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Afaq Al Samaa IT Services maintains the www.khadamath.com. The following are the terms of use that govern use of the Site or application ("Terms of Use"). By using the Site or application you expressly agree to be bound by these Terms of Use and the www.khadamath.com privacy policy and to follow these Terms of Use and all applicable laws and regulations governing use of the Site or application. Afaq Al Samaa IT Services reserves the right to change these Terms of Use at any time, effective immediately upon posting on the Site or application. Please check this page of the Site or application periodically. We will note when there are updates to the Terms of Use at the bottom of the Terms of Use. If you violate these Terms of Use, Afaq Al Samaa IT Services may terminate your use of the Site or application, bar you from future use of the Site or application, and/or take appropriate legal action against you.

LIMITED LICENSE. You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Site or application pursuant to the requirements and restrictions of these Terms of Use.

Afaq Al Samaa IT Services may change, suspend, or discontinue any aspect of the Site or application at any time. 

Afaq Al Samaa IT Services may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Site or application. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the Site or application. Except as provided in the Terms of Use, you shall have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve, or create any new or derivative works from, or display, distribute, perform, or in any way exploit the Site or application, or any of its contents (including software) in whole or in part.

1. SITE OR APPLICATION OPERATION: United Arab Emirates is our Country of Domicile. Afaq Al Samaa IT Services controls this Site or application from the U.A.E. Afaq Al Samaa IT Services makes no representation that this Site or application is appropriate for use in other locations. If you use this Site or application from other locations you are responsible for ensuring compliance with local laws. You may not use, export or re-export any materials from this Site or application in violation of any applicable laws or regulations, including, but not limited to any U.A.E export laws and regulations.

2. APPLICABLE LAW. The Laws of the United Arab Emirates shall govern the use of the Site or application and the Terms of Use, without regards to conflict of laws principals. All disputes arising in connection therewith shall be heard only by a court of competent jurisdiction in U.A.E.

3. MULTI-CURRENCY PRICED TRANSACTION, the displayed price and currency selected by you, will be the same price and currency charged to the Card and printed on the Transaction Receipt.

4. PURCHASES.  Afaq Al Samaa IT Services accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services. All online purchases are also governed by the terms and conditions of respective merchant service providers. Please review respective merchant service provider’s user agreement and privacy policy before entering any transaction. Interpretation. These Terms of Use supersede all other written and oral communications or agreements with regard to the subject matters discussed in these Terms of Use. A waiver or modification of these Terms of Use will only be effective if made in writing signed by an authorized officer of Afaq Al Samaa IT Services. All refunds will be made onto the original mode of payment.

5. OFFICE FOREIGN ASSETS CONTROL (OFAC) SANCTIONED COUNTRIES. Afaq Al Samaa IT Services will not trade with or provide any services to individuals and companies owned or controlled by, or acting for or on behalf of, OFAC targeted countries AND individuals, groups, and entities, such as terrorists and narcotics traffickers designated under the OFAC programs that are not country specific

6. REPRESENTATIONS BY YOU. By visiting the Site or application, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that all materials of any kind submitted by you to Afaq Al Samaa IT Services through the Site or application or for inclusion on the Site or application will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights. The customer using the website or application who are Minor /under the age of 18 shall not register as a User of the website or application and shall not transact on or use the website or application.

7. PERMITTED USE. You agree that you are only authorized to visit, view and to retain a copy of pages of this Site or application for your own personal use, that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Site or application for any purpose other than for personal use, unless otherwise specifically authorized by Afaq Al Samaa IT Services to do so. You also agree not to deep-link to the site or application for any purpose, unless specifically authorized by Afaq Al Samaa IT Services to do so. The content and software on this Site or application is the property of Afaq Al Samaa IT Services. The cardholder must retain a copy of transaction records and Merchant policies and rules.

8. YOUR ACCOUNT. If you use Afaq Al Samaa IT Services Site or application, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account from any devices, and you agree to accept responsibility for all activities that occur under your account or password. The Site or application shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.

NO COMMERCIAL USE. This Site or application may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind. You must obtain Afaq Al Samaa IT Services’s prior written consent to make commercial offers of any kind on the Site or application, whether by advertising, solicitations, links, or any other form of communication. Afaq Al Samaa IT Services will investigate and take appropriate legal action against anyone who violates this provision, including without limitation, removing the offending communication from the Site or application and barring such violators from use of the Site or application.

LINKS AND SEARCH RESULTS. The Site or application may automatically produce search results that reference and/or link to third party site or applications throughout the World Wide Web. Afaq Al Samaa IT Services has no control over these site or applications or the content within them. Afaq Al Samaa IT Services does not guarantee, represent or warrant that the content contained in the site or applications is accurate, legal and/or inoffensive. Afaq Al Samaa IT Services does not endorse the content of any third party site or application, nor does it make any representation or warranty about these site or applications, including that they will not contain viruses or otherwise impact your computer. By using the Site or application to search for or link to another site or application, you agree and understand that you may not make any claim against Afaq Al Samaa IT Services for any damages or losses, whatsoever, resulting from your use of the Site or application to obtain search results or to link to another site or application. If you have a problem with a link from the Site or application, you may notify us at info@khadamath.com .

COPYRIGHT POLICY. Afaq Al Samaa IT Services may terminate the privileges of any user who uses this Site or application to unlawfully transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to this Site or application, you warrant that the information does not infringe the copyrights or other rights of third parties.

INTELLECTUAL PROPERTY. Although Afaq Al Samaa IT Services is not responsible for the content, quality or accuracy of data provided by users, compilations of such data, text, information and other materials made available to users through Afaq Al Samaa IT Services’s system. The On-line Materials are Afaq Al Samaa IT Services’s intellectual property, and are protected by U.S. and international intellectual property laws. The On-line Materials may not be copied or redistributed either in whole or in part without prior written consent of Afaq Al Samaa IT Services, except as expressly and specifically permitted under these Terms of Use.

The On-line Materials are and will remain the exclusive property of Afaq Al Samaa IT Services. All rights, titles and interests in and to the On-line Materials will be and remain vested solely in Afaq Al Samaa IT Services. Under no circumstances will you have any right, directly or indirectly, to own, use, copy, loan, sell, rent, lease, license, sublicense, redistribute, assign or otherwise convey the On- line Materials, or any rights thereto, except as expressly and specifically provided in the Terms of Use. Nothing in these Terms of Use will convey to you any right, title or interest, except that of a license with the express rights and subject to all limitations herein. Nothing in these Terms of Use grants you the right, directly or indirectly, to use the On-line Materials to create a product for resale or to use the On-line Materials in any way that competes with Afaq Al Samaa IT Services.

You acknowledge and agree that Afaq Al Samaa IT Services will own all rights, titles and interests in and to any copy, translation, modification, adaptation, derivative work or improvement of the On- line Materials made by or for you. At Afaq Al Samaa IT Services’s request, you must execute, or obtain the execution of, any instrument that may be necessary to assign these rights, titles or interests to Afaq Al Samaa IT Services or perfect these rights, titles or interests in Afaq Al Samaa IT Services’s name. DISCLAIMER OF WARRANTY, LIMITATION OF DAMAGES. Afaq Al Samaa IT Services MAKES NO WARRANTY OR REPRESENTATION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTY OF TITLE OR NON-INFRINGEMENT OR IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS IN RELATION TO THE AVAILABILITY, ACCURACY, VALIDITY, RELIABILITY OR CONTENT OF THESE PAGES AND/OR THE SITE OR APPLICATION. Afaq Al Samaa IT Services ALSO DOES NOT MAKE ANY REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION THAT IS SUBMITTED, DISPLAYED OR UPLOADED THROUGH THE SITE OR APPLICATION BY ANY USER. Afaq Al Samaa IT Services SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS OR FOR BUSINESS INTERRUPTION ARISING OUT OF THE USE OF OR INABILITY TO USE THIS SITE OR APPLICATION, EVEN IF Afaq Al Samaa IT Services HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS OF LIABILITY, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THE LIABILITY OF Afaq Al Samaa IT Services WOULD IN SUCH CASE BE LIMITED TO THE GREATEST EXTENT OF LIABILITY PERMITTED BY LAW.

VIOLATION OF TERMS OF USE. You understand and agree that in Afaq Al Samaa IT Services’s sole discretion, and without prior notice, Afaq Al Samaa IT Services may terminate your access to the Site or application, or exercise any other remedy available and remove any unauthorized user information, if Afaq Al Samaa IT Services believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of Afaq Al Samaa IT Services, or any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to Afaq Al Samaa IT Services for violations of these Terms of Use and you consent to injunctive or other equitable relief for such violations. Afaq Al Samaa IT Services may release user information about you if required by law or subpoena.

INDEMNITY. You agree to indemnify and hold Afaq Al Samaa IT Services, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of or relating to your use of the Site or application, including also your use of the Site or application to provide a link to another site or application or to upload content or other information to the Site or application, or your breach of the Terms of Use.

LICENCE GRANTED TO YOU. By providing materials to Afaq Al Samaa IT Services, including by submitting or uploading content or materials for use on the Site or application you represent and warrant that you or the owner of all rights to such content or materials has expressly granted Afaq Al Samaa IT Services an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part of the content and materials provided by you. Afaq Al Samaa IT Services may publish and distribute any such submitted content or materials at its sole discretion by any method now existing or later developed. You agree that you shall waive all claims and have no recourse against Afaq Al Samaa IT Services for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content or material submitted to Afaq Al Samaa IT Services. Any communication or materials you send to Afaq Al Samaa IT Services will be treated as non- confidential and non-proprietary and may be disseminated or used by Afaq Al Samaa IT Services for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.

ADVERTISING. The Site or application may contain advertisements and/or sponsorships. The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for insuring that the materials submitted for inclusion on the Site or application or application are accurate and comply with all applicable laws. Afaq Al Samaa IT Services is not responsible for the acts or omissions of any advertiser or sponsor.

SEVERABILITY. If any provision of the Terms of Use is held to be invalid, void or unenforceable, the remaining provisions shall nevertheless continue in full force and effect.

Headings & section titles in this Agreement are for convenience and do not define, limit, or extend any provision of this Agreement.

Payment Confirmation: Once the payment is made, the confirmation notice will be sent to via email within 24 hours of receipt.

Refund Policy: Refunds will be done only to the original mode of payment and will be processed withing 10 to 45 days depends on the issuing bank of card after deducting the processing fees by the bank or payment gateway provider, if any.

Cancellation Policy: Customer can cancel their requested service with 24 hours. Refunds will be done only to the original mode of payment and will be processed withing 10 to 45 days depends on the issuing bank of card.

Shipping Policy: Since Khadamath is a digital product is under SAAS Model giving services in the form of digitally, so does not happens on any physical shipment or transfer.