Customers wishing to settle payments to Al Mulla International Exchange Company (hereinafter referred to as the “Company”) via the Knet online payment gateway are kindly requested to carefully read these Terms and Conditions before completing the payment process.

  1. Use of Payment Method
    Payment shall be made through the Knet online payment gateway using a Knet card only.
  2. Acceptance and Commitment
    The customer explicitly confirms that he they have read and accepted these Terms and Conditions, and renews their acceptance of them each time the service is used, in addition to any supplementary terms or conditions that may be issued by the Company from time to time.

    By using the online payment service, you agree to comply with all the Terms and Conditions stated herein, and your agreement shall be is considered as an acknowledgment from you of its correctness. If you do not agree, please do not proceed with the payment process. These Terms and Conditions are complementary to any other Terms and Conditions that may be applied by The Shared Electronic Banking Services Company (referred to as the “KNET”) and do not override them. The service provided is intended for personal use only, and the customer is solely responsible for any transaction conducted through their mobile device and/or computing devices.
  3. Role of the Company
    The responsibility of Al Mulla International Exchange Company is limited to facilitating the payment process by providing a secured link to the payment gateway service provider or the bank, which enables customers to complete online payment transactions. This page may contain links to other websites affiliated with the Company. The Company shall not be responsible for any content or damages resulting from such links. The customer alone shall be held responsible for any losses incurred, or incurred by Al Mulla International Exchange Company, or by The Shared Electronic Banking Services Company “KNET” or others, due to fraudulent activities or any breach of these Terms during the use of the service.
  4. Taxes and Fees
    In the event that any taxes or fees are imposed by the payment service provider or the bank, the customer shall be responsible for settling them and shall not be entitled to claim any compensation from the Company in this regard. The Company shall also not be responsible for any costs, taxes, or penalties arising therefrom.
  5. Indemnity and Liability
    The customer agrees to indemnify and defend Al Mulla International Exchange Company against any claims, losses, damages, or actions arising from improper use of the online payment service, including any direct or indirect damages. Al Mulla International Exchange Company, its employees, agents, officers, or directors, or The Shared Electronic Banking Services Company “KNET” shall not hold any liability for any direct or indirect losses, damages, losses, or costs resulting from delay, interruption, suspension of the service, or any factors beyond the Company’s reasonable control, or any other losses resulting from the use of the service.

    The customer agrees to the right of Al Mulla International Exchange Company to stop, freeze, or hold any suspicious or fraudulent transfer transaction based on a request, notification, or instruction from the relevant authorities, or a complaint from a third party, or as deemed necessary by the Company, or upon request from the local bank (the issuer of the bank card used for the payment). Accordingly, the Company shall have the right to return or refund the amount(s) to the local bank, or retain or suspend the amount until a decision is issued by the official authorities regarding the disposition of the funds, without any entitlement from the customer to claim compensation.
  6. Provided Information
    All payment transactions are processed based on the information provided by the customer. The Company shall not be responsible for any mistake in the provided data or for any other reasons related to such information. The customer acknowledges full responsibility for any losses arising from any mistakes in the information or instructions provided by the customer to the Company.
  7. Security
    The service is provided through a secure payment gateway; however, the Company does not guarantee complete security of information provided over the internet or its immunity from interception or unauthorized access. The Company shall not be responsible for any breaches or interceptions of the information provided.
  8. Ownership Declaration
    I acknowledge that I am the lawful owner of the transferred funds and have the legal authorization to carry out this transfer. I confirm that I am not acting on behalf of any third party, and that the source of funds is legitimate and lawful, and that the purpose of the transfer is legal. In case of any violation of this, I accept full legal responsibility for my actions, and the company shall not bear any legal liability resulting from my non-compliance with the instructions.
  9. Data Protection
    I understand that Knet card data may be exposed to unauthorized use or fraud, and that the company and its employees are not responsible for these risks. I commit not to share my login details or password with any third party.
  10. Accuracy of Information
    I acknowledge that all provided data is true and accurate, and that I will not use a bank card that is not legally owned by me, nor will I share it with any other party. I further acknowledge that the Company is not responsible for any unlawful use of such data. I shall be responsible for ensuring the security of my data and for taking the necessary precautions to prevent any fraud or unauthorized use of such data.
  11. Limitation of Liability
    I release the Company from any liability or compensation claims for damages arising from circumstances beyond its control, such as changes in laws or procedures in the country of transfer. The Company’s liability shall be limited to refunding the amount after deduction of applicable fees and exchange rate differences, and I shall not be entitled to claim any exchange rate differences.
  12. Confidentiality of Information
    The data provided will be processed confidentially and privately, and will not be shared with any third party except in accordance with legal, regulatory, or judicial requirements. The client alone bears all legal responsibilities arising from sharing their personal data and information with any third party or others.
  13. Proof of Payment
    Upon confirmation of the payment, a receipt containing the transaction number will be issued. Please retain it for future inquiries, as it shall be considered as proof of successful completion of the payment.
  14. General Terms

    Non-Compliance with Terms
    In the event that any clause of these terms and conditions is unenforceable, it will not affect the legal validity of the remaining clauses. Any potential delay in enforcing the company's rights shall not be considered a waiver of those rights. The company reserves the right to assert these terms and conditions at any time in the future.

    Governing Law, Jurisdiction, and Language:
    Notice:
    The customer will be contacted if there is a need to provide supporting documents or additional information require to complete the transaction.