Last updated: 09 Feb 2026

These Terms & Conditions govern the use of the Aman Collect platform (the “Platform”) operated by Aman Debt Collection Company (“Aman”) in the Kingdom of Saudi Arabia (“KSA”). By accessing or using the Platform, you agree to be bound by these Terms.

0. Definitions

• Platform: Aman Collect system, including web application, modules, APIs, and related services.
• Aman: Aman Debt Collection Company.
• Client Entity / Creditor: Any organization contracting with Aman to use the Platform and/or assign cases.
• User: Any person authorized to access the Platform on behalf of Aman or a Client Entity.
• Data Subject: Any identified/identifiable individual whose personal data is processed (e.g., debtor, guarantor, contact).
• Personal Data: As defined under applicable Saudi laws and regulations, including PDPL.

0.1 Electronic Acceptance & Language

Using the Platform constitutes electronic acceptance of these Terms. In case of any discrepancy between the Arabic and English versions, the Arabic version shall prevail.

1. Authorized Use

Access is restricted to authorized users of Aman and/or authorized users of Aman’s client entities solely for lawful business purposes and within granted permissions.

2. User Responsibilities

• Protect login credentials and do not share accounts
• Use the Platform only within granted permissions and for authorized purposes
• Ensure information entered is accurate, lawful, and necessary
• Comply with Saudi laws and regulations, including PDPL

3. Data Protection (PDPL)

Personal data is processed in compliance with PDPL and related regulations. Unauthorized access, disclosure, or misuse is strictly prohibited. Users must handle personal data on a need-to-know basis and follow internal policies.

4. Confidentiality

All information accessed through the Platform (including debtor/creditor data, case details, documents, notes, reports, and communications) is confidential. Users must not disclose, copy, publish, sell, or share such information except as authorized and required for the intended business purpose.

4.1 Acceptable Use (Communications & Collection Conduct)

• Users must communicate professionally and lawfully and avoid harassment, threats, defamation, or misleading statements.
• Users must use only approved communication channels and templates (where available) and must respect applicable rules and instructions.
• Users must not publish or disclose debtor data to unauthorized persons or through public channels.
• Any collection action must be within the assigned scope, documented where required, and compliant with applicable laws and regulations.

5. Access Control, Logging & Monitoring

The Platform enforces role-based access control and maintains audit logs. Aman may monitor usage, review logs, and investigate suspicious activity to protect security, comply with regulations, and prevent misuse.

6. Prohibited Activities

• Attempting to bypass authentication, permissions, or security controls
• Uploading malware, exploiting vulnerabilities, or conducting penetration attempts without written authorization
• Bulk extraction, scraping, or automated harvesting of data without explicit written approval
• Using the Platform for harassment, threats, or unlawful collection practices
• Using data for any purpose unrelated to assigned cases or contractual scope

7. Client Data & Instructions

Where the Platform is used to process cases provided by client entities (e.g., schools, hospitals, factories, agricultural entities, banks, insurers, and other creditors), such processing is performed within the contractual scope. Client entities are responsible for ensuring they have a lawful basis to share the data with Aman and to instruct processing.

7.1 Client Responsibilities & Warranties

Client Entities warrant that: (a) they have a lawful basis and authority to share personal data with Aman for the stated purposes, (b) the assigned claims/cases are supported by valid documentation and instructions, and (c) the data shared is accurate, relevant, and updated to the extent reasonably practicable. Client Entities remain responsible for the legality of the underlying claim and for the instructions provided to Users.

7.2 Privacy Roles & Data Processing Addendum

Aman’s privacy roles (Controller/Processor) and processing principles are described in the Privacy Policy and applicable contracts. Where a Data Processing Addendum (“DPA”) or written contract exists, it governs processing instructions and obligations to the extent applicable.

8. No Transfer Outside KSA

The Platform is hosted and operated within KSA. Personal data is not transferred, disclosed, or processed outside KSA.

9. Platform Availability

Aman aims to provide reliable access; however, availability may be affected by maintenance, upgrades, telecommunications, third-party services, or circumstances beyond Aman’s reasonable control.

10. Disclaimer (No Legal/Financial Advice)

The Platform provides operational tools for case management and communications. It does not constitute legal, regulatory, financial, or professional advice. Decisions and actions remain the responsibility of the user and/or client entity.

10.1 Uploaded Content & Documents

Users are responsible for any files, documents, notes, and data they upload or enter into the Platform. Users must not upload content that is unlawful, excessive, irrelevant, infringing, or contains malware. Aman may restrict, quarantine, remove, or disable access to content that violates these Terms or poses security/compliance risk.

10.2 Notices

Official notices and communications may be delivered via (a) in-platform notifications, and/or (b) email to the registered business email address. Notices are deemed received when sent or made available in the Platform, unless applicable law requires otherwise.

10.3 Force Majeure

Aman shall not be liable for failure or delay in performance resulting from events beyond its reasonable control, including failures of telecommunications, hosting providers, power outages, cyber incidents not caused by Aman’s breach of obligations, governmental actions, or other force majeure events.

10.4 Changes to the Platform

Aman may modify, update, add, remove, or discontinue features of the Platform to improve security, compliance, and operations. Material changes may be communicated via the Platform where appropriate.

10.5 Third-Party Services (Email/SMS/Telecom/Integrations)

The Platform may rely on third-party services (e.g., email, SMS, telecom, OTP, or other integrations). Delivery, routing, and availability of such services may be affected by third parties. Aman is not responsible for delays, failures, filtering, or non-delivery caused by third-party providers, recipients, network conditions, or factors outside Aman’s control.

10.6 User Actions & Accountability

Users are solely responsible for actions they perform on the Platform (including communications, notes, uploads, and exports) and for ensuring such actions are lawful and authorized. Where Users act on behalf of a Client Entity, the Client Entity is responsible for User conduct and instructions, except where applicable law provides otherwise.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Aman shall not be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenues, data, or business, arising from use of the Platform. Aman’s total liability, if any, shall be limited to the amounts paid (if any) for access to the Platform during the twelve (12) months preceding the event giving rise to the claim, unless applicable law requires otherwise.

This limitation applies to Aman, its affiliates, directors, officers, employees, contractors, and service providers, except to the extent liability cannot be limited under applicable law.

12. Account Suspension & Termination

Aman may suspend or terminate access immediately if there is suspected violation of these Terms, security risk, unlawful activity, or compliance requirement. Investigation outcomes may include permanent termination and/or reporting to competent authorities where required.

12.1 Right to Refuse Service / Reject Cases

Aman may refuse onboarding, suspend processing, or reject any case or instruction if documentation is incomplete, instructions are unlawful, the case presents undue compliance/security risk, or processing would breach applicable laws, regulations, or contractual obligations.

12.2 Anti-Bribery, Fraud & Abuse

Users must not engage in bribery, fraud, manipulation of case outcomes, conflicts of interest, or any form of abuse related to Platform use. Violations may result in immediate termination and reporting to competent authorities where required.

12.3 Compliance with Applicable Rules & Client Policies

Users must comply with applicable Saudi laws and regulations and, where relevant, Client Entity policies and sector rules communicated to Users (e.g., security, confidentiality, and operational instructions). Where conflict exists, applicable law prevails.

12.4 Records, Audit Trails & Legal Hold

Aman may retain logs, audit trails, and case records as required for security, compliance, dispute handling, and legal obligations. In the event of a dispute, investigation, or request from competent authorities, Aman may preserve relevant records until closure.

12.5 Indemnity

To the maximum extent permitted by applicable law, the User and/or Client Entity agree to indemnify, defend, and hold harmless Aman, its affiliates, directors, officers, employees, and service providers from and against any claims, liabilities, damages, losses, penalties, and expenses (including reasonable legal fees) arising out of or related to:

• Unlawful, inaccurate, or unauthorized data provided to Aman or entered into the Platform
• Failure to obtain required authorizations/consents or lawful basis for processing or collection actions
• Any unlawful collection conduct, misuse of the Platform, or violation of these Terms by Users
• Any third-party claim arising from User communications, uploads, exports, or instructions

13. Intellectual Property

The Platform and all related intellectual property rights are exclusively owned by Aman (and/or its licensors), including: the software, source code, object code, architecture, databases, schemas, workflows, user interface and “look & feel”, logos, trademarks, trade names, documentation, reports, templates, and any updates or enhancements. No rights are granted to the User or Client Entity except the limited right to use the Platform in accordance with these Terms.

Users and Client Entities must not (and must not allow others to):

• Copy, reproduce, translate, modify, adapt, or create derivative works of the Platform or any part of it
• Reverse engineer, decompile, disassemble, or attempt to discover source code or underlying ideas/algorithms (except where prohibited by law)
• Remove, obscure, or alter any copyright, trademark, or proprietary notices
• Use the Platform to build, develop, market, or support a competing product or service
• Extract or reuse substantial parts of the Platform’s content, screens, or workflows for commercial purposes

Any unauthorized use may result in immediate suspension/termination and legal action, in addition to any other rights or remedies available to Aman.

14. Updates to Terms

Aman may update these Terms from time to time to reflect changes in laws, regulations, or operations. Updated Terms will be made available within the Platform and apply upon publication.

14.1 Miscellaneous

• Severability: If any provision is held invalid, the remaining provisions remain in effect.
• Waiver: Failure to enforce any right is not a waiver of that right.
• Entire Agreement: These Terms constitute the entire agreement for Platform use and supersede prior understandings.
• Assignment: Aman may assign its rights/obligations to an affiliate or successor where permitted by law.

15. Governing Law, Dispute Resolution & Jurisdiction

These Terms are governed by the laws of the Kingdom of Saudi Arabia. Before initiating formal proceedings, the parties will attempt to resolve disputes amicably within thirty (30) days of written notice (where feasible). Any dispute shall be subject to the competent courts of the Kingdom of Saudi Arabia.

15.1 Versioning & Acceptance Record

These Terms are published as v1.0. Platform access may be conditioned on accepting the latest version. Aman may keep an electronic record of acceptance (including timestamp, user identifier, and version) for audit and compliance purposes.