Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Sky Cashback application ("App"), operated by Sama Investment Company, a company registered under the laws of the Syrian Arab Republic, headquartered in Damascus – Customs Square – Free Zone – Sky Building – Ground Floor ("Company", "we", "us").

The Company is licensed to carry on electronic marketing activity under trading licence number 0311010423, and operates within the scope of that licence and the laws regulating it.

The vouchers offered through the App are one of the digital marketing tools the Company provides under that licensed activity, and are regulated accordingly.

The App is accredited by the National Authority for Information Technology Services (NAITS).

By creating an account or using the App, you agree to be bound by these Terms. If you do not agree, you must not use the App.

• User: Any person who registers in the App to benefit from offers and cashback, and redeems vouchers purchased through the App to make purchases from partner merchants.
• Partner Merchant: The store or business that offers its products or services through the App and has agreed with the Company to give cashback to users on their purchases.
• Voucher: A prepaid entitlement sold by the Company through the App, representing the price of goods or services paid in advance, which the user redeems to pay for purchases from partner merchants.
• Voucher Purchase: The process by which the user purchases one or more vouchers within the App through one of the payment methods available in the App.
• Redemption: The use of a voucher, in whole or in part, to pay for goods or services from a partner merchant.
• Vouchers Value: The total value of the vouchers the user holds in the App and has not yet redeemed.
• Cashback: A percentage of the purchase value added to the user's cashback value within the App after completing a purchase from an approved merchant/store. Cashback is granted in the form of vouchers, and is redeemed in the same way as purchased vouchers.
• Cashback Value: The total accumulated cashback the user holds in the App and has not yet used.
• Purchase Transaction: A transaction in which goods/services are delivered to the user and an invoice is issued by a partner merchant.
• Returns: A transaction in which returned goods/services are delivered from the customer to the merchant, where the merchant issues a return invoice.
• Split Payment: A purchase financed by a Financing Bank on a Murabaha basis, in which the Bank purchases the goods or services from the Company and resells them to the user against payment in instalments.
• Financing Bank: The bank or licensed financial institution that studies the user's financing application, purchases the goods from the Company, and resells them to the user on a Murabaha basis.
• Murabaha: A sale in which the resale price is disclosed as the cost plus an agreed, fixed profit margin. It is not an interest-bearing loan, and no interest is charged on Split Payment purchases.
• Financing Application: The application the user submits through the App, together with the supporting information and documents, in order to request Split Payment.
• Financing Invoice: The invoice issued by the partner merchant for a Split Payment purchase, including a description of the goods and photographs of them, which the Company delivers to the Financing Bank.
• Referral Code: A unique code issued to the user through the App to invite others to register.

To use the App, the user must be at least 18 years of age.

• You must register an account by providing your full name and mobile number, and verifying your identity via an SMS one-time password (OTP). You also choose a password to protect your account.
• Additional profile information (such as email address, address, or gender) is optional and may be added later from your profile settings.
• You are responsible for maintaining the confidentiality of your account credentials.
• Sharing your account with any other person, or allowing others to access it, is your sole personal responsibility.
• You are solely responsible for all activities carried out through your account.

• Users can purchase vouchers in Syrian Pounds through the payment methods available in the App, which are:
  • Paymera (card payment through the approved payment platform).
  • MTN Cash.
  • Syriatel Cash.
  • Sham Cash.
  • Prepaid cards issued at approved points of charge, redeemed within the App.
• Users may purchase more than one voucher, in different denominations and quantities, within a single payment operation.
• Availability of any payment method depends on the provider concerned and may change without prior notice.
• Vouchers are sold by the Company and may be redeemed only within the App to pay for goods or services from partner merchants.
• A voucher is not a deposit, a bank account, a stored-value account, or a money-transfer service. Purchasing a voucher is a purchase of goods or services paid for in advance. Vouchers are not exchangeable for cash and their value is not refundable in cash; it can only be redeemed within the App to pay partner merchants.
• A voucher represents the price of goods or services paid in advance. The value of the goods or service is deducted from your vouchers value upon receipt, and cashback is granted on each qualifying purchase transaction. Your acceptance of these Terms is deemed a commercial contract between you and Sky Cashback, represented by its owner, Sama Investment Company.

• Users can redeem their vouchers to purchase goods or services from partner merchants listed in the App.
• Upon completing a purchase, the partner merchant/store generates a sales invoice through the dedicated merchant app.
• The value of the purchase is deducted from your vouchers value, and the applicable cashback percentage is added to your cashback value.
• Cashback is granted in the form of vouchers. It is not cash, is not exchangeable for cash, and is not refundable in cash; it can only be redeemed within the App to pay partner merchants.
• Cashback rates vary by partner merchant and may be modified at any time without prior notice.
• Vouchers are redeemed in the order they were purchased, oldest first. You can review which purchases consumed each voucher from the voucher usage history in the App.
• The user may redeem their vouchers value to make purchases and receive cashback, and may use their accumulated cashback value to make purchases without receiving additional cashback.

• Returns concern the return of goods/services to the partner merchant. In case of purchase cancellation or product return to the merchant, the transaction is processed as a return.
• Returns are processed in accordance with the return policy of the partner merchant/store that executed the purchase, and the return grace period depends on that policy.
• Upon a return, the value of the returned goods or services is credited back to your vouchers value in the App.
• The Company reserves the right to deduct any cashback that was added as a result of the returned transaction.

Transfers between users are subject to the following conditions:

• Vouchers can only be transferred to vouchers.
• Cashback can only be transferred to cashback.
• You may send a transfer to another user by scanning the QR code displayed in the recipient's App, or receive a transfer by displaying your own QR code to the sender.
• You may purchase one or more vouchers as a gift for another registered user. Gift vouchers may be funded through the same payment methods listed in Clause 5, subject to the same availability.
• You may not send a gift or a transfer to your own account.
• You are solely responsible for verifying the identity of the recipient before confirming any transfer or gift. Completed transfers and gifts cannot be reversed by the Company.

• The App allows you to purchase mobile credit for MTN and Syriatel lines, and to pay postpaid mobile bills, using your vouchers value in the App.
• These services are available for accounts denominated in Syrian Pounds only.
• You are solely responsible for entering the correct mobile number. Recharge and bill payment operations are executed immediately through the telecom operator and cannot be reversed or refunded by the Company once submitted.
• Recharge and bill payment operations do not earn cashback unless expressly stated in the App.
• Available amounts, service types, and minimum and maximum limits are determined by the telecom operator and may change without prior notice.

• Split Payment lets you purchase goods or services from a partner merchant and pay for them in instalments, where the purchase is financed by a Financing Bank. It is available for purchases at or above the minimum amount shown in the App, and every application is subject to the Bank's approval.
• Legal structure: Split Payment is a Murabaha sale, not a loan. The Financing Bank purchases the goods or services from the Company, and then resells them to you at a price consisting of the cost plus a fixed profit margin disclosed to you before you commit. No interest is charged.
• The Company is not a bank, does not lend money, and does not grant credit. The Company's role is to present your application to the Financing Bank, to sell the goods to the Bank, and to pay the partner merchant.
• Application process:
  • You submit a financing application through the App, including your employment and income information and the supporting documents requested at the time.
  • The Company delivers your application to the Financing Bank.
  • The Financing Bank contacts you directly to complete the credit procedures. The relationship governing the credit, the instalments, the profit margin, and the repayment schedule is between you and the Bank, and is governed by the contract you sign with it.
  • The partner merchant issues a Financing Invoice for the purchase, including a description of the goods and photographs of them.
  • The Company delivers the invoice, the details of the goods, and the photographs to the Financing Bank.
  • Once the Bank approves, the Company pays the partner merchant and the goods are delivered to you.
• Approval is at the Financing Bank's sole discretion. The Company does not guarantee that any application will be approved, and is not responsible for the Bank's decision, its criteria, or the time it takes.
• Instalments are payable to the Financing Bank in accordance with your contract with it. Late payment or default is subject to that contract and to the Bank's procedures, and the Company is not a party to it.
• Submitting a financing application requires sharing personal, employment, income, and banking information, together with your identity documents and the purchase invoice and photographs of the goods, with the Financing Bank. See the "Split Payment and the Financing Bank" section of the Privacy Policy.
• The applicable cashback on a Split Payment purchase, if any, is as stated in the App at the time of purchase.
• Returning goods purchased through Split Payment is subject to the partner merchant's return policy and to your contract with the Financing Bank. Returning the goods does not, by itself, cancel your obligations towards the Bank.
• Split Payment may be modified, suspended, or discontinued at any time, and its availability may depend on the Financing Bank and on the areas and merchants covered.

• The App may provide you with a referral code to invite others to register.
• Rewards for a successful referral, their conditions, and their amounts are determined by the Company and displayed in the App, and may be modified or withdrawn at any time without prior notice.
• Any reward is granted in the form of vouchers, and is subject to the same terms as vouchers.
• Referring yourself, creating additional accounts, or using fictitious data or any other manipulation of the program forfeits any entitlement to rewards, and the Company may withdraw rewards already granted and suspend the account.

• Use the App only for its intended purpose, which is making purchases from partner merchants and receiving cashback.
• Provide accurate, current, and complete information.
• Not engage in any fraudulent, deceptive, or illegal activities through the App.
• Not attempt to exploit or manipulate the cashback system, including but not limited to: creating multiple accounts, conducting fictitious transactions, or colluding with merchants.
• Not submit false or misleading information or documents in a financing application.
• Not reverse engineer, disassemble, or attempt to extract the source code of the App.
• Comply with all applicable laws and regulations of the Syrian Arab Republic.

• Money laundering or financing illegal activities.
• Using the App for purposes other than legitimate commercial purchases.
• Creating multiple accounts for the same person.
• Any attempt to manipulate transaction records or cashback accounts.
• Submitting forged documents or false information in order to obtain financing.
• Sharing or selling accounts or access to them.
• Interfering with the App's security, infrastructure, or proper operation.

The Company reserves the right to suspend or terminate any account engaged in prohibited activities without prior notice, and to report to the relevant authorities when necessary.

• The App, including its design, logos, trademarks, text, graphics, and software, is the exclusive property of Sama Investment Company or its licensors.
• Users are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes in accordance with these Terms.
• No part of the App may be copied, reproduced, distributed, or used without prior written consent from the Company.

• The App is provided "as is" and "as available." The Company does not guarantee continuous, error-free, or secure access to the App at all times.
• The Company is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the App.
• The Company is not responsible for the quality, safety, or legality of products or services provided by partner merchants.
• The Company is not responsible for the decisions of the Financing Bank, the terms of its contract with you, or its procedures for collection and follow-up.
• The Company is not liable for any losses resulting from unauthorized access to your account due to your failure to protect your login credentials.

• The Company reserves the right to modify these Terms at any time.
• Users will be notified of material changes through the App or via registered communication channels.
• Continued use of the App after modifications constitutes acceptance of the updated Terms.

• The Company may suspend or terminate your account at its sole discretion if you violate these Terms or engage in any prohibited activities.
• You may delete your account at any time from Settings > Account and Security > Delete Account.
• Upon termination, any remaining vouchers value and cashback value in the user's account will be handled in accordance with these Terms and applicable law. As stated above, vouchers and cashback are not exchangeable for cash and their value is not refundable in cash.
• Closing your account does not affect any obligations owed to the Financing Bank under a Split Payment contract.

• These Terms are governed by and construed in accordance with the laws of the Syrian Arab Republic.
• Any disputes arising from or relating to these Terms are subject to the exclusive jurisdiction of the competent courts in Damascus, Syria.

For any questions or inquiries regarding these Terms, you may contact us via:

• Email: support@sky-cashback.com
• Phone: 0995116600
• Landline: 2130100
• Address: Damascus – Customs Square – Free Zone – Sky Building – Ground Floor