Terms & Conditions

Talaco Group is a highly esteemed and trusted partner in Lebanon and UAE for many telecom operators, device manufacturers, and financial service providers in Lebanon. Comprised of Talaco, Tecfrac, Whish Money, and Whish Sal, the group offers a diverse range of services and solutions. Tecfrac is a leading developer of mobile app software, backend services, and innovative solutions. Meanwhile, Whish provides a cutting-edge mobile wallet that offers digital cards, accessories, and phones from Talaco FZCO. And last but not least, Whish Money is a fully licensed and regulated money remittance company, approved by the Central Bank of Lebanon, that provides top-notch financial services to its clients.

Privacy Policy

This page is dedicated to providing visitors with clear and concise information regarding our protocols for collecting, utilizing, and disclosing personal information for those who choose to utilize our services.

Your utilization of our Service implies your unequivocal acceptance of the terms stipulated within this policy. The Personal Information collected is exclusively dedicated to enhancing and delivering superior Service to you. Be assured that your information will not be disclosed or utilized in any manner that is not explicitly outlined in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which are accessible at WHISH unless otherwise defined in this Privacy Policy.

Information Collection and Use

In order to provide you with the best possible service experience, we may request that you share certain personal information with us. Please be aware that any information we ask for is stored solely on your device and not collected by us in any way.

It's worth noting, however, that we do employ third-party services that may collect data for identification purposes. For more information on this, we recommend reviewing the privacy policies of our third-party providers.

When opening an account, making a transaction, or interacting with customer support at WHISH Money, you will be prompted to provide personal information, such as your name, email address, phone number, date of birth, address, passport, ID cards, proof of address, and financial statements. This information is crucial for WHISH Money to offer you the services you require, such as sending and receiving money, and to enhance its services.

WHISH Money may share your information with regulatory authorities if required by law, and with third-party service providers who assist in providing its services, such as payment processors and fraud prevention services. However, WHISH Money takes every measure to safeguard your information, such as utilizing encryption and security measures to prevent unauthorized access, and has established protocols to deal with any suspected data breaches. Be confident that your personal information is in capable hands with WHISH Money.

Log Data

Please be aware that in the event of an error occurring within the app when utilizing our service, Log Data may be collected from your phone through the use of third-party products. This Log Data may contain information such as your device's Internet Protocol ("IP") address, device name, operating system version, the app's configuration at the time-of-Service usage, the date and time of your Service usage, and other relevant statistics.


When you visit websites, you will inevitably encounter cookies - small data files that act as unique identifiers. These files are stored on your device's internal memory after being sent to your browser by the website.

It is important to note that although this Service does not use cookies directly, third-party code and libraries that do use cookies may be employed to improve the app's performance. You must choose to accept or reject these cookies, and you will be notified if a cookie is sent to your device. Refusing cookies may mean that some parts of the Service are unavailable to you.

Service Providers

In order to deliver our Service, we may engage third-party companies and individuals for various purposes. These purposes include facilitating the Service, performing Service-related tasks, and analyzing the usage of the Service. Please note that these third parties will have access to your Personal Information; however, they are obligated to use the information exclusively for the assigned tasks and are prohibited from disclosing or utilizing it for any other reason.

Financial Transaction Cancellation Policy

To ensure the cancellation of a Whish-to-Whish or Cash Out transaction, confirmation from the receiver is required. Without the receiver's authorization, refunds cannot be processed. If the receiver is unreachable, we can proceed with the cancellation request after 1 week from the transaction date.

Credit Card Policy

To ensure the utmost security of our clients and cardholders, Whish may require additional documentation to authenticate transactions and prevent fraudulent activity. It is important to note that if you request a refund after using the Whish App to top up a credit card or collect a payment link, any service charges deducted will not be refunded to your account.

Fraud / Claim on Whish Account User

In the event that a Whish user is found to have engaged in fraudulent activities or submitted duplicate claims, their account will be swiftly deactivated.

Third-Party Liabilities for Money Collection

Whish Money facilitates the transfer of funds and acts as an intermediary for collection purposes on behalf of our clients. While we make every effort to ensure the secure and efficient transfer of funds, we must emphasize that we are not liable for the actions, performance, or reliability of third-party entities involved in the collection of funds.

If a third-party collection service provider engages in any negligent or wrongful conduct, WHISH Money will not be liable for any losses or damages incurred by our clients.

Our clients agree to release Whish money from any and all claims, losses, damages, costs, and expenses arising out of the actions or performance of third-party collection service providers.

Any contractual or service agreements entered into with third-party collection service providers are solely the responsibility of the client, and Whish Money bears no liability for the obligations, performance, or outcomes related to these agreements. Our role is limited to providing a platform for the initiation of fund transfers and the facilitation of these transactions.

Clients engaging in third-party collection services are advised to exercise due diligence and conduct their own assessments of third-party providers. We recommend reviewing and understanding the terms and conditions, policies, and liabilities associated with these providers before entering into any agreements.

By using our services, you acknowledge and agree that Whish Money is not responsible for third-party collection service providers, and our liability is strictly limited to the extent specified in our terms and conditions related to the transfer of funds.

Refund and Cancellation Policy

It's important to keep in mind that our application does not accept returns, refunds, exchanges, or credit for vouchers once they have been sold.


We highly value your trust in us when it comes to your Personal Information. To protect it, we utilize highly effective methods that are reliable. Our commitment is to provide the best possible protection for your information, and to guarantee absolute security, whereby we will do our utmost to ensure your information is safeguarded.

Links to Other Sites

Please be aware that clicking on links to external websites on this Service will take you to those sites. It is crucial to note that we are not responsible for managing these external sites. Therefore, we strongly advise you to review their Privacy Policy before proceeding. Please understand that we have no authority over the content, privacy policies, or actions of third-party sites or services. As such, we cannot assume any responsibility for them.

Children's Privacy

We strictly prohibit individuals under the age of 13 from using our Services. Any personally identifiable information of children under the age of 13 is not collected by us knowingly. In case we are notified about any such information provided by a child under 13, we will immediately delete it from our servers. We encourage parents or guardians to get in touch with us if they suspect their child has disclosed personal information to us, so that we can take the necessary actions.

Changes to This Privacy Policy

It is important to note that our Privacy Policy is subject to periodic updates. We advise you to check this page frequently for any modifications. Rest assured that any changes will be communicated by posting the new Privacy Policy on this page. Please be informed that these changes will take effect immediately upon posting.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.