Terms of Service

Last updated: January 2026

1. Acceptance of Terms

By accessing or using the services provided by 2EARN CASH ("we," "our," or "us"), including our website, mobile applications, and fintech platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our services.

These Terms constitute a legally binding agreement between you and 2EARN CASH. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Services

2EARN CASH is a regulated fintech platform that provides:

  • Digital wallet and payment services
  • Cashback and rewards programs
  • Multi-sector ecosystem (Learn2Earn, Shop2Earn, Move2Earn, Eat2Earn, Travel2Earn)
  • Interoperable balance system (Cash Balance, BFS, Discount Balance)
  • Financial services and transaction processing
  • Partnership and merchant integration services

Our services are subject to regulatory requirements and may vary by jurisdiction. We reserve the right to modify, suspend, or discontinue any service at any time.

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our services, you must:

  • Be at least 18 years of age (or the age of majority in your jurisdiction)
  • Have the legal capacity to enter into binding contracts
  • Reside in a jurisdiction where our services are available
  • Provide accurate and complete information during registration
  • Comply with all applicable laws and regulations

3.2 Account Registration

To create an account, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We require identity verification (KYC) and may request additional documentation to comply with regulatory requirements, including AML (Anti-Money Laundering) regulations.

4. Financial Services and Transactions

4.1 Payment Processing

All financial transactions are processed in accordance with applicable financial regulations. We use secure payment processing systems and comply with PCI-DSS standards.

4.2 Cashback and Rewards

Cashback and rewards are subject to terms and conditions specific to each program. We reserve the right to modify, suspend, or terminate reward programs at any time.

4.3 Balance Management

Your account may contain multiple balance types (Cash, BFS, Discount). Each balance type has specific terms and usage restrictions. Balances are non-transferable except as permitted by our policies.

5. User Obligations and Prohibited Activities

5.1 Prohibited Activities

You agree not to:

  • Use our services for any illegal or unauthorized purpose
  • Violate any applicable laws, regulations, or third-party rights
  • Engage in money laundering, fraud, or other financial crimes
  • Attempt to gain unauthorized access to our systems or accounts
  • Interfere with or disrupt the security or functionality of our services
  • Create multiple accounts to circumvent limits or restrictions
  • Use automated systems (bots, scrapers) to access our services
  • Reverse engineer, decompile, or disassemble our software
  • Transfer your account to another person without authorization
  • Provide false, misleading, or incomplete information

5.2 Consequences of Violations

Violation of these Terms may result in immediate account suspension or termination, legal action, and reporting to regulatory authorities as required by law.

6. Intellectual Property

All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, software, and code, are owned by 2EARN CASH or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our services for personal or commercial purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or lease any part of our services without our prior written consent.

7. Fees and Charges

Some services may be subject to fees and charges. We will clearly disclose all applicable fees before you complete a transaction. Fees may include:

  • Transaction fees for certain payment types
  • Account maintenance fees (if applicable)
  • Currency conversion fees
  • Withdrawal fees
  • Premium service fees

All fees are non-refundable unless required by law or as specified in our refund policy. We reserve the right to modify fees with reasonable notice.

8. Disclaimers and Limitation of Liability

8.1 Service Availability

We strive to provide reliable services but do not guarantee uninterrupted, error-free, or secure access. Services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 2EARN CASH SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Damages resulting from unauthorized access, use, or alteration of your data
  • Third-party claims or actions

Our total liability for any claims arising from these Terms or our services shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.

8.3 No Warranties

Our services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Indemnification

You agree to indemnify, defend, and hold harmless 2EARN CASH, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from:

  • Your use or misuse of our services
  • Your violation of these Terms
  • Your violation of any law or third-party rights
  • Any content or information you submit or transmit through our services

10. Account Suspension and Termination

10.1 Termination by You

You may terminate your account at any time by contacting us at contact@2earn.cash. Upon termination, you remain responsible for all transactions and obligations incurred before termination.

10.2 Termination by Us

We may suspend or terminate your account immediately if:

  • You violate these Terms or our policies
  • You engage in fraudulent, illegal, or harmful activities
  • We are required to do so by law or regulatory authority
  • You fail to provide required KYC/AML documentation
  • Your account poses a security risk

We will provide reasonable notice when possible, except in cases of fraud or legal requirements.

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the Kingdom of Saudi Arabia, without regard to conflict of law principles. For users in other jurisdictions, local laws may apply in addition to or instead of Saudi Arabian law.

11.2 Dispute Resolution Process

Before initiating formal proceedings, you agree to contact us at contact@2earn.cash to attempt to resolve disputes amicably.

If a dispute cannot be resolved through negotiation, disputes shall be resolved through:

  • Arbitration: Binding arbitration in accordance with Saudi Arabian arbitration rules
  • Jurisdiction: Exclusive jurisdiction of the courts of Jeddah, Saudi Arabia

12. Regulatory Compliance

As a regulated fintech company, we operate under the supervision of:

  • SAMA (supervision in progress): Saudi Arabian Monetary Authority
  • EMI License: Electronic Money Institution (Major/Micro)
  • Other Regulators: As applicable in jurisdictions where we operate

We comply with all applicable financial regulations, including AML/KYC requirements, data protection laws, and consumer protection regulations.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or through our platform at least 30 days before they take effect.

Your continued use of our services after changes become effective constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using our services and close your account.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

15. Entire Agreement

These Terms, together with our Privacy Policy and Legal Notice, constitute the entire agreement between you and 2EARN CASH regarding your use of our services and supersede all prior agreements and understandings.

16. Contact Information

For questions about these Terms, please contact us:

Email: contact@2earn.cash
Address:
2EARN CASH
King Abdulaziz University
Jeddah, Saudi Arabia