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Terms of use

Terms of use
Latest update : Sun, 11/13/2022 - 20:07

Terms of Services:

this is website, Small and Medium Enterprises Bank website (hereinafter referred to as Small and Medium Enterprises Bank Website or SME Bank website or the “Website”) is available for your personal use. Your access and use of this website are subject to these terms of use and the laws applicable in the Kingdom of Saudi Arabia. Therefore, your access and use of this website form an irrevocable approval of the terms of use whether you are a registered user or not. This agreement shall be effective as of the date of your first use of this website. As outlined in the vision and message of the website, the most important purposes of this website are to increase communication with the public, provide information and definitions about the tasks and services of the Small and Medium Enterprises Bank, and provide the users of the website with the same. The use of the website is subject to a number of terms and conditions, which are continuously updated and changed as the case may be. Any modification or update of such terms and conditions shall be effective immediately upon approving it by the website management. This requires you to continuously review the terms of use and disclaimers to be aware of any new updates. This is because continuing to use this website means you have reviewed and accepted any modification to the terms of use, noting that such terms and conditions include property rights. Moreover, the website management is not under an obligation to notify any updates applied to such terms of use.


Restrictions to Use:
By using the SME Bank website, you hereby undertake not to:
●    Provide or upload any files containing software, materials, information, or data not owned by you or for which you do not have a permit.
●    Use this website in any way to send commercial or unsolicited email messages or any misuse of such type of SME Bank website.
●    Provide or upload any files containing viruses or damaged information to this site.
●    Publish, advertise, distribute or circulate materials or information defaming reputation, violating laws, pornography, obscene, violating the Islamic teachings or public morals, or any illegal materials or information through the SME Bank website.
●    Use the SME Bank website to subscribe to any illegitimate or illegal activities in the Kingdom of Saudi Arabia.
●    Use the SME Bank website to advertise any product or service that puts us in a position of violating any law or system applied in any field.
●    Use any means, software, or procedure to intercept or attempt to intercept the proper operation of the SME Bank website.
●    Perform any procedure applying unreasonable or improper overload to the infrastructure of the SME Bank website.


Links to other websites:
Links to other websites are provided for the convenience of the visitor. However, we are not liable for the contents or credibility of the websites for which we provide links and we do not approve the contents thereof. Therefore, using any of such links to have access to such websites is made at your own risk. We also work on replacing the impaired – corrupted – links to other websites. However, we do not guarantee that such links will permanently work properly because we do not control such links.


Antivirus Protection:
We do our best to scan and test the contents of this website in all stages of production. We further advise you to operate antivirus software to scan all materials downloaded from the web. We do not hold ourselves liable for any loss, interruption, or damage of your information, computer, or any browsing device you have that could happen during connection to this website or upon using any material downloaded from this website


End of Use:
We may, at our absolute discretion, terminate, restrict or suspend your access to the website and use the same without notification for any reason including the violation of the terms of use or any other conduct we deem, at our absolute discretion, illegal or harmful to others. In such an event, you shall not be allowed to have access to this website.

SME Bank website, the service, information, materials, and jobs available on it or which can be accessed through the website are provided for your use on an “as is” or “as available” basis without any acknowledgment, promise, or guarantee of whatsoever nature. We do not guarantee or assume any liability for any interruption, errors, or violations that may result from using this website or its contents or any other website connected to it, being under our knowledge or not. The user shall not be entitled to the property or confidentiality of any communications or information sent by the user through this website. Moreover, any use or interactive use of this website does not guarantee, or is not meant to guarantee, any rights, permits, or advantages to the user. The SME Bank’s assignment of any right it may have subject to these conditions in any place or event does not mean in any way an automatic or permanent assignment of any rights in other places and events.


Limits of Liability:
The e-services provided online by the SME Bank website and obtaining information about the different governmental departments and entities are only provided for facilitating the manual procedures. You hereby acknowledge being fully aware that online communications may be subject to interference or interception by third parties. The website does not replace the information provided by the official authorities and the applications and administrative procedures shall be made directly before the concerned authorities. Therefore, referring to this website is made at your liability. In no way do we assume any liability for any loss or damage you may suffer because of using or visiting the website; depending on any statement, opinion, or advertisement on the website; delaying the operation, lack of access, or bad connection to the internet; the breakdowns of equipment or software; the conduct or ideas of any person having access to this website. Therefore, hereby agree that your only way to avoid any damage or loss resulting from having access to or using this website is to stop using or accessing it.


You hereby undertake not to take any proceedings against the Small and Medium Enterprises Bank or any of its departments and to compensate and hold it harmless against liability together with any entities, employees, or agents who may be responsible for the management, maintenance, update or providing SME Bank website against all obligations and liabilities in connection to any claim resulting from any breach on your side of the terms of use, or any laws applicable in the Kingdom of Saudi Arabia or where you live.

Property Rights:
This website is under the supervision of the Small and Medium Enterprises Bank in the Kingdom of Saudi Arabia. All materials available on this site, including the illustrations of information and software (contents), are protected under copyright rights, trademarks, and other forms of property rights. Whereas one of the main purposes of the website is represented in increasing awareness and enriching the culture of the users and visitors of the website, only personal and nonprofit use can benefit from the contents and any information published on the website. It is important to refer that the SME Bank website as the source of such content and information. On the other hand, it shall be completely prohibited to sell, license, lease, modify, copy, duplicate, print, upload, advertise, distribute, publicly view, or prepare any works derived from any materials or contents from this website to the public or use the same for commercial purposes without obtaining the prior written consent from Small and Medium Enterprises Bank in the KSA. It is completely prohibited to modify any contents of the website. Moreover, the drawings and images on this website are copyrighted and may not be copied or used in any way without obtaining prior written consent from the Small and Medium Enterprises Bank in the KSA.

By this, you agree to submit exclusively to the judicial authorities in the Kingdom of Saudi Arabia regarding all claims and disputes that arise from your use of this website, note that Arabic will be the official language used to resolve any disputes arising from your use of the website or any of its contents.

General Terms & Conditions:
o    All materials and information available on the website are for awareness and nonprofits.
o    Arabic language is the main language for using the website and for benefitting from all materials published on it. The translation of any of such materials is to provide an added value. However, the available translation may not be relied on to interpret any dispute concerning the contents of the website.
o    All regulations and laws published on the website, whether those of Small and Medium Enterprises Bank or of any other authorities, may be translated to interpret the meaning thereof for increasing the benefit. However, the Arabic text of all such regulations and laws forms the main reference. Therefore, in no way it may be relied on the interpretation translation thereof to extrapolate any information or details.
o    The website includes a number of channels and tools for e-sharing like forums, polls, comments on published materials, blogs, a voting system, visitors’ comments, personal subscriptions, mobile phone text messages, and toll-free services around the clock.
o    The website management set a number of standards and restrictions for the use of all e-participation channels to ensure achieving the best benefit from the principle of e-sharing. Your use of such channels forms a permanent approval of the standards and restrictions of the use thereof.
o    Small and Medium Enterprises Bank is entitled to delete or not publish any comments of the website users, that the website management finds improper.
o    You can review all criteria and restrictions for the use of the e-sharing channels on this page.
o    In case you have any inquiries or opinions on the privacy conditions and disclaimer, kindly, contact the portal management through the communication form on the “Contact Us” page
Or contact SME Bank by calling: 8003033333
Or via Twitter: @smebankcare
Or via email: