Terms and Conditions

1.1

Account Administrator: The person designated by the Client to manage the Darb account and oversee card usage and platform settings.

1.2

Authorized User: Any individual designated by the Client to use a Darb card, including drivers or fleet personnel.

1.3

Cards: Physical or virtual Darb cards issued to Clients for fleet management purposes.

1.4

Dashboard: Darb's digital platform that enables Clients to manage their cards, monitor transactions, and configure spending controls.

1.5

Client or You: The business entity or government agency registered in Saudi Arabia that applies for Darb services.

1.6

Darb or We: The fintech company licensed by the Saudi Central Bank and operating the fleet card management platform.

1.7

Electronic Money Account: The wallet system that holds Client funds for use in card transactions.

1.8

Know Your Customer (KYC): The electronic verification process required for compliance with Saudi Central Bank regulations.

1.9

Merchants: Authorized fuel stations and vehicle service providers that accept Darb cards.

1.10

Saudi Central Bank (SAMA): The regulatory authority responsible for overseeing Darb's financial activities.

2.1

Darb provides fleet card management solutions designed for businesses and government agencies in Saudi Arabia. Our services include:

• Physical and virtual card issuance
• Customizable spending controls
• Real-time transaction monitoring
• Comprehensive reporting and analytics tools
• Dashboard integration for centralized management

2.2

All services are subject to Saudi Central Bank regulatory compliance and require identity verification.

2.3

Client entities must be legally registered in Saudi Arabia and have legitimate business operations.

3.1

Clients must complete the electronic Know Your Customer (KYC) verification process, which requires:

• Valid business entity registration in Saudi Arabia
• Identity documents for authorized officials
• Proof of business address
• Entity banking information

3.2

At least one Account Administrator must be designated who bears full responsibility for account management and card usage.

3.3

Darb reserves the right to request additional documentation or clarifications during the approval process.

3.4

Darb reserves the right to reject or suspend any registration in case of non-compliance, incomplete documentation, or regulatory concerns.

4.1

Cards are issued subject to Darb's approval process and regulatory compliance requirements.

4.2

Each card must be activated by the designated Authorized User before first use through Darb's secure activation process.

4.3

Cards may be used only for business-related fuel and vehicle maintenance expenses at authorized merchants.

4.4

Clients can configure spending controls including merchant category restrictions, daily/weekly/monthly limits, time-based restrictions, and odometer reading requirements.

4.5

Cards remain the property of Darb and must be returned upon request or account termination.

4.6

Cardholders must ensure that Authorized Users take all reasonable steps to keep their cards, PINs, and any other personal security credentials safe. The Client is responsible for card usage, 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 upon Client request.

4.8

Clients are entitled to a refund for any unauthorized or incorrectly executed payment transaction. To claim a refund, the Client must notify Darb without undue delay, and no later than six (6) months from the date the transaction was debited from the account.

5.1 General Description

Darb may allow eligible Darb Cards to be added to and used through supported digital wallet or mobile wallet services, including Apple Pay, mada Pay, or any other wallet service made available by Darb from time to time ("Digital Wallets"). A Digital Wallet allows an eligible Darb Card to be digitally represented on a compatible mobile device, wearable device, or other supported device. When a Darb Card is added to a Digital Wallet, the actual card number may be replaced by a virtual card number, device account number, token, or other digital credential used to process transactions securely.

Apple Pay is a service provided by Apple and is subject to Apple's applicable terms and conditions. mada Pay and other Digital Wallets may be provided by their respective operators and may be subject to separate terms and conditions. Darb does not own or operate Apple Pay, mada Pay, or any third-party Digital Wallet.

5.2 Eligibility and Availability

Use of a Darb Card with a Digital Wallet is subject to eligibility, device compatibility, card status, merchant acceptance, applicable laws and regulations, payment network requirements, and Darb's approval.

Darb may determine, at its discretion, which Darb Cards are eligible for use with a Digital Wallet. Darb may also suspend, restrict, remove, or decline the use of any Darb Card in a Digital Wallet for security, fraud prevention, compliance, operational, or regulatory reasons.

A Darb Card may not be eligible for use with all Digital Wallets, all devices, all merchants, or in all countries. The availability and functionality of Digital Wallet services may change from time to time.

5.3 Adding a Darb Card to a Digital Wallet

To add a Darb Card to a Digital Wallet, the Cardholder may be required to complete authentication or verification steps, including verification through Darb, the Digital Wallet provider, the payment network, or another authorized service provider.

By adding a Darb Card to a Digital Wallet, the Client and Cardholder authorize Darb, its payment partners, payment networks, processors, and Digital Wallet providers to verify the Darb Card, provision the digital credential, process transactions, and exchange information required to provide and secure the Digital Wallet service.

The Client is responsible for ensuring that each Cardholder is authorized to add and use the relevant Darb Card in a Digital Wallet.

5.4 Use of Darb Cards in Digital Wallets

Transactions made using a Darb Card through a Digital Wallet will be treated as Darb Card transactions and will be subject to these Terms and Conditions, the Client's agreement with Darb, applicable card controls, spending limits, merchant category restrictions, available balance, transaction monitoring rules, and any other restrictions set by Darb or the Client.

Use of a Darb Card through a Digital Wallet does not change the Client's or Cardholder's responsibility for transactions made using the Darb Card. Digital Wallet transactions may be accepted wherever the relevant Digital Wallet, payment network, and contactless or online payment method are supported, subject to Darb's controls and applicable merchant acceptance.

Darb may apply the same or different transaction limits, controls, risk rules, and approval rules to Digital Wallet transactions as it applies to physical card, online, or contactless transactions.

5.5 Device Security and Cardholder Responsibility

The Client and Cardholder are responsible for keeping any device used with a Digital Wallet secure. This includes maintaining control of the device, using appropriate device security features, and keeping passcodes, passwords, biometric credentials, and authentication methods confidential.

If a device containing a Darb Card in a Digital Wallet is lost, stolen, compromised, accessed by an unauthorized person, or no longer under the Cardholder's control, the Client or Cardholder must immediately notify Darb and take available steps to suspend, remove, or disable the Darb Card from the Digital Wallet.

The Client and Cardholder may remain responsible for transactions made using the Darb Card through the Digital Wallet before Darb receives and processes notice of loss, theft, compromise, or unauthorized use, subject to applicable law and Darb's investigation.

5.6 Suspension, Removal, or Deactivation

Darb may suspend, remove, deactivate, or restrict a Darb Card from a Digital Wallet at any time where Darb considers it necessary or appropriate, including where:

• the Darb Card is cancelled, blocked, expired, suspended, or replaced;
• the Client account is suspended or terminated;
• the Cardholder is no longer authorized by the Client;
• Darb identifies suspected fraud, misuse, security risk, or unauthorized activity;
• Darb is required to do so by law, regulation, SAMA requirements, payment network rules, a Digital Wallet provider, or any competent authority;
• the device, Digital Wallet, or Darb Card no longer meets eligibility or technical requirements.

The Cardholder may also remove a Darb Card from a Digital Wallet through the relevant device or Digital Wallet settings, where supported.

5.7 Data, Privacy, and Information Sharing

When a Darb Card is added to or used through a Digital Wallet, Darb may process and share information with payment networks, processors, Digital Wallet providers, technology service providers, regulatory authorities, and other authorized parties as required to provide, authenticate, secure, monitor, and support the Digital Wallet service.

This information may include card information, token or device account information, Cardholder information, device information, transaction information, fraud and risk signals, authentication results, and other information required for provisioning, transaction processing, dispute handling, compliance, and security.

Darb will process personal data in accordance with its Privacy Policy, applicable data protection laws, SAMA requirements, and any other applicable regulatory requirements.

5.8 Third-Party Terms and Service Availability

Digital Wallet providers may impose their own terms, conditions, privacy policies, eligibility requirements, device requirements, software requirements, and service limitations. The Client and Cardholder are responsible for complying with those third-party terms when using a Darb Card in a Digital Wallet.

Darb is not responsible for the availability, functionality, performance, security, or operation of any third-party Digital Wallet, device, operating system, telecommunications network, merchant system, or payment terminal. Darb will not be liable for any failure or inability to use a Darb Card through a Digital Wallet where the issue is caused by a third-party Digital Wallet provider, device, merchant, network, operating system, or other third-party service.

5.9 Fees, Limits, Refunds, and Disputes

Darb Card transactions made through a Digital Wallet may be subject to the same fees, limits, controls, refunds, chargeback rules, and dispute processes that apply to other Darb Card transactions, unless Darb states otherwise.

Refunds for transactions made through a Digital Wallet will be processed in accordance with the relevant merchant policy, payment network rules, Darb's processes, and applicable law.

5.10 Changes to Digital Wallet Services

Darb may amend, suspend, discontinue, or change the availability of Digital Wallet support at any time, subject to applicable law and regulatory requirements. Continued use of a Darb Card through a Digital Wallet after any change constitutes acceptance of the updated terms.

6.1

Exchange Rate Source: All transactions made in a currency other than the card's billing currency will be converted using the Visa exchange rate applicable on the transaction processing date. The Visa exchange rate is determined by Visa and may differ from the rate on the transaction date.

6.2

Darb's Foreign Exchange Margin: Darb applies a margin fee on the foreign exchange rate in addition to the Visa exchange rate. The current margin fee is 2.75% excluding VAT. This fee is added to the converted amount and will appear in the final amount debited from your account.

6.3

Exchange Rate and Fee Variations: The exchange rate and margin fees applied to the following transaction events may differ from those used at the time of original authorization:

• Settlement (when the merchant completes the transaction).
• Refunds.
• Authorization reversals.

6.4

Client Responsibility: By using Darb's 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 resulting from these currency fluctuations.

7.1

Darb charges the following fees:

7.2

Clients will receive invoices detailing fees charged. All invoices must be paid within 3 business days of issuance.

7.3

Failure to pay invoices on time may result in service suspension, card deactivation, or legal collection actions.

7.4

All fees exclude VAT and other applicable taxes.

7.5

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 Darb to make such deductions without requiring further consent.

8.1

Darb complies with the Personal Data Protection Law (PDPL) and SAMA's Cybersecurity Framework.

8.2

Client data, including transaction records and cardholder information, will be stored securely within Saudi Arabia unless otherwise permitted by SAMA.

8.3

Darb may share Client data with regulatory authorities, law enforcement, or authorized third parties where required by law.

8.4

Clients are responsible for informing their users about Darb's data processing policies and obtaining any necessary consents.

9.1

The Dashboard enables Clients to:

• View transaction history and fuel consumption.
• Configure card usage controls (such as time restrictions and spending limits).
• Set budgets per card.
• Activate or deactivate cards.
• Track odometer readings and related data.
• Manage driver and vehicle assignments.
• Create and manage spending policies.
• Monitor alerts for suspicious or policy-violating behavior.
• Export transaction reports.

9.2

Clients are responsible for maintaining the confidentiality of access credentials.

9.3

Darb may suspend Dashboard access in case of security breach, policy violation, or non-payment.

10.1

Darb is committed to safeguarding client funds in accordance with applicable regulatory requirements. All client funds are held in segregated accounts with licensed financial institutions and are not commingled with Darb's operational funds.

10.2

Your wallet can only be topped up via bank transfer to Darb's designated account. Processing times may vary depending on the issuing bank.

10.3

Clients are responsible for ensuring accurate reference details during top-up transactions to avoid delays in fund allocation.

10.4

Darb reserves the right to set minimum or maximum top-up limits and may refuse or delay top-ups if they appear suspicious or violate applicable regulations.

10.5

Funds deposited on the platform do not earn interest and may only be used for authorized business transactions through Darb's system.

10.6

In case 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.

10.7

The Account Administrator may request cash-out of funds held in their Darb wallet at any time. Cash-outs will be processed at par value to the Client's registered bank account on file. Any applicable cash-out fees, which will be disclosed to you in our fee schedule, must be proportionate to the actual costs incurred by Darb.

11.1

Darb is licensed and regulated by the Saudi Central Bank.

11.2

Clients must not use Darb cards or services for money laundering, terrorism financing, or any activity prohibited under Saudi law.

11.3

Darb may freeze funds or suspend access upon authorization from SAMA or relevant authorities.

11.4

Clients agree to cooperate with any investigation or audit conducted by Darb or regulatory authorities.

12.1

Darb shall not be liable for:

• Indirect or consequential damages.
• Transactions occurring before loss or theft of card is reported.
• Third-party system outages or ATM malfunctions.

12.2

Client agrees to indemnify Darb against claims arising from platform misuse, user negligence, or violation of laws.

12.3

In accordance with SAMA guidelines, Clients have the right to raise disputes regarding unauthorized or incorrect transactions, which will be investigated and resolved according to regulatory timelines.

13.1

Either party may terminate this Agreement with 30 days' written notice.

13.2

Darb may terminate immediately in cases of:

• Suspected fraud or illegal use.
• Breach of Agreement terms.
• Regulatory order or compliance concerns.

13.3

Upon termination:

• All active cards will be deactivated.
• Remaining balances will be refunded (subject to Client identity verification).
• Client access to Dashboard and reports will be revoked.

14.1

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.

14.2

If you do not agree to the proposed changes, you have the right to terminate this Agreement immediately and without any fees by notifying us at any time before the changes take effect.

14.3

Continued use of the platform constitutes acceptance of the amended terms.

15.1

This Agreement is governed by the laws and regulations of the Kingdom of Saudi Arabia.

15.2

Disputes are resolved by the competent courts in Riyadh.

16.1

Our Commitment: Darb is committed to providing excellent service and will handle any client complaints in a fair, effective, and timely manner.

16.2

How to Submit a Complaint: If you are dissatisfied with any aspect of our service, you can submit a complaint through one of our dedicated channels:

• Email: complaints@darbpay.com
• Toll-free number (within Saudi Arabia): 8001110980
• Client Dashboard: via the "Support" or "Help" section in your Darb dashboard.

16.3

Complaint Handling Procedures:

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 from the date of receiving the complaint.

c) If our investigation requires additional time for reasons beyond our control, we will notify you of the delay and provide a new timeline, not exceeding thirty (30) calendar days from the date you first submitted the complaint.

16.4

Escalation: If you are not satisfied with our final response, you have the right to escalate your complaint to the Saudi Central Bank (SAMA).

18.1

Clients may request a copy of this Agreement at any time via email or through their account dashboard.

18.2

Clients have the right to clear information about all applicable fees, responsibilities, and timelines.

18.3

Darb is committed to transparency, fairness, and compliance with client protection principles issued by the Saudi Central Bank.