Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website and related services offered by AMNA Financial Inc ("Amna," "we," "us," or "our"). By accessing our website or submitting information through it, you agree to these Terms.

1. About Amna

Amna is a licensed commerce operator that helps global brands sell in the Kingdom of Saudi Arabia ("KSA"). Our services may include local entity support, payment facilitation, VAT and regulatory compliance, Arabic-language customer support, returns handling, and related operational services for cross-border merchants.

References to "Amna" on this website refer to AMNA Financial Inc and its affiliates, as applicable.

2. Pre-launch and early-access status

Amna may be offered on a pre-launch, waitlist, or early-access basis. Submitting a form or requesting access does not create a binding commercial relationship, guarantee acceptance, or entitle you to any particular pricing, timeline, feature set, or service level. All commercial terms are subject to separate written agreement.

3. Eligibility

You may use this website only if you are at least 18 years old and have authority to act on behalf of the business you represent. You agree that the information you provide is accurate and that you will keep it current.

4. Permitted use

You agree to use the website only for lawful business purposes and in accordance with these Terms. You may not:

• Use the website in any way that violates applicable law or regulation;
• Attempt to gain unauthorized access to our systems, data, or networks;
• Interfere with or disrupt the website or its security features;
• Scrape, harvest, or automate access to the website except as expressly permitted;
• Misrepresent your identity, affiliation, or authority.

5. No professional or legal advice

Information on this website is provided for general informational purposes only. It does not constitute legal, tax, regulatory, financial, or commercial advice. You should obtain independent professional advice before making decisions about operating in KSA or entering into commercial arrangements.

6. Intellectual property

The website and its content, including text, graphics, logos, trademarks, design, and software, are owned by or licensed to AMNA Financial Inc and are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or create derivative works from our content without our prior written consent.

7. Third-party services

Our website may reference or link to third-party platforms, payment methods, logistics providers, or other services. We do not control and are not responsible for third-party products, services, terms, or policies.

8. Disclaimer of warranties

To the fullest extent permitted by law, the website and any information or services made available through it are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, secure, or free of harmful components.

9. Limitation of liability

To the fullest extent permitted by law, AMNA Financial Inc and its officers, directors, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity arising out of or related to your use of the website.

To the extent any liability cannot be excluded, our aggregate liability arising out of or relating to the website will not exceed one hundred U.S. dollars (USD $100) or the minimum amount permitted by applicable law, whichever is greater.

10. Indemnification

You agree to indemnify and hold harmless AMNA Financial Inc and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your misuse of the website or violation of these Terms.

11. Privacy

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

12. Suspension and termination

We may suspend or terminate access to the website at any time, with or without notice, if we reasonably believe you have violated these Terms or if necessary to protect the website, our users, or our business.

13. Governing law and disputes

These Terms are governed by the laws applicable to AMNA Financial Inc, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the website will be resolved in the courts or forums having jurisdiction over AMNA Financial Inc, unless otherwise required by mandatory local law.

Nothing in these Terms limits any rights you may have under applicable consumer protection or data protection laws that cannot be waived by contract.

14. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page indicates when the Terms were last revised. Continued use of the website after changes become effective constitutes acceptance of the revised Terms.

15. Contact

For questions about these Terms, contact:

AMNA Financial Inc
Email: support@amnapay.com