Terms & Conditions


1. Definitions :

The Following words and expressions in this terms and conditions shall have the meaning assigned to them, unless the context requires otherwise:

The Company: means Credit Information Network Company “Ci-Net”;
Device: includes personal computers, laptops, computer tablets, mobile phones, smart phones, wearable devices (watches, fitness trackers), connected car system devices and any other similar devices that may be connected to the internet;
Digital Service: includes all internet and mobile services provided by Ci-Net whereby the user can purchase through computer terminals and Devices: and
User / Customer: means the registered customer of Ci-Net, individual to whom the service is provided. The User hereby acknowledges, understands and accepts the following Terms and Conditions:

2. Eligibility :

A) Ci-Net reserves the right to refuse an application for the Digital Service and may in its sole discretion withdraw, cancel or modify the Digital Service and/or these Terms and Conditions.
B) Before accessing any new facilities related to the Digital Service, the User is required to confirm his acceptance electronically of the associated terms and conditions. The User understands that such acceptance via electronic media will be sufficient and legally binding.
C) The user undertakes to provide any additional documents that the company may request before approving any modifications or additional services under the digital service that Ci-net shall provide to the user. If the user fails to comply with the above requirements, the user shall not be eligible to obtain the modified digital service and in this case the company reserves its right to withdraw the service already provided to the user at its discretion.
D) Product application in online and mobile app will be subject to eligibility and risk policy.
E) Users are encouraged, to download the latest available version of the apps on the App Stores to benefit from the adequate security protection. Similarly, Users are advised to use only compatible browser versions with the internet services and have anti-virus software installed and active on their device at all times.
F) Individuals under the age of 21 are not eligible to be registered as a user of the Website or mobile app
G) The user acknowledges and accepts that the mobile phone number that he uses to register the use of the digital service shall be the same number on which he shall receive the authorization code which is a one-time secret number (OTP) and the user shall be responsible for keeping his device protected at all times and the periodic commitment to update data Contact and its mobile phone number in the records of Company in the event they are lost or changed.

3. Responsibility :

A) The Company’s Digital Service is provided for us entirely upon the request and risk of the User.
B) The User acknowledges that Ci-net shall not be liable or responsible in any way for any loss or damage resulting directly or indirectly from any technical defect, interruption or use of the company's digital service in general.
C) Ci-Net’s record of any transaction processed for the use of the Digital Service shall be conclusive evidence of such transaction and binding on the User for all purposes.
D) Ci-Net shall not responsible for any erroneous payments that are paid to automated banking services or credit card institutions arising out of any inaccurate information provided by the user as part of processing the relevant transaction. The User further confirms and agrees to Waive off any right, which the User may otherwise have for holding Ci-Net responsible for any error or omission caused by the use of the Digital Service and any delay on the part of Ci-Net in the course of providing the service.

4. Confidentiality :

A) The User undertakes not to disclose any passwords authentication code and/or user identification code relating to his account and/or its use of the Digital Service to any other person.
B) The User acknowledges that the Digital Service is the property of Ci-Net which has the copyright and intellectual property of all software, programs, documentation and applications related to the Digital Service including any subsequent amendments that may be affected too it in any form in future.
C) The User agrees to treat the access rights, documentation or any other information related to the Digital Service as strictly private and confidential at all times and shall not copy or reproduce any of the foregoing in any form whether in whole or in part or allow access to any other parties whether they are individuals or companies to use the digital service.
D) The User undertakes not to share any of the Devices which are used to access the Digital Service with any third party regardless of the proximity and pledges to use passwords to protect against the unauthorized use of such Device where possible. The User also undertakes to indemnify Ci-Net against all loss or damage, which may occur as a result of allowing any third party to access such Devices which are able to connect to the Digital Service.

5. Consent Form:

I, the undersigned customer, hereby declares and undertakes to fully and unconditionally authorize the Credit Information Network. to generate and extract a detailed credit report on all my credit information, including the analytical and detailed information with credit scouring indicators regarding my full credit status which includes all types of consumer loans, installments loans, guarantees and credit facilities granted by way of sale in any form by transfer of ownership in installments of goods in accordance with the provision of law no. 9 for the year 2019 and its regulations and decisions issued in execution of it; along with its subsequent amendments. The Credit Information Network KSCC (Ci-Net) shall not be responsible for any loss or damage resulting from the invalidity or inaccuracy of the personal data or credit data in the report or for any losses resulting from my use of this report in any way whatsoever. I also declare and undertake to pay the fixed fees for generating the required credit report. This is a declaration, authorization and consent from me regarding the above mentioned conditions.

6. Credit Report request to send via email :

The user acknowledges and agrees that if he requests to a copy of his credit report or to be sent to his e-mail ID registered in the application, by which he authorizes the company to inquire about his data in accordance with what is mentioned in item No. (5) of these terms and conditions, and shall absolve the company of any liability Legal consequences that may arise from this matter., The user also acknowledges, undertakes and agrees individually and on his personal and legal responsibility to bear all risks resulting from the transmit of these reports or documents by e-mail without the slightest responsibility on the company.

7. Data Policy :

A) The User acknowledges that Ci-Net may collect content and information that the User provides when using the Digital Service including but not limited to transaction details, Device model, GSM operator, location, frequency and duration of use, crash reports.
B) Ci-Net may also collect information from or about the Device where the User has installed or accessed Digital Services, depending on the permissions granted by the User.
C) Ci-Net may also use the collected information to deliver enhanced Digital Services, personalize content and make suggestions by understanding User's interaction through different Digital Services.
D) Ci-Net may also use User's information to respond User's queries related to Digital Services. In addition, Ci-Net shall use the information to verify accounts and activity of the User, and to promote safety and security on and off Digital Services, such as by investigating suspicious activity or violations of Ci-Net’s General Terms and Conditions.
E) The User acknowledges and unconditionally agrees that Ci-Net has the right to keep and store collected information and data to provide products, services and Digital Services to the User.

8. Disclaimers:

A) The information contained in this web site is provided by company is general information which may or may not reflect the most current legal developments and n is not intended to constitute or to be considered a reference or legal advice. Therefore, the company shall not assume nor accept any responsibility for the information, the company provides or for the way in which this information should be used, or any actions taken in consequence of the use of such information. Moreover, the company doesn’t give any guarantees, undertaking or warranties concerning the accuracy, completeness or up-to-date nature of the information provided on this website.
B) In no event will company or its employees, be liable for any direct, indirect, incidental, special or consequential damages that may result from the use of, or the inability to use, any content, information, material or postings found through the Service or the Service itself. Moreover, the company doesn’t assume any liability or responsibility for any errors or omissions in the content of this site, or any deletion or suspension of any contents on this site, and further disclaims any liability of any nature for any loss howsoever caused in connection with using this website.
C) The Company makes all efforts to assure that its website is free of viruses but the company but does not guarantee that the site is free of viruses. The Company disclaims any liability or responsibility for any viruses that may exist on its site.

9. Governing law :

This Agreement shall be governed by and construed in accordance with the laws of Kuwait and as per Islamic sharia law. Whenever possible, each provision of the Agreement shall be interpreted in such manner as to be effective and valid under applicable law, but if any provision hereof shall be prohibited by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement. If there any discrepancy between the Arabic and English text, the Arabic text shall prevail and be interpreted as the governing language.

10. Marketing communications :

The User agrees to receive Ci-Net newsletters and campaigns. The User has the full right to unsubscribe and cancel the subscription to this service at any time via the link sent to the email .