WAAFI FINANCIALS AND COMMUNICATIONS INC

is your new life-style combining mobile money ,communication entertainment & protductivity in a unified app.

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WAAFI FINANCIALS AND COMMUNICATIONS INC

Let's Experience it.

WAAFI is your new life-style combining mobile money, communication, entertainment and productivity in a unified app.

Mobile Money
Mobile Money

WAAFI is your true Mobile Wallet, you can Send and Receive Money Instantly & Securely from our large network of our Agents

Payments
Payments

Make Instant Bill Payments for your shopping, utility and bookings through WAAFI.

Communication
Communication

Call your friends and family at most affordable rates.

Entertainment
Entertainment

Watch unlimited Live Videos, Browse & Download Your Favorite Videos and Ringtones.

Booking / Reservations
Booking / Reservations

Book your travels, hotels and flights from within WAAFI & get Special discount from our Channel Partners.

Online Shopping
Online Shopping

Shop through our online stores and make instant payment though integrated payment features.

Mobile Money

WAAFI is your true Mobile Wallet so you can Send and Receive Money Easily, Instantly and Securely. Cash-In and Cash-Out from our large network of WAAFI Agents.

P2P Funds Transfer

A unique way to transfer directly.Get piece of mind and get your reward.

Balance Query

A unique way to transfer directly.Get piece of mind and get your reward.

Widraw Money

A unique way to transfer directly.Get piece of mind and get your reward.

Transfer To Bank

A unique way to transfer directly.Get piece of mind and get your reward.

Send Remittance

A unique way to transfer directly.Get piece of mind and get your reward.

Learn More

Mobile Payments

Make Instant Bill Payments for your shopping, utility and bookings through WAAFI.

Frequently Asked Questions

FAQ about WAAFI APP

  • Click on Recharge, select the Somali Bundle you want and click Subscribe.
  • “In the Payment Method” select “Calling Account” and click Continue, and finally “OK”
  • Watch this video: https://youtu.be/D9aWV--YoeQ

    Follow these steps:

  • Go to the setting of your Mobile and select Apps
  • From Apps window, select WAAFI and then
  • Click on “Storage”
  • Click “Clear data” in the bottom of the window
  • Start WAAFI Application and allow all terms
  • You recharge WAAFI, using Bundle recharge, Airtime recharge, Freind recharge and Share Balance
  • Bundle Recharge:
  • Click Recharge
  • Click Subscribe to select the Somali Bundle you desire
  • Select the Payment Method and click "Pay Now"
  • Airtime Recharge:
  • Enter the amount you want to recharge in the Field
  • Click Recharge and choose the payment method
  • click "Pay Now" to purchase the desired Airtime recharge
  • Freind Recharge:
    To recharge a Freind WAAFI Account:
  • Enter your Freinds number
  • Choose Bundle or Airtime
  • Select the payment method and click "Pay Now"
  • Share Balance:
  • Enter the number, you want to share balance with
  • Choose Bundle or Airtime
  • Select the payment method and click "Pay Now"
  • Enter the number you want to share balance with
  • Click Share Balance
  • Watch this video: https://www.youtube.com/watch?v=RBB94LSa0Tw&list=PLe15OXMOx7XIbye7dB1y9YbLCFpsgK3dp

  • In the money section, click setting and select “Change Email Address”. Enter the new Email in the text field and click “Submit”
  • Go back to the previous window “Money Settings” and select “ Notification Settings”
  • Make “Subscriber Number” OFF and “Email address” ON
  • do following steps:

  • go to the setting of you Mobile and select Apps. From Apps window, select WAAFI and then click on “Storage”. In the Storage Window, click “Clear data”
  • Start WAAFI Application and allow all terms
  • Yes, you can. Search WAAFI in the App Store ( http://bit.ly/IOSWaafi)

    Do following steps:

  • In the Call Settings, click on “VoIP Network Settings”
  • Select “UDP’ in the Transport Settings section
  • Restart the WAAFI APP
  • Enter your EVC and select option 7 (Manage Account)
  • Select option 6 to enable Mobile Banking and enter the OTP Code
  • Watch this video: https://www.youtube.com/watch?v=GfyC7AcGbu4

  • In Money Section, click “Forgot Password”
  • Use the OTP (confirmation) number sent to your Phone to confirm
  • Use the temporary password send to you, to create a new password
  • Click Submit
  • Sorry! bundles cannot be transferred, but You can transfer your airtimes as you wish!

    Yes, your money will be refunded! Contact WAAFI customer support team

    Your email is linked to your previous number; you can use another email or contact customer support team

    Mobile Communication

    Call your friends and family at most affordable rates.

    Video Calling

    A unique way to transfer directly.Get piece of mind and get your reward.

    Audio Calling

    A unique way to transfer directly.Get piece of mind and get your reward.

    Conferencing

    A unique way to transfer directly.Get piece of mind and get your reward.

    Text Messaging

    A unique way to transfer directly.Get piece of mind and get your reward.

    Learn More

    Booking / Reservations

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    online Shopping

    Shop through our online stores and make instant payment though integrated payment features.

    Mobile Entertainment

    Call your friends and family at most affordable rates.

    Video Streaming

    A unique way to transfer directly.Get piece of mind and get your reward.

    Ring Tones

    A unique way to transfer directly.Get piece of mind and get your reward.

    Contact us

    Welcome!

    Waafi download

    About US

    Waafi SAS

    At Waafi SAS, we want you to make the most of your time, simplifying your daily needs with our groundbreaking All-In-One lifestyle e-wallet app. Waafi is a global lifestyle e-wallet app, created with the idea to be more than a regular mobile payment app, we designed it to become your daily companion, at the tip of your fingers with 24/7 support and access to our services such as; Mobile Money, Communication, Entertainment and Payments.

    Want to book a flight or pay your bills on the go? Making payments through the Waafi app is a few clicks away – as easy as one, two, three!

    We want you to be part of our growing community, join Waafi today.

    Our Mission

    Our mission at Waafi is to provide everybody a secure and reliable cashless mobile payment platform with outstanding user experience that acts like a companion that simplifies your life.

    Our Vision

    To become the consumer’s first choice as a service that can withstand their daily online payment needs – a true companion. To make the Waafi brand a household name, synonymous with reliability, efficiency and security

    Our Values

    From the very start, we shaped our organization around the same values and culture Waafi was founded on. We believe, creating an environment for openness and cooperation for our employees within the company leads to more innovation and growth which in turn produces a better service for our customers

    What You Require to Sign Up
    1. The customer, when applying for WAAFI wallet registration, should submit the following documents/information to be registered:
      • Proof of identity (passport, driver’s license, national identity card)
      • Names
      • Mother’s Name
      • Nationality
      • Date of Birth
      • Telephone
      • Camera Photo
      • Proof of residential address
      • Email Address
    2. As part of enhanced due diligence measures, prospective customers who are Non residents in Somalia but who wish to open Somalia based WAAFI accounts are subject to verification procedures similar to those for resident customers. However, they are required to meet/ present additional requirements/ documents:
    3. Must proof he/she is Somali national regardless of second nationality
    4. Proof of address -proof of invoice of Electricity, water/Tel or driver license

    Corporate Governance

    WAAFI recognizes that good corporate governance is essential to achieving and maintaining the confidence and trust of its stakeholders

    The Board and Senior Management of WAAFI are responsible and have obligations to all our stakeholders, including shareholders, regulators, clients and suppliers, as well as to the environment and the communities where we operate

    Senior Management is responsible for overseeing the day-to-day management of WAAFI

    Compliance with all applicable legislation, regulations and standards is an essential characteristic of WAAFI’s culture. The Board monitors compliance with these by means of management reports.

    The Board sets our strategic direction, approve policies, the internal control framework and the overall business strategy of WAAFI, and ensure implementation and monitoring compliance to achieve our strategic aspirations

    The Boards oversee the establishment of independent and adequately resourced Audit and Risk & Compliance functions

    BOD Committees

    WAAFI has the following committee:

    1. Audit Committee
    2. Risk & Compliance Committee
    3. Digital and Information Technology Committee

    The committees support the Board in discharge of its functions

    All members of the Committee are independent non-executive Directors

    The Digital and Information Technology Committee, Audit Committee, Risk & Compliance Committee coordinate their activities and work together regularly to ensure the necessary exchange of information to capture and assess all relevant risks for the performance of their tasks

    Audit Committee

    Chief: Osman ijaz

    The Audit Committee assists the Board in its oversight of management’s responsibilities to assure that there is an effective system of controls reasonably designed to safeguard the assets and income of the company, assure the integrity of WAAFI’s financial statements

    The Audit Committee is responsible for overseeing the internal audit function

    The Audit Committee monitor and review the effectiveness of WAAFI’s AML Compliance function

    Risk & Compliance Committee

    The Audit Committee assists the Board in its oversight of the effectiveness of WAAFI’s risk Management framework and reviewing compliance with policies and procedures, all applicable legislation, regulations and standards

    Compliance officer: Mahdi Ogas

    All members of the Committee are independent non-executive Directors

    The Committee’s key responsibilities include:

    • Approval of risk policy and strategy
    • Approve the annual Compliance Monitoring Plan and Compliance Policy & Procedures
    • Review WAAFI’s risk profile against its risk appetite and strategy
    • Review the Risk Registers
    • Advise the Board on the current risk exposures and future risk strategy
    Digital and Information Technology Committee

    Chief: Ahmed Ali Hussein

    The Committee supports the Board in fulfilling its oversight responsibilities relating to WAAFI’s digital and Information technology environment. It assists the Board in its oversight of the end-to-end digital delivery of the WAAFI’s products and services

    The Committee’s key responsibilities include:

    • Approve and Review Digital and Information Technology policies and strategies
    • Assists the Board in its oversight of IT strategy and policy
    • Overseeing the overall Information and Cyber Security strategies
    • Overseeing the effectiveness of WAAFI’s Business Continuity and IT Disaster Recovery Plans and Business Continuity
    • Identifying and monitoring key risks arising from technology and digital areas and referring them to the Board Risk & Compliance Committee
    • Overseeing strategies for WAAFI’s outsourcing and selection of third party and external technology suppliers and review the performance of and risks associated with them
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    Ali Abdallah Hettam

    Chairman

    Mr. Ali was born in 1952. He holds a Diploma & Degree in Business Administration. He is currently the Chairman of Salaam African Bank. Prior to this position, he was the CEO of UKAP Holdings (2015), Managing Director of Comad Group for more than 20 years, President of the Shipping Agencies Association, Member of the Board of Directors of Djibouti Port, and a Member of the Board of Road Fund.

    Ali Abdallah Hettam

    Mr Ali has more than 39 years’ experience in logistics, transportation, and generally in business development and company management. He has in-depth knowledge and professional experience in the field of sea transport,freight, shipping, leadership skills and management. He fluently speaks English, French, & Arabic. He has interests in joint ventures, property development, and logistics.

    He has in-depth knowledge and professional experience in the field of sea transport,freight, shipping, leadership skills and management. He fluently speaks English, French, & Arabic. He has interests in joint ventures, property development, and logistics.

    Abdoulkadir Mohamed Djama

    CEO

    Abdoulkader was born in 1986. He holds a Master Degree in public administration.He is currently working as the CEO of WAAFI SAS. Prior to that, he was working as the Representative of Government of the Republic of Djibouti-Ministry of Health based in India from 2012 up to 2015.

    he also acquired a banking sector knowledge from Salaam Bank, and he was working in different departments such as customer service supervisor, Senior Corporate officer, Corporate account manager, Branch Manager. He speaks fluently English and French.

    Abdoulkadir Mohamed Djama

    Abdoulkader was born in 1986. He holds a Master Degree in public administration. He is currently working as the CEO of WAAFI SAS. Prior to that, he was working as the Representative of Government of the Republic of Djibouti-Ministry of Health based in India from 2012 up to 2015.

    he also acquired a banking sector knowledge from Salaam Bank, and he was working in different departments such as customer service supervisor, Senior Corporate officer, Corporate account manager, Branch Manager. He speaks fluently English and French.

    Abdirizak Muse

    CTO

    Senior solution architect, with 10+ years of experience in the mobile financial services industry. Led multiple projects in different life cycles of financial organizations, from Architecting, planning, implementation, transitioning and execution.

    Abdirizak Muse

    Senior solution architect, with 10+ years of experience in the mobile financial services industry. Led multiple projects in different life cycles of financial organizations, from Architecting, planning, implementation, transitioning and execution.

    Having diverse knowledge in the industry and state of the art technologies in the domain. Also lead different security projects including the PCI DSS, PA DSS implementation, with a deeper understanding of domain threats.

    WAAFI Privacy Policy
    Google AdSense
    Fair Information Practices
    Fair information
    Practices
    COPPA
    CalOPPA
    Our Contact Information
    This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website or app.

    What personal information do we collect from the people that visit our blog, website or app?

    When ordering or registering on our site or app, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, credit card information, social security number or other details to help you with your experience.

    When do we collect information?

    We collect information from you when you register on our site or app, place an order or enter information on our site or app.


    How do we use your information?

    We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website or app, or use certain other site features in the following ways:

          To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
          To allow us to better service you in responding to your customer service requests.
          To quickly process your transactions.
          To send periodic emails regarding your order or other products and services.
          To follow up with them after correspondence (live chat, email or phone inquiries)

    How do we protect your information?

    We use vulnerability scanning and/or scanning to PCI standards.
    We use regular Malware Scanning.

    Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

    We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.

    All transactions are processed through a gateway provider and are not stored or processed on our servers.

    Do we use 'cookies'?

    We do not use cookies for tracking purposes

    You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.

    If you turn cookies off, some features will be disabled. that make your site experience more efficient and may not function properly.

    However, you will still be able to place orders .


    Third-party disclosure

    We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

    Third-party links

    We do not include or offer third-party products or services on our website or app.

    Google

    Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

    We have not enabled Google AdSense on our site but we may do so in the future.

    California Online Privacy Protection Act

    CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

    According to CalOPPA, we agree to the following:
    Users can visit our site anonymously.
    Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website or app.
    Our Privacy Policy link includes the word 'Privacy' and can easily be found on the page specified above.

    You will be notified of any Privacy Policy changes:
          On our Privacy Policy Page
    Can change your personal information:
          By logging in to your account

    How does our site handle Do Not Track signals?
    We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

    Does our site allow third-party behavioral tracking?
    It's also important to note that we do not allow third-party behavioral tracking

    COPPA (Children Online Privacy Protection Act)

    When it comes to the collection of personal information from children under the age of 13 years old, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States' consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

    We do not specifically market to children under the age of 13 years old.

    Fair Information Practices

    The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

    In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
    We will notify you via email
          Within 7 business days
          Within 7 business days

    We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

    CAN SPAM Act

    The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

    We collect your email address in order to:
          Send information, respond to inquiries, and/or other requests or questions

    To be in accordance with CANSPAM, we agree to the following:

    If at any time you would like to unsubscribe from receiving future emails, you can email us at
    and we will promptly remove you from ALL correspondence.


    Contacting Us

    If there are any questions regarding this privacy policy, you may contact us using the information below.

    WAAFI
    Address: Avenue Pierre Pascal
    DJIBOUTI, DJIBOUTI 2550
    DJIBOUTI
    support@waafi.com

    Last Edited on 2017-01-15