Last Updated on: [Feb 6, 2024 ]
Darb operates darb.com. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of personal information received from users of our Website.
Personal Information we may collect personal information, such as names, email addresses, phone numbers, and other information provided voluntarily by users through forms or other interactions on our Website.
We use collected information to respond to user inquiries, provide requested services, and improve the overall user experience on our Website.
We do not sell, trade, or transfer personal information to third parties without users' consent, except as required by law.
Our Website may use cookies and similar technologies to enhance user experience, collect analytics data, and improve the functionality of the site.
We take reasonable measures to protect user information from unauthorized access, disclosure, alteration, or destruction.
Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of such sites.
We may update this Privacy Policy periodically. Users are encouraged to review this page for any changes.
Users may opt out of receiving promotional communications from us by following the instructions provided in such communications.
Last Updated: 22.07.2025
These Terms and Conditions ("Agreement") govern your use of Darb’s services, including the issuance and management of fleet cards, access to transaction dashboards, expense reporting, and compliance features. This Agreement is legally binding between you ("Client", "you", or "your") and Darb ("we", "us", or "our").
Account Administrator: Authorized person managing the Client account.
Authorized User: A driver or employee to whom a Darb Card is issued.
Card: A payment instrument (physical or virtual) issued under Darb linked to the Client's funding source.
Dashboard: Web or mobile interface provided by Darb to manage transactions, cards, limits, and alerts.
KYC: Know Your Customer checks in accordance with SAMA regulations.
SAMA: Saudi Central Bank.
Wallet: The electronic money account associated with the Darb card program.
Darb services are offered subject to applicable SAMA regulations and other relevant laws of the Kingdom of Saudi Arabia.
Clients must designate an Account Administrator responsible for account management, card assignments, and user permissions.
Clients shall undergo a verification process conducted by Darb in accordance with SAMA’s Know Your Customer (KYC) requirements. This process is completed electronically, and clients are not required to submit physical documents unless specifically requested for regulatory or risk related reasons.
Darb reserves the right to reject or suspend any registration in case of non compliance, incomplete documentation, or regulatory concerns.
4.1 Clients can request card issuance through the Darb platform. Card orders are subject to approval, card type selection (e.g., physical or virtual), and applicable fees as outlined in the platform.
4.2 All newly issued cards must be activated by the assigned user before use.
4.3 Cards may be assigned to individuals (e.g., drivers) as per Client configuration.
4.5 Cardholders must use the cards strictly for approved business expenses. Personal use is strictly prohibited.
4.6 The Cardholder must ensure its Authorized Users take all reasonable steps to keep their Card, PIN, and any other personalized security credentials safe. The use of the Card is the responsibility of the Client, and personal use by Authorized Users is strictly prohibited.
4.7 Darb reserves the right to deactivate any card in case of suspicious activity, fraud risk, regulatory non compliance, or per Client request.
4.8 The Client has the right to a refund for an unauthorized or incorrectly executed transaction. To claim a refund, the Client must notify Darb without undue delay and, in any event, no later than six (6) months from the date the transaction was debited from the account.
All transactions made in a currency other than the card’s billing currency will be converted using the Visa exchange rate applicable on the date the transaction is processed. The Visa exchange rate is determined by Visa and may differ from the rate on the transaction date.
Darb applies a foreign exchange markup fee on top of the Visa exchange rate. The current markup fee is 2.75% exclusive of VAT. This fee is added to the converted amount and will be reflected in the final amount charged to your account.
The exchange rate and applicable markup fee used for the following transaction events may differ from those used at the time of the original authorization:
By using Darb services, you acknowledge and accept that exchange rates and fees may vary depending on the timing and nature of the transaction and that Darb is not responsible for any loss or gain due to such currency fluctuations.
| Fee Type | Amount |
|---|---|
| Annual Subscription Fee | Communicated at the time of card ordering |
| Card Issuance Fee | Free |
| Card Replacement Fee | Free |
| Cash Withdrawal Fee | Not Applicable |
| Balance Inquiry Fee | Not Applicable |
| International Transaction Fee | 2.75% of transaction amount |
6.2 Clients will receive invoices with itemized charges. All invoices are payable within 3 business days of issuance.
6.3 Failure to pay invoices on time may lead to service suspension, card deactivation, or legal collection procedures.
6.4 All fees are exclusive of VAT and other applicable taxes.
6.5 Darb reserves the right to deduct any applicable fees, charges, or penalties directly from the client’s wallet or available account balance. By using the service, the client authorizes such deductions without the need for further approval.
7.1 Darb complies with the Personal Data Protection Law (PDPL) and SAMA's Cybersecurity Framework.
7.2 Client data, including transaction records and cardholder information, will be stored securely within Saudi Arabia, unless otherwise permitted by SAMA.
7.3 Darb may share client data with regulators, law enforcement, or authorized third parties where legally required.
7.4 The Client is responsible for informing its users about Darb's data handling and obtaining any necessary consents.
8.2 Clients are responsible for the confidentiality of access credentials.
8.3 Darb may suspend dashboard access in the event of a security breach, policy violation, or non payment.
9.1 Darb is committed to safeguarding Client funds in accordance with applicable regulatory requirements. All customer funds are held in segregated accounts with licensed financial institutions and are not commingled with Darb’s operational funds.
9.2 Top ups to your wallet can only be made via bank transfer to the designated Darb account. Processing times may vary depending on the originating bank.
9.3 Clients are responsible for ensuring accurate reference details during top ups to avoid delays in fund allocation.
9.4 Darb reserves the right to set minimum or maximum top up thresholds and may reject or delay a top up if it appears suspicious or violates applicable regulations.
9.5 Funds uploaded to the platform do not earn interest and may only be used for authorized business transactions via Darb system.
9.6 In the event of account closure, remaining client funds (after settlement of all dues) will be returned to the registered bank account on file within a reasonable timeframe, subject to compliance checks.
9.7 The Account Administrator has the right to request the redemption of the monetary value of the funds held in their Darb Wallet at any time. Redemptions will be processed at par value to the Client's registered bank account on file. Any applicable redemption fees, which will be disclosed to you in our fee schedule, shall be proportionate to the actual costs incurred by Darb.
10.1 Darb is licensed and regulated by SAMA.
10.2 Clients must not use Darb cards or services for money laundering, terrorism financing, or any activity prohibited under Saudi law.
10.3 Darb may freeze funds or suspend access where mandated by SAMA or relevant authorities.
10.4 Clients agree to cooperate in any investigation or audit conducted by Darb or regulatory authorities.
11.1 Darb shall not be liable for:
11.2 The Client agrees to indemnify Darb against claims arising from misuse of the platform, negligence by users, or violation of laws.
11.3 In accordance with SAMA guidelines, clients have the right to raise disputes on unauthorized or incorrect transactions, which will be investigated and resolved as per regulatory timelines.
12.1 Either party may terminate the Agreement with 30 days’ written notice.
12.2 Darb may terminate the Agreement immediately for:
12.3 Upon termination:
13.1 Darb may amend these Terms and Conditions at any time by providing you with at least thirty (30) days prior written notice via email or the Darb Dashboard.
13.2 If you do not agree with the proposed changes, you have the right to terminate this Agreement immediately and without any charge by notifying us at any time before the changes take effect.
13.3 Continued use of the platform constitutes acceptance of the revised terms.
14.1 This Agreement is governed by the laws and regulations of the Kingdom of Saudi Arabia.
14.2 Disputes shall be resolved by the competent courts in Riyadh.
15.1 Our Commitment: Darb is committed to providing excellent service and will handle any client complaints in a fair, effective, and timely manner.
15.2 How to File a Complaint: If you are dissatisfied with any aspect of our service, you may file a complaint through one of our dedicated channels:
15.3 Complaint Handling Procedure:
a) We will acknowledge receipt of your complaint within forty eight (48) hours and provide you with a unique reference number for tracking.
b) We will investigate the complaint and provide you with a complete written response and resolution within ten (10) calendar days of receiving the complaint.
c) Should our investigation require more time for reasons beyond our control, we will notify you of the delay and provide a new timeline, which will not exceed thirty (30) calendar days from the date you first filed the complaint.
15.4 Escalation: If you are not satisfied with our final response, you have the right to escalate your complaint to the Saudi Central Bank (SAMA).
For inquiries or support:
17.1 Clients may request a copy of this Agreement at any time via email or through their account dashboard.
17.2 Clients are entitled to clear information on all applicable fees, responsibilities, and timelines.
17.3 Darb is committed to transparency, fairness, and compliance with SAMA's customer protection principles.
By using Darb, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
