Ciro Pay
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Terms & Conditions for using our services

These terms explain the rules governing the use of the Ciro Pay platform and services, and the mutual rights and obligations between us and you.

    Terms and conditions

    Introduction

    Welcome to Ciro Pay. This document sets out the terms and conditions that govern your use of our platform and the related payment services.

    Please read these terms carefully before using the service, as they form a legal agreement between you and Ciro Pay.

    Acceptance of terms

    By using Ciro Pay services or creating an account on the platform, you confirm that you have read, understood, and agreed to be bound by these terms.

    You are legally eligible to enter into contracts and hold a valid commercial registration.
    The information you provide to us is true, accurate, and up to date.
    Your use of the service complies with the applicable regulations in Saudi Arabia.

    Account and registration

    To use our services you must create an account and complete the identity verification and Know Your Customer (KYC) procedures required by regulation.

    You are responsible for keeping your account credentials confidential.
    You are responsible for all activity carried out through your account.
    You must notify us immediately if you suspect any unauthorized use.

    Acceptable use

    The Ciro Pay platform may not be used for any activity that breaches applicable regulations, including but not limited to:

    Processing transactions for unlawful or prohibited activities.
    Fraud, money laundering, or financing prohibited activities.
    Attempting to breach the platform, disrupt its operation, or bypass usage limits.
    Reselling the service or making it available to a third party without our written consent.
    Important note

    Any violating use may lead to immediate account suspension and the holding of funds related to suspicious transactions until the review is complete.

    Fees and settlements

    Service fees are set out in the commercial agreement signed with you or on the approved pricing page, and are deducted from transaction value before settlement.

    Settlements are made to your registered bank account according to the agreed schedule.
    Reserve amounts may be held to cover refunds or disputes.
    All fees exclude VAT unless stated otherwise.

    Limitation of liability

    The service is provided as is. To the extent permitted by applicable law, we are not liable for indirect damages, consequential losses, or loss of profits arising from use of the service.

    We make reasonable efforts to ensure service continuity, but we do not guarantee uninterrupted or error-free operation at all times.

    Suspension of service

    You may stop using the service and close your account at any time; your outstanding financial obligations remain in effect until fully settled.

    We may suspend or terminate the account upon breach of these terms.
    We may suspend the service where a regulatory or supervisory requirement demands it.
    We will notify you of any suspension through your registered channels unless prohibited by regulation.

    Changes to these terms

    We may update these terms from time to time to reflect changes to the service or to applicable regulations. The last updated date is published at the top of the document.

    Your continued use of the service after changes are published constitutes acceptance of the updated terms.

    Contact us

    If you have any questions about these terms and conditions, please reach out to us through the following channels:

    Emaillegal@ciropay.com
    Live SupportAvailable 24/7 in the app