Terms & Conditions
Last updated
April 18,2025
Welcome to YalaFinance.com (“we,” “us,” or “our”), operated by Yala Express Holding Company. These Terms and Conditions (“Terms”) govern your access to and use of our loan brokerage platform (“Platform”). By accessing or using our services, you agree to these Terms.
Summary of Process
For your understanding, the general process for using our Platform is as follows:
- Submit Application: You provide required information and documentation to apply for financing.
- Receive Preapproved Offers: Based on the information provided, we present you with one or more preapproved loan offers.
- Review and Accept Service Agreement: After reviewing your preapproved offers, you must review and sign a Service Agreement, which details the service fee terms.
- Lender Final Approval and Funding: The selected Lender completes final verification and disburses the loan, upon which the service fee becomes payable.
1. Nature of Our Services
- We act solely as an intermediary connecting individuals and businesses ("Users") seeking financing with licensed financial institutions ("Lenders") within Saudi Arabia.
- We do not provide financing directly and are not a lender.
- All loan offers, approvals, and disbursements are subject to the Lender's independent evaluation and terms.
2. User Eligibility
To use the Platform, you must:
- Be at least 18 years of age.
- Reside in the Kingdom of Saudi Arabia or hold a valid residency permit (Iqama).
- Provide complete, accurate, and current information throughout the loan request and preapproval process.
- Not use the Platform for fraudulent, illegal, or unauthorized purposes.
3. Service Fees
- To access either the Personal Loan Match or Business Loan Match programs, you are required to pay a one-time, non-refundable upfront fee of SAR 200.
- This fee grants you access to receive unlimited loan offers from our network of lenders for a period of 60 days.
- There are no additional or subsequent fees charged by us beyond this initial payment.
- The fee is payable before your participation in either program is activated and is not tied to the success or funding of any specific loan.
- This fee does not cover any charges, interest, or processing fees that may be imposed directly by the lenders themselves.
4. Preapproval Documentation
To use the Platform, you must:
- A copy of your valid national ID or residency permit (Iqama);
- Proof of salary or proof of income, as requested.
You are responsible for ensuring all documents submitted are accurate, complete, and up to date.
5. No Guarantee of Financing
- Submission of a loan request and receipt of a preapproved offer does not guarantee final loan approval or funding.
- Final loan approval and disbursement are at the sole discretion of the selected Lender and may require additional verifications.
6. User Responsibilities
- You are solely responsible for reviewing and agreeing to any financing terms proposed by a Lender.
- You must not provide false, misleading, or incomplete information.
- You acknowledge that any financing agreement you enter into is strictly between you and the Lender.
7. No Financial Advice
- YalaFinance.com does not provide financial, legal, or tax advice.
- Users are encouraged to seek independent professional advice before committing to any financing arrangement.
8. Privacy Policy
- By using the Platform, you consent to the collection, use, and storage of your personal information as described in our [Privacy Policy].
- Information collected, including identification documents and salary proof, is used solely to facilitate your loan request and preapproval process.
9. Intellectual Property
- All content, trademarks, designs, and information on YalaFinance.com are the exclusive property of Yala Express Holding Company or its licensors.
- Users may not reproduce, distribute, modify, or exploit any materials without express written permission.
10. Limitation of Liability
- We are not liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of the Platform or dealings with any Lender.
- The Platform is provided on an "as is" and "as available" basis without warranties of any kind.
11. Indemnification
You agree to indemnify and hold harmless Yala Express Holding Company, its affiliates, and employees against any claims, damages, or liabilities arising out of:
- Your use of the Platform;
- Your breach of these Terms;
- Any agreement or dispute between you and a Lender.
12. Suspension and Termination
We reserve the right to suspend or terminate your access to the Platform at any time if you violate these Terms, applicable laws, or if fraudulent or suspicious activity is detected.
13. Governing Law and Jurisdiction
- These Terms shall be governed by and interpreted in accordance with the laws of the Kingdom of Saudi Arabia.
- Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of Riyadh, Saudi Arabia.
14. Amendments
We may revise these Terms from time to time. Continued use of the Platform after updates constitutes your acceptance of the new Terms.
15. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
- sales@yalafinance.com
Last updated
April 18,2025
Welcome to YalaFinance.com (“we,” “us,” or “our”), operated by Yala Express Holding Company. These Terms and Conditions (“Terms”) govern your access to and use of our loan brokerage platform (“Platform”). By accessing or using our services, you agree to these Terms.
Summary of Process
For your understanding, the general process for using our Platform is as follows:
- Submit Application: You provide required information and documentation to apply for financing.
- Receive Preapproved Offers: Based on the information provided, we present you with one or more preapproved loan offers.
- Review and Accept Service Agreement: After reviewing your preapproved offers, you must review and sign a Service Agreement, which details the service fee terms.
- Lender Final Approval and Funding: The selected Lender completes final verification and disburses the loan, upon which the service fee becomes payable.
1. Nature of Our Services
- We act solely as an intermediary connecting individuals and businesses ("Users") seeking financing with licensed financial institutions ("Lenders") within Saudi Arabia.
- We do not provide financing directly and are not a lender.
- All loan offers, approvals, and disbursements are subject to the Lender's independent evaluation and terms.
2. User Eligibility
To use the Platform, you must:
- Be at least 18 years of age.
- Reside in the Kingdom of Saudi Arabia or hold a valid residency permit (Iqama).
- Provide complete, accurate, and current information throughout the loan request and preapproval process.
- Not use the Platform for fraudulent, illegal, or unauthorized purposes.
3. Service Fees
- To access either the Personal Loan Match or Business Loan Match programs, you are required to pay a one-time, non-refundable upfront fee of SAR 200.
- This fee grants you access to receive unlimited loan offers from our network of lenders for a period of 60 days.
- There are no additional or subsequent fees charged by us beyond this initial payment.
- The fee is payable before your participation in either program is activated and is not tied to the success or funding of any specific loan.
- This fee does not cover any charges, interest, or processing fees that may be imposed directly by the lenders themselves.
4. Preapproval Documentation
To use the Platform, you must:
- A copy of your valid national ID or residency permit (Iqama);
- Proof of salary or proof of income, as requested.
You are responsible for ensuring all documents submitted are accurate, complete, and up to date.
5. No Guarantee of Financing
- Submission of a loan request and receipt of a preapproved offer does not guarantee final loan approval or funding.
- Final loan approval and disbursement are at the sole discretion of the selected Lender and may require additional verifications.
6. User Responsibilities
- You are solely responsible for reviewing and agreeing to any financing terms proposed by a Lender.
- You must not provide false, misleading, or incomplete information.
- You acknowledge that any financing agreement you enter into is strictly between you and the Lender.
7. No Financial Advice
- YalaFinance.com does not provide financial, legal, or tax advice.
- Users are encouraged to seek independent professional advice before committing to any financing arrangement.
8. Privacy Policy
- By using the Platform, you consent to the collection, use, and storage of your personal information as described in our [Privacy Policy].
- Information collected, including identification documents and salary proof, is used solely to facilitate your loan request and preapproval process.
9. Intellectual Property
- All content, trademarks, designs, and information on YalaFinance.com are the exclusive property of Yala Express Holding Company or its licensors.
- Users may not reproduce, distribute, modify, or exploit any materials without express written permission.
10. Limitation of Liability
- We are not liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of the Platform or dealings with any Lender.
- The Platform is provided on an "as is" and "as available" basis without warranties of any kind.
11. Indemnification
You agree to indemnify and hold harmless Yala Express Holding Company, its affiliates, and employees against any claims, damages, or liabilities arising out of:
- Your use of the Platform;
- Your breach of these Terms;
- Any agreement or dispute between you and a Lender.
12. Suspension and Termination
We reserve the right to suspend or terminate your access to the Platform at any time if you violate these Terms, applicable laws, or if fraudulent or suspicious activity is detected.
13. Governing Law and Jurisdiction
- These Terms shall be governed by and interpreted in accordance with the laws of the Kingdom of Saudi Arabia.
- Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the competent courts of Riyadh, Saudi Arabia.
14. Amendments
We may revise these Terms from time to time. Continued use of the Platform after updates constitutes your acceptance of the new Terms.
15. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
- sales@yalafinance.com