These terms and conditions apply to your use of Ananas AlKhadra website
These Terms and Conditions govern the relationship between Ananas AlKhadra company and its clients by establishing a clear framework to ensure compliance with the applicable laws and regulations within the Kingdom of Saudi Arabia. The policy aims to protect the platform's reputation, enhance customer trust, mitigate operational and legal risks, and ensure compliance with regulatory and supervisory authority requirements.
Note : By accessing the electronic platform, explicitly accepting the acknowledgment prompt before completing the payment process, and benefiting from any of its services, the client acknowledges that they have read, understood, and agreed to these Terms and Conditions and are legally bound by them.- Definitions
Unless the context indicates otherwise, the following definitions shall apply throughout these Terms and Conditions
- Company : Ananas AlKhadra, the entity that owns, operates, and manages the electronic platform.
- Electronic Platform : The Company's website (https://ananas.sa) dedicated to providing electronic insurance brokerage services.
- Client : Any natural or legal person using the electronic platform to request, purchase, or manage insurance services.
- Insurance Companies : Insurance companies licensed by the relevant regulatory authorities within the Kingdom of Saudi Arabia and contracted with the Company to provide insurance services to the client.
- Electronic Insurance Brokerage : The activity performed by the Company in mediating between the client and insurance companies through electronic means to market or sell insurance policies, without directly engaging in insurance operations.
- Insurance Policy : The digitally authenticated contract issued by the insurance company, which specifies the scope of coverage, terms, conditions, and applicable exclusions.
- Technical Errors : Any malfunction, failure, or interruption in the electronic platform or associated communication systems that affects service delivery or transaction execution.
- Applicable Regulations : All laws, regulations, instructions, rules, and policies issued by the regulatory authorities in the Kingdom of Saudi Arabia, including the Saudi Central Bank and the Insurance Authority, that govern the operations of the Company and the insurance companies.
- Force Majeure : Any circumstance or event beyond the Company’s control that prevents it from fulfilling its obligations, including natural disasters, wars, emergency technical failures, and unforeseen events.
- Scope of Services
The Company operates as a licensed electronic insurance broker through its platform, authorized by the Insurance Authority. Services include
- Displaying insurance products and enabling clients to compare prices and coverage.
- Facilitating the purchase of insurance policies from insurance companies.
- Providing post-sale services, including support, inquiries, and complaint handling.
- Company Obligations
- Licensing and Compliance:The Company commits to practicing electronic insurance brokerage only after obtaining the official license issued by the Insurance Authority under License No. و ت أ/ش/6/202507, dated 20/07/2025, and in accordance with all applicable laws and regulations in the Kingdom of Saudi Arabia.
- Disclosure and Transparency:The Company shall provide accurate, clear, and comprehensive information about insurance products on the platform, allowing clients to make informed decisions.
- Data Protection:The Company is committed to maintaining the confidentiality of client data and will not disclose such data to any third party except as required by applicable regulations or to fulfill its role as an electronic insurance broker.
- Cybersecurity and Business Continuity:The Company shall implement the necessary security measures to protect the platform and client data and shall maintain contingency plans to ensure business continuity in case of system failures.
- Communication and After-Sales Services: The Company shall enable clients to communicate through multiple channels and will receive and address inquiries and complaints within a reasonable timeframe. A dedicated department for after-sales services shall be maintained.
- Company Rights
- To amend these Terms and Conditions in accordance with applicable laws and publish such amendments on the electronic platform.
- To suspend or terminate a client's account if false information is provided or if the platform is used for unlawful purposes.
- To reject or suspend any transaction suspected of being unlawful, including fraud, money laundering, or any activity in violation of regulations.
- All intellectual property rights related to the electronic platform—including but not limited to designs, logos, source code, databases, textual and visual content, user interfaces, and any technical elements used or displayed on the platform—are the exclusive property of Ananas AlKhadra company. The Company reserves the full right to take appropriate legal actions to protect its platform from any infringement or unauthorized use.
- To take all necessary measures to ensure compliance with applicable laws, including cooperation with the relevant regulatory authorities when required.
- The right to display the account holder’s name post login for the purposes of transaction transparency and beneficiary data verification.
- Client Obligations
- Maintain the confidentiality of login credentials and not share them with any other person.
- Provide accurate, complete, and up-to-date information and bear full responsibility for any incorrect or misleading data.
- Review the insurance policy details and ensure its suitability before purchase.
- Refrain from using the platform for any unlawful purpose or in violation of applicable regulations.
- Cooperate with the Company when required to provide additional information for data verification or regulatory compliance.
- Client Rights
- Assurance of data confidentiality and protection against unauthorized access or use.
- Clear and transparent access to information about insurance products.
- Receipt of a complete copy of the insurance policy electronically or in printed form upon request.
- Ability to contact the Company through multiple approved channels.
- Legal Liability
- The Company shall not be held liable for any direct or indirect losses resulting from the client’s dealings with the insurance company, including terms, pricing, coverage, or decisions made by the insurer.
- The Company shall not be liable for damages resulting from technical failures, system errors, interruptions, or events beyond its control, including force majeure, except as otherwise required by Saudi law.
- The client bears full responsibility for the accuracy and correctness of the data provided through the platform, and any error that results in policy rejection or cancellation.
- Governing Law and Jurisdiction
- These Terms and Conditions shall be governed by the laws and regulations in force within the Kingdom of Saudi Arabia. Any disputes shall fall under the jurisdiction of the committees responsible for the resolution of insurance-related violations and disputes, in accordance with applicable laws.