Introduction
Smart Interaction for Digital Brokerage (Qardi) is a technology platform in financial services officially registered in the Kingdom of Saudi Arabia under the name Smart Interaction for Digital Brokerage (closed joint stock) established under the regulations of the Kingdom of Saudi Arabia, with commercial registration No. 1010675685, and holds a legislative environment license, No. (83/ MN /202312), from The Saudi Central Bank to practice digital brokerage activity supporting financing activity, and its headquarters are located at 8089 Al-Takhasusi Street – Olaya District, Riyadh 12333 – 3084, Kingdom of Saudi Arabia. These general terms and conditions apply to all users of Smart Interaction for Digital Brokerage (Qardi) platform and any of the services provided through the platform and its website.
You must read the terms and conditions carefully before using Smart Interaction for Digital Brokerage (Qardi)website, as these terms and conditions explain the details of the service provided by Smart Interaction for Digital Brokerage (Qardi)website and define the obligations and rights between Smart Interaction for Digital Brokerage (Qardi)and the site user. It is prohibited to use the platform if you do not understand and understand all the terms and conditions. Your use of this website means that you acknowledge, agree, understand, and accept these terms and conditions and will therefore abide by them. If you do not agree to these terms and conditions or do not comply with them, you must refrain from using the site.
Smart Interaction for Digital Brokerage (Qardi)reserves the right to amend the terms and conditions at any time for any legal, regulatory, security, or other reasons at its absolute discretion, and notification will be made through the means it deems appropriate of any change in this regard for a period of no less than 30 days. a day in advance to take the necessary action. These amendments are binding, and we recommend that you visit the site from time to time to ensure that you are aware of the latest changes that may occur to the terms and conditions.
These Terms and Conditions are to be read in conjunction with the Terms, Frequently Asked Questions list and Privacy Policy posted on the Site. If you have any inquiries regarding the Site or these Terms and Conditions, please contact us via email.
The website of Smart Interaction for Digital Brokerage (Qardi) can be accessed via https://qardi.sa. In order to use the service, the user is required to have access to the Internet in addition to being equipped with all the materials and devices necessary to access the Internet, such as a computer, Internet and other devices.
Smart Interaction for Digital Brokerage (Qardi)seeks to constantly develop its services, which may sometimes require canceling the service temporarily or permanently.
An overview of Smart Interaction Company’s platform for digital brokerage (Qardi)
Smart Interaction Digital Brokerage Company platform (Qardi) is an online platform that enables users to access offers presented by financing institutions on the platform, with regard to the agreement for obtaining financing, as it is separate from these terms and conditions and specifies the financing details provided from financing institutions.
Ownership, Intellectual Property and Copyright
Smart Interaction for Digital Brokerage (Qardi) owns all copyrights, registered and unregistered trademarks, design rights, unregistered designs, current and future database rights, all documents, and materials related to the service, and current and future intellectual property rights on the site. You, as a user, agree to take all actions and sign all necessary documents, now or in the future, as reasonably requested of you, with the aim of assigning the aforementioned intellectual property rights to Smart Interaction Digital Brokerage Company (Qardi). Smart Interaction for Digital Brokerage (Qardi)will retain ownership of all copyrights associated with the data that you upload electronically or submit to the site. Accordingly, you, as a user, grant Smart Interaction for Digital Brokerage (Qardi) a permanent and exclusive license, without any compensation or consideration, and non-terminable if This data may be used, copied, distributed, published, and transmitted in any way throughout the world. If you download any content from the site, this is not considered a grant of ownership of this content, nor is it the right to modify that content or use it for any other purposes except those stipulated. Content ownership rights remain fully owned by Smart Interaction for Digital Brokerage (Qardi)or the parties that license it.
Smart Interaction for Digital Brokerage (Qardi) is the owner of all copyrights to the content available on the website. These rights include, but are not limited to, (a) all documents, and materials related to the service. (b) All texts, information, data, drawings, plans, graphic tools, pictures, videos, fonts, music, sounds, and HTML code, in addition to all destinations contained in the site. (c) Designs, choices, and arrangements of the site. Once you submit or send any material that contains any texts, information, data, graphs, graphic plans, graphic tools, images, videos, fonts, music or sounds, (for the purposes stated in this paragraph) Smart Interaction Digital Brokerage Company (Qardi), the user acknowledges the intellectual property rights granted by the system to Smart Interaction for Digital Brokerage (Qardi) permanently and exclusively.
Submitting or sending any content to Smart Interaction for Digital Brokerage (Qardi) entails the following: (a) The user undertakes that Smart Interaction for Digital Brokerage (Qardi) has the full right to distribute or publish that sent content. (b) The user undertakes to compensate Smart Interaction for Digital Brokerage (Qardi) for all damages if anyone objects to the user’s distribution or publication of that content. Whether that objection succeeds or not. (c) The user undertakes that he is fully aware that Smart Interaction for Digital Brokerage (Qardi) has the right to retain that information sent by him for reasons consistent with our privacy policy, in addition to providing the user to Smart Interaction for Digital Brokerage (Qardi) with those rights on permanent basis.
If you download any content from the site, this does not entail granting ownership of that content in any way, nor does it entail the right to modify that content or use it for any uses other than those stipulated. The content ownership rights remain fully owned by Smart Interaction for Digital Brokerage (Qardi)or the parties that license it. Smart Interaction for Digital Brokerage (Qardi)also reserves all rights not expressly granted to the user. The rights to use the materials owned by Smart Interaction for Digital Brokerage (Qardi) are granted under ownership and copyright for purposes other than those stipulated in these terms and conditions, on a case-by-case basis.
Purposes of use :
Smart Interaction for Digital Brokerage (Qardi) platform targets the segment of commercial projects looking for financing that is compatible with regulations and standards (financing applicants).
It should be noted that Smart Interaction for Digital Brokerage (Qardi)and its employees are not agents, representatives, or guarantors in investing in securities. In addition, Smart Interaction for Digital Brokerage (Qardi)and its employees do not bear any responsibility for the extent of the legality of such investments in accordance with the financial market regulations in the Kingdom of Saudi Arabia or any other country Smart Interaction for Digital Brokerage (Qardi)is committed to its role in the platform, .
Also, all information and data presented and provided on this website of Smart Interaction for Digital Brokerage (Qardi)or any other website directly linked to this website are used only for informational purposes. Any material herein must not contain an offer to buy or sell or solicit an offer to buy from any investor, regardless of his or her place of residence. Nor is any material contained on the site designed as the sole basis for making any investment decision. Every investor must carry out all his legal duties and obligations, take the necessary care, ask questions, receive answers, obtain additional information, and conduct due diligence regarding any investment he makes.
All investments must comply with the regulations and laws of the place where the purchase, offer, financing or sale of securities is mad .
Permitted uses :
Unless otherwise stated, the User is granted a non-exclusive, non-transferable right to access, use and display this Site and all information provided by this Site to the User for his or her personal or business use .
The use of these services must comply with the laws of the Kingdom of Saudi Arabia, and these terms and conditions apply to all users of the services owned by Smart Interaction Digital Brokerage Company (Qardi) .
Prohibited uses :
You may not modify, publish, transmit, distribute, display, perform, participate in the transfer or sale, create secondary or derivative works based on the Site, or exploit the materials on it that are protected by intellectual property rights in any way, whether in whole or in part, without Prior written approval by Smart Interaction for Digital Brokerage (Qardi)(except as expressly stated in these terms and conditions).
This site may not be used by foreign companies located outside the borders of the Kingdom of Saudi Arabia , and the user shall be fully and personally responsible for any obligations in accordance with the law of his country .
You may not sublease, lease, sell, assign, transfer, distribute, share in the use or grant rights to any rights provided by the Service or any materials,and documents available on this site to any third party .
It is not permissible to provide use of Smart Interaction for Digital Brokerage (Qardi)website on computers dedicated to services, network, interactive cable television, multi-CPU, or organized user cooperation with users not licensed by Smart Interaction Digital Brokerage Company (Qardi). Or exploit any aspect of access to Smart Interaction for Digital Brokerage (Qardi)website or the materials or documents that this website provides for commercial purposes .
Any information obtained through this website and the contact information of financing entities may not be used for any reasons other than those mentioned in the clause related to (purposes of use) contained in these terms and conditions .
The prohibited uses stated in these terms and conditions will result in: confiscation of the project or confiscation of the project support account and the non-refundability of the fees paid in this regard ,Smart Interaction for Digital Brokerage (Qardi)also has the right to take any additional legal action to the recover intellectual property rights lost due to this .
Smart Interaction for Digital Brokerage (Qardi)has the right to reject all or part of the uses that the user makes of the site or service, whether current or future.
Unless otherwise stated , Smart Interaction for Digital Brokerage (Qardi)owns the intellectual property rights relating to this website and any materials published on it. You may view or download the content for later reference only You may also print pages from the site for your personal use only, subject to any restrictions or controls contained in these terms and conditions. No user of the Site may:
Publishing any materials from this site (including re-publishing on other sites or pages) before obtaining written permission from Smart Interaction for Brokerage Company (Qardi)
Sell, rent or license the use of any materials from this website .
Make a general presentation of any of the materials on this website of the Smart Interaction for Digital Brokerage Company (Qardi) .
Reproduce, duplicate, create copies of, or otherwise use any material from this site for commercial or other purposes .
Edit or modify in any way any of the contents of this website of Smart Interaction for Digital Brokerage Company (Qardi)
Redistribute any material from this website of Smart Interaction for Digital Brokerage (Qardi)unless such material is specifically intended for redistribution .
Please note that when content is intended for redistribution, it must be distributed only in accordance with these terms and conditions .
The User shall not use this website in any way that causes, or may cause, damage to the website or affects the availability or access to it, or in any way that is unlawful, illegal, fraudulent or tortious or in connection with any unlawful, unlawful, fraudulent or tortious activity. For any malicious purpose or activity .
You must not use the Site to copy, store, host, transmit, send, use, publish or distribute any material that contains (or is linked to) any spyware, viruses or other malware of any kind .
You must refrain from carrying out any electronic or software process to collect information (including, but not limited to, deep searches for information, collecting information, or extracting information using spyware or specialized and advanced research software) from the site or from us without the approval of Smart Interaction for Digital Brokerage Company (Qardi) written and explicit
You must not use this website to transmit or send commercial communications not authorized in writing by Smart Interaction for Digital Brokerage Company (Qardi) .
You must not use this website for any purpose related to marketing or promotion without the express written consent of Smart Interaction for Digital Brokerage Company (Qardi) .
Sending e-mails:
When you inquire or request information about a specific service, or in case you gave additional information using any means of communication with our platform, whether electronic or non-electronic, such as requesting inquiries on our website, we will use your email address to respond to your inquiries, and it is also possible to save your mailing address, message, and our response to them for quality control purposes, and we may do so for legal and regulatory purposes.
Sharing Your Information with Other Parties
We do not sell, distribute, or rent your personal information to third parties unless we obtain your consent or are required by law to do so. We use your personal information to send you information about offers and developments in our Lending platform.
However, we may use your information for the purpose of strict Know your customer through governmental agencies and government institutions to verify your provided data.
- Due to the continuous development and frequent change in the laws of the websites, we have the right to change the privacy terms and work policies at any time we see fit, but you will be notified in the event of any modifications.
- We may e-mail periodic reminders of our notices and conditions, but you should check our Platform frequently to see recent changes.
- If you have any inquiries, questions, or comments regarding our Privacy Policy, please feel free to contact us via e-mail at info@sidb.sa
Trademarks :
Trademarks are used by Smart Interaction for Digital Brokerage (Qardi)according to the service the user wants to obtain. Accordingly, any use of marks other than those mentioned above is strictly prohibited, without obtaining prior written approval from Smart Interaction for Digital Brokerage (Qardi)to use those marks. Each request (obtaining approval) is treated separately .
Modifications :
Smart Interaction for Digital Brokerage (Qardi)has the right, at any time and from time to time, in its sole discretion, to modify or discontinue, temporarily or permanently, the service (or any part of the service, including sending or transmitting related materials or documents). Whether modification or discontinuation, with or without prior notice .
Smart Interaction for Digital Brokerage (Qardi)has the right, at any time and from time to time, in its sole discretion, to change or terminate any content or features on the site without prior notice .
The user agrees that Smart Interaction for Digital Brokerage (Qardi)is completely not responsible towards him or towards any third party as a result of any modification, suspension or discontinuation of the service, content or features available on this site .
Difficulties that the system may encounter :
Smart Interaction for Digital Brokerage (Qardi)uses internal development systems for its services. These systems may encounter technological or other difficulties, and computer and communications systems may experience some interruptions. Accordingly, Smart Interaction for Digital Brokerage (Qardi)is constantly enhancing and developing these systems to the extent that they keep pace with the level of use of Smart Interaction for Digital Brokerage (Qardi)website.
Smart Interaction for Digital Brokerage (Qardi)may add additional features and functions to its services, which may lead to the need to develop or license other additional technologies. Also, the increased use of Smart Interaction for Digital Brokerage (Qardi)service may result in an increase in the volume of transactions through special processing systems, or the provision of new services, features, or functions that cause unexpected disturbances in the system, slow response, and deterioration in the level of customer service . and delays in reporting accurate financial information .
Accordingly , Smart Interaction for Digital Brokerage (Qardi)is not responsible for any losses or damages incurred due to non-compliance with these terms and conditions .
Accuracy of information :
If the user registers for this service, he\she pledges that all information and data provided to the site or service are true, accurate, current, and complete. The user undertakes to update this information to maintain its correctness, accuracy, and completeness while using Smart Interaction for Digital Brokerage (Qardi)website.
In the event that the user provides the website to Smart Interaction for Digital Brokerage (Qardi)with incorrect, inaccurate, not current, or incomplete information, or sees chances – for reasonable reasons – that this information is incorrect, inaccurate, or incomplete recent, or incomplete ; Smart Interaction for Digital Brokerage (Qardi)has the right to stop, suspend, or terminate the user’s account.
Accordingly ; Smart Interaction for Digital Brokerage (Qardi)is not responsible for any losses or damages incurred due to non-compliance with these terms and conditions .
Public profile information :
Smart Interaction for Digital Brokerage (Qardi)may share general user account information with a third party. The third party is bound by these terms and conditions when using that information . Smart Interaction for Digital Brokerage (Qardi)is committed not to publish the user’s public account information if he\she refuses to publish his\her public account information with other parties. Smart Interaction for Digital Brokerage (Qardi)uses and protects the user’s information and data in accordance with its privacy policy, of which these terms and conditions are an integral part.
For the opportunities of Smart Interaction for Digital Brokerage (Qardi)to verify the user’s personal data, verify commercial records, and other things that require due diligence through government agencies or any other government systems; Such as the Ministry of Commerce, and/or Absher System, and/or Elm , and/or Thiqah and/or Bayan, for example but not limited to, and that the due diligence carried out by Smart Interaction for Digital Brokerage (Qardi)on the financing applicant is not its approval onThis applicationand should not be relied upon..
Confidentiality of the information :
You agree and acknowledge that the information you provide during the registration process with Smart Interaction for Digital Brokerage (Qardi)is current, accurate, truthful and complete, and you will update this information regularly to maintain its completeness and accuracy .
You are responsible for maintaining the confidentiality of any account information you use to access any feature on the Website, as well as for logging out of your account and any protected areas of the Website . Furthermore, you are entirely responsible for all activities that occur under your account that result from your failure to use or maintain appropriate security measures .
If you become aware of any suspicious or unauthorized behavior in connection with your account, you agree to contact Smart Interaction for Digital Brokerage (Qardi)immediately . Smart Interaction for Digital Brokerage (Qardi) will not be liable for any loss or damage arising from your failure to notify us promptly of such conduct.
Collection and processing of information:
Smart Interaction for Digital Brokerage (Qardi)maintains the confidentiality of all personal and commercial information and information obtained from financing applicants, guarantors, or any other persons regarding concluding and managing financing agreements for projects.
Users and investors pledge to maintain the confidentiality of the information and data they provide, and the investor pledges to maintain the confidentiality of the information and data they receive from any party through the site .
The investor is prohibited from disclosing, distributing or sharing this data information in any other way with a third party .
Users must adhere to: (a) Report Smart Interaction for Digital Brokerage (Qardi) directlyof any unauthorized use of the user name or password or any attempt to breach security or the account (b) It is necessary to ensure that you log out every time. Finish using the account .
Data on the central database :
Smart Interaction for Digital Brokerage (Qardi)refers to the central database of Bayan Credit Information Company before making any commitment towards the financier, financing applicant, or others, as the case may be.
The personal data obtained is used only for the purpose of assessing the financial situation of the person receiving the financing and his or her ability to repay .
Accordingly , Smart Interaction for Digital Brokerage (Qardi)is not responsible for any losses or damages incurred due to non-compliance with these terms and conditions .
Om n the account :
To reduce the risk of account hacking , Smart Interaction for Digital Brokerage (Qardi)account will be locked after five failed login attempts for a period of (sixty 60 minutes), after which the account will be automatically reopened .
Register :
The services provided by Smart Interaction for Digital Brokerage (Qardi)account may require payment of a usage fee. Registration and usage fees are subject to update and change without prior notice. If you receive a confirmation email, this does not mean in any way acceptance of the registration request.
Smart Interaction for Digital Brokerage (Qardi)account has the right, without prior notice, to refuse registration of any user . Smart Interaction for Digital Brokerage (Qardi)account may require verifying information or data before accepting the registration request process, including verifying credit card data and information. You can cancel the registration request by sending a message to info@sidb.sa.
Secure online transactions :
Smart Interaction for Digital Brokerage (Qardi)makes all necessary efforts to secure all transactions that take place through the website. To know more details about how Smart Interaction for Digital Brokerage (Qardi) protects the security and quality of user private information, you can find out by reviewing its privacy policy .
Smart Interaction for Digital Brokerage (Qardi)uses advanced security methods via public keys and private keys. The public key is used to encrypt the information, and the user can use the private key to decrypt that encryption. After that, the user can begin conducting secure transactions that guarantee the integrity and privacy of messages .
If the user discovers any activity that may be fraudulent on the credit card, please quickly contact the bank of that credit card and inform them .
Fees, payment process and offering coverage :
It is the responsibility of the financing applicant to pay administrative fees for the services provided by Smart Interaction for Digital Brokerage (Qardi)with the financing institutions. Such as the due diligence and investigation processes necessary to audit and investigate the financing applicant’s information before the investment/financing process, analyze and evaluate the financial situation of the person receiving financing and his ability to pay and other fees for other services that may arise for the purpose of achieving the necessary diligence .
Financing is accepted and funds are transferred to the financing applicant after verifying the customer’s eligibility for the required financing according to the selection of the required product within the specified period that can be extended .
The financing applicant is responsible for paying the financing contract creation fee (initiation fee) to Smart Interaction for Digital Brokerage (Qardi)according to the financing contract.
It is the responsibility of the user (financing applicant) to pay the transfer fees, which are deducted from the transfer amount .
These above fees may be subject to annual inflation prior to contracting .
Payment of fees shall be made by credit card, mada, or bank transfer and in the name of the registered user only, If you have any inquiries about this, you can contact Qardi Via info@sidb.sa
Cancellation, refund and late payment policy:
It should be noted that when the financing applicant agrees to the terms and conditions; The amounts paid for investment or any administrative fees are non-refundable and Smart Interaction for Digital Brokerage (Qardi)does not bear and will not accept any legal or other responsibility in relation to this matter. In case of any inquiries, you can contact Qardi via info@ sidb.sa
Funds are sent or refunded to the user’s bank account or credit card registered in the user’s name, and are not dealt with in cash .
Related sites :
This Website may contain links to other pages or websites owned or operated by third parties (“Related Websites Smart Interaction for Digital Brokerage) (Qardi)does not have any right or responsibility to control or manage the terms of use or policies of those sites or pages Smart Interaction for Digital Brokerage (Qardi)does not endorse the content, advertising, product, service, or other materials provided by these sites or pages. The user also acknowledges that Smart Interaction for Digital Brokerage (Qardi)is not responsible, directly or indirectly, for any damage or loss resulting from or related to the use of or reliance on those contents, advertisements, products, services, or other materials provided by those sites and pages. relevant external. You must contact the administrators, moderators, or operators of those external pages and sites if there areany inquiries regarding their pages and sites..
Page security rules :
It is prohibited for any user to hack or attempt to hack the security of this website of the Smart Interaction Digital Brokerage Company (Qardi), and acts of hacking or attempting to hack include, but are not limited to: (a) accessing information or data that does not belong to the user or logging in to an unauthorized account Log in to it. (b) Any attempt to view, explore, or test the strength or weakness of the network system, or to violate or attempt to violate the network security or authentication system without prior permission, or attempt to interfere with another user, with a host, or with another network. Violation of network or system security may result in criminal or civil liability . Smart Interaction for Digital Brokerage (Qardi)will make every effort to track and follow up on any violation of the system or security and apply laws to violators in cooperation with the courts of the violator’s country.
Secure e-commerce:
Trade and communication over the Internet depend on the secure transfer of confidential information over public networks. Accordingly , Smart Interaction for Digital Brokerage (Qardi)may rely on encryption and authentication technology licensed from a third party in order to provide security and authentication technology for secure transmissions of confidential information. There is no guarantee that even with advances in computer capabilities, new discoveries in the field of cryptography, or other developments and events, the technology used by Smart Interaction for Digital Brokerage (Qardi)to secure customer transaction information cannot be hacked. Also, the security system followed and used by Smart Interaction for Digital Brokerage Company (Qardi), which is considered the best in practice, does not guarantee that no hacking will occur.
Reporting violations :
Users undertake to inform Smart Interaction for Digital Brokerage (Qardi)of every suspicious incident that includes access, disclosure, detection, modification, loss, destruction or damage to information .
Censorship :
All electronic communications and submitted content may be monitored, examined, saved, read, copied , stored or re-transmitted during daily operations carried out by Smart Interaction for Digital Brokerage (Qardi) employees and agents authorized to do so while exercising their duties and tasks. Or by the competent regulatory authorities who are requested to assist Smart Interaction for Digital Brokerage (Qardi)in the investigations into a possible violation. Electronic communications and content can also be examined through electronic examination methods. Furthermore , Smart Interaction for Digital Brokerage (Qardi)has the full right to reject any electronic communications or content that Smart Interaction for Digital Brokerage (Qardi)deems inconsistent with the policies and procedures followed by Smart Interaction Digital Brokerage Company (Qardi) .
Suspension and cancellation :
In the event that any user of Smart Interaction for Digital Brokerage (Qardi)is considered to have violated any of these terms and conditions (Terms and Conditions of Use), Smart Interaction for Digital Brokerage (Qardi)has the right, in its sole discretion, to suspend or terminate the account and password (or any Related part) and access to Smart Interaction for Digital Brokerage (Qardi)or the website. The User agrees that termination, suspension or any deletion of information related to the User’s account may occur without prior notice. In the event of termination, the user agrees to destroy any copies containing parts of the content available on the site. Finally, the user agrees that Smart Interaction for Digital Brokerage (Qardi)is completely not responsible towards any user or third party for any suspension, termination of access to the service or site or for any deletion it makes of any information related to the user’s account. All texts related to the disclaimer of Smart Interaction for Digital Brokerage (Qardi)and its compensation for the damages mentioned in these terms and conditions of use are valid even after the termination of the relationship with the user.
Users’ responsibility to comply with the laws and regulations of the Kingdom of Saudi Arabia :
The user acknowledges and abides by all laws, rules and regulations in the Kingdom of Saudi Arabia when using this service, including but not limited to: filling out and submitting all necessary forms and papers required by the Central Bank of Saudi Arabia or any other official institutions, ensuring that those institutions accredit investors, and including the data. The necessary information required from those parties, the disclaimer of responsibility related to communications with investors, and other regulatory procedures stipulated under the rules and regulations of the Central Bank of Saudi Arabia. He\she also pledges to be fully aware that Smart Interaction for Digital Brokerage (Qardi)is not a body that provides financial, legal, accounting, or tax advice. All information provided by Smart Interaction for Digital Brokerage (Qardi)related to the commercial paper system and the Central Bank of Saudi Arabia is provided only for the purpose of disseminating legal culture and is not considered as legal advice on which the user can rely. Each user also pledges and guarantees the presence of a legal advisor who will undertake all his regular and legal advice before and during the use of Smart Interaction for Digital Brokerage (Qardi)or any content provided through it .
Limitation of liability :
Smart Interaction for Digital Brokerage (Qardi)may obtain from the financing applicant who wishes to obtain financing only sufficient and relevant information, with the aim of assessing his financial situation and ability to repay. The applicant for financing (and the guarantor, if any) must respond accurately and completely to any information that may be requested in this regard .
The financier must provide Smart Interaction for Digital Brokerage (Qardi)with the necessary accurate and complete information regarding the financing. The financing applicant receives this information in writing or by any other reliable means before concluding the financing agreement. The information must explain in particular the following :
Required warranty and insurance .
Duration of the financing agreement .
The amount and number of regular payments to be made .
Recurring and non-recurring fees, including additional non-recurring expenses that the financing applicant must pay when concluding the financing agreement, such as administrative and procedural expenses, the advance payment due and the residual value, if applicable .
The total financing amount and the conditions governing withdrawal from it .
The commission rate or profit on financing, the indicator that governs the application of this price and any other reference price that applies to the financing commission rate or initial profit, as well as the periods, conditions and procedures for changing the financing commission rate if this applies .
Modify the annual commission rate with an applied example showing all the financial data and assumptions used to calculate the mentioned rate .
The period during which the person receiving the financing can exercise the right to cancel the financing .
Any other information that Smart Interaction for Digital Brokerage (Qardi)deems necessary to evaluate the financial conditions for obtaining financing .
Except for the financier’s loss of his investment or part of it, the financier is not responsible for the debts and obligations of the financing applicant .
If the financier does not provide Smart Interaction for Digital Brokerage (Qardi)with the correct postal and/or electronic address and other communications data, including notices and account statements related to their investments, the financier agrees and acknowledges to spare Smart Interaction for Digital Brokerage (Qardi)and absolve it from any responsibility. He\she waives all his\her rights and any claims from Smart Interaction for Digital Brokerage (Qardi)arising directly or indirectly from the financier’s failure to provide the financier with the account statement, notices, or any other information related to the investments, or those arising from the financier’s inability to respond or verify the accuracy of the information or Correct any alleged errors in statements, notices or other information .
In all cases, the total liability of Smart Interaction for Digital Brokerage Company (Qardi) and its employees agents and representatives in relation to the content and services provided on Smart Interaction for Digital Brokerage Company (Qardi) shall not exceed the amounts of registration fees and user fees paid for using the service, whether the liability is in tort or contract.
Evacuation responsibilaty :
Smart Interaction for Digital Brokerage (Qardi)disclaims any responsibility to guarantee or represent any content contained in the service, including but not limited to: (a) warranties related to marketing, or use for certain purposes including (investment/financing decisions), whether Smart Interaction for Digital Brokerage (Qardi)was not aware, or had knowledgeable reasons, or had been previously advised in this regard. (b) We do not guarantee any results reached or obtained through the use of the service, content, or data available on Smart Interaction Digital Brokerage Company (Qardi). (c) Failure to guarantee that all content of Smart Interaction for Digital Brokerage (Qardi)must comply with the requirements and obligations stipulated in the regulations and laws, such as the regulations of the Saudi Central Bank or other laws and regulations .
The content or services provided by Smart Interaction for Digital Brokerage (Qardi)may not, in any way, be construed as investment advice or opinions by the Smart Interaction for Digital Brokerage (Qardi)about the suitability of any investment project, nor can the content and services provided by Smart Interaction for Digital Brokerage (Qardi)is considered a recommendation, marketing, urging or endorsement from Smart Interaction for Digital Brokerage (Qardi)to initiate investment/financing. Therefore, it is advisable to seek specialized advice from your own financial advisor before commencing investment/financing .
Smart Interaction for Digital Brokerage (Qardi)shall not be responsible for any investment decision based on or derived from the content, services, or results derived or available on the Smart Interaction Digital Brokerage Company (Qardi), nor is the content available on Smart Interaction for Digital Brokerage (Qardi)It is for informational purposes only and should not be acted upon or relied upon alone without legal or business advice. The Services have been compiled based on previous conditions and should not be relied upon to predict future conditions .
Smart Interaction for Digital Brokerage (Qardi)shall in no way be held liable for any direct, indirect, incidental or consequential damages (whether contractual, tort or other liability) and shall be fully responsible for any losses related to the content or services found on Smart Interaction for Digital Brokerage (Qardi) (whether liability contract, tort, or other) including but not limited to: loss of profits or revenues, or for damaged or lost data, or damages resulting from viruses and other harmful programs and data, or damages resulting from Internet networks and pages, or any damages resulting from economic or commercial losses resulting from decisions taken by any party in reliance on the service, its content, or its results, and any damages resulting from delay, failure, interruption , or corruption of any data or information that is sent in connection with the use of the service, and any damages resulting from information that is inaccurate , errors, or omissions related to the content and services provided on the website of the Smart Interaction Digital Brokerage Company (Qardi), and any evaluation of the performance of a previous investment is not an indicator or guarantee of future performance, and Smart Interaction for Digital Brokerage (Qardi)does not guarantee that this performance will be repeated or will be Similar in the future .
Disclaimer of Warranties :
The Platform is provided ‘as is’ without any express or implied warranties of any kind .
Smart Interaction for Digital Brokerage (Qardi)and its affiliates, agents, and licensors. We cannot guarantee the accuracy, reliability, quality, or completeness of the information provided on the site, or that the services provided through the site will be timely, non-infringing in quality, or suitable for trading for a certain purpose of trading, and Smart Interaction for Digital Brokerage (Qardi)does not bear any responsibility for this .
Although Smart Interaction for Digital Brokerage (Qardi)makes every effort to ensure that the services provided on the website are constantly available, the nature of the Internet means that we cannot guarantee the availability of the website . Smart Interaction for Digital Brokerage (Qardi)does not warrant that the provision of the site or any part thereof will be available, uninterrupted or error-free, or that defects in the site will be corrected, or that the site will be free of viruses or other harmful components. Smart Interaction for Digital Brokerage (Qardi)will not be responsible for any loss, damage, expenses, costs, delays or other liabilities whatsoever (including but not limited to any financial losses) that you may incur as a result of using the site or as a result of the site or No part thereof is unavailable at any time for any reason.
Information sent via the Site will pass over public communications networks . Smart Interaction for Digital Brokerage (Qardi)does not bear any responsibility if communications sent through the site are intercepted by third parties, delayed, incorrectly delivered, or not delivered.
Smart Interaction for Digital Brokerage (Qardi)does not bear any responsibility for any direct, indirect or consequential loss or damage incurred by any user in connection with the website or in connection with the use of, inability to use, results or use of the website and any websites linked to it and any Websites for the materialsthe posted on them, including, without limitation, any liability for :
Loss of income or revenue .
Loss of work .
Loss of profits or contracts .
Loss of expected savings .
Data loss .
Loss of good will .
Wasteful management .
Any other loss or damage of any kind, howsoever arising and whether arising in tort (including negligence) , breach of contract or otherwise, even if foreseeable .
Acknowledgment and pledge :
The website is an online platform that enables users to access offers provided by third party financing institutions (banks – financing companies). As a platform , Smart Interaction for Digital Brokerage (Qardi)does not own or sell the companies or financing opportunities that are displayed on the site. When you agree to financing from any institution or company through the website, you are entering into a direct contract with this third party and not with the Smart Interaction Digital Brokerage Company (Qardi). Any arrangement made between you and any third party is at your sole risk .
You understand and acknowledge that Smart Interaction for Digital Brokerage (Qardi)nor any of its information providers, affiliates, or any third parties will advise you personally regarding the nature of any investment, investment portfolio, transaction, investment strategy, or otherwise, and that you have the necessary experience and knowledge. To understand the risks involved in the transactions and opportunities presented, and to be able to obtain advice from a qualified investment expert or advisor to assist you in your understanding of the risks involved .
The content and materials available on Smart Interaction for Digital Brokerage (Qardi)website are for the purposes of providing a platform for users only and are not intended to meet your specific requirements.
In particular, the content and materials available on the Site do not constitute any form of advice or recommendation on the part of Smart Interaction forDigital Brokerage Company (Qardi), and should not be considered an offer, invitation or recommendation to buy or sell investments, securities or any other financial services nor You should rely on it to make (or refrain from making) any specific investment or other decisions . Smart Interaction for Digital Brokerage (Qardi)recommends that you seek independent advice from a financial advisor before making any such decision.
An acknowledgment of your agreement to provide Smart Interaction for Digital Brokerage (Qardi)with the financial work to open or audit my accounts and facilities. You also authorize it to collect all necessary data related to you or your account or subsequent facilities from Bayan Credit Bureau or any other party that Smart Interaction Digital Brokerage Company(Qardi) deems necessaryand suitable for you. I also pledge to disclose to Bayan Credit Bureau, in accordance with the information sharing agreement, all data and information, or to any party determined by the Saudi Central Bank. I also acknowledge the accuracy of all data provided to the Smart Interaction Digital Brokerage Company (Qardi) .
You acknowledge and agree that the prices, descriptions and other financial data available on Smart Interaction for Digital Brokerage (Qardi)are compiled from third party sources believed to be reliable, and that we verify this data as much as is commercially possible. However, you acknowledge and agree that the accounts, profiles and data available on the site are made using third-party data, and that neither such data nor such accounts are guaranteed by these sources, by Smart Interaction forDigital Brokerage Company (Qardi), nor By information providers or any other person or entity and may not be complete or accurate .
Spatial jurisdiction :
Smart Interaction for Digital Brokerage (Qardi)does not guarantee that the content provided on the website is suitable for submission outside the Kingdom of Saudi Arabia. Access to the Content may be illegal in some countries and by certain persons in those countries. If any user accesses the content from any of those countries, he\she bears full responsibility for the damages and risks resulting from that. Each user is also responsible for complying with and enforcing the laws of the country in which he\she resides .
Invalidation of one of the terms or conditions :
If one of the provisions stipulated in these terms and conditions is ruled invalid or unenforceable, this does not affect the rest of the terms and conditions. If part of one of these terms and conditions is ruled invalid, then that condition or provision is considered null and does not affect the rest of the valid terms and conditions .
Reporting :
Entrepreneurs or micro , small , medium enterprises requesting financing with Smart Interaction for Digital Brokerage (Qardi)are responsible for submitting reports on the volume of financing and other information and data, based on their responsibility to exercise due diligence. If you have any questions about the validity of this information and data, please contact us so that we can take the necessary measures .
Combating money laundering and terrorist financing :
The financier and the applicant for financing are committed to all systems, regulations and rules for combating money laundering and terrorist financing in the Kingdom of Saudi Arabia and are committed to filling out all relevant forms before using and registering on Smart Interaction for Digital Brokerage (Qardi)platform.
The financier, the financing applicant, and their representatives agree to provide any information, data , documents, or other things that may be requested by Smart Interaction for Digital Brokerage (Qardi)or another party for any purpose whatsoever without any delay .
Smart Interaction for Digital Brokerage (Qardi)does not bear any responsibility for any fines, losses or damages that may arise as a result of any unreasonable delays in providing information, data, documents, etc by the financier and the financing applicant .
Considering the provisions of the Companies Law, the users or their representatives acknowledge that any failure to provide information, data and/or documents, whether at the request of Smart Interaction for Digital Brokerage (Qardi) or another party, will lead to the cancellation of the license to use the platform.
Users or their representatives further agree to provide accurate, current and reliable information about themselves. Users are responsible for any false or distorted information provided .
Smart Interaction for Digital Brokerage (Qardi), (will require proof of identity and address of the user (or the address of the business managers partners, or relevant representatives) in order to comply with obligations related to combating money laundering and the financing of terrorism.
Financing requests at Smart Interaction for Digital Brokerage (Qardi)will be subject to a study and approval process and may be accepted or rejected by Smart Interaction for Digital Brokerage (Qardi)according to its own discretion in accordance with the rules and regulations issued by the relevant legislative and regulatory authorities .
Availability errors and inaccuracies :
The products or services available on our Service may be mispriced, inaccurately described, or unavailable and Smart Interaction for Digital Brokerage (Qardi)may experience some delay in updating information related to the Service and in our advertisements on other websites due to it constantly updating the services Smart Interaction for Digital Brokerage (Qardi)cannot and does not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services Smart Interaction for Digital Brokerage (Qardi)reserves the right to change or update information and correct errors, inaccuracies or omissions at any time without prior notice .
Content :
Smart Interaction for Digital Brokerage (Qardi)allows certain information to be published, linked, stored, shared, and otherwise made available. You are responsible for the Content you post to the Service including its legality, reliability, and appropriateness .
By posting Content to the Service, you grant Smart Interaction for Digital Brokerage (Qardi)the right and license to use, modify, publicly perform, display to the public, reproduce, and distribute such Content on and through the Service . Smart Interaction for Digital Brokerage (Qardi)reserves any content that you submit, publish, or display on or through the Service and you are responsible for protecting these rights. You agree that this license includes the right of Smart Interaction for Digital Brokerage (Qardi)to make your Content available to other users of the Service, who may use your Content in accordance with these Terms .
You represent and warrant that: (i) the Content is yours (you own it) or you have the right to use it and grant us the rights and license as provided in these Terms, (ii) the posting of your Content on or through the Service does not violate the privacy rights or the rights of publicity. or copyright, contract rights or any other rights of any person .
All financing products are in accordance with the regulations in the Kingdom of Saudi Arabia .
Losses :
In no event will Smart Interactionfor Digital Brokerage Company (Qardi), nor its directors, employees , partners, agents, suppliers or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including by way of Without limitation, loss of profits, loss of investment, data, use, goodwill, or other intangible losses resulting from (1) your access to or use of or inability to access or use the Service;
(2)any conduct or content of any third party on the Service; (3) any content obtained from the Service; and (4) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract , tort (including negligence) or any other legal theory, whether reported to Smart Interaction Digital for Brokerage ( Qardi ) whether or not such damage may occur, and even if the remedy provided for in this Agreement is found to have failed of its essential purpose .
Smart Interaction for Digital Brokerage Company (Qardi), its affiliates, and its licensors do not warrant that the Service will operate uninterrupted, secure, or available at any particular time or location; that any errors or defects will be corrected promptly or that the Service is free of viruses or other harmful components; Or the results of using the Service will meet your requirements.
Restrictions on use of the site :
You will comply with all domestic and international laws and regulations applicable to your use of the Site and will not use the Site or its content for any unlawful purpose .
You agree not to use the following (either by you or through any third party)
Use the Site in any way that could, or could reasonably be expected, damage or overburden any of our servers or any network connected to any of our servers .
Use the Site in any way that will, or could reasonably be expected to, interfere with any other party’s use of the Site or that will, or is likely to be, in violation of any applicable laws or the rights of any party under any applicable laws .
Use any robot, spider, screen scraper, data scraper or other automatic device, routine or process (automated processing) to manipulate, monitor, copy or extract any web pages on the Site or any of the information , content or data accessible from Through the Site, without prior written permission .
Use any automated process to aggregate or combine information, content or data contained within the Site or accessible from information, content or data accessible through any external source .
Use any automated process to interfere or attempt to interfere with the proper working of the site or any transaction or operation conducted on or through Smart Interaction for Digital Brokerage Company (Qardi) .
Publish, upload, transmit, distribute, store, create, publish or otherwise make available through the Site any Content that is untrue, misleading, false, fraudulent or otherwise likely to cause confusion to users of the Site or the Content Is unlawful, defamatory, libelous, offensive to any religious or moral group, obscene , pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, or otherwise offensive or inflammatory .
Misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that may be malicious or technologically harmful .
Take any action that imposes an unreasonable or disproportionately large load on the infrastructure or bandwidth connected to the Site. Attempt to gain unauthorized access to the Site, the server on which the Site is stored, or any server, computer or database connected to the Site .
Attempt to attack the Site via a denial-of-service attack or a distributed denial-of-service attack .
Reverse engineer, reverse assemble, decompile or otherwise attempt to discover the source code or other formula or calculations relating to the software underlying the infrastructure and operations associated with the Site .
Copy, reproduce, alter, modify, create derivative works from or display any part of any content from the Site without our prior written permission .
Smart Interaction Digital Brokerage Company (Qardi), in its absolute discretion, may remove, erase or modify any content published or stored on the site at any time and for any reason, and you are solely responsible for creating backup copies of any content you request or replacing it that you publish or store. On the site at your own expense and account .
Your use of the Site in violation of these Terms may result in, among other things, termination or suspension of your rights to use the Site and we may, in our sole discretion, report a breach of any such obligation and you will cooperate with the relevant authorities by disclosing your identity to them. In the event of any breach your right to use the Site will cease immediately.
Applicable laws and arbitration :
These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia. An arbitration panel consisting of one arbitrator in the city of Riyadh, Kingdom of Saudi Arabia shall have jurisdiction to consider any dispute arising from these terms and conditions .
Cases of blocking access and suspending service for an account :
Smart Interaction for Digital Brokerage (Qardi), may suspend the service or, block access to the user’s account in the following, cases:
If the user violates the provisions of this agreement .
If Smart Interaction for Digital Brokerage (Qardi)knows conclusively or likely that the user is exposed to illegal or irregular credit or fraudulent risks .
If Smart Interaction for Digital Brokerage (Qardi)finds that the user provided misleading, false, incomplete or incorrect data or that the user was involved in fraud or illegal behavior .
If Smart Interaction for Digital Brokerage (Qardi)suspects unauthorized or fraudulent activity of an account or payment data in an account .
Smart Interaction for Digital Brokerage (Qardi)may stop dealing with the customer on the platform pursuant to the regulations, a judicial order, or a request from a government agency or executive authority The user’s access to the user’s account may also be restricted during any investigations or settlements of any existing disputes.
General Provisions :
These terms and conditions are considered the complete contract between each user of Smart Interaction Digital Brokerage Company (Qardi). These terms and conditions also govern the use of Smart Interaction for Digital Brokerage Company (Qardi) and the website and services provided by Smart Interaction for Digital Brokerage Company (Qardi) and replace all previous oral or written agreements between users and Smart Interaction for Digital Brokerage Company (Qardi).
Use of the site is also subject to our privacy and trademark policies.
The inability of Smart Interaction for Digital Brokerage (Qardi)to exercise one of its rights stipulated in these terms and conditions is not considered a waiver of that right or any other right based on this right.
Smart Interaction for Digital Brokerage (Qardi)has the right to collect all expenses paid, including attorney’s fees, to implement its rights stipulated in these terms and conditions.
By using this site and its associated tools, the user agrees that all metrics are computer generated and are objective, not subjective, and are not necessarily designed.
According to the user’s investment criteria, the risks you specify, or your usage needs.
The user undertakes to compensate Smart Interaction for Digital Brokerage (Qardi)for any damages or losses resulting from his use of opportunities or investment decisions or from any other damages or losses related to misuse of Smart Interaction for Digital Brokerage (Qardi) website.
An investment decision should not be made solely based on the material presented on the website.
All numbers are provided by the companies from which they are issued and are not subject to verification.
Users of Smart Interaction for Digital Brokerage (Qardi)website are required to exercise the necessary care while using the website.
Once Smart Interaction for Digital Brokerage (Qardi)is used, the user undertakes that he\she is fully aware that Smart Interaction for Digital Brokerage (Qardi)is merely a website that provides introductory information only and links the customer with the financing institutions that provide services.
The agreement shall be in the Arabic language, and if there is a difference between the Arabic language and the English language, the Arabic language texts shall govern.
The user must review the articles of the agreement and amendments thereto through the website from time to time.
