Terms of Service

1. Acceptance of Terms

By accessing or using the Bankkie platform (bankkie.com), including any associated services, features, or content, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to any part of these Terms, you must discontinue use of the platform immediately.

By using Bankkie, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding agreements under the laws of the Kingdom of Saudi Arabia
• You will comply with these Terms and all applicable local, national, and international laws and regulations
• You are not prohibited from using this platform under any applicable law or regulation

Your continued use of Bankkie following any changes to these Terms constitutes your acceptance of the revised Terms.

2. About Bankkie

Bankkie is a financial product comparison platform that enables users to compare credit cards, personal loans, mortgages, auto finance, and savings accounts from banks operating in the Kingdom of Saudi Arabia.

Bankkie is not a bank, financial institution, or licensed financial advisor. We do not provide banking services, hold deposits, issue credit, or process financial transactions. We are not licensed or regulated by the Saudi Central Bank (SAMA) as a financial services provider.

Bankkie operates as an information aggregation and comparison service. We collect and present publicly available data about financial products from banks operating in Saudi Arabia to help consumers make more informed decisions.

3. Financial Information Disclaimer

The information provided on Bankkie is for general informational and educational purposes only. Nothing on this platform constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

Comparisons, rankings, calculations, and product information displayed on Bankkie are based on publicly available data and may not reflect the most current terms, rates, or conditions offered by financial institutions. Product availability, terms, and pricing may vary based on your individual circumstances, including but not limited to your credit profile, income, employment status, and banking relationship.

We strongly recommend that you:

• Consult with a qualified and licensed financial advisor before making any financial decisions
• Verify all product information, rates, fees, and terms directly with the relevant financial institution
• Read the full terms and conditions of any financial product before applying
• Consider your personal financial circumstances, risk tolerance, and objectives
• Seek independent professional advice where appropriate

Bankkie accepts no responsibility for any financial decisions made based on information displayed on this platform. Any reliance you place on such information is strictly at your own risk.

4. Service Description

Bankkie provides the following services:

Our platform compares financial products across the following categories from banks operating in Saudi Arabia:

• Credit cards, charge cards, and prepaid cards — including fees, rewards, welcome bonuses, and eligibility requirements
• Personal finance (loans) — including profit rates, administrative fees, and tenure options
• Mortgages — including profit rates, down payment requirements, and financing terms
• Auto finance — including profit rates, tenure options, and vehicle financing terms
• Savings accounts — including expected profit rates, minimum balances, and account features

Product data is sourced from publicly available bank websites, fee schedules, and official documentation. We update our data regularly but cannot guarantee real-time accuracy. All displayed information should be verified directly with the respective financial institution.

5. Affiliate & Compensation Disclosure

Bankkie may receive compensation from financial institutions when users are referred to their products or services through our platform. This compensation may take the form of referral fees, commissions, or other arrangements.

We are committed to transparency regarding our compensation relationships:

• Compensation arrangements do not determine which products appear on our platform
• Our comparison tools and rankings are based on product data and user-selected criteria, not compensation amounts
• The availability of products and compensation rates may influence which products are featured or promoted
• We clearly distinguish between organic comparisons and sponsored or promoted content where applicable

Despite our best efforts to maintain objectivity, you should be aware that financial relationships exist between Bankkie and some financial institutions. We encourage you to compare products from multiple sources before making a decision.

6. Information Accuracy & Limitations

We strive to provide accurate, complete, and up-to-date information about financial products. However, we cannot guarantee the accuracy, completeness, or timeliness of any information displayed on Bankkie.

Limitations of our information include:

• Financial product terms, rates, and fees may change without prior notice from the issuing bank
• Promotional offers and special rates may have expired or changed since our last update
• Eligibility criteria and approval decisions are determined solely by the financial institution
• Calculations and estimates (such as rewards income, APR comparisons, or monthly payments) are approximations and may differ from actual figures
• Information may not reflect all terms and conditions applicable to a product

You must always verify the current terms, fees, rates, and conditions directly with the financial institution before applying for any product. Bankkie shall not be held liable for any discrepancies between information displayed on our platform and the actual terms offered by financial institutions.

7. User Accounts & Responsibilities

If you create an account on Bankkie, you agree to the following responsibilities:

• You will provide accurate, current, and complete registration information
• You will maintain the security and confidentiality of your login credentials
• You will not share your account credentials with any third party
• You are solely responsible for all activities that occur under your account
• You will notify us immediately of any unauthorized use of your account or any security breach
• You will keep your account information updated

Bankkie reserves the right to suspend or terminate your account at any time, with or without notice, for conduct that we determine violates these Terms, is harmful to other users, or is otherwise objectionable.

8. Prohibited Activities

You agree not to engage in any of the following prohibited activities when using Bankkie:

• Using the platform for any unlawful purpose or in violation of any applicable law or regulation of the Kingdom of Saudi Arabia
• Attempting to gain unauthorized access to our systems, servers, networks, or other users' accounts
• Scraping, crawling, or using automated means to access or collect data from the platform without our prior written consent
• Reproducing, distributing, modifying, or creating derivative works of our content without authorization
• Using the platform for any commercial purpose without our express written permission
• Transmitting any malware, viruses, or other harmful code
• Interfering with or disrupting the platform's operations, servers, or networks
• Impersonating any person or entity, or misrepresenting your affiliation with any person or entity
• Posting or transmitting any content that is defamatory, obscene, threatening, or otherwise objectionable
• Using the platform to harass, abuse, or harm another person

Violation of these prohibitions may result in immediate termination of your access to the platform and may be reported to the appropriate legal authorities.

9. Intellectual Property

All content, features, and functionality on Bankkie, including but not limited to text, graphics, logos, icons, images, data compilations, software, and design, are the exclusive property of Bankkie or its licensors and are protected by Saudi Arabian and international copyright, trademark, and other intellectual property laws.

All bank names, logos, card images, and payment network trademarks (including but not limited to Visa, Mastercard, Mada, and American Express) displayed on this platform are the property of their respective owners. Their use on Bankkie is solely for identification and informational purposes and does not imply any endorsement, affiliation, or sponsorship by those entities.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform for personal, non-commercial purposes only. This license does not include the right to:

• Modify, copy, or distribute our content without prior written consent
• Use any data mining, robots, or similar data gathering or extraction methods
• Remove any copyright, trademark, or other proprietary notices from our content
• Use our trademarks, logos, or brand names without written authorization
• Frame or mirror any part of the platform without our express written consent

10. Third-Party Links & Services

Bankkie contains links to third-party websites, including bank websites and financial institution portals. These links are provided for your convenience and reference only.

When you click on a link to a third-party website or apply for a financial product, you leave the Bankkie platform. We are not responsible for the content, privacy practices, terms of service, or security of any third-party websites.

The inclusion of a link to a third-party website does not imply endorsement, sponsorship, or recommendation by Bankkie. We are not agents of, nor affiliated with, any financial institution listed on our platform unless explicitly stated otherwise.

We encourage you to review the terms of service and privacy policy of any third-party website before providing personal information or completing any transaction.

11. Limitation of Liability

To the maximum extent permitted by the laws of the Kingdom of Saudi Arabia:

Bankkie, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the platform, including but not limited to:

• Loss of profits, revenue, data, or business opportunities
• Financial losses resulting from decisions made based on information on the platform
• Damages arising from unauthorized access to or alteration of your transmissions or data
• Damages caused by errors, omissions, or inaccuracies in the information provided
• Any interruption or cessation of transmission to or from the platform
• Any viruses or harmful code transmitted through the platform by any third party

In no event shall Bankkie's total liability exceed the amount paid by you, if any, for accessing the platform during the twelve (12) months preceding the claim, or one hundred Saudi Riyals (SAR 100), whichever is greater. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Disclaimer of Warranties

The Bankkie platform is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, Bankkie disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranty that the platform will be uninterrupted, timely, secure, or error-free
• Any warranty regarding the accuracy, reliability, or completeness of information provided
• Any warranty regarding the results that may be obtained from use of the platform
• Any warranty that defects in the platform will be corrected

No advice or information, whether oral or written, obtained from Bankkie or through the platform, shall create any warranty not expressly stated in these Terms.

13. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or your use of the platform shall be subject to the exclusive jurisdiction of the competent courts in the Kingdom of Saudi Arabia.

For matters related to financial products or services, you may also file a complaint with the Saudi Central Bank (SAMA) through their official complaint channels. For consumer protection matters, you may contact the Ministry of Commerce Consumer Protection Division.

14. Dispute Resolution

If you have a dispute or complaint regarding Bankkie's services, we encourage you to follow these steps:

• Contact us directly through our contact page or by email at the address listed below. We aim to respond to all complaints within five (5) business days
• If your complaint is not resolved to your satisfaction, you may escalate the matter to the Ministry of Commerce Consumer Protection Division
• For disputes related to financial products listed on our platform, you may file a complaint with the Saudi Central Bank (SAMA) via their official channels
• Nothing in these Terms prevents you from filing a claim with the competent courts in the Kingdom of Saudi Arabia

15. Modifications to Terms

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Changes will be effective immediately upon posting on this page.

We will make reasonable efforts to notify users of material changes by updating the "Last updated" date at the top of these Terms. We may also provide notice through prominent announcements on the platform.

Your continued use of Bankkie after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the platform.

We encourage you to review these Terms periodically to stay informed of any updates.