Terms of Services

Investing in startups is associated with high risks and may result in the complete loss of your investment. You should not invest money that you cannot afford to lose, and in the event of a loss, it is limited to the amount invested only. Investing through Share Finance is a long-term investment and is suitable for long-term investors. Investment opportunities are currently intended for people residing in the Kingdom of Saudi Arabia. The user must read this agreement carefully as it explains the details of the service provided by Hessa Finance and specifies the obligations and rights between Hessa Finance and the user. It is prohibited to use the platform if you do not understand and understand all the articles of the agreement. This is the agreement to use the Hessa Capital platform https://hessacapital.sa/ and all its sub-pages and for all contractual relationships between Hessa Capital Company.

The “Terms and Conditions of Use of the Hessa Financial Company Platform” are an agreement between the company and the user, signed for the purposes of regulating the process of using the platform, and stating the rights and obligations of the parties when utilizing the platform’s services. In a way that preserves the rights of each of them, the user must read, understand, assimilate and review this agreement from time to time, and the user has agreed to all the provisions contained in this agreement immediately after registering on the platform.

The phrases and terms mentioned in this clause, wherever they appear in this agreement, will have the meanings indicated next to each of them, unless the context requires otherwise.

1. Agreement: Terms and conditions for using the Hessa Financial Company platform.

2. Hessa Finance: Hessa Finance Company with commercial registration number (0000) dated 00/00/1400 AH, headquartered in Riyadh.

3. User: The natural or legal person who benefits from the services of the Hessa Financial Platform.

4. The Platform: It is the electronic platform of Hessa Financial Company, which provides services through the website for issuing and investing in debt instruments to establishments requesting financing.

5. Wallet: An electronic financial account created for the purpose of investing in the platform.

6. User account: is the account that the user creates to benefit from the platform’s services.

7. Password: means symbols and numbers through which the user's account can be accessed.

8. Data: means any data or information provided by the user as a result of his registration on the platform, including the ID number, national address, bank account information, and credit information.

9. Issuer insolvency risk: This is the risk that the partner - the company - becomes insolvent and this leads to the bankruptcy of the sukuk holders and a total loss.

10. Volatility risk: Misconduct of employees or members that directly or indirectly results in insolvency.

11. The risk of not distributing the investment: It is the investor not achieving any diversification in the investment portfolio, and it can be avoided by distributing the investment amounts among multiple companies.

12. Difficulty in exiting: These are special circumstances for the possibility of exiting and there is no secondary market for trading sukuks at this moment.

13. Related parties: They are the company’s directors, members of its board of directors, employees, representatives, agents, or any of their family members.

14. Financing applicant: The natural or legal person who benefits from the financing provided by crowdfunding companies through the issuance of debt instruments, which results in investment deals for investors to own and purchase debt instruments through the platform.

15. Conflict of interest: means the conflict of any private interests of any of the relevant parties, which affects their decision-making without impartiality or objectivity, which harms the interests of the company and users, or when they receive offers of investment opportunities because of their position in the company.

16. Anti-Cybercrime Law: Issued by Royal Decree No. (M/17) in 1428 AH.

17. Anti-Money Laundering System: Issued by Royal Decree No. (M/20) in 1439 AH.

18. Kingdom: Kingdom of Saudi Arabia.

19. Crowdfunding companies: These are companies that review financing opportunities by linking with the Hessa Financial platform

20. Company: The company requesting financing through crowdfunding platforms

1. It is an online platform that enables users to access offers made by crowdfunding companies and companies listed on the platform by issuing and investing in debt instruments, and investing in them on the basis of an investment agreement. For this purpose, companies publish their information through the platform.

2. In the case of investment by users, Share Finance does not become a contracting party itself, and the investment is concluded only between the users and the investee company.

3. The issuing company that invites users to submit their offers based on the Sukuk issuance campaign must provide information regarding the collective investment on the Hessah Financial platform.

4. Share Finance does not bear responsibility for the reliability of the data provided by the issuing company.

5. Hessa Finance seeks to constantly develop its services, which may sometimes require canceling the service temporarily or permanently.

6. The use of the platform is valid within the Kingdom of Saudi Arabia only.

Hessa Financial Company is the operator and provider of the Hessa Financial platform, and the service provided is subject to the following Hessa Financial terms that must be applied in the version in effect at the time of user registration.

1. You must register as a user in some sections of Share Finance.

2. The user enters into an employment contract with Hessa Financial Company once he registers.

3. Hessa Finance sometimes verifies the user using the “Yaqeen” service provided by “Elm”.

4. The user must have sufficient qualifications and ability to contract.

5. Minors may not register.

6. Hessa Finance may open a supplementary wallet at the request of the user for use by persons under eighteen years of age.

7. The person requesting to open the supplementary wallet bears full responsibility for using the supplementary wallet, and Hessa Finance considers it part of the user’s wallet account.

8. The user of the supplementary wallet can deposit or withdraw funds from the investment wallet.

9. All data required by individuals or establishments must be submitted to Hassa Finance during the registration process, and the user bears full responsibility if he enters incorrect data during the registration process or any stage of using the wallet services.

10. The User must provide any additional information to verify his or her identity or to prove the reliability of any financing instrument that the User registers for use with Hassa Finance.

11. Hessa Finance or a third party it contracts with may carry out all investigations it deems necessary to verify the information provided to Hessa Finance, including but not limited to: examining commercial databases or credit reports.

12. Share Finance does not guarantee what happens during user identity verification procedures.

13. The user must correct his data immediately if it changes or is entered incompletely or incorrectly.

14. The user must ensure that the password is confidential.

15. You must immediately report unauthorized use of your password or user account to Share Finance.

16. The account may not be used by anyone other than the user, whether that person is natural or legal.

17. The User Agreement is binding on both parties by clicking on the confirmation link sent via email to the User or agreeing to the terms and conditions during registration

18. The term of the User Agreement is not limited to a specific time.

19. Hessa Finance or the user has the right to terminate the user agreement at any time without prior notice, for example: deleting the user account.

20. All limitations of liability and indemnities in this Agreement shall apply even after termination of this User Agreement.

This agreement regulates the terms and conditions of using the platform, and the introduction and definitions clause are an integral part of this agreement.

The provisions of this agreement are binding on the user immediately upon his registration on the platform, and the company may amend its provisions according to the company’s absolute discretion, provided that the effect of the amendment takes effect after notifying the user of it. The use of the platform by the user is considered approval of any amendments that may occur to this agreement and any other agreement related to the use of the platform. or investment in the Platform, including the Investment Terms and Conditions Agreement.

This agreement is of indefinite duration, and its provisions regarding liability and compensation apply even after the user’s account is cancelled, regardless of the method or duration of such cancellation, in a manner that does not contravene the laws and regulations followed in the Kingdom.

1. The user must fill out the forms on the Hessa Financial platform and click on the “Invest” button at the end of the form.

2. The User acknowledges that he has accepted the investment in the issuing company and in accordance with its terms.

3. The minimum investment amount for the round agreed with the issuing company must be reached in advance for the investment agreement to be effective.

4. A written contract may be concluded in addition to the above procedure.

5. The User is bound by the Investment Agreement without any requirement to conclude a separate Investment Agreement.

6. The company is committed to the specified period for displaying investments on the Hessa Financial platform.

7. Hessa Finance is committed to providing all contracting parties with the necessary data to communicate with the other party.

8. Hessa Finance is committed to sending all documents electronically through the user’s email.

9. The user is responsible for all documents sent by him in electronic or physical form.

1. Hessa Finance does not bear any losses or damages resulting from the user’s use of the platform or any other damages incurred by the user on the platform unless the damage results from negligence or negligence on the part of Hessa Finance. In all cases, Hessa Finance’s liability must not exceed the legal limits considered in estimating the liability of the perpetrator. Damage in accordance with the applicable legal texts. -.

2. In all other cases, the parties shall not be liable for any damages of any kind regardless of the subject of the claim, including liability for contract.

3. In the event that the investment agency agreement is invalidated, the user's potential claims against the financial share resulting from this fact are limited to the recovery of the investment amount only.

4. Hessa Finance does not bear any additional responsibility for what was mentioned above, including the following cases: characteristics of the services, damages due according to the product liability limits, or damages resulting from loss of life, bodily injury, or damage to health.

5. Liability includes Hessa Finance employees, direct agents and other third parties used by Hessa Finance to fulfill the contract.

6. Finance Hessa does not guarantee any information provided by the finance applicant, Finance Hessa is not considered a guarantor, and the investment opportunities presented on the platform are not a recommendation to invest in them.

1. The user must be aware that investing in startups and companies issued through a financial share has high risks and may lead to complete loss. The higher the expected rate of return from the investment, the greater the risk of loss.

2. The user must be aware that the investment is long-term, by evaluating the opportunities, the total risk of loss, the risk of insolvency, the risk of fluctuation, the risk of not distributing the investment, the difficulty of exiting, the risks associated with investment activities, obligations or predictions about future performance.

3. Hessa Finance is committed to its role on the platform, and does not provide consulting business services.

4. Exporting companies are committed to the accuracy of the data provided, and the Finance Ministry disclaims any responsibility for the reliability of the data.

5. Share Finance does not guarantee the future prospects for successful development provided by the issuing companies, and the user undertakes all investment decisions independently and bears any future risks.

6. The user alone has the choice whether to invest in the offered company or not.

7. The User must familiarize himself with all regulatory, economic and tax consequences related to the investment before investing and during the holding period.

All terms and conditions apply once the user registers and chooses to use the investment account services provided by Hessah Finance.

It is not permissible to use the investment account services or accept this agreement in the following cases:

1. If the user does not have the legal capacity required to contract.

2. If the user is prohibited from using investment account services under the regulations of the Kingdom of Saudi Arabia.

1. The user must review the articles of the agreement and amendments thereto through the website from time to time.

2. The user must accept the terms of the agreement in order to use the investment account services by clicking on the “Register,” “Password Recovery,” or “Log In” button on the site.

3. The agreement shall be in the Arabic language, and in the event of a difference between the Arabic language and any other language, the Arabic language texts shall govern.

4. This Agreement applies to the use of the Investment Account Services and the Investment Account’s investment features to deposit funds, investment value, invest in instruments, and withdraw and redeem funds in the Investment Account.

It is an electronic financial account, whereby the user acknowledges that it is not a bank account and does not provide banking services other than those stipulated in the agreement in Article 12.

The wallet account provides the following services:

1. Subscription to bonds issued on the platform.

2. Withdrawing the balance to the user’s bank account registered on the platform.

3. Feeding the account so that the user can invest in issuing companies.

Hessa Finance may provide new services from time to time without notifying the user in advance, and Hessa Finance will send a copy of the agreement that is amended through the website.

1. The user acknowledges that Hessa Finance will stop providing him with the services stipulated in the agreement at any time without referring to him. The user may also stop using the services at any time without the need to inform Hessa Finance of this.

2. Hasa Finance may impose limits on the use of the Wallet Services or ongoing transactions without prior notice, including but not limited to: individual or aggregate transaction limits on the value or number of financial transactions during any given period of time and account replenishment limits.

3. Hessa Finance may also restrict access to the wallet to certain amounts or for specific periods of time that we deem necessary in order to protect us or other users in the following cases:

4. If the financial share is exposed to financial risks.

5. If the User violates this Agreement.

6. If a dispute arises related to the wallet account or the transactions conducted in connection with it.

7. If necessary to protect the security of Hassa Financial systems.

8. Hessa Finance may also restrict the user’s access to the wallet account during any investigations or settlements of any existing disputes.

9. The Finance Department may seize the funds in the wallet account pursuant to regulations, a judicial order, or a request from a governmental entity or executive authority.

10. The Finance Department may reject any withdrawal request from the wallet account.

11. The User has the right to use the amounts appearing in the available balance for investments and transfer funds from the Wallet Account to the User's personal account.

12. The User may not use the Wallet for any purposes other than those stipulated in this Agreement.

Hessa Finance reserves the right to impose acceptable terms of use regarding account operation and the provision of wallet services, including prohibiting the actions of certain categories of financial transactions. The wallet may not be used in the following cases:

1. Illegal purposes such as fraud, deception, and fraud.

2. Money laundering operations.

3. Terrorist financing operations.

4. Other illegal or irregular acts in the Kingdom of Saudi Arabia.

5. If the user conducts or attempts any illegal or illegal transaction, the Financial Stake will take legal action against the user as stipulated in the cybercrime regulations, the anti-money laundering system, and other relevant regulations. The Financial Stake also has the right to compensation for misuse of the account by the user.

1. Share Finance is not responsible for the funds until they are received.

2. Funds are credited on the business day they are received, and if funds are received after the service interruption time, the funds are considered to have arrived on the next business day.

3. The user must reconcile incoming funds with his records on a regular basis.

4. Hassa Finance reserves the right to cancel any financial transaction if the person, bank or payment service provider who paid it has canceled or is likely to cancel the payment from the Wallet Account.

1. Approval to carry out any financial transaction means authorization to carry out that transaction.

2. The user agrees to authorize Hessa Finance to conduct any transaction by following the instructions that appear on the screen when using the site or using one of the tools provided by Hessa Finance to the user.

3. The user must notify the financial share by sending financial payments to others.

4. Funds are sent to the user's bank account, debit card or credit card registered in the user's name.

5. Payment instructions must be sent through Hessa Finance website only, and the user bears all responsibility for the validity, completeness and accuracy of the instructions that the user directs to Hessa Finance regarding the beneficiary of the service.

6. The user must provide Hessa Finance with the correct data about the beneficiary of the financial payment. The user bears all responsibility if he enters incorrect data, and Hessa Finance does not bear any loss that the user is exposed to.

7. Finance Share may do its best to recover user payments, and Finance Share has the right to collect fees from the user for what it incurs as a result of recovering those amounts.

8. The user must provide Hessa Finance with all additional information it requests regarding any payment within two business days from the date of the request.

9. The user agrees that Hessa Finance will include the user’s full name, address, account number, and all other data necessary to enable Hessa Finance to implement anti-money laundering procedures within the financial payment data that must be sent to the bank of the beneficiary party or the payment services provider in compliance with the anti-money laundering system.

10. If the Financial Share receives financial transaction instructions by the time of the service interruption on any business day, then those instructions will be considered received on the same business day. However, if the instructions are received after the time of the service interruption or on any day other than a business day, then those instructions will be considered received on the next business day. .

11. The user must inform Hessa Finance as soon as possible of any financial transaction that took place without the user’s permission or was carried out incorrectly or illegally. Hessa Finance does not bear any responsibility for any of those financial transactions in any case.

12. The Finance Department may reject any financial information for certain reasons. The Finance Department is obligated to explain the reasons for the rejection and methods for correcting the error in the financial transaction data. The Finance Department has the right to collect a cover fee for the expenses it incurred during that. The Finance Department is not obligated to process the payment if that is illegal or Irregular.

The user must pay all fees to use the platform services, and all fees are paid either directly to Hessa Finance or entities affiliated with Hessa Finance or through the website of the service provider. The company will inform the user of the applicable fees from time to time, and Hessa Finance decides those fees at its own discretion.

The Finance Department may change its fees at any time, and the fees are estimated according to the value of the transactions, including all applicable fees - for example: taxes and others - and all electronic funds, wages and payments collected or paid through the service are evaluated in Saudi riyals.

The user acknowledges that the financial share is authorized to open credit or debit entries in the wallet account to correct that error in any transaction.

The provisions of this agreement shall commence from the date of user registration, password reset, or user login and use of Hessa Financial Services, whichever is earlier.

1. The User may terminate this Agreement at any time by contacting us and closing the Wallet Account.

2. Hessa Finance may terminate or suspend the wallet services for any reason and at any time after notifying the user in advance.

Hessa Finance may suspend the service or block access to the user’s account in the following cases:

1. If the user violates the provisions of this agreement.

2. If Hessa Financial knows conclusively or likely that the user of Hessa Financial services will be exposed to illegal or irregular credit or fraudulent risks.

3. If it becomes clear to the Finance Ministry that the user provided misleading, false, incomplete or incorrect data or that the user was involved in fraud or illegal behavior.

4. If Hessa Finance has security concerns regarding the Wallet Account including credentials.

5. If Hessa Finance suspects that unauthorized or fraudulent activity has occurred on the Wallet Account or for payment data in the Wallet Account.

6. The purposes of developing the platform or the products offered therein, whether this procedure has been previously announced on the platform or not.

7. When the user neglects his account on the platform and does not use it for a period determined by the company.

In these cases, Hessa Finance will suspend the account and inform the user of the reasons for rejection, if possible. Hessa Finance does not bear responsibility for the actual or potential damages that may be caused to the user by canceling or suspending the user’s account.

The user has no right to keep any content on the platform after canceling or suspending his account on the platform.

1. After terminating the agreement, the financial share will return, upon the user’s request, the full amount of money remaining in the wallet account.

2. The User may request that Hessa Finance receive his funds in cash by transferring them to the User's bank account.

3. Hessa Finance is not obligated to return these amounts at a specific time, but it is keen to return these amounts within a reasonable period of receipt of the transfer request.

4. Hessa Finance does its best to return those amounts to the user’s wallet account in the method he chose, knowing that Hessa Finance does not acknowledge commitment to the method chosen by the user.

Hessa Financial uses User Personal Data in the manner described in the Privacy Notice and as set forth in this Agreement.

1. This agreement is subject to the applicable regulatory provisions regarding the protection of users’ personal data, the protection of their credit information, and the preservation of its confidentiality.

2. Finance Share has the right to collect, process and store data as it deems in the interest of users, in accordance with the applicable regulatory texts.

3. For the purposes of investing in the platform, Hessa Finance may share data with other parties legally authorized to process, retain and study the data, in light of the applicable regulatory texts.

4. Hessa Finance is committed to taking all necessary and possible measures that are considered by custom and regulation to protect data from tampering and tampering, and to protect data from loss, damage, or access by unauthorized persons.

5. The user is committed to maintaining the confidentiality of the information he obtains through the platform, and the user bears responsibility for any leakage of that information, or its use in a way that causes damage to the financial share.

6. The user is obligated to notify Hessa Finance of anything that suggests the occurrence of a leak, damage, or damage to information related to everything related to Hessa Finance’s work on the platform.

The user acknowledges that he agrees to the information that Hessa Finance collects, how it is used, and the circumstances under which it is disclosed, so the user must review the privacy notice periodically. The user must use the platform for the purposes for which it was intended. The contents of the platform are owned exclusively by the company, and the user’s use of it does not make the user the owner of any of the contents of the platform, and his use of it must be in light of the applicable regulatory texts. The user may not modify, publish or sell any of the contents of the platform or the materials provided on the platform, nor may the user use any information he has obtained from the platform for any reasons other than those stated in this agreement.

The User acknowledges and warrants to the following:

1. That he is eligible to register for and use the Wallet Services, and that he has the right, authority, capacity and capacity to enter into and execute this Agreement and to grant the rights, licenses and permissions granted by the Financial Share to the User under this Agreement.

2. The name he specified when registering is his name or the trade name registered with the Ministry of Commerce.

3. He will not use the wallet on behalf of any natural or legal person.

4. It adheres to all applicable regulations and regulations in the Kingdom of Saudi Arabia.

5. He will not use the Wallet Services in any fraudulent enterprise or in any way that disrupts the use of the Wallet Services.

6. It is not subject to or included on any list of prohibited or restricted parties and is not owned or controlled by any such party, including but not limited to: lists maintained by the United Nations Security Council and the US government (such as the list of designated nationals). In particular, the US Department of the Treasury's Foreign Sanctions Evaders List and the US Department of Commerce's Entity List) and the European Union, member states, or other applicable governmental authorities.

7. Neither Hessa Finance nor its affiliated entities provide any representation or warranty regarding any of the following:

1. The User's use of the Wallet Services and other payment services will meet the User's requirements.

2. That the user’s use of the wallet services and other payment services will be uninterrupted, on time, or in a safe and error-free manner.

3. All information you obtain as a result of your use of the Wallet Services will be accurate and reliable.

8. These conditions, warranties or other provisions shall apply only as expressly stated in this Agreement.

This agreement shall not be construed to exclude or limit Sharesa Financial's liability for losses that may not be excluded or limited under applicable regulations.

Neither Hessa Finance nor its affiliated entities shall bear responsibility in the following cases:

• Loss of profits.

• Loss of business.

• Loss of revenue.

• Loss of the entire investment amount.

• Data loss.

• Indirect losses or consequential losses.

The user pledges to indemnify Hessa Finance - and all employees, directors, agents and representatives working for Hessa Finance - and to absolve it and all entities affiliated with Hessa Finance, from all claims, costs, lawsuits, cases and requests that arise from any claim, suit, audit, investigation, investigation or any legal action instituted by Any person or entity for a reason relating to:

1. Any actual or alleged breach of User's representations, warranties or obligations in this Agreement.

2. Any actual or alleged infringement, false statement or violation of the rights of third parties by the User or his trademarks used in connection with the Service while using the Wallet Services.

3. User's use of wallet services.

4. Any transaction submitted by the User via the Wallet Services.

1. Protecting the interests of Hessa Financial Company, its electronic crowdfunding platform, and the issuers and investors dealing with it by regulating potential and actual conflicts of interest between the company, members of the board of directors, company employees, and shareholders, and between issuers and investors.

2. Establishing the company's concepts, values and principles of integrity, teamwork, caring, initiative and achievement.

3. Promoting and protecting these values, in order to avoid the personal, family or professional interest of any person working in the company affecting the performance of his duties towards the company or towards those dealing with it.

4. Avoiding the influence of the personal, family, or professional interest of any person working in the Finance Department on the performance of his duties towards the Finance Department or towards those dealing with him.

The terms and conditions of this agreement are subject to and interpreted in accordance with the regulatory texts in force in the Kingdom, including the rules, regulations and instructions of the Capital Market Authority. Any dispute that arises between the user and the company regarding the interpretation or implementation of this agreement or any of its provisions shall be resolved amicably. If this is not possible, it shall be resolved by resorting to the competent judicial authorities in the Kingdom, in the city of Riyadh.

An actual or potential conflict of interest occurs in the following cases:

1. When a private interest of a member of the company’s board of directors or any of its employees or shareholders conflicts with the general interest of the company or in a way that may affect the interests of issuers or investors dealing with the platform in the context of the company’s business related to crowdfunding.

2. When a member of the Board of Directors or employees of the company makes decisions or has interests that prevent them from performing their duties objectively and effectively.

3. When any Board member, company employee, or member of their family receives personal checks for their position in the company.

1. Own shares in any resource hosted by the platform.

2. Paying sums to any person who refers or introduces a new source in order to host it on the platform, or receiving payments in any form, including obtaining shares in the source in exchange for referring it or introducing it to the platform.

3. Serve on the board of directors of an issuer hosted by the platform or in any independent body that provides due diligence, evaluation or advisory services to the issuer.

4. Hold a position in a source hosted by the platform or in any independent entity that provides due diligence, evaluation or advisory services to the source.

5. The Company or any of its employees owns a controlling interest in any independent entity that provides due diligence, evaluation or advisory services to the issuer.

If any of the above conflicts arise, they must be resolved and handled as follows:

1. The company related to the conflict situation shall disclose to the company the actual or potential conflict situation, and the impact of that situation on transactions affecting the public, before adopting any investment opportunity and presenting it on the platform.

2. The company's disclosure to the public through the company's website about the actual or potential conflict situation, and the impact of that situation on any transactions affecting the public.

1. Review this policy and adhere to its provisions, appendices and any updates thereto.

2. Not to exploit his position to achieve private interests, and to carry out the work and obligations incurred by him towards the company independently and free of any actual or potential conflict between the company’s interests and his personal interests, and to always put the company’s interests ahead of any other interest in accordance with the requirements of this policy.

3. Avoid conflicts of interest as much as possible, and adhere to methods for dealing with them if they occur.

4. Not to misuse the company’s assets, facilities and property.

5. Maintaining the confidentiality of non-public or confidential information and not disclosing or exploiting it to achieve personal interests.

6. Refrain from exploiting - directly or indirectly - his relationship with the company or the investment opportunities presented to it to achieve any personal interests or gains.

Hessa Capital gives the highest priority to data protection, and the data protection policy explains: the types of information that Hessa Capital collects from users of our website (the Internet), the actions that Hessa Capital takes regarding this information, and how to access the information available through Hessa Capital’s website ( The website), noting that the data protection policy may change from time to time, so the user must review the website from time to time.

If you visit the Hessa Finance website without logging in as a user, Hessa Finance collects the following information:

1. Network servers (servers) belonging to financial share.

2. The domain name that is used to access the Internet.

3. The name of the user's Internet service provider.

4. Previous and next location of the user.

Note that this information collected is not for the purpose of identifying the individual, but rather is used for the purpose of statistics and improving the attractiveness of the site, its content, and the functions of the Hessa Financial website, and Hessa Financial is committed to all laws and regulations related to data protection.

1. The user gives full consent to Hessa Capital when he stores the data in his personal file, and authorizes Hessa Capital to use this data and make it available to the listed companies in which the user has pledged to invest, and to make that data available to the payment service providers of the listed companies or Hessa Capital in order to pay the amounts due to users. of the user's investments, including, for example: first name, last name, email address, telephone number, permanent residence - with city, postal code and country - personal identification number, gender, date of birth, nationality, investment amount, bank account number (IBAN) and banking information (BIC).

2. The Privacy Policy and Cookies Policy are an integral part of this Agreement.

The user may be asked for data necessary to provide services and information:

1. Log in, and provide Sokouk with information about the user or its affiliated company, such as name, job title, email address, and other information. In this case, this site will not be browsed in anonymous browser mode.

2. Requesting an investment or using some of the services available through the website, and providing additional information such as the name, address, and details of the bank with which the user deals.

3. Request information about the user when writing comments or participating in surveys (questionnaires).

Hessa Financial, its subsidiaries, and service providers are committed to the confidentiality of the information, and it will not be available to third parties in any form or by persons who receive instructions from Hessa Financial, except with the express consent of the user.

Hessa Finance uses cookies for the following:

1. In order for the site to be easier and better to use and to enable the arrangement and configuration of products and services according to the requirements of the company’s interest and needs.

2. To collect anonymous user statistics to allow Hessa Financial to understand how visitors use the site and help Hessa Financial to improve its structure and content, noting that the user cannot be personally identified through this information, and the user may not use the features of cookies.

When the user provides Hessa Capital with information, Hessa Capital uses this information to provide products and services, and sometimes shares the user’s information with Hessa Capital’s affiliates, and uses it to communicate with the user.

Hessa Financial retains personal data as long as it is necessary to implement the service that the user has requested or that the user has authorized.

Hessa Finance takes all technical and organizational security measures to protect available information from tampering and tampering, and to protect it from loss, damage, or access by unauthorized persons. Security measures are constantly reviewed and revised to keep pace with the latest technologies.

The User has the right to obtain information about all stored personal data, receive, review, review and, if necessary, modify or erase.

1. No credit card, debit card or personally identifiable information will be used; For the purpose of selling, sharing, or renting it to any other party.

2. The Kingdom of Saudi Arabia is the company's headquarters.

3. The website will not deal or provide any services or products to any of the countries subject to OFAC sanctions, in accordance with the regulations of the Kingdom of Saudi Arabia.

4. Payment is accepted online using credit or debit card in Saudi Riyals.

5. Refunds will only be made through the original payment method.

6. Any dispute or claim arising out of or in connection with this website shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia.