. - Sanad Cash

SanadCash Terms & Conditions

1. Definitions

Account Administrator/Admin: An individual legally authorized to perform necessary verifications for setting up and managing the customer account on SanadCash Platform.

Customer: Any company with a legal personality that is eligible to obtain the Platform services.

Customer's Personnel: The customer's employees and individuals who will be able to use SanadCash Platform services upon passing the required eligibility checks.

Account: The account that SanadCash Platform maintains for its customers.

Affiliate: An organization or company related to or controlled by another, usually larger, organization/company.

Onboarding: The process of validating and processing identity checks, screening, and other required procedures as per requirements, to ensure eligibility for customers and related personnel.

KYB: The process of verifying the ownership of a company and the legitimacy of its activities before entering into a business relationship with it.

Application/App: The SanadCash Platform mobile application, from which the Customer and any related Personnel can access the Platform Service by having an eligible device.

Applicable law: All applicable legislation and regulations, by-laws, consents and/or other law, orders, court rulings and any other instrument having the force of law as may be issued and in force from time to time (and any amendment or subordinate provisions) relating to or connected with the activities contemplated under this Agreement in the Kingdom of Saudi Arabia.

Business Day: Any day other than Friday, Saturday, or a public holiday in the Kingdom of Saudi Arabia, between the hours of 9:00 AM and 5:00 PM.

Credentials: The password and access data that a customer uses to access SanadCash Platform through the App and the Customer Portal.

Corporate Prepaid Cards: Prepaid cards designed to help corporates preload funds and digitize their daily and ad-hoc payments, including any business-related, travel, and petty expenses of their employees.

Customer Bank Account: A bank account of the customer held by a bank located inside Saudi Arabia and used by the customer to fund their account on SanadCash Platform.

Customer Bankruptcy: The legal status of a customer occurs when the business becomes unable to repay outstanding debts or obligations.

Customer Portal: The SanadCash Platform website portal that affords the customer access to utilize the platform Services.

Disputes: Any disagreements, arguments, or litigation between the Customer and SanadCash Platform arising from the Customer's use of the platform Services or violation of any provision of this Agreement.

Fees: The subscription fees and all other fees and charges (if applicable) shall be notified to the customer by SanadCash Platform in accordance with the terms of this Agreement.

Cardholders: The customer's employees to whom the corporate prepaid cards will be issued by the account administrator or an authorized delegate of the admin after completing the onboarding and related checks during the registration process.

Transactions: All financial activities related to the corporate prepaid card.

Fraudulent Transactions: Unauthorized or illegal activities involving the use of the card, typically for the purpose of obtaining money, goods, or services without proper consent or authorization from the cardholder.

Prohibited Transactions: Transactions that the cardholder is forbidden from using the card for, and any kind of payments prohibited by governing authorities.

Anti-Money Laundering (AML): A set of regulations, policies, and procedures designed to detect, prevent, and report activities that involve the conversion of illegally obtained funds into seemingly legitimate assets.

Anti-Fraud Screening: The process involving the use of technological tools, analytics, and monitoring systems to identify and prevent deceptive and fraudulent activities in financial transactions aiming to safeguard against financial scams and unauthorized activities.

Force Majeure Event: Refers to any unforeseeable events beyond the party's control, such as acts of nature, sovereign actions (like terrorism or war), labour strikes, utility service interruptions, and governmental rulings. If such events prevent a party from fulfilling its obligations under the Agreement, excluding causes directly related to the parties, they qualify as Force Majeure.

SAMA: Saudi Arabia Monetary Authority (the Saudi Central Bank).

SanadCash Platform: A Platform maintained by SanadCash that provides services to its eligible customers, giving them the ability to issue corporate prepaid cards for their personnel and manage all financial transactions and business-related expenses.

SanadCash: SanadCash Inc Saudi Information Systems company, registered under the commercial registration number (1010627624) in Riyadh – Saudi Arabia.

Cash Out/Refund: The procedural mechanism through which a customer may solicit the reimbursement or withdrawal of funds from their virtual bank account.

Virtual IBAN: A distinctive Bank Account Number uniquely allocated to the customer, empowering them to oversee and manage their funds within the framework of SanadCash Platform.

ID Verifications: An authentication process systematically validating the identity asserted by a customer against supporting data through trusted channels.

Third Party Platform: Any online Platform and mobile application with which the customer engages, utilizing the corporate prepaid card.

Tax: Encompassing all forms of taxes, including Value-Added Tax (VAT), imposed by the Kingdom of Saudi Arabia or any other jurisdiction.

2. Commencement of The Agreement

These legally binding Terms and Conditions govern the utilization of the SanadCash Platform ("Platform") provided by SanadCash Company ("we," "us," or "our"). By voluntarily registering for an account to access the SanadCash Platform ("Account"), you explicitly and contractually agree to adhere to these Terms and Conditions.

This Agreement attains legal efficacy upon the successful completion of the requisite onboarding and verification procedures established by SanadCash Company, as duly administered by the designated Account Administrator. The terms "you," "your," and "their" distinctly reference the user of SanadCash Platform services.

The effective date of this Agreement is stipulated as the day you formally register for an Account and unequivocally accept its terms in accordance with the provisions outlined herein. It is of paramount importance that you diligently peruse and comprehend this Agreement, as it elucidates our corporate identity, defines the terms governing the provision of SanadCash Platform services, furnishes instructions in the event of disputes, and imparts other pertinent details germane to the lawful utilization of the Platform.

The customer assumes full responsibility for maintaining the accuracy of their account details and promptly notifying SanadCash of any changes to business information. Failure to do so may adversely affect your eligibility for SanadCash Platform services.

SanadCash reserve the right to modify these Terms and Conditions at any time. Any updates or changes will be communicated to our customers through our established communication channels.

3. Agreement Language

A current version of this agreement, subject to periodic revisions, is available through the SanadCash Platform application and website at all times. The platform user will receive this agreement in either Arabic or English, depending on their indicated preference. It is essential to underscore that the language preference chosen by the account administrator shall function as the authorized means of communication between the two parties. This selected language will dictate the terms of their relationship throughout its entirety.

4. SanadCash Platform Service Description

SanadCash Platform stands as an advanced financial management solution created to empower businesses in the issuance of corporate prepaid cards for their employees and personnel. This service is designed to streamline expense management, ensuring a seamless alignment with fundamental business requirements. The Platform establishes a secure usage, facilitating efficient oversight of spending and financial transactions, thereby addressing the challenges businesses typically face in expense tracking and procedural streamlining.

Our commitment to precision and convenience is exemplified through a user-friendly and innovative approach, aimed at saving valuable time and effort. By expediting task completion, we strive to deliver an unparalleled financial management experience to our esteemed customers.

5. Customer Eligibility

Upon the execution of the contract, signifying your acceptance of these terms and conditions, we will promptly initiate the gathering of requisite data for the onboarding process. The information collected adheres to prevailing laws and regulations related to Know Your Business (''KYB'') and encompasses anti-money laundering and anti-fraud screening. This data is essential for verifying business legitimacy, ensuring compliance with legal requirements, and mitigating risks associated with unlawful or illicit activities. It is imperative to acknowledge that non-compliance with these regulations and terms may lead to the suspension or cancellation of SanadCash Platform Services or the termination of your account. Your acceptance of this Agreement and utilization of SanadCash Platform Services are contingent upon meeting these specified eligibility requirements.

6. Parties Responsibilities and Obligations

6.1 SanadCash Platform Responsibilities and Obligations

Upon the successful completion of the identity verification process, payment of fees, and registration for SanadCash Platform Services, SanadCash Platform will provide the Customer with a limited, non-exclusive, and non-sublicensable license. In its commitment to customer satisfaction, SanadCash Platform ensures comprehensive guidance and training for its customers.

SanadCash Platform reserves the right to decline the execution of any transactions, orders, or other use of services on SanadCash Platform if there are reasonable grounds to suspect fraud, a breach of the applicable Agreement by the Customer, or a violation of the law.

It is important to note that SanadCash Platform does not assume responsibility for any merchant or establishment refusing to accept the corporate prepaid card. Additionally, SanadCash Platform is not accountable for the goods or services provided to the Customer. Any concerns or complaints related to these transactions should be directly communicated by the Customer to the specific merchant or establishment.

SanadCash Platform assures the protection of personal information belonging to its Customer Representatives, ensuring confidentiality through the implementation and maintenance of appropriate policies, procedures, and controls. The utilization of customer's personal information aligns with SanadCash Platform's Privacy Policy.

Furthermore, SanadCash Platform is committed to delivering exceptional customer service support via email at support@sanadcash.com

6.2 Customer Responsibilities and Obligations

The customer is solely responsible for the payment of subscription fees and any additional taxes required to access the service. Additionally, it is imperative for the customer to uphold the confidentiality and security of their Access Data. In the event of compromised credentials, suspected breaches, or the loss or theft of the card, the customer is obligated to promptly notify the SanadCash Platform customer service team. Such notification enables the team to swiftly suspend the use of the customer’s account, thereby preventing unauthorized or fraudulent transactions.

Moreover, the customer is obligated to keep their information current and updated. In instances where changes to their contact information occur, it is essential for the customer to promptly inform SanadCash Platform's customer service team. The customer must abstain from using their SanadCash Platform Card for any illegal purposes or engaging in prohibited transactions. Strictly prohibited is the disclosure of the customer’s credentials by anyone else.

SanadCash Platform shall not be held liable to the Customer for compensation, reimbursement, or damages of any nature, whether direct or indirect. This encompasses damages related to the loss of prospective profits, anticipated sales, goodwill, or due to expenditures, investments, or commitments associated with the utilization of SanadCash Platform Services, as well as any termination or suspension of the Platform Services.

Furthermore, it is imperative that the Customer and related personnel adhere to the terms and conditions set forth by third parties when utilizing any Third-Party Platform. SanadCash Platform holds no responsibility or liability under any agreements with third parties. The responsibility rests solely upon the Customer to thoroughly read and comprehend any agreements with third parties before incorporating, linking, or utilizing the corporate prepaid card through any Third-Party Platform.

The Customer acknowledges and accepts full responsibility for any transactions initiated by its designated personnel using the provided card. The Customer is accountable for monitoring and managing the usage of the card by its personnel, ensuring strict compliance with the terms and conditions outlined in this agreement. Any transactions made by the Customer's personnel will be deemed the responsibility of the Customer, and the Customer shall be held liable for any associated charges or obligations arising from such transactions. The Customer shall be held liable for any associated charges or obligations arising from such transactions, including but not limited to late transaction settlements and fees, or any amounts that may result in a negative balance, even after the closure of the account.

In the event of any remaining funds in the Account subsequent to the termination of this Agreement, SanadCash Platform, upon the Customer's formal request, shall undertake the initiation of the redemption process for the entire outstanding balance. The Customer retains the option to request such redemption, and this facilitation can be effectuated through the transfer of the corresponding amount to the designated Customer Bank Account.

The redemption process, initiated at the Customer's request, will be diligently managed by SanadCash Platform, ensuring completion within sixty (60) days from the receipt of the Customer's redemption request.

The customer is responsible for determining and managing all applicable taxes and fees associated with the use of Sanad Cash services or the application. This includes, but is not limited to, transaction taxes, usage taxes, transfer taxes, value-added taxes, and any other related charges. This responsibility also extends to any actions, omissions, or activities by the customer, their affiliates, employees, agents, contractors, or representatives.

The customer shall be solely liable for collecting, withholding, reporting, and remitting taxes to the relevant tax authorities. Sanad Cash or its affiliates shall have no obligation to determine whether taxes apply, nor shall they be liable for the calculation, collection, reporting, or remittance of any taxes to any tax authority in relation to any transaction.

7. Indemnity

The Customer undertakes to indemnify SanadCash Platform and its affiliates, including their respective employees, directors, agents, and representatives, from any and all claims, expenses, suits, demands, losses, damages, and liabilities. This indemnification encompasses judgments, assessments, penalties, interest, and costs. The indemnity is applicable to claims arising from:

7.1. Any actual or suspected breach of the Customer’s representations, warranties, or obligations in this Agreement, including any violation of the Policies.

7.2. Any actual or suspected infringement, misappropriation, or violation of third-party rights or applicable law by the Customer's trademarks used in connection with the Platform Services.

7.3. The Customer's use of the Platform Services.

7.4 Negligence, Strict Liability, or Intentional Misconduct by the Customer:

In the event of any negligence, strict liability, or intentional misconduct by the Customer, the Customer hereby agrees to indemnify, defend, and hold harmless SanadCash Platform and its affiliates, including their respective employees, directors, agents, and representatives, from any and all claims, expenses, suits, demands, losses, damages, and liabilities arising therefrom.

7.5 Transactions Submitted by the Customer through SanadCash Platform Services:

Regarding any transaction submitted by the Customer through the SanadCash Platform Services, the Customer undertakes to indemnify, defend, and hold harmless SanadCash Platform and its affiliates, including their respective employees, directors, agents, and representatives, from any judgment, assessments, penalties, interest, and costs arising from claims, litigation, audits, investigatios, surveys, or other proceedings brought by any person or entity in connection with the mentioned matters.

The Customer acknowledges and agrees that this indemnification extends to any and all related legal expenses, including but not limited to attorney fees and court costs incurred by SanadCash Platform in connection with the aforementioned claims.

8. Customer account

8.1 Customer Account Activation and Management

To access and utilize the Platform Services, the Customer must initiate the account-onboarding process with SanadCash Platform. The Account Administrator, responsible for this process, should be at least 18 years old and possess the necessary authorization. Similarly, any individual with proper permission that has been granted access to specific account features by the account admin must also be at least 18 years old. Both are required to undergo the prescribed verification process.

SanadCash Platform allows Account Admin to reserve the right to delegate some of their authority to other customer personnel, subject to SanadCash Platform's Terms of Use and related regulations.

Maintaining accurate and up-to-date information is of top important. The Customer agrees to provide all information requested by SanadCash Platform, either as part of routine procedures or as necessitated. SanadCash Platform may request additional information to verify identities, and the Customer commits to providing such information promptly.

As part of its service provision, SanadCash Platform may make inquiries to validate information, including checks through trusted parties, channels, and commercial databases. While reasonable steps are taken, SanadCash Platform cannot guarantee user identity. Failure to meet eligibility requirements may result in limited access to the Platform Services.

The Customer assumes responsibility for all actions related to the account, including those performed by Customer Personnel. Regular updates to registration information are essential, and SanadCash Platform reserves the right to refuse or terminate services to any individual or organization at its discretion.

Safeguarding the confidentiality and security of your Credentials is paramount. Under no circumstances should you share your Credentials with external parties. Should any of your Credentials be compromised, it's crucial to promptly notify SanadCash Platform through the provided contact methods. This swift action allows us to suspend your account immediately, preventing any unauthorized transactions.

8.2 Customer Account Funding & Cash-out

Every SanadCash Platform customer is assigned a virtual IBAN for their account, serving as the designated destination for all transfers to fund the account. By choosing to fund your Platform Account, you agree to adhere to the following terms and conditions.

Amounts transferred by the customer will be credited to your account on the business day they are received. If funds are received after the acceptance deadline on a business day or a non-business day, they will be treated as received on the next business day.

There's no provision for overdrafts, interest accrual, or profit margins. Furthermore, the Customer acknowledges that the account limit is determined in adherence to the prevailing Applicable Laws. It's imperative for the Customer to be aware of and comply with these funding limitations to ensure a smooth and compliant experience.

SanadCash Platform, under its own discretion, may implement limits governing the utilization of Platform Services. These include transaction values, the number of transactions within specified time periods, and recharge limits. It is important to note that these general practices and limits may be implemented without prior notice to the Customer.

It's crucial to regularly compare deposited payments with your records, as depositing funds into your account doesn't guarantee irreversible transactions. To ensure the proper crediting of funds, all payments must include a clear and complete reference. It is your responsibility to ensure accurate references for each deposit. Failure to provide a reference or providing an incorrect one may prevent the deposit, and SanadCash Platform is not liable for any resulting losses.

In the event of a refund or cash-out submitted by the customer, SanadCash Platform offers a straightforward refund process. Upon your request, we will conduct necessary checks to ensure compliance with regulations and terms and conditions. Once confirmed that you are not liable to the company, the application, or any third party, you can request a cash refund.

To initiate this process, simply provide your bank account details for the transfer. We commit to considering your refund request within sixty (60) days of receiving it. It's important to acknowledge that we shall not be held liable for any damages, be they direct or indirect. This includes, but is not limited to, potential loss of profits, anticipated sales, goodwill, or incurred expenses, investments, or liabilities associated with your use of the Portfolio Services.

8.3 Device Eligibility for SanadCash Platform

To access the comprehensive Platform services offered by SanadCash, it is imperative to possess a compatible device. For inquiries regarding the list of eligible devices, kindly contact us through the communication methods specified in these Terms and Conditions. It is crucial to note that devices that are either unlocked or have undergone irregular specification alterations are not deemed eligible for utilizing the Platform Services provided by SanadCash Platform. It is the responsibility of the user to ensure that their device meets the necessary criteria for a seamless experience.

9. Cardholder Account

9.1 Card Issuance & Activation

Upon successfully establishing a valid and active Platform Account, you gain the privilege of having a corporate prepaid expense card linked to your Platform Account. However, it is crucial to note that to initiate this process, you must first be added to SanadCash Platform by your designated Account Admin. Subsequently, you are mandated to undergo meticulous ID verifications and related checks to ensure compliance with pertinent regulations and frameworks.

By persistently utilizing our services, you explicitly provide consent and authorization for the issuance of corporate prepaid cards. It is paramount to recognize that the customer acknowledges and accepts full responsibility for any transactions initiated by its designated personnel using the provided card. The Customer bears the responsibility of monitoring and managing the card usage by its personnel, ensuring strict adherence to the terms and conditions outlined in this agreement. Any transactions made by the Customer's personnel will be deemed the responsibility of the Customer, and the Customer shall be held liable for any associated charges or obligations arising from such transactions.

9.2 Card Suspense, Cancellation and Replacement

Within the framework of these Terms and Conditions, customers hold the authority to suspend or cancel any card through SanadCash Platform without incurring additional charges. Notably, if a customer chooses to cancel a card, it's essential to understand that fees linked to the card's issuance and annual subscription fees are non-refundable. The continuity of these terms and conditions persists until all outstanding amounts related to transactions involving suspended or cancelled cards within SanadCash Platform are resolved.

In instances of customer bankruptcy, any remaining balances on the Corporate prepaid Card become immediately payable, and all associated Cardholders must promptly cease the usage of any corporate prepaid card upon the cancellation of these Corporate prepaid Card Terms by SanadCash Platform for any reason. Any existing amounts owed by the customer will become immediately due and payable to SanadCash Platform. SanadCash Platform reserves the right to cancel these corporate cards if the customer fails to adhere to or breaches any provisions, necessitating the immediate settlement of any outstanding amounts owed to SanadCash Platform. The customer is accountable for covering all costs, fees, and expenses incurred by SanadCash Platform, encompassing legal fees associated with obtaining payments from the customer.

SanadCash maintains the right to terminate the Platform Services and this Agreement, offering prior written notice to the Customer without explicit notification to any of the Customer Personnel. Moreover, SanadCash Platform reserves the right to suspend the Platform Services and deny access to the Account, under specific circumstances. These circumstances include instances where the Customer violates the terms of the Agreement, poses an unacceptable compliance or fraud risk, provides false information, or engages in fraudulent or illegal conduct. Security concerns related to the Account or suspicion of unauthorized or fraudulent use can also lead to suspension.

SanadCash will communicate the suspension and its reasons to the Customer where feasible, either before or immediately after the suspension, unless security concerns or legal restrictions prohibit such disclosure. Once the reasons for suspension are resolved, SanadCash will reactivate the Account or Credentials as applicable. Customers seeking reactivation should notify SanadCash through the available communication channels.

Technical, operational, or system developments, including expansions, may necessitate the issuance of a new card by SanadCash. The customer is obligated to comply with all applicable laws, requirements, or regulations in the Kingdom of Saudi Arabia.

Until the customer notifies SanadCash Platform of loss, theft, destruction, or unauthorized use or access of the Card, the customer remains responsible for all transactions made with the SanadCash Platform Card, and customers are required to activate their new corporate cards in accordance with SanadCash Platform requirements.

SanadCash may issue the customer a new physical card if the Customer reports that a card has been lost, stolen, or destroyed, with applicable charges for the replacement.

SanadCash may issue the Customer a new card free of charge in the following cases:

The card is invalidated due to suspected fraud or suspicious activity.

Virtual card is accessed or used by someone other than the Customer without the Customer’s fault or gross negligence.

The card’s validity period is due to expire.

Replacement is required due to technical, operational, or system enhancements.

Replacement is required to comply with applicable laws, requirements, or regulations in the Kingdom of Saudi Arabia.

International Transactions: The total amount of all transactions conducted using a customer’s card will be charged to the card’s account in the account's currency as advised by SanadCash. If a transaction is made in a currency different from the account’s currency, it will be converted to the account’s currency using an exchange rate determined by SanadCash and then debited from the account. Transactions in currencies other than US Dollars will first be settled in US Dollars before being converted and settled in the account’s currency. The Customer acknowledges and consents to the processing of international transactions made using their card, and SanadCash reserves the right to discontinue or limit this service at any time, at its sole discretion.

The Saudi Riyal shall be used as a basis for calculating all transactions and charges in respect of the cards.

9.3 Card Usage Guidelines

SanadCash Platform and its services are subject to acceptable use terms regarding the Account's operation. This encompasses the prohibition of specific transaction categories, such as payments related to gaming, cryptocurrencies, virtual currencies, and any other prohibited transactions may be announced or considered by the related authorities.

Customers are strictly forbidden from utilizing their Account for illicit purposes, including but not limited to fraud and money laundering. In the event of the Customer or any Customer Personnel engaging in or attempting transactions that breach these prohibitions, SanadCash Platform reserves the right to reverse the transaction, suspend or close the Account, report the transaction to the related body, and claim damages from the Customer.

9.4 Unauthorized Charge, Dispute Reporting and Liability Investigation

If a customer reports unauthorized charges on their Payment Cards, SanadCash is committed to conducting thorough investigations to establish responsibility and liability. To facilitate these investigations, SanadCash reserves the right to request essential information and documentation from the customer, which must be promptly provided to assist in the process. Depending on the circumstances, Our Customer Services team may require You to complete a dispute declaration form.

Upon receiving notification of the loss or theft of a SanadCash card, we will promptly block the card. The customer shall bear no further liability in this situation, provided they have acted in good faith and exercised reasonable care and diligence in safeguarding the SanadCash card. SanadCash is committed to ensuring the security and protection of its customers in all such instances.

In the event of suspected fraud or a dispute related to card transactions, the account administrator is authorized to take necessary actions on behalf of the card user. These actions may include, but are not limited to, reporting the case, filling the dispute form, and taking any required steps. The card user acknowledges and agrees that the account administrator has the authority to act in their stead in matters concerning fraud and dispute resolution.

10. Fees and Payment

Within the framework of these Terms and Conditions, the charges associated with the utilization of SanadCash Platform will be mutually agreed upon between the customer and SanadCash Platform. Customer Personnels will not be charged upon utilizing SanadCash Platform in their capacity.

For the utilization of SanadCash Platform, the customer is obligated to make payments to SanadCash Platform including A non-refundable subscription fee, and any additional fees for upgrades and cards services.

These fees may undergo periodic changes in accordance with the provisions set forth in this Agreement. SanadCash Platform retains the right to modify its fees, with such changes being communicated to the Customer via email and determined at the discretion of SanadCash Platform with a minimum notice period of 30 days. Such changes will apply upon renewal and not within the already paid subscription period.

SanadCash Platform reserves the right to charge the Customer or request payment for the outstanding balance through an invoice.

11. Complaints Submission

Should you desire to submit a complaint regarding the Platform services offered by the company, you can proceed by notifying our customer support team in alignment with the stipulations outlined in these terms and conditions. We assure you of our commitment to addressing all complaints impartially and promptly. Upon receiving your complaint, we will initiate communication with you within a period of seven (7) calendar days, unless you inform us of its resolution.

12. Customer support

SanadCash Platform values seamless communication and customer support. Reach our dedicated customer support team by emailing us at support@sanadcash.com.

Visit our official website at https://sanadcash.com/ for additional information. To report any issues, as outlined in these terms and conditions, please ensure that communication is made via email. Rest assured, SanadCash team will promptly respond to your inquiries, employing channels such as phone calls, emails, or any other suitable means.

13. Force majeure

If a Force Majeure Event affects a party's ability to perform its obligations under this Agreement, the affected party must notify the other party in writing within 10 days after the initiation of the Force Majeure Event.

In the event of a Force Majeure Event, the obligation of the affected party to perform its duties under this Agreement shall be suspended until the cessation of the Force Majeure Event. Throughout this duration, the parties impacted by the Force Majeure Event shall not be held liable for any non-performance.

14. Applicable law

The laws of the Kingdom of Saudi Arabia will govern this Agreement. This Agreement, as well as any non-contractual obligations arising from or in connection with it, will be governed and interpreted in accordance with the laws of the Kingdom of Saudi Arabia.

Customer Personnel Terms and Conditions