Terms and Conditions

Last Updated: April 05, 2026

1. Acceptance of Terms

By accessing and using Najem Financial services, you accept and agree to be bound by these Terms and Conditions.

2. Account Responsibilities

• You must provide accurate and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must notify us immediately of any unauthorized use of your account
• You are responsible for all activities that occur under your account

3. Services

We provide online banking services including but not limited to:

• Account management and transactions
• Fund transfers and payments
• Fixed deposits and savings accounts
• Loan applications and management
• Card services

4. Transaction Limits

Transaction limits apply based on your account type and verification level. We reserve the right to modify these limits at any time.

5. Fees and Charges

Applicable fees and charges will be clearly communicated. We reserve the right to modify fees with prior notice.

6. Privacy and Data Protection

We are committed to protecting your personal information in accordance with applicable data protection laws.

7. Prohibited Activities

• Fraudulent or illegal transactions
• Money laundering or terrorist financing
• Unauthorized access to other accounts
• Violation of any applicable laws or regulations

8. Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in suspicious activities.

9. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from the use of our services.

10. Contact Information

For questions about these terms, contact us at security@zigbank.com