Terms and Conditions of Use – Ifsahi Platform

 

 Welcome to the Ifsahi Platform.

 

    These Terms and Conditions govern your access to and use of the services provided by Ifsahi, a digital platform designed to facilitate the preparation, signing, and submission of medical disclosure forms required by insurance companies. By using this platform, you agree to be bound by the terms set forth herein. If you do not agree to these Terms and Conditions, please do not use the platform.

 

 Clause 1 – Platform Introduction

"Ifsahi" is a digital platform designed to facilitate the completion of medical disclosure forms required by insurance companies. It provides tools for data entry, signing, stamping, and downloading the forms. The platform does not offer insurance or advisory services and is not a party to the insurance relationship.

Clause 2 – Re-filling Disclosures

If the insurance company requests resubmission of disclosures due to policy date changes or other reasons, it is the user's sole responsibility. The platform disclaims any liability for delays or resulting damages.

Clause 3 – Data Modification Authorization

The platform is not authorized to modify or correct any entered data. All operations are executed based solely on the information provided by the user, without content review or validation.

Clause 4 – Hosting and Data Environment

The platform is hosted in a secure and approved environment, and all efforts are made to protect data. However, it does not guarantee absolute immunity against breaches beyond its control.

Clause 5 – Reuse of Disclosures

Disclosures filled via the platform may not be reused for any purpose or documents other than those related to medical insurance unless explicitly approved in writing by the platform.

Clause 6 – Additional Disclosures During Active Subscription

The platform may be used to submit additional disclosures during the active subscription period, such as adding a newly hired employee or a dependent during coverage. These disclosures are subject to the same terms, conditions, and responsibilities that apply to the original disclosure, including data accuracy, signature validity, and full user liability for the content and actions taken.

Clause 7 –  Independence of Individual Disclosures

The platform generates a separate disclosure for each employee and their dependents, regardless of whether data is submitted individually or in bulk (e.g., via Excel upload). No single disclosure may include more than one employee, and each disclosure is valid for one employee only. The system allows users to download each disclosure individually or select multiple disclosures for bulk download, while maintaining the legal independence of each file, with each tied to a single employee only.

Clause 8 – Disclosure Submission to External Parties

Medical disclosures filled via the platform may not be submitted to any third party other than the insurance company unless with the insured individual’s explicit consent.

Clause 9 – Data Security

The platform takes all reasonable measures to protect user data; however, it does not guarantee absolute protection against security breaches. The user acknowledges this potential risk.

Clause 10 – Incomplete Disclosures Not Accepted

Partial disclosures are not permitted through the platform. The platform disclaims any responsibility for incomplete forms uploaded by the user.

Clause 11 – Disclosure Count Limit

The number of disclosures included in each subscription plan is specified in advance. Exceeding this number constitutes unauthorized use and may result in account suspension.

Clause 12 – Disclosure Validity

Disclosures must be submitted within five (5) days of being signed. Otherwise, they may be considered outdated and subject to re-submission by the insurance company.

Clause 13 – No Resale of Platform Use

The platform may not be used for reselling or providing services to third parties without written authorization from the platform management.

Clause 14 – Disclosure Sharing with Third Parties

The platform does not send disclosure forms to any third party other than the user. The user is solely responsible for delivering them to the insurer or employees.

Clause 15 – Disclosure Does Not Guarantee Coverage

Issuing a disclosure form does not guarantee insurance coverage. It is merely a prerequisite subject to the insurance company’s independent assessment.

Clause 16 – Minor Disclosures Not Allowed

For dependents who are minors, their guardian or authorized representative bears full responsibility for disclosures and signatures. The platform assumes no liability.

Clause 17 – Disclosure Not Official Government Document

Forms issued via the platform are not certified government documents and may not be used to assert any rights outside medical insurance.

Clause 18 – Submission Does Not Bind Insurer

Submitting a medical disclosure does not bind the insurance company to accept the request. Full evaluation is subject to their underwriting policies.

Clause 19 – Disclosure Is Not an Insurance Offer

Submitting a disclosure via the platform is not an offer of insurance or a guarantee of price or service. It is only part of the case assessment process.

Clause 20 – – Reuse of Modified Disclosure

The user may not reuse or submit any disclosure generated through the platform after making any modifications outside the platform.
 Any such use shall be the sole responsibility of the user, and the platform disclaims all liability for any consequences, misunderstandings, or claims resulting from the altered disclosure.

Clause 21 – Use of Random Signature

The platform offers a “random signature” option upon the user's request, who acknowledges full legal responsibility and understands that such signature may not be legally valid unless accepted by the insurance company.

Clause 22 – Signature via SMS

The platform recommends using SMS-based signatures for insured individuals, considering it the most accurate and credible method. The platform disclaims any liability for rejections resulting from alternative signature methods.

Clause 23 – Off-Platform Signature and Approval

If the user opts to use external signing or endorsement tools, the platform disclaims any responsibility for the outcomes and does not guarantee compatibility with insurance company policies.

Clause 24 – Signature Separate from Disclosure

The signature process is treated as a separate and independent step from the disclosure itself. The platform does not interpret the signature as endorsement or acknowledgment of the content on behalf of any party.

Clause 25 – No Intervention in Signature Content

The platform is not responsible for the content, name, position, or legal status of any signature. Signatures are inserted solely based on user configuration.

Clause 26 – Signature Expiry

If an SMS signature token expires, the user is responsible for reinitiating the process. The platform disclaims any liability for delays resulting from expiration.

Clause 27 – Validity of the Electronic Signature Link

The electronic signature link is sent via SMS and remains active for a limited period. If the link expires or becomes inactive for any reason, the user is responsible for re-sending it through the platform and for following up with the employee or dependent to ensure the signature is completed in a timely manner. The platform is not obligated to automatically resend the message or notify the user when the link becomes invalid. If the user re-sends the signature link more than three times to the same recipient, they must stop, as further attempts may be counted as actual usage from their disclosure package. In such cases, the user must contact technical support or the complaints department for assistance, and the issue will be addressed within a maximum of five business days.

Clause 28 – No Recognition of Image Signatures

The platform does not recognize image-based signatures (JPG/PNG) within disclosures. They are invalid unless inserted through the system’s approved methods.

Clause 29 – No Signature-Stamp Matching Guarantee

The platform does not guarantee that signatures and stamps will align precisely within the form. The user is responsible for reviewing the final layout before submission.

Clause 30 – User's Legal Responsibility

The user bears full legal responsibility for the accuracy of the entered data and for any consequences arising from signing, stamping, or submitting the forms, whether in their name or on behalf of others.

Clause 31 – User Identity

The user affirms that they are the legal representative of the entity or an officially authorized delegate, or an authorized intermediary. The user bears sole responsibility for this claim, and the platform disclaims any liability for unauthorized use.

Clause 32 – User Data and Confidentiality

The platform commits to not using or sharing user data except as required for service provision. The user is responsible for securing their access credentials.

Clause 33 – Binding User Signature

The user's signature on the medical disclosure—whether electronic, random, or by proxy—constitutes a legally binding declaration, and the user bears full responsibility.

Clause 34 – Submission and Arrangement Responsibility

The user is responsible for organizing the forms after signing and stamping and before sending them to the insurance company. The platform does not offer review or auto-sorting services.

Clause 35 – User Diversity

The user acknowledges that the platform may be used by various parties including businesses, brokers, insurance staff, or HR departments, and each party must operate within their legal scope.

Clause 36 – Modifications and Liability

The platform fully disclaims all responsibility for any modifications made to the disclosure or signature form, whether before or after submission to the insurance company. The user bears sole responsibility for the accuracy of the data and for ensuring that the submitted disclosure matches the version issued by the platform without any changes.

Clause 37 – Stamp Responsibility and Authenticity

When using the stamp feature, the user is fully responsible for the authenticity of the stamp and its alignment with the organization’s official seal.

Clause 38 – Storage Limits and File Responsibility

The platform aims to provide users with reasonable storage capacity to upload and manage their files as needed. However, it does not guarantee any minimum or maximum limits for storage space or file size, nor does it ensure the ability to upload or download files regardless of their size or type. Users are solely responsible for keeping backups of their files and exporting them in a timely manner.
 The platform reserves the right to reject, remove, or decline to store any files at any time without prior notice and disclaims all liability for any file loss or inaccessibility for any reason.

Clause 39 – Random Signature and User Responsibility

The platform provides a "random signature" option to facilitate disclosure procedures. By using this feature, the user expressly acknowledges full responsibility for the accuracy and truthfulness of the disclosure. The platform affirms that this signature does not constitute legal authorization, and employers are not permitted to use it to sign on behalf of employees. Such use is a direct violation of applicable laws and regulations. The platform fully disclaims any responsibility for the use of the random signature or any resulting denial of coverage, legal implications, or regulatory consequences. This option is provided solely to ease procedural steps and is used entirely at the user’s discretion and conscious responsibility. The user understands that the platform does not recognize the random signature as a valid form of representation, nor does it approve or justify its use outside the proper legal context.

Clause 40 – Identity Verification

The platform reserves the right to request identity verification documents from any user if suspicious activity is detected. Refusal to comply may result in account suspension.

Clause 41 – Insurance Company Responsible for Content

The content of the disclosure form is entirely prepared by the insurance company. The platform has no relation to it, and neither the user nor the employee may contest its content through the platform.

Clause 42 – Final Liability Disclaimer

"Ifsahi" fully disclaims any legal, financial, regulatory, health, insurance, or personal liabilities arising from the use of the platform or the disclosures produced through it.

Clause 43 – Disclaimer of Liability and Data Confirmation

Executing any action on the platform (such as data entry, signing, or submitting a disclosure) constitutes the user's acknowledgment of the data’s accuracy and their full responsibility for verifying it at the time of submission.  The platform bears no liability for any claim or objection raised after the completion of the transaction. Such claims shall be considered implicitly time-barred and definitively waived.
 The user is solely responsible for reviewing and correcting their data before finalizing any action and has no right to demand amendments or compensation afterward.

Clause 44 – – Backup Responsibility

It is the user’s responsibility to download and back up disclosures immediately upon completion. The platform is not a long-term archiving service and may delete disclosures after a short period without prior notice. The platform bears no obligation to retain or recover any files, and the user shall not be entitled to any compensation or claim resulting from failure to export the disclosure in a timely manner.

Clause 45 – Username and Password Protection

The user is responsible for securing their username and password. Any access using those credentials is the user's sole responsibility, even if performed by a third party.

Clause 46 – Broker Liability Limits

If services are provided through an insurance broker, the broker assumes full responsibility for executing requests and providing support, without platform intervention.

Clause 47 – – User Responsibility for Re-signing and Updates

If the insurance company requests re-signing of a disclosure for any reason (e.g., unclear signature, outdated form, or required updates), the user is solely responsible for completing the re-signing process and reviewing the form.  The platform is not obligated to re-sign or modify any form on behalf of the user and does not act as the user’s representative in this context. A copy of the original disclosure may be retained for internal recordkeeping purposes only and is not valid for reuse or submission after a re-signing request.
 Re-signed disclosures may be counted toward the user’s disclosure balance if a new form is issued as part of the process, and this shall be treated as a valid service transaction. The user is fully responsible for providing a valid and acceptable signature in accordance with the insurance company’s requirements. The platform bears no legal or regulatory responsibility for any rejection, non-acceptance, or consequences resulting from an invalid or insufficient signature.

Clause 48 – User Responsibility for Data Changes

The user is responsible for updating any employee or dependent data if there are changes in marital, medical, or other statuses. The platform disclaims liability for outdated disclosures.

Clause 49 – Technical Support Liability Limits

Technical support is responsible solely for platform functionality and cannot be held accountable for disclosure outcomes or insurer acceptance.

Clause 50 – No Integration with Insurance Systems

The platform does not integrate or communicate directly with insurance company systems. Any form submission outside the platform is solely the user's responsibility.

Clause 51 – No Commitment for Insurer Delays

The platform disclaims all liability for delays by the insurance company in reviewing or approving disclosures. The user must follow up directly.

Clause 52 – Content Disclaimer

"Ifsahi" fully disclaims any responsibility for errors or omissions in the disclosure data. The platform does not input any data unless it is done directly by the user or their authorized representative.

Clause 53 – No Platform Commitment to Outcomes

The platform does not guarantee acceptance of forms by the insurance company and is not responsible for any delays, rejections, or financial or legal outcomes resulting from use of the platform.

Clause 54 – Platform Liability Limits

The platform is not liable for any claims or compensations resulting from the use of disclosure forms, whether by employees, insurance companies, or government or judicial authorities.

Clause 55 – Technical Warranty Limits

The platform makes no express or implied warranties regarding performance or full compatibility with all user systems or insurance company systems.

Clause 56 – Illegal Content

Uploading any content that violates local laws or contains false or misleading information is strictly prohibited. Authorities will be notified in the event of suspected violations.

Clause 57 – Communication Failure Disclaimer

The platform is not responsible for SMS delivery failures, delays, or signature issues caused by the service provider, network outages, or number changes.

Clause 58 – Ownership of Forms and Insurance Content

The platform acknowledges that the insurance forms uploaded by users are the intellectual property of the respective insurance companies. Their use through the platform does not constitute exploitation or infringement but is strictly for the purpose of facilitating data entry, based on the user’s authorization, who is assumed to be duly authorized by the insurance company. The act of providing the form to the platform constitutes an express authorization for its use for administrative processing only, without transferring, licensing, or granting any rights to the platform. The platform fully disclaims any liability for claims related to unauthorized use of forms, and the user shall remain fully liable as the party authorized by the insurance company.

Clause 59 – Form Ownership

All medical disclosure forms used through the platform are the property of the respective insurance companies. The platform does not claim ownership nor does it modify any of the forms.

Clause 60 – – Validity of Forms

Upon registration, users are required to upload the approved form issued by their insurance company. The platform generates a fillable version based on a previously available template, without any obligation to update or ensure its current validity. The user is solely responsible for verifying that the form used through the platform fully matches the approved version from the insurance company. If any discrepancies are identified, the user must refrain from using the form, notify the platform, and provide the updated version before further use. The platform’s use of any form does not constitute a violation of any rights of the insurance company, as the platform’s role is limited to preparing the form for data entry. Since the user provides the form, such use is deemed authorized by the user, based on their delegated authority from the insurance company. Accordingly, the platform disclaims all responsibility for any damages, rejections, or legal or financial consequences arising from the use of a non-compliant or unauthorized form, and the user bears full liability in such cases.

Clause 61 – No Editing of Form Content

The platform shall not edit, delete, or draft any part of the insurance form under any circumstances. Its role is strictly limited to populating the form based on user input.

Clause 62 – Intellectual Property Protection

All platform-related elements including software, interfaces, designs, and logos are protected by intellectual property rights and may not be used, copied, or reproduced without prior written consent.

Clause 63 – Legal Ownership of Data

Disclosure data remains the sole property of the entity that submitted it. The platform does not claim ownership and may not use such data outside the scope of service.

Clause 64 – Platform Form Authorization

A disclosure filled through Ifsahi does not automatically imply acceptance by the insurance company. Acceptance is subject to the company’s policies.

Clause 65 – Form Tamper Protection

Disclosures are exported in a protected, non-editable format. Any external tampering is considered legal forgery.

Clause 66 – Off-Hour Support

Technical support is available during official business hours. Requests submitted outside those hours are addressed based on ticket priority without guaranteed response times.

Clause 67 – Free Support Limits

Free technical support covers only general errors or system bugs. It does not include consulting, custom usage, or personalized configuration.

Clause 68 – Policy Updates

The platform reserves the right to update or modify these terms at any time. Continued use of the platform constitutes implicit acceptance of any subsequent changes.

Clause 69 – Implicit Acceptance of Insurer Policies

Using the platform constitutes implicit acceptance of the terms set by the insurance company that issued the forms. Users must review those terms before submission.

Clause 70 – Periodic Terms Updates

Terms of use may be updated periodically without notice. Continued use of the platform constitutes implicit acceptance of the latest version.

Clause 71 – Compliance with Regulations

The user must comply with all applicable local regulations governing insurance and the use of the platform. The platform does not provide any legal or regulatory guarantees.

Clause 72 – Platform Commitment Limits

The platform’s obligations are limited to providing the service “as-is.” The platform assumes no additional express or implied obligations regarding the outcomes of using the disclosures.

Clause 73 – No Platform Contractual Liability

The platform is not a party to any insurance or health coverage contract and holds no contractual or financial obligations toward any parties in the insurance relationship.

Clause 74 – No Transfer of Platform Obligations

No feature or service shall be construed as a contractual or financial obligation from the platform to the user. All services are provided “as-is.”

Clause 75 – Legal Understanding Acknowledgment

The user acknowledges understanding that using the platform does not exempt them from responsibilities before official or insurance entities and that they use the platform at their own legal risk.

Clause 76 – Legal Escalation

In case of a legal dispute, parties must attempt amicable resolution for at least thirty (30) days before proceeding to litigation in the competent Saudi court.

Clause 77 – Legal Notifications via Email

The email linked to the user's account is considered the official channel for legal notices. Any message sent there is deemed legally delivered.

Clause 78 – Platform Technical Role

The platform provides technical services only. It does not prepare, review, or interpret medical disclosures. The user is solely responsible for the accuracy and validity of the submitted data. The platform does not interfere with or interpret the content of the forms.

Clause 79 – File Upload and Quality

The user is responsible for ensuring that uploaded files meet quality requirements in terms of signatures, stamps, and accuracy. The platform is not liable for file rejections due to size, quality, or format by the insurance company.

Clause 80 – No Interference in Insurance Relationship

The platform does not intervene in any contractual relationship between the user and the insurance company. It does not represent any party, and its role is strictly limited to facilitating technical disclosure-related processes.

Clause 81 – Use of Excel Data

The user may upload disclosure data via Excel files according to the platform's prescribed template. The platform disclaims responsibility for any errors or formatting issues in the uploaded data.

Clause 82 – Manual Data Entry

The platform provides a manual data entry interface for use by the user or their delegate. All data entered through this method is the user's sole legal responsibility.

Clause 83 – Electronic Stamp Services

The platform allows the user to apply the organization’s stamp to disclosure forms based on an uploaded image. The platform assumes no legal or technical responsibility for the use of such stamps.

Clause 84 – Saving Stamps in the System

If the user chooses to store their stamp within the system for future use, they bear full responsibility for this action. The platform disclaims all liability for any misuse or security breach.

Clause 85 – Using Others' Signatures

If a user signs on behalf of another individual, they assume full legal responsibility for the consequences. The platform is not liable for such signatures.

Clause 86 – Signing on Behalf of Employee

If a user signs a form on behalf of an employee without obtaining explicit consent, they acknowledge their regulatory violation and accept all associated risks and liabilities.

Clause 87 – Insurance Company Acceptance of Form

The platform does not guarantee the acceptance of forms by insurance companies, whether signed manually, electronically, or through random signature. The user is solely responsible for liaising directly with the relevant insurer.

Clause 88 – File Storage and Organization

The platform provides a means to save completed and stamped disclosures electronically but does not guarantee permanent archiving. The user must download and securely store the files upon completion.

Clause 89 – Platform Use as Consent

By accessing and using the platform, the user expressly agrees to all terms and conditions, without the need for a separate written or signed agreement.

Clause 90 – Legitimate Use of Platform

The platform must not be used for any unlawful, misleading, or abusive purposes. The platform reserves the right to immediately suspend any account found in violation.

Clause 91 – Uploading False or Forged Documents

Uploading falsified, altered, or incorrect documents through the platform is strictly prohibited. The user bears full legal and criminal responsibility for any such actions.

Clause 92 – Non-Binding Platform Role

The platform is not a binding party in any legal matter related to the disclosures and bears no responsibility toward any third party.

Clause 93 – Platform Access Rights

The user is granted access to the platform and has full privileges related to their account, similar to all other users. The user bears full responsibility for all actions performed through their account, whether personally or by someone authorized to use it.

Clause 94 – Account Misuse and Unauthorized Access Attempts

Any unauthorized use of a user's account, including access attempts by unpermitted parties, is strictly prohibited. If account misuse or unauthorized access is confirmed, the platform administration reserves the right to take appropriate actions, including suspending or permanently disabling the account, without prejudice to its right to pursue legal measures.

Clause 95 – Accuracy of Entered Information

The user is solely responsible for verifying the accuracy and correctness of all data entered on the platform. Any error in the data may result in rejection by insurance companies, with no liability on the platform.

Clause 96 – Platform Use Authorization

The platform is intended exclusively for authorized users for the purpose of medical disclosure. It must not be used for any other purposes, and any misuse may result in account termination.

Clause 97 – Acceptance of Modifications

The user implicitly agrees to any future amendments to the terms of use by continuing to use the platform after such changes are published.

Clause 98 – Platform Technical Support

The platform offers technical support channels for handling technical issues only. Legal, insurance, or administrative support is not provided. Users should consult appropriate professionals for such matters.

Clause 99 – Compliance with Insurer Instructions

It is the user's responsibility to ensure that submitted disclosures comply with all requirements of the chosen insurance company. The platform does not guarantee compliance or acceptance.

Clause 100 – Storage Duration Limitations

The platform makes reasonable efforts to retain files and disclosures for up to thirty (30) days from the date of availability; however, this does not constitute a commitment or guarantee under any circumstances. The platform is not obligated to store files for any specific duration, and users are fully responsible for downloading their files promptly. The platform bears no responsibility for the deletion, loss, or inaccessibility of files, and users shall have no right to claim any compensation or hold the platform liable for any direct or

Clause 101 – Waiving Paper Copies

The electronic forms issued by the platform may be considered legally equivalent to paper forms if accepted by the insurance company. The platform bears no responsibility for their acceptance or rejection.

Clause 102 – Usage Reports

The platform offers usage reports to help users track disclosure stages. These reports are not legally binding nor certified by any external authority.

Clause 103 – Account Use by Establishment Employees

The use of the establishment’s account on the platform by any employee is considered an implicit authorization by the account owner, whether through direct instruction or by providing login credentials. Such use constitutes acknowledgment that the account owner bears full responsibility for all actions performed through the account, regardless of who carried them out.

Clause 104 – Use of Fake or Unofficial Names

Entering fictitious or unofficial names in disclosures is prohibited and constitutes fraud, subjecting the user to full legal accountability.

Clause 105 – Service Interruptions or Failures

The platform does not guarantee uninterrupted service and may experience technical issues beyond its control. It is not liable for any resulting damages.

Clause 106 – – Broker or Agent Relationship

If the platform is used by an insurance broker or agent, they expressly declare that they are authorized by the business owner to use the platform and act on their behalf. They assume full responsibility for the accuracy and validity of all entered data and any actions taken through the account. The broker or agent also acknowledges that they have no right to make any claims against the platform or the business owner for any errors, omissions, or consequences arising from their use of the platform.

Clause 107 – Platform Role Boundaries

Such use by a broker or agent shall be deemed an implicit authorization by the business owner, who shall bear full responsibility for all actions performed by the broker or agent, and the platform shall bear no obligation or liability in this regard.

Clause 108 – Scalability

The platform reserves the right to develop, modify, or expand its technical services without prior notice, and such changes do not constitute any obligation to current users.

Clause 109 – Customer Support Limits

Customer support is limited to technical issues related to the use of the platform and does not include insurance, medical, or legal inquiries.

Clause 110 – Service Refusal

The platform reserves the right to deny service to any user who violates its policies or engages in unlawful or abusive behavior, without obligation to provide justification.

Clause 111 – Account Sharing Prohibited

Account login credentials may not be shared between multiple users. Such action constitutes a direct violation and may result in service suspension.

Clause 112 – Subscription Term and Access Rights

Platform access is granted based on the user’s selected subscription package (either time-based or limited by disclosure count). Account access remains available even after the subscription expires, but users will not be able to generate new disclosures or use package-related services unless a new subscription is purchased. The platform is not obligated to provide any services beyond the limits of the active subscription, and continued access after expiration is limited to account viewing and management only.

Clause 113 – Hacking or Tampering Attempts

Any attempt to hack the system, manipulate data, or generate signatures or stamps through unauthorized means is strictly prohibited and constitutes a cybercrime.

Clause 114 – Implicit Use Acknowledgment

Any use of the platform, even a single instance, constitutes implicit acknowledgment of reading, understanding, and fully accepting these terms.

Clause 115 – Reporting Violations

Users may report any misuse or security threats via the official channels. The platform commits to responding to such reports but assumes no legal obligation to act.

Clause 116 – SMS Usage Conditions

When using the platform to send SMS messages to insured individuals for signing disclosures, the user confirms prior consent from the recipient and assumes full responsibility.

Clause 117 – Subscription Plans

The platform provides its services through defined subscription plans. Disclosure counts are calculated based on actual usage or prior agreement, and no refunds are issued once activated.

Clause 118 – Misuse and Abuse

Any unauthorized or improper use of the platform entitles the platform to take technical and legal action without prior notice.

Clause 119 – No Medical Advice

The platform does not provide any medical consultations or assessments under any circumstances. The user is solely responsible for reviewing and ensuring the accuracy of all medical data.

Clause 120 – Downloading Final Documents

Users must download the final signed and stamped disclosure documents after completion. The platform disclaims any responsibility for loss or corruption thereafter.

Clause 121 – Automatic Date Stamping

When using the automatic date stamping feature, the user accepts responsibility for the chosen date, and the platform disclaims any resulting legal consequences.

Clause 122 – Company Representative Signature

When a disclosure is signed by the company representative or authorized delegate, it constitutes legal acknowledgment of full responsibility for the content on behalf of the employee.

Clause 123 – No Liability for Claims

The platform disclaims all responsibility regarding insurance claims or coverage decisions, as it does not participate in evaluation, recommendation, or approval processes.

Clause 124 – No Direct Communication with Insured

The platform does not engage in direct communication with insured employees or dependents, except for signature SMS messages. It is the employer's responsibility to inform and clarify the service in advance.

Clause 125 – API Integration Use

If the user integrates the platform with their internal system via API, they assume full responsibility for secure integration and the quality of the exchanged data.

Clause 126 – Inappropriate Behavior

The platform may not be used in any way that involves threats, abuse, defamation, or incitement against any party. The platform reserves the right to suspend the account immediately.

Clause 127 – Original Document Supremacy

The platform acknowledges that the original form issued by the insurance company is the legal reference, and the filled form through the platform is not a substitute.

Clause 128 – Multiple Signatures on One Form

If multiple signatures are inserted into a single form, the user is responsible for their arrangement and assignment. The platform disclaims responsibility for signature conflicts or duplications.

Clause 129 – Institutional Discounts

The platform may offer special discounts to organizations or brokers under bilateral agreements. These discounts are not mandatory for all users.

Clause 130 – Official Language

The Arabic version shall be the official legal reference for interpreting the terms of use. The Clause  version is provided for illustrative purposes only.

Clause 131 – Contractual Authority

The user confirms they are legally authorized to enter agreements and represent the entity on whose behalf they use the platform. They assume full responsibility for this declaration.

Clause 132 – Employee Data Privacy

The user is fully responsible for obtaining explicit consent from employees or dependents before submitting their data to the platform. The platform disclaims all related responsibility.

Clause 133 – Explicit User Declarations

Any action on the platform (signing, stamping, data entry, sending, exporting...) constitutes an explicit declaration by the user of their full legal and practical responsibility for that action.

Clause 134 – No Government Compatibility Guarantee

The platform does not guarantee that disclosures comply with the requirements of any governmental entity (such as GOSI or Passport Authority). The user must verify such compliance.

Clause 135 – No Health Certificates Issued

The platform does not issue health certificates or medical reports. Disclosures produced via the platform are not official documents unless accepted by the concerned insurance company.

Clause 136 – File Formatting Before Upload

The user is responsible for organizing and formatting files correctly before uploading them to insurance companies. The platform disclaims any liability for rejections due to poor organization.

Clause 137 – Use Within Saudi Arabia

The platform services are offered in the Kingdom of Saudi Arabia. Any use from outside the Kingdom is subject to special review by the platform management and is not considered an acquired right.

Clause 138 – Activity Log Storage

The platform maintains records of user activities (including signatures, stamps, data entries...) for security and administrative purposes, and the user acknowledges this. These records are internal to the platform and may not be accessed or requested by the user. They do not serve as legal evidence in favor of or against the user unless determined otherwise by the platform or legally competent authorities.

Clause 139 – Technical Service Scope

The services provided by the platform are entirely technical. No medical, insurance, or regulatory advice is included, and such requests are prohibited through technical support.

Clause 140 – Export Conditions

Upon completing the disclosure, the user may export the file in pdf format. The platform bears no responsibility for modifications made outside its system.

Clause 141 – Fully Digital Environment

The platform operates entirely in a digital environment and does not provide in-person services. The platform is not responsible for any user expectations of physical or field service.

Clause 142 – No Form Customization

The platform does not allow users to modify or customize insurance forms unless such versions are provided by the insurance company. Any external modifications are solely the user's responsibility.

Clause 143 – Translation Precedence

In the event of a discrepancy between the Arabic and Clause  texts, the Arabic version shall prevail and serve as the legally binding reference.

Clause 144 – Uploading Company Forms

The user acknowledges that uploaded insurance forms originate from the respective insurance companies and are not subject to editing or review by the platform.

Clause 145 – Expiry Notifications

The platform may send automated alerts when a subscription or package is nearing expiration. These alerts are procedural only and do not constitute a renewal obligation.

Clause 146 – Subscription via Brokers

If the platform is accessed via an insurance broker, the contractual relationship exists between the user and the broker. The platform disclaims all financial and regulatory obligations between them.

Clause 147 – Trial Use of Platform

If the service is offered on a trial or free basis, the user acknowledges full responsibility for its use and accepts that no guarantees are provided by the platform.

Clause 148 – Visual Identity Misuse Prohibited

Users are prohibited from using the name “Ifsahi,” its logo, design, or any visual component in any advertisement or publication without written permission.

Clause 149 – Force Majeure Cases

The platform is not liable for service delays or interruptions caused by force majeure events, such as disasters, wars, or major system failures beyond its control.

Clause 150 – Upload Technical Standards

The platform defines technical standards for file uploads. Users must comply with specifications regarding format, size, and clarity, or the file may be rejected.

Clause 151 – Account Sale Prohibited

Users may not sell or transfer account ownership or allow third parties outside the organization to use it. Such actions constitute a violation warranting immediate closure.

Clause 152 – Security Vulnerability Reporting

Users are encouraged to report any discovered security vulnerabilities. The platform will address them confidentially but is not obligated to offer rewards or compensation.

Clause 153 – Subscription Activation Rules

Package activation is calculated from the actual activation date within the system, not the payment date, and this is binding on the user.

Clause 154 – Auto Account Termination

The platform may automatically terminate inactive accounts after a period exceeding 180 days unless an active subscription exists, and no prior notice is required.

Clause 155 – Account Cancellation Upon Request

Users may request account cancellation at any time, which will be processed within thirty (30) business days. No refunds will be provided for subscriptions or services already used.

Clause 156 – Company Data Updates

Users must update their organization’s data (name, registration number, address, etc.) upon any change. The platform disclaims responsibility for any consequences of outdated information.

Clause 157 – Refund Policy

Users are not entitled to any refund for services that have been used or activated, even if they were not utilized in practice.

Clause 158 – No Political or Illegal Use

The platform must not be used for political, unlawful, or unethical purposes. The platform reserves the right to suspend access without notice.

Clause 159 – Email Linking Requirement

Users must link a valid and official email to their account. All communications sent to this email are legally binding.

Clause 160 – No Platform Representation

Users may not claim or imply representation of the Ifsahi platform or speak on its behalf to any official or unofficial entity.

Clause 161 – Technical Infrastructure Ownership

The system and all technical components are the property of the Ifsahi platform. No implied or explicit license is granted for usage outside permitted scope.

Clause 162 – Foreign Entity Use Requires Approval

Prior written approval is required for use of the platform by non-Saudi entities or organizations not registered within the Kingdom.

Clause 163 – Plan Modification or Cancellation

The platform reserves the right to modify or cancel any plan or service, with prior notice to the user if the subscription is still active.

Clause 164 – Emergency Protocols

In case of a technical or security threat, the platform may suspend the account temporarily for protection without prior notice or user consent.

Clause 165 – Contract Duration

The agreement between the user and the platform remains valid for the duration of the active subscription and renews automatically unless canceled at least thirty (30) days prior to expiry.

Clause 166 – Saudi Law Compliance

The platform’s terms and conditions are governed entirely by the laws of the Kingdom of Saudi Arabia. Any interpretation or dispute shall be referred to the competent Saudi judicial authorities.

Clause 167 – VAT Collection

Value-added tax (VAT) is calculated in accordance with applicable regulations, and the user agrees to pay it as part of any invoice or transaction with the platform.

Clause 168 – Forced Cancellation Scenarios

The platform reserves the right to permanently cancel the account or service if regulations are violated or the platform is used for unlawful purposes, without prior notice.

Clause 169 – No Platform Warranties

The platform makes no express or implied warranties regarding performance, acceptance, continuity, or outcomes. Use of the platform is at the user’s sole risk.

Clause 170 – Confidentiality of Platform Information

The user agrees not to share any technical or operational information related to the platform with any external party. Any violation shall be considered a breach of confidentiality.

Clause 171 – Technical Consultation Boundaries

All communication with the platform’s technical support is limited to technical issues and must not be interpreted as legal, insurance, or medical advice.

Clause 172 – Logging of Stamping Activity and Platform’s Role

The system automatically records e-stamping data, including timestamp and user identity, for technical logging purposes only.
 The platform’s role is limited to facilitating a seamless and efficient user experience by enabling the completion of insurance forms digitally, without the need for handwriting, printing, scanning, or dealing with low-quality documents or typographical errors.
 The platform does not verify, validate, or assume any responsibility for the authenticity, legal validity, or acceptance of the stamp by any third party, including the insurance company.

Clause 173 – Cases Without Verification

Verification may fail if the employee refuses to sign, provides an incorrect phone number, or if the token expires. Resolution of such cases is the user’s responsibility.

Clause 174 – Site Identity Definition

The platform collects IP and geolocation data strictly for security purposes. Such data is not used for commercial, advertising, or analytical reasons.

Clause 175 – Family Data Usage

The user is responsible for obtaining consent from dependents (spouse/children) prior to submitting their data within the disclosure form.

Clause 176 – Trial Version Use

Trial versions are considered under development and may contain temporary issues. The user acknowledges this, and the platform disclaims any consequences.

Clause 177 – Manual Signature Authentication

Manual signature verification is not available within the platform. If needed, the user is responsible for conducting verification outside the system.

Clause 178 – No Direct Training

The platform does not offer training sessions—either in-person or virtual—unless under separate paid agreements. These are not included in standard subscriptions.

Clause 179 – No Direct Print Support

The platform does not support direct printing. Users must download files and print them using their own equipment.

Clause 180 – No Alternative Forms

The platform does not provide alternative disclosure forms if the insurer rejects the one used. The user must obtain an approved form directly from the insurance company.

Clause 181 – Handling Disclosure Rejections by the Insurance Company

If an insurance company rejects a disclosure completed through the platform, the user is solely responsible for contacting the company, identifying the reason for rejection, and submitting a revised disclosure that complies with the insurer’s requirements.
 The platform bears no responsibility for the content of the rejected disclosure or any consequences arising from the rejection, and it does not engage in interpreting, amending, or negotiating with the insurance company on behalf of the user. Any revised disclosure prepared following a rejection shall be treated as a new transaction and may be deducted from the user’s available disclosure quota.

Clause 182 – Individual vs. Institutional Use

When the platform is used by an individual for self or family disclosure, all terms applicable to organizational users remain binding without exception.

Clause 183 – One-Time Use Only

Each filled disclosure counts as a single usage against the package, even if not exported or signed. It is billed accordingly.

Clause 184 – Final Copy Verification

The user must verify the final exported documents for completeness and accuracy before submission. The platform disclaims any responsibility for deficiencies.

Clause 185 – Final Approval by Insurer Only

A form completed via the platform is considered a “disclosure proposal” and becomes official only upon acceptance by the relevant insurance company.

Clause 186 – Technical Processing Time

Some technical processes (e.g., batch stamping or export) may require internal processing time. The platform is not liable for delays due to high usage.

Clause 187 – Service Scope Limitation

The platform is strictly for medical disclosures related to health insurance. It must not be used for legal or administrative disclosures of any kind.

Clause 188 – Data Use for Specific Purposes

Disclosure data must not be used for marketing, statistical, or analytical purposes without explicit consent from all involved parties.

Clause 189 – HR Coordination Required

When used by an HR department, it is their responsibility to inform employees of the disclosure process and collect internal approvals.

Clause 190 – Platform Does Not Store Health Records

The platform is not a medical archive and does not store official medical records. It only transmits data as entered by the user.

Clause 191 – No Guarantee of Coverage Eligibility

The platform does not guarantee or imply that disclosure will result in insurance coverage and assumes no responsibility if rejected.

Clause 192 – Reports for Personal Use Only

Reports generated within the system are for internal or personal use only and must not be submitted as official documents to third parties.

Clause 193 – No Direct Link to Government Systems

The platform is not directly integrated with any government agency or official system such as GOSI or Passports. Disclosures are not sent automatically to such entities.

Clause 194 – Using Platform Doesn’t Replace Insurer Review

After completing the disclosure, the user must follow up with the insurance company to confirm acceptance and processing. The platform does not replace this step.

Clause 195 – Final Acknowledgment

The user declares they have read and fully understood all the above terms, and that any use of the platform constitutes full and unconditional acceptance thereof.