Terms and Conditions

1 Terms of Use

These Terms of Services (the “Terms”) apply to users of the RABET mobile application (the “Application”) or its web application located at www.rabet.tech, (the “Website”), and to users (the “User(s)) of any other service, product or content made available in connection with the Application or the Website by RABET (the “Provider”).

By installing the Application or using or accessing either via a computer, mobile phone or other electronic device (a “Device”) either the Application or the Website (including the mobile version of the Website), the User enters into an agreement with the Provider, whereby the content of the agreement comprises these Terms, or of any related documents to which these Terms refer.

The User is responsible for ensuring the Provider’s requirements concerning the accessing and the use of the Services are met.

By installing the Application, the User confirms that he/she has read these Terms and will comply with them. The User must accept these Terms as part of the registration process.

2 Use of the Service

The Services may be used only after registration is successfully completed. The User acknowledges that the Application will not be available without registration.

Part of the registration is to provide basic registration data about the User. These data can be provided in the registration form or by connecting the User’s Account with other User’s social network accounts. A prerequisite for the registration is to provide the User’s consent to the processing of personal data in accordance with the Privacy Policy. By submitting permission, information, data, passwords, usernames, PINs, other log-in information, materials and other content to RABET through the Service, the User is licensing that content to Provider for the purpose of providing the Service and to use in accordance with the Privacy Policy. By submitting this content to Provider, the User represents that he/she is entitled to submit it to us to use for this purpose, without any obligations or limitations.

The User is obliged to provide truthful information about himself/herself. This also applies to data provided by the User through connecting the User’s Account to another social network account.

The User is responsible for keeping his/her account login and password credentials secure and confidential. To extend security, Provider recommends using PIN or device lock mechanism of User’s account (including fingerprint or face ID). Provider assumes that any messages and requests submitted into the Application directly from the App environment are made by registered User. For certain requests, an OTP confirmation can be obtained by Provider to ensure the identity of User is not compromised.

3 Term

The Services shall commence upon the User’s registration for the Services being the moment an account has been created by or on behalf of the User on the Application, Website or the portal Provider makes available for such purpose.

The Services shall continue until terminated either by User or by Provider for breach of these Terms by User.

4 Limitations

The User agrees not to:

The User must not modify or adapt the Website or the Application or modify another website so as to falsely imply that it is associated with the Website or the Application or any other of the Provider’s services. The User agrees not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Website or the Application, and not to use or access the Website or the Application without the express written permission of the Provider.

5 Availability of Service

The User’s access to and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service, interruption of the Service from the financial institution’s side, or other actions that Provider, in its sole discretion, may elect to take.

The User understands and agrees that Provider has to constantly improve the Services and develop new features. As a result, Provider may need to update these Terms from time to time. Provider will notify the User thirty (30) business days before such changes to these Terms are made and give the User an opportunity to review them before they go into effect, unless changes are required by law. Once any updated Terms are in effect, the User will be bound by them if the User continues to use the Services. If the User does not agree to the updated Terms and no longer wishes to benefit from the Services, the User can then opt to terminate the Services by deleting his/her account.

The User acknowledges and agrees that Provider reserves the right, in its sole discretion and at any time, to modify, change, add to, terminate, or discontinue (with respect to an individual user or all users) the Services and/or any associated services, information and content, or technical specifications with notice to the User, and that Provider will not be responsible or liable, directly or indirectly, to User or any other person in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such modification or discontinuance.

6 Disclaimer of Representations and Warranties

THE SERVICES AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICES OR PROVIDED THROUGH THE SERVICES ARE PROVIDED TO THE USER ON AN “AS-IS” AND “AS AVAILABLE” BASIS. PROVIDER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SERVICE. PROVIDER MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT OF THE SERVICES, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. PROVIDER MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

PROVIDER DISCLAIMS ALL RESPONSIBILITY FOR, BUT NOT LIMITED TO, ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF, OR ANY WAY RELATED TO: (I) ANY ERRORS IN OR OMISSIONS FROM THE SERVICES AND THEIR INFORMATION AND CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (II) THE UNAVAILABILITY OF THE SERVICES, INFORMATION AND CONTENT, OR ANY PORTION THEREOF; (III) USER’S USE OF THE SERVICES OR RELIANCE ON ANY INFORMATION AND CONTENT; (IV) PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS, INTERNET ACCESS PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, OR ANY COMBINATION THEREOF, INCLUDING WITHOUT LIMITATION ANY INJURY OR DAMAGE TO USER’S, OR ANY OTHER PERSON’S, DEVICES OR COMPUTERS AS A RESULT OF USING THE SERVICES, OR; (V) USER’S USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE SERVICES.

7 Limitations on Liability

Provider is only liable for fraud, willful misconduct and/or gross negligence in performing its obligations. Provider's liability in relation to the Services shall under no circumstances lead to any compensation for indirect damage of a financial, commercial nature or any other kind, such as time loss, loss of or damage to clientele, loss of data, loss of earnings, loss of profits, increase in general overheads, disruption of business, claims from third parties, reputation or expected savings.

Provider is furthermore not liable for any consequences resulting from:

a) non-compliance by the User (or any of its representatives or agents) with the security precautions, guidelines and/or instructions provided by Provider;

b) the quality of service of any connection required for the Service to operate;

c) the use of any third-party hardware or application and/or the integration with a third party application by or on behalf of the User or any third party;

d) any worms, spyware, malware or any other malicious code or programs present on the User’s infrastructure or within the User’s applications; and

e) the violation of any applicable laws and regulations including, without limitations, those relevant to User.

In the event Provider is held and found liable under these Terms, its liability will in all cases be restricted to the remedying of the proven direct damages, and such liability shall under no circumstances exceed the lesser of:

The limitations to Provider’s liability under these Terms are intended to apply and be enforceable to the maximum extent permitted by law.

8 Content Ownership

All Content created and published on the Application and the Website belong to Rabet and its licensors who own all intellectual property rights (including copyright and database rights). No intellectual property rights in any of the content are transferred to the User while the User makes use of the Services on the platforms.

9 Privacy Policy

User acknowledges that he/she has read and agrees to all the terms and conditions of Rabet’s Privacy Policy, which is located at www.rabet.tech, and that User agrees to the incorporation of the Privacy Policy into these Terms.

10 Force Majeure

If and to the extent that Provider’s performance of any of its obligations pursuant to these Terms is prevented, hindered or delayed directly or indirectly by fire, flood, earthquake, elements of nature or acts of God, acts of war, terrorism, riots, civil disorders, rebellions or revolutions, or any other similar cause beyond the reasonable control of Provider (each a “Force Majeure Event”), and such non-performance, hindrance or delay could not have been prevented by reasonable precautions, then the Provider shall be excused for such non-performance, hindrance or delay, as applicable, of those obligations affected (the “Affected Services”) by the Force Majeure Event for as long as the Force Majeure Event continues and, except as otherwise provided in this Section, Provider continues to use its commercially reasonable efforts to recommence performance whenever and to whatever extent possible without delay, including through the use of alternate sources, workaround plans or other means.

11 Applicable Law and Jurisdiction

These Terms contain the entire agreement between the parties relating to the subject matter contemplated by herein and replaces and supersedes all prior and contemporaneous representations and agreements regarding this subject matter. For the application, interpretation and implementation of the Agreement, Saudi Arabian law alone shall apply, without reference to any conflict-of-law principles. The parties will use good faith efforts to negotiate and settle any dispute that may arise out of or relate to these Terms, or any breach thereof. Failing agreement, the courts in Riyadh, KSA, shall have sole jurisdiction for all disputes that may arise from these Terms.

12 Complaints

The User may, at any time during the use of the Services, submit a complaint to the Provider, through the Application or the Website. The Provider shall acknowledge receipt of the User’s complaint and share a complaint reference number within one (1) business day, to allow the User to follow up on the complaint. Upon submission of the complaint by the User, the Provider shall take responsibility for investigating the complaint and shall inform the User of the expected time period for the decision on the complaint, not exceeding ten (10) business days from the date of registration of the complaint.

13 Contact Details

For any questions regarding the Application, the Website, or these Terms, the User can reach out to customercare@rabet.tech