Terms of Service

1. Agreement to Terms

By accessing or using Payvora's earned wage access platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

Payvora provides a Sharia-aligned earned wage access platform that enables employees of enrolled companies to access a portion of their already-earned wages before the traditional payday. Payvora is not a lending institution and does not provide loans, credit, or any form of debt financing.

3. Eligibility

The Service is available to employers registered in the Kingdom of Saudi Arabia and their employees. You must be at least 18 years old to use the Service. Employee access to the Service is contingent upon their employer's enrollment and configuration.

4. Employer Responsibilities

Employers who use the Service agree to:

• Provide accurate employee data including salary information
• Process payroll settlements in accordance with Payvora's settlement reports
• Maintain current employee records and notify Payvora of terminations
• Configure EWA policies in compliance with applicable labor laws
• Pay applicable subscription fees as outlined in their chosen plan

5. Employee Responsibilities

Employees who use the Service agree to:

• Use the Service only to access their own earned wages
• Provide accurate bank account information for fund transfers
• Understand that withdrawn amounts will be deducted from their paycheck
• Pay applicable transaction fees (ê 10 for instant transfers)

6. Fees

Employer subscription fees are based on the selected plan and number of employees. Employee transaction fees consist of a flat ê 10 charge for instant transfers; standard transfers are free. All fees are non-refundable unless otherwise stated. Payvora reserves the right to modify fees with 30 days advance notice.

7. Limitations

Employees may only access wages they have already earned. Access is subject to employer-configured policies including access cap percentages, maximum withdrawal limits per cycle, and minimum withdrawal amounts. Payvora reserves the right to decline withdrawal requests that exceed policy limits or raise risk flags.

8. Intellectual Property

The Service, including its design, features, and content, is the property of Payvora. You may not copy, modify, distribute, or create derivative works based on the Service without our written permission.

9. Limitation of Liability

To the maximum extent permitted by Saudi law, Payvora shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount paid by you to Payvora in the twelve months preceding the claim.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia. Any disputes shall be resolved in the competent courts of Riyadh, Saudi Arabia.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes at least 30 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

12. Contact

For questions about these Terms, contact us at legal@payvora.com.