Our Services

genie enables you to use your mobile device ("Mobile Device") to view your genie account and provides the services as detailed herein (the "Services").

The primary function of Genie is to act as a hub for mobile money, payment related services and other value added services (individually “Product” and collectively “Products”) which shall include but not be limited to the following:

• Mobile phone-based e-money services- This service, which is offered by Dialog Axiata PLC, enables you to link your eZ cash mobile wallet, top up and carry out a range of financial transactions direct from your mobile phone;
• Loans-This service, which is offered by Dialog Finance PLC, Telecard (Private) Limited or any other entity, as applicable, enables you to obtain an instant loan directly from your mobile phone;
• Savings and Investment -This service, which is offered by Dialog Finance PLC, enables you to open a digital savings account and perform financial transactions;
• Genie Payment Services -the integrated digital payment solution permits you to add your Visa/Mastercard Debit/Credit cards and carry out merchant payments (“Genie Payment Services”), and is a service offered by Dialog Axiata PLC.
• Loyalty-This service, which is offered by Dialog Axiata PLC, enables you to easily view the Star Points balance and carry out a range of transactions directly from your mobile phone


The Service Provider shall at its sole discretion offer to you any other Products offered by the Service Provider or any third parties from time to time, other than those specified in these Terms and Conditions.

Genie can be downloaded to your Mobile Device and used at no additional charge to you.

You understand that you may not have access to all of the services offered on your Genie account.

You agree to link all the Products with your Genie account.

You permit the Service Provider to use your Personal Data in order to better serve you and in accordance with the Service Provider’s Privacy Notice at https://www.dialog.lk/privacy-notice (“Privacy Notice”). Personal Data and matters relating to Personal Data will be defined as per the definitions provided in the Service Provider’s Privacy Notice.

You permit the Service Provider to check the balance in each of the Products registered in your name and display the same in the Genie account.

You understand that in order to use the Products through Genie, you may be required to submit your Personal Data in accordance with the know your customer protocols and applicable privacy policies of each Product. You further agree that the provisions of Clause 8.5 hereof shall apply, in the event you fail to provide the required Personal Data or if you provide incorrect, fraudulent or fictitious Personal Data.

By downloading, accessing and logging into genie, you consent to have read, understood and accepted this Agreement and corresponding Privacy Notice. You will be bound by this Agreement and corresponding Privacy Notice which will continue to apply every time you use Genie.

By accessing, logging in and using the Products through genie, you further agree that you have read, understood and accepted the terms and conditions and privacy policies of the respective Products. The terms and conditions and privacy policies of each Product will continue to apply every time you use the respective Product through genie. The terms and conditions and privacy policies of each Product are available for your reference on the website allocated for the respective Product.

In the event of a conflict between the terms specified herein and the terms and conditions and privacy notice of a Product, the Terms and Conditions and privacy notice of the respective Product shall prevail.

All registrations shall be done in your name and your corresponding mobile phone numbers and shall be operated singly by you.

Only Sri Lankan citizens with a valid National Identity Card shall be permitted to register with genie and unique log in credentials will be created for you.

You shall maintain an active mobile phone number with a mobile phone.

You shall not at any one point delete or disable your Genie account as long as an active loan or outstanding payment under any of the Products is still existing and running.

The rate of service charge earned and accruing on Genie and/or the Products shall be decided solely by the Service Provider and/or the third party providing the respective Product.

You agree and undertake to be responsible for keying in the correct log in credential details, your mobile phone number and transaction details. The Service Provider shall not in any way be liable for any transactions which occur due to erroneous details inserted by you.

You further undertake to exercise a duty of care to ensure that your Genie account is not accessed by unauthorised persons.

The Service Provider shall not be liable and/or under any obligation to refund any monies lost by you under any circumstances.

The Service Provider shall not reverse or treat as unauthorised any transaction and/or request that contain errors occasioned by you.

You may not assign or otherwise dispose of any of your rights and obligations under this Agreement. The Service Provider may transfer or assign its rights and obligations under these conditions and such transfer or assignment shall be effective upon notification of the same to you.

The Service Provider does not own or operate the third party Products offered on Genie. You therefore acknowledge that the third parties providing Products on Genie are entirely responsible for, inter alia, resolving customer queries/disputes and providing refunds (if any) in accordance with the terms and conditions of the relevant third party Product.

You are responsible for ensuring that you are viewing the most recent version of the Genie. If we upgrade, update or modify Genie (the "Modifications"), you acknowledge that.

you may be required to promptly install and use the Modifications in order for you to be able to continue to access and use Genie.

You may establish a link or “deep link” to Genie from your site, provided that you have obtained our prior written consent and that at our sole discretion, the context is deemed relevant and the link or its description is not detrimental to us.

The functionalities provided via the genie Payment Services shall include but not be limited to:

Over the counter payments

Online Payments

Remote payments

You can make a payment via the Genie Payment Services with all payment instruments issued under payment franchises acquired by the Service Provider for the Genie Payment Services and credit and debit cards authorized for transactions by their respective issuing banks (All payment cards are hereinafter collectively referred to as the ‘Cards’).

The Service Provider is entitled at any time to refuse total or partial payment or, if payment has been made, to debit any account with such amount or to seek immediate reimbursement thereof, notwithstanding any authorization and/or authorization code numbers given by the Genie Payment Services in certain circumstances, including but not limited to:

The transaction being for any reason fraudulent, unlawful or unenforceable;

The price charged to you, the legal owner of the physical debit/credit card, being in excess of the quoted price for the goods supplied or the services performed;

The goods and/or services covered by the transaction being rejected or returned or the transaction or part thereof, being validly cancelled or terminated by you;

If you dispute the nature, quality or quantity of the goods and/or services covered by the transaction;

Any information pertaining to the Genie Payment Services presented electronically to us in respect of the transaction not being received in accordance with our requirements;

you dispute or deny the transaction, or the sale or delivery of goods and/or services covered by the transaction with reasons; or

(i) the Card/account number is listed in a current warning notice; or (ii) your Genie account or the payment option has expired or is not yet valid; or (iii) your payment option’s usage is geographically restricted; or (iv) we have been advised to decline your payment option after authorization checking.

The Service Provider shall have the right not to grant you access to genie in the following events:

if authorized by or under law; or

if providing access would be likely to prejudice;

an investigation of possible unlawful activity;

the prevention, detection, investigation, prosecution or punishment of criminal offences, seriously improper conduct or breaches of law; or

the enforcement of laws relating to terrorism or crime, money laundering, suspicious transactions, financial reporting; or

the safety of the public or

the preparation for, or conduct of, proceedings before any Court or Tribunal, or implementation of its orders by or on behalf of an enforcement body; or

an enforcement body performing a lawful security function requests the Service Provider not to provide access to the information on the basis that provid