1. As used herein: (a) “Bank” means The Saudi National Bank(SNB); (b) “Customer” means a person or entity in whose name an account has been opened with the Bank; (c) “User” is a person authorized by a Customer (and accepted by the Bank) to have electronic access to the Customer’s accounts; (d) “Electronic Banking” means access by a Customer or User (by the use of computer, telephone or other similar electronic device) to the Customer’s account information, banking services, and to any other information made available by the Bank; (e) “Internet Banking” means access to the Electronic Banking service by a Customer or User by the use of a computer (via modem, browser and an Internet service provider “ISP”). (f) “VAT” means any value added tax or similar additional tax chargeable under the laws and regulations of the Kingdom of Saudi Arabia for the time being and any similar additional tax (In general, Any words and expressions which have a defined meaning in any VAT laws and regulations enact within the Kingdom of Saudi Arabia shall have the same meaning as in that VAT laws and regulations); (g) “VAT Regulation” means the VAT Law enacted by virtue of the Royal Decree No. (M / 113) dated 2/11/1438H and its implementing regulations issued by GAZAT and as amended from time to time, and in general, any law or regulation imposing or relating to the imposition or administration of a value added tax on goods and services in the Kingdom of Saudi Arabia and any implementing regulation made under the relevant regulation or law; (h) “VAT–Exclusive Consideration” for the avoidance of any doubt and notwithstanding the definition of “consideration ”in the VAT Regulation, and unless otherwise expressly stated in this Agreement, profit margin, prices or other sums payable or amounts to be provided for under or in accordance with this Agreement are exclusive of any VAT. Furthermore; all amounts exclude tax that would be imposed in the future (including VAT). Upon implementation of the VAT, SNB will be entitled to recover from the Customer any VAT that SNB is required by law to collect; (i) “GAZT” means the General Authority of Zakat & Tax.
2. Electronic Banking shall be available for such banking services as the Bank may, from time to time and in its sole discretion, determine. With respect to investment services, the provision of related Electronic Banking services to the Customer shall constitute neither an offer nor a solicitation to the Customer to invest in any investment fund or avail of any investment service.
3. The Customer authorizes the Bank:
(a) to act on all Electronic Banking instructions received from the Customer or User; (b) to respond to any Electronic Banking inquiry by the Customer or User; and (c) to debit the Customer’s account for any financial transactions processed through Electronic Banking / Internet Banking; and (d) directly and without recourse to the Customer, debit any fees or charges due to the Bank or paid by the Bank on his behalf to any other entity; and (e) authorize a third party to execute transactions on behalf of the Customer . The Customer acknowledges that his attention has been drawn by the Bank and that he has taken notice of the current limitations of technology and the limitations and restrictions on the use of Electronic Banking (including Internet Banking), and that continuing and uninterrupted availability of Electronic Banking services depends on the application of technology and restrictions on use. The Customer hereby releases and discharges the Bank from any and all responsibility in the event that the Customer is unable to use the service for any reason whatsoever.
4. The Customer shall be charged such fees (for enrolment in, and maintenance and utilization of, the various Electronic Banking services) as the Bank may prescribe from time to time. The Bank reserves the right to modify such fees at any time, and shall notify the Customer accordingly in the event of any such modifications. The Customer hereby authorizes the Bank to debit any of the Customer’s accounts with the Bank (or such specific account as the Customer may, from time to time, specify in writing) for any such charges.
5. The Bank reserves the right to refuse, for any reason whatsoever: (a) to provide Electronic Banking service to a Customer or User; and (b) any Electronic Banking instructions or inquiries received from a Customer or User.
6. The Customer shall exercise all possible care to ensure that only the Customer and authorized Users have access to the Customer’s Electronic Banking facilities. The Customer shall be fully responsible for ensuring that he and such authorized Users do not disclose their User identification and security password to any other person or to the Bank, any of its offices and branches, or any of the Bank’s officers and employees. Consequently, the Customer agrees that the Bank, its branches or offices, and its officers or employees, shall not be liable for any claim, loss, expense, delay, cost or damage arising from or in connection with any instruction, request, inquiry or transaction made or effected by means of Electronic Banking where any User identification or password has been or is purported to have been used by unauthorized persons. If any User identification or password becomes known to any third party, the Customer or User shall be obliged to immediately notify the Bank and confirm such notice in writing. The Customer shall be solely responsible:

(a) for all instructions and inquiries acted upon and all transactions effected by the Bank in respect of such compromised identification or password until written notification has been duly received and has been acknowledged by the Bank; and (b) for keeping secure and confidential all of the Customer’s account information, instructions and transactions, and any other information which are accessed, downloaded to, or stored on, any computer, telephone, smartphone or any other electronic device. The Customer further confirms, in case of use by the Customer of Internet facilities to access the Bank’s Electronic Banking services, that he assumes full and sole responsibility for any consequences of any unauthorized use or misuse by any party whomsoever of such Internet facility which results, directly or indirectly, in any loss or damage to the Customer or to the Bank.
7. The Customer agrees to provide details of Users and each of the services they may each access by Electronic Banking only on the standard form provided by the Bank for such specific purpose. The Bank will act on instructions to register, amend or cancel the types or extent of services to be made available to a User only if received on the correct prescribed form and signed by the
8. Any computer, telephone, or electronic device provided by the Bank to the Customer shall, at all times, remain the property of the Bank and will be surrendered to the Bank immediately upon the request of the Bank and in the same condition in which such devices were received by the Customer.
9. The Customer acknowledges and agrees that the Customer does not and will not own any proprietary (including copyright or intellectual property rights) in any software, screens or documentation supplied by the Bank for Electronic Banking, or in any enhancements thereto. The Customer will not make (or allow Users and others to make): (a) any copies of or modifications in the software, screen/s or documentation supplied by the Bank; or (b) any download or transfer of Electronic Banking software from any computer, telephone, smartphone or other electronic device to any computer, telephone, smartphone or other electronic device
10. The Customer may cancel his registration or any of his users at any time by giving a written notice thereof to the Bank. The Bank may, at its discretion, cancel the registration of any Customer or User at any time without need of prior notice. Cancellation shall not affect a Customer’s liabilities for any instructions issued, any transactions effected or any Electronic Banking service already in process at the date of such cancellation. Whereas access to Digital Channels will be automatically disabled after three unsuccessful consecutive attempts are made by entering wrong username and password combinations or after 90 days of unsuccessful login.
11. The Bank shall not be liable for any loss, damage, cost, or expense whatsoever suffered or incurred by the Customer as a result of any breach of these Terms and Conditions.
12. The Customer shall be solely responsible for any and all telecommunications (including PTT charges) costs, ISP costs and any other costs and charges related to the Customer’s use of the Internet to access the Bank’s Electronic Banking service.
13. The Customer authorizes the Bank to send notices and communications related to the Internet Banking service via e-mail and facsimile. The Customer shall take all necessary precautions to ensure confidentiality of such messages received by the Customer through e-mail and facsimile, and assumes sole responsibility for any breach thereof.
14. Whenever the Bank’s toll-free number (Help Desk) is utilized by the Customer, the Customer, by such use, thereby authorizes the Bank to voice-record all such communications / instructions (including, without limitation, instructions to add beneficiaries) and accepts such recordings as evidence thereof.
15. No failure by the Bank to exercise and no delay in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any rights, power or privilege preclude any other or further exercise thereof. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.
16. The Bank reserves the right to amend these Terms and Conditions at any time. The Customer will be notified accordingly. Continued use of Electronic Banking services thereafter by a Customer or User constitutes acceptance by the Customer of such amendments. Any variation by the Customer of these Terms and Conditions must be agreed to in advance by the Bank in writing.
17. These Terms and Conditions supplement (and shall be subject to the respective terms and conditions and/or agreements which the Customer has executed or may hereafter execute) governing each of the Customer’s accounts which the Customer accesses through the Electronic Banking service.
These Terms and Conditions shall be governed by and construed in accordance with the laws and regulations of the Kingdom of Saudi Arabia. The parties hereto irrevocably submit to the exclusive jurisdiction of the Committee for Settlement of Banking Disputes in case of any dispute arising in connection herewith.
19. With respect to investment accounts through Internet and SMS services, you can benefit from SNB Mobile service that allows you to subscribe, redeem and switch among Investment Funds. Also, it offers you the opportunity to open a new investment account, and subscribe in an investment portfolio that you have not yet subscribed therein, directly through SNB Mobile without the need for visiting the branch.
20. Additional alternative distribution channels may be introduced later such as AlAhliSMS (or any other alternative to, channel) that will provide subscription, redemption of Investment Funds, and switching among Investment Funds through the Mobile. Prior to subscription in any alternative distribution channels, Funds' terms and conditions should be read carefully and agreed to them to which will be referred thereto in case of any disputes arise. Moreover, the investor should be aware that he will be fully responsible for understanding and awareness of obligations and use features of alternative distribution channels to complete his investment transactions. Besides, the Bank or the Manager or the Fund shall not be considered responsible for any transaction made wrongly, or the inability to approach the service due to communications cut off.
21. With regards to the investment accounts conducted online or/and by text messaging services. You may benefit from the AlAhliOnline service which allows you to apply, withdraw and transfer between the funds. This also grants you the possibility of opening a new investment account and applying to a new investment fund which you are not subscribed to, directly though the AlAhliOnline channels without the need to visit a branch.
22. All Terms and Conditions، or /and the Agreements and its Annexes and documents signed between the two parties shall apply in regards of any bank product or/and service.
23. The Saudi National Bank(SNB) will use regular procedures for the local transfer of funds. In no case SNB shall be liable for any damage or loss resulting from any error, delay or any other reasons caused by circumstances beyond the control of SNB.
24. In case the client requested a local transfer refund of transfer amount, the request will be permitted only in case where payment has not been made to the beneficiary for any reason, and the transfer amount has been returned back to SNB.
25. SNB maintains the right according to its absolute discretion to refuse or stop or cancel any transfer, and the client shall not have any recourse to SNB with any complaint or claim or liability whatsoever.
26. SNB will use regular procedures for the international transfer of funds. It is understood that SNB will have sole discretion to use any correspondent banks or agents on behalf of the client " remitter " to effect the transfer. In no case SNB or its correspondent bank / agent shall be liable for any damage or loss resulting from any error, omission or delay caused by circumstances beyond the control of SNB or its correspondent bank or agent. Correspondent bank can use any agent to carry out the transfer. SNB will not in any way be responsible for any damage or loss that may result from fault or negligence or any act of omission committed by the correspondent bank or its agents or by whichever carrying out the transfer on behalf of SNB.
27. In case the client requested an international transfer refund of transfer amount, the request will be permitted only in case where payment has not been made to the beneficiary for any reason, and the transfer amount has been returned back to SNB by SNB's correspondent.
In case the transfer has been returned because of incorrect or incomplete Information on this application, SNB shall be entitled to charge the remitter with any expenses as determined by SNB. Refund of the transfer will be made after converting the amount from the currency of the transfer to the currency of the client’s account based on the buying exchange rate prevailing at SNB on same day of the refund and after deducting all fees and expenses due to both SNB and the correspondent bank.
28. The client acknowledges his knowledge and awareness that the rules in the kingdom of Saudi Arabia prevent transfers of funds unless the beneficiary is known to the client or there is a legal relationship between both of them or there is a legitimate purpose for the transfer.
29. If SNB asks the remitter for any information relating to his international remittance, such information should be submitted within 5 business days’ maximum. In the absence of any response from the remitter's side, SNB will not be responsible for returning any amount to the remitter which had been seized by any other local or international third parties. In this regard, the remitter shall not be entitled to claim for compensation or have any recourse to SNB with any complaint or claim or liability whatsoever.
30.The bank shall not be responsible for any transaction or transfer which the costumer has filed in wrong data for the beneficiary. The Bank is entitled to stop or suspend any transaction or transfer that the bank sees it as unlawful or suspicious without any responsibility on the bank part and without any notice to be sent by the bank.

• The customer acknowledges and agrees that the international swift system is applicable to all international remittances executed through the Bank’s alternative channels or branches. Therefore, the correspondent bank and beneficiary bank fees will be deducted from the customer’s account and deposited to the beneficiary’s account.

• In case of international cancellation of a remittance, the Bank shall bear no liability to pay any fees or exchange rate applied to the remittance after deducting the amount from the customer’s account or if the remittance is recalled, as the price is calculated according to Reuters Exchange Rates.

31. The Customer hereby unconditionally and non-revocable acknowledges and authorizes SNB to convert and / or photograph, scan any and all paper documents signed by the client or by his attorney to electronic files immediately even if they are very old documents, without any limitations.
32.The Instant Payments System “sarie” will provide the customer with local transfers at a certain limit without the need to add or activate a beneficiary using the following options:
• IBAN Number

• ID Number (National ID – Residence Number – Commercial Registration Number/Unified National Number)

• Mobile Number

• E-mail

The customer should change the Instant Payments System “sarie” limit to be able to benefit from the service. The limit entered by the customer shall not exceed the maximum amount allowed by the Bank as mentioned via the electronic channels.
To benefit from the Instant Payments System “sarie”, the customer must subscribe to the service by linking the number (National ID – Residence Number - Commercial Registration Number/Unified National Number) or Mobile Number or e-mail, to the current account to Instant Payments from other banks. The customer acknowledges and agrees to receive Instant Payments through all banks participating in the service once the service is activated through one of the electronic channels.
33. In the event of default by the cardholder to settle any amounts payable on his/her credit card on time, such default shall be reflected in the cardholder’s record with SIMA, which is may be shared by all banks operating in the Kingdom. In this case, the Bank shall be entitled to add the cardholder to the C-List, which may result in the cardholder being unable to obtain any funding or credit facilities from any bank in the Kingdom.
34. The cardholder shall not be removed from the C-List before all amount payable to the Bank are settled in full, in which event, the card holder’s record shall be updated accordingly. However, such update shall not necessarily mean that the cardholder is removed from the C-List.
35. Obtaining and disclosing client’s information (SIMA):
The customer acknowledges that the Bank shall have the right to obtain, disclose, discuss any information with the Saudi Credit Information Company “SIMA” or any other third party the Bank may consider appropriate.
36. Acknowledgment of Electronic Documents Validity:
Each of the parties to these Terms and Conditions agrees that documents related to their dealings with the Bank shall be stored in electronic records or files, or in any other internationally recognized technological devices, including but not limited to microfilm, and that such electronic documents may be used as valid evidence and proof in arbitration and all courts, committees, government and non-government agencies operating in the Kingdom and abroad, and that neither of them shall have the right to contest such documents as testimony, even if some application of the Saudi Electronic Transaction Law are not yet applied.
37. Passwords: For further protection, the Customer should choose a password consisting of letters, numbers, and not choose a password which can be guessed easily, avoid the use of letters and numbers in a row. The Customer agrees to keep his passwords absolutely confidential and access to the devices that provide restricted authentication codes which are for his use alone. The Customer shall not disclose his username or his password to anyone (including close family member, friends, or any bank or public official).
38. Digital Channel services shall be available to the customer around the clock 24/7; however, the Bank shall not be liable for any failure to provide either, in part or fully, for any cause that is beyond its control. In the event the Bank has advance knowledge of any interruption of service, it shall use its reasonable commercial efforts to inform the client in advance. The Bank 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 Bank will be limited to the actual, direct and identifiable loss suffered by the Customer.
39. The customer can use the notification services related to SNB Mobile, which sends to the customer his executed financial transactions regarding all of his accounts and credit cards and any amounts dues, as well as offers and marketing campaigns.
40. The customer can request additional banking products by using Digital Channels after reviewing and accepting the terms and conditions of the product to be requested and after confirming the request by using one of the methods approved by the bank such as, but not limited to, “opening an additional account" and “credit card services”.
41. The customer can use Digital Channels to add a beneficiary for the purpose of money transfers, which requires the customer to activate the beneficiary through the use of another channel, including calling AlAhliPhone (920001000), by receiving an automated call back from the Bank, or using ATMs of the Bank or any other channel that meets the conditions set by the Bank.
42. The customer confirms his/her identity at each login process on Digital Channels through Multi-Factor Authentication standard. The customer will be required to use the tools approved by the Bank which cover the security requirements and regulatory requirements adopted by the Bank and SAMA, such as but not limited to "AlAhliToken" and "Biometric Authentication".
43. Using Fingerprint ID to access SNB Mobile Application; the Customer undertakes that all the registered fingerprints on his mobile device are of his own. The customer is allowed to link a maximum of two devices to access his account. The customer shall not be able to link more than one user on the same device.
44. The customer can use the self-service kiosks available at the branches of the bank by requesting a new or a replacement debit card or any services that may be added by the bank in the future.
45. “Smart Payment Plan” Program for AlAhli Credit Cards terms and conditions:
• Customers can only use their existing credit limit to obtain Smart Payment Plan. No extra credit is offered with this facility.

• If the customer is on 5% payment method, he/she must submit the Smart Payment Plan request before the due date of the requested transaction. Else, customer must submit the Smart Payment Plan request 4 days before the statement.
• The minimum amount for installment is SR 1,000 per purchase.
• The maximum amount for installment is 100,000 per purchase, or 4 plans totaling SR 100,000 based on individual credit limit.
• All installment plans must be paid in full before a customer can change products.
• There is a maximum of 4 installment plans per account.
• Cash Advance is not valid for use in any installment plan.
• In the event that the payment method chosen is 100% deduction your installment plan will be changed to a minimum payment schedule.
• The customer is not in titled to cancel the installment plans at any time during the installment period.
• In case the Bank approves the early settlement request for installment plans, the customer must pay the remaining amount in addition to the profit margin.
• The Bank reserves the right to reject any request for installment option without giving reasons and the Bank will not be liable for nay claim arising from rejection.
• In the case of a merchant installment plan, the merchant is solely responsible for all obligations and liabilities in connection with the supply of goods/services or any defect or damage.
• Any dispute pertaining to a purchase or the provision of any goods or services lay with the merchant:
1. The Customer must resolve such disputes directly with the merchant.
2. The liability of the Customer and his obligation to make payment info the Bank shall not be affected by any such disputes.
3. The Bank is not responsible for the investigation of or the resolution of any such dispute.
• The Bank reserves the right without any liability to cancel or suspend the installment option program at any time.
• In case of a credit card upgrade, all transaction on the old credit card will be transferred to the new credit card including the installment plan.
46. The Bank is committed to protecting the rights and information of the Customer by following the following list of principles:
•  Deal fairly and honestly in every interaction.
• Being transparent and provide the Customer with the information required about its products and services that are easy to access and understand.
•  Make the Customer aware of the financial risks and opportunities that apply to a product or service before the Customer buys it.
• Work in a professional manner for the benefit and protection of the Customer’s financial interests.
• Monitor and protect the financial assets of the Customer against fraud.
• Protect the Customer financial and personal information and ensure it is not disclosed to third parties.
• The Bank shall give the Customer an easy access to file a complaint through mechanisms that are affordable, accountable, timely and efficient as per SAMA guidelines.
47. The customer should consider the following points when using Digital Channels:

• The Bank never sends SMS asking its customers to disclose any confidential information such as account numbers, security numbers of ATMs or log in passwords.
• Always make sure that the web address starts with (https) and that the security symbol (the lock) exists.
• The Customer will never be asked by the Bank employees to provide Digital Channels username or password. If a person asks to provide such information, then he is not representing the Bank, and the Customer should not share any information with that person and notify the Bank immediately.
• The Customer should not log into AlAhliOnline from Internet cafés, libraries or public places.
• Our official website address is: www.alahli.com. Only use the link www.alahlionline.com for online banking and do not use any other links or SNB Mobile Official Application for mobile banking.
48. Where VAT is applicable, the Profit Margin/Charges/Fees or amounts to be provided for under or in accordance with this Agreement are stated exclusive of VAT, which shall be added at the prevailing applicable rate on the date hereof or as amended in the future whether by increase or decrease and charged to the Customer.
49. Notwithstanding the sub-clause 41 above and if, for whatsoever reason and whether for specific transaction or in general within applying the terms and conditions of this Agreement, the Bank has made any or all of the Charges/Fees or amounts to be provided inclusive of VAT, the Bank shall provide an account statement (if any) the following month which will provide a breakdown of the applicable VAT amount and its rate at the prevailing rate as applicable and charged to the Customer.
50. In case of discrepancy or conflict between the Arabic version and the English version, the Arabic text shall prevail.
51. All the above shall constitutes the bank's terms and conditions. When accepted via internet, no modification, alteration, amendment, omission or deletion of any part thereof is allowed to be made by the customer. Should any change therein be affected by the customer, the customer acknowledges and confirms that such changes shall be automatically null and void and shall not be binding on, or enforceable against, the bank. Should any such changed terms and conditions be sent by the customer to the bank in hard copy, receipt thereof by the bank shall not constitute acceptance by the bank under any circumstances, and the bank shall not be obliged to notify the customer of rejection.
52. We will safeguard, according to strict standards of security and confidentiality, any information, which our customers share with us.
53. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
Positioning and Location Data Policy:
All location-based services establish location through the use of satellite, mobile or other network. These technologies may involve exchanging your location data with The National commercial bank system that used by The National commercial bank to use our location based services and features for example: to locate our nearest branches or to receive our location based camping. Your location data will not be used to identify your entity without your approval.
Digital Wallet Terms and Conditions of Service
1. Introduction
The Digital Wallet is a Mobile Payment Application service, your use of the Digital Wallet is subject to these Terms of Service ("Terms").
If there is any conflict between the Arabic language version of the Terms and a version translated into another language, the Arabic version language text shall prevail.
Your use of Digital Wallet requires that you agree to the following terms. Please read them carefully and approve
2. General Description of Digital Wallet 
Digital Wallet is a mobile app that allows you to transact using your issued virtual card number representing a debit, prepaid or credit card you register on the Mobile Wallet application (a "Virtual Card Number"). Virtual Card Numbers will be specified and differ based on whether the app is used within the Kingdom or internationally. Your bank cards will be digitally replicated on smart phone devices to enable you to do payment transactions. 
Virtual Card Numbers, (collectively, "Payment Instrument") may be added to the Mobile Wallet in future where the range of uses can vary from participating merchants or transit locations, using an eligible mobile device (which may include an eligible NFC wearables device) and either the Mobile Wallet that resides on your mobile device.
3. Using Digital Wallet
 (a) Basic Use Requirements. To use Digital Wallet Application at POS devices with contactless capability, E commerce and for Apple Pay, you will need an eligible debit card /prepaid card or a credit card / credit prepaid card issued by the Saudi National Bank (referred to as SNB bank  or the  bank ), provided that the device meets the Service's system and compatibility requirements, which may change from time to time; working Internet access (It’s not necessary required in some cases); and compatible software. Your ability to use Digital Wallet and its performance may be affected by these factors and any other factors related to use. Ensuring the requirements to start using the app are met is your responsibility as a user. 
(b) Getting Started. You may set up Digital Wallet using the application that is already downloaded on your mobile device, After you have provided the requested information and attempted to add a Payment Instrument, will check both whether if your Payment Instrument is currently supported and whether the card itself is eligible to be used with the application without the liability of SNB bank in the case of non-compatibility or the use of application , when adding it you will be required to confirm your identity using the mobile number registered at SNB bank in addition to any other conditions specified by SNB bank and/or any supervisory authority.
Once you have done so and successfully added the Payment Instrument, Digital Wallet will store Virtual Card Number(s) representing your payment card's actual card number. This Virtual Card Number will be used for all in-store payment and E-Commerce transactions using Digital Wallet without any liability to SNB bank. Where your card supports multiple schemes there will be one Virtual Card Number associated with each scheme. The appearance of this Virtual Card Number will vary in any printed receipts collected by the mobile owner based on the agreements and technical specifications of the service referred to earlier in this document. 
(c) Usage. Your use of Digital Wallet Application with a given Payment Instrument is governed by these Terms as well the applicable terms and privacy policy of SNB bank in general or from the issuer of your Payment Instrument. In the event of any inconsistency between these Terms and your issuer's terms, these Terms will govern the relationship between you and Saudi National Bank with respect to Digital Wallet, however, other usages will be governed by the Terms of Payment Instrument issued by SNB Bank. 
By registering in this service, you acknowledge that you permit the completion of the sale through Digital Wallet and that you authorize the bank to receive information from your Payment Instrument's issuer to display richly formatted transaction details and your recent transaction history in the application. You agree not to use Digital Wallet for unlawful or fraudulent purposes, or otherwise in violation of applicable law and regulation. You agree not to directly or indirectly interfere with, disrupt, or otherwise misuse including any of its related servers, networks, or other infrastructure. You agree that you are completely responsible of the actions made using your mobile device of which Digital Wallet Application is downloaded to. Liability is extended as well to any misuse results in harming Saudi National Bank or any related payment systems, and partnering payment schemes. You agree that Digital Wallet is for your personal use, with your own prepaid, credit or debit cards, or third-party accounts once available into the wallet potentially. If you use Digital Wallet with an eligible corporate card, you agree that you are doing so with your employer's authorization and with the ability to bind your employer to these Terms in your own responsibility. You agree that by using debit, prepaid or credit cards through Digital Wallet Application, Consumer Device Cardholder Verification Method (CDCVM) would replace your card PIN code for the sake of verifying your identity to do the payment transaction. CDCVMs would hence include the ones accepted by the Operating System such as but not limited to face recognition, finger prints, and patterns and so on. It is your absolute responsibility as a mobile owner to keep these credentials safe from unauthorized users to avoid fraudulent activities on your bank account. Neither Saudi National Bank, nor its members, or affiliate are responsible of unauthorized payment scenarios made through Digital Wallet by parties other than the original account owner / card holder / mobile owner. 
A debit, prepaid or credit card may be removed or deactivated from Digital Wallet  Application on a given device and/ or become unusable with the Service for example but not limited to and without the responsibility of the bank  if: (1) you delete it from Digital Wallet Application ; (2) you remove it as a payment method from your issuing bank; (3) you erase your mobile device using Device Manager; (4) you delete Digital Wallet Application; (5) you do not use Digital Wallet on the device for 24 consecutive months; and/or (6) your Payment Instrument's issuer or payment network instructs SNB to remove the Payment Instrument from Digital Wallet ; (7) your identity document is expired (8) Conduct suspicious transactions or consider money laundering or fraud without reference to you and without any responsibility on the bank
You agree by using Digital Wallet for your purchases in the limit of the permitted operations and/ or Mada   Atheer   service In your purchases - if any -, Saudi National Bank reserves the right to amend these limits without prior declaration.
The Digital Wallet Privacy Policy describes how we treat personal information when you use the Application through your mobile phone. Digital Wallet Application is offered to the Saudi National Bank cardholders and your use of it is subject to the Bank Privacy Policy. 
Your use of Digital Wallet is governed by the Saudi National Banks Terms of Service, which describes in more detail the Services covered by this Privacy Notice. Capitalized terms are not defined in this Digital Wallet Privacy Notice shall have the meaning ascribed to them in the Digital Wallet Terms of Service.
Information we collect
In addition to the information listed in the Saudi National Bank Privacy Policy we may also collect the following:
• Registration information - When you sign up for Digital Wallet Application, you are creating an association between a Digital Wallet platform and your Bank Account. Depending on the application services you use, in addition to the information listed in your card Issuer Privacy Policy, you may be asked to provide the following information: Credit or Debit card number and card expiration date, Card Security code, address, phone number, government-issued identification number. In some cases, we may also ask you to send us additional information or to answer additional questions to help verify your information.
• Transaction information - When you use Digital Wallet to conduct a transaction, we may collect information about the transaction, including but not limited to: Date, time and amount of the transaction, the merchant's location and description, a description provided by the seller of the goods or services purchased, the names of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction, and the offer associated with the transaction, if any.
How we use the information we collect
We use the information you provide to us in order to provide you with Digital Wallet Application for customer service purposes, and to protect you from fraud, phishing or other misconduct. Such information may also be used to assist third parties in the provision of products or services that you request from them. We also use the information to review your activities to determine whether you continue to meet the terms of the service, to make decisions about your future Digital Wallet Application transactions, and for other legitimate business needs related to the transactions initiated by you.
By accepting the Terms and Condition you authorize the bank to store Your registration information that is in an association within your Digital Wallet and your registration of a payment method will be stored on bank servers. In addition, certain data elements may also be stored on your mobile device. We may retain the information you provide for extended periods of time for the purpose of complying with legal process and regulatory obligations.

Information we share
We will only share your personal information in the following circumstances:
• As necessary to process your transaction and maintain your account.
• To complete your registration for a service provided by a third party.
• To inform a third party merchant, whose site or app you visit, whether you have a Digital Wallet account that can be used for making payment to that merchant.
• In case any governmental authorities request any information under Saudi court order. 
For example, when you make a purchase or transaction, we make certain personal information about you available to the merchant you purchase from or transact with. 
When you visit a participating merchant site or app, the merchant may check whether you have Digital Wallet with an eligible form of payment that can be used to pay the merchant, in order to reduce the likelihood that you will see unusable features on sites or apps. 
Any information you provide directly to a third party merchant website or application is not covered by this privacy notice. We are not responsible for the privacy or security practices of merchants or other third parties with whom you choose to share your personal information directly. We encourage you to review the privacy policies of any third party to whom you choose to share your personal information directly.
We will not share your personal information with anyone not related to SNB bank except as described in this privacy notice. As explained above, Digital Wallet is a product offered to eligible Saudi National Bank Cardholders.
Information security
The security of your Digital Wallet depends on you keeping your password(s), PINs, and other access information confidential. If you share your private information including the mobile device itself with a third party, he or she may have access to your bank account and your personal information. Unauthorized payment transactions could result. 
It is your responsibility to control access to your mobile device and the Digital Wallet Application on your device, including keeping your password(s) and/or PIN confidential and not sharing it with anyone. It is also your responsibility to immediately alert the bank in writing if you believe that the security of the information in the Digital Wallet or your card details have been compromised. Keeping your bank card details safe is your responsibility to avoid transactions that are not authorized by you as the genuine cardholder. When you do a transaction you acknowledge that you are the authentic user of the mobile device that is being used and digitized card within the wallet. And with your consent, you release and discharge SNB from any abuses and / or misuse or theft of your mobile phone and / or violation of its privacy and / or theft or leaking of the secret code and / or any other reason unrelated to the bank may result in any harm to you and not entitled In this regard, the Bank shall not be liable in any event of interruption of service for any reason beyond its control and / or in the event of Force Majeure 
Important notes:
• For more information, please refer to your bank terms and Privacy Policy of the digital cards provisioned in Digital Wallet since these are not covered in these terms.
• For disputes relating to payment transactions conducted using Digital Wallet, contact the Saudi National Bank and follow the appropriate merchant procedures adopted for claim submissions according to Saudi laws. It is agreed that the competent judicial authorities and judicial committees within the Kingdom of Saudi Arabia shall have the jurisdiction in the event of any dispute.

You agree and accept all of the above