Terms & Conditions

Effective Date: January 29, 2026

1. Agreement to Terms

By accessing our services, you agree to be bound by these Terms and Conditions.

2. Services

JoinMoni provides financial services including banking, loans, investments, and advisory services.

3. Account Registration

You must provide accurate information when creating an account and maintain the security of your credentials.

4. Fees and Charges

Applicable fees will be disclosed prior to service activation. You are responsible for all charges incurred.

5. Limitation of Liability

JoinMoni is not liable for indirect, incidental, or consequential damages arising from service use.

6. Governing Law

These terms are governed by the laws of the Kingdom of Saudi Arabia.