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 Jeel Digital for Information Technology Company ("JeelPay"), hereinafter referred to as "we," regarding all aspects of JeelPay'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 JeelPay'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 Jeel Pay.

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 JeelPay'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 JeelPay and the entities and individuals affiliated with it.

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

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

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

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 JeelPay's payment service to purchase goods or services from the Educational Institution.

2.9 JeelPay 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 JeelPay services under this agreement.

2.10 JeelPay Account: Refers to the account created by the customer to use JeelPay'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 JeelPay's website in connection with a specific purchase order.

2.12 Refund: The amount paid by the customer to the Educational Institution through JeelPay 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 JeelPay as collected by JeelPay or the Educational Institution or the Educational Institutions Platform for the purpose of providing JeelPay'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 JeelPay'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 JeelPay'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 JeelPay 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 JeelPay of any changes to your identification information or any other information or circumstances that may affect your eligibility to continue using JeelPay'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 JeelPay account, you must change your JeelPay 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 JeelPay 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 JeelPay 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 JeelPay (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 JeelPay, 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 JeelPay 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 JeelPay upon request. You also acknowledge and agree that if you are unable to do so, JeelPay 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 JeelPay 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 JeelPay website displays services provided by independent merchants who have agreed to list their products on the website. These merchants have a written agreement with JeelPay 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 JeelPay 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 JeelPay 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 JeelPay 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 JeelPay. 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, JeelPay logos, buttons, images, audio clips, digital downloads, data compilation, and software (among others), this content is considered the exclusive property and creative work of JeelPay 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 JeelPay logo and associated symbols are trademarks owned by JeelPay. It is not permitted to use JeelPay 's trademarks concerning any product or service that is not offered by JeelPay or any product or service that might diminish JeelPay 's reputation or harm its reputation.

8.3 Customers are prohibited from using any trademark or intellectual property rights related to JeelPay 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 JeelPay. 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 JeelPay 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 JeelPay will always strive to provide you with the best experiences and a high level of service. JeelPay makes every effort to ensure that products offered by suppliers are available and in stock. However, JeelPay 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 JeelPay website bearing the brand name of JeelPay 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. JeelPay 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. Jeel Pay 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. Jeel Pay 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 JeelPay under this agreement, account opening allows you to request the use of JeelPay 's payment services when selecting payment for goods or services using the payment option of JeelPay at the relevant educational institution or on the educational institutions' platform.

13.2 JeelPay '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 JeelPay 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 JeelPay '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 JeelPay concerning this purchase. JeelPay provides various electronic payment methods on the website, including electronic payment through credit cards.

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

13.5 JeelPay provides electronic payment services through third-party service providers. JeelPay does not store any credit card data, and JeelPay 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 JeelPay to debit the amount from the card stored in your account (customer's account) with JeelPay on the due payment date. In the event of insufficient funds, JeelPay reserves the right to, attempt to debit the account again at a later date, The Customer is responsible for ensuring that the bank account details on file are accurate and up to date, To update account details, the Customer must notify JeelPay at least 10 business days before the next scheduled payment.

13.8 JeelPay 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 JeelPay upon its request. Furthermore, you acknowledge and agree that if you fail to do so, JeelPay, 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 JeelPay. You also agree that JeelPay 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 JeelPay 's payment based on your credit behavior and payment history. JeelPay 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 JeelPay '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 JeelPay 's services for any money laundering operations.

13.13 JeelPay 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 a customer's failure to pay the due installments, JeelPay undertakes to pay the installments for the current semester, but not for the following semesters.

14. Refunds:

14.1 JeelPay is not responsible for any refund operations concerning you. While JeelPay 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 JeelPay 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 JeelPay to verify your identity in connection with your JeelPay account or any use of JeelPay 's payment services. You consent to us raising any inquiries we deem necessary to verify your identity. JeelPay retains the right to close your JeelPay account, suspend your access to JeelPay '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 JeelPay to use any or all identification and personal data collected from time to time through JeelPay '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 or for any other purpose that JeelPay deems necessary to provide payment services to you and comply with all applicable laws and regulations.

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

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

15.6 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.

15.7 JeelPay does not allow the customer (contracting with JeelPay) to disclose any information received under this agreement or any service contract made with JeelPay to third parties. It is necessary not to access any information related to JeelPay 's activities, in a way that may negatively affect JeelPay 's business. The customer shall be responsible for compensating JeelPay 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 JeelPay is considered an independent platform and does not participate in transactions that occur between customers and merchants or other relevant participating transactions. JeelPay 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 JeelPay, acting as independent service providers and contractors only with JeelPay. They should not be considered employees of JeelPay or its agents. JeelPay 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 JeelPay from any responsibility arising from or related to those disputes. They also undertake to indemnify JeelPay (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 JeelPay shall not be responsible for it.

16.4 JeelPay does not assume any responsibility towards you or any other person for any direct, indirect, consequential, special, punitive, or incidental damages, even if JeelPay has been informed of the possibility of such damages. JeelPay 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 JeelPay has been informed of the possibility of such damages. JeelPay 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 JeelPay 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. JeelPay 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 JeelPay services. JeelPay 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 JeelPay, 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 JeelPay, 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 JeelPay are subject to continuous monitoring for security and performance-related reasons.

16.8 JeelPay 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 JeelPay 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 JeelPay '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 JeelPay 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 JeelPay 's services.

17. Compensation:

17.1 You acknowledge and agree to indemnify and hold harmless JeelPay , 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 JeelPay 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, JeelPay 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 JeelPay 's email address as specified on JeelPay 's website. If you wish to notify or communicate with JeelPay 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 JeelPay 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 JeelPay 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 JeelPay in conducting any internal investigation or inquiry.

21.2 Under this agreement, you acknowledge that JeelPay 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 JeelPay decides to terminate this agreement, it will notify you by sending an email to the email address you provided to JeelPay. Additionally, you agree and acknowledge under this agreement that JeelPay 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 JeelPay account by following the instructions on the JeelPay website. To avoid doubt, you will remain responsible for all obligations related to your JeelPay account even after its closure and your termination of this agreement.

23.5 You may request to close your JeelPay account at any time by following the instructions on the JeelPay website if there are no outstanding amounts payable to JeelPay for JeelPay 's payment services. You will continue to be responsible for all obligations related to your JeelPay 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 JeelPay, 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 JeelPay, including the right to deduct any amount due from you according to these terms and conditions, are clarified. JeelPay 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 JeelPay 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.

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