Terms and Conditions

Last Updated: 21-Feb-2026
Effective Date: 21-Feb-2026

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “Client”, “you”) and Saaz Financial (“Company”, “we”, “us”, or “our”).

By accessing, browsing, or using https://saazfin.com/ (the “Website”), you acknowledge that you have read, understood, and agreed to be legally bound by these Terms. If you do not agree, you must immediately cease use of the Website.

1. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws and regulations of the Kingdom of Saudi Arabia, including but not limited to:

  • The E-Commerce Law
  • The Saudi Personal Data Protection Law
  • Applicable Commercial and Civil regulations

Any dispute, claim, or controversy arising out of or relating to these Terms shall be subject exclusively to the competent courts of Riyadh, Kingdom of Saudi Arabia.

2. Nature of Website and No Advisory Relationship

All content provided on this Website is for general informational purposes only.

Nothing on this Website shall be interpreted as:

  • Accounting advice
  • Tax advice
  • Legal advice
  • Investment advice
  • Financial advisory services

No professional-client relationship is formed solely through:

  • Website access
  • Email communication
  • Inquiry submission
  • Download of materials

A binding service relationship shall only exist upon execution of a formal written engagement agreement signed by both parties.

3. User Representations and Warranties

By using this Website, you represent and warrant that:

  • You are legally capable of entering into binding agreements under Saudi law
  • All information provided by you is accurate and truthful
  • You will not use the Website for unlawful or fraudulent activities
  • You will not attempt to compromise the security or integrity of the Website

Any breach may result in immediate suspension of access and potential legal action.

4. Engagement of Services

All services provided by Saaz Financial, including but not limited to:

  • Accounting
  • Bookkeeping
  • Zakat & Tax Compliance
  • Financial Reporting
  • Advisory Services

shall be governed strictly by a separate written agreement defining:

  • Scope of services
  • Fees and payment terms
  • Liability limitations
  • Confidentiality obligations

No verbal communication or website content shall override a signed agreement.

5. Fees, Payments, and Default

All professional fees must be agreed upon in writing.

Failure to make payments within agreed timelines shall entitle Saaz Financial to:

  • Suspend services immediately
  • Withhold deliverables
  • Charge late payment fees (if agreed in engagement letter)
  • Initiate legal recovery proceedings

All fees are non-refundable unless otherwise stated in writing.

6. Intellectual Property Rights

All intellectual property rights in the Website, including but not limited to:

  • Trademarks
  • Logos
  • Text
  • Graphics
  • Reports
  • Design
  • Layout
  • Proprietary methodologies

are the exclusive property of Saaz Financial unless otherwise stated.

Unauthorized copying, reproduction, distribution, modification, or commercial exploitation is strictly prohibited and may result in civil and criminal liability under Saudi law.

7. Confidentiality Disclaimer

While Saaz Financial applies reasonable security measures, any information transmitted via the Website prior to a formal engagement agreement shall not be considered legally privileged or fully confidential.

Users are advised not to submit sensitive financial data until a formal agreement is executed.

8. Limitation of Liability

To the maximum extent permitted under Saudi law:

  • Saaz Financial shall not be liable for indirect, incidental, special, consequential, or punitive damages.
  • We do not guarantee uninterrupted, error-free, or secure Website operation.
  • The Company shall not be liable for reliance placed on Website content.

Total liability, where applicable, shall not exceed the fees paid by the client under a formal engagement agreement.

9. Indemnification

You agree to indemnify, defend, and hold harmless Saaz Financial, its directors, employees, consultants, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:

  • Your misuse of the Website
  • Violation of these Terms
  • Violation of applicable Saudi laws
  • Infringement of third-party rights

10. Data Protection and Privacy

Personal data shall be processed in compliance with the Saudi Personal Data Protection Law and related implementing regulations.

For full details, please review our Privacy Policy.

11. Force Majeure

Saaz Financial shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to:

  • Government actions
  • Regulatory changes
  • Natural disasters
  • Cyber incidents
  • Telecommunications failures

12. Severability

If any provision of these Terms is found to be invalid or unenforceable under Saudi law, the remaining provisions shall remain in full force and effect.

13. Amendments

We reserve the absolute right to amend, modify, or replace these Terms at any time without prior notice.

Continued use of the Website following publication of revised Terms constitutes binding acceptance.

14. Entire Agreement

These Terms constitute the entire agreement between you and Saaz Financial regarding Website usage and supersede all prior communications or understandings relating thereto.

15. Contact Information

Saaz Financial
Email: info@saazfin.com
Phone: +966582138160