification of its cancellation, suspension, withdrawal or non-renewal has been issued by the Company or any person acting on its behalf.
4. To restrict use of the Card (virtual or /and physical) exclusively to the person named overleaf as it is not transferable.
5. The Company will not be responsible for the Debit card (virtual or/ and physical) not being honored by a merchant, payment gateway or acquirer for any reason whatsoever.
6. All transactions effected in currencies other than Sri Lankan Rupees (LKR) will be debited to the account after conversion into LKR at the exchange rate determined by the applicable card scheme (e.g., Visa/Mastercard/UnionPay/JCB), together with any margin/fees levied by the Company and/or card scheme.
7. An additional charge may be levied by merchants or card schemes for Dynamic Currency Conversion (DCC) and multi-currency transactions.
8. App/portal balances, alerts and receipts shall not be taken as conclusive of the state of the Customer’s account; the Company’s official records shall prevail.
9. In addition to these Terms, the Customer will be governed by rules and regulations imposed by the relevant payment card schemes.
10. Use of the Debit card (virtual or/ and physical) is restricted exclusively for personal expenses and cannot be used for business transactions, commercial imports, capital transactions, or settlement of commercial invoices.
11. Use of the Debit card (virtual or/ and physical) is subject to the Foreign Exchange Act, Electronic Fund Transfer Card Directions and the Payment & Settlement Systems framework of Sri Lanka; transactions not permitted under those instruments are prohibited.
12. The Debit card (virtual or/ and physical) shall not be used for dealings in foreign exchange (Forex trading), virtual currency/cryptocurrency transactions, betting, gaming and gambling activities outside Sri Lanka, or payments for import of goods into Sri Lanka for commercial purposes.
13. Suspected fraudulent transactions performed using Debit card (virtual or/ and physical) credentials will be handled according to the card scheme rules; liability for card-not-present transactions rests with the cardholder unless proven otherwise.
14. Sri Lankan nationals residing overseas and holding a valid resident visa with access to our Debit card (virtual or/ and physical) undertake to inform the Company of any changes to their residency/nationality status.
15. I acknowledge that my use of the debit card (virtual or/and physical) is also subject to the terms and conditions governing my underlying savings account with the company.
16. The primary account designated by me will be used for settlement of purchases, fees, and charges related to the debit card (virtual or /and physical).
17. Performing any transaction using the debit card (virtual or/ and physical) shall constitute acceptance of these terms.
18. Immediately notify the Company if Debit card (virtual or/ and physical) credentials are compromised / Loss of the physical card; liability ceases for transactions after official acknowledgment of such notice by the Company Or deactivating of the Card via the Genie application.

c. e Statement Facility

1. Electronic statements will be delivered via email/mobile app and constitute official communication for transaction posting and disputes.
2. The Customer shall verify statement entries and notify discrepancies within 14 days of statement date; otherwise, entries shall be deemed correct.
3. Electronic statements may include additional information, such as service messages or transactional notes, as determined by the company.

d. Security & Device Hygiene (Virtual)

1. Performing any transaction using the virtual card constitutes acceptance of these virtual-specific terms.
2. Inform the Company of any changes to residency or nationality status when using an internationally enabled card.
3. Card-not-present fraud handling follows applicable card scheme dispute procedures.
4. Access may be restricted, suspended, or deactivated if the linked account is closed or inactive.
5. Restricted to personal expenses; not permitted for business/commercial use.
6. Pending/authorized transactions shown digitally are final only once posted to the account.
7. Electronic/app balances and alerts are indicative; Company’s official records prevail.
8. Credentials must be treated as confidential and not stored in readable form.
9. It is intended primarily for e-commerce, in-app, and other card-not-present transactions.
10. Keep all authentication factors (PIN, CVV, OTP, passwords, device unlock codes) strictly confidential and never store them in readable form.
11. Use trusted, up to date personal devices and browsers; enable biometric/device binding where available.
12. Although this is a virtual card, responsibilities applicable to physical debit cards, including safeguarding credentials—apply equally here.

e. Ownership & Security of Virtual Card

The Virtual Card is issued for the Customer’s sole use, and the Customer is responsible for maintaining security, confidentiality, and proper use (including card number, CVV, expiry, and any associated PIN/OTP). The Company is not liable for any loss, damage, unauthorized transaction, or misuse arising from the Customer’s failure to safeguard the Virtual Card credentials, device, or access controls, except to the extent required by applicable law.

f. Company’s Right to Terminate or Suspend

The Company may cancel, suspend, or refuse to renew a Debit card (virtual or/ and physical) at any time without prior notice were permitted by law, including suspected misuse, regulatory non compliance, or risk management requirements.

• I acknowledge that the company may amend these terms from time to time, and continued use of the debit card (virtual or/ and physical) constitutes acceptance of such amendments.

Customer Declaration

I confirm that I have read and fully understood all terms in this Agreement, and agree to comply with all legal, regulatory, and security obligations applicable to the Debit card (virtual or/ and physical).