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Terms & Conditions

This Terms of Use (the "Terms") governs your use of the MageyMemo service through our website or MageyMemo mobile application (together the "Application"), and is an agreement between You ("your" or "customer") and DHIRAAGU ("we", "our" or "us"). By using the Application, you acknowledge and agree that you are bound by the terms herein and any amended and varied terms at the sole discretion of DHIRAAGU. Any undertaking in this Agreement by either party not to do any act or thing is understood to include an undertaking not to permit anyone else to do that act or thing.


  • 1.1. MageyMemo will enable you to: (i) request for doctor's appointment online from our partnered hospitals and clinics, (ii) pay for the appointment online using one of our payment options, and (iii) to get a digital confirmation of the appointment once the payment is verified (an "Appointment") (together the "Service" or "MageyMemo").
  • 1.2. You acknowledge and agree that the provision of the medical services by our partnered hospitals and clinics (the "Service Provider") form a separate agreement between you and the Service Provider.
  • 1.3. Your requests are subject to verification and we reserve the right to accept or reject your request to register your MageyMemo account (the "Account"), or any subsequent request for an Appointment.
  • 1.4. The Service will be available within Maldives only. To use our Service, you must be at least 18 years of age and have the capacity to agree to these Terms.
  • 1.5. We hereby grant you a non-exclusive, limited license to use the Service for your own personal use only, subject to these Terms.


  • 2.1. You must ensure that the information that you provide to register your Account, and information provided upon any subsequent reasonable request by the Service Provider and/or us through the Application or otherwise, are true, accurate, complete and up-to-date. You must promptly update any changes to the information provided.
  • 2.2. Your username and password are confidential information and should not be disclosed to any third-party. You shall be responsible for the actions, omissions or default of any person using the Application on your behalf. You shall be solely responsible and liable for any loss incurred due to any unauthorised use of your Account.


  • 3.1. We will use commercially reasonable efforts to provide the Service to you and perform our obligations under this Agreement with reasonable care and skill in accordance with the best practice of companies providing similar Services.
  • 3.2. You understand and agree that the Service is provided on an "as is" and "as available" basis. We shall make reasonable efforts to update the content in the Application in collaboration with Service Providers. However, we make no warranty that the Service or the content in the Application will be up-to-date, accurate or will meet your requirements or that use of the Service will be uninterrupted, timely, secure, or error-free. We will use reasonable endeavours to keep any disruption to the provision of the Service in such circumstances to a minimum.
  • 3.3. No advice, representations or information given by our employees, agents or contractors shall create a warranty unless expressly set out in these Terms.


  • 4.1. We only act as an intermediary between you and the Service Provider to provide the Service, to the extent set out in this Agreement. We do not endorse or have any control over the separate contractual agreement between you and the Service Provider, which will be created upon acceptance of the Terms herein. You shall be solely responsible for the clarification and acceptance of the agreement between you and the Service Provider.
  • 4.2. We shall not be liable or responsible for the breach of the agreement between you and the Service Provider and do not make any warranty as to quality or standard of the medical services provided by the Service Providers and/or any consequences relating to such medical services, any negligence, default or failure thereof. This disclaimer includes but is not limited to any diagnosis, prescription, conduct and/or medical advice provided by or through the Service Provider.
  • 4.3. Appointments and the content in the Application, including prices and doctor schedules are subject to change and you should not rely on the Application or the content therein, in case of medical emergencies or otherwise. We are not responsible for any consequences due to your action or inaction in consideration of the Appointment, content in the Application and/or their accuracy.


  • 5.1. The price of the Appointment includes: (i) the price for booking the Appointment determined by the Service Provider subject to the Service Providers' prices; and (ii) a Service charge of MVR 15 (Maldivian Rufiyaa fifteen only) (the "Fee"), (together the "Charge").
  • 5.2. Any applicable deductions for healthcare insurance, including Aasandha if applicable, will be made by the Service Provider and we will not be responsible to deduct such charges.
  • 5.3. Your Appointment will be confirmed upon receipt of payment of the Charge through one of the payment options available on the Application. You agree that you have the full authority to make the payment through the bank card or any other payment option chosen by you, and we take no responsibility for any unauthorized payment.
  • 5.4. We will take reasonable steps to ensure sufficient security measures are in place to provide secure payment services to you. You acknowledge and accept that the payment processing portal may be hosted by a third party and shall be subject to such third-party's terms of use.


  • 6.1. The Service Fee is non-refundable. You acknowledge and agree that we are not liable to provide any refund to you, for the Service Fee and/or the price of Appointment.
  • 6.2. Subject to clause ‎6.1, all refund terms, including whether or not you are entitled to a refund, the amount of refund and the duration within which you will receive the refund is within the discretion of the Service Provider, and will be subject to your agreement with the Service Provider and/or their terms of use. Accordingly, you may not be entitled to any refund for cancellation by the Service Provider or no-show by you. We advise you to read the Service Provider's terms before making any payment.
  • 6.3. You may request for a refund by the "refund request" process in the Application. You will receive an SMS acknowledgement upon submission of a refund request through the Application. Such acknowledgement is not a warranty that you will receive a refund. Alternatively, you may request for a refund by directly contacting the Service Provider.


  • 7.1. We may in our sole discretion elect to indefinitely suspend, terminate or block your use of the Application and/or the Service, either wholly or partially, without notice, in the event that:
    1. we become aware, or have reasonable grounds to suspect that you provided false, inaccurate, unverifiable information;
    2. identification or suspicion of any unauthorised, abusive, fraudulent or unlawful use or misuse of the Service;
    3. you fail to follow the guidelines and/or instructions given by us, or breach any provision in this Agreement;
    4. we have reasonable ground to believe that your use of the Service may create liability to you, us, a Service Provider and/or any third-party;
    5. any permit, license, authority or consent which we may require in order to carry out our obligations under this Agreement is refused, withdrawn, suspended, or terminated. Should this occur we will give you such notice as is reasonably practicable in the circumstances then prevailing; or
    6. the relevant government authorities within the Republic of Maldives or elsewhere require us and/or Service Provider(s) to suspend the Service for whatever reason.
  • 7.2. Upon execution of any of our rights under clause ‎7.1: (i) you may be barred from using the Service with your Account, a different account, or unable to register a new account; (ii) your Appointment may be cancelled in our discretion without any liability; and (iii) you may no longer have access to any information with was available on the Application under your Account.
  • 7.3. We may in our sole discretion, reinstate the Service if we are satisfied that you have rectified any breach of these Terms or the reason for the initial suspension of the Service no longer applies.
  • 7.4. We may also suspend the Service with immediate effect where it is necessary in order to carry out any maintenance or repair to the Application and/or Service, in such event, any confirmed Appointment shall remain effective.
  • 7.5. None of the rights which either party have accrued as a result of these Terms, prior to the date of termination shall be lost or otherwise affected following termination.


  • 8.1. We will not be liable for failure to provide the Service due to events outside our reasonable control.
  • 8.2. We do not in any way exclude or limit our liability: (i) for death or personal injury caused by us or our directors, officers, employees, contractors or agents due to our failure to act in accordance with the Terms herein; or (ii) in respect of fraud or any fraudulent statements made by us or our directors, officers, employees, contractors or agents, in respect to the Service.
  • 8.3. Subject to clause ‎8.2, we will not be liable to you, whether in contract, tort or otherwise arising out of this contract for: (i) any loss of profits, revenue, anticipated savings, loss or corruption of data, loss of contract or opportunity or loss of goodwill; or (ii) any indirect or consequential loss of whatever nature, which could be described as indirect or consequential and whether or not reasonably foreseeable, reasonably contemplatable, or actually contemplated by the parties at the time of the commencement of the Service.
  • 8.4. If we shall be liable to you in contract, tort, under statute or otherwise, our aggregate liability shall be limited to MVR 15,000 (Maldivian Rufiyaa Fifteen Thousand) for any event or related series of events. For avoidance of doubt we will not be liable for the services provided by the Service Provider or any breach of the agreement between you and the Service Provider.
  • 8.5. You agree to indemnify, defend and hold us harmless absolutely from and against all costs, losses, claims, damages and expenses (including without limitation any legal costs) of any kind whatsoever, whether foreseeable or not, that may be suffered by us as a result of your use of the Service (or anyone using the Service with your permission), which are brought or threatened against us by a third-party.
  • 8.6. You shall reimburse us for all legal and other expenses including costs and fees of attorneys, collection agencies and other professional advisors, incurred in connection with the investigating, defending or settling of any such loss, expense, claim, damage, liability, action or proceeding whether or not in connection with pending or threatened litigation in which we are a party. This indemnity will survive the termination of this Agreement.


  • 9.1. Your Personal Data, includes but is not limited to: (i) any information collected through the Application; (ii) your payment information; (iii) our interactions with you through any medium including phone calls to our Call Centre; (iv) any information relating to your health, treatments and medical history which can be obtained from or inferred from your use of Service. Such information may be collected from you and others or generated within our network when you or anyone else use the Service.
  • 9.2. You acknowledge and expressly agree and authorise us and Service Provider(s) to collect, process, use and disclose your Personal Data to third-parties in order to: (i) provide the Service; (ii) achieve lawful purposes including referencing, fraud detection and prevention, account management, billing, debt collection, investigating insurance claims, credit assessments, market research, customer profiling, product and service development, marketing and customer care; and (iii) for any reason required by law and for any other lawful purpose.
  • 9.3. We respect the privacy of your Personal Data and will not disclose any of your Personal Data except as permitted by the law and under the terms herein. We may retain your Personal Data for a reasonable period of time in a secure environment.
  • 9.4. You agree that we may contact any person or reference provided by you to verify the accuracy of your account details. You acknowledge that we or our agents, may from time to time contact you by post, telephone, in person, email or text message regarding details of promotions, competitions or our other products and services; and publish any promotional materials and additional content through the Application. You hereby expressly consent to such contacts. If you no longer wish to be contacted in such a manner, please notify us in writing.


  • 10.1. If you have a complaint or dispute regarding our Service you may call the DHIRAAGU Call Centre on 123 or by sending an email to:
  • 10.2. If your complaint or dispute is related to the medical services or refunds you may contact the Service Provider directly.
  • 10.3. In the event of any dispute between the parties relating to the construction of this Agreement or the rights, duties and obligations of the parties or any other matter arising out of or concerning the same the parties shall use their best endeavours to settle the matter by conciliation and negotiation. Where this fails such disputes shall be referred to the Civil Court of the Maldives.


  • 11.1. We reserve the right to amend these Terms and Conditions at any time. If we make any amendments we will inform you of such changes either by posting the changes on its website at, through the Application or by other means as we see fit. You agree that your continued use of the Service after any amendments to the Terms shall be evidence of your intention to be bound by such Terms as amended in accordance with this clause ‎11.1.
  • 11.2. We also retain ownership of all our Intellectual Property Rights. Nothing this Agreement shall operate as a transfer or license to you of title to and ownership of any of the software used in the Service or Application. You agree not to do anything to limit, interfere with, or otherwise jeopardise in any manner such rights, title and interest.
  • 11.3. This Agreement together with all documents which are referred to in these Terms represent the entire agreement between DHIRAAGU and you and they supersede all prior representations or oral or written agreements between the Parties.
  • 11.4. The laws of the Republic of Maldives apply to this Agreement with respect to construction, validity and performance.
  • 11.5. We will not be responsible for its failure to perform all or any of its duties arising under these Terms, where any event beyond our reasonable control occurs. Such events include but are not limited to acts of God, fire, acts of terrorism, war, civil commotion, embargo, labour dispute, and prevention from obtaining raw materials, power failure, acts of government or state or failure of third-party telecommunications systems which impact upon our ability to provide the Service.
  • 11.6. If any part of these Terms becomes to any extent illegal, invalid or unenforceable, it shall to that extent be deemed to no longer form part of these Terms. This will not affect the legality, validity or enforceability of any of the remaining Terms.
  • 11.7. You may not assign or otherwise dispose of any of your rights or obligations under this Agreement without our prior written consent. You agree that we may assign our rights and obligations under this Agreement to an alternative provider if necessary, as long as the level of Service remains of a comparable standard.
  • 11.8. Failure by any party to exercise or enforce any right conferred by this Agreement will not be deemed to be a waiver of any such right nor operate so as to bar the exercise or enforcement of such right or of any other right on any other occasion.
  • 11.9. Any notice required to be given under this Agreement must be in writing and delivered by hand or sent by pre-paid first-class post or courier or by fax to, Dhivehi Raajjeyge Gulhun Plc at DHIRAAGU Head Office, Ameenee Magu, P.O Box 2082 and to Customer at the address provided in your Application. Unless expressly agreed otherwise, any such notice shall be deemed to be served on the date delivered by hand, or if sent by fax the date on which a printed transmission report confirming receipt is received, or at the time of delivery, if delivered by hand, pre-paid first-class post or courier.