Terms & Conditions

PART A: GENERAL

1. Scope: This Digital Access Agreement (the Agreement), as amended from time to time, governs your use of all the Saudi Fransi for Finance Leasing e-services including (collectively referred to as Services) and applies when you access or use the Services, regardless of the technology you use to access these Services. It replaces all prior agreements between you and Saudi Fransi for Finance Leasing for your use of Services. By using any of the services you confirm that you have read, understood and accepted these terms and conditions.

2. Other Agreements: This Agreement must be read together with any other existing and future written agreements that you have with us and any terms, conditions or disclaimers provided on our website (https://j-b.com.sa). For example, there are a variety of additional terms, conditions and disclaimers in other agreements that govern your use of Finance with Saudi Fransi for Finance Leasing and Services. If there is a conflict between a term in this Agreement and any other written agreement with us, the term of the other agreement will apply to the extent necessary to resolve the conflict.

3. Changes to this Agreement: We may change this Agreement at any time. We will notify you of a change to this Agreement by posting a notice on our website. Your use of Services after we post the notice means that you agree to and accept this agreement as amended. If you do not agree to a change in this Agreement, you must immediately stop using all services.

4. Changes to the Services: You understand that we may add, remove or change any part or feature of the Services, or the Website at any time, without giving notice to you.

5. The Company reserves the right to modify its fees at any time, and shall notify you 30 days prior to applying the change accordingly in the event of any such modifications. You hereby authorize the Company to debit your Finance account for any such charges. For more details about the fees, please visit our website j-b.com.sa.

6. Online Financing services or mobile financing services shall be available for such financing services. Online services or Mobile Services shall be available to the customer 24/7. While we will make reasonable efforts to provide Mobile Financing services and Online Financing services available 24 hours, 7 days a week, we will not be liable for any failure to provide either, in part or full, for any cause that is beyond our control. This includes but is not limited to, any suspension of either resulting from maintenance and upgrades to our systems or the systems of any party used to provide both, other disruptions to our systems, outage, etc. and in the case of Mobile Financing services, the disruption on any phone network or in the case of where you are not in an area of mobile coverage. In the event the Company has advance knowledge of any interruption of service, it will use its reasonable commercial efforts to inform the client in advance.

7. The Company may, at its sole discretion, compensate the Customer for the Customer's loss in the event of disruption of service. Any compensation provided by the Company will be limited to the actual, direct and identifiable loss suffered by the customer.

Part B: Passwords, Instructions and E-mail

8. Use: You must use your User ID and Password to access Services. You may also be required to input a specific authentication code.

9. Passwords: For further protection, you should choose a password consisting of letters, numbers, and not choose a password that can be guessed easily. Avoid the use of letters and numbers in a row. You agree to keep your Passwords confidential and access to the devices that provide authentication codes restricted; they are for your use alone. You will not tell anyone else (including a close family member, a friend or any bank or public official) what your Passwords are. You must carefully select your Passwords so that they cannot be easily guessed by anyone else. When choosing Passwords, you must not use:

• Your name or a close relative's name

• Your birth date, year of birth, telephone number or address, or a close relative's

• Your Bank Card number or User ID

• Your Account number or credit card number

• A number on any ID card you keep with your Bank Card or in your purse or wallet (such as your ID or driver's license number)

• Any other number which can be easily obtained or guessed by someone else, or

• A password you use for any other service

You should memorize your Passwords rather than keep any written record of them. However, if you decide that you truly need to keep a written record, you agree that:

• You will not record your Password on, or in close proximity to, your Bank Card or the record of your User ID.

• Your Password must be disguised within the written record you make so that no one else can easily guess that it is a record of your Password.

• You will not record your Password on your electronic device in any way, and you will not store your Password near your Electronic Device (for example, on a sticky note placed on the edge of your monitor screen or keypad).

10. When entering your User ID and Password into an electronic device, you must take reasonable precautions such as ensuring that no one can see your computer screen or keypad on your Electronic Device. If your User ID is lost or stolen, or you suspect that someone else knows any of your Passwords or is using your User ID, you must notify us by telephone or in person as soon as possible and follow the instructions that we give you. To report a lost or stolen User ID, you must contact Saudi Fransi for Finance Leasing at 800-118-2222. Subject to any other agreement you have with us, we will not be liable for any loss if you have not given Saudi Fransi for Finance Leasing notice as required by this Section. If you suspect that someone else knows any of your Passwords, you must change all of your Passwords immediately.

11. Responsibility for Losses: You are responsible for any losses that result from your own use of your User ID and Passwords. You are also responsible for any Losses that result if:

• You make an entry error when using any of the Services;

• You claim that an Account or Service was accessed by someone else but you do not co-operate fully in an investigation by us or the authorities; or

• Someone else uses your User ID without your authority but your actions (or inaction) contribute to that unauthorized use.

You acknowledge that the amount of Losses for which you may be held liable is not limited to the personal finances, Auto leasing or any other information including drivers' authorizations for leased vehicles.

12. Instructions: You acknowledge that each instruction that you provide to us is final. You agree that we may rely on your instructions (including your electronic acceptance of this Agreement and other online agreements) as if you had provided us with a paper copy of them. You agree that you will be liable for the transactions that are conducted on your Instructions, and any losses that may arise from these transactions. You agree that we may maintain a record of your instructions, and, if you provide instructions by telephone, that we may record your voice or responses. Our records of your instructions will be binding on you in a dispute, including any legal proceedings, unless you provide clear proof that our records are wrong or incomplete.

13. E-mail: E-mail sent over the Internet is not secure and may be lost, intercepted, or altered. Except where another written agreement between us says otherwise, you agree that we are under no obligation to accept or act on any instructions you provide to us by e-mail. If you send us confidential information by e-mail, we will not be liable if it is lost or intercepted, altered, or misused by someone else. We strongly urge you not to send or request confidential information to us using email accounts.

14. Use an Anti-Virus Program, Anti-Spyware Program and Firewall; Signing Off: The electronic device you use may be vulnerable to viruses or online attacks that seek to intercept sensitive information that you provide through the Internet. To reduce the chances of harm, you should ensure that any electronic device you use to access Services has an up-to-date anti-virus program, anti-spyware program and a firewall, if such security measures are available for your electronic device. To prevent unauthorized access to your accounts, you must sign off from the services and close your browser as soon as you finish using them.

15. The Bank guarantees not to disclose your information and to maintain the confidentiality of personal information.

Part C: Provisions for Online Banking Only

16. Intellectual Property Rights: All information and tools we provide online or via mobile are proprietary to us. You agree not to use the information or tools except for your own personal use.

17. Access to Websites; Mobile Application — No Streaming of Information: You agree that you will not use Services or our Website for an illegal or improper purpose, or take steps that would have a negative impact on the security, integrity or functioning of our systems.

18. Mobile Phone: You acknowledge that access to Services through mobile phones/applications may not have all of the features, functionality, information or content available through the Website.

19. When you wish to terminate your Online Finance Services or Mobile Finance Services, temporarily or permanently, you shall inform the Company to take the necessary actions.

20. Saudi Fransi for Finance Leasing has the right to block Online or Mobile Finance services access for you in any suspicious fraud case. The Bank will inform the customer and advise on how to continue using the service.

21. The customer has the right to raise a complaint regarding the service provided.

22. The complaint can be raised through the Company's Customer Care unit.

Part D: Provisions for Business Use

23. Application of this Agreement to Business Use: The remainder of this agreement will apply if Services are used by or on behalf of a business. In such a case, “You” and “your” will mean both the business and you as an individual business user, wherever these terms are used throughout this Agreement. Each provision of this Agreement will apply to both the business and to you as an individual business user unless the language of the provision refers only to the business.

24. Access to Business Accounts and Services: By designating a person as a business user, the business is authorizing that person to view information about the business and, if online transactions are permitted through the service, to carry out online transactions on behalf of the business. The business accepts responsibility for all losses that may arise from a business user misusing his or her authority in any way, either purportedly on the business' behalf or for personal or other purposes. The business and individual business user will ensure that the business user meets any eligibility or other requirements, regulatory or otherwise, for online access that are communicated by us.

25. Use of User ID: The business is responsible for ensuring that each User ID will be used only by the individual business user that was authorized by the business and to whom we issued the User ID.

26. Different Levels of Access: At the request of the business, we may provide different levels of access to different categories of business users. For example, one category of business user may be able to view account information only, and another category of business user may be able to view information and conduct transactions. If this is the case, a business user's ability to use Services will be limited by the level of access that we provide to him. It is the responsibility of the business to ensure that the level of access we provide to a particular business user is appropriate for that person.

27. Authorized Use/Entry Errors: The business accepts responsibility for all losses that result if a business user uses the User ID or Password, whether with or without the business' specific authorization in any particular instance; a business user authorizes anyone else to use a User ID or Password; or a business user makes entry errors.

28. Indemnity by Business: The business agrees to indemnify and save us harmless from and against all losses that we may incur (other than due to our own gross negligence or misconduct), including legal fees and disbursements reasonably incurred by us, arising from a breach by you of any part of this Agreement, or from our acting or declining to act upon any instruction or information given to us in accordance with this Agreement. This indemnity is in addition to any other indemnity or assurance against loss that the business may provide to us, and will survive any termination of this Agreement.

29. Passwords, Anti-Virus Program, Anti-Spyware Program and Firewall: The business will ensure that each business user follows the duties mentioned above in this Agreement, including the duty to carefully choose a Password, the duty to keep Passwords secret, and the duty to change passwords and notify us if the business user suspects that someone else knows a Password or User ID. In addition, the business will ensure that each electronic device that a business user uses to access Services on behalf of the business has an up-to-date anti-virus program, anti-spyware program and a firewall.

30. Termination by Business: You may terminate this Agreement (and cease accessing Services) at any time upon notice to us, effective a reasonable time after we receive the notice.

Part E: e-Statement

31. All information related to your Finances and installment transactions is available on JB Finance Mobile.

32. You agree that the e-Statement on JB Finance Mobile replaces the physical statement.

Part F: Mailing Address

33. You agree that the Company retrieves your mailing/national address from Saudi Post Systems.

Part G: National ID and Resident ID Details

34. You agree to inquire about your ID through government services and update our systems accordingly.

Part H: SIMAH Inquiries

35. You agree to provide Saudi Fransi for Finance Leasing with any information that it requires for establishing and/or auditing and/or administering your Finances and facilities therewith, and you authorize it to obtain and collect any information as it deems necessary or in need regarding you, your Finances and facilities therewith, from the Saudi Credit Bureau (SIMAH), and to disclose and share (inclusive of Data Pooling) that information to the said company (SIMAH) in accordance with the membership agreement and code of conduct approved, or to any other agency approved by the Saudi Central Bank.

Part I: Electronic Know Your Customer

You confirm and authorize the Company:

36. To use your National ID information to authenticate your identity through government services such as Absher, ELM, SIMAH and/or any other governmental services.

37. J-B may verify and process your information through integrations with authorized entities, including government authorities, service providers, and credit information companies, for purposes such as identity verification, eligibility assessment, fraud prevention, measuring customer satisfaction, and service delivery.

38. To save all details retrieved from government electronic services into the Company's systems.

39. To use all details retrieved from government electronic services by the Company for any purpose in connection with the provided financing services. All details will be secured and will not be shared with other parties.

40. To inform the Company in case of any changes to any of the provided information within [30] days.

41. The provided mobile number is owned by you and is correct and true. This number will be considered as one of the authentication methods.

Part J: Individuals Tax Residency Self Certification (FATCA Declaration)

42. You certify that the tax residency information of any countries outside the Kingdom of Saudi Arabia provided is correct and complete.

43. You acknowledge and authorize that the information contained through branches regarding the customer may be provided to the tax authorities of the country/jurisdiction in which this information is maintained, and exchanged with tax authorities of another country/jurisdiction or countries/jurisdictions in which the customer may be tax resident, pursuant to intergovernmental agreements to exchange financial account information.

44. You undertake to inform the Company within 30 days of any change in circumstances which affects the tax residency status of the Account Holder, or where information contained therein becomes incorrect or incomplete.

Part M: Liability, Warranties and Withdrawal of Access

45. Please refer to the legal section of our website.