Terms and Conditions

1Eligibility and Registration

To benefit from Namaa's services, you must meet the following requirements:

• ✓Be 18 years of age or older at the time of account creation
• ✓Have full legal capacity to enter into contracts in your country of residence
• ✓Provide accurate, complete, and truthful information during registration
• ✓Successfully complete the Know Your Customer (KYC) verification process
• ✓Not be a resident in a country subject to international sanctions that prevent the use of our services

Namaa reserves the right to refuse any registration application without stating reasons. We also reserve the right to suspend any account that violates these terms.

2User Account

When creating your account with Namaa, you assume full responsibility for:

• Maintaining the confidentiality of your login credentials and password and not sharing them with anyone
• All activities conducted through your account, whether authorized by you or not
• Notifying us immediately if you suspect unauthorized use of your account
• Updating your personal information when any changes occur

Creating more than one account per person is prohibited. In case of multiple accounts being discovered, Namaa reserves the right to merge or suspend them.

3Investment Terms

By investing in Namaa's packages, you agree to:

• The minimum investment amount is $100 USD, with maximum amounts varying by package
• Returns are calculated according to the selected package rate and distributed periodically as per package terms
• The invested amount cannot be withdrawn before the end of the investment period specified in the package
• Returns can be automatically reinvested or withdrawn according to your preferences
• Namaa reserves the right to change return rates with at least 30 days' prior notice

4Returns and Withdrawal Policy

The returns advertised in our packages are target returns and guaranteed according to package terms. Regarding withdrawals:

• ✓Withdrawal requests are processed within 24-48 business hours from the request date
• ✓Withdrawal processes may be subject to small processing fees displayed before confirming the transaction
• ✓Withdrawing the invested amount before the end of the period may incur early termination fees
• ✓Accumulated returns can be withdrawn at any time after they are credited to your available balance

5Risk Disclosure

• Market risks: Economic changes may affect returns
• Liquidity risks: Invested funds may not be available for immediate withdrawal
• Regulatory risks: Changes in laws may affect service provision
• Technical risks: Technical failures may temporarily affect access to your account

6Limitation of Liability

To the extent permitted by law:

• Namaa is not liable for any indirect, incidental, or consequential damages resulting from the use of the platform
• Our total liability shall not exceed the fees you have paid to us in the preceding 12 months
• We do not guarantee uninterrupted service or error-free operation of the platform
• We are not responsible for the content or services of third-party sites linked to our platform

7Dispute Resolution and Governing Law

In case of any dispute:

• ✓We first seek to resolve the dispute amicably through direct contact with our support team
• ✓If an amicable resolution cannot be reached within 30 days, the dispute is referred to arbitration
• ✓These terms are subject to and interpreted according to the laws of the United Kingdom
• ✓Arbitration will be conducted in Arabic and in accordance with recognized arbitration rules

8Modification of Terms

Namaa reserves the right to modify these terms and conditions at any time. You will be notified of material changes via email or in-platform notice at least 30 days before they become effective. Your continued use of the platform after the effective date means you accept the modified terms. If you do not agree to the modifications, you have the right to close your account and withdraw your funds.