Legal Package

1. Terms & Conditions

Arab OFW Loans & Partners acts as a loan brokerage, referral, and application-processing service. The following terms apply to all users of our platform:

• Submission of an application does not guarantee approval of any loan.
• Applications are subject to waiting list procedures based on completeness, eligibility, and lender requirements.
• All submitted documents are subject to verification and anti-fraud review.
• We connect eligible applicants with participating lenders and financial institutions.
• Liability of the Company is limited to the provision of referral and processing services only.
• Dispute resolution procedures apply in the event of disagreement regarding our services.
• These terms apply across all jurisdictions where our applicants are located, including Saudi Arabia, UAE, Qatar, Kuwait, Bahrain, Oman, and the United States.

2. Privacy Policy

We collect identity, employment, residency, and financial information solely for the purposes of application review, fraud prevention, and lender referrals. Cross-border processing and data retention provisions apply. For the full Privacy Policy, see our Privacy Policy page.

3. Cookie Policy

We use essential, analytics, and functionality cookies to operate and improve our platform. By using our website, you consent to our use of cookies. You may control cookie preferences through your browser settings.

4. AML / KYC Policy

Arab OFW Loans & Partners is committed to Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance. This includes:

• Identity verification procedures for all applicants
• Fraud prevention and suspicious activity reporting
• Document authentication requirements (passports, residence permits, salary certificates, etc.)
• Reporting obligations to relevant regulatory authorities where required by law

5. Fee Disclosure Schedule

Our fee structure is success-based:

• Typical range: 5% – 10% of the funded loan amount, unless otherwise agreed in writing prior to submission.
• No fees are charged upfront for application submission.
• Approval of a loan application is not guaranteed under any circumstances.
• Specific fee arrangements may vary depending on lender, jurisdiction, and loan type.

6. Electronic Records & E-Signature Consent

By submitting an application through our platform, you:

• Consent to receiving electronic communications from Arab OFW Loans & Partners
• Agree that electronic signatures applied through our platform are treated as legally binding where permitted under applicable law
• Acknowledge that electronic records of your application, documents, and agreements may be maintained in digital form

7. Complaint Handling Policy

If you have a complaint regarding our services:

• Submit your complaint in writing through the contact information provided on our website
• We will acknowledge receipt within 5 business days
• A full investigation and response will be provided within 30 business days
• If you are not satisfied with our response, you may seek independent dispute resolution

8. Document Verification & Data Sharing Consent

By submitting an application, you authorize Arab OFW Loans & Partners to:

• Verify your employment, identity, and financial information with relevant institutions
• Share your application data and documents with participating lenders and service providers
• Retain verification records for compliance and audit purposes
• Conduct background checks where required by applicable law or lender requirements

9. Waiting List & Processing Policy

• Applications may be queued on a waiting list pending lender availability
• Priority is based on application completeness, eligibility, and lender requirements
• Applicants will be notified of their application status via the contact information provided
• Placement on the waiting list does not constitute approval or commitment by any lender