• 1. Liability for Fund Managers' Actions:Aseel Capital Platform does not accept any responsibility for misconduct or violations of laws and regulations issued by the Capital Market Authority that are committed by fund managers, fund boards, or any related parties associated with the funds offered on the platform. Legal and regulatory responsibilities rest solely with the fund managers and the institutions that manage them.
• 2. Disclaimer of Liability for Financial Losses:Aseel Platform is not liable for any financial losses incurred by the user from using the platform, including but not limited to:

  Loss of Profits: A decrease in investment value or failure to meet expected returns may arise due to market fluctuations or other factors beyond the platform's control.

  Loss of Entire Investment Amount: Investments in funds available on the platform involve the risk of total capital loss. Aseel Platform does not provide any guarantees or compensation for such losses.

• 3. No Guarantees Regarding Services:Aseel Platform offers no explicit or implied guarantees about the quality or effectiveness of its services, including but not limited to:

  Suitability of Services to Meet User Requirements: The platform does not guarantee that the wallet or payment services offered will fulfill all user needs or expectations.

  Service Continuity and Integrity: The platform does not ensure uninterrupted or error-free wallet and payment services. Technical or operational problems may cause temporary interruptions or slowdowns.

4. Aseel Capital Company does not offer investment advice or recommendations;it is solely responsible for providing investment opportunities.
5. Employees of the company are not allowed to recommend or encourage investmentin any specific fund. If such an action occurs, it will be regarded as an individual act, and the company will not be held responsible.

• 1. Investment Account Creation:An investment account is created in the client’s name through Aseel Capital’s platform, covering all transactions related to the purchase and sale of investment fund units and real estate investment fund units.
• 2. Depositing Funds in a Bank Account and Client Approval:The client acknowledges and agrees that, in accordance with the regulations issued by the Capital Market Authority, Aseel Capital Company has the right to deposit the client’s funds into a local bank account that generates returns benefiting the company, without any obligation on the client's part. The client’s signature on this agreement serves as explicit written consent for this arrangement, ensuring that the funds are utilized in compliance with applicable regulations, including rules related to client assets and requirements set by relevant regulatory authorities.

3. Aseel Capital Company commits to ensuring fund withdrawals are processed to clients' personal accounts within 24 working hours, during official business days,in accordance with the banking regulations in effect in the Kingdom of Saudi Arabia.

Upon completing the registration process on Aseel platform, a virtual bank account is created for the client at Arab Bank. This account is designated explicitly for depositing funds the client intends to invest in his | her wallet on the platform.

The client can effortlessly transfer funds between his | her personal bank account linked to the platform and his | her virtual account to manage the funds needed for investments. The client acknowledges that the virtual account is not a traditional bank account and does not provide banking services, such as cash withdrawals or cheque issuance.

• - Wallet Top-Up:The user can deposit funds into his | her virtual account to activate the wallet and enable investments in opportunities available on the platform.
• - Fund Subscription:The client can subscribe to investment funds available on the platform using the balance in his | her virtual account.
• - Balance Withdrawal:The virtual account enables the user to withdraw funds to his | her personal bank account linked to the platform at any time via the client dashboard.

• 1. Account Opening:Aseel Platform does not charge any fees for creating an account. Fees apply only when actual investments in available opportunities begin.
• 2. Subscription Fees:Aseel Platform charges a subscription fee of up to 2% of the individual's investment value. This percentage does not include VAT, which is calculated and added separately in accordance with regulations.
• 3. Additional Commissions:Aseel Platform may receive additional commissions from fund managers for distribution or marketing services. These commissions are paid from the fund manager's own resources, ensuring no extra costs are imposed on the client.
• 4. Cost Disclosure:Aseel Platform is dedicated to transparently disclosing all relevant fees and commissions before carrying out any investment transaction while ensuring that the client is fully informed of all costs related to the platform's services.

Aseel Capital Platform is fully committed to following Islamic Shari'a principles in all investment and financial activities. An independent and accredited Shari'a Committee oversees the compliance of all investment funds offered on the platform with Islamic rulings. This committee consists of considerable scholars specializing in Islamic finance and is tasked with reviewing and approving all investment products to ensure they conform to Shari'a principles.

• Members of the Shari'a Committee:

  Dr. Sheikh Yusef Bin Abdullah Al-Shubaili - Chairman of Shari'a Committee.

  Dr. Sheikh Khalid Bin Mohammed Al-Sayyari - Committee Member.

  Dr. Sheikh Faisal Bin Saleh Al-Shamri - Committee Member.

  Dr. Sheikh Rashid Bin Saleh Bin Khaneen - Committee Member.

• Responsibilities of the Shari'a Committee:

  Evaluating the investment products available on the platform for compliance with Islamic Shari'a principles and regulations.

  Offering Shari'a-compliant guidance on all investment activities and services provided by the platform.

  Issuing Shari'a rulings (Fatwas) on inquiries or exceptions regarding Shari'a compliance in investment operations.

• 1. Imposing Restrictions on Accounts and Portfolios:Aseel Platform reserves the right to impose restrictions on using accounts, wallets, or associated transactions without prior notice, as deemed necessary to ensure compliance with laws and regulations.
• These restrictions may include, but are not limited to:

  · Restricting the number of financial transactions permitted within a defined period.

  · Setting caps on the amounts that can be deposited into the account during a specific timeframe.

• 2. Freeze Investment Accounts:Aseel Platform may freeze investment accounts upon requests from the Capital Market Authority or a judicial authority acting through the CMA. The freeze will be implemented by directives issued by the relevant authorities and applicable laws.
• 3. Implement Preventive Measures:The platform may take any additional precautionary measures it deems necessary to safeguard the investment system from unlawful activities or actions that do not adhere to the platform's instructions or regulatory requirements.

• 1. Access to Complete and Comprehensive Information on Investment Opportunities:You have the right to access all information about investment opportunities published on the platform through the terms and conditions prospectus for each opportunity. This includes all details to help you make informed investment decisions.
• 2. Access to Reports from Fund Managers:Aseel Platform grants you access to reports related to the funds, which are prepared by the fund managers in compliance with regulatory requirements. These reports are made available on the platform as soon as they are received from the fund managers.
• 3. Deposit of Due Amounts:If you have any amounts due from your investments, Aseel Platform will deposit them into your virtual IBAN account as soon as they are received from the fund manager. You also have the option to transfer these amounts to your personal bank account linked to the platform or to reinvest them in any available investment opportunity.
• 4. Submit Complaints and Grievances:You have the right to submit any complaints or grievances using the communication channels provided on the platform's official website. We take complaints and grievances seriously and strive to resolve them quickly to effectively address your inquiries and needs.
• 5. Access and Track Your Investment Details:You can find all the details about your investments on your dashboard, including investment status, progress percentage, periodic evaluations, and announcements regarding liquidation and exit opportunities when they are available.
• 6. Voting and Notification of Significant Changes:If there is a significant change in the fund's board of directors or its terms and conditions, you have the right to vote on the change. A summary of the change will be provided to your account via your dashboard within the timeframe specified by the Investment Funds Regulations, the Real Estate Investment Funds Regulations, or as detailed in the fund's terms and conditions.

• 1. Review Terms and Conditions:You have to carefully read and understand the terms and conditions of the investment opportunity before deciding to purchase any units in any opportunity offered on the platform.
• 2. Intellectual Property Rights:All logos and trademarks on the platform are legally registered and protected. Any infringement or misuse of these trademarks may result in legal liability.
• 3. Non-Refundability of Investment Amount:Once you have paid the investment amount through the platform to purchase units in the offered fund, this amount is non-refundable, except upon the fund’s liquidation as per its terms and conditions.
• 4. Protecting Login Credentials:You are responsible for all activities conducted through your account on the platform. It is essential that you take appropriate measures to protect the confidentiality of your username and password. If you become aware of any unauthorized use or your username or password is disclosed, lost, or stolen, you must notify the platform immediately.
• 5. Opening a Virtual Account:By registering on the platform, you authorize Aseel to create a virtual account in your name with Arab Bank, which allows you to securely manage your investments through the platform.
• 6. Review Privacy and Disclosure Policies:You must read and accept the Privacy Policy and Disclosure Policy before registering on the platform and using its services.

• 1. Eligibility for Registration and Use:The user has the legal capacity to register and use the wallet services in accordance with applicable laws and regulations.
• 2. Accuracy of Personal Information:The name provided during registration is the user's true name or a trade name recognized by the Ministry of Commerce.
• 3. Personal Use of the Account:The user confirms that the wallet will be used only for personal purposes and not on behalf of any other individual or legal entity.
• 4. Compliance with Laws and Regulations:The user agrees to adhere to all relevant laws and regulations in the Kingdom of Saudi Arabia and acknowledges responsibility for remaining informed about such laws and regulations.
• 5. Refrain from Unlawful Use of Services:The user will refrain from using the wallet services for any fraudulent activities or in a way that could disrupt or negatively affect the platform's services.
• 6. Not Subject to Any Sanctions List:The user confirms not being listed on any prohibited or restricted parties lists and not being under the control of any sanctioned party. This includes lists issued by the United Nations Security Council, the U.S. government (such as the Specially Designated Nationals List, Foreign Sanctions Evaders List, and Entity List), the European Union, or other relevant governmental authorities.

Aseel Capital Platform is committed to providing essential client support by promptly and efficiently receiving and addressing complaints. You can submit complaints through any of the following official channels:

1. X Platform (formerly Twitter):You can reach out to customer service through the official account @Aseelcares2. Email:info@investaseel.sa3. The Platform's Complaints Icon:The platform has a complaints icon that allows users to submit complaints easily.4. Website and App Messaging:Complaints can be submitted through the messaging feature on both the app and website.