Article 17: Consumer Protection and Data Confidentiality

The BNPL company shall establish a function for handling complaints and set clear procedures for receiving, documenting, reviewing, and responding to complaints within the period set by SAMA. Such complaints must be kept in records that include all necessary details in relation to the complaint and the procedures taken. The BNPL company, including all of its employees, shall maintain the confidentiality of consumers’ data and transactions and shall not disclose them to other parties even after the end of service for employees or revocation of license, except in accordance with the relevant laws and instructions.