Privacy Policy and Terms of Use
Last updated: March 2026 - Saqf Business Services Gateway Company
First: Platform Introduction
Saqf is a digital platform owned by Saqf Business Services Gateway Company, aimed at facilitating access to institutions and companies specialized in the construction sector by displaying their work, services, and contact methods.
Second: Terms Definitions
- Platform: Saqf Platform.
- Platform Services: Data and information related to service providers.
- User: Anyone who browses or uses the platform.
- Service Provider: Any specialist practicing construction activities according to the platform classification.
- Account: Service provider account within the platform.
- Platform Classification: The approved classification for dividing construction activities.
- Customer: A person who seeks or requests services from service providers through the platform.
Third: Terms and Conditions
Notice: The platform is a technical intermediary only to connect clients and providers. By using the platform you accept these terms in full and acknowledge that you bear full responsibility for your decisions and transactions.
Registration Terms for Service Providers
- Valid commercial registration linked to the activity within the platform.
- Valid mobile number for registration and communication.
- The user must be at least eighteen (18) years old; the platform is not responsible for registration that violates this requirement.
- Please ensure all provided data is accurate; accounts may be suspended or deleted if information is incorrect or misleading.
Content and Intellectual Property
- Only images and works that the service provider has the right to use may be published.
- The service provider bears full responsibility for any violation related to intellectual property rights, and the platform bears no liability in this regard.
- If there are multiple activities, each activity is registered independently according to the platform packages.
Usage Rules
- The platform may suspend or delete any account in case of legal or ethical violations or anything affecting service quality.
- All agreements between service providers and users are made directly between the parties, and the platform bears no responsibility for service quality or resulting obligations.
- The platform does not interfere in modifying or reviewing data provided by service providers or users, and the responsibility for verification lies with them.
- The platform has the right to block or remove any inappropriate or non-compliant content.
- Reuse or copying of platform content is not allowed except with prior written approval.
Payment guarantee and fund management (secure payment / Escrow)
Saqf applies a secure payment (Escrow) system to manage funds between the client and the service provider, as follows:
1. Nature of the platform’s role (technical intermediary only)
All users acknowledge that Saqf:
- Acts only as a technical and financial intermediary to manage payments
- Is not a party to any agreement or contract between the client and the service provider
- Does not provide the requested service and does not participate in its performance
- Bears no legal or contractual obligation regarding the quality or outcome of the service
The contractual relationship is direct and exclusive between the client and the service provider only.
2. Holding funds (escrow account)
Saqf holds amounts paid by the client (in full or in part) in a technical/operational escrow account, and does not transfer them to the service provider until payment release conditions are met.
3. Releasing milestone payments
Amounts are released to the service provider when one of the following occurs:
- The client’s express approval
- Expiry of the review period without objection
- Availability of evidence that the milestone is complete
- A decision issued by Saqf or a competent authority
Failure by the client to respond within the specified period constitutes final acceptance.
4. Disputes
If a dispute arises:
- The disputed amount is frozen
- Saqf reviews the available evidence
- The platform may issue a binding decision including:
- Payment to the provider
- Refund of the amount
- Split allocation
The platform is not responsible for the outcome of the dispute; its role is limited to managing the process.
5. Prohibition of off-platform payments
Completing any payments outside Saqf to bypass the escrow system is prohibited.
In case of violation:
- Financial protection is forfeited
- The platform bears no liability
- The platform may suspend the account and take necessary measures
6. Protection against chargebacks
The client acknowledges that:
- All payments were made with their full consent
- They may not request a bank chargeback outside the platform
If they do so:
- That constitutes an explicit breach
- They must compensate the platform for:
- The transaction amount
- Bank fees
- Any damages
The platform may:
- Deduct the amount from any balance
- Suspend the account
- Take legal action
7. Disclaimer
Saqf is not liable for:
- The quality or results of the service
- Any party’s performance of obligations
- Any direct or indirect losses
Its role is limited to providing an intermediary platform for financial operations.
8. Delay and force majeure
Saqf is not liable for delay resulting from:
- Technical failures
- Payment systems
- Security verification
- Force majeure
9. Fees and deductions
Saqf may deduct:
- Service fees
- Commissions
- Any regulatory obligations
10. Compliance and anti-fraud
The platform reserves the right to:
- Suspend transactions
- Request additional verification
- Freeze the account
- Report to competent authorities
11. Finality of transactions
All financial transactions are deemed final and non-cancellable once executed, except as determined by the platform or applicable regulations.
12. Binding acceptance of terms
The user expressly acknowledges and agrees that:
- Placing a service request or clicking “Execute order” or any similar control within Saqf
- Constitutes express, final, and legally binding acceptance of:
- All terms and conditions
- The payment policy
- The disputes policy
- All policies related to the platform
The user also acknowledges that they:
- Have read and understood these terms in full
- Bear full legal and financial responsibility arising from use of the platform
They may not later claim lack of knowledge or lack of consent to these terms.
Fees and Services
- Platform use is free for users.
- Package fees apply only to service providers.
- Advertising services are available for a fee; contact support@saqf.com or info@saqf.sa.
- The platform bears no responsibility for any financial transactions between users and service providers.
Notifications
- All notifications sent through the platform or email are considered official and binding.
- Service providers must verify the source of notifications; the platform is not responsible for messages not sent from its official accounts, or for delay, non-delivery, or failure.
General limitation of liability
To the maximum extent permitted by law, the platform, its company, employees, and agents are not liable for any direct, indirect, incidental, consequential, or punitive damages or losses of any kind, including without limitation loss of profits, data, reputation, or cost of substitute services. You assume full responsibility for your use of the platform and your transactions.
Fourth: Privacy Policy
Data Collection
We collect and store personal data provided by users or service providers in accordance with the Personal Data Protection Law (Royal Decree No. M/19 dated 9/2/1443 AH), including: name, mobile number, email, geographical location, uploaded photos/videos, and information submitted within platform services. We use Firebase Cloud Messaging (Google) to deliver push notifications and register device tokens, and we process payments through MyFatoorah payment services.
Processing purposes: providing services, managing accounts, identity verification, payment processing, and improving the platform (including AI assistant interactions and behavior/recommendation events such as searches, clicks, and impressions). Users have rights to access, correct, delete, and request portability of their data by contacting us. Where applicable, additional rights under GDPR/CCPA are respected according to local law.
The platform is not responsible for data leakage due to user negligence or compromise by third parties outside reasonable control. The platform is not intended for children under 13, and we do not knowingly collect data from children under 13.
Data Usage
- Data is used to improve user experience and develop services.
- Data may be shared with security authorities upon official request.
- The platform collects some data for statistical purposes.
Data retention
We retain data for the duration of account use and as long as legally required after closure. Personal data is deleted upon request or when the legal period ends unless retention is required for legal compliance or dispute resolution.
Data Updates
We may request additional data in the future, and failure to provide it may affect the ability to use some platform services.
Policy Modifications
The platform may modify terms and policies at any time. Users will be notified of material changes via the platform or email where possible. Continued use after publication constitutes acceptance of the changes. We recommend reviewing this page periodically.
Fifth: Comprehensive disclaimer
The platform is a technical intermediary only and shall not under any circumstances be liable for:
- Quality of services, non-performance, or delay; the contractual relationship between the client and the provider is direct.
- Any financial, moral, or commercial losses arising from transactions or disputes between users and providers.
- Accuracy or validity of data or content published by providers or users; the data provider is responsible.
- Any outage, interruption, or technical malfunction of the platform or third-party services.
- Any damage due to force majeure, events beyond reasonable control, or actions of public authorities.
- Any infringement of intellectual property or third-party claims regarding published content.
- Use of the platform outside its intended scope or violations committed by users.
By using the platform, you acknowledge that you have read and understood these terms and agree to them, and you waive any claims against the platform, its owners, or operators related to use or resulting transactions.
Sixth: Prohibited uses
- Using the platform for unlawful purposes or in violation of Saudi regulations or public morals.
- Impersonation or providing false or misleading information.
- Interfering with the platform’s operation, hacking it, or using automated tools without authorization.
- Publishing offensive, inciteful, or rights-infringing content.
- Using others’ data or contacting them without consent.
- Reselling or redistributing platform services or data commercially without prior permission.
Violation of any of the above is sufficient grounds for immediate suspension or permanent deletion of the account without prior notice, and the platform may report to competent authorities.
Seventh: Termination of service
The platform may suspend or delete any account or terminate access for any user in case of violation or at its discretion, without obligation to provide prior notice or compensation. Users may request account deletion at any time from the in-app account settings, and the platform will process deletion/anonymization according to legal and operational requirements. Upon termination, these terms continue to apply to prior obligations. The platform is not liable for any losses resulting from termination.
Eighth: Force majeure
The platform is not liable for any delay or non-performance due to circumstances beyond its reasonable control, including without limitation natural disasters, war, unrest, government decisions, internet or power outages, viruses or cyberattacks, or any unforeseeable or unavoidable event. In such cases deadlines are extended automatically by a period commensurate with the circumstance.
Ninth: Cookies and technical data
The platform uses cookies and similar technologies to operate the site, improve experience, and analyze usage. By browsing or registering you consent to these technologies. You may adjust browser settings to limit or block cookies, knowing that some features may be affected.
Tenth: Links and third parties
The platform may contain links to third-party sites or services. The platform does not control their content and bears no responsibility for them. A link does not imply endorsement. Third-party sites are governed by their own terms and policies.
Eleventh: Platform intellectual property
All intellectual property rights in the platform (name, logo, design, code, interfaces, and platform-specific content) are reserved to Saqf Business Services Gateway Company. They may not be copied, modified, distributed, or used commercially without prior written consent.
Twelfth: Indemnification
You agree to indemnify and hold harmless the platform, its company, officers, employees, and agents from any claims, liabilities, losses, or damages (including reasonable attorneys’ fees) arising from: (a) your breach of these terms, (b) your use of the platform, (c) infringement of third-party rights, or (d) any content or data you provide.
Thirteenth: Severability
If any provision of these terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
Fourteenth: Entire agreement
This document constitutes the entire agreement between you and the platform regarding the service and supersedes any prior oral or written agreements or representations. Any amendment must be in writing and approved by the platform.
Fifteenth: Governing law and jurisdiction
These terms are interpreted and enforced under the laws of the Kingdom of Saudi Arabia. The courts of the Kingdom of Saudi Arabia have exclusive jurisdiction over any dispute arising from or related to these terms or use of the platform, without prejudice to the platform’s right to pursue arbitration or mediation where appropriate.
Sixteenth: Language and communications
The Arabic text prevails in case of conflict with any translation. Notices are sent to the registered email or mobile number. A notice is deemed received twenty-four (24) hours after sending. The platform may communicate with users through available channels.
Contact Us
For any inquiries regarding the privacy policy, please contact us