Welcome to SiFi's website and services. By accessing or using our website (www.sifi.sa) and our fintech services, including digital payments, investment management tools, and financial consulting, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully.
These Terms constitute a legally binding agreement between you and SiFi, a financial technology company headquartered in Riyadh, Saudi Arabia. If you do not agree to these Terms, you are not authorized to use our services.
SiFi provides a range of financial technology services, including but not limited to:
To access certain features of our services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or use of your account.
You agree to use our services in a responsible and lawful manner. You agree not to:
All content on our website, including text, graphics, logos, and software, is the property of SiFi or its licensors and is protected by copyright and other intellectual property laws. You may not use our content without our prior written consent.
Our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or suitability of our services. We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
SiFi does not provide financial advice. All investment decisions should be made in consultation with a qualified financial advisor, considering your individual circumstances and risk tolerance. Past performance is not indicative of future results.
To the fullest extent permitted by law, SiFi shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services, even if we have been advised of the possibility of such damages.
You agree to indemnify and hold SiFi harmless from any claims, damages, or expenses arising out of your use of our services or your violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Riyadh, Saudi Arabia.
SiFi reserves the right to modify these Terms at any time. We will post any changes on our website, and your continued use of our services after such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
SiFi may terminate your access to our services at any time, with or without cause. You may also terminate your account at any time by contacting us.
If you have any questions or concerns about these Terms, please contact us at:
SiFi Legal Department
Al Faisaliyah District, King Fahd Road
Riyadh, Saudi Arabia
Email: legal@sifi.sa
Phone: +966 804457069
When using our digital payment solutions, you agree to comply with all applicable regulations issued by the Saudi Central Bank (SAMA) and other relevant authorities. You are responsible for ensuring the security of your payment credentials and for reporting any unauthorized transactions immediately. SiFi is not liable for any losses resulting from your failure to protect your payment information.
We partner with various payment gateways to facilitate secure transactions. Your use of these gateways is subject to their respective terms and conditions and privacy policies. SiFi is not responsible for the performance or security of these third-party services.
Our investment management tools are intended for informational purposes only and do not constitute financial advice. You are solely responsible for making your own investment decisions. SiFi provides tools and resources to assist you, but we do not guarantee any specific investment outcomes.
Investment involves risk, including the potential loss of principal. You should carefully consider your investment objectives, risk tolerance, and financial situation before making any investment decisions. Consult with a qualified financial advisor before investing.
Our financial consulting services are provided by experienced professionals who are knowledgeable about the Saudi Arabian financial market. However, our advice is based on the information you provide to us, and we cannot guarantee the accuracy or completeness of that information.
SiFi is not responsible for any losses or damages resulting from your reliance on our financial consulting services. Our advice is intended to be a guide, but you are ultimately responsible for making your own financial decisions.
Any disputes arising out of or relating to these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the Saudi Center for Commercial Arbitration (SCCA). The arbitration shall take place in Riyadh, Saudi Arabia, and the language of the arbitration shall be Arabic or English, as agreed upon by the parties.
SiFi shall not be liable for any failure or delay in performing its obligations under these Terms due to events beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, strikes, and governmental regulations.
These Terms constitute the entire agreement between you and SiFi with respect to your use of our services and supersede all prior or contemporaneous communications and proposals, whether oral or written.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.
No waiver of any provision of these Terms shall be effective unless in writing and signed by SiFi. Any waiver of any provision of these Terms on one occasion shall not be deemed a waiver of such provision on any other occasion.