Effective Date: July 30, 2025
Welcome to AwwalPay. These Terms of Use (“Terms”) govern your access to and use of our website, mobile applications, and associated services. By using any of our services, you agree to these Terms.
1. About AwwalPay
AwwalPay is a fintech platform operated by Awwal Pay Ltd, providing digital payment services including app-based transactions between consumers and businesses in the Kingdom of Saudi Arabia (KSA). Our services comply with the Saudi Central Bank’s (SAMA) Open Banking Framework.
2. Acceptance of Terms
By accessing our website or using our mobile app, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, please discontinue use immediately.
3. Eligibility
You must be at least 18 years old and legally capable of forming binding contracts under KSA law. If you are accessing our services on behalf of a business or entity, you represent that you are authorized to do so.
4. Use of Services
You agree to use our services only for lawful purposes and in compliance with all applicable laws. You may not:
- Use the platform for fraudulent, deceptive, or illegal transactions
- Interfere with or disrupt our systems, servers, or networks
- Access any data or information not intended for you
5. User Accounts
You may be required to register an account to access certain features. You are responsible for maintaining the confidentiality of your login credentials and all activities that occur under your account.
If you register via a third-party service like Facebook, you authorize us to access certain information in accordance with our Privacy Policy.
6. Intellectual Property
All content on the AwwalPay platform — including logos, text, graphics, and software — is the property of Awwal Pay Ltd or its licensors. You may not copy, reproduce, or distribute our content without express written permission.
7. Privacy
Your privacy matters to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
8. Third-Party Services
Our platform may integrate with third-party services such as banks, payment gateways, or social login providers. We are not responsible for the terms, policies, or performance of these services.
9. Limitation of Liability
To the fullest extent permitted by law, Awwal Pay Ltd is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of or inability to use our services.
10. Modification of Terms
We may update these Terms at any time. You are responsible for checking this page periodically. Continued use of our services after changes constitutes your acceptance of the revised Terms.
11. Termination
We reserve the right to suspend or terminate your access to our services at our discretion, including if we suspect any breach of these Terms.
12. Governing Law
These Terms are governed by the laws of the Kingdom of Saudi Arabia. Any disputes will be subject to the exclusive jurisdiction of Saudi Arabian courts.
13. Contact Us
For questions about these Terms, please contact:
📧 operations@awwalpay.io
📍 Awwal Pay Ltd.