Please read these terms and conditions carefully before using this website. These are the general terms and conditions governing your access and use of this website. If you do not agree with any of the terms and conditions below, you should immediately stop using the site and/or any of the services offered through this site. By proceeding to use the site in any way, you are agreeing to comply with these terms of use, including any policies and guidelines. These general terms do not alter in any way the conditions stipulated in the other written agreements or contracts you may have signed with Kuwait Telecommunications Company (stc) or one of subsidiary companies (solutions by stc).

1. Definitions:

“Admin” means the person nominated by the Subscriber that can add/modify Services to the Contract between solutions by stc and Subscriber and pay the services charge.

“Content” means all data, information, and material including, but not limited to, texts, pictures, photographs, software, videos, music, sounds and graphics.

“Services” means any service provided by solutions by stc including: conveyance, emission, reception/transmission or broadcast of voice, data, signs, signals, sounds, images, fixed, IOT, or solution via www.stc.com.kw/business

“solutions by stc” means Qualitynet General Trading Company , a Kuwaiti limited liability company, located in the state of Kuwait.

“Terms and Conditions” means the terms and conditions set forth herein determining the rules of using solutions by stc website.

“Trademarks” means the word or mark stc or solutions by stc, however represented, including stylized representations of all associated logos and symbols and combinations and drawings.

2. User “you” or “Your” Obligations:

2.1 Use the website and the services delivered in accordance with these Terms and Conditions and in an appropriate and lawful manner and by way of example and not as a limitation. User shall not:

2.1.1 Receive, access, transmit or broadcast any content which is unlawful or in breach of any Intellectual Property Rights (including copyrights).

2.1.2 Use the website and/or the services to advertise or offer to sell any goods or services for any commercial purpose without solutions by stc's written consent.

2.1.3 Transmit any electronic content (including viruses) through the website, which causes or is likely to cause detriment or harm to solutions by stc or others.

2.1.4 Attempt to gain unauthorized access to any of solutions by stc’s services, other accounts, computer systems or networks connected to any of solutions by stc’s services through hacking or any other means.

2.1.5 Disclose personal or sensitive information or any information which may identify the user.

2.2 solutions by stc reserves the sole discretion to deny or restrict your Service, or immediately to suspend or terminate your Service, if the use of your Service by you or anyone using it, in our sole discretion, violates the Agreement or other solutions by stc policies, is objectionable or unlawful, interferes with the functioning or use of the Internet or solutions by stc network or other users, or violates the terms of this Terms.

3. Costs:

3.1 Some services may be chargeable as indicated on the website and in any other terms and conditions.

3.2 User acknowledges that he/she shall be responsible for payment of any charges that may be requested, as per the prices announced by solutions by stc.

3.3 solutions by stc shall be entitled to debit from the User's credit card account or recover by any other means any amount including any upfront payment due on any service or product offered through “solutions by stc’s” site once such service requests are accepted. The user shall be liable to pay “solutions by stc” all other charges as indicated for each service.

4. Changes to the Terms of Use:

4.1 solutions by stc reserves the right to modify, alter or otherwise update any of these Terms and Conditions from time to time as it deems fit without the need to serve any announcement in regard thereof. The amended Terms will automatically be effective when posted on the site. Your continued use of the site after any changes or amendments in these Terms shall constitute your expressed acceptance to such changes or amendments.

4.2 solutions by stc reserves the right to discontinue, temporarily or permanently, the site (or any portion thereof), at any time without notice. solutions by stc shall not be liable to you or to any third party for any suspension or discontinuance of the site (or any portion thereof).

5. Geographical Restrictions:

solutions by stc provides this website for use only for persons located within the state of Kuwait. solutions by stc makes no representation that all products and/or services described in the site are appropriate or available for use in locations outside the state of Kuwait. Those who choose to access solutions by stc site from other countries do so on their own initiative and are responsible for compliance with local laws of that country.

6. Proprietary Rights:

6.1 All trademarks used on the website, whether words or designs in any way, are the trademarks of Kuwait Telecommunications Company (stc) or one of subsidiaries companies "solutions by stc”. You shall not use these trademarks; in addition, you acknowledge and agree that you are only allowed to use the website and the services as set out in these Terms of Use and the Terms and Conditions mentioned herein and the signed Agreement. Nothing on this website can be interpreted as granting any license to transfer any Intellectual Property Rights.

6.2 User shall not copy any material contained on this website to any other server without the prior written consent of solutions by stc. Any unauthorized use of the contents of www.stc.com.kw/business shall be deemed in breach of copyright laws and trademark laws in the state of Kuwait or other laws and international conventions "e.g. Berne, TRIP's...etc."

7. Limitation of Liability:

7.1 solutions by stc makes no representations or warranties of any kind, expressed or implied, as to the operation of this website, content or materials included on this website. Moreover, solutions by stc does not warrant that this website is free of viruses or other harmful components. Therefore, solutions by stc will not be liable for any damages of any kind arising from the use of this website, and you agree that your use of this website is at your own risk.

7.2 solutions by stc makes all reasonable efforts to ensure that all information provided via this website is accurate at the time of uploading in the website; however, there may be errors, for whatsoever reason which may be beyond the reasonable control of solutions by stc and in such cases, the user cannot hold solutions by stc liable or responsible for any such situation.

7.3 solutions by stc has the right to reject the sale done through this website in the event of detecting a pricing error due to system and/or incorrect product.

7.4 The User is responsible when using features such as fingerprint and face recognition to access and manage account on webite, application and kiosk.

8. Liability for Violating Site Security:

The User is aware and acknowledges that violating the security of this website is prohibited since it may result in criminal and civil liability as per the laws of the state of Kuwait. Examples of security violations include, without limitation, the following actions:

• Unauthorized access to site and copying the source code • Unlawful use of data or systems including any attempt to probe or scan the site • Breach security or authentication measures • Unauthorized monitoring of data, or • Using any means to avoid any limitations imposed by solutions by stc upon use of customers' passwords

9. Security of Your Account:

Under these Terms of Use, you agree and understand that you are responsible for maintaining the confidentiality of your password associated with access to the services of this website. Accordingly, you agree that you will be solely responsible to solutions by stc for all activities that occur under the usage of your password.

10. Monitoring of Usage & Personal Data:

10.1 Under these Terms of Use, you grant solutions by stc the right to monitor or record your usage of this website, in particular for solutions by stc’s business purposes; such as for quality control and training.

10.2 Moreover, you agree that your personal data provided to solutions by stc through this website may be used and retained by solutions by stc and any third party authorized by solutions by stc to be acquainted with your personal data for purposes of collection, credit or site security.

11. General Terms and Provisions:

11.1 Upon reading these Terms and Conditions, the User acknowledges to being in agreement with all instructions in respect to each service rendered via this website.

11.2 The User pledges not to use the services rendered via website in any form in conflict with the laws of the state of Kuwait.

11.3 If the User's PC does not support relevant technology including, but not limited to, encryption, the User may not be able to use certain services or access certain information on this website.

11.4 solutions by stc’s reserves the right to charge for access to certain services or information provided through this website, such services or information may be subject to additional Terms and Conditions.

11.5 solutions by stc’s website services are constantly evolving. The User acknowledges and agrees that the form and nature of the services which solutions by stc provides may change from time to time without prior notice.

11.6 If any part of these Terms is found to be illegal or unenforceable, this will not affect the validity or enforceability of the remainder of these terms.

11.7 solutions by stc’s reserves the right to revise or change the Terms of Use at any time and all the transactions shall be governed by the Terms of Use in place at that time of such transaction. solutions by stc may assign these Terms of Use to a third party in case any such requirement arises.

12. Language of the Terms:

12.1 The English language version of the website is provided for your convenience only and that the Arabic language version of the website will govern your relationship with solutions by stc.

12.2 Should any conflict arise between the Arabic and the English versions of this website, the Arabic version will be considered as binding.

13. Governing Law & Jurisdiction:

13.1 These Terms of Use are governed by the provisions of the Kuwaiti laws and are subject to all regulations and decrees governing telecommunications within the state of Kuwait and in compliance the provisions of Islamic Sharia.

13.2 The Kuwaiti Court shall settle all disputes that may arise from or are related to "solutions by stc's" website.

14. Warning – Fraudulent E-Mail or SMS Communications:

Before taking any action on any email or SMS, always cross-check with a "solutions by stc" Branch or our Call Center regarding the authenticity of such messages received on your email or SMS on your mobile purporting to be official correspondence from or on behalf of "solutions by stc", using solutions by stc's name and/or brand. Frequently, these unsolicited emails claim to offer immediate payment offers or employment opportunities, or indicate that the recipient has won a competition or lottery asking to enter your mobile number, website access password, ATM number or other information. Therefore, solutions by stc warns you to exercise caution and not to provide any information based on such messages, and advises to contact solutions by stc once receiving such emails.

Contract Terms & Conditions for Products and services provided by solution by stc

This Subscription Contract ("Contract") stipulates the Terms and conditions to be signed by and between Qualitynet General Trading Company “solutions by stc” and Subscriber. (Collectively referred to as "Parties" and individually as "Party"). The Contract shall be effective from the date of signature by the Parties.

1- Terms and Definitions:

• Activation Tariff: Means price paid by the Subscriber to the Company to activate each Subscription Number. • Company: means Qualitynet General Trading Company (solutions by stc). • Corporate Wallet: Additional value provided to Subscriber’s account that can be used during the commitment period by the Subscriber to pay monthly invoices and Device cost. The Subscriber shall not have the right to request the amount to be refunded in cash. • Devices: The hardware, software, or other devices or equipment that the Company provides to the Subscriber in exchange for his commitment to the Contract period or using it during the offer period. • Due Date: The Due date for issuance of the invoice on the subscriptions used by the Subscriber or its subordinates shall be decided between the Parties on mutual understanding. • Package: Set of services provided by the Company to the Subscription Number for a fixed Price for monthly Service. • Payment Method: Prepaid or Postpaid method as selected by the Subscriber. In the case of the prepaid method, the Subscriber shall make the payment in advance for the value of the selected Services. In the case of the postpaid method, the subscriber shall make payment upon availing the Packages Service. Under this method, the subscriber may sign any future annexes which contain different a package. • Subscriber: means any legal entity (person or corporate) requests for subscription form to avail Company Services. Subscription Number: means Identification number given to the Subscriber by the Company to provide the Service. • Services: mean services provided by the Company to the Subscriber including requirements of provisioning of the service more details of Services are available with the Company call center/website. • Tariff: The price fixed by the Company for offering its Services (price per minute for local/ International call, data, SMS)

2- Scope of Services:

• The Company provides the Subscriber upon his request with the Services and the devices in writing according to the prices that are contained in the Service Annex to this Contract. • The Company has the right to re-apply the original prices for the Services without any discounts and without objection from the Subscriber, after the end of the commitment period as agreed upon in the Services Annex, and in the event that the Subscriber does not commit to the number of Services as agreed, the Company has the right to re-evaluate the prices without any objection from the Subscriber.

3- The obligations and rights of the Company:

• The Company has right to temporary disconnect some or all connections and Services in the event of non-payment of dues by the Subscriber exceeding for more than (30 days) from the due date. • The Company shall maintain confidentiality of the Subscriber information.

4- The obligations and rights of the Subscriber:

• The Subscriber shall pay all due amounts of the Services within (30 days) from the date of issuing the bill. • If a subordinate enjoys any of the Services that is mentioned in attached Service Annex, the Subscriber shall not settle the indemnity with such subordinate who terminates his Service(s) with the Subscriber until the Company gives a clearance certificate stating all dues cleared by him in respect of the Services used by him. • The Subscriber shall undertake to pay the full amount due in respect of its subordinate if the subordinate failed to pay the dues. • The Subscriber shall present a selected person who is authorized to manage the Subscriber account as per Company rules and regulations. • The Subscriber is responsible for any decision taken by the authorized person.

5- Service Quality:

• The Company provides the Service to the Subscriber continuously. In the event of any interruption, it shall be rectified as soon as possible. • The Company does not guarantee availability of Services in all areas in same time and quality without interruption resulted from technical reasons or circumstances beyond its reasonable control. The Company may disconnect Services temporarily for the necessary network maintenance. In all such cases, the Subscriber has no right to claim refunding or compensation. • The Company shall have the right to modify and/or change its network provided that the Subscriber shall have no right to claim for such modifications and/or changes. Furthermore, Company shall have the right to amend the charges for the Services provided for its Subscribers upon the end of each Agreement Term prior notification will be sent to the Subscriber. • The Subscriber shall take all the necessary counter-measures to fully secure and protect its network against hacking attempts and/or any unauthorized use. It is also understood that the Company provides the Service “As Is” and accepts no liability for any hacking and/or unauthorized use of the network/ service.

6- Subscription and Payment:

• The Subscriber shall pay the due amounts for the Services subscribed or utilized by him/ her whether for himself / herself or any third party. • The Subscriber may choose payment method (cash – cheque – through website...) In accordance with the related - Company applicable rules and regulations. • The Company may request advance payment for some or all Services. • The Company may deduct any debit from any other contracts of the Subscriber to settle the due outstanding amounts. • The Company may use the Subscriber information to be used for commercial activities.
• The Subscriber shall pay price of any Service whether utilized wholly or partially. • The Company issue the invoice on 1st day of each month. The Company has right to change date of the invoice and the Company shall notify the Subscriber of such change. • In case of Subscriber objection on his bills, he shall maintain paying his bills until the objection is resolved. • In the event of any tax or VAT introduced in Kuwait, Company shall reserve the right to include the VAT fees in the invoice

7- Privacy and Account Details:

• The Subscriber declares that the provided information and data submitted to the Company are accurate and completed. In case of any changes or updates, the Subscriber shall notify the Company in a timely manner. In case of detecting any statement as incorrect or forged, this Contract and the Services provided shall be terminated, the Company shall have the right to collect the due amounts and penalty fees from the Subscriber. • The Company may exchange the Subscriber data with other legal entities, organizations and the other companies, and the Company has right to classify the Subscriber in respect of credit by payment obligation and collect information to specify the proper classification of the Subscriber. • The Company may use the information of the Subscriber for commercial and marketing purposes and display the information for consultant to conduct the commercial studies related to Subscriber. • The Company may authorize any third party for collecting the due amounts by providing such third party all personal information and document. Company may transfer or sell the debt to a third party for collecting the Company’s due amount in accordance with provisions of Kuwait Civil Law.

8- Cases of Services Suspension or Temporarily or Finally Disconnection:

The Company has right to permanently or temporarily disconnect the Service without prior notice in the following cases: • Subscriber fails to pay the fees and due amounts within (30 days). In case of suspension or temporarily disconnection, the Subscriber shall pay the due amount up to date of final Service disconnection as per the Company rules. • If so required by the official entities or authorities. • The Subscriber declares bankruptcy or a receiver is appointed. • Not paying the financial deposit required by the Company. • Violates any of the terms of this Contract or Service Annexes. • Force majeure, emergency or for compliance with the competent authorities’ orders. • The existence of debt to the Subscriber arising from other subscriptions or services.

9- Corporate wallet:

• In case the Subscriber does not comply with the offer mentioned in the Services Annex, the Company has the right to revise the value of the Corporate Wallet, without any objection. • In case of terminating this Contract before the end of the commitment period mentioned above, the Subscriber shall pay the full value of the Corporate Wallet amount used during the commitment period and any other fees or penalties mentioned in this Contract or its Service Annexes. • In case of the commitment ended, the Subscriber is not eligible to redeem or collect the remaining amounts of the wallet. • The Company shall have the right to terminate the Corporate wallet and continue the contractual relationship at any time during the term of this Contract without any objection from the Subscriber, the Subscriber shall pay the full value of the Corporate Wallet amount used, up to the date of termination of the Corporate wallet.

10- Contract period:

• The commitment of this Contract shall commence from the date of providing the Service. In the event of additional services or devices during the Contract period, the commitment period for additional services or additional devices shall be calculated as a new commitment period according to the period specified by the Company. • The Company may terminate this Contract with the Subscriber by giving (30) day advance written notice of the termination, the Subscriber shall pay all due amount until the date of termination. • In the event the Subscriber request to terminate the Contract during commitment period, the Subscriber shall give (30) day advance written notice of the termination to the Company and shall be obligated to pay 75% from remaining commitment period, in addition, the Subscriber shall pay: full value of devices and equipment, due invoice amount, value of discount which were granted on Services, programs, invoices, and any other discounts obtained by the Subscriber throughout the commitment period), the value used from the corporate wallet and any other amounts due. • Upon the expiry of the commitment mentioned in the Services Annex, the Company will continue providing the Services with the same value of the original subscription without any discount unless one of the Parties desire not to extend this Contract. • Following of the commitment period, the Subscriber may terminate this Contract by giving a written notice prior 6 months of the termination date, after paying all due amounts.

11- General Provisions:

• In the event of termination or dissolution of this Contract, its effects apply to the subordinates of the Subscriber. In such an event, the subordinate may avail the Service uninterrupted as per Company’s rate of subscription instead of the rate given in the Annex to this Contract. • The Subscriber shall bear all the cost and legal implications resulting from the misuse of the Service by itself or by its subordinates. • The Subscriber and all its employees who are working in its organization and are authorized to use the Services shall comply with all the terms and conditions of this Contract, and all the laws and regulations stated by MOC & CITRA. • The Subscriber and its employees undertake not disclose or reveal or advertise any of the Services specification to any third party / or any such other related information received from the Company. The Subscriber shall not use such information for any purpose other than those expressly contemplated herein, unless authorized in writing by Company. • The Subscriber undertakes not to waive the Services to any third party and/or resell and/or rent the Services or provide telephone calls to any third party by any local or international communications networks (VOIP) and/or allow any such third party to use the Services without prior written approval from Company. Moreover, the Subscriber undertakes not to forward and/or download any kind of viruses and/or such other harmful programs. • The Subscriber shall take all the necessary counter- measure to fully secure and protect its network against hacking attempts and/or any unauthorized use. It is also understood that Company provides the Service(s) “As Is” and accepts no liability for any hacking and/or unauthorized use of the network and/or Service. • The Subscriber undertakes, in case he wants to use the devices and / or equipment that he owns to operate the Service(s), the Subscriber shall obtain a prior written approval from the Company stating that these devices and equipment are compatible with the specifications presented by the Company. in addition, if the Company has provided the devices/ equipment to the Subscriber these devices are under Subscriber's responsibility , and the Subscriber is obligated to return all these devices / equipment to the Company in good and usable condition at the end of this Contract, otherwise the Subscriber is obligated to pay the value of the devices and equipment. • The Parties agreed that the address provided in this Contract shall be used for communication and notice and any change therein shall be notified to the other in writing. • Arabic language is the approved language in interpretation and implementation of this Contract. Should any conflict arise between the Arabic and the English text, the Arabic text would be considered as binding. • This Contract shall be governed and construed in accordance with the laws of the State of Kuwait and Sharia Principles and the Kuwaiti courts shall have jurisdiction over any legal dispute arises due to the implementation of this Contract. • In witness whereof the Parties executed this Contract as of the date first above mentioned and signed in two original sets, one for each Party.

Contract Terms & Conditions for Products and services provided by stc

This Subscription Contract ("Contract") stipulates the Terms and Conditions to be signed by and between Kuwait Telecom Company “stc” and Subscriber. (Collectively referred to as "Parties" and individually as "Party"). The Contract shall be effective from the date of signature by the Parties.

1- Terms and Definitions:

• Activation Tariff: Means price paid by the Subscriber to the Company to activate each Subscription Number. • Company: means Kuwait Telecom Company. K.S.C (“stc”) • Corporate Wallet: means additional value provided to Subscriber’s account that can be used during the commitment period by the Subscriber to pay monthly invoices, Device cost and the VIP Subscription number. The Subscriber shall not have the right to request the amount to be refunded in cash. • Devices: means Mobiles, routers, software etc. that the Company provides the Subscriber with during the commitment period. • Due Date: means The Due Date for issuance of the invoice for the subscriptions used by the Subscriber or his/her subordinates shall be decided between the Parties on mutual understanding. • Subscriber: means any legal entity (person or corporate) requests for the Company Services. • Subscription Number: means identification number given to the Subscriber by the Company to provide the Service. • Package: means Set of services provided by the Company to the Subscription Number for a fixed Price for monthly Service. • Payment Method: Prepaid or Postpaid method as selected by the Subscriber. In the case of the prepaid method, the Subscriber shall make the payment in advance for the value of the selected Services. In the case of the postpaid method, the subscriber shall make payment upon availing the Packages Service. Under this method, the subscriber may sign any future annexes which contain different a package. • Services: mean services provided by the Company to the Subscriber including, but not limited to, transferring, receiving and sending the calls, SMS and multimedia data via telecommunication and internet network. More details of services are available on Company call centre or website. • Tariff: means The price fixed by the Company for offering its Services (price per minute for local/ International call, data, SMS)

2- Scope of Services:

• The Company provides the Subscriber with the telecommunication Services and its requirements in writing according to the prices that are contained in the Service Annex attached to this Contract. In the event of any change in the subscription, these prices also change as per the terms as shown in the attached Service Annex to this Contract. • The Company has the right to re-apply the original prices for (packages / Services) without any discounts and without objection from the Subscriber, after the end of the commitment period as agreed upon in the attached Services Annex, and in the event that the Subscriber does not commit to the number of Services as agreed, the original prices shall be applied without any discounts.

3- The obligations and rights of the Company:

• The Company has right to temporary disconnect some or all connections and Services in the event of non-payment of dues by the Subscriber exceeding for more than (30 days) from the due date. • The Company shall maintain confidentiality of the Subscriber information.

4- The obligations and rights of the Subscriber:

• The Subscriber shall pay all due amounts of the Services within (30 days) from the Due Date. • If a subordinate enjoys any of the Services that is mentioned in this Contact, The Subscriber shall not settle the indemnity with such subordinate who terminate his Service with Subscriber until the Company gives a clearance certificate stating all dues cleared by him in respect of the Services used by him. • The Subscriber shall undertake to pay the full amount of due in respect of its subordinate if the subordinate failed to pay the dues. • The Subscriber shall present a selected person who will be authorised to manage the subscriber account based on the Company rules and regulations. • The Subscriber is responsible for any decision taken by the authorised person.

5- Service Quality:

• The Company provides the Service to the Subscriber continuously. In the event of any interruption, it shall be rectified as soon as possible. • The Company does not guarantee availability of Services in all areas at the same time and quality without interruption resulted from technical reasons or circumstances beyond its reasonable control. The Company may disconnect Services temporarily for the necessary network maintenance. In all such cases, the Subscriber has no right to claim a refund or compensation.

6- Subscription and Payment:

• The Subscriber shall pay the due amounts for the Services subscribed or utilized by him/ her whether for himself / herself or any third party. • The Subscriber may choose payment method (cash – cheque – through website...) In accordance with the related - Company applicable rules. • The Company may request advance payment for some or all Services. • The Company may deduct any debit from any other contracts of the Subscriber to settle the due outstanding amounts. • The Company may use the Subscriber information to be used for commercial activities through Subscriber numbers.
• The Subscriber shall pay the price of any Service whether utilized wholly or partially. • The Company issue the invoice on 1st of each month. The Company has right to change date of invoice with notifying the Subscriber. • In case of Subscriber objection on his bills, he shall maintain paying his bills until the objection is resolved. • In the event of any tax or VAT introduced in Kuwait, Company shall reserve the right to apply the VAT fees on the invoice.

7- Roaming Service:

• Roaming Service (calls, SMS) shall be automatically added to the subscribed line number. However, the Company does not guarantee Roaming Service quality because it depends on the telecom companies abroad including GPRS, multimedia and video calls. • Roaming Services abroad, shall be subject to the applicable rules and regulations of the foreign country where Subscriber is roaming. • The Subscriber may cancel Subscription three days after request, and the Subscriber undertakes to pay roaming fees within 65 days from the date of roaming. • In case the Subscription has been cancelled prior to the period of 65 days of roaming as indicated in the above clause, any and all roaming invoice received from the external operator(s) shall be added to the invoice. • The Subscriber shall pay all due invoices for using Roaming Services even if the related invoices were delayed for more than 65 days.

8- Privacy and Account Details:

• The Subscriber declares that the provided information and data submitted to the Company are accurate and completed. In case of any changes or updates, the Subscriber shall notify the Company in timely manner. In case of detecting any statement as incorrect or forged, this Contract and Services shall be terminated the Company shall have the right to collect the due amounts and penalty fees from the Subscriber. • The Subscriber shall not disclose PIN or/ and PUK code and the Call Canter PIN to avoid unauthorized use. • The Company may exchange the personal data with other legal entities, organizations and the other companies, and the Company shall have the right to classify the Subscriber in respect of credit by payment obligation and collect information to specify the proper classification of the Subscriber. • The Company may use the personal information of the Subscriber for commercial and marketing purposes and display the information to consultant(s) to conduct the commercial studies related to Subscriber. • The Company may authorize any third party for collecting the due amounts by providing such third party all personal information and document. Company may transfer or sell the debt to a third party for collecting the Company’s due amount in accordance with provisions of Kuwait Civil Law. • The Company shall maintain privacy of the Subscriber’s confidential information and telecommunication movements, and the Company may not disclose the confidential information unless receiving an official request from legal entities or in the presence of the Subscriber in person or by virtue of official power of attorney for the same, after paying the due administrative fees.

9- Cases of Services Suspension or Temporarily or Finally Disconnection:

The Company has right to permanently or temporarily disconnect the Service without prior notice in the following cases: • Subscriber fails to pay the fees and due amounts within (***days). In case of suspension or temporarily disconnection, the Subscriber shall pay the subscriptions up to date of final Service disconnection as per the Company – applicable rules and regulations. • If so required by the official entities or authorities of the country. • The Subscriber declares bankruptcy or a receiver is appointed. • Not paying the financial deposit required by the Company. • Violates any of the terms and conditions of this Contract or its Annexes. • Force majeure, emergency or for compliance with the competent authorities’ orders. • In the event of losing the SIM card, the Subscriber shall notify the Company immediately requesting to stop the Service. • The existence of debt to the Subscriber arising from other subscription(s) or services.

10- Internet:

• In case of subscription in unlimited data package, the Subscriber shall be subject for fair use policy specified by the Company. Therefore, the Company may increase or decrease daily capacity in accordance with the said policy. In case exceeding the limited capacity, speed will be significantly slow till end of the day without adding extra charges or subscription fees. The Subscriber has no right to terminate the Contract or request compensation for reducing speed or applying fair use policy. • Multimedia and data services are run automatically with all subscriptions. The Subscriber shall cease any service by himself/ herself. The Subscriber understands that some smart phones are connected automatically to mobile data services for updating the applications and programs. In all cases, the Subscriber shall pay data package and the fixed prices will be applied. • The Subscriber understands that downloading speed is varied from time to time as per network use.

11- Corporate wallet:

• In case the Subscriber does not comply with the offer mentioned in the attached Services Annex, the Company has the right to revise the value of the Corporate Wallet, without any objection. • In case of terminating this contract before the end of the commitment period mentioned above, the Subscriber shall pay the full value of the Corporate Wallet amount used during the commitment period and any other fees or penalties mentioned in the contract or annexes. • In case of the commitment ended, the Subscriber is not eligible to redeem or collect the remaining amounts of the wallet. • The Company shall have the right to terminate the Corporate wallet and continue the contractual relationship at any time during the term of this Contract without any objection from the Subscriber, the Subscriber shall pay the full value of the Corporate Wallet amount used, up to the date of termination of the Corporate wallet.

12- Contract period:

• This Contract shall come into effect from the date of activating the Service and committed in accordance with the Service Annex. In case, the Subscription package includes Devices, Services, and Internet Services, provided against instalment payments or free, on some/all of the lines, then the commitment period will be extended on the exciting commitment period and as per the Service Annex. • Either Party may terminate this Contract by giving (30) day advance written notice of the termination to the other Party, and after settling all dues amount for the Company. • In the event the Subscriber request to terminate this Contract during the commitment period, the Subscriber shall pay the termination fees mentioned in this Contract, the Services Annex, the discounted amounts for the (Devices, Services, Equipment) and the amounts used in from the Corporate Wallet and any other due amounts. • Upon the expiry of the commitment mentioned in the Services Annex, the Company will continue providing the Services with the same value of the original subscription without any discount unless one of the Parties desire not to extend the contract.

13- General Provisions:

• The Subscriber may by providing written notice to the Company, terminate any of the Services without any fees or additional obligations, except for the Services that have a committed period which shall be subject to the penalty clause in accordance with this Contract and its Service Annex. • In the event of termination of this Contract by either Party, the Company may impose the penalty clause described in the Contact and its Services Annex. • In the event of termination or dissolution of the Contract, its effects shall apply to the subordinates of the Subscriber. In such an event, the subordinate may avail the service uninterrupted as per Company rate of subscription instead of the rate given in the Service Annex to the Contract. • The Subscriber shall bear all the cost and legal implications resulting from the misuse of the Service by itself or by its subordinates. • The Company undertakes to provide and maintain continuity and quality of Services. However, disruption in Service may occur due to maintenance or expansion of networks or due to any other cause, which is beyond its reasonable control. • The Subscriber and all its employees who are working in its organization and are authorized to use the Services shall comply with all the terms and conditions of this Contract, and all the laws and regulations stated by MOC & CITRA. • The Subscriber and its employees undertake not to disclose or reveal or advertise any of the Services specification to any third party / or any other related information received from the Company. The Subscriber shall not use such information for any purpose other than those expressly contemplated herein, unless authorized in writing by Company. • The Subscriber undertakes not to waive the Services to any third party and/or resell and/or rent the Services or provide telephone calls to any third party by any local or international communications networks (VOIP) and/or allow any such third party to use the Services without the prior written approval of the Company. Moreover, the Subscriber undertakes not to forward and/or download any kind of viruses and/or such other harmful programs. • The Subscriber shall take all the necessary counter- measure to fully secure and protect its network against hacking attempts and/or any unauthorized use. It is also understood that Company provides the Service(s) “As Is” and accepts no liability for any hacking and/or unauthorized use of the network and/or Service. • Arabic language is the approved language in interpretation and implementation of this Contract. Should any conflict arise between the Arabic and the English text, the Arabic text shall be considered as binding. • This Contract shall be governed and construed in accordance with the laws of the State of Kuwait and Sharia Principles and the Kuwaiti courts shall have jurisdiction over any legal dispute arises due to the implementation of this Contract.

Terms of Payment

Kuwait Telecommunications Company (stc) or one of its subsidiary companies "solutions by stc” provides voice and/or data mobile telephone services (service) to any person subscribing to a solutions by stc mobile line, (hereinafter referred to as ‘Customers') a provision for paying their bills "Online" through the solutions by stc website by using their Credit/Debit card such as MasterCard, Visa, American Express, Dinners Club or Debit Card hereinafter referred to as "Card".

• The Monthly payment billing cycle date is given in the subscription contract. Customer shall make online payments within the time frame provided in the billing cycle and any delay in the payment shall leads to automatic change in the status (Active – Suspended – Terminated – Disconnected) of their line.

• Refund process: The electronic transaction with solutions by stc may take 48 hours for the ATM transaction and 72 hours for credit card. the Customer can’t refund the payment in the following cases: -

a. disputed by the issuer bank, b. reversed for any reason by the payment processor, issuer bank, or acquiring bank. c. not authorized or any reason to believe that the transaction was not authorized. d. allegedly unlawful, suspicious, or in violation of the Terms listed on the website or Agreement. e. declined or refused for any other reason.

• If any Customer believes that someone has made an unauthorized payment Online without his/her permission, the Customer shall contact the Bank immediately. The Customer is solely responsible for any unauthorized payments. solutions by stc does not warrant the confidentiality or security of such information provided by the Customer, whether personal or otherwise, when it is transmitted to the Online Payment Service.

• solutions by stc may delay, suspend or reject an online payment transaction for any reason, including without limitation, if solutions by stc suspects the transaction appeared to be a financial or a security risk or is an unauthorized, fraudulent, suspicious, unlawful, in violation of the any Terms listed in the website, subject to dispute or chargeback, or otherwise found to be unusual/ambiguous.

• The Customer shall take full responsibility and risk of online payment transaction and solutions by stc shall not be responsible for unauthorized use of the Card for debit clearance or providing any wrong amount while using the Card.

• solutions by stc shall have the right to adjust the payment received in respect of any of the lines of the Customer equally with any unpaid line if the Customer subscribes to multiple lines.

• These Terms of Payment are subject to change at any time without notice. Any provision which is not covered under these Terms of Payment shall be interpreted as per Services Terms and Conditions of the Subscription Form.