9.1 Only one PIN Number can be linked to your Account at any time.

8.1 All Debit Transactions from your Account will be effected by Transfer Instructions authorised with the PIN which you choose when you register, or by such other method we may prescribe from time to time.  Proof of ID will be required before any Transaction can be effected and the ID presented will be recorded by the Agent on each Transaction.

The M-PAiSA services are made available to you subject to these Conditions of Use:-

3.1 You will be liable to pay applicable Tariffs for your use of the M-PAiSA Services and such Tariffs may be deducted directly from your Account.

The following definitions relate to these Conditions of Use:

2.1 “Account” means your M-PAiSA Account, being the record maintained by us of the amount of E-Value from time to time held by you and represented by an equivalent amount of cash held by Vodafone on your behalf.
2.2 “Agents(s)”, or “M-PAiSA Agent(s)” or “Authorised M-PAiSA Agent(s)” means person(s) or entities registered by Vodafone to provide M-PAiSA Services, details of who may be obtained by calling Vodafone’s customer care number on 123.
2.3 “Agreement” means these Conditions of Use together with the Registration Form.
2.4 “Charges” means the Tariffs and other charges payable by you under this Agreement for use of the M-PAiSA Services.
2.5 “Conditions of Use” means these terms and conditions as may be varied by us from time to time.
2.6 “Credit Balance” means the amount of E-Value from time to time standing to the credit of your Account.
2.7 “Credit Transaction” means any transaction which results in your Account being credited with E-Value as verified by M-PAiSA.
2.8 “Customer” means you and every other person in whose name an Account for the M-PAiSA Services is registered.
2.9 “Customer Referee Letter” shall refer to the template of letter which may be provided to you by the M-PAiSA Agent which you are required to complete if you do not have sufficient documents to verify your identification as part of the registration process.
2.10 “Vodafone Customer Care” means access to Vodafone’s customer care you can gain by calling 124 (prepay) 125 (postpay) or 123 charged line. 
2.11 “Debit” means the movement of funds out of your Account.
2.12 “Debit Transaction” means any transaction which results in a Debit of E-Value from your Account as verified by M-PAiSA.
2.13 “E-Value” means the electronic value recorded in your Account, such electronic value representing your proportionate entitlement to the cash amounts held by Vodafone on behalf of you;
2.14 “ID” means your identification in the form of documentary evidence as required by the M-PAiSA Agent in order to proceed with all Agent related transactions, that is, registration for M-PAiSA services, cash withdrawals and cash deposits. Such documentary evidence may be in the form of (either one, a few or together all) a Passport, Fiji National Provident Fund Card, Driver’s License, Military/Police Card, Birth Certificate, Marriage Certificate, Social Welfare Card, Citizenship Certificate and/or VNKB Certificate
2.15 “Mobile Equipment” means your Mobile Phone and SIM Card or other equipment which when used together allows access to M-PAiSA Services 
2.16 “Mobile Phone” means your mobile phone handset.
2.17 “M-PAiSA Services” means the services provided by Vodafone for the issue and redemption of E-Value and the transfer of E-Value between Customers on the basis of Transfer Instructions including the recording of all Transactions, verifying and confirming all Transactions concluded and updating Customer Account records.
2.18 “M-PAiSA System” or “M-PAiSA” means the system operated by Vodafone providing the M-PAiSA Services.
2.19 “M-PAiSA Website” refers to the M-PAiSA Section on website address www.vodafone.com.fj
2.20 “MSISDN” means the mobile station identification number issued to you with the SIM Card and corresponding identity number and PUK for accessing the Network
2.21 “Network” means the Vodafone mobile telecommunications network in Fiji.
2.22 “Outlet” means any shop, unit or other retail premises operated by an M-PAiSA Agent.
2.23 “Payments” means money paid to an M-PAiSA Agent, for the purchase of an equivalent amount of E-Value sums credited to your Account, any such monies thereafter being held by Vodafone for you as specified herein.
2.24 “PIN” means your personal identification number being the secret code you create at the time of activating your account and that must only be known to you as the M-PAiSA account holder which you shall use to access and operate your Account.
2.25 “Pre-paid Recharge” means mobile phone calling credit on Vodafone’s Network.
2.26 “Registration Form” means the registration form containing registration details and execution of which deems acceptance by you of these Conditions of Use.
2.27 “Registration Form number” refers to the unique number allocated to you and written on your Registration Form on the top right hand corner.
2.28 “SIM Card” means the subscriber identity module which when used with the appropriate Mobile Equipment enables you to use the M-PAiSA Services.
2.29 “SMS” means a short message service consisting of a text message.
2.30 “Activation Code” means the one-time 4-digit PIN sent to you on registration for the purpose of activating your Account.
2.31 “Tariffs” means actual charges for use of the M-PAiSA Services
2.32 “Tariff Guide” means a catalogue published for the Tariffs payable for the M-PAiSA Services, as updated from time to time.
2.33 “Transactions” means any of the transactions specified in Clause 8.5.
2.34 “Transfer Instructions” means instructions given via USSD for the transfer of E-Value from one Customer to another.
2.35 “USSD” means Unstructured Supplementary Service Data being session based protocol used to access the M-PAiSA menu
2.36 “we” or “us” or “our” means Vodafone Fiji Limited 
2.37 “you” or “your” means the Customer.

• To process the products and services you’ve bought from us, and keep you updated with the progress of your order.
• To provide the relevant product or service to you. This includes other services not included in your agreement with us (PayPal, for example), services that use information about where you are, and to contact with you messages about changes to the products or services.

• To bill you for using our products and services, or to take the appropriate amount of credit from you.
• Contact you if the billing information you provided us with is about to expire or we’re not able to take payment.
• To respond to any questions or concerns you may have about our network, products or services.
• Service messages
• We will contact you with customer service messages to keep you updated with current information about products and services you’ve taken. For example, changes to our terms and conditions or service interruptions.

• To improve your roaming experiences, to ensure that we’re meeting our commitments around fair use, to detect and resolve fraudulent use of our networks (and our partners' roaming networks) and to solve technical issues if you are experiencing any.
• To understand how Vodafone is performing in providing roaming services, whether roaming services and related products are working as intended, or whether improvements are needed to make roaming better.

• We collect anonymous, de-identified or aggregate information in order to improve the service we offer to everyone. None of these analytics are linked back to you in any way.

• To protect our networks and manage the volumes of calls, texts and other uses of our networks. For example, we identify peak periods of use so we can try and ensure the networks can handle the volume at those times.
• To understand how you use our networks, products and services. That way we can seek to review and improve these, and develop more interesting and relevant products and services, as well as personalising our products and services.

• As our customer, we will keep you informed generally about new and existing products and services, send you newsletters or white papers, invite you to participate in market research or let you know about offers, promotions, prize draws or competitions. We tailor these messages for example, based on the sorts of products and services you’ve bought from us.
• If you have given your permission, we will also contact you to let you know about products and services. There are various ways that we may do this – for example, by email, post, phone, text, picture message or notifications through our apps.

• To deliver advertising that is relevant to you, you’ll also see targeted advertising online based on the use of cookies. This is known as interest-based advertising. It can be on websites belonging to the Vodafone Group, those of other organisations as well as other online media channels such as social media sites. We may also combine data collected via the cookies with other data we have collected. If you don't want any information processed through the use of cookies, check the 'Cookies' section in this Privacy Portal. It explains how to control and opt out of cookies.
• Remember that opting out of interest-based advertising doesn't stop advertisements from being displayed – it's just that they won’t be tailored to your interests.
• You will also see advertising in your social media, for example in your Facebook or Twitter feed. If you don’t want to receive this advertising, go to the relevant platform’s ad settings.

• Conduct market research and to carry out research and statistical analysis, including to monitor how customers use our networks, products and services;
• Frame our marketing campaigns and determine how we might personalise those;
• Provide reports to third parties (such reports don’t contain information which may identify you as an individual). For example, as part of Vodafone Analytics

• We will carry out a credit check when you apply for a contract for any products or services with us.
• We will also use your personal information for identity verification purposes, for access to your account and for general account management. We sometimes supplement the information we collect about you with information from other sources (for example, the electoral roll and credit reference agencies) to assess the accuracy of the information that we hold.

• We will process your personal and traffic data in order to protect against and detect fraud, to protect and detect misuse or damage to our networks, to recover debts or trace those who owe us money resulting from the use of our services.

• The performance of your contract or to enter into the contract and to take action on your requests. For example, so you can make calls and texts, and browse the internet on your phone, we process things like the numbers you dial, how much data you’re using and when you’re doing it so we can provide connectivity. This also enables us to generate your bill, based on your usage. We also need to conduct credit checks when you apply for a product or service.
• Vodafone’s legitimate business interests, for example, fraud prevention, maintaining the security of our network and services, direct marketing, and the improvement of our services. Whenever we rely on this lawful basis to process your data, we assess our business interests to make sure they do not override your rights. Additionally, in some cases you have the right to object to this processing. For more information, visit the 'Your rights' section of this policy.
• Compliance with a mandatory legal obligation, including for example accounting and tax requirements, which are subject to strict internal policies (such as retention periods), procedures, and your right to restrict usage of your data, which control the scope of legal assistance to be provided.
• Consent you provide where Vodafone does not rely on another legal basis. Consent may be withdrawn at any time. When you give your consent, you will be given details on how to change your mind or visit the 'Your rights' section of this policy for more information

• Buy or use any of our products and services
• Use our network or other Vodafone products and services
• Register for a specific product or service
• Subscribe to newsletters, alerts or other services from us
• Contact us through various channels, or ask for information about a product or service
• Take part in a competition, prize draw or survey
• Visit or browse our website
• Have given permission to other companies to share information about you
• Where your information is publically available
• Are the customer of a business that we acquire

• Your name, address, phone and/or mobile number, your date of birth, gender and email address.
• Your traffic data. This is data we see as part of providing you with connectivity, like the numbers you call, the time and duration of the call or how you are using data.
• Your location data. This can be precise where it uses Global Positioning System (GPS) data or by identifying nearby mobile phone masts and Wi-Fi hotspots and you enable location-based services or features. Or less precise where, for example, a location is derived from your IP address or data such as a post code or name of a town or city.
• Your contact with us, such as a note or recording of a call you make to one of our contact centres, a Live Chat, an email or letter sent, or other records of any contact with us.
• Your account information, such as dates of payment owed or received, subscriptions you use, account numbers or other information related to your account or included in My Vodafone.
• Credential information – we’ll collect passwords, hints and similar security information used for authentication and access to accounts and services.
• Your preferences for particular products, services and lifestyle activities when you tell us what they are, or we assume what they are, based on how you use the products and services.
• See the 'Cookies' section for details on what we collect using cookies, web beacons and other technologies, including ad data.
• Information we obtain from other sources, such as credit agencies, fraud-prevention agencies, and from other data providers. This includes demographic data, interest-based data, and internet browsing behaviour.

• The level of service that you receive – for example, network or service faults and other events that may affect our network services or other services;
• Details of your use of the specific services or products, for example: every time you use your mobile phone, a record is kept. This includes the number you called or sent a text or picture message to, the length, date and time of that call, text or picture message and your approximate location at the time that the communication takes place (based on the location of the nearest cell that you sent that call or message from). The same is also recorded every time you receive an incoming call or message. We don’t, however, keep a record of the content of your calls or messages.

• “we/us” means Vodafone Limited
• “third party” means someone who is not you or us
• “Vodafone Group” means Vodafone Group Plc and any company or other organisation in which Vodafone Group Plc owns more than 15% of the share capital