Consumer Awareness Program

  • Sender and Recipient : The sender is the person initiating the money transfer, while the recipient is the individual receiving the funds. Remittances are commonly used by migrant workers sending money back to their families in their home countries.
  • Counter Parties Involved : Capital Exchange maintains several counterparties to facilitate customers’ Remittance transactions. Upon receipt of a Remittance Order from customers, Capital Exchange reserves the authority to select the counterparty for the execution of remittances. However, for IMTS services, customers possess the prerogative to choose their preferred counterparty. It is important to note that all counterparties engaged by Capital Exchange have received approval from the Central Bank of the United Arab Emirates.
  • Fees : Remittance Charges are subject to change in line with the remitting countries and the amount of charges varies in line with the amount of being transferred. The detailed charges are available on our website www.capitalexchange.ae
  • Turnaround Time: Turnaround Time for the various remittance modes are as follows:
    IMPS: 24 – 48 Hours
    Cash Pickup: 24 – 48 Hours
    NEFT: 24 – 48 Hours
  • Refund and Cancellation : Refunds pertaining to invalidated transfers, or any additional remittance transactions that are returned unpaid for any cause shall be returned to the originator at the extant prevailing market purchasing rate or the transaction rate, as deemed lower. This recompense shall exclude the expenses associated with transmission, deductions originating from the beneficiary bank, charges linked to cancellation, and any supplementary expenditures sustained. Preceding the disbursement of restitution, it is mandatory to acquire an attestation denoting the absence of payment and the revocation of the initial directive from our affiliated bank or designated representative. To initiate the procedure of annulment, the initiator must furnish the original acknowledgement to the designated establishment.

Disclosure and Transparency

  • Disclosure and Transparency are complementary positive practices that will be adopted by Capital Exchange.
  • Capital Exchange will undertake the obligation for disclosure by providing quality, accurate, complete & timely, effective, and useful information to consumer proactively that are necessary to make an informed decision regarding our Financial Products and Services.
  • The Exchange House undertakes to proactively provide useful information and advice in the Market to uphold Transparency.
  • Capital Exchange House will not engage in deceptive, misleading, fraudulent, or unfair advertisement. As part of responsible advertising, it will be ensured that the communications and the materials in the advertising are simple and easily understandable by the Consumers. 

Market Conduct

  • Capital Exchange will uphold the integrity of the Financial Market through responsible Market activities, contributing to the overall stability and confidence in the financial system.
  • The Exchange undertakes to sell and provide Consumers with appropriate products and/or services in accordance with the principles of the Consumer Protection Regulation as explained in this policy.
  • Capital Exchange will promote a competitive market by improving the freedom of choice through transparency, eliminating unreasonable and unfair barriers to competition, and providing comparative information on products and services, if required.
  • The Exchange will actively monitor, identify, respond, and address misconduct and potential market conduct risks.

Business Conduct

  • Capital Exchange will Follow appropriate Business conduct which instils an internal culture and behaviour of integrity and ethics in its services and activities including product design, development, promotion, sales, distribution, and providing finance practices;
  • Focus on minimizing Conflict of Interest and Consumer risks.
  • Ensure the financial well-being of its Consumers and will always treat consumers fairly.
  • Act with due skill, care, and diligence, fairly, honestly, and professionally in the relationship with Consumers.

Protection of Consumer Data and Assets

  • Capital Exchange will collect only the minimal amount of Consumer Data and information needed in respect of their licensed activities and remain in compliance with all other related laws. All guidelines related to consumer data, data protection, and related guidelines are clearly mentioned in the IT Security Policy
  • The IT Security Policy covers areas of Protection of Consumer Assets, Information and Data against Financial Crimes, Misappropriation and Misuse.

Consumer Education and Awareness

  • The exchange House will reduce the risk exposure of Consumers by enabling them to make financial decisions that are in their best interests by improving Consumers’ financial education and awareness.
  • The Exchange House provides unbiased educational information on the products through the website and ensures consumer awareness of any risks before acceptance of the product or services is completed.
  • Capital Exchange will assist in developing knowledge, skills, and confidence for customers to sufficiently understand risks, make informed choices, know where to go for advice/assistance, and take positive action to improve their own financial well-being.

Financial Inclusion and Gender & Racial Equality

  • Capital Exchange House provides consumers including vulnerable groups and People of Determination access to its Financial Products and Services and facilitates them to carry out financial transactions safely and efficiently. A people of determination is defined as a person suffering from a temporary or permanent, full or partial deficiency or infirmity in his physical, sensory, mental, communicational, educational, or psychological abilities to an extent that limits his possibility of performing the ordinary requirements.
  • The Exchange house ensures gender and racial equality by providing appropriate access to our products and services for Minority Groups who have differing financial needs.

Know Your Rights and Responsibilities

Consumer Rights

    • We value our customers and focus on keeping the Customer safe using our system. Every Customer of a Financial Institution has the following legally recognized consumer rights as per Consumer Protection Regulations and Standards (CPR) issued by the Central Bank of the UAE (CBUAE).
    • Right to be Treated Fairly: You are entitled to be treated fairly and equally with courtesy. The Exchange does not discriminate against the Customer based on gender, age, religion, caste, or physical ability when offering and delivering financial products and all Customers are treated on the Principles of Equality.
    • Right to Know: You have the right to know the correct information about the products and services that you are seeking. The Exchange has made every effort to ensure that the Customer understands our Products and Services. We are providing the key information related to our products in the Key Facts Statement which you have the right to read and review to make an informed decision. Moreover, our employees would be happy to assist you further with any enquiries that you might have.
    • Right to Choose: You have the right to choose the products and services that suit your needs the most from the multiple options available on the market. We offer products and services of quality and at competitive prices based on an assessment of the Customer’s financial circumstances and understanding.
    • Right to Privacy: The Exchange collects, holds, discloses and/or otherwise processes several types of personal data of the Customer with regards to your request for availing Exchange’s products and/or services. The Exchange has robust internal systems and controls to ensure Confidentiality of Customer information and We use the Personal Information in accordance with CPR. The Exchange will always request your expressed consent for the purpose of processing your Personal Data. That consent may be withdrawn by you at any time by providing notice to the Exchange.
    • Right to be Heard: The customer has a right to hold the Exchange accountable for errors, lapses in conduct, as well as non-performance or delays in performance of the product and/or services. If you have a complaint, first ensure that it is reasonable; If you believe that it is, you can use the following channels to raise an official complaint, and the Exchange is therefore obliged to act upon it –
      • Visit our Branch
      • Contact us on 050 5607180
      • Use our Feedback Forms available at our Branch
      • Email us at complaints@capitalexchange.ae

We always aim to respond to your complaint or query as quickly as possible.

If we’re unable to resolve your concern to your full satisfaction within 30 business days, you have the right to escalate your complaint to Sanadak.
Sanadak is an independent consumer protection unit that helps protect customers’ rights when dealing with financial institutions like Capital Exchange. They can assist you if your issue remains unresolved. You can reach Sanadak using the details:

Website: www.sanadak.gov.ae and Email: Info@sanadak.gov.ae

Consumer Responsibilities

You must provide accurate and correct personal and financial information to us. Failure to provide complete and accurate details may result in the request for financial services being refused.
You should read and understand all Terms and Conditions and ensure that you ask any questions that you might have prior to accepting them.
You should verify all the details gain sufficient information and choose the Product and/or Service that best suits your needs and financial capacity.
If there is a problem with the Product and/or service, You should visit or contact the Exchange to raise an enquiry or complaint in order to solve the problem before filing a formal complaint with the Consumer Protection Department at CBUAE.
You should not share your payment cards or personal and financial information like account numbers, PINs, user IDs and passwords with anyone.
You should immediately notify the Exchange in case of any unauthorized transaction on your name.

Consumer Awareness Program

  • Sender and Recipient: The sender is the person initiating the money transfer, while the recipient is the individual receiving the funds. Remittances are commonly used by migrant workers sending money back to their families in their home countries.
  • Counter Parties Involved: Capital Exchange maintains several counterparties to facilitate customers’ Remittance transactions. Upon receipt of a Remittance Order from customers, Capital Exchange will select an appropriate counterparty for the execution of remittances. Correspondent charges are applicable to some countries and will be deducted at the receiving end. However, for IMTS services, customers possess the prerogative to choose their preferred counterparty. It is important to note that all counterparties’ relations engaged by Capital Exchange have received approval from the Central Bank of the United Arab Emirates.
  • Fees: Remittance Charges are subject to change in line with the remitting countries and the amount of charges varies in line with the amount of being transferred. The detailed charges are available on our website www.capitalexchange.ae
  • Turnaround Time: Turnaround Time for the various remittance modes are as follows:
    • IMPS: 24 – 48 Hours
    • Cash Pickup: 24 – 48 Hours
    • NEFT: 24 – 48 Hours
  • Refund and Cancellation: Refunds pertaining to invalidated transfers, or any additional remittance transactions that are returned unpaid for any cause shall be returned to the originator at the extant prevailing market purchasing rate or the transaction rate, as deemed lower. This recompense shall exclude the expenses associated with transmission, deductions originating from the beneficiary bank, charges linked to cancellation, and any supplementary expenditures sustained. A confirmation of nonpayment and cancellation of the original instruction is required from our correspondent partner before a refund is made. The sender has to hand over the original receipt in order to initiate the cancellation process. Any refund will be processed through the original mode of payment.

Disclosure and Transparency

  • Disclosure and Transparency are complementary principles that are adopted by Capital Exchange.
  • Capital Exchange will undertake the obligation for disclosure by providing quality, accurate, complete & timely, effective, and useful information to consumer proactively that are necessary to make an informed decision regarding our Financial Products and Services.
  • The Exchange House undertakes to proactively provide useful information and advice in the Market to uphold Transparency.
  • Capital Exchange House will not engage in deceptive, misleading, fraudulent, or unfair advertisement. As part of responsible advertising, it will be ensured that the communications and the materials in the advertising are simple and easily understandable by the Consumers.

Business Conduct

  • Capital Exchange will follow appropriate Business conduct which instils an internal culture and behaviour of integrity and ethics in its services and activities including product design, development, promotion, sales, distribution, and providing finance services;
  • Focus on minimizing Conflict of Interest and consumer risks.
  • Ensure the financial well-being of its consumers and will always treat consumers fairly.
  • Act with due skill, care, and diligence, fairly, honestly, and professionally in the relationship with Consumers.

Protection of Consumer Data and Assets

  • Capital Exchange will collect only the minimal amount of Consumer Data and information needed in respect of their licensed activities and remain in compliance with all other related laws.

Consumer Education and Awareness

  • The Exchange House will reduce the risk exposure of Consumers by enabling them to make financial decisions that are in their best interests by improving Consumers’ financial education and awareness.
  • The Exchange House provides unbiased educational information on the products through the website and ensures consumer awareness of any risks before acceptance of the product or services is completed.
  • Capital Exchange will assist in developing knowledge, skills, and confidence for customers to sufficiently understand risks, make informed choices, know where to go for advice/assistance, and take positive action to improve their own financial well-being.

Know Your Rights and Responsibilities

Consumer Rights

  • We value our customers and focus on keeping the customer safe using our system. Every customer of a Financial Institution has the following legally recognized consumer rights as per Consumer Protection Regulations and Standards (CPR) issued by the Central Bank of the UAE (CBUAE).
  • Right to be Treated Fairly: You are entitled to be treated fairly and equally with courtesy. The Exchange does not discriminate against the customer based on gender, age, religion, caste, or physical ability when offering and delivering financial products and all customers are treated on the Principles of Equality.
  • Right to Know: You have the right to know the correct information about the products and services that you are seeking. The Exchange has made every effort to ensure that the customer understands our Products and Services. We are providing the key information related to our products in the Key Facts Statement which you have the right to read and review to make an informed decision. Moreover, our employees would be happy to assist you further with any enquiries that you might have.
  • Right to Choose: You have the right to choose the products and services that suit your needs the most from the multiple options available on the market. We offer products and services of quality and at competitive prices based on an assessment of the customer’s financial circumstances and understanding.
  • Right to Privacy: The Exchange collects, holds, discloses and/or otherwise processes several types of personal data of the customer with regards to your request for availing Exchange’s products and/or services. The Exchange has robust internal systems and controls to ensure confidentiality of customer information and we use the Personal Information in accordance with CPR. The Exchange will always request your expressed consent for the purpose of processing your Personal Data. That consent may be withdrawn by you at any time by providing notice to the Exchange.
  • Right to be Heard: The customer has a right to hold the Exchange accountable for errors, lapses in conduct, as well as non-performance or delays in performance of the product and/or services. If you have a complaint, first ensure that it is reasonable; If you believe that it is, you can use the following channels to raise an official complaint, and the Exchange is therefore obliged to act upon it.

Consumer Responsibilities

  • Customer must provide accurate and correct personal and financial information to us. Failure to provide complete and accurate details may result in the request for financial services being refused.
  • You should read and understand all Terms and Conditions and ensure that you ask any questions that you might have prior to accepting them.
  • You should verify all the details gain sufficient information and choose the Product and/or Service that best suits your needs and financial capacity.
  • If there is a problem with the Product and/or service, you should visit or contact the Exchange to raise an enquiry or complaint in order to solve the problem before filing a formal complaint with Sanadak.
  • You should not share your payment cards or personal and financial information like account numbers, PINs, user IDs and passwords with anyone.
  • You should immediately notify the Exchange in case of any unauthorized transaction on your name.

KEY FACTS STATEMENT

CAPITAL EXCHANGE | كابيتل للصرافة
Licensed by the Central Bank of the UAE
مرخصة من قبل البنك المركزي لدولة الإمارات العربية المتحدة
KEY FACTS STATEMENT | بيان الحقائق الرئيسية
Product / منتج Product Description / وصف المنتج وصف المنتج
Remittance / رسالة مالية Capital Exchange provides financial service that involves the transfer of funds from one individual or entity to another, often across geographical distances. It serves as a way for people to send money to friends or family in different locations, both domestically and internationally. تقدم كابيتل للصرافة خدمة مالية تتعلق بنقل الأموال من فرد أو كيان إلى آخر، وغالبًا ما يكون ذلك عبر المسافات الجغرافية. تعمل هذه الخدمة كوسيلة للأشخاص لإرسال الأموال إلى الأصدقاء أو العائلة في مناطق مختلفة، سواء على الصعيد المحلي أو الدولي.
Key Facts / الحقائق الرئيسية
Sender and Recipient / المرسل والمستلم The sender is the person initiating the money transfer, while the recipient is the individual receiving the funds. Remittances are commonly used by migrant workers sending money back to their families in their home countries. المرسل هو الشخص الذي يبدأ عملية نقل الأموال، في حين أن المستلم هو الفرد الذي يتلقى الأموال. وتُستخدم الحوالات المالية بشكل شائع من قبل العمال المهاجرين الذين يرسلون الأموال إلى عائلاتهم في بلدانهم الأصلية.
Counter Parties Involved / الأطراف المعاكسة المشاركة Capital Exchange maintains several counterparties to facilitate customers' Remittance transactions. Upon receipt of a Remittance Order from customers, Capital Exchange reserves the authority to select the counterparty for the execution of remittances. However, for IMTS services, customers possess the prerogative to choose their preferred counterparty. It is important to note that all counterparties engaged by Capital Exchange have received approval from the Central Bank of the United Arab Emirates. تحافظ كابيتل للصرافة على عدة أطراف معاكسة لتسهيل معاملات الحوالات المالية للعملاء. عند استلام أمر حوالة من العملاء، تحتفظ كابيتل للصرافة بالسلطة لاختيار الطرف المعاكس لتنفيذ الحوالات. ومع ذلك، بالنسبة لخدمات خدمة الحوالة المالية الفورية، يمتلك العملاء الحق في اختيار الطرف المعاكس المفضل لديهم. من المهم أن نلاحظ أن جميع الأطراف المعاكسة التي تم التعاقد معها من قبل كابيتل للصرافة قد تلقت الموافقة من البنك المركزي لدولة الإمارات العربية المتحدة.
Fees / رسوم Remittance Charges are subject to change in line with the remitting countries and the amounts of charges varies in line with the amount of being transferred. The detailed charges are available on our website www.capitalexchange.ae رسوم الحوالات قابلة للتغيير بما يتوافق مع البلدان المرسلة وقيمة الرسوم تختلف بحسب المبلغ المراد تحويله. الرسوم المفصلة متوفرة على موقعنا الإلكتروني www.capitalexchange.ae
Turnaround Time / وقت الاستجابة IMPS: 24 – 48 Hours
Cash Pickup: 24 – 48 Hours
NEFT: 24 – 48 Hours
خدمة الدفع المالي الفوري (IMPS): ٢٤ – ٤٨ ساعة
التحويل الإلكتروني الوطني للأموال (NEFT): ٢٤ – ٤٨ ساعة
استلام النقد: ٢٤ – ٤٨ ساعة
Refund and Cancellation / استرداد وإلغاء Refunds pertaining to invalidated transfers, or any additional remittance transactions that are returned unpaid for any cause shall be returned to the originator at the extant prevailing market purchasing rate or the transaction rate, as deemed lower. This recompense shall exclude the expenses associated with transmission, deductions originating from the beneficiary bank, charges linked to cancellation, and any supplementary expenditures sustained. Preceding the disbursement of restitution, it is mandatory to acquire an attestation denoting the absence of payment and the revocation of the initial directive from our affiliated bank or designated representative. To initiate the procedure of annulment, the initiator must furnish the original acknowledgement to the designated establishment. المبالغ المستردة المتعلقة بالتحويلات غير الصالحة، أو أي معاملات تحويل إضافية تعود غير مدفوعة لأي سبب، يجب أن تعود إلى المُرسِل بالسعر السائد في السوق أو سعر المعاملة، حسبما يُعتبر أقل. يجب أن يستثنى من هذا التعويض النفقات المرتبطة بالنقل، والاستقطاعات الناتجة عن البنك المستفيد، والرسوم المرتبطة بالإلغاء، وأي نفقات إضافية تكبدها. قبل صرف التعويض، من الضروري الحصول على شهادة تفيد بعدم الدفع وإلغاء التوجيه الأولي من بنكنا المرتبط أو الممثل المعين. لبدء إجراء الإلغاء، يجب على المبادر تقديم الاعتراف الأصلي إلى المؤسسة المعينة.
Product / منتج Product Description / وصف المنتج وصف المنتج
Foreign Currency Exchange / تبادل العملة الأجنبية Capital Exchange provides financial service that involves the exchange of Foreign Currency which includes both the buying and selling of foreign currency. تقدم كابيتل للصرافة خدمة مالية تتضمن تبادل العملة الأجنبية والتي تشمل شراء وبيع العملة الأجنبية.
Key Facts / الحقائق الرئيسية
Fees / رسوم Capital Exchange does not charge any Fee for the Foreign Currency Exchange. لا تفرض كابيتل للصرافة أي رسوم على تبادل العملة الأجنبية.
Availability of Currency / توافر العملة The type of currencies maintained at the Exchange is the discretion of the Management of the Capital Exchange which is decided by taking into consideration the local population and the market demand. نوع العملات المحتفظ بها في الصرافة هو تقدير إدارة كابيتل للصرافة، والذي يتم تحديده بناءً على النظر في السكان المحليين والطلب في السوق.
Refund and Cancellation / استرداد وإلغاء Currency once bought or sold can be returned only with a new transaction at the prevailing market rate. Neither Exchange nor its employees will be held liable for any claims or shortages thereafter. لا يمكن إعادة العملة التي تم شراؤها أو بيعها إلا من خلال معاملة جديدة بالسعر السائد في السوق. لا تتحمل الصرافة ولا موظفيها أي مسؤولية عن أي مطالبات أو نقص بعد ذلك.
Complaint Management / إدارة الشكاوى Customers may contact our branch to register customer complaints and they can send complaints and suggestions through Email: complaints@capitalexchange.ae and call customer service numbers at +971 4 299 7599, +971 50 560 7180 يمكن للعملاء الاتصال بفرعنا لتسجيل شكاوى العملاء، ويمكنهم إرسال الشكاوى والاقتراحات عبر البريد الإلكتروني: complaints@capitalexchange.ae، والاتصال بأرقام خدمة العملاء على ٠٠٩٧١٤٢٩٩٧٥٩٩، ٠٠٩٧١٥٠٥٦٠٧١٨٠.
Turnaround Time / وقت الاستجابة Acknowledgement in 2 complete business days and estimated response time of 10 complete business days. سيتم تأكيد الاستلام خلال يومي عمل كاملين، والوقت التقديري للرد هو ١٠ أيام عمل كاملة.
Key Terms and Conditions / الشروط والأحكام الرئيسية - Capital Exchange reserves the right to decline any customer request at its sole discretion.
- Above mentioned terms are subject to Capital Exchanges Approved Product policy.
- The fees & charges applicable to the above product will be as per Capital Exchange’s Services & Tariff Board and are subject to change from time to time as per Capital Exchange’s absolute discretion in accordance with the UAE Central Bank regulations.
- تحتفظ كابيتل للصرافة بالحق في رفض أي طلب من العملاء حسب تقديرها الخاص.
- الشروط المذكورة أعلاه تخضع لسياسة المنتج المعتمدة في كابيتل للصرافة.
- الرسوم والتكاليف المتعلقة بالمنتج المذكور أعلاه ستكون وفقًا للوحة خدمات وتعريفة كابيتل للصرافة وقد تتغير من وقت لآخر حسب تقدير كابيتل للصرافة المطلق وفقًا للوائح البنك المركزي الإماراتي.
Warnings / تحذيرات - Capital Exchange may refuse to execute any requests, instructions or services requested by the Customer if the Customer fails to comply with the necessary procedures; or if the information or data are incorrect or are in violation of the applicable Laws and Regulations.
- Please count your money before leaving the counter and obtain a receipt for your transaction. Neither Capital Exchange nor its employees will be held liable for any claims or shortages thereafter. Capital Exchange has the right to recover any amount paid in excess to the customer due to errors and oversights.
- قد ترفض كابيتل للصرافة تنفيذ أي طلبات أو تعليمات أو خدمات طلبها العميل إذا فشل العميل في الامتثال للإجراءات اللازمة؛ أو إذا كانت المعلومات أو البيانات غير صحيحة أو تنتهك القوانين واللوائح المعمول بها.
- يرجى فحص أموالك قبل مغادرة النافذة والحصول على إيصال لمعاملتك. لا تتحمل كابيتل للصرافة ولا موظفيها أي مسؤولية عن أي مطالبات أو نقص بعد ذلك. لدى كابيتل للصرافة الحق في استرداد أي مبلغ تم دفعه بزيادة للعميل بسبب الأخطاء والتقصير.
Notice Period / فترة الإشعار Any changes in Terms and Conditions for any product will be communicated to customer with a notice period between 30 – 60 days to ensures that our customers are well-informed and have adequate time to adjust to any alterations in our services or policies. تعديل أي من الشروط والأحكام لأي منتج سيتم إشعار العميل به بفترة إشعار تتراوح بين ٣٠-٦٠ يومًا لضمان أن عملائنا مستمرون في الاطلاع على المعلومات ولديهم الوقت الكافي للتكيف مع أي تغييرات في خدماتنا أو سياساتنا.
⚠️ ⚠️

CAPITAL EXCHANGE    كابيتل للصرافة

Licensed by the Central Bank of the UAE
مرخصة من قبل البنك المركزي لدولة الإمارات العربية المتحدة

WARNINGS
Warning: Additional fees may be levied by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.
تحذير: قد يتم فرض رسوم إضافية من قبل البنك المراسل / المؤسسة المالية أو الكيان الذي يقدم الخدمات المالية للمستفيد من التحويلات.
Warning: Penalties and Fees may be applied if there is a customer error or omission in providing correct or incomplete information for remittances.
تحذير: قد يتم فرض غرامات ورسوم في حالة وجود خطأ أو تقصير من العميل في تقديم معلومات صحيحة أو غير كاملة للتحويلات.
Warning: Product / Service may be affected by changes in foreign currency exchange rates.
تحذير: قد يتأثر هذا المنتج/الخدمة بتغيرات أسعار صرف العملات الأجنبية.
Warning: The actual time to complete a transaction may differ from estimates due to increased scrutiny of transactions by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.
تحذير: قد يختلف الوقت الفعلي لإكمال المعاملة عن التقديرات بسبب الفحص المتزايد للمعاملات من قبل البنك المراسل/المؤسسة المالية أو الكيان الذي يقدم الخدمات المالية للمستفيد من التحويلات.
Warning: Please count your cash before leaving the counter. No responsibility will be taken afterwards.
تحذير: الرجاء فحص نقودك قبل مغادرة الكاونتر. لن يتم تحمل أي مسؤولية بعد ذلك.
Warning: Please Inform cashier if you do not wish to receive any promotional messages.
تحذير: يرجى إبلاغ الصراف إذا كنت لا ترغب في استقبال أي رسائل ترويجية.