Terms & Conditions

This Agreement was last modified on 22nd January 2019.

This User Agreement describes the terms and conditions which you accept by using our Application or our Services. We have incorporated by reference some linked information.

In this User Agreement:

"Account" means the account associated with your email address.

"Buyer" means a User that purchases Seller Services or items from Sellers or identifies a Seller through the Application. A User may be both a Buyer and a Seller under this agreement.

"Contest" means a contest that is promoted by a Buyer and in respect of which a Seller can submit one or more entries via the Application.

"Contest Brief" means the document setting out the scope of a Contest, including but not limited to items such as a design brief.

"Contest Handover", in respect of a Contest, means the agreement between the Buyer and one or more winning Seller(s) under which each Seller will transfer to the Buyer ownership of the winning entry or entries.

"Dispute Resolution Process" means the process to be followed by Buyers and Sellers in accordance with the Dispute Resolution Services.

"Entrant" means a Seller who has entered a Contest.

"Fannan", "we", "our", "company" or "the company" or "us" means Syrup Global LLC (CR 1010949799).

“Freelancer / Artist Verified” Users have been satisfactorily verified under the National Verification Policy of NIC through their certified third party “Tahakkom”.

"Inactive Account" means a User Account that has not been logged into for a 6 month period or other period determined by us from time to time.

"Intellectual Property Rights" means any and all intellectual property rights, existing worldwide and the subject matter of such rights, including (a) patents, copyright, rights in circuit layouts (or similar rights), registered designs, registered and unregistered trademarks, and any right to have confidential information kept confidential; and (b) any application or right to apply for registration of any of the rights referred to in paragraph (a), whether or not such rights are registered or capable of being registered and whether existing under any laws, at common law or in equity.

"Local Job" or "Local Jobs" means a service we provide to match a Buyer with a Seller in relation to the provision of location-specific services.

"Milestone Payment" means a payment made by the Buyer for the provision of Seller Services under a User Contract and which will be released in accordance with the section "Milestone Payments" of these terms and conditions.

"Project" or "Listing" means a job offered or awarded by a Buyer via the Application, which may include a service or contest listed by a Buyer, a Service awarded by a Buyer (for example through Hire Me), a service bought by a Buyer from a Seller, and service awarded by a Buyer to a Seller as a result of a Contest or competition hosted via the application.

"Seller" means a User that offers and provides services or identifies as a Seller through the Application. A User may be both a Buyer and a Seller under this agreement.

"Seller Services" means all services provided by a Seller.

"Fannan Services" means all services provided by us to you.

"User", "you" or "your" means an individual who visits or uses the Application, including via the API.

"User Contract" means:

(1) this User Agreement;

(2) the Code of Conduct as amended from time to time;

(3) any other contractual provisions accepted by both the Seller and Buyer uploaded to the Application, to the extent not inconsistent with the User Agreement and the Code of Conduct;

(4) the Project terms as awarded and accepted on the Application, to the extent not inconsistent with the User Agreement and the Code of Conduct; and

(5) any other material incorporated by reference from time to time.

"Application" means the Application operated by Fannan and available at Fannan.sa and any of its regional or other domains or properties, and any related Fannan service, tool or application, specifically including any iOS App and any Android App, or API or other access mechanisms.

1. Overview

By accessing the Application, you agree to the following terms with Fannan.

We may amend this User Agreement and any linked information from time to time by posting amended terms on the Application, without notice to you.

The Application is an online venue where Users buy and sell Seller Services and items. Buyers and Sellers must register for an account in order to buy or sell Seller Services and/or items. The Application enables Users to work together online to complete and pay for Service, buy and sell services and to use the services that we provide. We are not a party to any contractual agreements between Buyer and Seller in the online venue, we merely facilitate connections between the parties.

We may, from time to time, and without notice, change or add to the Application or the information, products or services described in it. However, we do not undertake to keep the Application updated. We are not liable to you or anyone else if any error occurs in the information on the Application or if that information is not current.

2. Scope

Before using the Application, you must read the whole User Agreement, the Application policies, and all linked information.

You must read and accept all of the terms in, and linked to, this User Agreement, the Code of Conduct, the Freelancer / Artist Privacy Policy and all Application policies. By accepting this User Agreement as you access our Application, you agree that this User Agreement will apply whenever you use the Application, or when you use the tools we make available to interact with the Application.

3. Eligibility

You will not use the Application if you:

  1. are not able to form legally binding contracts;

  2. are under the age of 16;

  3. a person barred from receiving and rendering services under the laws of the Kingdom of Saudi Arabia or other applicable jurisdiction;

  4. are suspended from using the Application; or

  5. Do not hold a valid email address, ID.

All user accounts are associated with individuals. Login credentials should not be shared by users with others. The individual associated with the account will be held responsible for all actions taken by the account, without limitation.

Subject to your local laws, a person over 15 but under 18 can use an adult's account with the permission of the account holder. However, the account holder is responsible for all actions taken by the account, without limitation.

Users may provide a business name or a company name, which is associated with the User's Account. Users acknowledge and agree that where a business name or company name is associated with their Account, this User Agreement is a contract with the User as an individual (not the business or company) and Users remain solely responsible for all activity undertaken in respect of their Account.

A company, corporation, trust, partnership or other non-individual corporate entity may be a User subject to an eligible corporate account that pays corporate subscriptions.

We may, at our absolute discretion, refuse to register any person or entity as a User.

You cannot transfer or assign any rights or obligations you have under this agreement without prior written consent.

4. Using Fannan

While using the Application, you will not attempt to or otherwise do any of the following:

  1. post content or items in inappropriate categories or areas on our Application and services;

  2. infringe any laws, third party rights or our policies, such as the Code of Conduct;

  3. fail to deliver payment for services delivered to you;

  4. fail to deliver Seller Services purchased from you;

  5. circumvent or manipulate our fee structure, the billing process, or fees owed to Fannan;

  6. post false, inaccurate, misleading, deceptive, defamatory or offensive content (including personal information);

  7. take any action that may undermine the feedback or reputation systems (such as displaying, importing or exporting feedback information or using it for purposes unrelated to the Application);

  8. transfer your Freelancer/Artist account (including feedback) and Username to another party without our consent;

  9. distribute or post spam, unsolicited, or bulk electronic communications, chain letters, or pyramid schemes;

  10. distribute viruses or any other technologies that may harm Fannan, the Application, or the interests or property of Fannan users (including their Intellectual Property Rights, privacy and publicity rights) or is unlawful, threatening, abusive, defamatory, invasive of privacy, vulgar, obscene, profane or which may harass or cause distress or inconvenience to, or incite hatred of, any person;

  11. download and aggregate listings from our application for display with listings from other websites or applications without our express written permission, "frame", "mirror" or otherwise incorporate any part of the Application into any other website without our prior written authorization;

  12. attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by us in connection with the Application;

  13. copy, modify or distribute rights or content from the Application or Fannan's copyrights and trademarks; or

  14. Harvest or otherwise collect information about Users, including email addresses, without their consent.

5. Intellectual Property Rights Infringement

It is our policy to respond to clear notices of alleged intellectual property rights infringement. Our Copyright Infringement Policy is designed to make submitting notices of alleged infringement to us as straightforward as possible while reducing the number of notices that we receive that are fraudulent or difficult to understand or verify. If you believe that your Intellectual Property Rights have been violated, please notify us via email info@fannan.sa and we will investigate.

6. Fees and Services

We charge fees for certain services, such as bidding fees for Jobs. When you use a service that has a fee, you have an opportunity to review and accept the fees that you will be charged based on our schedule of Fees and Services, which we may change from time to time and will update by placing on our Application. We may choose to temporarily change the fees for our services for promotional events or new services, and such changes are effective when we post a temporary promotional event or new service on the Application, or as notified through promotional correspondence. We take 15% of each job. Users may be asked to provide verification of payment or other user information before receiving or sending the credit. A seller can post a job within the range of:

Minimum = 100 SAR,

Maximum = 100,000 SAR.

 

Unless otherwise stated, all fees are quoted in Saudi Arabian Riyals (SAR).

7. Taxes

You are responsible for paying any taxes, including any goods and services or value-added taxes, which may be applicable depending on the jurisdiction of the services provided.

Depending on your residency or location, you may be subject to certain ad valorem or other taxes (for example, VAT in Saudi Arabia), on certain fees that we charge. These taxes will be added to fees billed to you, if applicable.

You acknowledge that you must comply with your obligations under income tax provisions in your jurisdiction.

 

 

8. Payment Administration Agent

You acknowledge and agree that we may in our sole discretion, from time to time, appoint our related bodies corporate, affiliates, or any other third party to act as our agent to accept or make payments (including merchant facilities) from or to Users on our behalf. Such affiliates include Paytabs.

Such a third party will have the same rights, powers, and privileges that we have under this User Agreement and will be entitled to exercise or enforce their rights, powers, and privileges as our agent or in their own name. In no event shall we be liable to any User for any loss, damage or liability resulting from the Payment Administration Agent's negligence and/or acts beyond the authority given by Freelancer.

9. Promotion

We may display your company or business name, logo, images or other media as part of the Fannan Services and/or other marketing materials relating to the Applications, except where you have explicitly requested that we do not do this and we have agreed to such a request in writing.

You acknowledge that we may use the public description of your Projects/Jobs and the content of your profile information on the Application for marketing and other related purposes.

10. Content

When you give us content, you grant us a worldwide, perpetual, irrevocable, royalty-free, sub-licensable (through multiple tiers) right to exercise any and all copyright, trademark, publicity, and database rights (but no other rights) you have in the content, in any media known now or in the future.

You acknowledge and agree that: (1) we act only as a forum for the online distribution and publication of User content. We make no warranty that User content is made available on the Application. We have the right (but not the obligation) to take any action deemed appropriate by us with respect to your User Content; (2) we have no responsibility or liability for the deletion or failure to store any content, whether or not the content was actually made available on the Application; and (3) any and all content submitted to the Application is subject to our approval. We may reject, approve or modify your User content at our sole discretion.

You represent and warrant that, your content:

  1. Will not infringe upon or misappropriate any copyright, patent, trademark, trade secret, or other intellectual property right or proprietary right or right of publicity or privacy of any person;

  2. Will not violate any law or regulation;

  3. Will not be defamatory or trade libelous;

  4. Will not contain material linked to terrorist activities

  5. Will not include incomplete, false or inaccurate information about User or any other individual; and

  6. Will not contain any viruses or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.

You acknowledge and agree that we may transfer your personal information to a related body corporate and your information may be transferred to requesting entities of the Saudi Arabian Government. If you wish to withdraw your consent, you acknowledge and agree that we may be unable to provide you with access to the Application and Fannan Services and may close your Account.

Information on the Application may contain general information about legal, financial, health and other matters. The information is not advice, and should not be treated as such. You must not rely on the information on the Application as an alternative to professional advice. If you have specific questions about any matter you should consult your professional adviser.

We provide unmonitored access to third-party content, including User feedback and articles with original content and opinions (or links to such third party content). We only act as a portal and have no liability based on, or related to, third party content on the Application, whether arising under the laws of copyright or other intellectual property, defamation, libel, privacy, obscenity, or any other legal discipline.

The Application may contain links to other third party websites. We do not control the websites to which we link from the Application. We do not endorse the content, products, services, practices, policies or performance of the websites we link to from the Application. Use of third-party content, links to third-party content and/or websites is at your risk.

In relation to deletion or hiding of any information or content, using the Application to delete, hide or otherwise dispose of information does not imply permanent deletion of content or information. Information may be retained for a period of time to fulfill record-keeping, regulatory, compliance, statistical, law enforcement and other obligations.

11. Feedback, Reputation, and Reviews

You acknowledge that you transfer copyright of any feedback, reputation or reviews you leave consisting of comments and any rating(s) (e.g. quality, communication, etc.) together with any composite rating by us. You acknowledge that such feedback, reputation, and reviews belong solely to us, notwithstanding that we permit you to use it on our Application while you remain a User. You must not use, or deal with, such feedback, reputation, and reviews in any way inconsistent with our policies as posted on the Application from time to time without our prior written permission.

You may not do (or omit to do) anything that may undermine the integrity of the Fannan feedback system. We are entitled to suspend or terminate your account at any time if we, in our sole and absolute discretion, are concerned by any feedback about you, or your feedback rating, where we believe our feedback system may be subverted.

Our feedback ratings belong to us and may not be used for any purpose other than facilitating the provision of Seller Services via the Application. You may not use your Seller or Buyer feedback (including, but not limited to, marketing or exporting your any or all of your composite rating(s) or feedback comments) in any real or virtual venue other than a website operated by Fannan or its related entities, without our written permission.

12. Advertising

Unless otherwise agreed with us, you must not advertise an external website, product or service on the Application. Any website address posted on the Application, including in a listing, bid, listing description, clarification board or the message board, must relate to a Project, Job, Contest, an item listed, user or service being performed on the Application.

We may display advertisements or promotions on the Application. You acknowledge and agree that we shall not be responsible for any loss or damage of any kind incurred by you as a result of the presence of such advertisements or promotions or any subsequent dealings with third parties. Furthermore, you acknowledge and agree that the content of any advertisements or promotions may be protected by copyrights, trademarks, service marks, patents or other intellectual property or proprietary rights and laws. Unless expressly authorized by Fannan or third party right holders, you agree not to modify, sell, distribute, appropriate or create derivative works based on such advertisement/promotions.

13. Communication with Other Users

Communication with other users on the Application must be conducted through the text, audio and or video chat functionality, along with message boards, public clarification boards, Project message board, direct message sending and other communication channels provided on the Application.

You must not post your email address or any other contact information (including but not limited to Instagram, Soundcloud) on the Application, except in the "email" field of the signup form, at our request or as otherwise permitted by us on the Application.

Unless you have a prior relationship with a User, you must only communicate with Users via the Application. You must not, and must not attempt to, communicate with other Users through any other means including but not limited to email, telephone, Skype, ICQ, AIM, MSN Messenger, WeChat, SnapChat, GTalk, GChat or Yahoo, Instagram, Twitter, Facebook.

In relation to video chat and audio chat, any terms agreed to between any Users must be confirmed in writing using the chat or direct message function.

Fannan may use information such as your name, location, display or username, and or your image, in relation to the provision messaging services on the Application.

We may read all correspondence posted to the Application and download or access, and test (if necessary), all uploaded files, programs and websites related to your use of the Application for the purpose of investigating fraud, regulatory compliance, risk management, and other related purposes.

14. Identity / Know Your Customer

You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate your identity. You must, at our request: (1) provide further information to us, which may include your date of birth and or other information that will allow us to reasonably identify you; (2) take steps to confirm ownership of your email address or financial instruments; or (3) verify your information against third party databases or through other sources.

We also reserve the right to request a video interview with you to validate this information, your identity, your background, and your skills.

We reserve the right to close, suspend, or limit access to your Account, the Application and/or Freelancer / Artist Services in the event we are unable to obtain or verify to our satisfaction the information which we request under this section.

We reserve the right to update your particulars on the application in order to match any identity documentation that has been provided. Disbursements such as wire transfers from the application may only be made to the beneficiary matching your provided identity documents and account information.

If you are not Fannan Verified you may not be able to withdraw funds from your Fannan Account, and other restrictions may apply.

15. User Services

Upon the Buyer awarding a Project, Job or Contest to the Seller, and the Seller's acceptance on the Application, or the purchase of an item by a Buyer from the Seller, the Buyer and Seller will be deemed to have entered into a User Contract under which the Buyer agrees to purchase, and the Seller agrees to deliver the Seller Services. You agree not to enter into any contractual provisions in conflict with the User Agreement.

You are solely responsible for ensuring that you comply with your obligations to other Users. If you do not, you may become liable to that User. You must ensure that you are aware of any domestic laws (including common law), international laws, statutes, ordinances and regulations relevant to you as a Buyer or Seller, or in any other uses you make of the Application.

If another User breaches any obligation to you, you are solely responsible for enforcing any rights that you may have. For the avoidance of doubt, we have no responsibility for enforcing any rights under a User Contract.

Depending on their jurisdiction, Sellers and Buyers may have rights under statutory warranties that cannot lawfully be excluded. Nothing in this User Agreement is intended to override a right that by applicable law may not be excluded. Nothing in this User Agreement is intended to violate any laws relating to unfair contracts, and this agreement has been specifically redrafted to ensure compliance with unfair contracts legislation. To the extent that any component of this User Agreement is in conflict with inalienable rights under local laws, all parties intend for this agreement to be read down only insofar as to be in compliance with such local laws and no further.

Each User acknowledges and agrees that the relationship between Buyers and Sellers is that of an independent contractor. Nothing in this User Agreement creates a partnership, joint venture, agency or employment relationship between Users. Nothing in this User Agreement shall in any way be construed as forming a joint venture, partnership or an employer-employee relationship between Freelancer / Artist and any User.

16. Special Provisions for Local Jobs

Each User acknowledges:

  1. Fannan does not review, approve, recommend or verify any of the credentials, licenses or statements of capability in relation to Local Jobs (or, for the avoidance of doubt, any non-Local Jobs on the Application);

  2. Fannan provides matchmaking and platform services only. Users agree that Fannan has no liability for any other aspect of service delivery or interaction between Buyer and Seller. Fannan is not a party to any disputes between Buyer and Seller, although we provide a dispute resolution mechanism to assist the parties in resolving issues;

  3. Fannan may from time to time include map features and Fannan may display the location of Users to persons browsing the Application on that map. Every Buyer seeking services for Local Jobs will be asked to provide the location where the Local Job is to be performed. You expressly agree that Fannan has no liability for displaying such information.

  4. A User must never disclose, in any Project posted, personal details such as the User's name, street number, phone number or the email address in any Project/Job description for a Local Job or in any other public communication on the Application (these may be disclosed for Local Jobs as required in private direct messages);

  5. Fannan may collect location related data from you via technologies including but not limited to GPS, IP address location, WiFi, and other methods. This data may be shared in the context of facilitating services for Local Jobs and each User specifically consents to this collection and sharing as part of this agreement;

  6. Upon completion of a Local Job Project, Seller User must log on to the Application and click the "Complete" button for that Local Job, as soon as practicable.

  7. Failure to complete the service or task will constitute a breach of this User Agreement; and

  8. Our fees are applied to the amount of the awarded Seller's bid to perform the services for the Local Job. Any items purchased by the Seller as part of performing the service are between the Buyer and Seller.

17. Funds

You may have positive funds in your Account if you have prepaid for fees or charges or for services to be provided to you via the Application. If you are a Seller, you may have positive funds if you have successfully completed a Project/Job, or sold an item, and funds have been released to you. There are also circumstances where funds may have been credited to your Account in relation to an affiliate program or a referral program.

Funds in your Account are held by us in our operating accounts held with financial institutions. Funds in your Account are not held separately by us and may be commingled with our general operating funds, and/or funds of other User's Accounts.

You are not entitled to any interest or other earnings for funds that are in your Account.

We may receive interest on funds held by us in our operating accounts from financial institutions with whom we hold our operating accounts. Any such interest earned belongs to us and we will not be liable to any User for any imputed interest on such funds.

If your Account has negative funds, we may:

  1. set-off the negative amount with funds that you subsequently receive into your Account;

  2. Reverse payments you have made from your Account to other User Accounts on the Application;

  3. Deduct amounts you owe us from the money you subsequently add or receive into your Account; or

  4. Immediately suspend or limit your Account until such time as your Account no longer has a negative amount.

In the event that we offset a negative amount of funds pursuant to this section, it may be bundled with another debit coming out of your Account.

We reserve the right to collect any funds owed to us by any other legal means.

You acknowledge and agree that:

  1. We are not a bank or other licensed financial institution and do not provide banking services or any financial services to you;

  2. The funds shown in your Account (which may include any prepayment of fees and charges which you owe to us) represents our unsecured obligations to you with respect to your rights to direct us to make payment in relation to the purchase and sale of Seller Services through the Application and provision of the Fannan Services;

  3. If you were a User acquired in an acquisition and your account was migrated to the Application, we are responsible for your positive funds only to the extent of the legal documentation between us and any acquired marketplace, along with this agreement, and you acknowledge specifically that the onus is on you to confirm the validity of your fund, and that any understatement or misstatement in relation to this is not a claim against us, and belongs with the counterparty of any prior user agreement to which you agreed;

  4. To the extent that we are required to release funds from your Account to you, you will become our unsecured creditor until such funds are paid to you;

  5. We are not acting as a trustee or fiduciary with respect to such funds or payments;

  6. The amount of funds showing in your Account is not insured and is not a guaranteed deposit;

  7. Funds may only be loaded into your Account, or released from your Account, by us and you must only use the mechanisms available on the Application to pay for or receive funds in respect of Seller Services;

  8. Any refunds required to be processed in your favor will be returned only to the source of the original deposit, and cannot be redirected to any other payment source;

  9. We will hold funds in respect of the amount of your Account in an account held by us with a financial institution (or in any manner that we decide in our sole discretion from time to time) and such funds are not segregated into a separate account; and

  10. We may commingle your funds with funds of other Users and our own funds and such commingled funds could be used to pay other Users or for our general corporate purposes or otherwise, however, we will remain obliged to release or refund funds at your direction in accordance with this User Agreement.

18. Limits & Fraud Prevention

We reserve the right to suspend a User withdrawal request if the source of the funds is suspected to be fraudulent.

If we become aware that any funds received into an Account from another Account as a result of a fraudulent transaction, this will be reversed immediately. If those funds have already been released to you, you must pay the funds into your Account. If you do not do so, we may suspend, limit or cancel your account, or take action against you to recover those funds.

We may, in our sole discretion, place a limit on any or all of the funds in your Account (thereby preventing any use of the funds) if:

  1. We believe there may be an unacceptable level of risk associated with you, your Account, or any or all of your transactions, including if we believe that there is a risk that such funds will be subject to reversal or chargeback;

  2. We believe that the beneficiary of the payment is someone other than you;

  3. We believe that the payment is being made to a country where we do not offer our Service; or

  4. We are required to do so by law or applicable law enforcement agencies.

If you are involved in a dispute, we may (in certain circumstances) place a temporary limit on the funds in your Account to cover the amount of any potential liability. If the dispute is resolved in your favor, we will lift the limit on your funds and those funds may be released to you. If the dispute is not resolved in your favor, we may remove the funds from your Account. We may also place a limit on your account in circumstances where we suspect you of fraudulent or other unacceptable behavior, while we investigate any such matter.

19. Refunds

You may ask for a refund at any time for any funds that you have paid into your Account except if the amount to refund relates to fees or charges payable to us.

If the amount the User has asked to refund relates to: (2) our fees and charges, the process set out in the Clause "Disputes with Us" must be followed.

If we agree to the refund, the funds will be received by the User via the same payment method(s) that the User used to make the original payment to us.

We may refund funds to Users irrespective of whether a User has requested funds be refunded if:

(1) we are required by law or consider that we are required by law to do so;

(2) we determine that refunding funds to the User will avoid any dispute or an increase in our costs;

(3) we refund funds to the User in accordance with any refund policy specified by us from time to time;

(4) we find out that the original payment made by the User is fraudulent;

(5) the User made a duplicate payment in error; or

(6) we consider, in our sole opinion, that it is likely that the refund of funds is necessary to avoid a credit card chargeback.

You can request a refund by using our customer support website or emailing us at info@fannan.sa. You expressly agree to use the dispute resolution process in this agreement, expressly agree to be bound by its ruling and expressly agree not to initiate any chargeback request with your card issuer.

If you initiate any chargeback request or other "Request for Information" or similar process, you expressly agree and consent to us to share any and all information in relation to your agreement of these terms and conditions, in order to defeat any such chargeback request.

If you have already initiated a chargeback request with your credit card issuer, you must not request a refund of funds by contacting us and must not seek double recovery.

If we reasonably determine, having considered all the relevant circumstances, that you have made an excessive or unreasonable number of requests to refund funds back to you or chargebacks, we may suspend, limit or close your Account.

20. Withdrawals

Your first withdrawal of funds earned may be delayed for up to fifteen days for security and fraud purposes.

Subsequent withdrawals may be delayed for up to fifteen days where our fraud prevention policies require a delay.

We may impose a minimum withdrawal amount for funds earned. This is set out in our schedule of Fees and Charges. For withdraw, your Account wallet should be at least 1150 SAR unless otherwise specifically agreed with support.

We may require you to be Fannan Verified before you can withdraw funds from your Fannan Account, irrespective of whether or not a delay has been enforced.

You acknowledge and agree that we may seek to verify your identity or request additional information from you as part of our anti-fraud.

21. Chargebacks/Ticket

A chargeback or Ticket (being a challenge to a payment that a User files with their card issuer or financial institution), and any subsequent reversal instruction, is made by the payment product issuer or third parties (such as payment processors) and not by us. We are bound to follow such instructions.

You acknowledge and agree that we will be entitled to recover any chargebacks and reversals that may be imposed on us by a payment product issuer or third parties (such as payment processors) on funds paid to you by Buyers through the Application, as well as any processing or any other fees whatsoever incurred by us on those chargebacks and reversals.

You agree that we may reverse any such payments made to you, which are subject to chargeback or reversal instruction via your payment product issuer or third parties (such as payment processors). If you initiate any chargeback request, Ticket or other "Request for Information" or similar process, you expressly agree and consent to us to share any and all information in relation to your agreement of these terms and conditions, in order to defeat any such chargeback request.

22. Inactive Accounts

User Accounts that have not been logged into for a period of time will incur a maintenance fee per month, until either the account is closed or reactivated, for storage, bandwidth, support and management costs of providing hosting of the User's profile, portfolio storage, listing in directories, promotion of your profile on the Application and elsewhere, provision of the hire service, file storage, message transmission, general administrative matters and message, and other storage costs.

The length of the period and the amount of the maintenance fee is set out in our schedule of Fees and Charges.

We reserve the right to close an Inactive Account.

We reserve the right to close an account with nil or negative funds.

23. Right to Refuse Service

We may close, suspend or limit your access to your Account without reason. Without limiting the foregoing, we may close, suspend or limit your access to your Account:

  1. if we determine that you have breached, or are acting in breach of this User Agreement;

  2. If you under-bid on any Project in an attempt to renegotiate the actual price privately, to attempt to avoid fees;

  3. If we determine that you have infringed legal rights (resulting in actual or potential claims), including infringing Intellectual Property Rights;

  4. If we determine that you have engaged, or are engaging, in fraudulent, or illegal activities;

  5. You do not respond to account verification requests;

  6. You do not complete the account verification when requested within 3 months of the date of request;

  7. You are the subject of the sanctions regime, or our banking and payment relationships otherwise preclude us from conducting business with you;

  8. To manage any risk of loss to us, a User, or any other person; or

  9. For other reasons.

If we close your Account due to your breach of this User Agreement, you may also become liable for certain fees as described in this User Agreement.

Without limiting our other remedies, to the extent you have breached this User Agreement, you must pay us all fees owed to us and reimburse us for all losses and costs (including any and all of our employee time) and reasonable expenses (including legal fees) related to investigating such breach and collecting such fees.

You acknowledge and agree that:

(1) the damages that we will sustain as a result of your breach of this User Agreement will be substantial and will potentially include (without limitation) fines and other related expenses imposed on us by our payment processors and Users and that those damages may be extremely difficult and impracticable to ascertain;

(2) if you breach this User Agreement, we may fine/charge you up to SR 10,000 for each breach and/or we may take legal action against you to recover losses that are in excess of the fine amount;

(3) a fine of up to SR 10,000 is a presently reasonable pre-estimate or minimum estimate of our damages, considering all currently existing circumstances, including (without limitation) the relationship of the sum to the range of harm to us that reasonably could be anticipated and the anticipation that proof of actual damages may be impractical or extremely difficult; and

(4) we may release the entire (or part of the) amount of the fine from your Account to us.

If we close your Account for a reason other than as a result of your breach of this User Agreement unless as otherwise specified in this User Agreement, you will be entitled to receive any payment due from us to you.

In the event that we close your Account, you will have no claim whatsoever against us in respect of any such suspension or termination of your Account.

24. Milestone Payments

We do not operate an escrow service in relation to the Application. We do, however, provide a service on this Website which allows controlled payments to be made with respect to a service, called Milestone Payments.

Subject to the User Contract, the Buyer can make a Milestone Payment, which will be locked from the Buyer's Account and cannot be claimed by the Seller until:

  1. the Buyer and Seller agree that the funds can be claimed by the Seller;

  2. if there is a dispute, the Buyer and Seller have concluded the Dispute Resolution Process and the Dispute is resolved in the Seller's favor;

  3. the Buyer instructs us to pay a Seller for services performed by the Seller in respect of a Project or Contest; or

  4. the Buyer acknowledges that the Seller has completed the services fully and satisfactory.

If a Buyer does not approve of the Seller's work product, the parties may elect to resolve the issue under the Dispute Resolution Process.

If we have not received any instructions or dispute from a Buyer or Seller in respect of a Milestone Payment within 3 Months or any other reasonable length of time after the day that the Milestone Payment was paid and the Buyer has not logged into their Account during that time, the Milestone Payment will be unlocked and released back to the Buyer.

25. Requirements for Saudi Arabian Users and Milestone Payments

In Saudi Arabia, Milestone Payments are regarded as regulated Online payment activity.

Accepted Currencies for Milestone Payments 

Fannan.sa currently supports Transactions in Saudi Arabia Riyals  (“Supported Currencies”). If a Buyer's Payment Method is denominated in a currency other than the supported currencies, a currency conversion will be required for the Milestone Payment to be made and a Fannan.sa Transaction to proceed. 

These foreign currency conversion rates adjust regularly based on market conditions. Wholesale currency conversion rates at which Freelancer / Artist or our Affiliates obtain foreign currency will usually be different than the foreign currency conversion rates offered on the Site. Each User, in its sole discretion and risk, may authorize the charge, debit, or credit of its Payment Method in a supported foreign currency and the conversion of the payment to one of the supported currencies at the foreign currency conversion rate displayed on the Site. A list of supported foreign currencies is available on the Site. If foreign currency conversion is required to make a payment in one of the Supported Currencies and either Freelancer / Artist, Fannan, or our Affiliates do not support the foreign currency or the User does not authorize the conversion of such payment at the foreign currency conversion rate displayed on the Site, Fannan or one of our Affiliates will charge, debit, or credit the User's Payment Method and the User's Payment Method provider will convert the payment at a foreign currency conversion rate selected by the User's Payment Method provider. The User's Payment Method provider may also charge fees directly to the Payment Method even when no currency conversion is involved. The User's authorization of a payment using a foreign currency conversion rate displayed on the Site is at the User's sole risk. Freelancer / Artist, Fannan, and our Affiliates are not responsible for currency fluctuations that occur when billing or crediting a Payment Method denominated in a currency other than one of the Supported Currencies. Freelancer / Artist, Fannan, and our Affiliates are not responsible for currency fluctuations that occur when receiving or sending payments to and from the Fannan Account.

Release and Delivery of Amounts in Fannan

Buyers and Sellers in a Saudi Arabian Transaction irrevocably authorize and instruct Paytabs to release applicable portions of the Milestone Payment in an Escrow Account (each portion, a “Release”) to their Seller Escrow Account or in the event of a refund, the Buyer Escrow Account, as applicable, upon the occurrence of and in accordance with one or more Release Conditions provided below or as otherwise required by applicable law or the Terms of Service. The amount of any Release will be delivered to the applicable Freelancer / Artist Account in accordance with Seller’s or Buyer’s authorization, as above, these Instructions, and Paytabs Terms of Service and General Escrow Instructions.

As used in these Instructions, “Release Condition” means any of the following:

  1. Buyer clicks to release funds to Seller.

  2. The buyer does not take any action for 14 days from the date of a Seller’s Release request, in which case Seller and Buyer agree that Paytabs is authorized and irrevocably instructed to immediately release to Seller the amount associated in the applicable milestone in connection with such Release request.

  3. Seller cancels the contract before a Milestone Payment has been released to Seller, in which case the funds are to be returned to the Buyer.

  4. Buyer and Seller have submitted joint written instructions for a Release to either Seller Escrow Account or Buyer Escrow Account, as applicable.

  5. Buyer and Seller agree to close the contract without the release of funds, in which case the funds are to be returned to the Buyer.

  6. Buyer or Seller has failed to make its Arbitration payment or paid its fair share of the Arbitration costs pursuant to the Dispute Resolution Service, in which case the funds are released to the Party that has made its Arbitration Payment.

  7. Both Buyer and Seller have failed to timely submit to Arbitration for an unresolved Dispute as such term is defined in the Dispute Resolution Service, in which case the funds are released to the Buyer.

  8. Buyer or Seller has failed timely to respond to a Freelancer / Artist Dispute Resolution Service notification as required by the Dispute Resolution Service, in which case the funds are released to the User that has participated.

  9. Buyer or Seller otherwise has failed to comply with the Dispute Resolution Service, in which case the funds are to be released to the User that has complied with the Dispute Resolution Service.

  10. Submittal of a final award of an arbitrator appointed pursuant to the Dispute Resolution Service, in which case the funds will be released in accordance with such an award.

  11. Issuance of the final order of a court of competent jurisdiction from which appeal is not taken, in which case the funds will be released in accordance with such order.

  12. Freelancer / Artist believes, in our sole discretion, that fraud, non-payment, illegal act, or a violation of Freelancer / Artist’s User Agreement has been committed or is being committed or attempted, in which case Buyer and Seller irrevocably authorize and instruct Paytabs to take such actions as Freelancer / Artist deems appropriate in our sole discretion and in accordance with applicable law, in order to prevent or remedy such acts, including without limitation to return the funds associated with such acts to their source of payment.

26. Milestone Dispute Resolution Services

Freelancer / Artist offers Milestone Dispute Resolution Services to Users who have elected to use the Milestone Payment feature. You agree and acknowledge that: (i) Freelancer / Artist is not providing legal services; (ii) Freelancer / Artist will not advise you regarding any legal matters; and (iii) if you desire to have legal counsel, you will seek an independent legal counsel from those licensed to practice law in your jurisdiction. You will not rely on Freelancer / Artist for any such counsel.

In the event of a dispute between a Buyer and a Seller regarding a return or release of Milestone Payments, either Buyer or Seller may elect to use the Milestone Dispute Resolution Services offered by Freelancer / Artist as set out in the Milestone Disputes Policy. The Buyer and Seller will then be notified that the matter will be addressed through Milestone Dispute Resolution Services.

You agree to indemnify and (to the maximum extent permitted by law) hold Freelancer / Artist and any of our affiliates harmless against any damages or liability you may suffer as a result of using the Milestone Payments and/or Milestone Dispute Resolution Services.

Freelancer / Artist will respond to disputes initiated by a Seller or a Buyer in accordance with the Milestone Dispute Resolution Services as set out in this clause and the Milestone Disputes Policy and in relation to disputes that arise in relation to the provision of the venue, and the hosting of the Application by Freelancer / Artist as set out in the clause entitled Disputes with Us, along with the approach to disclosing information in relation to chargebacks set out in clauses 19 and 21 of this agreement.

27. Other Disputes With Users

You acknowledge and agree that in the event that a dispute arises between you and another User in relation to any Project that you will first attempt to resolve any differences that you have in relation to such Project, including in relation to the quality of the services provided.

If you continue to have any difficulties or problems in relation to a dispute with another User in relation to a Project we encourage you to contact us as set out in the Clause entitled "Contacting us".

You agree that any dispute that is not related to a Milestone Payment (which must be dealt with in accordance with the Milestone Disputes Policy) arising between you and another User will be handled in accordance with this clause. Fannan will have full rights and powers to make a determination for all such disputes. Upon receipt of a dispute, Fannan shall have the right to request the Seller and the Buyer to provide documentation in support of their claim or position in relation to the dispute. You agree that Fannan has absolute discretion to accept or reject any document provided. You also acknowledge that Fannan is not a judicial or alternative dispute resolution institution and that we will make the determinations only as an ordinary reasonable person. In addition, we do not warrant that the documents provided by the parties to the dispute will be true, complete or correct and you agree to indemnify and (to the maximum extent permitted by law) hold Fannan and any of our affiliates harmless against any damages or liability you may suffer as a result of any documentation or material subsequently being found to be false or misleading.

In relation to disputes with any other users of the Application, you hereby agree to indemnify Fannan from any and all claims, demands, and damages, actual and consequential, of every kind and nature, known and unknown, that is related to such a dispute, our determinations or the use of the Milestone Dispute Resolution Services for Milestone Payments and/or for Other Disputes.

The Fannan Code of Conduct applies to all the services offered by Fannan, including, but not limited to, the Milestone Dispute Resolution Services. It is agreed by you that you will make every endeavor at fair play and post reasonable and fair demands/offers on your dispute. No conduct relating to threats, blackmail, intimidation or inducement of users to leave positive feedback will be tolerated, in particular, any refusal to provide either deliverables or payment in relation to the provision of feedback.

A User found to be in breach of the Code of Conduct during the Milestone Dispute Resolution Service process may automatically lose the dispute in favor of the other party involved, regardless of the origin of the dispute. The User who breached the Code of Conduct may also incur further disciplinary action. For more information, read the Code of Conduct.

28. Disputes with Us

If a dispute arises between you and Freelancer / Artist, our goal is to address your concerns immediately and, if we are unable to do so to your satisfaction, to provide you with a means of resolving the dispute quickly. We strongly encourage you to first contact us directly to seek a resolution by using our ticketing support or emailing us at info@fannan.sa

For any claim, Fannan may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If Fannan elects arbitration, such arbitration will be initiated through an established alternative dispute resolution (ADR) provider, which is to be selected by you from a panel of ADR providers that Fannan will provide to you. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties, and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

All claims you bring against Fannan must be resolved in accordance with the terms of this Agreement. All claims filed or brought contrary to this Agreement shall be considered improperly filed and a breach of this Agreement. Should you file a claim contrary to the terms of this Agreement, Fannan may recover its legal fees and costs (including in-house lawyers and paralegals), provided that Fannan has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

You agree that you will not pursue any claims arising under this User Agreement on a class or other representative basis and will not seek to coordinate or consolidate any arbitration or action hereunder with any other proceeding.

If any proceeding by or against you is commenced under any provision of any bankruptcy or insolvency law, Fannan will be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this Agreement.

Fannan's failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

29. Contests/Job

Buyers can promote a Contest/job hosted on the Application by providing a Contest Brief and users applying for the job will be paying the Contest Prize in accordance with our instructions provided on the Application. A Buyer acknowledges and agrees that it is solely responsible for the operation and promotion of the Contest and warrants that it will comply with all applicable law in respect of the operation and promotion of the Contest. We have no liability for loss suffered by a User in connection with a Contest including but not limited to loss suffered (or penalties imposed) in connection with any contravention of the law.

Entrants may submit their entries in image, video, text or other formats as specified on the Website. All entries must comply with the Contest Brief and must not infringe any Intellectual Property Rights. Any entry which infringes any Intellectual Property Rights will be an ineligible entry and subject to removal either by the Buyer or us or subject to action as per our Copyright Infringement Policy.

Buyers can promote either:

(1) a regular prepaid Contest, under which a Buyer may select one or more winning Entrant(s) and Buyers may request that the Contest/Job Prize be released to them if a winner has not been chosen within 30 days of the Contest closing date; or

(2) a guaranteed Contest/Job, under which a Buyer may select one or more winning Seller(s) and if no winner is selected, we will release the Contest/Job Prize to Entrants of the guaranteed Contest/Job and charge the appropriate fees and the Buyer will have no rights to have the Contest/Job Prize released to them or to use any entries that have been submitted. After 30 days of the Contest/Job closing date, we reserve the right to distribute the Contest/Job prize to the participating Sellers.

After awarding a Contest/Job Prize, the Buyer and winning Entrant(s) will enter into a Contest/Job Handover and when the winning Entrant(s) has uploaded the winning entry (including all related files) to the Buyer, the Contest/Job Prize will be released to the winner of the Contest/Job unless disputed by the Buyer in which case the dispute must be resolved between the Buyer and winning Entrant(s) before we can release the Contest/Job Prize to the winning Entrant(s).

For the avoidance of doubt, the Buyer has no right or license to use any entries other than the winning entry/entries. The Buyer may not:

(1) promote a Contest/Job via the Application if the Buyer is hosting a similar Contest/Job through another service; (2) allow or request Sellers to submit entries to the Buyer via other means than the Application; and

(3) award another Account that might be deemed as collusion or awarding another Account owned by the Buyer.

30. Survival and Release

This agreement supersedes any other agreement between you and the Company. If any part of this document is found to be unenforceable, that part will be limited to the minimum extent necessary so that this document will otherwise remain in full force and effect. Our failure to enforce any part of this document is not a waiver of any of our rights to later enforce that or any other part of these documents. We may assign any of our rights and obligations under this document from time to time.

If there is a dispute between participants on this site, or between users and any third party, you agree that the Company is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release the Company, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services.

31. Access and Interference

You agree that you will not use any robot, spider, scraper or other automated means to access the Application via any means, including for the avoidance of doubt access to our API or application programming interface, for any purpose without our express written permission.

Additionally, you agree that you will not:

  1. take any action that imposes or may impose (in our sole discretion, exercised reasonably) an unreasonable or disproportionately large load on our infrastructure;

  2. interfere with, damage, manipulate, disrupt, disable, modify, overburden, or impair any device, software system or network connected to or used (by you or us) in relation to the Application or your Account, or assist any other person to do any of these things, or take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;

  3. copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (except for your information) from the websites without the prior express written permission of Fannan and the appropriate third party, as applicable;

  4. interfere or attempt to interfere with the proper working of the Application, services or tools, or any activities conducted on or with the Application, services or tools; or

  5. Bypass our robot exclusion headers or other measures we may use to prevent or restrict access to the Application.

32. Closing Your Account

You may close your Account at any time. The option is located in the Account Settings.

Account closure is subject to:

  1. not having any outstanding listings on the Application;

  2. resolving any outstanding matters (such as a suspension or restriction on your Account); and

  3. Paying any outstanding fees or amounts owing on the Account.

We may retain some of your personal information to satisfy regulatory requirements and our own external obligations. Closing your account does not necessarily delete or remove all of the information we hold.

33. Privacy

We use your information as described in the Fannan Privacy Policy. If you object to your information being transferred or used in this way then you must not use our services. For the avoidance of doubt, your name and personal details shall be used for identity purposes in the normal course of conducting business in this online marketplace. This may include on invoices and purchase orders including but not limited to between transacting parties, including those automatically generated on awarding, accepting and payment.

34. Indemnity

You will indemnify us (and our officers, directors, agents, subsidiaries, joint ventures, and employees) against any claim or demand, including legal fees and costs, made against us by any third party due to or arising out of your breach of this Agreement, or your infringement of any law or the rights of a third party in the course of using the Application and Fannan Services.

In addition, we can apply any funds in your Account against any liabilities you owe to us or loss suffered by us as a result of your non-performance or breach of this User Agreement.

35. Security

You must immediately notify us upon becoming aware of any unauthorized access or any other security breach to the Application, your Account or the Fannan Services and do everything possible to mitigate the unauthorized access or security breach (including preserving evidence and notifying appropriate authorities). Your User Account is yours only, and you must not share your password with others. You are solely responsible for securing your password. We will not be liable for any loss or damage arising from unauthorized access of your account resulting from your failure to secure your password.

36. No Warranty as to Each User's Purported Identity

We cannot and do not confirm each User's purported identity on the Application. We may provide information about a User, such as a strength or risk score, geographical location, or third party background check or verification of identity or credentials. However, such information is based solely on data that a User submits and we provide such information solely for the convenience of Users and the provision of such information is not an introduction, endorsement or recommendation by us.

37. No Warranty as to Content/Job

The Application is a dynamic time-sensitive Application. As such, information on the Application will change frequently. It is possible that some information could be considered offensive, harmful, inaccurate or misleading or mislabeled or deceptively labeled accidentally by us or accidentally or purposefully by a third party.

Our Services, the Application and all content on it are provided on an 'as is', 'with all faults' and 'as available' basis and without warranties of any kind either express or implied. Without limiting the foregoing, we make no representation or warranty about:

  1. the Application or any Seller Services or Fannan Services;

  2. the accuracy, reliability, availability, veracity, timeliness or content of the Application or any Seller Services or Fannan Services;

  3. whether the Application or Seller Services or Fannan Services will be up-to-date, uninterrupted, secure, error-free or non-misleading;

  4. whether defects in the Application will be corrected;

  5. whether the Application, the Seller Services or the Fannan Services or any data, content or material will be backed up or whether business continuity arrangements are in place in respect of the Application, Seller Services or Fannan Services;

  6. any third party agreements or any guarantee of business gained by you through the Application, Seller Services or Fannan Services or us; or

  7. The Application, Seller Services or Fannan Services or infrastructure on which they are based, being error or malicious code free, secure, confidential or performing at any particular standard or having any particular function.

To every extent permitted by law, we specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose, quality, suitability, and non-infringement.

38. Limitation of Liability

In no event shall we, our related entities, our affiliates or staff be liable, whether in contract, warranty, and tort (including negligence), or any other form of liability, for:

  1. Any indirect, special, incidental or consequential damages that may be incurred by you;

  2. Any loss of income, business or profits (whether direct or indirect) that may be incurred by you;

  3. Any claim, damage, or loss which may be incurred by you as a result of any of your transactions involving the Application.

The limitations on our liability to you above shall apply whether or not we, our related entities, our affiliates or staff have been advised of the possibility of such losses or damages arising.

Notwithstanding the above provisions, nothing in this User Agreement is intended to limit or exclude any liability on the part of us and our affiliates and related entities where and to the extent that applicable law prohibits such exclusion or limitation including those within the Competition and Consumer Act of the ministry of commerce and investment and relevant state fair trading legislation.

To the extent that we are able to limit the remedies available under this User Agreement, we expressly limit our liability for breach of a non-excludable condition or warranty implied by virtue of any legislation to the following remedies (the choice of which is to be at our sole discretion) to the supply of the Fannan services again or the payment of the cost of having the Fannan services supplied again.

39. Legal Limitations

As some jurisdictions do not allow some of the exclusions or limitations as established above, some of these exclusions or limitations may not apply to you. In that event, the liability will be limited as far as legally possible under the applicable legislation. We may plead this User Agreement in bar to any claim, action, proceeding or suit brought by you, against us for any matter arising out of any transaction or otherwise in respect of this User Agreement.

You and we agree that you and we will only be permitted to bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and we agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. In addition, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect other Users.

40. Notices

Legal notices will be served or to the email address, you provide to Fannan during the registration process. Notice will be deemed given 24 hours after email is sent unless the sending party is notified that the email address is invalid or that the email has not been delivered. Alternatively, we may give you legal notice by mail to the address provided by you during the registration process. In such case, notice will be deemed given three days after the date of mailing.

Any notices to Fannan must be given by registered ordinary post (or if posted to or from a place outside Saudi Arabia, by registered airmail).

41. Law and Forum for Legal Disputes

This Agreement will be governed in all respects by the laws of the Kingdom of Saudi Arabia. We encourage you to try and resolve disputes using certified mediation (such as online dispute resolution processes). If a dispute cannot be resolved then you and Fannan irrevocably submit to the non-exclusive jurisdiction of the courts of Kingdom of Saudi Arabia.

42. Severability

The provisions of this User Agreement are severable, and if any provision of this User Agreement is held to be invalid or unenforceable, such provision may be removed and the remaining provisions will be enforced. This Agreement may be assigned by us to an associated entity at any time, or to a third party without your consent in the event of a sale or other transfer of some or all of our assets. In the event of any sale or transfer, you will remain bound by this User Agreement.

43. Interpretation

Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

44. No Waiver

Our failure to act with respect to an anticipated or actual breach by you or others does not waive our right to act with respect to subsequent or similar breaches. Nothing in this section shall exclude or restrict your liability arising out of fraud or fraudulent misrepresentation.

45. Communications

You consent to receive notices and information from us in respect of the Application and Services by electronic communication. You may withdraw this consent at any time, but if you do so we may choose to suspend or close your Account.

46. Additional Terms

It is important to read and understand all our policies as they provide the rules for trading on the Fannan Application. In addition, there may be specific policies or rules that apply, and it is your responsibility to check our Help pages and policies to make sure you comply. Our policies, including all policies referenced in them, are part of this Agreement and provide additional terms and conditions related to specific services offered on our Application, including but not limited to: Privacy Policy, Code of Conduct.

Each of these policies may be changed from time to time. Changes take effect when we post them on the Fannan Application or Fannan Website Fannan.sa. When using particular services on our Application, you are subject to any posted policies or rules applicable to services you use through the Application, which may be posted from time to time. All such policies or rules are incorporated into this User Agreement.

47. General

Fannan is located at Ath Thumamah Road, 8161, 4102, Mayar 3 Building, 2nd Floor, Office #04, 13315, Riyadh, Saudi Arabia.

This Agreement contains the entire understanding and agreement between you and Fannan. The following Sections survive any termination of this Agreement: Fees and Services (with respect to fees owed for our services), Release, Content, No Warranty as to Content, Limitation of Liability, Indemnity, Bar to Action, No Class Actions, Legal Limitations, and Disputes with Us.

48. Abusing Fannan

Fannan reserves to the greatest extent possible all rights, without limiting any other remedies, to limit, suspend or terminate our service(s) and or user account(s), suspend or ban access to our services, remove any content, and to take any and all technical or legal steps to ban users.

Without limiting the reasons for taking the aforementioned actions, the conduct giving rise to this response could include:

  1. Use of our services for any illegitimate or non-bonafide purpose

  2. Creating problems with other users or potential legal liabilities

  3. Infringing the intellectual property rights of third parties

  4. Acting inconsistently with the letter or spirit of any of our policies

  5. Abuse of any staff members including inappropriate or unreasonable communications

  6. Abuse or poor performance in the Preferred Fannan Program

  7. Any attempt to use Fannan’s platform or services for any objectionable purpose

49. Feedback

If you have any questions about this User Agreement or if you wish to report breaches of this User Agreement, please contact us by using our customer support website or emailing us at info@fannan.sa