Terms and Conditions

Presented to you Morabaat Platform Comprehensive Terms of Use Agreement Terms & Conditions | Privacy Policy | Data Confidentiality First Party: Zill Al-Amaal Company – Morabaat Platform Second Party: Customer / Beneficiary registered on the platform Document Version: Version 1.0 | [Publication Date: 22-06-2026] Legal Scope: Kingdom of Saudi Arabia: Evidence Law, E-Commerce Law, Electronic Transactions Law, and Personal Data Protection Law Important Notice: Acceptance of this Agreement by clicking “I Agree” during registration or payment constitutes explicit and legally binding acceptance of all its terms and conditions. The user becomes a party to this agreement from the moment of acceptance. First: Introduction and Definitions 1. Introduction In the name of Allah, the Most Gracious, the Most Merciful. This Comprehensive Terms of Use Agreement governs the contractual relationship between Zill Al-Amaal Company, the operator of Morabaat digital platform, and any natural or legal person who registers an account, uses the platform, or benefits from its services. This agreement governs all platform services without exception and serves as a unified legal reference that replaces the need for separate contracts for each service or transaction. This agreement becomes effective upon clicking “I Agree” or completing any registration or payment process. It aims to connect clients with specialized consulting expertise through a secure and reliable digital environment that reflects the professionalism committed to by Zill Al-Amaal Company. 2. Definitions Term Definition Company / Service Provider Zill Al-Amaal Company, a simplified joint-stock company registered in Saudi Arabia under Commercial Registration No. [7054543645], operator of Morabaat platform. Platform Morabaat digital platform available at https://www.morabaat.com/ and its associated mobile applications, an integral part of Zill Al-Amaal Company. Customer / User / Beneficiary Any natural or legal person registering an account or purchasing a service, including individuals, SMEs, or other entities. Consulting Service All consulting services offered via the platform, including administrative, operational, and other specialized consulting services as defined by the company. Consultant The expert or specialist assigned or contracted to provide consulting services under the company’s supervision. Account The customer account created on the platform linked to personal data and transaction history. Agreement This document including all terms, conditions, privacy policy, and data confidentiality provisions. Personal Data Any information identifying an individual such as name, address, phone number, email, or financial information. Acceptance of Agreement Explicit acceptance by clicking “I Agree” or completing registration/payment. Working Days Official working days excluding Friday, Saturday, and public holidays in Saudi Arabia. Fees Monetary charges for each consulting service as displayed on the platform. Second: General Terms and Conditions 3. Electronic Acceptance and Contracting Acceptance of this agreement constitutes a legally binding electronic contract under Article (10) of the Electronic Transactions Law, and is admissible as evidence under Article (57) of the Evidence Law. Acceptance may occur through: 1. Clicking “I Agree” or similar acceptance buttons 2. Completing registration without objection 3. Completing payment 4. Using the platform after reviewing terms Effect of acceptance: The customer is bound by all terms, and electronic records serve as legal proof. 4. Scope of Services Morabaat platform provides consulting services including but not limited to: 1. Administrative and organizational consulting 2. Business development and growth strategy 3. HR and organizational structure consulting 4. Operational improvement consulting 5. Institutional evaluation services 6. Any additional consulting services announced later The company may add, modify, or discontinue services with prior notice. 5. Registration and Account Creation 1. The customer must provide accurate and complete information 2. Data must be updated when changed 3. Customer is responsible for incorrect data 4. Account sharing is prohibited 5. The company may suspend accounts with false information 6. Data may be verified technically 7. Accounts may be suspended for operational or technical reasons 6. Pricing and Payment 1. Prices are in Saudi Riyals (SAR) including 15% VAT 2. Electronic invoices are issued per transaction 3. Payment methods include cards, Mada, Apple Pay, bank transfer, and installment options 4. VAT applies according to Saudi tax law 5. Prices may be modified with 15 days notice (not affecting paid services) 6. Two free revisions are included per service 7. Payment completion confirms contract formation 7. Refund Policy Due to the customized nature of services: 1. All payments are non-refundable 2. Exception: inability of the company to provide service → full refund within 30 working days 3. Customer withdrawal or lack of cooperation is not considered company failure 4. Credits may be issued as wallet balance in special cases 8. Liability and Disclaimer 1. Services are advisory only and do not replace licensed professionals 2. Company is liable only for proven negligence up to service value 3. Company is not liable for customer decisions or indirect damages 4. No liability for force majeure 5. Technical issues may lead to rescheduling or refund 6. No guarantee of uninterrupted service 7. Customers are responsible for securing their account 8. Company is not liable for cyberattacks 9. Customer indemnifies the company for violations 9. International Customers 1. Services governed by Saudi law 2. 0% VAT for non-GCC residents 3. Arabic is the official language (English available when possible) 4. Special packages for foreign market entry Third: Privacy Policy and Data Protection The company complies with Saudi Personal Data Protection Law (Royal Decree M/19). 10. Data Collected • Registration data • Contact information • Professional/business data • Financial data (via payment gateways only) • Technical data (IP, browser, logs) • Support communications 11. Purpose of Processing • Account creation and verification • Service delivery • Payment processing • Communication • Legal compliance • Service improvement • Marketing (with consent) 12. Data Sharing No sale of data. Sharing limited to: • Service providers (payment, hosting, analytics) • Government authorities (legal requirement) • Consultants (minimum required data) • Mergers/acquisitions with notice 13. Customer Rights • Access • Correction • Deletion (where applicable) • Objection to marketing • Data portability Requests via: Support.m@impactp.sa (response within 30 working days) 14. Data Security & Retention • Encryption and security measures applied • Data retained during account activity + 10 years after closure • Secure deletion after retention period • Breach notification as required 15. Cookies Used for: • Platform functionality • Analytics • Preferences No advertising cookies used. 16. Complaints Complaints may be submitted via Support.m@impactp.sa Response within 30 working days Escalation to relevant authority if unresolved Fourth: Confidentiality 17. Confidential Information Includes all business, financial, operational, and strategic data. 18. Company Obligations • Non-disclosure • Use only for service delivery • Secure handling • Staff confidentiality enforcement • Breach notification 19. Customer Obligations • No disclosure of company methodologies • No recording sessions without permission • No resale of outputs 20. Exceptions • Public information • Pre-known information • Legally required disclosures 21. Duration • During contract + 3 years after termination • Compensation rights apply in case of breach Fifth: Intellectual Property 22. IP Rights • All platform content belongs to the company • Limited license granted to users • Customer retains ownership of submitted data • No copying or redistribution allowed 23. Company Commitments • Service delivery • Pricing transparency • Response within 5 working days • Data protection 24. Customer Commitments • Accurate information • Cooperation • Attendance of sessions • Legal compliance • No harmful activities or viruses Sixth: General Provisions 25. Termination • Effective until account closure • Company may terminate for violations • Confidentiality survives termination 26. Amendments • Notice 15 days prior • Continued use implies acceptance 27. Dispute Resolution 1. Friendly settlement (30 days) 2. Mediation 3. Saudi courts (exclusive jurisdiction) 28. Governing Law Saudi laws including E-Commerce Law, Evidence Law, PDPL, VAT Law, and Islamic Sharia principles. 29. Official Notifications • Company email: Support.m@impactp.sa • Customer email: registered email • Platform notifications • Company address: Riyadh, Saudi Arabia 30. Final Provisions • Arabic is the official language • Severability applies • Entire agreement clause • No assignment without consent • Non-waiver of rights Seventh: Customer Acceptance By clicking “I Agree” or completing registration/payment, the customer confirms: • Full reading and understanding • Acceptance of all terms • Legal capacity to contract Company Details Zill Al-Amaal Company | Morabaat Platform Saudi Arabia | Commercial Registration: 7054543645 Email: Support.m@impactp.sa | Phone: 0555853369