Terms & Conditions

Himmah Platform for Debt-Crowdfunding (“Himmah”) is a closed joint stock company, licensed by the Saudi Central Bank under license number (_)1 to engage in crowdfunding activities, and to facilitates direct financing between beneficiaries and financiers (investors). We note that this type of financial transactions is regarded as a high-risk investment. It could result in the loss of investor’s capital or the materialization of other financial risks.

All activities and procedures on Himmah comply with the laws and regulations of the Kingdom of Saudi Arabia. Himmah provides opportunities for financiers (investors) and beneficiaries to invest and secure financing. Himmah does not publish information about these financing opportunities as investment recommendations and does not offer any guarantees against risks. Himmah does not ensure or represent any content within the service, including but not limited to guarantees related to offerings, marketing, or specific purposes such as investment decisions. Himmah does not guarantee any results obtained from using the service, content, or data available on the platform. Himmah does not guarantee that all content on the platform complies with the laws and regulations, such as those of the Saudi Central Bank or other regulatory bodies.Himmah, along with its partners, shareholders, board members, and employees, bear no responsibility for any financial losses. Himmah is not liable for any losses related to content or services provided, whether due to contractual obligations, default responsibility, or other reasons, whether direct or indirect, including but not limited to loss of profits or revenues, or any economic or commercial losses. The beneficiaries of these financing opportunities are fully responsible for managing their operations, growing their business, and properly using the funds they receive. Himmah is not responsible for managing these beneficiaries or the funds they receive.

Investors using Himmah should exercise caution and be aware of the risks associated with investing through Himmah, ensuring careful consideration of each investment decision. Himmah does not provide legal, financial, or investment advice, guarantees, or recommendations, and investors should seek reliable advisors to mitigate investment risks. Content or services provided by Himmah should not be interpreted as investment advice or opinions on the suitability of any investment project. They should also not be seen as endorsements or recommendations for specific offers to buy or sell securities, financing, investments, or funding requests. Himmah is not responsible for any investment decisions based on content, services, or results available on the platform. Content on Himmah is for informational purposes only and should not be relied upon without seeking legal or commercial advice. The services were compiled based on past conditions and should not be used to predict future conditions.