Privacy Policy

I – Important Information and Who we are

National Finance Co. SAOG (“National Finance”; “we”; “us”; “our”) is established under the laws of the Sultanate of Oman and has its registered office at Airport Heights, Muscat- Sultanate of Oman and is licensed and regulated by the Central Bank of Oman.

This Privacy Policy describes how National Finance may Process your Personal Data including the data that you provide when you access and use of our mobile application (“App”):

National Finance Co. SAOG is committed to the protection of Personal Data provided by the App users (“you”; “your”; “yours”) to us.

We are the Controller in relation to your Personal Data. If you have any questions about how we use your Personal Data, you can contact us by email at: or by phone on +968 2447 0000.

II. Definitions

  1. Controller” means person who determines the purposes and means of Processing Personal Data and performs such Processing by themselves or entrusts it to others.

  2. Data Protection Law” means all data protection and privacy laws applicable to the Processing of Personal Data under this Privacy Policy, including the Oman Sultani Decree No. 6/2022 Promulgating the Personal Data Protection Law (as amended from time to time).

  3. Personal Data” means data that makes a natural person identified or identifiable directly or indirectly, by reference to one or more identifier(s), such as a name, an identification number, online identifier data or location data, or by reference to one or more element(s) specific to his genetic, physical, mental, physiological, social, cultural or economic.

  4. Processing” means an operation or set of operations performed on Personal Data, including collecting, recording, analysing, organizing, storing, adapting, altering, retrieving, reviewing, formatting, combining, blocking, erasing, cancelling or disclosing it by transmission, dissemination, transfer, forwarding or making it available otherwise.

III – Collection of Personal Data

We collect data directly from you as our customer or prospective customer.

In certain circumstances we may collect information from you about individuals who do not have a direct relationship with us. This may happen, for instance, when you provide us with information about:

  • Representative(s) of a corporate client;

  • Shareholder(s)/Director(s) of a corporate client;

  • Legal representatives (power of attorney) of a client;

  • Ultimate beneficial owners;

  • Successors and right holders;

  • Co-borrowers / guarantors;

  • Beneficiaries of your payment transactions.

  • Landlords; and

  • Reference contacts provided in the application form by our (prospective) customer.

When you provide us with third party Personal Data (included but not limited to those listed above) you are responsible for ensuring that such third party has received this Privacy Policy and understands how we will use their Personal Data.

IV – What Personal Data we collect from you

Personal Data includes information that we collect and Process about you depending on the products or services you obtain or receive. Typically, we Process the following information:

You provide us with the following categories of information about yourself:

  1. Personal details: title, name, previous names, nationality, photograph (including access to your media and photos library on the device supporting the App), gender, date and place of birth.

  2. Contact: email address, residential or business address and contact telephone number.

  3. Identity: National ID number, Resident ID, passport and similar documentation.

  4. Phone Number/Mobile Number: Your Phone Number/Mobile Number is collected and used to authenticate you on the app and show all the relevant information about your personal relationship with us.

  5. Identity verification data: for our electronic services we require at least two forms of evidence to verify your identity which may include: your registered mobile number, registered email address, facial recognition through pictures of you, fingerprint, recording of your voice and a video call.

  6. Financial information: your bank account number, statement of account, financial history and authentication-related information.

  7. Economic, financial and residency information: income and other revenues, the value of your assets and your country of residence.

  8. Education and Employment related data: level of education, employment, employer’s name and remuneration.

  9. Log-in information: in connection with our account sign-in facilities, including your log-in, username and encrypted password details.

  10. Correspondence: information you give to us by filling in any of our forms or by communicating with us, whether face-to-face, by phone, email, online or otherwise.

  11. Marketing: details of any marketing preferences we receive from you.

  12. Device location: geo-localisation of the device supporting the App.

Protecting the safety of children when they use the Internet is important to us. Our App is intended for use only by persons who are at least 18 years of age.

We automatically collect the following when you use our App:

  1. Technical information, such as your device ID, Mobile and NID Card number.

  2. Networks and connections, when you interact with us and the people and groups that you are connected to (for example, through social media).

We also collect information about you from the following sources:

  1. Credit information agencies and fraud prevention agencies;

  2. People appointed to act on your behalf;

  3. Third party providers and partners to help us improve the Personal Data we hold and to provide more relevant and interesting products and services to you;

  4. Criminal record checks from organizations authorized to provide this data;

  5. Debt recovery agencies;

  6. Advertisers and social media partners may share technical information and information about your visits with them including your experiences or interactions with them;

  7. Databases made available by official authorities and government authorized sources to update/verify your documents; and

  8. Publicly available sources.

V – How we use your Personal Data

  1. to create your account on our app;

  2. to identify you when you sign-in to your account;

  3. to provide you with our services (including processing your application for a new loan and initiating a service request through the App);

  4. to understand how you use and interact with our services;

  5. to administer and improve the design and functionality of our App for a better customer experience;

  6. to contact you if you have asked us to do so including to resolve troubleshooting problems and helping with any issues concerning our App;

  7. for credit reporting, verification and risk management purposes, including detection of fraud, money laundering and other crimes (such as identity theft);

  8. to recover debt and exercise other rights we have under any agreement with you as well as to protect ourselves against harm to our rights and interests in property;

  9. to comply with laws and regulations that apply to us and to co-operate with regulators and law enforcement organizations to prevent illegal activities being committed over our network;

  10. to personalize the marketing messages, we send directly to you (after the marketing or promotional campaign we regularly conduct) when you show interest in our services;

  11. to maintain your login location activities for security purposes;

  12. to provide you with the location of National Finance nearest branch;

  13. to establish, exercise or defend our legal rights; and

  14. to contact you for your opinions about our services including through surveys and other market research.

VI. Who we share your Personal Data with

  1. our authorized employees (on a need-to-know basis) who are trained in the proper handling of Personal Data. Employees who violate our Privacy Policy will be subject to our normal disciplinary Process;

  2. third party agents, contractors or service providers (including their sub-contractors) who provide administrative, telecommunications, computer and other data mining and Processing services who we have non-disclosure agreements with. We will strive at all times to ensure that your Personal Data is kept confidential and secure in accordance with this Privacy Policy and any applicable Personal Data Protection Law in addition to any other applicable law that might be issued from time to time;

  3. reputable reference sources and clearinghouse service providers for the purposes of credit reporting, verification and risk management;

  4. analytics providers that assist us in the optimization of our App including by measuring the performance of our online campaigns and analysing our App activity;

  5. social media companies so they can display messages to you about our products and services or make sure you do not get irrelevant messages;

  6. law enforcement authorities, government bodies, courts, dispute resolution bodies, regulators, auditors and any party appointed by our regulators to conduct investigations or audits of our activities;

  7. other third parties where we have obtained your express consent to do so; and

  8. third parties, where we are required to do so by a court order or where we are under a duty to disclose or share your Personal Data to comply with (and/or where we believe we are under a duty to comply with) any legal obligation.

We will not share any Personal Data with any external organization unless:

  1. we have previously informed you that we may disclose your Personal Data with third parties;

  2. we have stated such disclosure in our agreement with you;

  3. you have provided your express consent; or

  4. we are required by law to do so.

VII – Where we store your Personal Data

We are headquartered in Muscat in the Sultanate of Oman. We store your Personal Data on our servers and in our premises in Oman.

We may transfer your Personal Data to other countries where we or our service providers maintain operations. When we do this, we will ensure it has an appropriate level of protection and that the transfer is lawful.

You can obtain more details of the protection given to your Personal Data when it is transferred by contacting us.

VIII – How we protect your Personal Data

We maintain physical, electronic, and procedural safeguards to protect your Personal Data that comply with local laws and regulations. We use a range of measures to keep your Personal Data secure and protected against unlawful Processing, accidental loss, destruction and damage. When we use external service providers, we require them to provide the same standards of data protection as we do. While we take utmost care to protect your Personal Data transmitted through these means, we are not responsible or liable for any privacy breaches occurring due to reasons beyond our control.

We reserve the right to monitor user and network traffic for security purposes and prevent any unauthorized attempts to tamper with our App or cause damage to our property.

Our App may, from time to time, contain links to external sites. If you follow a link to any of these sites, please note that these sites have their own privacy policies. Please check these policies before you submit any Personal Data to these sites. We are not responsible for the privacy policies or the content of such sites.

IX – How long we keep your Personal Data for

We do not keep your Personal Data for any period longer than is necessary for the purpose for which your Personal Data was collected, Processed, required by law or where we may need it for our legitimate purposes such as maintaining records for analysis or audit purposes, responding to queries or complaints, monitoring fraud, defending or taking legal action and responding to requests from regulators.

If you opt out from receiving marketing communications or object to any other Processing of your Personal Data, we may keep a record of your objection to ensure that we continue to respect your wishes and do not contact you further.

XI – Your Rights

In certain circumstances, you have the right to:

  1. cancel your consent to the Processing of your Personal Data, without prejudice to the Processing made prior to cancellation;

  2. request to amend, update or block your Personal Data;

  3. obtain a copy of your Processed Personal Data;

  4. transfer your Personal Data to another Controller;

  5. request erasure of your Personal Data, unless the Processing is necessary for national storage and documentation purposes; and

  6. be notified of any hacking or infringement of your Personal Data, and of the actions that have been taken in this regard.

You may file a complaint with the Omani Ministry of Transport, Communications and Information Technology. If you believe or considers that our Processing of your Personal Data is not in conformity with the Data Protection Law.

XII - Our Use of Cookies

When you use the App, we may use cookies to collect information and store your preferences. We may use the information for security purpose, to facilitate navigation, to display information more effectively, and to personalize your experience while using the App, as well as for mobile tracking and marketing purposes. We may recognize your device to assist with your use of the App. We may also gather statistical information about the usage of our App, for security, fraud prevention and marketing purposes, and to continually improve the design and functionality and understand how our App is used and to assist us with resolving questions you may have regarding the App. Cookies further may allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are using the App. We may also use cookies in mobile advertising to track responses to advertisements and to measure the success of our marketing campaigns. You note that cookies do not capture any information that can personally identify you. The information we gather helps us improve your user experience and may include (without limitation): time and duration of your use of our App and pages you viewed while using our App.

We reserve the right to amend this Privacy Policy or update it. Where a major change is made, our customers will be informed by e-mail notification or through a notice on our App. You bear the responsibility to ensure that you have read the changes or updates.

Terms and Conditions of Use for National Finance Application

By downloading and using the Application (defined below), you agree to comply with these terms and conditions of use, the Privacy Policy and any other documents that may be published from time to time. These terms and conditions below shall be in addition to and not in derogation of other terms and conditions of any account or any other Mobile Services offered by the National Finance (“we”, “us”, “our”, “ours”) and/or such other terms and conditions as may be specified by National Finance.

The following are the terms and conditions of use of the Application (“Terms of Use”). These Terms of Use, which may be amended from time to time, shall apply to any person (referred to herein as “you”) who accesses or uses any feature of the Application. If you do not agree to these Terms of Use, you shall not download, install, copy, or otherwise use the Application.

I – Definitions

  1. In these terms and conditions:

    1. Account” means the lease account referred to in the Lease Agreement.

    2. Application” refers to as the mobile application created by National Finance that includes all
      Mobile Services provided to the Customer and/or the User.

    3. Customer” refers to the individual or business entity having a finance facility with National Finance.

    4. Electronic Instruction” means the payment transaction carried out by the Customer and/or the User on the Mobile Device.

    5. Facility” means the loan facility offered to the Customer through the Application.

    6. GSM Number” means the Customer’s/User’s mobile number recorded under the Customer’s profile in the National Finance’s system.

    7. Lease Agreement” means the agreement between the Customer and National Finance in relation to the finance facility provided by National Finance to the Customer.

    8. Mobile Device” means a smart phone, tablet or other device (running on the iOS, Android or Windows operating system), which is capable of running the Application.

    9. Mobile Service” refers to the service which National Finance is offering to Customers enabling them to view their accounts and perform transactions through the Application.

    10. National Finance” refers to National Finance Co. SAOG having its registered mailing address at PO Box-1706, Postal Code-112, Ruwi, Muscat, Sultanate of Oman.

    11. PC” shall mean the personal computer (desktop, laptop etc.) of the User.

    12. Security Identifiers” mean the User’s own User ID, password and the OTP generated using token provided by National Finance to the Customer or by using any other unique identifier issued by National Finance.

    13. User” means the person(s) authorized by the Customer to use the Application.

II – The Service

  1. We may offer the Mobile Service to selected Customers at our discretion.

  2. The operation and maintenance of the Account (where applicable) is subject to the Lease Agreement. If the Account is closed, then the access to the Account through the Mobile Service will also be terminated.

  3. Any Electronic Instruction we may receive after the relevant cut-off time on a business day or on a non-business day will be treated as an Electronic Instruction received on the next business day.

  4. Transactions are subject to the rules and regulations of the Sultanate of Oman as specified by the Government of Oman and other regulatory authorities.

  5. We reserve the right to levy service charges for any services provided which are subject to change from time to time.

  6. We shall be irrevocably authorized by the Customer to accept and act upon instructions given by the Customer or the User where the Security Identifier(s) appear to have been validly used including the debit or credit to Customer’s Account or carry out any service requested without further authority from the Customer. The Customer hereby agrees to indemnify us and hold us indemnified against compliance by it with any instructions from the Customer which appear to us to have been given by the Customer.

  7. The Customer agrees that some requests/instructions given by the Customer are subject to authorization by any of our officer(s), and therefore may not be immediately and automatically effected. The Customer further agrees that we reserve the right to allow or disable such requests at our discretion with or without prior notice to the Customer.

  8. The display or printed output produced by a User at the time of use of the Mobile Service is a record of the operation of internet access and shall not be construed as our record of transactions with no liability towards National Finance. Our own record of transactions maintained through our computer systems or otherwise shall be accepted as conclusive and binding unless any discrepancy is pointed out to us within 7 days of receipt of such statement by a Customer.

  9. For security purposes, the Customer agrees and authorizes us, at our sole discretion, to record by whatever means the transactions which the User effects via the Mobile Service and that we may use such records for the purpose of, amongst other things, establishing or verifying that a particular transaction was impacted by the use of Security Identifiers.

  10. We may maintain records of any instruction given by the Customer under this Mobile Service shall be conclusive evidence of the Customer’s instruction and the time it was given.

  11. The User is responsible for the accuracy of all information supplied to us through the use of this Mobile Service and any other means such as electronic mail or written communication and we shall not be liable for any consequences by reason of erroneous information provided by the User. Where the User discovers an error or mistake, the User must inform us immediately.

  12. We shall have the right to set-off and lien in respect of any of the Customer’s linked accounts, either joint or single with regard to any outstanding dues arising out of the Mobile Service.

III - Eligibility and Usage

  1. This Mobile Service shall be available to the Users in Sultanate of Oman, subject to the condition that the User registers for the Application. The User should have registered the User’s current GSM Number with us and should be using the Application for availing the Mobile Services we offer on the Application. Also, for the purpose of availing the Mobile Service, the User would need to have legal and valid authority to access the Application on a Mobile Device or on a PC. Any Facility offered through the Application shall be made available only to the Customers satisfying the eligibility criteria and shall be provided at our sole discretion. We may discontinue this Facility at any time, with or without prior intimation to the User.

  2. The User understands and accepts that any other condition that is a pre-requisite to access and avail benefits under the Mobile Service, including, but not limited to a Mobile Device, data connection, etc. will be the sole responsibility of the User.

  3. The User is hereby granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to install and use the Application only on a Mobile Device that the User owns or controls, solely for the User’s personal use and as expressly permitted herein. Certain software that the Application uses to provide the Mobile Service may have been licensed from third parties (each a “Third Party Licensor”) that are not affiliated with us. This limited right to use such software is revocable at any time in our sole discretion. Our Third-Party Licensors and we retain all right, title and interest in and to the Application and any modifications and updates thereto. The User agrees not to adapt, decompile or, reverse engineer, disassemble, modify, reproduce or create derivative works from any software in the Application. All rights not expressly granted to the User herein are reserved.

IV – Security & Confidentiality

  1. Security Identifiers are to be always kept confidential. The User undertakes not to disclose any password, authentication code and/or user identification code relating to their accounts and/or their use of the Application.

  2. The User must logout from account when leaving their Mobile Device unattended.

  3. The User undertakes not to share any Mobile Devices used to access the Application with any third party and to use passwords to protect against the unauthorized use of such Mobile Devices where possible.

  4. The User agrees to treat the access rights, documentation or any other information related to the Application as strictly private and confidential at all times and shall not copy or reproduce any of the foregoing in any form whether in whole or in part or allow access to any other party without our prior consent in writing.

  5. The Customer/User agrees to duly acknowledge the receipt of password mailer/tokens in accordance with our requirements as communicated to the Customer/User from time to time. The Customer also agrees that we have the right to retain the Customer’s Mobile Service Security Identifiers in disabled status until we receive proper acknowledgement from the Customer/User.

  6. The User is aware that it is the User’s responsibility to obtain and maintain the Mobile Device, which may be necessary for using the Application, in proper working condition and with adequate safeguards against malicious threats.

  7. If the Customer/User becomes aware that the Security Identifiers appear to be known to a third party, the Customer/User must inform us immediately. We are not liable for loss from any unauthorized transactions and/or information, including disclosures made by Customer/User or otherwise by use of the Customer’s/User’s account through the proper Security Identifiers.

  8. Electronic mail is not a secure means of communication, and we shall not act on instructions sent by e-mail.

  9. The Customer/User should be aware that the Internet is not a completely reliable means of communication and should the Customer/User choose to communicate through such means, at their own risk.

  10. The Customer/User acknowledges that the Application and any documentation or information contained therein are our property and we have the copyright interest in all software and documentation relating to the Application and any subsequent amendments, including user guidelines in any form.

  11. Depending on the type and model of the Mobile Device, the User may be able to use biometric authentication technology on the Mobile Device (for example, fingerprint authentication/touch identification facial identification) and access the Application using their fingerprint or facial data or other biometric credentials which are stored on their Mobile Device instead of a password.

  12. Accordingly, the User agrees:

    1. not to activate any biometric authentication technology on their Mobile Device for the Application if the User has any other person’s fingerprint or facial data, or other biometric credentials stored on their Mobile Device; and

    2. not to take any action to disable any function provided by, and/or agreeing to any settings of, the Mobile Device that would otherwise compromise the security of the use of their biometric credentials for authentication purposes (e.g., disabling “attention-aware” for facial recognition).

  13. In addition, the User agrees:

    1. to only download the Application and its updates from official sources;

    2. not to use the Application on any device or operating system that has been changed outside the Mobile Device or operating system vendor supported or warranted configurations (e.g., devices that have been “jail-broken” or “rooted”). A jail broken or rooted device means one that has been freed from the limitations imposed on it by the Mobile Device service provider and/or manufacturer without their approval. The use of Application on a jail broken or rooted device may compromise security and lead to fraudulent transactions;

    3. to follow all security warnings and recommendations provided by the manufacturer of their Mobile Device operating system; and

    4. Not access the Application, or any server or database connected to the Application or used by us in connection with the Mobile Service, in any manner that:

      1. compromises, breaks or circumvents any of our technical processes or security measures associated with the Mobile Service, including the creation or transmission of any virus, worms, trojan horse, cancel-bot or any other destructive or contaminating program;

      2. poses a security vulnerability to customers or users of the Mobile Service;

      3. tests the vulnerability of our systems or networks; or

      4. attempts unauthorised access or constitutes an attack such as a denial-of-service attack or a distributed denial-of service attack.

  14. If the User chooses to activate any biometric sensor/authentication technology on their Mobile Device to access the Application, any access, transfers and/or transactions effected using any of the fingerprint(s) or facial data or biometric credentials stored on their Mobile Device will be considered as authorised by the User and the User will be fully responsible for them. The User will also be fully responsible and liable for all consequences arising from or in connection with the use of the Mobile Service or the Application if they fail to take any of the security measures communicated or published by us or the User’s Mobile Device manufacturer from time to time.

  15. The User acknowledges and agrees that we are not responsible for the biometric sensor/authentication technology on their Mobile Device and we expressly exclude any statutory or other warranty, condition, term or undertaking as to the quality, accuracy or performance of the biometric sensor/authentication technology on their Mobile Device as a means for securing access to and using the Application. By activating the biometric sensor/authentication technology on their Mobile Device to access for the Application, the User agrees that we will be using and relying on such biometric sensor/authentication technology on their Mobile Device to authenticate their identity, instead of requiring their password. The User agrees that we may treat and consider as valid and binding on them any instruction given, or agreement made with us, which is authenticated through the User’s biometric sensor/authentication technology on their Mobile Device without us making any further inquiry as to the authority or identity of the person making or purporting to give such instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms. For certain transactions, the User acknowledges that we may still require their password and/or another form of authentication even though they have accessed the Application using any of the User’s biometric sensor/authentication technology on their Mobile Device.

  1. Liability

  1. The Mobile Service is provided “as is” and without warranty. The User acknowledges and agrees that from time to time, the Mobile Service may be delayed, interrupted or disrupted for an indeterminate period of time due to circumstances beyond our reasonable control including, without limitation, any inaccuracy, interruption or delay in transmission by the telecommunications carrier used with the Mobile Device to access the wireless web, or any interruptions, disruption or failure in the provision of the Mobile Service, whether caused by strikes, power failures, equipment malfunctions or other reasons. We or any of our Third-Party Licensors shall not be liable for any claim arising from or related to the Mobile Service arising from any such delay, interruption, disruption or similar failure. In no event will we or any of our Third-Party Licensors be liable for indirect, consequential or special damages, including lost profits, arising from your use of the Mobile Service, even if such damages were reasonably foreseeable and notice was given regarding them. These limitations will apply to all causes of action, whether arising from breach of contract, tort (including negligence) or any other legal theory.

  2. We shall not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms of Use that is caused by any event outside of our reasonable control, including accident to or breakdown of delivery vehicle, strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.

  3. By identifying a Mobile Device as eligible for use with the Mobile Service, we do not recommend, endorse or make any representation or warranty of any kind regarding the performance or operation of such device. The User is responsible for the selection of a Mobile Device and for all issues relating to the operation, performance and costs associated with such Mobile Device with their telecommunications carrier.

  4. Our Third-Party Licensors and we have no obligation to correct any bugs, defects or errors in the Mobile Service or the Application, or to otherwise support, maintain, improve, modify, upgrade, update or enhance the Mobile Service or the Application.

  5. We shall not be liable to the Customer for any negligence, breach of contract, misrepresentation or otherwise for any loss howsoever caused (including any loss direct, indirect, incidental, consequential and irrespective of whether any claim is based on the loss of revenue, investment, production, goodwill, profit, interruption of business) to the Customer by reason of, but not limited to, any of the following:

    1. The Customer’s use of the Mobile Service or any materials or software provided or downloaded from the Application.

    2. Failure on the part of the Customer to use or access the Mobile Service at any time and any error in the provision of any part of it.

    3. Any claim brought by a third party against us or our Customers by reason of improper use of the Mobile Service by the User.

    4. Any delay or failure of any transmission or receipt of any instructions or notification sent through the Mobile Service.

    5. The Customer’s use of e-mail or other non-secure electronic instructions to provide us with their instructions;

    6. Any inaccurate information or opinions displayed through the Mobile Service or the Customer’s reliance thereon;

    7. Any loss incurred using the Security Identifiers issued to the Customer or any substitutes thereon without the Customer’s authority.

    8. Any loss caused by failure to safeguard the Security Identifiers issued to the Users.

    9. The Customer acknowledges the validity of all orders issued to National Finance with the Security Identifiers and shall waive all personal claim/s or objections for our implementation of those orders.

  1. We will not be able to act on the Customer’s instruction submitted through the Mobile Service if we suspect or reasonably consider:

    1. the Customer’s instructions may not be accurate or authentic;

    2. we may be in breach or contravention of any laws, regulations or other such duty by acting on such instructions;

    3. we cannot comply with the Terms of Use by reasons of conditions beyond our control (including any systems or equipment failure, industrial disputes or force majeure).

VI – Personal Data

You agree that we may use your Personal Data in accordance with the terms set out in our Privacy Policy which may be found here: [INSERT LINK TO PRIVACY POLICY]

VII – Proprietary Rights

We are and shall remain the owner of the trademarks, logos and all other marks shown on this Application. Users are prohibited from using the same without our prior written consent. No proprietary rights or ownership rights vest in the Customer or the User by reason of use of any of the software provided for use of the Mobile Service.

VIII - Changes to the Terms of Use

  1. We have the absolute discretion and full authority, with no objection from User/Customers’ side, to change any of these Terms of Use at any time and shall endeavour to give prior notice of 15 days for any such changes.

  2. We shall determine the privileges attached to the use of the Mobile Service and shall have absolute discretion to change, vary, add or amend these privileges and conditions attached thereto, from time to time, as we deem fit.

  3. We shall attach or detach any accounts opened in the name of the Customer, subsequent to this Application. The Customer agrees and acknowledges that such attachment or detachment can be due to our rules and regulations prevailing from time to time.

  4. We shall, from time to time, introduce new facilities/options into the Mobile Service. The Customer hereby agrees to abide by the Terms of Use applicable to such newly added services/facilities/options added subsequently to the activation of the Security Identifiers whether or not the Customer expressly registers to avail such services.

  5. In case we require the Customer to register for a specific service provided as part of the Mobile Service, the Customer undertakes to adhere to such request for registration to avail such service. The Customer agrees that any such subsequent registration becomes an integral part of this agreement.

IX – Termination

  1. The Customer may request termination of the Mobile Service by giving 15 days’ written notice to us and shall be responsible for all transactions until the time of cancellation of the Mobile Service.

  2. We may withdraw the Mobile Service at any time provided that Customer is given notice.

  3. We may suspend or terminate the Mobile Service without prior notice to the Customer if the Customer has breached any terms.

X – Notices

  1. Notices under these terms and conditions may be given to us and the Customer in writing by delivering them by hand or post to the last known address given by the Customer or in our case, to the address mentioned in the Definitions section above.

  2. In addition, we may publish notices of a general nature which are applicable to all Customers of the Mobile Service, on our Application or website. Such notices shall have the same effect as a notice served individually to each Customer.

XI – No assignment by the Customer

You may only assign your rights or your transfer your obligations under these Terms of Use to another person if we agree to such assignment in writing. We may assign our rights or transfer our obligations under these Terms of Use to another party, but this will not affect your rights or our obligations under these Terms of Use.

XII - Third Parties

These Terms of Use are between you and us. No other person shall have any rights to enforce any part of these Terms of Use.

XIII – Severability

If any provision of these Terms of Use shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions of these Terms of Use which shall remain in full force and effect.

XIV – No waiver

If we fail to insist that you perform any of your obligations under these Terms of Use, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

XV – Conflicting Languages

If these Terms of Use are translated into Arabic, and there is a discrepancy between the English text and the Arabic text, the Arabic text will govern.

XVI - Governing Law and Jurisdiction

1. These Terms of Use shall be governed by and construed in accordance with the laws of the Sultanate of Oman. The mere fact that the Mobile Service can be accessed through the internet by a Customer in any other country other than the Sultanate of Oman does not imply that the laws of the said country govern these Terms of Use and /or operations relating to any of the accounts of the Customer under this Mobile Service.

2. You hereby irrevocably submit to the non-exclusive jurisdiction of the courts of Oman.