Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you” or “user”), and Sanam.

All Terms in this Agreement are applicable to Sanam’s Service (“Service”) made available through the website (www.sanam-app.com), mobile application, and/or other media. The user agrees that access and use of the Service is subject to the following Terms.

List of Terms

  1. Definitions
  2. Applicability of Terms
  3. Purpose of Use
  4. Scope of Service
  5. Terms of Registration
  6. Trial Period
  7. Fees
  8. User Rights
  9. User Obligations
  10. General Responsibilities and Rights
  11. Intellectual Property Rights
  12. Third-Party Websites and Content
  13. Privacy Policy
  14. Account Suspension, Inactivation, and Cancellation
  15. Liability and Indemnification
  16. Amendments and Updates
  17. Notification of Breach
  18. Complaint Submission and Processing
  19. Governing Law
  20. Disclaimer
  21. Contact Us

  1. Definitions:

  1. Applicability of Terms

  1. Purpose of Use:

  1. Scope of Service:

Sanam is a fintech company providing personal financial management (PFM) services through its website and mobile application, which allow the user to track and manage finances.

Our Services include:

  1. Terms of Registration

  1. The Testing Period:

Because ensuring the best and safest user experience is on the top of our priorities, we decided to challenge our mobile application and test it in a government-controlled testing environment. Our beta-test version of the mobile application will be fully reviewed and tested in the Regulatory Sandbox under the direct supervision of the Saudi Central Bank (also known as Saudi Arabia Monetary Authority, SAMA) to certify the regulation and functionality of Sanam. During the testing period, Sanam and its users will be bound by the Regulatory Sandbox Framework (click here to review).

If you access or use our Services via the beta-test version of the mobile application or website, then you agree that:

  1. Fees and Charges:

Free Trial

Sanam may offer a free trial of the Service. Within the free trial period, you may experience and use our Services. You will be asked to fill in your payment details; you can cancel your Subscription and/or order at any time before the next billing schedule or the payment due date/time.  


Certain types of User Plans or Services are subject to Fees (“Fees”). The terms and amounts applicable to Fees are available on the Sanam’s website. Amounts are stated in SAR and are inclusive of applicable taxes. Fees may change from time to time. We will notify you of changes by email to your last known email address at least 30 days before the changes come into effect.

Fees are non-refundable except as expressly provided in these Terms. We will not commence providing you with access to a fee paying User Plan or Service until your initial Fee is received by us in full. Applicable Fees must be paid in accordance with the Terms in order to maintain your User Plan and/or use the Service.


If you cancel your Account for any reason or if we cancel your Account as a result of you breaching these Terms (including our Privacy Policy), any Fees paid will not be refunded and any outstanding Fees and other fees become immediately due and payable upon cancellation.

  1. User Rights:

  1. User Obligations:

  1. General Responsibilities and Rights:

  1. Intellectual Property Rights:

  1. Third-Party Websites and Content:

  1. Privacy Policy:

We care about data privacy and security. Please review our Privacy Policy [link of the Privacy Policy]. By visiting Sanam and/or using the Service, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Service.

  1. Account Suspension, Inactivation, and Cancellation:

  1. Liability and Indemnification:
  1. any unauthorized use of Sanam and/or its Services as a result of your negligent act or omission would result in irreparable injury to Sanam; and
  2. Sanam shall treat any such unauthorized use as subject to the Terms in this Agreement.

  1. Amendments and Updates:

  1. Notification of Breach:

  1. Complaint Submission and Processing:

  1. Governing Law:

  1. Disclaimer:
  1. any errors, mistakes, or inaccuracies of content and materials;
  2. any financial loss, poor management of finances, or property damage, of any nature whatsoever, resulting from your access to and use of the Service;
  3. any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein;
  4. any interruption or cessation of transmission to or from the Service;
  5. any bugs, viruses, trojan horses, or the like which may be transmitted to or through Sanam by any third party; and/or
  6. any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via Sanam.

  1. Contact Us:

We welcome your inquiries and feedback on Sanam. For further information about Sanam, the use of our Service, and/or submitting a complaint or suggestion to Sanam, please use any of the communication methods below:

Email: contact@sanam-app.com

Contact Us” page on our website.

Sanam App

Address: Riyadh, Abdulrahman bin Ali Alshaikh St, Alsulimanyah dist. Riyadh 11432,

Sanam Ⓒ Copyright 2023, All rights reserved.