Terms of Service
Last updated September 19, 2026
These terms govern your use of the Smart Wafaa platform, merchant dashboard, staff app and wallet cards issued through it.
1. The service
Smart Wafaa provides software that lets merchants design, issue and update loyalty cards for Apple Wallet and Google Wallet. We do not operate your loyalty programme; you set its rules and remain responsible for honouring rewards to your customers.
2. Accounts and staff access
You are responsible for everyone who uses your merchant account, including staff logins. Keep credentials confidential and tell us immediately about any unauthorised use.
3. Subscription and billing
Paid plans are billed monthly or yearly in advance and exclude VAT. The Free plan costs nothing. You may upgrade, downgrade or cancel at any time from the dashboard; changes take effect at the next billing date unless stated otherwise.
4. Acceptable use
Do not use the service to send misleading offers, collect customer data without consent, or breach Apple's or Google's wallet platform policies. We may suspend accounts that put those platform relationships at risk.
5. Customer data
Customer data you collect through cards belongs to you. We process it on your behalf under our Privacy Policy and the applicable Saudi Personal Data Protection Law (PDPL).
6. Maintenance and support
Planned maintenance of the card-update service is announced in advance in the dashboard.
7. Liability
To the extent permitted by law, our total liability for any claim is limited to the fees you paid in the twelve months before the claim arose.
8. Governing law
These terms are governed by the laws of the Kingdom of Saudi Arabia. Disputes are subject to the competent courts of Riyadh.