Privacy Policy and T&C

“Liv.” is a product of Emirates NBD Bank - KSA

Terms and Conditions for Liv. Services

For the purposes of performing the Liv. Services, the Customer acknowledges and agrees that by reviewing and accepting the Liv. Services Terms and Conditions, he authorizes Liv. and/or the Emirates NBD branch - Kingdom of Saudi Arabia and enables it to use, disclose, and share the Customer’s personal, financial, and banking information with Emirates NBD in United Arab Emirates or any of its subsidiaries or any service provider contracted with it. Moreover, for the purposes of performing Liv. Services, the customer authorizes and gives permission to the Emirates NBD branch - Kingdom of Saudi Arabia to obtain any information related to the Customer, whether personal, financial, or banking, from any entity, authority, organization, governmental or semi-governmental company, credit bureau or Etisalat company and service providers, such as telecommunications, electricity and water companies, or any other person or entity required inside or outside the Kingdom, which maintains or is supposed to record this customer information and disclose it. The bank and/or the branch of Emirates NBD - Kingdom of Saudi Arabia shall be entitled to communicate with these authorities, in accordance with this approval and in accordance with the instructions of the Central Bank in this regard.

  • Section 1: Interpretations
  • Section 2: General Terms and Conditions applicable to Liv. Account
  • Section 3: General Terms and Conditions commonly applicable to Liv. Account

1. Interpretations

In these Terms and Conditions, unless the contrary intention appears:

"You" and "your" or "Customer" mean the customer. "We", "our" and "us" refers to Liv. and its successors and assigns or to any "Affiliate" if any services are being provided by an Affiliate under these Terms and Conditions.

2. General Terms and Conditions applicable to Liv. Account

2.1 Am I eligible to open a Liv. Account?

Yes, as long as:

2.1.1 You are

(i) a resident in the KSA or a

(ii) citizen of KSA and over 18 years with capacity to contract in accordance with applicable laws in the KSA.


  1. You must have National address in Saudi Arabia; and
  2. You have a valid Absher account with the Ministry of Interior in KSA

Also, you must have:

  1. a valid and active KSA mobile number linked to valid ID; and
  2. At our request you provide us with all documents we may ask for from time to time, in a form satisfactory to us.

2.2 Features of the Liv. Account

Below we present to you the features of the Liv. Account. Liv. shall be free to change these features at any time upon informing the customer of them within 30 days. To discover the latest features, you may review the Liv. Application.

  • Single Operation: An individual who fulfils the eligibility criteria mentioned above can open and operate Liv. Account on his/her own. A joint account or Power of Attorny for operation of a Liv. Account is not permitted.
  • One Account per Customer: Only one Liv. Account can be created per person.
  • Cheque Book: No Cheque Book will be provided.
  • e-Statements: E-statements can only be accessed using the Liv. App.
  • Technology Dependency: Liv. Account for selected content is handset/operating system dependent as acceptable to Liv.This service is currently available on iPhone with iOS 11 and above and Android Phones with Android version 5.0 and above.
  • Cash Withdrawal: The Customer may withdraw a maximum of SAR 5,000 per day through any of the ATMs in the Kingdom of Saudi Arabia. Customers shall also be entitled to withdraw from any of the Emirates NBD branches in the Kingdom of Saudi Arabia. Customers shall be required to register their signature on the first visit and benefit from this service after ID verification.
  • Transactions: Only Electronic Instructions will be accepted.
  • Balance Replenishment: The balance may be recharged using a debit card issued by any bank in the Kingdom, or by depositing checks, bank drafts, or cash deposits at any of the Emirates NBD cash deposit machines in the Kingdom of Saudi Arabia. The Customer shall provide the necessary security verification data before submitting the transaction.
  • Welcome Kit: An accepted Liv. Account will receive a Welcome Kit, which will contain the Liv. Card that can only be activated via the Liv. App.
  • Liv. Card: The Liv. Card may be used for cash withdrawal, POS payment, pass-through payment (Atheer service), and online purchases. The rest of the other payment and transfer transactions shall be done through the Liv. App. The Liv. Card shall not be classified as a credit card.
  • Account basis currency: Bank account basis currency is Saudi Riyal
  • Loyalty Points: Your loyalty points (Livions) have no monetary value and Liv. has the right to remove them at any given time.

2.3 Withdrawals and Commissions on the Liv. Account

- Withdrawal: It shall be possible to withdraw from the Liv. Account when an existing balance is available. The Liv. Account cannot be over drafted.

  • -Profits: Profits shall be accrued on the minimum balance [in accordance with the limits approved by Liv.] during each calendar month, at an annual rate determined by Liv. from time to time, and Liv. shall be entitled to change it upon 30 days' notice to the Customer. No earnings shall be accrued on the month the Liv. Account is closed. The accrued profits shall be deposited (available) at periodic intervals determined by Liv.
  • -Transaction Limits: The following limits shall be applied to transactions made on the Liv. Account, and Liv. shall be entitled to change them from time to time (according to the principles of protecting individual customers):

    1. Cash Withdrawals: Maximum of SAR 5,000 Per day

    2. Point of Sale Transactions: Maximum of SAR 20,000 per day

    3. Peer-2-Peer Transfer: Maximum transfer in a calendar month: SAR 3,000

    4. Local Transfer (Sarie): Maximum of SAR 50,000 Per day

2.4. Fees and Charges for Transactions

Transactions via the Liv. App: Fees may apply to all transactions allowed through the Liv. App, unless otherwise specified in these Terms and Conditions, or in the applicable laws or regulations.

Transactions at Emirates NBD Branches: Fees may apply to all transactions permitted in the branch, unless otherwise specified in these Terms and Conditions or in the applicable laws or regulations.

Liv. Card Issuance Fees: Liv. Card reserves the right to charge you at any time a fee for (i) issuing or reissuing the Liv. Card, or (ii) any fees or expenses in accordance with the updated Bank tariff instructions issued by the Central Bank. You shall be notified of this within 30 days.

For details on the Fees and Charges, please refer to the Liv. KSA website (

Liv. Charges


Liv. Savings Account

Account Opening


Monthly Average Balance Fee


Yearly Profit Rate on End of day

Balance starting 1st January 2023

SAR 5,000 to SAR 49,999

0.50% p.a.

SAR 50,000 to SAR 249,999

1.00% p.a.

SAR 250,000 to SAR 499,999

1.50% p.a

SAR 500,000 to SAR 999,999

1.75% p.a.

SAR 1000,000 and Above

2.00% p.a.

Liv. Statement

Downloading e-statements in app


Printed and Stamped Statement

SAR 25*

Debit Card Issuance

First Card


Replacement Card (Lost/Damaged/3 Invalid PINs)

SAR 30

Emirates NBD ATM / CDM in KSA

Cash Withdrawal/ Deposit


Balance Enquiry


Other Bank ATMs in KSA

Cash Withdrawal


Balance Enquiry


Declined Transaction



Cash Withdrawal

SAR 10

Balance Enquiry


International ATMs

Foreign Currency Withdrawal

SAR 25

Balance Enquiry

SAR 3.50

Top up

Up to SAR 10,000/month using any KSA Bank issued Debit Card


Money Transfer

Local Inward Transfer


Transfer Between Liv. Accounts


Next Day Transfer to other KSA banks


Same Day Transfer to other KSA banks


International Inward Transfer


Bill Payments

Pay All Utility Bills



2.5. Right to Withhold Payments

Any sum that may be payable by us to you will be subject to all applicable laws, including any withholding tax requirement, foreign exchange restriction or control. You agree and acknowledge that pursuant to the foregoing, we may perform, or cause to be performed withholding of any monies payable to you, deposit any such monies into a sundry or other account and/or retain such monies pending determination of the applicability of such withholding tax requirement, foreign exchange restriction or control. Liv. will not be liable for any losses that may be incurred by reason of such withholding, retention or deposit.

2.6. Statements of Account & In-App Alert

An Electronic Statement will be available on the Liv. App. The Electronic Statement will be available for download at any time. You may request a hard copy statement at a branch of ENBD in KSA subject to applicable charges and fees in accordance with the updated Bank tariff issued by the Central Bank.

If you are late in viewing the electronic disclosure or reporting any error or problem with it, this may affect our ability to correct the error or resolve the problem, and you shall bear the resulting losses. You acknowledge that we shall not be liable for the consequences of any omission, error, or failure on your part to notify us of any questionable limitation/withdrawal in a timely manner. We also reserve the right, without reference to you, to add or amend entries to electronic disclosure, transaction notices, deposit notices, and records. Without prejudice to the foregoing, we shall be free to allow you, upon your request, to receive electronic notices regarding the content that we make available from time to time.

Electronic Notice may be sent by email, telephone and/or other electronic means, subject to terms and charges imposed by your network, telecom, or telephone service provider, or third parties. You acknowledge that Electronic Notice may be delayed or not received due to factors affecting our Service Providers and other related parties, and we shall not guarantee the delivery, timeliness, or accuracy of Electronic Notice or Content. You further acknowledge that electronic notice may arrive after a certain time interval and/or be delayed. We reserve the right to modify the features of the Electronic Notice, and to discontinue or terminate the Electronic Notice service at any time. We shall have no liability to you or any third party for loss, damage, or expense arising from (a) non-delivery, delay, or erroneous delivery of the Electronic Notice, (b) incorrect or insufficient content, or (c) your use of, or the use of any third party,or your reliance on the content of the Electronic Notice for any purpose, including for business and investment purposes. We make no warranty of any kind, implied, express or statutory, including, but not limited to, warranties of non-infringement of third party rights, title, merchantability, acceptable quality, fitness for a particular purpose, accuracy, adequacy, merchantability or reliability. Nor do we make any warranty about the security of the information sent to you through Liv. The Bank shall put in place high-level control systems and provide a secure and confidential environment in all its banking channels to ensure the confidentiality of customer data and to prevent any security breach. The Bank shall also be responsible for compensating customers for any losses in the event that customers' losses are the result of weak security controls.

The information provided to you through Liv. shall not be updated continuously but at regular intervals. Therefore, any information provided through the Liv. Service shall relate to the last downloadable electronic statement. Monthly account statements shall be available for up to a full year through the Liv. App, although this period is at Liv.'s discretion. We shall be free to allow you, upon your request, to receive certain notifications at specified times (collectively, “Notices”) for some of the types of content that we provide from time to time.

2.7. Rights and obligations of Liv.

2.7.1. Liv. will execute a payment instructions/instruction issued and duly authenticated by you, unless:

a. The funds available in your Liv. Account are not adequate or properly applicable to comply with the payment instructions/instruction and you have not made any other arrangement to meet the payment obligation.

b. The payment instruction is incomplete or it is not issued in the agreed form.

c. The payment instruction is attached with notice of any special circumstances.

d. Liv. has reason to believe that the payment instruction is issued to carry out an unlawful transaction.

e. The payment instruction cannot be executed on account of a court order/instructions from police or regulator etc.

In addition,

a. No payment instructions issued by you will be binding on Liv. until Liv. has accepted it. Liv. will inform you through such modes as may be available as soon as practicable the reasons for non-acceptance of the payment instructions.

b. Liv. will, upon execution of every payment instructions, be entitled to debit your Liv. Account, the amount of the funds transferred together with charges payable thereon. In case of an excess payment due to Liv. by you on account of this activity, Liv. reserves the right to adjust the amount against future balance in your Liv. Account.

c. If the funds transfer is not complete before the end of the timing specified by you, Liv. will notify you through such modes as may be available.

d. A duly authenticated record of the transaction after completion of the funds transfer will be recorded in the Electronic Statement given to you.

- Liv. may close the Account immediately before activation, according to the instructions of the account opening rules, whenever it is proven that the information provided by the customer is incorrect or in violation of Liv.'s Know Your Customer Policy during account opening. An email shall be sent to the Customer informing him to visit the nearest branch to receive the available credit balance in the Liv. Account or, where applicable, by transfer to a local bank account specified by the Customer.

f. Change in Mobile Number: You must advise us of any change in your mobile number. The new number will be registered after necessary verification in accordance with Liv.'s process and policies. Failure to update Liv. might lead to services being impacted

g. Loss of Mobile: In case of loss of mobile, the Customer can download the Liv. App on the new handset and access Liv. Account. Upon successful installation and authorization of Liv. App, the Customer will be logged out from his/her Mobile Phone/Device

2.7.2. Foreign Inward remittances:

On any remittance received from outside the KSA in any Liv. Account, the remittance will be credited into the Liv. Account subject to the internal checks to be conducted by Liv. The rate of conversion of foreign exchange for transactions will be as per the market conditions, which will further be subject to ENBD's final determination and decision and such charges and fees as may be prescribed by ENBD from time to time. In the event of any discrepancy between the Customer’s details and the relevant remittance instructions, Liv. reserves the right to reject or hold the payment at it sole discretion. Liv. will endeavor to contact the Customer to resolve the discrepancy on a best efforts basis.

2.8. Inconsistent terms

If there is a conflict between these Terms and Conditions and any other terms governing the relevant product and/or service, these Terms and Conditions shall apply to the extent that they relate to our compliance with tax, reporting or withholding tax requirements (including, without limitation, FATCA and Common Reporting Standards and whatever may be amended, copied or replaced) and in line with the instructions of the Central Bank.

2.9. Account Closure

1. The bank shall inform the Customer of any decision it takes if his Account is closed 60 days prior to the date of the decision, explaining the reasons that led to that. The Bank may close or freeze the Account immediately if fraud or embezzlement cases are discovered in it.

2. In the event that no funds are deposited within a period of (90) days, the Bank shall close the account.

3. When the Customer wishes to terminate his dealings with the Bank, he shall submit a request to close his Account and return the ATM card and account card, (in case the Customer is unable to return them, the Bank shall acknowledge its responsibility), and the Bank shall destroy them in front of the Customer and deposit for the Customer the full amount into his account. The Bank may reject the Customer’s request in the event that the Account to be closed is linked to financial services that arose on this Account and its existence, its financial danger, and the effects that require the continuation of the Account, provided that the Bank explains to the Customer in this case the time allowed to request closing the Account.

4. In the event that the Account, after opening it, is exposed to problems verifying the banking relationship and the problems cannot be resolved, or the relationship with the Bank is being used for a purpose other than its stated purpose, the Bank shall close the relationship and return the money/balance to its source. If there is a suspected connection to the Customer’s transactions (money laundering, terrorist financing, or the like), the Bank shall apply the instructions for combating money laundering and terrorist financing, including reporting.

5. In the event that the Account is opened and the Customer deposits in it and then withdraws from it and the balance becomes zero and it continues without balance or transactions for a period of 4 years, the bank shall - after verifying that there are no commitments or obligations on the Account - close the Account after notifying the Customer a month before the date of closing, and notifying him at the time of closing, documenting the notices and saving them in the Customer’s file. The Bank shall add the Terms related to closing the Account within the Terms of the Account Opening Agreement or in a paper attached to the Agreement if it is difficult for the Bank to amend the Account Opening Agreements.

6. The Bank may close Customer Accounts whose balances are equivalent to (1,000) riyals and less, provided that the Customer is notified a month prior to the date of closing, and is notified at the time of closing, and the notices are documented and saved in his file. The Bank shall keep all the data of these Customers and the amounts of their balances in the pooled account, to hand it over to them upon their review of the Bank.

The bank shall also exercise due diligence in communicating with Customers with immobile banking transactions in accordance with the Provisions of Rule No. (5-4) of the Rules for Opening Accounts that include the policy and procedures for communicating with them, as well as taking into account that disclosure, seizure and enforcement procedures are not affected by those unclaimed accounts (Unclaimed).

7. The Freezing Rules outlined in the Rules for Opening Accounts shall apply to the Liv. Account.

Liv. reserves the right to close, or freeze the account immediately in case of irregular usage of the Account including but not limited to suspicion of fraud or failure to comply with SAMA regulations.

Liv. will not be liable for any consequences arising out of such closure of any Liv. Account including but not limited to stop calculating profits after the expiry of any such notice period. An email will be sent to Customer advising him to visit the nearest ENBD branch to collect the credit balance available in the Liv. Account which may in the form of a Manager’s cheque, or where possible, will accommodate to do a local bank transfer to an account specified by the Customer. ENBD has the right to freeze the account or amount credited to the account in case of any fraudulent suspicious activities.

2.10 Discontinuation

You may terminate Liv. Account Services by placing a request within the Liv. App. Termination will not affect any rights or obligations accrued prior to the effective date of termination.

2.11 Death or Incompetence

If Liv. is notified that a Customer dies or is declared incompetent to contract by a Court/competent authority, Liv. may place a hold on the Liv. Account and stop all operations and follow SAMA guidelines and policy.

2-12. Your Rights and Obligations

a. You shall be entitled to issue payment orders for us to carry out, in accordance with these Terms and Conditions and any requirements we specify.

b. You shall issue payment orders in the form and manner specified by Liv. You shall be held responsible for the correctness of the payment order data issued by you, and you shall indemnify us for any loss resulting from any error in it.

c. You shall be bound by any payment order that we execute, whenever we execute it in good faith and in accordance with security procedures, but you shall not be bound by any payment order that we execute and prove that it was not issued by you and that it was issued as a result of negligence or fraud by one of the Liv. Employees.

d. You shall guarantee the availability of funds in the Liv. Account that are sufficient to implement the payment order, prior to its execution by Liv. And if we execute the payment order without sufficient funds in your Account, you shall pay us the amount debited on your account, for which we have executed a payment order in accordance with the payment orders of Liv., in addition to the prescribed fees, including the fees payable to Liv.

e. You authorize us to debit your account for any obligations that Liv. incurs to carry out the Payment Orders issued by you.

f. You acknowledge that Payment Orders will become final and irrevocable once we have executed them.

g. You acknowledge that you shall not be entitled to file a claim against any party in the Saudi System for fast money transfers (SARIEE) with the Central Bank of Saudi Arabia.

h. You acknowledge that the Payment Orders that are executed through the Saudi System for Fast Money Transfers (SARIEE) are not related to any special circumstances.

i. You acknowledge that you are familiar with the legal and security controls for the fingerprint service (face and finger) and agree that all fingerprints on the device shall be considered as belonging to you.

3. General Terms and Conditions Generally Applicable to the Liv. Account and Generally Applicable to All Liv. Services

3.1 Liv. Services

3.2 Use of the Liv. Services on Third Party websites for Products and Services

The balance in the Liv. Account can be used by you for various purposes including money transfer, recharge, and payment for purchase of goods or services from any merchant/Third Party that is associated/registered with Liv. for Liv. Services. Use of the Liv. Account represents a payment instrument used for the above purpose and does not represent sale, resale, or licensing any of the products or the services that Liv. reviews, lists, or advertises on its websites/App, and Liv. disclaims any responsibility for or liability related to them.

For your convenience, Liv. Services may include, refer to or make available hyperlinks to other websites or content on the Internet that are owned or operated by Third Parties. Such linked websites or content are not under our control and we are neither responsible for the contents of or the consequences of accessing any such linked website, nor for any goods or services provided through any such linked websites. Any hyperlinks to any other websites or content are not an endorsement or verification of such websites or content and you agree that your access to or use of such linked websites or content is entirely at your own risk. In respect of Third Party products and services, your correspondence or related activities with Third Parties, including payment transactions and goods-delivery transactions, are solely between you and that third party. Under no circumstances will we be construed to be a party to any Transaction, if any, between you and any third party products or services provider. We do not endorse, sponsor, certify, and are not involved in the provision of such third party products or services and we will not be liable in any way for any products obtained and/or purchased from or services rendered by any such third party. You will not involve us in any claims against or dispute with such third party. Any questions, complaints, or claims related to any Third Party product or service will be directed to the appropriate Third Party. All Content is made available for information purposes only, except where expressly provided otherwise. Specifically, such Content is not intended nor will it be construed as financial, tax or other advice or as an offer, solicitation or recommendation of securities or other financial products. You acknowledge and agree that the Content is provided by Liv. for your personal use and you undertake not to redistribute or transmit all or any of the Content to any third party (whether free of charge or for consideration, in any manner or form whatsoever), without our prior written consent. If some content is uploaded by you on the Liv. App you will be responsible for such content and you will ensure that such uploaded content does not contravene any applicable laws in force.

3.3 Bill Payment

You may make a bill payment/s from your Liv. App to certain Billing Organisations. The Bill Payment facility is subject to the following:

a. You acknowledge and authorise that Liv. is merely providing a platform for Bill Payment facility at your request.

b. Liv. reserves the right to add or remove a Billing Organisation in the Liv. App at any time.

c. In order to make a bill payment, you will be required to enter relevant consumer reference number and such other details as may be required by each Bill Payment transaction and you will be responsible for the accuracy of the details provided.

d. You also agree to inform Liv. of any change in identification details as registered with the Billing Organisation through the Liv. App.

e. You consent to the Billing Organisation disclosing your billing details to Liv.

f. While Liv. will take all reasonable steps to ensure the accuracy of the billing details, it will not be liable for a bill payment with incorrect details including late payment charges, loss, duplicate or incorrect payments made from your Account. You will not hold Liv. responsible for any loss, damages, etc. that may be incurred/suffered by you if the information provided by you or the Provider turns out to be inaccurate/incorrect and for the biller rejecting the bill amount because of incorrect or incomplete entries.

g. You agree that any disputes on bill details will be settled directly with the Billing Organisation and Liv.’s responsibility is limited to provision of information received from the Providers.

h. You agree that the record of the instructions given and Transactions with Liv. will be conclusive proof and binding for all purposes and can be used as evidence in any proceeding.

i. You agree that we are at liberty to withdraw at any time the Bill Payment facility, or any services provided there under, in respect of any or all Liv. Account(s) without assigning any reason whatsoever, without giving you any notice.

3.4 Electronic Instructions

You further agree that Liv., its Affiliates and the Providers will be entitled (but not obliged) to act upon or rely on Electronic Instructions received from your registered communication address and/or using your Security Codes and Authentication on Liv. App and hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you and you waive all rights and remedies against Liv., its Affiliates and the Providers in respect of any loss, damage or expense thereby arising. You will be responsible and will be liable for all Transactions. Any risk of misunderstanding, error, loss, damage or expense resulting from the use of Liv. Services are entirely at your own risk and Liv. will not be liable therefore. You irrevocably and unconditionally authorize Liv. to access your Account(s) for effecting banking (including Liv. Services) or other transactions performed by you through the Liv. App/Website. Liv. will have no obligation to verify the authenticity of any transaction/instruction received or purported to have been received from you through the Liv. App/Website or purporting to have been sent by you other than by means of authenticating through User ID/Password or Authentication. All Electronic Instructions will be deemed to be irrevocable and unconditional upon transmission through the Liv. App/Website and Liv. will be entitled (but not obliged) to affect, perform or process such Electronic Instruction(s) without your further consent and without any further reference or notice to you. We are not obliged to give effect to any request to cancel or amend any Electronic Instruction. In the event you give an instruction to debit your Liv. Account for payment of an amount from the Account, the instruction will be executed on a real time basis unless otherwise specified by Liv.. You will not be able to give any instruction to Liv. to stop payment from the Account and the amount debited from the Account will not be reversed to the Account. If you have scheduled a transaction to be processed on a future date and such future date is not a Business Day, such transactions will be executed on the next Business Day. However, if you have scheduled a transaction to be processed on a future date and wish to cancel the transaction and/or give any instructions to Liv. to stop payment from the Account, you will be required to make such cancellations/give stop payment instructions online five (5) Business Days prior to the scheduled date of such transaction. You will ensure that there are sufficient funds in the Account for Transactions and we will not be liable for any consequences arising out of failure to carry out the instructions due to inadequacy of funds provided always that we will at our sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to you and you will be responsible to repay the resulting overdraft, advance or credit thereby created and for all related costs and charges.

Transaction Execution

Some of the facilities/services/transactions provided by Liv. can be implemented via its instant implementation. It may not be immediately executed or available for immediate execution or otherwise at all times, due to systems failure and/or suspension by Liv., and you shall not be entitled to hold Liv. responsible for the failure to implement any commands you send through the Liv. application or the consequences of that, because Liv. made its Application to make it easier for you. Without prejudice to the foregoing, Liv. shall be available during times of failure of Liv. systems for whatever reason. You acknowledge and affirm our right to the following at any time:

a. at our sole discretion and without stating reasons, require that you identify yourself by alternative means;

b. require any Electronic Instructions to be confirmed through alternative means;

c. Refusal of electronic orders at any time, including:

  1. to verify the authenticity thereof; or
  2. where they are ambiguous, incomplete or inconsistent with your other Electronic Instructions or instructions, information and/or data; or
  3. which may have lapsed, been rendered invalid due to failure to comply with applicable conditions or are cancelled by the relevant regulatory or governmental body; or
  4. will cause you to exceed your applicable transaction or Account limits, if applicable; or
  5. will result in any insufficiency of funds.

d. determine the order of priority in effecting the Electronic Instructions, the Transactions and other existing arrangements you have made with Liv. (for example, standing instructions and funds transfer to other accounts.),without incurring any responsibility for loss, liability or expense arising out of so declining to act. You agree that we will not be liable for any loss, damage or expense suffered by you as a result of:

  1. Electronic Instructions being inaccurate, inadequate or incomplete in any way; or
  2. Any failure, refusal, delay or error by any third party through whom any such Electronic Instruction is transacted.

Where we choose to act on Electronic Instructions, we act on a commercially reasonable effort basis. Notwithstanding the termination of Liv. Services, we may (but are not obliged to) carry out any outstanding Electronic Instructions made prior to the termination of Liv. Services. You hereby agree that you will not attempt or permit others to attempt accessing your Account with Liv. through any unauthorised means and you will not part with your User ID and Password and/or Security Codes.

3.6 Fund Transfer Through the Liv. App

When the fund transfer facility is made available to you, it may be used for transfer of funds from Liv. Account to other accounts/prepaid payment instruments belonging to third parties maintained at Liv. and/or at any other bank or third party in the KSA. Such transfer of funds may be effectuated on the basis of the third party's mobile phone number, provided such third party is also a customer of Liv. In the event such transfer of funds is from Liv. Account to accounts belonging to third parties maintained at any other bank in the KSA, which falls under the network of SAMA’s SARIE, then the same will be governed by the Terms and Conditions applicable to SARIE. You will be responsible for keying in the correct account number or mobile phone number (as applicable), and other details, as required, for the fund transfer request.. Liv. will endeavour to effect funds transfer transactions received through the Liv. App subject to availability of sufficient funds in the Liv. Account. Liv. will specify from time to time the limit for carrying out various kinds of funds transfer or any other services through Liv. App. This facility will be provided in accordance with the arrangement between Liv., its Affiliates and Providers and as per conditions specified by Liv. from time to time.

You can add and subsequently remove beneficiaries to whom you wish to make transfer of funds using the Liv. App. In order to do so, You will be required to authenticate your identity by way of Security Codes or other ways of authentication and verification.

3.7 Account Balance and Transaction History

You will monitor the balance in your Account and examine all entries in your Transaction history. You will report/notify Liv. as soon as you notice any transactions wrongly made or made without authority or inaccurate entries in the Transaction history or of any matter concerning your Account that may invite suspicion. You also irrevocably authorize Liv. to debit the Account for all Transactions/services undertaken by your User id., Authentication and Password.

3.8 Authentication, Security Codes and Security Devices

a. Use of the Liv. App will either require the use of Security Codes or Authentication, subject to your election. Security Codes will be issued directly to you and such issuance will be subject to these Terms and Conditions as applicable to you in your personal capacity. You may also configure your Liv. Account to allow for login using Authentication when setting up your Liv. Account. Where you have configured your Liv. Account to allow for login using Authentication, you will be able to login to your account using Authentication, without any requirement to use Security Codes, except where explicitly required by Liv.

b. You are responsible for the confidentiality and use of your Security Codes. Subject to configuring your Liv. Account to allow for Authentication, You must use your Liv. App User name and Password to access and use the Liv. App and to perform transaction(s) on the Website. You are responsible for safekeeping and maintaining the confidentiality of your Security Codes. You must not disclose to any person your Security Codes and will not authorise any person to use your Security Codes for any purpose whatsoever. You agree to take all reasonable measures and all due care to protect your Password against misuse by third parties. You will, as soon as possible, reset your Password should you notice that your Liv. App has been accessed or used without your knowledge, authority or consent. As a matter of abundant precaution you should change your Passwords at periodic intervals.

c. You must notify Liv. immediately if you have knowledge or have reason for suspecting that the confidentiality of the Security Codes has been compromised or if there has been any unauthorised use of the Security Codes (such as where you notice any unauthorised transactions or unauthorised access to your Accounts) or your Security Code has been disabled after a number of incorrect password attempts up to such number as may be communicated by Liv. to you from time to time.

d. We will send you Alerts notifying you of transactions conducted on your Account. The nature of transactions for which Alerts are generated, the timing of Alerts and the mode of notification will be determined at our discretion. You provide your consent to us so that we can push these notifications to you at any time of the day and whether or not you have unsubscribed to receive such messages.

3.9 Security Issues, Software and Hardware

You will at your cost, procure, maintain and update/upgrade all such software, and/or device, hardware and/or equipment , as applicable, from time to time, to avail, access and use theLiv. App and Services.and be compatible with Liv.’s system at your own risk and expense. You undertake to ensure that mobile phone you use to access Liv. Services are free from any malware, virus, Trojan or such other computer/internet contaminants. Liv. will be at liberty to change, vary or upgrade its Liv. App, from time to time and will be under no obligation to support your software, hardware, operating systems and that the same will be your sole responsibility. Liv. will not be liable for any losses that may be suffered by you as a result of any incompatibility between the Liv. App and the software mobile phone or other device from which you may use to access the Liv. Service or non-use of the Liv. Service due to such incompatibility issues. You acknowledge and agree to the following Internet or Mobile Phone/Device related risks:

a. Insufficient technical knowledge and lack of safety precautions can make it easier for unauthorised third parties to access your systems or devices (for example, insufficiently protected storage on the Mobile Phone /Device or where you have jailbroken your Mobile Phone/Device, file transfers), and it is your responsibility to take the necessary security precautions.

b. Your usage patterns may be monitored by third parties.

c. Third parties could gain unnoticed access to your Liv. App/Account and detect your access to Liv. Services and your communications with us.

d. Viruses and other malicious code may interfere with Liv. Services, the Liv. Channels, the Liv. App, web browser or any relevant telecommunication device (including mobile phone) or computer systems.

3.10 Maintenance and preservation of records

Liv. at its sole option and discretion will maintain such records of transactions carried out by you in your Accounts, as Liv. may deem fit or as mandated by applicable aw and regulations... In case of conflict between the records kept by Liv. and those of yours, the records of Liv. will be conclusive and binding. The period for preservation of such records will be a as dictated by any statutory enactment or regulations or Liv.’s internal policy.

You hereby agree that all such records (including records of Electronic Instructions) are admissible in evidence and that you will not challenge or dispute the admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were incorporated and/or set out in electronic form or are produced by or were the output of a computer system, and you hereby waive any of your rights (if any) to so object. As a tool to correct misunderstandings, you understand, agree and authorise us to, at our discretion and without further prior notice to you, monitor and record any or all telephone conversations or electronic communications between you and us and any of our employees or agents.

3.11 Charges and Fees

Please refer to for applicable charges and fees. We reserve the right to and may at our sole discretion, charge and revise fees (for example, subscription fees, per transaction fees etc.) in relation to the use of Liv. Services and for the provision of or any replacement of Security Codes for whatever reasons from time to time. We will, in most cases, give reasonable notice of such days, as may be prescribed by SAMA from time to time, to you, for any change in the rates, fees and charges before they become effective provided that such variation is within our control. Provided that any changes made in the Charges and Fees whereby your liability has increased such an increase will be applicable only after notice. You authorise us to debit your Liv. Account(s) for all fees for the provision and/or use (authorised or unauthorised) of Liv. Services and any other liabilities to, and loss, damage or expense suffered by us as a result of our provision and/or your use (authorised or unauthorised) of Liv. Services (including any of your liability to us).

Where an Electronic Instruction, or the debiting or crediting of any Account in connection with an Electronic Instruction, requires the conversion of one currency into another, we are authorised to effect such conversions at the rate determined by us and/or Providers.


In the event that any amount paid, including, but not limited to, any amount levied as value added tax or similar sales tax (VAT) is taxed, you shall pay such taxes along with any other amounts due, and you shall reimburse us for any amount due to us. The System shall collect and pay for those taxes. We may debit the Account for such taxes, including interest on default, due in the manner specified in these Terms and Conditions or in any other agreement and/or other fees, charged from time to time.

3. 12 Right to Lien and Set Off

Liv. will have an absolute right of lien and set-off, irrespective of any other lien or charge, present as well as future on the accounts, including amounts lying in fixed deposit linked to your Liv. Account or balance lying in Liv. Account and also over any and all securities of your lying or that may come into the possession of Liv. and /or ENBD from time to time for safe keeping or otherwise in any of your Accounts maintained with Liv. (singly or jointly) to the extent of all outstanding dues, whatsoever, and howsoever arising. Without prejudice to the contents of the preceding paragraph, Liv. has and will have a paramount and irrevocable right to reverse any entry (debit or credit) made in the Account with reference to any transaction carried out on the ATM, by Point Of Sale Transaction, Liv. App, or otherwise whatsoever, where in the course of any scrutiny, verification, checking, investigation, audit or otherwise for whatsoever reason or action by Liv., it is found or determined that the entry was incorrect, was not accompanied by proper supporting documents/authorisations, or for whatsoever reason was incorrect or did not meet any rules or regulations or specifications/policy including but not limiting to those of Liv. or otherwise. Liv. will have and will continue to have a lien on your Account to recover such costs, damages or liability that Liv. may incur or be imposed and will further have the right to claim and recover any shortfall from you.

3.13 Discontinuation

The Liv. Services may not be available for technical reasons, and you shall be notified of any interruptions. Liv. Services may be suspended or withdrawn for security, technical, or other reasons. If you do not provide your updated data or confirm your status/review the KYC procedures specified by Liv. at regular intervals (and according to the Account Opening Rules issued by the Central Bank of Saudi Arabia), we reserve the right to prevent you from accessing the Liv. services and the Liv. account. You shall be notified if the Services are stopped according to the instructions of the Central Bank, and you shall be directed to alternative means.

3.14 Your Liability

You acknowledge and agree that:

a. Access to Liv. Services is through your Mobile Phone and any Transaction, which originates from the same using Authentication and/or your User ID and Password/Security Codes, whether initiated by you or not will be deemed to have originated from you.

b. In the event that you or any other individual uses the Liv. Services in an unlawful or inappropriate manner, you shall bear the financial penalties determined by Liv. It may result in the suspension or termination of the Liv. services provided to you or the closing of your Liv. Account.

c. You acknowledge that the internet and e-mail are not a secure or error-free means of communication, and you are aware of the potential risks involved in transmitting information through the Liv. App, the internet, or e-mail.

d. You undertake to keep us indemnified at all times against, and to save us harmless from all actions, proceedings, claims, loss, damage, costs and expenses including consequential losses/damages which may be brought against us and which will have arisen either directly or indirectly out of or in connection with us sending account statements and other documents on email.

3.15 Accuracy of information

You will be responsible for the correctness of information supplied by you to Liv. through the use of Liv.App or through any other means such as electronic mail or written communication. Liv. accepts no liability for the consequence arising out of erroneous, incorrect or incomplete information supplied by you. If you suspect that there is an error in the information supplied to Liv. by you, you will advise Liv. as soon as possible. Liv. will endeavour to correct the error wherever possible on a ‘best effort’ basis. All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerized backup system maintained by Liv. in its ordinary course of business. While Liv. will take all reasonable steps to ensure the accuracy of the statement, Liv. is not liable for any error. You will hold Liv. harmless against any loss, damages, etc. that may be incurred/suffered by you if the information contained in the above said outputs turns out to be inaccurate/incorrect/incomplete. Liv. will not be obliged to verify the accuracy, adequacy and completeness of Electronic Instructions. Accordingly, Liv., its Affiliates and the Providers may treat the Electronic Instructions as valid and binding on you notwithstanding any error, fraud, and forgery, lack of clarity or misunderstanding in the terms of the Electronic Instructions.

3.16 Limitation of Responsibility and Liability

Liv. is not liable for any loss suffered by you or any third party arising from and in connection with your registration of, access to and use of the Liv. App/Website except where such loss is attributable to our negligence or wilful default. Without prejudice to the foregoing, Liv. will not be liable for any inconvenience, loss, cost, damage or injury suffered by you or any third party arising from or caused by:

a. Our compliance with any instruction given or purported to be given by you relating to a Transaction, notwithstanding that the integrity of the information comprised in such instruction may have been compromised or impaired during transmission, provided that such compromise or impairment will not have been apparent to a reasonable person receiving such instruction;

b. Use of the Liv. App by third parties, whether authorised or unauthorised by you;

c. Your transfer of funds to the wrong mobile number, account number or IBAN or to the wrong recipient;

d. Theft or loss of your Mobile Phone/Device on which the Liv. App is installed;

e. Your inability to effect or complete any Transaction due to system maintenance or breakdown/non-availability of the Liv. App/Website or any network;

f. You being deprived of the use of the Liv. App/Website as a consequence of any action by us;

g. Any failure by us to perform any obligation or observe any of these Terms if such failure arises from a failure of, or any unauthorised and/or unlawful access to, any machine, data processing system or transmission link or any act of force majeure such as acts of God, war or warlike hostilities, civil commotions, riots, blockades, embargoes, sabotage, strikes, lock-outs, fire, flood, shortage of material or labour, delay in deliveries from sub-contractors, or any event outside our control;

h. Any equipment or software providers, any service providers, any network providers (including but not limited to telecommunications providers, internet browser providers and internet access providers), or any agent or subcontractor of any of the foregoing; or

i. Any act or omission by Liv. in compliance with any applicable laws and/or regulations, including laws governing personal data protection, and any instructions and/or directions given by any local or foreign regulatory body, government agency, statutory board, ministry, departments or other government bodies and/or its officials.

Any downloading of data from the Liv. App is done solely at your risk, and Liv. will not be liable for the integrity or use of any data downloaded in any way. Provided that you have notified us in reasonable detail and in a timely manner of any problems experienced in the use of Liv. Services, Authentication and the Security Codes, Liv. will use commercially reasonable efforts to correct such problems within a reasonable period of time (but without further liability if we are unable to do so). Notwithstanding the aforementioned provision or any other provision of the Terms and Conditions, Liv. Services, the Authentication, the Security Codes and the Content are provided on an “as is” and “as available” basis. Neither we nor our licensors (including contributors of articles, reports, surveys and news) warrant the accuracy, adequacy, completeness, timeliness, quality, currency, reliability, performance, or continued availability of Liv. Services, the Security Codes or the Content and each of us and our licensors (including contributors of articles, reports, surveys and news) expressly disclaim liability for errors or omissions or any delays in the delivery of the Content, or for any action taken in reliance on the Content. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with Liv. Services, the Security Codes or the Content. Liv. may from time to time without giving any reason or prior notice, upgrade, modify, alter, suspend, discontinue the provision of or remove, whether in whole or in part, the Liv. Channels, Liv. Services, the Security Codes, the methods available for access to Liv. Services, or any information, services or products provided therein and will not be liable if any such upgrade, modification, suspension or alteration prevents you from accessing Liv. Services. The information provided through Liv. Services including the specifications, prices, availability and other details of the products and services provided through Liv. Services may be modified, deleted, or replaced from time to time and at any time at our absolute discretion. While Liv. may apply such technology as it deems fit to ensure the security of and prevent unauthorised access to the Liv. Service, Liv. does not warrant that Liv. Services or any of the Content, the Authentication or the Security Codes will be provided uninterrupted or free from errors or that any identified defect will be corrected; further, no warranty is given that Liv. Services, the Authentication, the Security Codes and the Content are free from any computer virus or other malicious, destructive or corrupting code, agent, program or macros. Liv. does not warrant the security of any information transmitted by you or to you through Liv. Services or via email or mobile phone. Liv., its Affiliates and the Providers will in no event be liable to you or any other person for:

a. any direct, indirect, incidental, special, consequential, punitive or economic loss, expense or damage arising from or in connection with any access, use or the inability to access or use the Liv. Channels, the Liv. App, Liv. Services, the Content, or reliance on the Content, howsoever caused and regardless of the form of action (including tort or strict liability);

b. any downtime costs, loss of revenue or business opportunities, loss of profit, loss of anticipated savings or business, loss of data, loss of goodwill or loss of value of any equipment including software; and/or

c. any loss or damage arising as a result of improper usage or malfunction of any computer or mobile phone or other telecommunications equipment used to access Liv. Services or incompatibility thereof with our systems; even if we are advised of, or otherwise might have anticipated, the possibility of such loss, damage or expense.

Liv. will be under no liability for any damage, loss or expense, or for any obligation to pay or reimburse charges and fees to you for unsuccessful crediting or debiting of money through the use of a Liv. Services. Except where Liv. has been grossly negligent, that is for events or acts directly attributable to its own omission .Liv. will also under no circumstances be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained/suffered by you or any other person due to any transaction carried out or not carried and/or incorrectly/incompletely carried out and/or being carried out with or without your knowledge or authority on the Liv. App/Website and/or due to non-availability or partial availability of any medium of Liv. and/or due to any loss/misuse of Liv. Card and/or use of your password(s) by any other person or persons. In cases where Liv. is led to believe that an instruction may not have been properly authorised by you, Liv. will be entitled but not under any obligation, after making reasonable efforts to check whether the instruction was properly authorised, to take steps to reverse any action taken on the basis of that instruction. Liv. will not be responsible or liable for any losses suffered by you due to such reversals.

3.18 Consent to Disclosure/ Provision of Information

a. The Customer shall own all his financial, legal or credit information, including information related to his address, telephone or consumer bills, and his authorized signatories shall be authorized to verify it, obtain it, and disclose it in accordance with the Instructions of the Central Bank issued in this regard, as well as the National Data Governance Policy and Personal Data Protection law.

b. Without prejudice to the foregoing, the Customer hereby authorizes Liv., without the need to get any written or oral permits, to obtain or disclose any of the information indicated in this consent from any governmental or semi-governmental authorities, body, organization, company, credit bureau or telecommunications company and any service provider such as electricity water and telecommunication companies, or any other person or entity as it is needed, whether inside KSA or abroad, which maintain or are supposed to maintain any of the information contained in this consent relating to the Customer. Liv., pursuant to this consent, may communicate with such bodies to obtain or disclose any of information mentioned in this consent.

3.19 Assignment

Liv. will be entitled to assign or transfer its right and obligations under the terms to anybody or any entity of its choice in whole or in part and in such manner and on such terms and conditions as Liv. may decide. Any such assignment or transfer will conclusively bind you and all other persons. You are not entitled to assign or transfer any of your right and obligations under these Terms and Conditions to any third party without prior written consent of Liv.

3.20 Intellectual Property

You acknowledge that the intellectual property rights of Liv. are owned by Liv., its Affiliates, or the Providers. No part or parts of the Liv. App may be reproduced, distributed, republished, displayed, broadcast, hyperlinked, transmitted, adapted, modified to create derivative works or otherwise commercially exploited in any manner or by any means or stored in an information retrieval system without our prior written permission. You may view, print or use the Content for personal, non-commercial use only, provided further that you do not modify the Content and that you retain all copyright notices and other proprietary notices contained in the Content. The trademarks, service marks, and logo (“Trade Marks”) used and displayed in or through the Liv. App/Website are registered or unregistered Trade Marks of Liv./others. Nothing in the Liv. App/Website will be construed as granting, by implication, estoppels, or otherwise, any license or right to use any Trade Marks displayed in or through the Liv. Channels or Liv. App/Website, without our written permission.

3.21 Indemnification

You agree and undertake to fully indemnify Liv., its Affiliates, service providers, subcontractors, and agents, and to hold each of the aforementioned parties harmless, from and against all liabilities (including settlement sums), losses, charges and expenses (including legal fees and disbursements on a solicitor-client basis), claims, demands, actions and proceedings which we, our Affiliates, service providers, subcontractors and agents may incur, suffer or sustain directly from or by reason of or in relation to the use, misuse or purported use or misuse of Liv. Services, and will pay such monies to Liv. upon its demand.

3.22 Miscellaneous

Liv. reserves the right to use any service providers, subcontractors and/or agents on such terms as it deems appropriate. In case our digital assistance is unable to resolve your query then you will have an option to chat with our contact centre staff. You acknowledge that you have not relied on any representation made by Liv. or any of its employees, Affiliates, service providers, subcontractors or agents.. Except for our Affiliates, service providers, subcontractors and agents, no person or entity who is not a party to these Terms and Conditions will have any right to enforce these Terms and Conditions, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, this will not affect the rights of any permitted assignee or transferee of these Terms and Conditions.

  • You agree to grant Liv the right to collect, store and process any information or data you provide to Liv. and to use information and data about your use of the Services
  • By agreeing to provide consent for receiving special offers of the products and Services offered by Liv on the site you agree to these Terms and Conditions, without limitation or exception, and acknowledge having read them in their entirety.
  • Liv. may share any information and data with third parties based on your permission obtained for receiving information on special offers by using this site and you hereby explicitly agree to the collection and use of the said data by ENBD for the purpose described above.
  • Liv. and or third parties may use such information or data to identify you on social media platforms in order to provide you with the latest products, offers or incentives offered by Liv. or such third parties.
  • Any conditional subscription is considered void and invalid. If you do not agree with these Terms and Conditions, which you cannot modify, you must not subscribe to receiving special offers
  • Liv. reserves the right to decide on any appropriate actions, without any commitment on our part to take specific actions and/or transfer the complaint to the authorities in case a situation arises.

3.23 Variation in Terms and Conditions

Liv. may by notice through the Liv. Channels or by such other method of notification as it may designate (which may include notification by way of email or notification through the Liv. App), vary these Terms and Conditions, whereupon such a variation will take effect no sooner than thirty (30) Days from the date of the notice.

If you would like to object to our intended variation of the Terms and Conditions please do so within 10 days following such notification. If you do not accept the variation, you must stop using Liv. Services and terminate Liv. Services

If you use Liv. services including any new services after such date, you are deemed to have accepted such variations and such amended Terms and Conditions will be binding on you.

Our right to vary these Terms and Conditions in the manner aforesaid may be exercised without the consent of any person or entity who is not a party to these Terms and Conditions.

3.24 Illegality

In the event on or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable the remaining provisions shall remain valid and enforceable.

3.25 Notice

3.25.1 Communication from Liv.

You hereby authorise Liv. or its agents to send promotional messages including the products of the Liv. App/Liv. Services, greetings or any other messages/communications which Liv. may consider appropriate from time to time, by way of SMS and/or Email. Liv. is entitled to send you “notifications in the Liv. App and SMS notifications” (“Notifications”) relating to your access to and use of the Liv. App and any updates on related services.

3.25.2 Communications through electronic means

Electronic delivery may be in the form of electronic mail, an attachment to the electronic mail, or in the form of an available download from the Liv. Channels. Liv. will be deemed to have fulfilled its legal obligation to deliver to you any document if such document is sent via electronic means. Failure to advise Liv. of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery will serve as an affirmation regarding the acceptance of the document. It may be noted that alerts if sent through SMS will be sent to the registered mobile number only. All communication by Liv. will be in Arabic (and where applicable in English) and will be through Liv.App and /or Liv app notifications or using electronic services or any other electronic media or through your Mobile Phone/Device. Where necessary, Liv. may also give any notice and communication through the press, radio, television, internet or any other media at the discretion of Liv.’s choice. Any communication from Liv. to you will be deemed to have been received by you and complete:

a. If sent by email – at the time of sending to your email address.

b. If sent by electronic services – at the time it was sent.

c. If made over the Liv. App or on the Website – at the time of publishing.

3.25.3 Communication from you

Any notice, instruction, correspondence or other communication you give to Liv. must be in writing and must be received by Liv. Liv. may accept instructions over the Liv. App or by any other mode that Liv. may agree with you. You must provide to Liv. any application forms, authorisations or other documents as may be required by Liv. from time to time.

3.26 Feedback and Complaint Mechanism

We welcome feedback, and resolving concerns!

Customers can reach out to the support team of Liv. via an in-app chat [or email us at connect@liv.ksa during any time and on any day. Liv. will endevour to respond to your feedback or complaint as soon as possible. Customer will be advised on alternative mode of contact outside the official working hours. Kindly note that the Liv. team do not work on public holidays i. Liv. reserves the right to investigate complaints regarding the use of the Liv. App, Liv. Service or reported violations of these Terms and to take any action Liv. deems appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials.

3.27 Language

These Terms and Conditions are presented in English and Arabic.

3.28 Governing Law and Jurisdiction

The Terms and Conditions of Liv. Services shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia.

Definitions and Interpretations

The following words and phrases have the meaning set out below and are used in the Privacy Policy and the Terms and Conditions, unless the context indicates otherwise:

Account: means and includes Liv. Account

Affiliate: means in relation to any person, any entity controlled, directly or indirectly, by the person, any entity that controls, directly or indirectly, the person or any entity directly or indirectly under common control with the person. For this purpose, "control" of any entity or person means ownership of a majority of the voting power of the entity or person.

Agent: means person(s), either physical or autonomous robot, appointed by provide all or any part of the Banking Service.

Approved Location: means any location in KSA where the Liv. Services are offered.

Billing Organisations: means any biller registered with Liv./our partner organisations to which payments can be made using your Liv. Account.

Bill Payment: means a service provided through the Liv. App for making payment from your Liv. Account to the billers.

Authentication: means the process for logging into your Liv. Account using facial recognition technology (Face ID) , fingerprint recognition technology (Touch ID) or other verification technology, tools and means as implemented by Liv. from time to time.

Business Day: means any official working day on which ENBD is open for business in the KSA.

Cut-off time: means the deadline established by Liv, ENBD and /or the competent authority in KSA or the relevant third country, from time to time, by which a particular type of transaction such as bill payments, fund transfers, etc. can be initiated or completed.

Cellular Service Provider hereafter referred to as "CSP": refers to the GSM/GPRS/EDGE/WI-FI Service provider (for operation of Mobile Phones/Devices etc).

Content: means and includes any information, images, links, sounds, graphics, video, software or other materials, including quotes, news and research data, made available through the Liv. App.

Customer’s Instruction: means the instructions given by the Customer to Liv. or ENBD from time to time regarding operation of the Liv. Account either via the Liv. App, registered email address, telephone or in person .etc.

Electronic Alert: means and includes in-App notification and/or SMS/email notification sent to you on your registered mobile number/Liv. App/your registered email address.

Electronic Instructions: means any communication, instruction, order, message, data, information or other materials received by us through the Liv. App using Security Codes [or Authentication.

Electronic Statement/e-Statement: means a consolidated statement of accounts as per Liv's record for each Liv. Account available on the Liv. App.

ENBD: means Emirates NBD Bank (PJSC) including its branches in KSA.

KSA: means the Kingdom of Saudi Arabia.

Liv. Account: means a bank account opened or to be opened using the Liv. App.

Liv. App: means an application for a Mobile Device that can be downloaded by you from a designated location or application store.

Liv. Card: means a physical debit card which includes any replacement or renewed card issued by us to you at your request or otherwise.

Liv. Channels: means and includes any platform used or which may be used for accessing Liv. Services or communicate with you related value added offers, information and promotions as may be made available or availed through the Liv. App or Liv. Website.

Liv. Services: means all banking services, and other value added services as may be made available from time to time, carried out or availed by you through the Liv. Account and the Liv. App.

Mobile Phone/Device: means the handset with requisite accessories, equipment attachments and other software which maybe owned/possessed by you and/ CSP.

Password: means the unique sequence of alphabets and/or characters used to log in to the Liv. App.

Personal Information: for purposes of the Privacy Policy this means information which can personally identify you including but not limited to your name, address, national ID number, phone number, email address, location and device information. And as per the definition of customer data protection law.

Point of Sale Transaction(s): means any payment initiated at a cash register or other payment interface that utilizes either the chip or magnetic stripe of a physical Debit Card.

Providers: means and indicates any person or entity with whom Liv. has a partnership for rendering Liv. Services either directly through the Liv. App or through third party sites or applications.

SAMA: means the Saudi Central Bank.

Security Codes: means and includes Password, personal or log-on identification numbers, One-Time-Passwords (OTP) and other codes and access procedures including in-App notifications or short messaging service (SMS) for use in connection with access to and use of Liv. Services extended by us from time to time.

Security Devices: means any smartcards, tokens, electronic devices, hardware or any other equipment given by us to you from time to time in order to enable you to access and/or use Liv. Services.

SWIFT: Society of Worldwide Interbank Financial Telecommunications, a computer network which provides interbank communication facilities worldwide.

Taxes: means taxes including any goods and/or services tax, value added tax, excise tax or other tax or duty that may replace such tax and/or duty or be levied in addition to any existing tax and/or duty, by whatever name called.

Transaction: means any transaction or operation made or performed, processed or effected through Liv. Services by you or any person purporting to be you, or any person purportedly acting on your behalf, with or without your consent, including: Any payment or fund transfer from the Liv. Account; and

Any purchase made with the Liv. Card

  • Any administrative function including without limitation the request for issuance of new Security Code or Security Device, clicking or activating a functionality.
  • Any other banking transaction that may be made available through Liv. from time to time (including making bill payments); and
  • Any banking transaction carried out through any branch of ENBD
  • Transaction History: indicates details of all the Transactions entered into or performed using the Liv. App and includes Transactions carried out in any branch of ENBD
  • User ID:means an identification (including Authentication) through which you can access the Liv. App and the products and services offered by Liv.

Website: refers to the Liv. Website which is at

The Customer has agreed, being fully competent to contract and act, as follows:

  1. Is not legally prohibited from dealing with Liv., and that all the data he provided is true and reliable.
  2. Has read the Terms, Conditions, and Obligations of the Account Opening Agreement and accepts all that is stated therein and understood our Privacy Policy and the Terms and Conditions for Liv. Services and agree to comply with them.
  3. Acknowledges to adhere to any amendment to these documents in accordance with these Terms and Conditions for Liv. Services and Central Bank instructions.
  4. Shall be held responsible before the competent authorities for the funds that he deposits personally or that others deposit in his account with his knowledge or without his knowledge, whether he personally disposed of it or not, in the event that he did not officially notify of it when he became aware of its existence in his account. He also acknowledges that the deposited funds are the result of legitimate activities and that he is responsible for their safety, and that if the Bank receives any illegal or counterfeit money from him, he shall not be entitled to its recovery neither compensation for it.
  5. The Bank shall be entitled to freeze the Account or one of the amounts restricted in it in the event that the Bank suspects that the Account has been used or that the amounts are the result of financial fraud.
  6. Is the ultimate beneficiary of the account.
  7. Acknowledges that he shall prohibit transfers to persons or entities unknown to him, according to the regulations in force in the Kingdom of Saudi Arabia, and that all transfers he makes shall be to persons/entities known to him and for known and legitimate personal purposes).
  8. Has obtained a work permit in the Kingdom of Saudi Arabia (for residents only)