Terms and Conditions for Using KIB Mubader’s Services and Website

Introduction

KIB Mubader welcomes you to its online platform. By using our services, you fully agree to the terms and conditions outlined below. We strongly recommend that you read them carefully.

Definitions

1.     “Company” refers to KIB Mubader, a company operating in accordance with Islamic Shariah principles.

2.     “Customer” or “User” refers to any person who registers on the website or purchases any product or service offered on it.

3.     “Products” refer to all goods and services provided by the company through its online platform.

4.     “Subscriptions” refer to the paid services offered on the website for a specified period.

5.     “Financial Transactions” refer to all payment and collection transactions carried out through the platform.

Scope of Services

1.     The company offers digital products and services such as consultations, subscriptions, training services, advertising campaign management, and more.

2.     The customer acknowledges that using the services constitutes an electronic contract subject to these terms and conditions.

3.     All services and financial transactions comply with Islamic Shariah principles and regulations, as per the policies of the Central Bank of Kuwait and the Shariah Supervisory Board.

Registration and Membership

1.     Individuals under the age of 18 are not allowed to register or use the services unless they have parental or guardian approval.

2.     Upon registration, users must provide accurate and up-to-date information. The user is responsible for any incorrect data.

3.     The company reserves the right to suspend or cancel accounts that violate the terms or provide misleading information.

Payment and Fees

1.     Payments must be made through the company’s approved electronic payment methods. Cash payments are not accepted.

2.     All displayed prices are final and do not include additional government taxes unless explicitly stated otherwise.

3.     If a user fails to make a payment on time, the company reserves the right to suspend services until payment is completed.

4.     The customer is not entitled to a refund after completing the subscription or purchase, except in cases determined by the company.

Cancellation and Refund Policy

1.     Paid subscriptions are non-refundable unless there is a technical error or service malfunction.

2.     If a user wishes to cancel their subscription, they must notify the company in writing at least 7 days before the automatic renewal date.

3.     The company reserves the right to cancel any order or subscription if it is found to be used in an illegal manner or violates Islamic Shariah principles.

Acceptable Use of Services

1.     The following uses of the website are strictly prohibited:

a.      Publishing content that violates Islamic Shariah principles or social norms.

b.     Using the service in ways that may harm the platform or other users.

c.      Violating intellectual property rights or misusing trademarks.

2.     The company reserves the right to terminate or suspend service for any user who violates these terms without prior notice.

Data Protection and Privacy

1.     The company is committed to maintaining the confidentiality of customer data and will not share it with any third party without the user’s consent or unless required by Kuwaiti legal regulations.

2.     The user is responsible for safeguarding their login credentials and must not share them with any third party.

3.     The company reserves the right to use customer data to enhance the services provided, in accordance with KIB Mubader’s privacy policy.

Warranties and Limitations of Liability

1.     The company provides services “as is” without explicit or implied guarantees regarding service quality or uninterrupted availability.

2.     The company is not responsible for any losses resulting from the customer’s misuse of services or products.

3.     The company is not liable for any technical failures beyond its control that may temporarily interrupt the service.

Disputes and Litigation

1.     Any disputes arising from the execution of these terms and conditions shall be governed by the laws of the State of Kuwait and the Kuwaiti courts.

2.     In the event of a dispute between the customer and the company, an amicable settlement will be sought first. If no resolution is reached, the dispute will be referred to the competent judicial authorities in Kuwait.

Amendments to the Terms and Conditions

1.     The company reserves the right to amend these terms and conditions at any time based on business needs and applicable Kuwaiti laws.

2.     Any modifications to the terms will be announced on the platform, and continued use of the services constitutes implied acceptance of the updated terms.

By reading these terms, you confirm that you have read, understood, and accepted all the provisions stated above, and you commit to complying with them while using KIB Mubader’s services.