Effective Date: [Insert Date]
Last Updated: [Insert Date]
1. Purpose
These Terms of Service (“Terms”) govern your access to and use of the MUNJZ.com platform, applications, systems, and services (collectively, the “Platform”), operated by MUNJZ, a licensed collections service provider in the Kingdom of Saudi Arabia. By accessing or using our Platform, you agree to be bound by these Terms.
2. Definitions
- “User” refers to any individual or legal entity accessing or using the MUNJZ Platform, including clients, debtors, agencies, or third-party representatives.
- “Client” means any organization or individual who registers to use MUNJZ to recover debts or manage receivables.
- “Debtor” refers to any individual or entity listed under a client’s collection account.
- “We”, “Us”, “Our” refers to MUNJZ.com.
3. Acceptance of Terms
- By registering an account or accessing the Platform, you agree to these Terms, our [Privacy Policy], [Debt Collection Agreement], and any applicable policies.
- If you do not agree to these Terms, you must not use the Platform.
4. Eligibility and Registration
- You must be 18 years or older and legally capable of entering into a binding contract.
- All Users must complete KYC (Know Your Customer) verification as required by Saudi regulatory authorities.
- Clients must submit valid business licenses and authorizations to engage MUNJZ in debt recovery activities.
5. Use of the Platform
Users agree to:
- Use the Platform solely for lawful and authorized purposes.
- Provide accurate, current, and complete information during registration and usage.
- Maintain confidentiality of account credentials and access tokens.
- Promptly notify us of unauthorized use or security breaches.
6. Prohibited Conduct
You may not:
- Access accounts or data not belonging to you.
- Use the platform for harassment, abuse, or fraudulent purposes.
- Upload or distribute malware, harmful scripts, or spam.
- Attempt to breach or test the security of the Platform.
- Engage in activity violating Saudi Arabian law, including SAMA and PDPL requirements.
7. Account Suspension and Termination
We reserve the right to suspend or terminate any account that:
- Violates these Terms or applicable laws;
- Engages in unauthorized or harmful activity;
- Fails to comply with data integrity, payment, or operational obligations.
Suspension may occur without prior notice in urgent cases, especially where compliance or data risks exist.
8. Intellectual Property
All Platform content, technology, and branding are the exclusive property of MUNJZ or its licensors. Users are granted a limited, non-transferable, non-exclusive license to use the Platform solely for its intended purposes.
9. Fees and Billing
- Service fees and collection commissions are governed by your specific Debt Collection Agreement.
- Subscription plans, if applicable, are billed in accordance with your selected tier and are subject to [Subscription Policy].
10. Data Protection
We collect and process personal and financial data in accordance with the Saudi Personal Data Protection Law (PDPL). Our full [Privacy Policy] outlines how we collect, store, and share information. You agree to this policy as part of these Terms.
11. Limitation of Liability
MUNJZ shall not be held liable for:
- Delays or failures in collections due to debtor insolvency or force majeure;
- Data loss outside of our control;
- Indirect, incidental, or consequential damages.
Total liability is limited to the amount of service fees paid in the preceding 12 months.
12. Dispute Resolution
Any disputes arising under these Terms shall be resolved according to our [Dispute Resolution Procedure]. Final jurisdiction rests with the competent courts of the Kingdom of Saudi Arabia.
13. Changes to the Terms
MUNJZ may update these Terms at any time. Continued use of the Platform constitutes acceptance of revised terms. Major changes will be communicated via registered email or Platform notifications.
14. Contact Information
For inquiries or legal notices: