Terms and Conditions

1. These terms and conditions constitute a legally binding agreement between you (whether personally or on behalf of any entity you represent) and the Jil aldaf alajil Company ("The Company"), hereinafter referred to as "we," "The Company" regarding all aspects of the company's platform services, your use of the platform, or access to our website at www.jeel.co, as well as any other form of communication, media channel, internet site, or mobile application related to or associated with accessing and using the platform. By accessing and using the platform, you acknowledge that you have read, understood, and agreed to comply with these terms and conditions, as modified from time to time. If you do not agree to these terms and conditions, you must immediately stop using the platform or accessing it. If you are using the platform on behalf of an external party, including, but not limited to, any business entity, you represent that you are authorized and have the authority to bind this external party to these terms and conditions.

1.2 The educational institution from which you purchase services using The company's payment services is not considered a party to this agreement, and any terms between you and the educational institution are independent of the terms of this agreement.

1.3 We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. We will provide you with thirty (30) Business Days' notice of any changes to these Terms and Conditions through the agreed communication channels as set out below. You will have the opportunity to object to any such change within ten (10) Business Days of receiving notice from The Company.

1.4 This preamble is an integral part of the agreement.

2. Definitions:

The following terms and expressions in these terms and conditions are meant to have the meanings specified for each of them:

2.1 References to the pronoun "You": References to the pronoun "You" or possessive pronouns for the addressed party (K) or any similar pronouns in this agreement shall signify the customer mentioned in the identification information (as specified below) required before using The company's services.

2.2 References to the pronoun "We": References using the pronoun "We" or plural pronouns as possessive pronouns or direct or indirect objects or any similar pronouns in this agreement shall indicate The company and the entities and individuals affiliated with it.

2.3 Website and Mobile Application: Refers to the website and/or mobile application of The company.

2.4 Customer: Refers to the customer of the "Educational Institution or Educational Institutions Platform" who can avail themselves of The company.

2.5 Educational Institution: Refers to any commercial entity (school, institute, university, nursery, etc.) that offers The company's payment services to its customers pursuant to an agreement between it and The company, or between The company and the Educational Institutions Platform.

2.6 Educational Institutions Platform: Means the means, including, but not limited to, websites and applications, that allow many merchants to display goods and services to customers through a single platform, or through the Educational Institution Platform itself.

2.7 Services: Refers to the services provided by The company.

2.8 Purchase Order: Refers to the order submitted by the customer through the platform or the website of the Educational Institution or any other point of sale to use The company's payment service to purchase goods or services from the Educational Institution.

2.9 The company Payment Service: The service chosen by the customer with the Educational Institution or on the Educational Institutions Platform's website or at any other point of sale with the Educational Institution or on the Educational Institutions Platform, through which the customer chooses to purchase goods or services from the Educational Institution using The company services under this agreement.

2.10 The company Account: Refers to the account created by the customer to use The company's services, the use and operation of which are subject to the terms and conditions of this agreement.

2.11 Payment Transaction: Refers to the process that the customer goes through when choosing to use the payment services available through The company's website in connection with a specific purchase order.

2.12 Refund: The amount paid by the customer to the Educational Institution through The company for a valid transaction and subsequently refunded to the customer in the event of a dispute.

2.13 Dispute: Any request for a refund, deduction, compensation, counterclaim, or disagreement of any kind from the customer against the Educational Institution in connection with goods or services that resulted in a valid transaction.

2.14 Identification Information: Refers to the information required by the customer to create an account with The company as collected by The company or the Educational Institution or the Educational Institutions Platform for the purpose of providing The company's payment services to customers.

2.15 Transaction Information: Refers to all information related to a purchase order.

2.16 Net Amount: Refers to the total amount to be paid by the customer [including any value-added tax and shipping fees] in connection with a purchase order that results in a single valid transaction:

A) minus any refunds.

B) Any discounts, credits, or reductions requested by the customer and approved by the relevant Educational Institution.

2.17 Force Majeure: It refers to any fortuitous or unforeseeable event that is impossible to predict and impossible to prevent, including but not limited to, fires, floods, storms, hurricanes, cyclones, volcanic activities, earthquakes, as well as any actions, orders, or requests issued by a sovereign entity or government and/or any authority presumed to act on behalf of that entity, as well as war, whether declared or undeclared, war-like actions, revolutions, riots, civil disobedience, civil disturbances, strikes, work stoppages, or any similar conditions, and any other cause beyond the control or influence of any party, unless its execution is subject to a guarantee expressly waiving exemption in the event of a force majeure event.

2.18 Applicable Laws: It refers to the laws and regulations in force in the Kingdom of Saudi Arabia that apply to the agreement.

3. Eligibility and Authorization:

3.1 Your use of The company's payment services signifies your legal and lawful eligibility to enter into the underlying agreement under these terms and conditions. It also affirms that you have surpassed the age of eighteen (18) years.

3.2 If you register as a legal entity, a legal person, or any other entity, you acknowledge that you have the necessary authority and eligibility to enter into the underlying agreement and bind your entity to the terms and conditions. Furthermore, you, as a business entity, commit to comply with all applicable laws and regulations governing the use of the website and The company's payment services.

3.3 By clicking the agreement to the terms of this agreement, you acknowledge that you have electronically entered into this agreement in accordance with the regulations in effect in the Kingdom of Saudi Arabia.

4. Accounts and Registration:

4.1 The process of creating an account and completing the agreement requires you to provide specific personal information to The company for the purpose of knowing your customer, as is customary in the Kingdom. This information includes, but is not limited to, your full name, address, email, phone number, and age. Therefore, you acknowledge and agree that accurate, precise, complete, and up-to-date information about you is stored on the account. You must promptly notify The company of any changes to your identification information or any other information or circumstances that may affect your eligibility to continue using The company's payment services or may be required otherwise under the terms of this agreement.

4.2 Under this agreement, you agree to disclose all information that may be relevant or significant to any party to the financing agreement.

4.3 You agree under this agreement that you are responsible for all activities conducted within your account. You also commit to maintaining and consistently enforcing security procedures for your username and password.

4.4 If your password is lost or stolen, or if you believe there has been unauthorized access to your The company account, you must change your The company account password and promptly notify us. The customer is responsible for any transactions made using their stolen account unless they immediately notify us of the account suspension and receive a message from The company confirming the account closure.

4.5 Since user accounts cannot be transferred or assigned, you acknowledge and agree under this agreement that you shall reimburse The company for the value of any use of your account, whether it was a valid or lawful transaction, and whether it is subject to the law, whether it occurred on your part or by any person who can access the website or services or otherwise using the username and password specified by you, whether or not you allowed such access.

4.6 If The company (at its absolute discretion) suspects that any information provided by you is untrue, inaccurate, incomplete, or not updated, without prejudice to any other rights and compensations guaranteed to The company, under the terms and conditions of this agreement, or under the applicable laws, we have the right to suspend our services and your access to the website or its services, limit it, or terminate it.

4.7 The company may (at its absolute discretion and at any time) make any inquiries it deems necessary (whether directly or through a third party), as well as request you to provide a response and further information or documents, without limitation to the foregoing. If you are acting as a business or registered on behalf of a business, these information or documents may include business licenses and other official company documents and/or documents demonstrating any person's authority to act on your behalf. You acknowledge and agree to provide any information and/or documents to The company upon request. You also acknowledge and agree that if you are unable to do so, The company may, without any liability, restrict, suspend, or withdraw your access to the website. We also reserve the right to cancel any accounts that have not been confirmed or activated for a long time.

4.8 When you complete the registration process on your part, you acknowledge and agree that you have read and understood the terms and conditions of this agreement and have agreed to comply with them, as well as the privacy policy and any subsequent amendments to them. The policy and its amendments are considered part and parcel of the terms and conditions of this agreement.

5. Services:

5.1 The company acts as an electronic intermediary designed to bridge the gap between many major educational institutions and beneficiaries (parents and students) by contracting with the owners of these institutions. Our goal is to provide educational institutions with a payment method that allows customers to have the advantage of "Buy Now, Pay Later" with the ability to divide the bill into 12 easy installments.

5.2 The The company website displays services provided by independent merchants who have agreed to list their products on the website. These merchants have a written agreement with The company to provide the services requested by customers through their online platforms.

6. Financing Period:

12 months starting from the date of the first installment.

7. Correspondence and Email Communication:

7.1 Upon creating an account, you acknowledge and agree that you will communicate with us electronically. Therefore, you consent to receiving regular messages from us, and the The company team may contact you via email or send you information through SMS. We may also publish notifications on the website as part of our routine business operations related to your use of the services. You understand and agree that choosing not to use the mentioned means of communication may impact your use of the services.

7.2 To ensure we can communicate with you electronically, you agree to notify us immediately of any changes to your email address or any other information you provide to us. We will communicate with you based on such information, including your phone number, by updating your profile information and any other relevant account information with The company as soon as practically possible when necessary.

7.3 You acknowledge and agree that all agreements, notices, disclosures, and other communications we provide to you electronically meet any legal requirement that such communications be in writing.

7.4 During the registration process on the The company website, you will be asked to agree to receive promotional emails or notifications related to the website and its services. You consent to receive SMS messages for each phone number you provide to The company. You also confirm that you are the primary user of the phone number you have provided to us and acknowledge that you are permitted to receive an SMS message on the phone number you provided. You agree to notify us if you stop using a specific phone number, and at any time you decide or indicate that you no longer wish to receive promotional emails, you can opt-out by clicking the link at the bottom of any promotional email.

8. Intellectual Property Rights and Trademarks:

8.1 Regarding all content on the website, including but not limited to text, graphics, The company logos, buttons, images, audio clips, digital downloads, data compilation, and software (among others), this content is considered the exclusive property and creative work of The company or its licensors. This content is protected by copyright, trademark rights, patents, intellectual property rights, and other intellectual property protection systems and regulations.

8.2 The The company logo and associated symbols are trademarks owned by The company. It is not permitted to use The company 's trademarks concerning any product or service that is not offered by The company or any product or service that might diminish The company 's reputation or harm its reputation.

8.3 Customers are prohibited from using any trademark or intellectual property rights related to The company within any part of the services. Reproducing, altering, preparing, publishing, executing, broadcasting, transmitting, displaying, or otherwise exploiting the services is prohibited unless explicitly authorized in writing by The company. Customers are also prohibited from disassembling the services, performing reverse engineering or reconfiguration, linking any part of the services with a reverse-engineered system, framing, or inserting any code or text with the purpose of removing any part of the services or their indices, erasing them, or extracting data from them, or overloading the operation and functionality of any aspect of the services with unreasonable loads, attempting unauthorized access, disrupting the services, or damaging their associated systems or networks.

9. Website Usage:

9.1 Customers are prohibited from using the The company website for advertising their products or posting in the product review section (related to registered products) or any other section on the website (as determined at our sole discretion) for any publication of the following: any advertising for recruitment purposes, advertisements, or the use of vulgar language, materials containing obscenities, insults, cultural or religious transgressions, critical political content, or any content that may pose a threat to public interest, national security, damage reputation, defamation, or any other content that may be offensive, obscene, or inappropriate.

10. Product Listings and Availability:

10.1 The company will always strive to provide you with the best experiences and a high level of service. The company makes every effort to ensure that products offered by suppliers are available and in stock. However, The company does not assume any responsibility in case any product is unavailable at any educational institution, even if these products were displayed on the website.

11. After-Sales Service:

11.1 Products sold through the The company website bearing the brand name of The company are products for which services and support are provided by the respective local dealers or their suppliers, as per the terms and conditions associated with each product. The company does not provide any warranties for services sold on the website. Therefore, please contact the dealers when in need of technical support, customer service, or after-sales service for their services.

12. Early Settlement Procedures:

12.1 The customer may request early settlement at any time. The company shall issue a clearance letter to the customer in accordance with the Principles and Rules for Protecting Customers of Financial Institutions issued by the Saudi Central Bank. The company shall also update the customer's credit record with credit information companies within the period specified by the relevant regulations and instructions.

13. Payments:

13.1 Upon creating an account with The company under this agreement, account opening allows you to request the use of The company 's payment services when selecting payment for goods or services using the payment option of The company at the relevant educational institution or on the educational institutions' platform.

13.2 The company 's payment services allow you to purchase services from the educational institution or educational institutions' platform and pay later based on the payment terms specified during the payment process. If the beneficiary delays payment, they must cover all legal fees, attorney fees, costs, claims, losses, damages, and other expenses that The company has or will bear. You agree and acknowledge that you have understood and accepted all the fees associated with your purchase as specified in the payment process.

13.3 Once you choose The company 's payment service at the point of sale of the educational institution during the payment process, you will be asked to choose from a range of payment terms that will be valid and binding between you and The company concerning this purchase. The company provides various electronic payment methods on the website, including electronic payment through credit cards.

13.4 The company reserves the right to make any changes or modifications to the payment method or the provision thereof.

13.5 The company provides electronic payment services through third-party service providers. The company does not store any credit card data, and The company assumes no responsibility for any errors, damages, or similar events that the customer may experience due to the use of electronic payment methods, as this falls under the responsibility of the third-party service provider.

13.6 The customer is responsible for ensuring there is sufficient financial coverage in the relevant account to cover the orders. They must also adhere to the credit card transaction limits.

13.7 Under this agreement, you (the Customer) agree and authorize the Company to withdraw the payment amount from the card account stored in your account (the Customer's account) with the Company on the due date. If the transaction is declined due to insufficient funds, the Company reserves the right to attempt to debit the account again at a later date. You (the Customer) are responsible for ensuring the accuracy and updating of your registered bank account details. If you update your account details, you must notify the Company at least 10 business days before the next scheduled payment date. In the event that the Customer has prior outstanding or delinquent payments, any installment deducted from the account on the scheduled date shall be deemed to constitute payment towards the oldest outstanding installment.

13.8 The company may, at its absolute discretion and at any time, make any necessary inquiries directly or through third parties. It may also request additional information or documents from you, generally including, but not limited to, any information or documents necessary to verify your identity and financial suitability. You acknowledge and agree to provide any information and/or documents to The company upon its request. Furthermore, you acknowledge and agree that if you fail to do so, The company, without any responsibility on its part, may cancel the transaction, restrict your access to the website, or withdraw your membership.

13.9 Under this agreement, you acknowledge your financial capability and your ability to meet all financial obligations to The company. You also agree that The company has the right to cooperate with the educational institution, the service provider, in case of non-payment. This cooperation may include (subscription suspension, etc.) until payments are completed.

13.10 Under this agreement, you consent to us verifying your credit record, obtaining your credit report, and verifying your identity through the National Unified Access (NAF) or any other relevant data sources. You acknowledge that your credit report may affect your acceptance of The company 's payment based on your credit behavior and payment history. The company may also be required to share information about your credit history or other relevant information with the Saudi Credit Bureau (SIMAH) or any other entity approved by the Saudi Central Bank (SAMA).

13.11 Under this agreement, you agree to understand and accept the potential consequences of using the financial service in contravention of the agreed-upon terms. You also agree to acknowledge The company 's (at its absolute discretion) right to notify the Saudi Credit Bureau (SIMAH) in the event of your delay or failure to make payments.

13.12 Under this agreement, you agree that you are the true beneficiary of this agreement and that you will not use The company 's services for any money laundering operations.

13.13 The company will notify the Customer of upcoming debits at least 7 days before each scheduled payment via SMS. It is the Customer's responsibility to ensure that sufficient funds are available in the account to avoid any late payment fees or penalties.

13.14 In the event of the Customer's death, the provisions of Section 26 (Jeelpay Guarantee Program) shall apply to the Installment Plans covered by the Program. For any Installment Plan not covered by the Program, including plans relating to university or post-secondary education and cases that do not meet the eligibility conditions of the Program, and for the fees of the academic year in progress at the date of death under Installment Plans covered by the Program, The Company undertakes to the Educational Institution to pay the installments of the current academic term only, excluding the installments of future academic terms.

13.15 In order to proceed with the financing request, the Customer is required to accept the associated promissory note within 7 days of issuance. Failure to accept the promissory note within the specified period shall result in the automatic cancellation of the installment request. In such cases, the Company reserves the right to deduct all expenses incurred by the Company to any third party from any amount paid by the Customer, including the initial down payment.

14. Refunds:

14.1 The company is not responsible for any refund operations concerning you. While The company may play a role in facilitating refund and money transfer operations between you and the educational institution or the educational institution's platform at its absolute discretion, this role does not entail any responsibility regarding refund operations.

15. Secrecy and Privacy:

15.1 The company commits to using all reasonable professional methods to maintain the confidentiality of credit information and data in its possession, and to not use or share such information between individuals and parties with a legitimate interest, except in accordance with the Credit Information System and its executive regulations.

15.2 You agree under this agreement to provide any information, including identification information or documents reasonably required by The company to verify your identity in connection with your The company account or any use of The company 's payment services. You consent to us raising any inquiries we deem necessary to verify your identity. The company retains the right to close your The company account, suspend your access to The company 's payment services, or restrict it if we are unable to obtain or verify this information to our satisfaction.

15.3 Under this agreement, you agree and authorize The Company to use any or all identification and personal data collected from time to time through The Company's websites, platforms, mobile phone applications, or merchants. This may include sharing your identification information and other information with third parties for credit verification, anti-money laundering, or other similar checks, and with licensed insurance and reinsurance companies and their service providers for the purposes of the Jeelpay Guarantee Program (Section 26), or for any other purpose that The Company deems necessary to provide payment services to you and comply with all applicable laws and regulations.

15.4 By this agreement, you consent to grant us permission to use or share your personal information and data collected through the website or mobile application of Jil aldaf alajil Company "the Company". This includes sharing this information with internal departments within the company, as deemed necessary by the company, to provide you with payment services and comply with all applicable laws and regulations.

15.5 You consent to The company using your personal information and acknowledge that your personal information is collected when you access or use The company 's websites, mobile phone applications, with an understanding of how your personal information will be handled.

15.6 If you do not agree with our policies and practices, you will not be able to use The company 's websites, mobile phone applications, and should refrain from using our services.

15.7 Customers have the right to withdraw their consent for the processing of their personal data at any time, subject to contractual and legal restrictions and written notice, without prejudice to any other terms related to the nature of the contract.

15.8 The company does not allow the customer (contracting with The company) to disclose any information received under this agreement or any service contract made with The company to third parties. It is necessary not to access any information related to The company 's activities, in a way that may negatively affect The company 's business. The customer shall be responsible for compensating The company for any loss in business or reputation that may occur as a result of any action taken by the customer.

16. Limits of Liability:

16.1 The company is considered an independent platform and does not participate in transactions that occur between customers and merchants or other relevant participating transactions. The company does not assume any responsibility for any situation related to merchants, and it does not assume any responsibility for any failures related to merchant services, their specifications, reliability, efficiency, availability, or legality.

16.2 Merchants are independent entities from The company, acting as independent service providers and contractors only with The company. They should not be considered employees of The company or its agents. The company does not carry out tasks directly; it manages the execution of tasks through its electronic platform by providing a means of communication between the customer and the educational institution. Merchants are fully responsible for all transactions between them and customers or other related transactions. In case of a dispute between any party to these transactions, both customers and merchants commit to releasing The company from any responsibility arising from or related to those disputes. They also undertake to indemnify The company (and its agents and employees) from any claims, requests, liabilities, and compensations, of any kind or nature, whether known or unknown, whether disclosed or undisclosed, arising from or related to such disputes.

16.3 By agreeing to this agreement, you acknowledge and understand the possibility of risks from merchants or errors on their part or on the part of third-party service providers. Therefore, the use of the services is at the customer's responsibility and at their discretion, and The company shall not be responsible for it.

16.4 The company does not assume any responsibility towards you or any other person for any direct, indirect, consequential, special, punitive, or incidental damages, even if The company has been informed of the possibility of such damages. The company is not responsible for any damages, liabilities, or losses you may incur, whether arising from your use or reliance on the services, inability to access or use the services, or any transaction or relationship between you and any contracted educational institution, even if The company has been informed of the possibility of such damages. The company is also not responsible for any delays or failures in execution, and it does not bear responsibility in the event that the educational institution lacks a professional or specialized permit for the work.

16.5 Services are provided as is and as available, and The company disclaims and disavows all express, implied, or legal representations and warranties not explicitly stated in these terms. This includes representations implied regarding the seller's capability, the suitability of their services for a particular purpose, and non-interference with them. The company does not make any representations or warranties about the credibility of services, goods, their quality, sustainability, availability, or original owner, or any services requested through the use of The company services. The company does not guarantee the services will be free of interruption or error. Therefore, you agree and accept full responsibility for your use of any services provided by The company, up to the maximum extent permitted by applicable law.

16.6 The information on the website is for general purposes only. Regarding the information provided by The company, we make efforts to ensure that the information remains updated and accurate, but we do not make any representations or warranties of any kind, whether oral or implied, as to the completeness, accuracy, credibility, suitability, or availability of the website, information, services, or associated advertisements or graphic material for any purpose. Therefore, your reliance on such information is entirely your own responsibility.

16.7 All registered accounts on The company are subject to continuous monitoring for security and performance-related reasons.

16.8 The company is not responsible for any delays, interruptions, or failures in providing services if the cause is due to a force majeure event or similar events beyond our control or dominance that would prevent the delivery or impede it.

16.9 You acknowledge and agree, under this agreement, to release The company and any of its subsidiaries, officers, directors, employees, and agents from and against any claims, responsibilities, damages, losses, expenses, or compensations, including, but not limited to, legal and accounting fees, arising from or in any way related to:

A) Your access to The company 's account or payment services or their use or inability to use them.

B) Your negligence or misconduct.

C) Your violation of any applicable law.

D) Your failure to provide accurate, up-to-date, and complete information regarding your The company account and maintenance of such information.

16.10 If you do not agree with any of these terms and conditions in the agreement, you should refrain from accessing the website and using The company 's services.

17. Compensation:

17.1 You acknowledge and agree to indemnify and hold harmless The company , its subsidiaries, sponsors, partners, directors, officers, employees, and agents, as well as cover all losses, damages, responsibilities, claims, judgments, settlements, fines, costs, and expenses (including legal fees, investigation costs, and attorney's fees), in case The company incurs any damages due to your actions, or if they arise or are related to your breach of the agreement and the terms and conditions therein, the privacy policy, or your use or third-party use of the services.

18. Pledge:

18.1 This provision serves as notice that we have pledged all our rights and benefits in these terms and conditions, including the right to deduct any amount payable by you according to these terms and conditions. Therefore, The company remains qualified to exercise all its rights and powers at its discretion. You are obligated to pay any amount due unless you receive written notification to the contrary. In such a case, you have the right to claim all rights, powers, assessments, and means of redress upon notice, and by agreeing to these terms and conditions, you acknowledge and accept the terms of this provision.

19. Notifications:

19.1 All notifications and other correspondence under this agreement must be in writing and conducted via correspondence to The company 's email address as specified on The company 's website. If you wish to notify or communicate with The company otherwise, it should be done using your provided email address or phone number according to the terms of this agreement.

19.2 To ensure our ability to communicate with you electronically, you agree to notify us immediately of any changes to your email address or any other information you provide to us. We will communicate with you based on this information, including your phone number, by updating your identification information and any other information related to your The company account practically and as needed.

20. Applicable Laws and Jurisdiction:

20.1 The rights and obligations of the parties stated in these terms and conditions are subject to the agreement set forth and interpreted in accordance with the laws of the Kingdom of Saudi Arabia.

20.2 By agreeing to this agreement, you commit to submitting to the exclusive jurisdiction of the courts of the Kingdom of Saudi Arabia for any dispute arising from the agreement and any of the terms and conditions therein or related thereto. You acknowledge and agree to waive your right to take any legal action in any other jurisdiction.

21. Cooperation in Investigations and Inquiries:

21.1 Under this agreement, you agree to cooperate with The company to the fullest extent permitted by law and applicable regulations in the Kingdom of Saudi Arabia, including agreeing to provide written responses to any questions or information to assist The company in conducting any internal investigation or inquiry.

21.2 Under this agreement, you acknowledge that The company may disclose your information and your mentioned account, or any other account held with the Saudi Credit Bureau (SIMAH) through the membership agreement and established operational rules for information exchange and/or to any other party approved by the Saudi Central Bank (SAMA).

22. Severability and Separability of Terms and Conditions:

22.1 If any term or provision in this agreement is determined to be void, unenforceable, inoperative, or invalid, then that term or provision shall be deemed null and void without affecting the remaining terms and conditions, all of which will remain in full force and effect.

23. Termination of the Agreement:

23.1 This agreement becomes effective on the date you click to confirm your acceptance of its terms and remains valid and binding for the heirs.

23.2 This agreement may be terminated at any time by either party, with or without cause.

23.3 If The company decides to terminate this agreement, it will notify you by sending an email to the email address you provided to The company. Additionally, you agree and acknowledge under this agreement that The company has an absolute right to terminate this agreement with or without cause without being obliged to notify you of the termination.

23.4 You may terminate this agreement by closing your The company account by following the instructions on the The company website. To avoid doubt, you will remain responsible for all obligations related to your The company account even after its closure and your termination of this agreement.

23.5 You may request to close your The company account at any time by following the instructions on the The company website if there are no outstanding amounts payable to The company for The company 's payment services. You will continue to be responsible for all obligations related to your The company account even after its closure.

24. Entire Agreement:

24.1 This agreement and all the terms and conditions contained therein represent the entire agreement, and all that has been agreed upon between you and The company, including any updates from time to time and any postings on our website. This agreement supersedes any prior agreements of any kind.

24.2 These terms and conditions serve as notice to you that all rights and interests of The company, including the right to deduct any amount due from you according to these terms and conditions, are clarified. The company will remain qualified to exercise all its rights and powers at its discretion under these terms and conditions.

24.3 By agreeing to these terms, I hereby consent to provide The company with any information it may require from me to establish, review, or manage my account with the Saudi Credit Bureau (SIMAH) through the membership agreement, established operational rules for information exchange, and/or any other party approved by the Saudi Central Bank (SAMA).

25. Withdrawal:

In the event of withdrawal, the educational institution's withdrawal policy shall apply.

26. Jeelpay Guarantee Program:

26.1 For the purposes of this Section, the following terms shall have the meanings set out below:

A) "Program": the Jeelpay Guarantee Program (ضمان جيل باي) described in this Section 26.

B) "Installment Plan": a valid and effective installment plan concluded between the Customer and The Company for the payment of tuition fees to an Educational Institution.

C) "Covered Event": the death of the Customer, in their capacity as the guardian financially responsible for the Beneficiary Student, occurring during the term of an active Installment Plan and after its effective date, and evidenced by an official death certificate issued by the competent authorities in the Kingdom of Saudi Arabia, or duly attested if issued outside the Kingdom.

D) "Beneficiary Student": each student whose tuition fees are payable under an active Installment Plan in the name of the Customer as at the date of the Covered Event, and who is enrolled in a general education stage from kindergarten up to and including the Secondary Stage.

E) "Secondary Stage": the secondary education stage, or its equivalent, under the education system of the Kingdom of Saudi Arabia, ending upon the Beneficiary Student's completion of the final year of secondary school.

F) "Insurance Provider": a cooperative (Takaful) insurance company licensed by the Insurance Authority in the Kingdom of Saudi Arabia with which The Company has concluded a group cooperative insurance policy for the purposes of the Program (the "Master Policy"). The name of the current Insurance Provider is published on the Program page on The Company's website and through the platform.

G) "Program Terms": the detailed terms, conditions, limits, and exclusions of the Program derived from the Master Policy, as published by The Company on its website (jeel.co), through the platform, and within the enrollment journey.

26.2 The Program is an education continuity benefit under which, upon the occurrence of a Covered Event and the acceptance of the related claim, the tuition fees of the Beneficiary Student for the academic years following the academic year in which the Covered Event occurred are covered in accordance with this Section, enabling the Beneficiary Student to continue their education up to the completion of the Secondary Stage. The Program is provided through the Master Policy, a group cooperative (Takaful) insurance policy issued by the Insurance Provider. The Company acts solely as the policyholder and coordinator of the Program; it is not an insurance company and does not conduct insurance business. All rights and obligations relating to the insurance coverage are subject to the Master Policy and to the laws and regulations of the Insurance Authority.

26.3 Eligible Customers are enrolled in the Program automatically at no additional fee or charge. Nothing in this Section constitutes insurance advice or a recommendation.

26.4 The Program applies exclusively to Installment Plans relating to general education stages from kindergarten up to and including the Secondary Stage. Installment Plans relating to university or other post-secondary education are not covered by the Program, and the death of the Customer under such plans shall be dealt with in accordance with Clause 13.14 of these Terms and Conditions.

26.5 The benefits of the Program apply provided that all of the following conditions are met as at the date of the Covered Event:

A) The Customer holds an active account with The Company and at least one active Installment Plan.

B) The Covered Event occurred after the effective date of the Installment Plan. Death arising from a pre-existing medical condition — being an illness, disease, or sickness for which medical advice or treatment was sought or obtained during the twelve (12) months preceding the Customer's enrollment in the Program — is not covered if it occurs within the first twelve (12) months of the coverage. Death resulting from an accident is covered from the effective date.

C) The Customer is a Saudi national.

D) The Customer's age is not less than eighteen (18) years and does not exceed sixty-five (65) years at the date of enrollment in the Program. The coverage ceases automatically upon the Customer attaining the age of sixty-six (66) years.

E) The Customer is regular in payment as at the date of the Covered Event. If any installment under any of the Customer's Installment Plans remains unpaid for more than thirty (30) calendar days from its due date, the coverage is suspended and the period of delinquency is not covered; the coverage resumes upon settlement of the overdue amounts. If any installment remains unpaid for more than ninety (90) calendar days, the Customer is deemed in default and the coverage lapses finally.

F) The information provided by the Customer at registration and enrollment is accurate and complete.

G) The Installment Plan has not been cancelled, terminated, or settled prior to the date of the Covered Event.

H) The Customer is residing in the Kingdom of Saudi Arabia and was actively working, whether in employment or self-employment, at the date of enrollment in the Program. Retired Customers are subject to the medical underwriting requirements of the Insurance Provider.

26.6 Upon acceptance of the claim relating to a Covered Event:

A) The coverage begins from the academic year following the academic year in which the Covered Event occurred. The fees and installments of the academic year in progress at the date of the Covered Event are not covered by the Program and shall be dealt with in accordance with Clause 13.14 of these Terms and Conditions. Neither the Customer's estate nor their heirs shall be pursued for the amounts covered by the Program.

B) The tuition fees of the Beneficiary Student for subsequent academic years shall be paid directly to the same Educational Institution in which the Beneficiary Student is enrolled, until the earliest of: the Beneficiary Student's completion of the Secondary Stage; the exhaustion of the coverage limits set out in Clause 26.7; or the occurrence of a termination event under Clause 26.9.

C) Benefits are paid exclusively and directly to the Educational Institution. No cash alternative or direct payment to the heirs or to any other person is available.

D) The transfer of the Beneficiary Student to another Educational Institution requires the prior written approval of The Company, and the coverage limits shall remain unchanged following any approved transfer.

26.7 The coverage is subject to the following limits:

A) The maximum benefit per Beneficiary Student per academic year is the lower of: the annual tuition amount recorded for that Beneficiary Student upon enrollment in the Program; or forty thousand (40,000) Saudi Riyals.

B) The maximum aggregate benefit per Customer, for all Beneficiary Students combined and for the entire duration of the coverage, is eighty thousand (80,000) Saudi Riyals.

C) The coverage is based on the tuition fees recorded at the Customer's first enrollment in the Program; subsequent increases in tuition fees are not automatically added to the coverage.

D) The coverage is limited to tuition fees only and does not include transportation, uniforms, books, activities, fines, penalties, or any other fees or charges.

E) Any amount exceeding the applicable limits shall be borne by the Beneficiary Student's guardian.

26.8 The following are excluded from coverage:

A) Death arising from a pre-existing medical condition, as described in Clause 26.5(B), occurring within the first twelve (12) months of the coverage.

B) Suicide or intentionally self-inflicted injury within the first twelve (12) months of the coverage.

C) Death arising from the Customer's commission of, or participation in, a criminal act.

D) Death arising directly or indirectly from war, civil war, hostilities, riots, civil commotion, or acts of terrorism.

E) Death resulting from the abuse of alcohol or the use of narcotics or drugs not prescribed by a licensed physician.

F) Death resulting from nuclear risks or radioactive contamination.

G) Material misrepresentation or concealment of information at registration or enrollment.

H) Death resulting from sexually transmissible diseases, AIDS, or the presence of any human immunodeficiency virus.

I) Death resulting from nervous or mental illness or psychiatric disorders.

J) Death arising from participation or training in dangerous or hazardous sports, racing or competitions of any kind, or underwater activities requiring artificial breathing apparatus.

K) Death arising from air travel other than as a fare-paying passenger on a licensed commercial airline.

L) Installment Plans concluded to finance the Customer's own medical treatment.

The full list of exclusions and conditions is set out in the Program Terms published in accordance with Clause 26.1(G).

26.9 Continuation of the benefit is subject to the following:

A) The continued enrollment of the Beneficiary Student in the Educational Institution, with proof of enrollment provided to The Company within thirty (30) days of the start of each academic year.

B) The benefit terminates automatically upon the earliest of: the Beneficiary Student's completion of the Secondary Stage; the Beneficiary Student's permanent withdrawal from education; or the death of the Beneficiary Student.

C) The benefit is personal to the Beneficiary Student and is not transferable or assignable to any other person.

26.10 Claims are subject to the following:

A) The Company shall be notified of the Covered Event within one hundred and eighty (180) days of its occurrence, through the email [email protected] or through the platform. If the Insurance Provider is not notified within this period, it reserves the right to refuse the claim in accordance with the Master Policy.

B) The claim shall be supported by the following documents: the official death certificate; a copy of the deceased's identification document; the family registry or proof of guardianship of the Beneficiary Student; a certificate of enrollment of the Beneficiary Student issued by the Educational Institution; the contact details of the heirs' representative; a medical report stating the cause of death; and, in the case of death resulting from an accident, the accident or police report. The Insurance Provider may request any additional documents it deems necessary to assess the claim.

C) The Insurance Provider decides on claims within the timeframes prescribed by the regulations of the Insurance Authority, and The Company coordinates the claim process between the heirs' representative, the Educational Institution, and the Insurance Provider.

26.11 Upon settlement of the covered amounts: the Customer's estate and heirs are discharged from the covered obligations towards The Company; any promissory note referred to in Clause 13.15 shall be reduced or cancelled to the extent of the covered amounts; and The Company shall update the Customer's credit record with the Saudi Credit Bureau (SIMAH) accordingly.

26.12 Any fraud, misrepresentation, or submission of forged documents in connection with the Program or any claim shall result in the forfeiture of the benefit, the recovery of any amounts paid, and the pursuit of all available legal remedies.

26.13 The Company may amend, suspend, or discontinue the Program prospectively in accordance with Clause 1.3 of these Terms and Conditions. Any amendment, suspension, or discontinuation shall not affect claims arising from Covered Events that occurred prior to its effective date. The availability of the Program is conditional upon the Master Policy remaining in force; if the Master Policy is replaced, the coverage shall continue under the successor policy in accordance with its terms.

26.14 The Customer consents, under this Section, to The Company sharing the Customer's personal data and the relevant data of the Beneficiary Student with the Insurance Provider, its reinsurers, and the service providers associated with the Program, for the purposes of enrollment in the Program, administration of the coverage, and processing of claims, in accordance with the Personal Data Protection Law, its implementing regulations, and the other applicable laws.

If you have any questions or suggestions regarding the terms and conditions, feel free to contact us via email at ([email protected]).