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Terms and Conditions

1. INTRODUCTION
1.1. These Terms and Conditions (referred to hereinafter as T&C) govern the use of Alinma Bank Loyalty Program, the collection of points, the membership of the Alinma Bank Loyalty Program and the use of Program Portals.
1.2. By accessing and/or using any page of the Program Portals and the services they offer, Member declares that Member read, understood, and accepted the following terms, conditions, and disclaimers in full and hereby agrees to comply with and be bound by them. These T&C may be changed or updated occasionally; therefore Members are encouraged to frequently visit these sections in order to be updated about the changes made. Modifications will be effective on the day they are posted.
2. DEFINITIONS
For the purpose of these T&C, the following terms shall have the following meaning:
2.1. Alinma Bank Loyalty Program (the Program) – means the loyalty program run by Alinma Bank pursuant to which Member earns rewards points by performing Transactions through his Alinma Products and Services and then redeeming the earned points for Rewards.
2.2. Alinma Bank Loyalty Program POINTS (the Points) – means the common loyalty currency points earned by a Member under the Program and credited to a Member’s account. These Points can be redeemed through the Program Portals, or through Program Network Partners.
2.3. Alinma Bank Loyalty Program Network (the Program Network) – means the network of businesses where Program Points can be earned or redeemed.
2.4. Alinma Bank Loyalty Program Network Partner (the Network Partners) – means any business participating in the Program Network and offers Program Points to Members.
2.5. Member – means the person who is a member of the Program whose name is registered against the Membership Number.
2.6. Membership Number – means the membership number allocated to a Member in accordance with these T&C.
2.7. Member Loyalty Account – an account number that is set up under one Membership Number and which is used by Member within the Program to earn and redeem Points.
2.8. PIN Code –a four-digit number chosen by Member at the time of enrollment and used to access Program Portals functionalities.
2.9. Alinma Bank Products and Services – shall mean all products and services that are offered by Alinma and that Member makes use of.
2.10. Transactions – mean the transactions that are performed by Member through using his Alinma Bank Products and Services.
2.11. Reward(s) – goods or services supplied, by or on behalf of Alinma Bank Loyalty Program, upon redemption by a Member of an appropriate number of points or, where permitted, a combination of cash and points.
2.12. Suppliers and/or Merchants – means third party vendors through whom Rewards are procured and delivered.
2.13. Program Portals – mean the website and/or mobile app offered to Program Members, and available at < www.mazaya.alinma.com >.
3. ALINMA BANK LOYALTY PROGRAM MEMBERS
3.1. Enrollment in the Program is free of charge and is available to individuals who opted to enroll in the Program.
3.2. Member will earn, accumulate and redeem Points through the methods stated herein or in Program Portals.
3.3. Alinma Bank will set up a Member Loyalty Account to record Points earned or redeemed by the Member. Points can only be redeemed once the Account is activated by using the PIN at Program Partner locations or by entering it online on Program Portals.
4. POINTS COLLECTION
4.1. Member will earn Points relative to the Transactions made through Alinma Products and Services. The number of Points a Member may earn is determined according to Member’s use of said products and services and in accordance with Alinma terms that regulate Alinma Products and Services, and it is published on the Program Portals.
4.2. Additionally, Points can be collected at any participating Program Partner.
4.3. Points cannot be redeemed until credited to the Member’s Loyalty Account. Points are usually posted within a 24-hour period; however, at times it may take up to 2 or 3 business days to be credited.
4.4. Points can only be earned, held, transferred or redeemed as set out in these T&C. Any other use, award, sale, exchange or transfer of Points, or attempt to do so, is a serious breach of these T&C. Any Points not earned and held in accordance with these T&C will be invalid and cannot be redeemed for Rewards. Any such Points on a Member Loyalty Account will be deducted and, if they are redeemed, we will cancel the relevant Rewards. Points have no cash value.
4.5. A Member who continues to collect Points will view his e-statement in the Program Portal including the Points collected and redeemed by such Member on their Loyalty Account..
5. REDEMPTION AND REWARDS
5.1. All Rewards are subject to availability and stocks may be limited. These transactions and all Rewards are subject to applicable terms and conditions (including booking requirements, cancellation restrictions, return conditions, warranties and limitations of liability) of the Reward’s suppliers and/or Merchants.
5.2. The number of Points required to redeem any Reward can be found on Program Portal and may change without prior notice.
5.3. At the time of requesting the reward, Member’s current Points balance must be at least equal to the total Points value that the Reward Member is requesting. Reward offers cannot be used in conjunction with any other Reward offers unless otherwise stated.
5.4. Once a Reward has been delivered or picked up, it cannot be returned or exchanged for points or other Rewards.
5.5. If the Reward is faulty, the Supplier’s warranty will apply and the Member must revert to the supplier for support and assistance.
5.6. If a product is out of stock, we will suggest a replacement and it is the Member’s decision to accept or refuse the replacement. Where a replacement is not taken then the Points will be credited back into Member’s account within 10 working days after notifying us.
5.7. Some Rewards may differ slightly from the image shown on the Program Portal
5.8. Rewards redeemed through the Program Portal will be delivered directly to the address provided within period stated by supplier.
5.9. Rewards which are not claimed within six months after the date of redemption will expire if the Member is not reachable on the address provided through the Program Portal.
6. OTHER REDEMPTION TERMS
6.1. Alinma Bank cannot be held liable for any loss, theft, damage or unauthorized use of Member’s PIN Code, or Reward, whether in the course of delivery or otherwise.
6.2. All conditions and warranties, whether expressed or implied and whether arising under legislation or otherwise, as to the condition, suitability, quality, fitness or safety of any Reward supplied are expressly excluded to the full extent permitted by law. Any liability that cannot be fully excluded is limited, where permitted, to replacing, repairing or crediting the value of the Reward at our discretion.
6.3. A Member must enter his/her personal PIN Code when conducting a redemption transaction in Alinma Loyalty Program. Additional security questions might be asked.
6.4. It is the Member’s responsibility to ensure the PIN Code is not compromised, shared with anyone, or mishandled. Any loss resulting from the unauthorized use of the Member’s PIN code is the Member’s responsibility alone.
6.5. The member will not be eligible for the redemption if the current account is inactive, overdrawn, blocked or delinquent.
7. OTHER GENERAL TERMS
7.1. Points have a one-year expiry date. They will be lost if expired. Additionally, they will be lost if the relevant Member’s Account is closed or Alinma Loyalty Program ends.
7.2. Redeemed Points cannot be used again. If a transaction on which Points are issued or redeemed is cancelled, reversed or not completed, the bank will reverse the associated Points movement. If insufficient Points are available, or we suspect fraud or misconduct, Rewards may be refused or cancelled.
7.3. Member is responsible for the security of his/her Member Account. If a PIN code is lost or the holder thinks an unauthorized person has become aware of any security code, password or account number, they should contact the bank Call Center at published number immediately and/or change the PIN through the Program Portals. The bank cannot be responsible for any unauthorized use of Points.
7.4. Alinma Bank may close any Member Loyalty Account on which no Points have been earned or redeemed for a continuous period of at least 6 months. The bank may also, on notifying the Member, immediately suspend or terminate the rights of any Member and/or close any relevant Member Account, if they breach these T&C, if we reasonably believe that they have dealt with Points in a manner not permitted by these T&C, if there is any theft from or misconduct in connection with the Program, if they supply false or misleading information to us or if they are abusive or offensive to any member of our staff. A Member can close his/her Loyalty Account at any time by notifying us. If a Member Loyalty Account is closed, Member’s rights to redeem Points from that Account are lost.
7.5. Alinma Bank may make changes to these T&C without prior notice. Earning or redeeming Points on a Member Loyalty Account will constitute acceptance of the revised T&C. We may suspend or terminate the Program but will give as much notice as we reasonably can before we do so. If this happens, all Member Accounts will be suspended or terminated.
7.6. We will only be liable to a Member who suffers loss as a result of our breach of these T&C and, if so, our sole liability will be to credit to the relevant Member Account any Points which have been wrongly deducted or should have been credited but were not. These T&C prevail in the event of any conflict or inconsistency with any other communications, including advertising or promotional materials.
7.7. Member can contact us by calling the bank Call center or sending us an email to . We may record calls to check the quality of our services or for training, audit or security purposes.
8. PROGRAM PORTAL TERMS OF USE
8.1. The Program Portals Terms of Use shall set out the legal conditions related to the Member’s use of and access to the Program Portals. By checking any acceptance boxes, clicking any acceptance buttons, submitting any text or content or simply by making any use of the Program Portals , Member (a) accepts these terms and agrees to be bound by each of them, and (b) represents and warrants to the bank that (i) Member is at least 18 years of age and have the authority to accept these terms (either on Member’s own behalf or by having a parent or legal guardian agree to the terms set forth herein on Member’s behalf), (ii) these terms are binding and enforceable against Member, (iii) to the extent an individual is accepting these terms on behalf of an entity, such individual has the right and authority to agree to all of the terms set forth herein on behalf of such entity, and (iv) Member has read and understood Alinma Bank Privacy Policy.
8.2. The purpose of the Program Portals Terms of Use is to set forth the terms and conditions under which, among other things, (i) the bank will license to the Member the use of certain of the bank's technology, software and/or services such that Member can utilize the Program Portals through Member’s mobile device, and (ii) Member can access and/or use the Website. As stipulated elsewhere herein, the bank does not exert any control over any Program Partner and Supplier, and as such is not liable or responsible for any actions taken or omitted to be taken by any such third party.
8.3. Alinma Bank hereby grants Member a non-transferable, non-exclusive, revocable, limited license to access and use the bank‘s Program Portals solely for the purpose outlined before. The bank may, from time to time, update or modify the Program Portals , release new versions of the Program Portals or create new modules related thereto, each of which may, at the bank's discretion, be included within the license described above. Member shall not be permitted to sublicense or transfer any of Member’s rights hereunder including, without limitation, access to the Program Portals .
8.4. Member shall not directly or indirectly copy or reproduce all or any part of the Program Portals whether electronically, mechanically or otherwise, in any form including, but not limited to, the copying of presentation, style or organization. Member shall use the Program Portals solely for its intended purposes and shall not use the Program Portals for the benefit of any third party except as specifically contemplated under these T&C. Member shall not use the Program Portals to post, transmit, convey, submit, distribute, store or destroy any content, photographs, descriptions, drawings, content, audio materials, text, messages or other information (collectively, "Posted Information"): (a) in violation of any applicable law, statute, ordinance or regulation. (b) in a manner that will infringe the intellectual property rights of others. (c) that is defamatory, obscene or trade libelous. (d) that contains any viruses, Trojan horses, worms, time bombs, cancel bots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. (e) that is false, misleading or inaccurate in any way. or (f) in violation of the any acceptable use policy or other policy posted at the Program Portals from time to time. Member shall not violate or attempt to violate the security of the Program Portals . Member shall not reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from the Program Portals , including, without limitation, any of the software comprising or in any way making up a part of the Program Portals . In addition, Member will not export, re-export or permit any third party to export or re-export, directly or indirectly, the Program Portals where such export or re-export is prohibited by applicable law without appropriate licenses and clearances. Member shall defend and indemnify the bank, at Member’s sole cost and expense, from and against any claims, damages, liabilities and/or expenses arising out of Member’s breach of any of Member’s obligations or representations set forth in this section.
8.5. Member shall be solely responsible for: (i) all Posted Information Member input into the Program Portals . (ii) ensuring that all Posted Information is appropriate in tone and is accurate. (iii) complying with all applicable laws, rules and regulations at all times. (iv) maintaining all passwords and access codes to the Program Portals , and refraining from sharing or otherwise permitting third parties to use any such passwords and/or access codes to access the Program Portals .
8.6. Alinma bank shall be entitled, at its sole discretion, to suspend, restrict and/or terminate, without notice of any kind, Member’s access to the Program Portals or Member’s Loyalty Account for any reason. Notwithstanding the foregoing, the bank shall not be required to review or monitor any Posted Information entered into the Program Portals or otherwise submitted by Member, and Member shall be solely responsible for the veracity and accuracy of all such data, content and information.
8.7. Access to the Program Portals will end if (i) Member and/or Alinma Bank provide written or electronic notice of termination (at which point Member shall no longer be entitled to access or use the Program Portals ), or (ii) Alinma Bank elects to terminate Member’s access to the Program Portals , with or without notice. For purposes of clarity, Member is entitled to terminate Member’s Loyalty account at any time. Upon termination of the Loyalty Account for any reason, Member shall no longer be entitled to access or use the Program Portals or any other non-public portions of the Website. In addition to the foregoing, in the event that Alinma Bank determines, in its sole and absolute discretion, that Member have breached the T&C, threatened to breach the T&C, committed any fraud or deception, breached any Alinma Bank policy in effect from time to time or otherwise failed to perform to the standards required of Alinma Bank , Alinma Bank shall be entitled, at its discretion and in addition to any other remedies it may have hereunder and/or at law, to terminate, cancel or suspend Member’s access to the Program Portals , in each of the foregoing cases at any time and for any period of time. Alinma Bank shall not be responsible for the return of any Posted Information of any kind to Member upon any termination or suspension of Member’s access to the Program Portals, including without limitation any information input into the Program Portals by Member.
8.8. All trademarks, patents, copyrights and other intellectual property rights owned by Alinma Bank and/or the Member on the date hereof shall continue to be owned solely by each of them, and except as set forth herein, nothing in these T&C shall be deemed to confer any rights to any such intellectual property on the other. Member acknowledges and agrees that the applicable supplier(s) of any third party software included within the Program Portals shall own all worldwide rights, title and interest in and to such third party software (and any intellectual property rights therein), subject to such suppliers' license, if any, of such third party software to the bank.
9. CONFIDENTIALITY TERMS
9.1. Member agrees to treat as confidential all confidential information of Alinma Bank, not to use such confidential information for any purpose other than to the limited extent necessary to use the Program Portals and not to disclose such confidential information to any third party except as may be reasonably required pursuant to these T&C and subject to confidentiality obligations at least as protective as those set forth herein. Without limiting the generality of the foregoing, Member shall use at least the same degree of care which Member uses to prevent the disclosure of Member’s own confidential information of like importance to prevent the disclosure of confidential information disclosed by the bank.
9.2. For necessary procedure and for quality and development purposes some personal information might be shared with a third party.
10. WARRANTY, DISCLAIMERS AND LIMITATION OF LIABILITY
10.1. Except as explicitly set forth herein, neither Alinma Bank, its affiliates or any of any such party's equity holders, directors, officers, employees, agents, suppliers, licensors nor the like, makes any warranties of any kind, either expressed or implied, including, without limitation, (a) warranties of merchantability or fitness for a particular purpose, (b) that the Program Portals will be error-free, (c) as to a minimum level of uptime for the Program Portals, or (d) as to the results that may be obtained by Member by accepting these T&C and/or using the Program Portals. Member agrees and acknowledges that the Program Portals are licensed and/or provided hereunder on an "as is" basis. In addition, Member hereby agrees and acknowledges that: (i) Alinma Bank shall not be responsible for any actions taken by any other party using the Program Portals or reviewing any of Member’s Posted Information. (ii) Alinma Bank does not recommend or endorse any third parties hereunder, and makes no representations or warranties whatsoever regarding any such third party. (iii) Alinma Bank is not a party to any transaction between Member and any Program Partner, Supplier, or business with which Alinma Bank has a business relationship, and as such, any disputes regarding purchases, rewards and/or any other aspect of any transaction or other commercial dealings is solely between Member and such third party. (iv) Alinma Bank is not responsible for any other party's compliance with applicable laws, rules or regulations. (v) Alinma Bank shall not, under any set of circumstances, be responsible or liable for any content, text, photographs and/or other Posted Information, including any Posted Information which may violate applicable law and/or a third party's intellectual property rights. and (vii) the Program Portals may not function properly or as intended at times.
10.2. Member is responsible, at Member’s sole cost and expense, for providing all equipment necessary to access the Internet, the Program Portals. While it is the bank objective to make the Program Portals accessible at all times, the Program Portals may be unavailable from time to time for any reason including, without limitation, routine maintenance. In addition, various portions of the Program Portals may operate slowly from time to time. Member understands and acknowledges that due to circumstances both within and outside the control of the bank access to the Program Portals may be interrupted, suspended or terminated from time to time. In particular, and not in limitation of the foregoing, the bank shall not be liable in any way for any delay in responding to an inquiry or question forwarded by Member or the effects any delay or unavailability may have on Member.
10.3. MEMBER AGREES THAT ALINMA BANK SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM ANY SUCH INTERRUPTION, SUSPENSION OR TERMINATION OF THE PROGRAM PORTALS AND THAT MEMBER SHALL PUT IN PLACE CONTINGENCY PLANS TO ACCOUNT FOR SUCH PERIODIC INTERRUPTIONS OR SUSPENSIONS OF THE PROGRAM PORTALS.
10.4. Alinma Bank shall not be liable to Member for failure or delay in performing any obligations hereunder if such failure or delay is due to circumstances beyond its reasonable control.
11. ASSIGNMENT
11.1. Member may not, without the prior written consent of Alinma Bank, assign the Agreement, in whole or in part, either voluntarily or by operation of law, and any attempt to do so will be a material default of the Agreement and will be void; provided, however, that in the event of a sale of substantially all of your assets or equity to a third party or any merger of your entity with an into a third party, this Agreement shall be deemed, without any further action on the part of any party, to automatically be assigned to and assumed by the acquirer in such transaction and as such, shall be binding on such acquirer. The Agreement will be binding upon and will inure to the benefit of the respective parties hereto, their respective successors in interest, legal representatives, heirs and assigns.
12. NO THIRD PARTY BENEFICIARIES
12.1. The Agreement is solely for the benefit of the parties and their successors and permitted assigns, and does not confer any rights or remedies on any other person or entity.
13. AMENDMENT; WAIVER
13.1. This Agreement may be changed by Alinma Bank upon posting an updated version of the Agreement at the bank’s website and/or within the applicable Alinma Loyalty Program, any such change to become effective 10 business days after posting such updated version of the Agreement as described above. The failure of either party to exercise or enforce any of its rights under the Agreement will not act as a waiver of subsequent breaches and the waiver of any breach will not act as a waiver of subsequent breaches.
14. FORCE MAJEURE
14.1. Neither party shall be liable to the other if such party is prevented from performing any of its obligations under the Agreement (excluding fee payment obligations) due to any cause beyond the party’s reasonable control including, without limitation, an act of God, fire, flood, explosion, terrorism, war, embargo, government regulation, civil or military authority, acts or omissions of carriers, transmitters, providers, or acts of vandals, or hackers. The time for that party’s performance will be extended for the period of the delay or failure to perform due to such occurrence, except that you will not be excused from the payment of any sums of money owed by you to Alinma Bank provided prior to the force majeure event.
15. INDEPENDENT CONTRACTOR
15.1. The Agreement will not be construed as creating or constituting a partnership, joint venture, or agency relationship between the parties. Neither party will have the power to bind the other or incur obligations on the other’s behalf without the other’s prior written consent.
16. COMPLIANCE WITH LAWS
16.1. Each party will comply with all applicable laws, regulations, and ordinances relating to their performance hereunder.
17. ENTIRE AGREEMENT
17.1. The Agreement constitutes the entire agreement between Alinma Bank and the Member with respect to the subject matter hereof and all prior oral or written agreements, representations or statements with respect to such subject matter are superseded hereby.