Investment Account Opening Agreement

Introduction

This Agreement governs the relationship between MoneyDo Arabia Limited (the "Company"), a limited liability company authorized by the Capital Market Authority's FinTech Lab in the Kingdom of Saudi Arabia to operate a digital platform for the distribution of investment fund units and real estate investment fund units, and registered under Commercial Registration No. 1009087531 dated 16/02/1446H, and the user (the "Client").

The Company operates the MoneyDo platform (the "Platform"). This Agreement constitutes the regulatory framework governing the Client's use of the Platform and the services provided through it.

The Client's electronic acceptance of this agreement and completion of the registration process on the Platform shall be deemed as final and binding consent, resulting in a legally enforceable contract between the Client and the Company governing the use of the Platform and its services.

The Company, as the owner of the Platform, reserves the right to amend or update this agreement whenever deemed necessary in order to protect clients' interests or to comply with applicable laws and regulatory requirements. In the event the Client does not agree with any future amendments, the Client must discontinue using or accessing the Platform and its services.

This preamble shall be considered an integral part of this agreement. The Client must carefully read all terms and conditions, including but not limited to the Privacy Policy, the Disclosure & Conflict of Interest Policy, and any additional policies or annexes that serve as complementary documents. Continued use of the Platform following any updates shall be deemed implicit acceptance of such amendments, and the Client shall be responsible for reviewing them on a periodic basis.

First Clause: Definitions

1. Unless otherwise defined in this Agreement, the following terms shall have the meanings assigned to them below:

• 1.1 The Company / MoneyDo: The Company / MoneyDo: Refers to MoneyDo Arabia Limited, a limited liability company registered in the Kingdom of Saudi Arabia under Commercial Registration No. 1009087531, and authorized by the Capital Market Authority's FinTech Lab to operate a platform for the distribution of investment fund units and real estate investment fund units (the "Platform").
• 1.2 The Platform: The electronic system or application owned and operated by MoneyDo Arabia Limited, which enables users to access investment products, conduct investment transactions, and manage their accounts online in a secure and reliable manner.
• 1.3 The Client / User / Account Holder: Any natural or legal person (including companies or institutions) who uses the platform's services and agrees to the terms and conditions of this agreement upon completing the registration process.
• 1.4 The Authority / Regulator / Licensor / Authoriser: These terms refer to the Capital Market Authority ("CMA") in Saudi Arabia, which is the regulatory body that grants licenses and monitors institutions' compliance with financial regulations and laws.
• 1.5 Investment Products: These include investment funds and real estate investment funds, enabling investors to participate either individually or collectively. They are managed by licensed entities and listed on the platform with complete disclosure of associated risks and fees.
• 1.6 Investment Fund: A collective investment program that allows investors to share profits together. It is overseen by a licensed fund manager, who charges specific fees for management services.
• 1.7 Fund Manager: A financial institution is licensed by the Capital Market Authority to manage investment funds or real estate investment funds and oversee their operations. Its responsibilities include offering fund units in accordance with the Investment Funds Regulations, Real Estate Investment Funds Regulations, and Special Purpose Entities Rules.
• 1.8 Fund Operator: A licensed fund manager authorized to manage investments and fund operations. It can also refer to a financial institution designated under the Investment Funds Regulations to manage and operate investment funds.
• 1.9 Developer: An individual appointed by the fund manager to oversee the technical aspects necessary to achieve the investment fund's objectives.
• 1.10 Custodian: An entity with a license from the Capital Market Authority to provide securities custody services under the Financial Market Institutions Regulations.
• 1.11 Fund Terms and Conditions: Contracts that include all necessary information and provisions according to the Investment Funds Regulations and Real Estate Investment Funds Regulations. These are signed between the fund manager and the holders of investment units.
• 1.12 Wallet: An investment account created by MoneyDo platform in the client's name. It includes all their investment transactions, such as purchasing and selling investment fund units.
• 1.13 Virtual Account / Investment Account / Account: A virtual bank account/s is created for the client by MoneyDo platform at Arab Bank after completing the registration process. This account efficiently and securely manages the client's investments through the platform.
• 1.14 Investment Portfolio: An account linked to the investment account that reflects the client's assets received and reflects all the details of the transactions in respect of that account.
• 1.15 Freezing the Investment Account: The temporary block on all money transfers from the investment account, the utilization of its balance, and the transfer or pledge of securities in the investment portfolios linked to it.
• 1.16 Commissions/ Fees: All commissions, fees, and charges that the Company accumulates against the services provided to the Client under this Agreement, including any regulatory fees, and is payable by the Client to the Company.
• 1.17 Currency: means the Saudi Riyal.
• 1.18 Identification Document: means the valid identification document issued by the component authorities, and accepted for opening an investment account for the client in accordance with Laws and Regulations.
• 1.19 Know Your Client / KYC: means the form issued by the Company which is named the know your client form.
• 1.20 Committee: refers to the Shariah Committee of MoneyDo, which is responsible for reviewing investment proposals and previous transactions, and issuing Sharia opinions accordingly. The committee also provides Sharia advice to ensure that the company's activities are in line with Sharia guidelines.
• 1.21 Value Added Tax / VAT: means the value-added tax imposed pursuant to the laws, regulations, and guidelines issued by the Saudi Zakat, Tax and Customs Authority (ZATCA), including any amendments, supplements, or replacements thereof.
• 1.22 Business Day: means a business day in the Kingdom in accordance with the official working days of the Company.
• 1.23 Business hours: means business hours from 9 morning until 5 evening in the official business days.
• 1.24 Regulation/s: means the laws and implementing regulations issued in Saudi Arabia in which the Company must adhere to, which includes but is not limited to the following:
  • 1.24.1 Capital Market Law: means the Capital Market Law, pursuant to Royal Decree No.(M/30) dated 2/6/1424H - 31/7/2003, and its amendments.
  • 1.24.2 Capital Market Institutions Regulations: means the Capital Market Institutions Regulations issued by the Board of the Capital Market Authority pursuant to its Resolution Number 1-83-2005 dated 21/05/1426H corresponding to 28/06/2005G based on the Capital Market Law issued by Royal Decree No. M/30 dated 2/6/1424H, and its amendments.
  • 1.24.3 Investment Funds Regulations / IFR: means the Investment Funds Regulation issued by the Board of the Capital Market Authority pursuant to its Resolution Number 1 - 219- 2006 dated 3/12/1427H corresponding to 24/12/2006G based on the Capital Market Law issued by Royal Decree No. M/30 dated 2/6/1424H, and its amendments.
  • 1.24.4 Investment Accounts Instructions: means the Investment Accounts Instructions Issued by the Board of the Capital Market Authority Pursuant to its Resolution Number 4-39-2016 Dated 25/6/1437H Corresponding to 3/4/2016G Based on the Capital Market Law Issued by Royal Decree No. M/30 dated 2/6/1424H Amended by Resolution of the Board of the Capital Market Authority Number 2-57-2025 Dated 28/11/1446H corresponding to 26/5/2025G,and its amendments
  • 1.24.5 Real Estate Investment Funds Regulations: means the Real Estate Investment Funds Regulation issued by the Board of the Capital Market Authority pursuant to its Resolution Number 1-193-2006 dated 19/6/1427 corresponding to 15/7/2006 based on the Capital Market Law issued by Royal Decree No. M/30 dated 2/6/1424H, and its amendments
  • 1.24.6 Combating -Terrorism Crimes and its Financing Law: The Combating-Terrorism Crimes and its Financing Law issued by the Royal Decree No. M/21 dated 12/2/1439H and and its amendments.
  • 1.24.7 Anti-Money Laundering Law: The Anti-Money Laundering Law issued by the Royal Decree No. M/20 dated 5/2/1439H and its amendments.

2. Except where the context otherwise requires words denoting the singular shall include the plural and vice versa, words denoting a gender shall include every gender and reference to persons shall include bodies corporate and unincorporated.

3. References to Clauses and Schedules are references to Clauses and Schedules of this Agreement.

4. Any form related to the account shall have the same force and effect as if expressly set out in the body of these Terms and Conditions in the agreement.

5. Clause headings are inserted for convenience only and shall not affect the construction of this Agreement.

Second Clause: Platform Services

"MoneyDo" is an online investment platform licensed by the Capital Market Authority ("CMA"). Its purpose is to enable both individual and institutional investors to access investment opportunities in licensed investment funds and real estate investment funds. The platform aggregates funds from a group of investors ("Platform Clients") to provide the financing required for available investment funds, allowing them to participate in potential returns based on their investment objectives and risk tolerance levels. The platform offers a set of integrated services, including:

• Access to Investment Products: Allowing clients to browse and subscribe to available investment fund units through the platform.
• Account and Portfolio Management: A virtual investment wallet is created for each client, enabling them to electronically monitor and manage their investments.
• Disclosure and Transparency: The platform is committed to providing periodic reports and updates regarding investment performance, as well as disclosing any material changes related to investment strategies, fees, or associated costs.

Third Clause: Contractual Nature / Business Activity

3.1 Role of MoneyDo Platform as a Distributor of Investment Units:

MoneyDo Platform acts as a distributor of investment units issued by licensed investment funds established in the Kingdom of Saudi Arabia, whether publicly or privately offered. This distribution is carried out in accordance with the regulations issued by the Capital Market Authority. All investment units are registered in the client's name with the fund manager, ensuring the client fully exercises their rights as an investor in accordance with applicable executive regulations.

3.2 Contractual Relationship with the Fund Manager:

Upon completing the subscription process through the Platform, a direct contractual relationship is established between the investor and the fund manager. The fund manager is responsible for managing the investor's funds and providing reports and updates related to the fund's performance.

3.3 Investor Rights to Access Fund Terms and Conditions:

As the owner of the investment units, the client is entitled to receive an updated copy of the fund's terms and conditions in Arabic from the fund manager, including details on the investment policy, fees, risks, and any other mandatory conditions.

3.4 Disclaimer of Liability for MoneyDo Platform:

The client acknowledges that MoneyDo Platform acts solely as a distribution intermediary and is not responsible for fund management or investment decisions. The Platform's role is limited to facilitating the investment process and enabling clients to access available information and execute their investment decisions.

Fourth Clause: General Risks

The Client acknowledges and understands that investing in opportunities made available through the Platform involves various investment risks that may affect the value of the invested capital. The Client is strongly advised to assess their risk tolerance before making any investment decision and seek independent financial advice when necessary. Completing the investment process constitutes the Client's explicit acceptance of such risks. These risks include, but are not limited to, the following:

4.1 Risk of Capital Loss:

Investments may be subject to partial or total loss due to market fluctuations or fund performance. Neither the Company nor the Platform provide any guarantees regarding investment returns or capital protection.

4.2 Variation in Investment Duration:

Investment opportunities may vary in duration (short or long term). The Client must ensure that the investment period aligns with their financial objectives and risk tolerance.

4.3 No Guarantees Provided:

The Company and the Platform do not guarantee any specific returns or continuity of performance. Investment outcomes depend on the fund manager's performance, market conditions, and regulatory environment.

4.4 Disclaimer of Liability for Fund Manager Actions:

The Platform's role is limited to facilitating the distribution and access to investment opportunities. It does not assume responsibility for any actions, decisions, or regulatory breaches committed by fund managers or related parties. Fund managers are solely responsible for regulatory compliance.

4.5 Regulatory Risks:

Changes to regulatory requirements or supervisory decisions may directly impact investment performance.

Fifth Clause: Eligibility

The user confirms that they have the legal capacity to use the services provided by MoneyDo Platform and agrees to the terms and conditions outlined here.

And acknowledges and understands that the platform cannot be used, nor can these terms and conditions be accepted, in the following situations:

5.1 Lack of Legal Eligibility:

If the user lacks the legal capacity and authority required to invest according to the laws of the Kingdom of Saudi Arabia, whether due to age, legal guardianship, or other restrictions that prevent them from making independent investment decisions.

5.2 Legal or Regulatory Prohibition:

If the user is prohibited from investing due to applicable laws or regulations in the Kingdom of Saudi Arabia, such as restrictions on those listed on certain watchlists from investing or participating in investment activities.

5.3 Compliance with Capital Market Authority Regulations:

The user must ensure that they meet all eligibility requirements according to the regulations of the Capital Market Authority. This includes submitting any required documents and proof of eligibility when requested by the platform.

Sixth Clause: Registration

6.1 Acceptance of Terms and Conditions:

By registering on the MoneyDo platform, the user confirms full acceptance of all terms and conditions, the Privacy Policy, the Disclosure & Conflict of Interest Policy, and any other relevant policies applicable to the platform. and all data and information provided are correct, complete, valid, and not misleading

6.2 Eligibility for Registration:

The user must possess the legal capacity to register on the platform in accordance with the laws and regulations of the Kingdom of Saudi Arabia.

6.3 Personal Account Opening:

The client is permitted to open an account on the platform solely in his/her own name. Account registration on behalf of third parties including agents, guardians, or representatives is not permitted.

6.4 Prohibition on Minor Registration:

Minors or individuals who have not reached the legal investment age are not permitted to register or invest through the platform. The user must be of legal age to engage in investment activities.

6.5 Accuracy of Information:

a. The user bears full responsibility for providing accurate, complete, and up-to-date information during the registration process and throughout the use of the platform, which includes but is not limited to Information of the client's Identification Document, address, contact information, occupation, and, if the client is a legal person, its main business activity. And undertaking to immediately update upon any change to any of the documents, information, or data that were previously provided when opening the investment account.

b. The user acknowledges that upon his failure to meet such commitment, the company will freeze his investment account.

6.6 Provision of Additional Information for Verification:

The user undertakes to provide any additional information or documentation requested by the MoneyDo platform to verify identity or validate registration data.

6.7 Updating Personal Information:

The user must immediately update his/her personal information in the event of any changes and remains fully responsible for the accuracy and reliability of such information.

6.8 Third-Party Information Verification:

a. MoneyDo , or any third party contracted for such purpose, reserves the right to undertake all necessary measures to verify the accuracy and validity of the information submitted by the user, with the related provisions of the regulations.

b. When needed, the user acknowledges that, in the course of carrying out customer due diligence measures, they must provide original copies of any documents to verify their validity.

6.9 Confidentiality of Login Credentials

The user is responsible for maintaining the confidentiality of his/her login credentials (username and password). MoneyDo shall not be liable for any unauthorized access resulting from the user's negligence in safeguarding such credentials. The user must immediately notify the platform in the event of any suspected disclosure, loss, theft, or unauthorized use.

6.10 Responsibility for Electronically Submitted Documents

The user bears full responsibility for all documents submitted electronically under his/her account and confirms their accuracy and authenticity.

6.11 Communication for Service Purposes

MoneyDo platform may contact the user as necessary to complete services or implement required procedures, using the contact details provided during registration (including mobile number and email address).

Seventh Clause: Limitation of Liability

7.1 Responsibility for Fund Managers' Actions:

MoneyDo Platform shall not be held liable for any misconduct, breach, or non-compliance with applicable laws and regulations issued by the Capital Market Authority, whether committed by fund managers, fund boards, or any related party to the investment funds offered through the platform. Full legal and regulatory responsibility rests with the respective fund managers and the institutions overseeing such funds.

7.2 Disclaimer of Financial Losses:

MoneyDo shall not be responsible for any financial losses incurred by the user as a result of using the platform or investing through it, including but not limited to:

7.2.1 Loss of profits: Investment value may decline, or expected returns may not be achieved due to market fluctuations or other factors beyond the platform's control.

7.2.2 Loss of the full investment amount: Investments offered through the platform may involve the risk of total capital loss. MoneyDo does not provide any guarantees or compensation for such losses.

7.3 No Service Guarantees:

MoneyDo provides its services on an "as-is" basis without any express or implied guarantees, including but not limited to:

7.3.1 Fitness for purpose: The platform does not guarantee that investment wallet or payment services will meet all user requirements or expectations.

7.3.2 Service continuity: The platform does not guarantee that services will be uninterrupted, error-free, or always available. Temporary disruptions or performance delays may occur due to technical or operational reasons.

7.4 No Investment Advice:

MoneyDo does not provide any investment advice, recommendation, or endorsement of any investment opportunity. The role of the platform is limited to facilitating access to available investment opportunities.

7.5 Disclaimer of Employee Recommendations:

Employees of MoneyDo are prohibited from recommending or encouraging investment in any specific fund or opportunity. Should such action occur, it shall be deemed a personal act for which the company bears no responsibility.

7.6 Account Freezing:

he Client acknowledges and agrees that the Platform has the right to restrict or freeze the investment account in the event that the identification document registered with the Platform has expired, or pursuant to a request issued by the competent regulatory authorities, in compliance with the applicable laws, regulations, and regulatory instructions.

Eighth Clause: Account Management

8.1 Creation of the Investment Account:

An investment account shall be created under the client's name through the MoneyDo Platform, including all transactions related to subscribing to or redeeming units in investment funds and real estate investment funds.

8.2 Depositing Funds in a Bank Account & Client Consent:

The client acknowledges and agrees that, in accordance with applicable regulatory requirements, MoneyDo may deposit client funds into a local bank account for operational purposes. The client's electronic acceptance of this agreement constitutes explicit consent to this arrangement, provided that such client funds are managed in compliance with relevant client asset regulations and supervisory authority requirements deposit requests to the client's registered personal bank account within twenty-four (24) business hours during official business days. The Client acknowledges that deposit or withdrawal requests may take longer than the specified timeframe due to factors beyond the Platform's control, including banking procedures or verification requirements. In such cases, the Platform will use reasonable efforts to process the request as soon as possible, which may extend up to 48 business hours.

8.3 Withdrawal Processing:

MoneyDo commits to and in accordance with Fund Terms and Conditions to process fund withdrawal requests to the client's registered personal bank account within (24) business hours during official business days. The completion of such transactions remains subject to the applicable banking procedures in the Kingdom of Saudi Arabia. The Client acknowledges that deposit or withdrawal requests may take longer than the specified timeframe due to factors beyond the Platform's control, including banking procedures or verification requirements. In such cases, the Platform will use reasonable efforts to process the request as soon as possible, which may extend up to 48 business hours.

8.4 Transactions on the Investment Account:

a. The client acknowledges and agrees that it is prohibited to transfer money from an investment account of a client to an investment account of another client except as specified in Article (9.d) of Investment Accounts Instructions.

b. The client acknowledges and agrees that the investment account must be linked to one or more bank accounts in the client's name. Any outgoing transfer of money must not be accepted unless it is to one of those bank accounts, except as specified in Article (9.e) of Investment Accounts Instructions.

Ninth Clause: Virtual Account Services

Upon completion of the registration process on the MoneyDo Platform, a virtual account will be created in the client's name. This account shall be used exclusively for the purpose of holding funds intended for investment via the platform and by the client itself.

The client may transfer funds between their registered personal bank account and their virtual account to facilitate investment activity. The client acknowledges that the virtual account is not considered a traditional bank account and does not provide any banking services such as cash withdrawals or cheque issuance.

The virtual account enables the client to:

• Wallet Top-Up: Deposit funds into the virtual account to activate the wallet and initiate investments through the platform.
• Fund Subscription: Subscribe to investment opportunities using the available wallet balance.
• Balance Withdrawal: Withdraw funds at any time to the client's registered personal bank account via the platform dashboard.

Tenth Clause: Fees and Commissions

10.1 Account Opening:

MoneyDo Platform does not charge any fees for opening an account. Fees are only applied once the client initiates an actual investment in the available opportunities through the platform.

10.2 Subscription Fees:

a. MoneyDo Platform charges a subscription fee of up to 2% of the client's investment amount.

b. This percentage does not include VAT, which is calculated and added separately in accordance with applicable regulations.

10.3 Additional Commissions:

MoneyDo Platform may receive additional commissions from fund managers in return for distribution, marketing, or client relationship management services.

These commissions are paid from the fund manager's own resources, ensuring no extra costs are imposed on the client.

10.4 Cost Disclosure:

MoneyDo Platform is committed to providing full and transparent disclosure of all applicable fees and commissions prior to executing any investment transaction, ensuring that the client is fully aware of all costs related to the platform's services.

Eleventh Clause: Shari'a Compliance

11.1 MoneyDo Platform is committed to adhering to Islamic Shari'a principles in the event that any Shari'a-based investment products or services are offered. The compliance of all investment funds made available on the platform with Shari'a principles shall be overseen by an independent and accredited Shari'a Committee. The Committee is responsible for reviewing and approving all investment products to ensure conformity with Islamic Shari'a requirements.

11.2 Responsibilities of the Shari'a Committee:

11.2.1 Reviewing investment products offered on the platform and verifying their compliance with Islamic Shari'a rules and guidelines.

11.2.2 Providing Shari'a advisory on all investment-related activities and services offered through the platform.

11.2.3 Issuing Shari'a rulings (Fatwas) regarding any inquiries or exceptions related to Shari'a aspects of investment operations.

Twelfth Clause: MoneyDo Platform Rights

12.1 Imposing Restrictions on Accounts and Investment Wallets:

MoneyDo Platform reserves the right to impose restrictions on the use of the account or investment wallet, or on transactions executed through it, without prior notice, as deemed appropriate to ensure compliance with applicable regulations and internal policies. Such restrictions may include, but are not limited to:

12.1.1 Limiting the number of financial transactions permitted within a specified period.

12.1.2 Setting maximum thresholds for the amounts that can be deposited into the account within a certain timeframe.

12.2 Freezing Investment Accounts:

In addition to what is set in clause 6.5.b in this agreement, MoneyDo may freeze or restrict investment accounts based on a request issued by the Capital Market Authority or by a competent judicial authority through the CMA. The freeze shall be executed in accordance with directives issued by the relevant authorities and in compliance with applicable regulations and law in the Kingdom of Saudi Arabia.

12.3 Blocking the Investment Account:

12.3.1 When there is a liquidation proceedings against the client's insolvency, bankruptcy, or loss of legal competence, the MoneyDo Platform shall have the right to block all Investment Accounts and Investment Portfolios associated with that client and suspend all money transfer and withdrawal transactions. The client shall not be permitted to utilize the balance of the investment account or take any action with respect to the assets in the associated Investment Portfolios in any form.

12.3.2 Furthermore, the MoneyDo Platform shall have the right to grant the bankruptcy trustee access to all relevant information regarding the client's funds and to take any necessary actions relating to the client's money, to the extent required to enable the bankruptcy trustee to perform their duties in accordance with the powers granted by the decision issued by the competent court.

12.3.3 The MoneyDo Platform shall only unblock the investment account and associated Investment Portfolios upon receiving a formal request from the Authority.

12.4 Implementing Preventive Measures:

The platform may take any additional precautionary or preventive measures it deems necessary to protect the investment environment or the technical system from any unlawful activity or any action that violates applicable regulations or the platform's instructions.

12.5 Disclosure of Information and Execution on the Investment Account:

12.5.1 In compliance with a request from the Authority or any competent judicial authority, the MoneyDo Platform is authorized to provisionally attach or disclose information pertaining to any Investment Account or Investment Portfolio to the Authority.

12.5.2 In such circumstances, the MoneyDo Platform shall restrict the client from performing any actions concerning the balance or assets of any attached Investment Accounts or Investment Portfolios. If the Authority's request specifies a provisional attachment of a certain amount, the client shall only be permitted to conduct transactions related to any amounts exceeding the specified amount. The MoneyDo Platform reserves the right to suspend all money transfer and withdrawal transactions. The provisional attachment of the client's investment accounts or portfolios shall be lifted only upon receipt of a formal request from the Authority.

12.5.3 Upon receipt of a request from the Authority to execute against the Investment Accounts or Investment Portfolios related to the client, the MoneyDo Platform shall have the right to immediately initiate execution procedures.

Thirteenth Clause: Client Rights

13.1 Access to Complete Information on Investment Opportunities:

You have the right to access all information related to investment opportunities published on the platform through the terms and conditions of each opportunity. This information includes all details necessary to support informed investment decisions.

13.2 Access to Fund Managers' Reports:

The platform provides access to reports related to the funds, which are prepared by the fund managers in accordance with regulatory requirements. These reports are made available on the platform once received from the fund manager.

13.3 Deposit of Due Amounts:

If any amounts are due to you from your investments, the platform will deposit them into your virtual bank account as soon as they are received from the fund manager. You may choose to transfer these amounts to your personal bank account registered on the platform or reinvest them in any available investment opportunity.

13.4 Submission of Complaints and Grievances:

You have the right to submit complaints or grievances through the communication channels provided via the platform's official website. Complaints and grievances are handled seriously and addressed promptly to meet your inquiries and needs.

13.5 Access and Monitoring of Your Investment Details:

You can access all information related to your investments through your dashboard, including investment status, progress percentage, periodic evaluations, and any notifications related to liquidation or exit opportunities (when available).

13.6 Voting and Notification on Material Changes:

If a material change occurs in the fund's board of directors or in its terms and conditions, you have the right to vote on such change. A summary of the change will be shared through your dashboard within the timeframe specified under the Investment Funds Regulations, Real Estate Investment Funds Regulations, or as stated in the fund's terms and conditions.

Fourteenth Clause: Your Obligations & Responsibilities

14.1 Review of Terms and Conditions:

You must carefully read and understand the terms and conditions of any investment opportunity before making any investment decision through the platform.

14.2 Intellectual Property Rights:

All logos, trademarks, and content displayed on the platform are legally owned and protected. Any infringement or misuse may result in legal liability.

14.3 Non-Refundability of Investment Amount:

Once the investment amount has been paid through the platform to purchase fund units, it becomes non-refundable, except upon the fund's liquidation in accordance with its terms and conditions.

14.4 Protection of Login Credentials:

You are responsible for all activities conducted through your platform account and must maintain the confidentiality of your username and password. You must notify the platform immediately if you become aware of any disclosure, loss, theft, or unauthorized use.

14.5 Virtual Account Creation:

By registering on the platform, you authorize MoneyDo to open a virtual account in your name with the approved bank to securely manage your investments via the platform.

14.6 Review of Privacy, Disclosure & Conflict of Interest Policies:

You must read and accept the Privacy Policy and the Disclosure & Conflict of Interest Policy before registering on the platform or using its services.

Fifteenth Clause: Client Declaration

The Client acknowledges that:

15.1 Eligibility for Registration and Use:

The Client has the legal capacity to register and use wallet services in accordance with the applicable laws and regulations in the Kingdom of Saudi Arabia.

15.2 Accuracy of Personal Information:

The name provided during registration is the Client's true legal name or a registered trade name with the Ministry of Commerce.

15.3 Personal Use of the Account:

The Client confirms that the account will be used solely for personal purposes and not on behalf of any other individual or legal entity.

15.4 Compliance with Laws and Regulations:

The Client undertakes to comply with all applicable laws and regulations in the Kingdom of Saudi Arabia and acknowledges responsibility for staying informed of any updates thereto.

15.5 Refraining from Unlawful Use of Services:

The Client agrees not to use the platform or wallet services for any fraudulent activities or in any manner that may disrupt or negatively affect the platform's services.

15.6 Not Subject to Any Sanctions List:

The Client confirms that they are not listed on any restricted or sanctioned party lists and are not controlled by any sanctioned entity, including lists issued by the United Nations Security Council, the U.S. Government (such as the Specially Designated Nationals List, the Foreign Sanctions Evaders List, and the Entity List), the European Union, or any other relevant governmental authority.

Sixteenth Clause: Complaints

MoneyDo Platform is committed to providing essential client support by promptly and efficiently receiving and addressing complaints.

Complaints may be submitted through any of the following official channels:

16.1 X Platform (formerly Twitter):

Official customer support account: @MoneyDOKSA

16.2 Email:

Support@moneydo.sa

16.3 Complaints Icon within the Platform:

A dedicated complaints submission form is available through the integrated complaints icon on the platform.

16.4 Website and App Messaging:

Complaints may also be submitted through the messaging feature available on both the website and the mobile application.