Terms and Conditions

This document outlines the Terms and Conditions for using the Saudi Mortgage Guarantees Company (Damanat) Website (from now on referred to as the “Company’s Website“). By accessing or using the Company’s Website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you must not use the Company’s Website.

The Saudi Mortgage Guarantees Company (Damanat) (the “Company”) reserves the right to take all legal measures in the event of any violation of any of its provisions, including any violation of intellectual property rights.

Usage Restrictions

By using the Company’s Website, you agree to refrain from the following activities:

Uploading or downloading files containing software, materials, data, or other information you do not own or do not have a license to.
Uploading or downloading files that contain viruses, corrupted data, or any malicious software, or doing anything that may affect the security, reliability, or continued availability of information on the Company’s Website.
Publishing, advertising, distributing, or circulating materials or information that contain defamation or violation of any illegal materials or information through the services of the Company’s Website.
Using any means, program, or procedure to intercept or attempt to intercept the proper functioning of the Company’s Website.
Carrying out any action that imposes an unreasonable load, large download size, or improper use of the Company’s Website infrastructure.
Everything that is considered a violation of the Anti-Cyber Crime Law or the related laws in force in Saudi Arabia.
Creating, displaying, or placing any links related to the Company’s Website, except for placing links related to services on sites whose objectives and general direction do not conflict with the objectives, policies, and frameworks of e-services affiliated with the Company.
Using automated systems or software to extract data from the Company’s Website for commercial purposes without prior written consent from the Company.

User Blocking

The Company reserves the right, at its sole discretion, to terminate, restrict, or suspend your access to the Company’s Website without prior notice for any reason, including but not limited to violations of these Terms and Conditions or any behavior deemed illegal or harmful by the Company. In the event of termination, you will no longer be authorized to access the Company’s Website.

Intellectual Property Rights

Users of the Company’s Website must respect and preserve the intellectual property rights associated with the Company’s Website, which include but are not limited to the following: All contents of the Website, including services and information, are fully protected in accordance with the regulations of the Kingdom of Saudi Arabia. The user may not sell, license, rent, modify, copy, reproduce, upload, advertise, transfer, distribute, edit, or create works derived from any materials or contents from the Company’s Website for public or commercial purposes without obtaining prior written approval of the Company. It is prohibited to make any modification to the contents of the Company’s Website, and the graphics and images on the Company’s Website are protected by regulations and may not be reproduced or exploited in any way without the prior written consent of the Company.

Website Usage and Disclaimer

The Saudi Mortgage Guarantees Company (Damanat) shall not be liable under any circumstances for any direct, indirect, incidental, consequential, special, or exemplary damages arising from the use or inability to use its website.
All information provided on the Company’s Website is for general and guidance purposes only. The Company makes no express or implied representations or guarantees regarding the completeness, accuracy, reliability, suitability, or availability of the data, information, or related materials on this website. The information must not be used for any other purpose in any way.
The Company shall not be liable for any wrongful of willful act done by others through the Company’s Website.
The Company shall not be liable for any failure to perform its obligations under these Terms and Conditions due to events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, government actions, disruption of technology and communication systems of the service providers or cyber attacks.
The Company does not guarantee that the Company’s Website will be free from errors, interruptions, or viruses, and the user is responsible for implementing sufficient procedures and checkpoints to satisfy their particular requirements for accuracy of data input and output.

Security of Website and Its Related Systems

The Company has a dedicated information security department that ensures the security of the Company’s Website and its related systems in accordance with established security policies and procedures.
Penetration tests are performed periodically on the Company’s systems, and performance is monitored while measuring data traffic and maintenance, to enhance security in access and data protection.

The Company’s Website imposes a high degree of security on all the Website’s equipment and servers, as the latest protection devices are equipped, and the Company makes every effort to examine and test the contents of the Website, and the user must commit to running anti-virus programs in all materials that he/she downloads from the Company’s Website.

Complaints

In case of complaints or inquiries, please contact the relevant complaints department via email: [[email protected]] Upon receiving a complaint, the company will:

Acknowledge receipt of the complaint.
Provide an estimated timeframe for addressing the complaint.
Provide the complainant with a reference number for follow-up.
Notify the complainant of any progress made on the submitted complaint.
Inform the complainant, in writing, whether the complaint is accepted or rejected, along with the reasons for the decision.
Address complaints within (10) business days of receipt.

Judicial Authority

The user is subject to all laws and regulations in force in the Kingdom of Saudi Arabia. The courts of the city of Riyadh, the Kingdom of Saudi Arabia shall have exclusive jurisdiction to hear and resolve any disputes that may arise in connection with these Terms and Conditions.

Acknowledgments

The user aknowledge that the Company’s Website has the right to handle and use the provided data according to the Company’s Privacy Policy.
The users aknowledge the right of the Company to disclose information or report any act prohibited by the laws of the Kingdom of Saudi Arabia to relevent authorities.
The user aknowledge that the Company’s Website will not be responsible of user’s abuse of other’s owned or licensed IP rights in which occurredd on the Company’s Website or related social channels.
The user acknowledges that the Company may use cookies and similar technologies to enhance the user experience and analyze site usage.

General Provisions

The Company shall not be liable for any expenses, losses, costs, compensation, or claims arising in any way whatsoever, general, special, or even incidental, or caused by any action related to the use of the Company’s Website or the information contained therein.
The Company is not responsible for any consequences resulting from an error or failure to update the information on the Company’s Website.
The Company reserves the right to add or change any of the terms of use. The continued use of the Company’s Website following any such change constitutes an approval to these Terms and Conditions.
The Company reserves the right to monitor and record user activity on the Company’s Website for security and quality assurance purposes.
The Company has the right to temporarily stop the Company’s Website when maintenance, development, or modification is needed, until the completion of such necessary work.
The Company reserves all rights to stop and disable any link in any way from any website that is not authorized or that contains inappropriate, obscene, defamatory, pornographic, objectionable or illegal topics, or contains names, materials, or information that violate any law or violate any public or private rights.
The Company is not responsible for the content available on any other website accessed through the Company’s Website or accessed through the Company’s services.
The content avaliable on the Company’s Website and related social channels, are general information, and it is subject to change without notice.
Unathorized use of the Company’s website and its related social channels may give raise to claim for damages and/or be a criminal offence.
If any provision of these Terms and Conditions is found to be invalid or unenforceable by applicable laws in the Kingdom of Saudi Arabia, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the extent necessary to make it valid and enforceable.