{"id":9838,"date":"2025-06-24T14:45:05","date_gmt":"2025-06-24T11:45:05","guid":{"rendered":"https:\/\/flooss.sa\/?page_id=9838"},"modified":"2025-07-07T12:22:57","modified_gmt":"2025-07-07T09:22:57","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/flooss.sa\/en\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t
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Terms and Conditions of Use<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Al-An Al-Khaligia for Consumer Microfinance (FLOOSS)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tCompany Information<\/strong>\n
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      • Company Name: <\/strong> Al-An Al-Khaligia for Consumer Microfinance (FLOOSS)<\/li>\n \t
      • Company Type: <\/strong> Joint-stock company<\/li>\n \t
      • Country: <\/strong> Kingdom of Saudi Arabia<\/li>\n \t
      • Commercial Registration Number: <\/strong> 1010865347<\/li>\n \t
      • Unified National Number: <\/strong> 7032513272<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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        \n\t\t\t\t\t\t\t\t\t1. Introduction<\/strong>\n\nThese Terms and Conditions (“Terms”) define the rules and framework governing the use of services provided by Al-An Al-Khaligia for Consumer Microfinance (FLOOSS)<\/strong> through its official platform, FLOOSS by Al-An Al-Khaligia for Consumer Microfinance<\/strong>. By registering and using the Services, you confirm your acceptance of these Terms. If you do not agree, you should not proceed with using the Services.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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        \n\t\t\t\t\t\t\t\t\t2. Definitions<\/strong>\n Key terms used throughout this document:\n
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            • Customer: <\/strong> A registered user who meets the product\u2019s eligibility requirements <\/li>\n\n
            • FLOOSS: <\/strong> is the main platfrom owned by Al-An Al-Khaligia for Consumer Microfinance <\/strong><\/li>\n\n
            • Account: <\/strong> The Customer’s profile within the FLOOSS platform<\/li>\n\n
            • KYC: <\/strong> Know Your Customer \u2013 verification in line with SAMA regulations<\/li>\n\n
            • SAMA: <\/strong> Saudi Central Bank<\/li>\n\n
            • SIMAH: <\/strong> Saudi Credit Bureau<\/li>\n\n
            • OTP: <\/strong> One-Time Password via Absher for identity verification<\/li>\n\n
            • Tawarruq: <\/strong> Islamic finance structure used for financing<\/li>\n\n
            • PIN Code: <\/strong> 6-digit code for secure app access<\/li>\n\n
            • EMI: <\/strong> Equated Monthly Installments for repayment<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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              \n\t\t\t\t\t\t\t\t\t3. Product Overview<\/strong>\n\nConsumer Microfinance <\/strong> is a Shariah-compliant, unsecured financing product designed by Al-An Al-Khaligia for Consumer Microfinance (FLOOSS).<\/strong> The product targets both Saudi nationals and expatriates employed in the public, semi-government, and private sectors.\n\nKey Product Features:<\/strong>\n
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                  • Finance Amount:<\/strong> SAR 3,000 to SAR 25,000<\/li>\n \t
                  • Tenure:<\/strong> 1 to 24 months (equal monthly installments)<\/li>\n \t
                  • Structure:<\/strong> Shariah-compliant (Tawarruq)<\/li>\n \t
                  • Profit Rate (APR): <\/strong> Ranges between 35% and 50%, based on customer profile<\/li>\n \t
                  • Processing Fee: <\/strong> Up to 1% of finance amount, capped at SAR 5,000<\/li>\n \t
                  • Late Fees: <\/strong> Not charged, in line with Shariah guidelines<\/li>\n \t
                  • Refinancing: <\/strong> Allowed only after 20% of the original finance is repaid<\/li>\n \t
                  • Deferment: <\/strong> Maximum two deferments during loan term upon approval<\/li>\n \t
                  • Cancellation: <\/strong> Allowed within 10 business days if no disbursement occurred<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                    \n\t\t\t\t\t\t\t\t\t4. Eligibility Criteria<\/strong>\n\nTo qualify for the Consumer Microfinance product, a Customer must meet the following:\n
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                        • Nationality: <\/strong>Saudi nationals or legal expatriates with valid Iqama<\/li>\n \t
                        • Age: <\/strong>Minimum 21 years; maximum age at maturity: 60 years<\/li>\n \t
                        • Income: <\/strong>Minimum gross monthly income: SAR 4,000<\/li>\n \t
                        • Employment: <\/strong>Public, semi-government, or private sector only<\/li>\n \t
                        • Tenure for Expats: <\/strong>Minimum 3 months employment duration<\/li>\n \t
                        • Credit History: <\/strong>Must not be delinquent in recent credit history (specific DPB rules apply)<\/li>\n \t
                        • Disposable Income: <\/strong>Must be positive after expenses and existing liabilities<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                          \n\t\t\t\t\t\t\t\t\t5. Registration and Verification Process<\/strong> \n\n
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                              • Registration requires completion of KYC procedures via official platforms such as Absher, GOSI, SIMAH, Yakeen, and the National Address <\/li>\n\n \t
                              • All data is verified through government-integrated APIs<\/li>\n \t
                              • Customers must set a secure PIN code and validate OTP for login<\/li>\n \t
                              • Documentation is digital; physical submission is not required<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                \n\t\t\t\t\t\t\t\t\t6. Use of Services<\/strong>\n
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                                    • Services are limited to residents of Saudi Arabia<\/li>\n\n \t
                                    • Applications are processed digitally with no manual exceptions<\/li>\n\n \t
                                    • Customers must ensure accurate entry of data during onboarding<\/li>\n\n \t
                                    • Disbursements occur only after promissory note confirmation and identity verification<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                      7. Customer Responsibilities<\/strong><\/p>

                                          • Maintain security of the account and PIN<\/li>
                                          • Immediately report lost access or suspicious activity<\/li>
                                          • Use the app legally and ethically in line with SAMA regulations<\/li>
                                          • Provide correct and updated employment, contact, and banking details<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                            8. Fees and Charges<\/strong><\/p>

                                                • All applicable fees are shown before confirmation in the app<\/li>
                                                • Processing fee:<\/strong> up to 1% of the finance amount or SAR 5,000, whichever is lower<\/li>
                                                • No late fees<\/strong> apply under any condition<\/li>
                                                • Early settlement incurs a profit margin of up to 3 months<\/li>
                                                • Any fee waiver must be approved by the CEO or CRO<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                  9. Credit Evaluation<\/strong><\/p>

                                                      • Creditworthiness is assessed via SIMAH, salary certificates, and disposable income modeling<\/li>
                                                      • Debt Burden Ratio (DBR) is calculated as per SAMA’s responsible financing guidelines<\/li>
                                                      • If DBR exceeds limits, the application is auto-declined<\/li>
                                                      • Existing obligations and credit behavior are used in real-time to determine eligibility<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                        10. Documentation and Storage<\/strong><\/p>

                                                            • All transaction logs, API records, contracts, and promissory notes are digitally stored for a period of 10 years<\/li>
                                                            • Promissory notes are signed electronically through Nafith and Emdah platforms<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                              11. Account Termination and Death<\/strong><\/p>

                                                                  • Customers can request account closure after full settlement<\/li>
                                                                  • In the event of death, remaining obligations are waived unless excluded under SAMA rules<\/li>
                                                                  • Documentation must be submitted for heir claims<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                                    12. Amendments<\/strong><\/p>

                                                                        • Al-An Al-Khaligia for Consumer Microfinance (FLOOSS) may amend these Terms at any time<\/li>
                                                                        • Customers will receive at least 30 business days\u2019 notice<\/li>
                                                                        • Continued use indicates acceptance. Objections must be submitted in writing within 10 days<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                                          \n\t\t\t\t\t\t\t\t\t13. Governing Law<\/strong>\n\nThese Terms are governed by the laws of the Kingdom of Saudi Arabia.\nDisputes are subject to resolution in the competent courts of Kingdom of Saudi Arabia\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                                          \n\t\t\t\t\t\t\t\t\t14. Customer Declaration and Consent<\/strong> \nBy using FLOOSS by Al-An Al-Khaligia for Consumer Microfinance, the Customer confirms: \n
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                                                                          • Understanding and agreement with all Terms<\/li>\n \t
                                                                          • Authorization for the Company to retrieve data from official platforms<\/li>\n \t
                                                                          • Acceptance of data usage for regulatory, credit evaluation, and optional marketing<\/li>\n \t
                                                                          • Agreement that electronic approvals and notes are binding<\/li>\n \t
                                                                          • Compliance with Shariah principles throughout the financing lifecycle<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                                            14. \u0625\u0642\u0631\u0627\u0631 \u0648\u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0639\u0645\u064a\u0644<\/strong>
                                                                            \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642 FLOOSS \u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u0622\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u0627\u0644\u0645\u0635\u063a\u0631\u060c \u0641\u0625\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u064a\u0642\u0631 \u0628\u0640: <\/p>

                                                                            • \u0642\u0631\u0627\u0621\u062a\u0647 \u0648\u0641\u0647\u0645\u0647 \u0648\u0645\u0648\u0627\u0641\u0642\u062a\u0647 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637<\/li>
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                                                                            • \u0627\u0644\u0633\u0645\u0627\u062d \u0628\u0645\u0634\u0627\u0631\u0643\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062d\u062f\u062f\u0629 \u0645\u0639 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0631\u064a\u0643\u0629 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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