Terms and Conditions

1. About these Terms and acceptance

1.1 These Terms and Conditions (Terms) govern access to and use of the eBinaa website, mobile applications, dashboards, portals, APIs, communication tools, directories, marketplaces, project-management functions and related digital services (together, the Platform). The Platform is operated by Binaa Professional Services LLC, an Omani limited liability company registered under commercial registration number 1355332, trading as eBinaa (eBinaa, Operator, we, us or our).

1.2 These Terms apply to visitors, registered individuals, clients, consumers, Shareholder Account Owners, Company Users and Companies using the Platform. Additional obligations apply only when the relevant User claims a Company, activates a Service, submits a bid or applies for a paid or assessed product.

1.3 The Platform will present an unticked checkbox stating that the User has read and accepts the eBinaa Terms and Conditions, including the actual numbered Section and Section title displayed for the relevant action. Acceptance may occur at individual registration, Company claiming or management, Service activation, and application for verification, a Badge or a Review Service. Each acceptance incorporates these Terms and the identified Section as applicable to that action.

1.4 A User acting for a Company accepts personally and, where legally authorised, for that Company. The User represents that the User has the authority required for the relevant action and accepts personal responsibility, to the extent permitted by law, for any false, misleading or unauthorised representation.

1.5 If a User does not agree to the applicable provisions, the User must not complete the relevant registration, Company action, Service activation, application or transaction. Mandatory rights under Applicable Law are not waived by these Terms.

1.6 These Terms constitute a legally binding agreement between eBinaa and each User from the earliest of registration, access to a restricted feature, electronic acceptance or use of the relevant Service. In the case of a Company action, these Terms also regulate the conditions on which eBinaa permits the Company Account to be claimed, managed or used, without relieving the individual actor of the personal representations, warranties and undertakings expressly imposed on that individual.

1.7 For the avoidance of doubt, acceptance of a Section at a later transaction point is supplemental to, and does not replace, the acceptance recorded at registration. The applicable agreement consists of the version accepted at the relevant time together with the transaction particulars, criteria, fee and duration displayed before confirmation. No oral statement, informal message or course of dealing shall vary those terms unless eBinaa expressly confirms the variation in writing through an authorised representative.

1.8 Each User is advised to read the whole of these Terms and the Privacy Notice before acceptance and to retain a copy for future reference. A Company shall ensure that every person to whom it grants Platform access is informed of the provisions relevant to that person's functions. Continued access after notice of a lawful amendment constitutes acceptance only to the extent permitted by Applicable Law and subject to any express re-acceptance requirement in Section 30.

2. Definitions

2.1 Applicable Law means the laws of the Sultanate of Oman and binding regulations, decisions, directions and requirements of competent authorities, as amended.

2.2 Badge means a digital badge, label or recognition displayed by eBinaa following an assessment under criteria shown on the Platform.

2.3 Business Day means a day on which government and commercial offices are ordinarily open in Oman, excluding official public holidays.

2.4 Client means a person seeking, listing, purchasing or managing a design, supervision, construction, development or related service or Project through the Platform.

2.5 Company means a legal entity or commercial establishment identified by a Commercial Registration, including its approved branches where applicable. Company Account means the Platform account and profile associated with that Company.

2.6 Company Role means Consultant, Contractor, Architect or Developer. Company User means a natural person granted access to act through a Company Account, including a Shareholder Account Owner, administrator, engineer or employee.

2.7 CR means the Commercial Registration issued or maintained through the Ministry of Commerce, Industry and Investment Promotion. MOCIIP means the Ministry of Commerce, Industry and Investment Promotion of the Sultanate of Oman.

2.8 OHB means Oman Housing Bank. OHB Service means any OHB-related subscription, financing journey, opportunity, Project, workflow or Platform function.

2.9 Opportunity means a Project or request for participation made available for bidding. An Open Opportunity may be accessed by Companies meeting published eligibility rules. An Invited Opportunity is made available directly to one or more selected Companies.

2.10 Platform Fee means a fee, commission, subscription, assessment fee or other charge payable to eBinaa and disclosed before the relevant action.

2.11 Project means a design, supervision, construction, property-development, property-sale or other project recorded on or facilitated through the Platform. Project Contract means the separate contract between the relevant Project participants.

2.12 Review means a rating, questionnaire result, project-history record or performance assessment. Review Service means eBinaa’s verification, investigation or publication process relating to a Review or previous Project.

2.13 Service means Design, Supervision, Build or Development, or another service introduced and identified on the Platform. Shareholder Account Owner means a natural person whose current shareholder status for the relevant CR has been confirmed through MOCIIP data and who has completed Company Account onboarding.

2.14 Verification Tag means eBinaa’s separate profile-accuracy verification indicator. It is distinct from MOCIIP data validation and does not certify competence, performance, solvency or Project quality.

2.15 In these Terms, words importing the singular include the plural and vice versa; a reference to a person includes a natural person, company, establishment, partnership, authority or other legal or commercial body; and the words including, includes and in particular shall be construed without limitation. A reference to writing includes an electronic record capable of being retained and reproduced, except where Applicable Law requires a particular form.

2.16 References to a Section, Annex or transaction screen are references to a section or annex of these Terms or the screen presented as part of the relevant Platform journey. Section headings are for convenience only and do not affect interpretation. Any obligation not to do an act includes an obligation not to authorise, facilitate or permit that act through an account under the User's control.

2.17 Where a defined expression is used in a Project Contract or the OHB Terms with a different meaning, that special meaning applies only within that separate instrument. If a period is stated in Business Days, the day of the triggering event is excluded and the period expires at the end of the last Business Day in Oman, unless the relevant screen or Applicable Law expressly provides otherwise.

3. Eligibility and individual accounts

3.1 A registered User must be at least eighteen years old, have legal capacity and provide accurate, complete and current identity and contact information. eBinaa may require identity authentication, including through approved national digital-identity services.

3.2 Accounts are personal and credentials must not be shared. The User must protect passwords and authentication devices, enable security controls required by eBinaa and promptly report suspected loss, compromise, impersonation or unauthorised access.

3.3 Actions performed after successful authentication may be treated as the User’s actions unless the User promptly reports unauthorised use and provides reasonable supporting information. This does not excuse eBinaa from investigating credible security incidents.

3.4 One natural person may connect multiple CRs to the same personal account and may hold different Company permissions in different Companies. A Company may record multiple branches, subject to MOCIIP data and Platform functionality.

3.5 Users must not create duplicate, misleading or impersonated accounts. eBinaa may merge, restrict or remove duplicate access while preserving legally required records.

3.6 The User represents, warrants and undertakes on a continuing basis that the User is legally competent to enter into these Terms; is not prohibited by law, court order or regulatory direction from using the relevant Service; and will use the Platform only for lawful purposes. eBinaa may require further information or authentication where reasonably necessary for identity, fraud, sanctions, security or regulatory checks.

3.7 Registration does not create an absolute or irrevocable right to use every Platform feature. Access remains conditional upon completion of the applicable onboarding steps, maintenance of accurate information, satisfaction of published eligibility requirements and compliance with these Terms. eBinaa may refuse a registration or restrict a feature where information is incomplete, inconsistent, unverifiable or reasonably appears to have been provided for an improper purpose.

3.8 The User shall not sell, assign, lend, sublicense or otherwise transfer an individual account or permit another person to authenticate as that User. Any person using an account on behalf of another person must do so through an expressly delegated Company permission or another Platform mechanism approved by eBinaa.

4. Electronic acceptance, communications and records

4.1 A checkbox acceptance, electronic signature, one-time password, digital-identity confirmation, click, submission, acknowledgement or other electronic act may evidence agreement to the extent permitted by Applicable Law.

4.2 eBinaa may record the User identity, Company CR, action, applicable Section, Terms version, capacity, date, time, IP address, authentication method and associated transaction data. The Platform audit trail is prima facie evidence of Platform events, subject to proof of manifest error, fraud, system malfunction or contrary evidence.

4.3 Users consent to receiving operational, contractual, security and Project communications through their registered email, mobile number, Platform inbox and approved notification channels. Marketing communications require the permissions required by law and may be stopped through the provided opt-out mechanism.

4.4 Notices are considered received when made available in the account and an electronic alert is sent, unless Applicable Law or a Project Contract requires another method. Users must keep their contact information current.

4.5 eBinaa may require wet-ink, notarised, registered or original documents where law, a competent authority, OHB, a Project Contract or operational risk requires them.

4.6 The User expressly requests and authorises eBinaa to conduct the relevant relationship electronically and acknowledges that electronic records may satisfy requirements for writing, originals, delivery and retention to the extent recognised by Applicable Law. The User is responsible for ensuring continuing access to the registered communication channels and for downloading any record the User wishes to retain independently.

4.7 A Platform timestamp is determined by eBinaa's systems. In the event of an inconsistency between a User-held screenshot and the server-side audit record, eBinaa may investigate both records and any related authentication, payment and communication evidence. Nothing in this provision makes the audit record conclusive where Applicable Law permits contrary proof.

4.8 A communication generated automatically by the Platform does not constitute a waiver, legal opinion, professional certification or discretionary approval unless it expressly states that it has been issued by an authorised decision-maker for that purpose. eBinaa may correct an obvious clerical, calculation or system error after giving affected Users reasonable notice.

4.9 Acceptance of these Terms, acknowledgement of the Privacy Notice and any consent relied upon for a specific processing operation are legally distinct records. Acceptance of the Terms is mandatory for the relevant Platform action; a privacy acknowledgement confirms that the notice was made available; and an optional consent is effective only for the specific purpose, data and recipients stated beside the unticked consent control.

4.10 eBinaa shall not use a pre-ticked box, inactivity or bundled wording to obtain an optional marketing consent or a consent for sensitive personal data, public display of an individual's profile, recording of a non-essential interview, or a cross-border transfer where separate consent is required. Refusing or withdrawing an optional consent shall not prevent an unrelated Service unless the processing is objectively necessary to deliver that Service or comply with law.

4.11 The electronic acceptance record may include the exact wording shown, the linked document version, language, journey, granular consent status and any later withdrawal. eBinaa may retain that evidence for the period necessary to demonstrate compliance, resolve disputes and protect the integrity of electronic transactions.

4.12 A User may withdraw a consent through the same account setting or another method that is no more difficult than the method used to give it, or by contacting info@ebinaa.com. Withdrawal does not invalidate processing lawfully completed before withdrawal and does not require erasure where another lawful basis or mandatory retention duty applies.

5. Platform role and separate Project Contracts

5.1 eBinaa provides technology, directory, marketplace, workflow, record, assessment and project-management tools. Unless expressly appointed under a separate written agreement, eBinaa is not the designer, engineering consultant, architect, contractor, developer, seller, lender, escrow agent, insurer, guarantor or representative of a User.

5.2 Registration, role activation, data matching, a Verification Tag, Badge, Review, ranking, invitation, status or workflow step does not constitute governmental approval, professional certification, financing approval, endorsement or a guarantee of competence, performance, quality, price, safety or completion.

5.3 Every construction, consultancy, design, development or sale relationship is governed by its separate Project Contract. These Terms do not regulate construction methods, defects, variations, milestone certification, site safety, payment milestones between Project parties, delay, completion, professional duty or termination of construction work.

5.4 The Platform may generate, facilitate or record a Project Contract, but eBinaa is not a party unless the contract expressly states otherwise. Each party must review the contract and independently verify the other party’s identity, authority, licences, insurance and suitability.

5.5 Where documents conflict: mandatory law prevails; then the Project Contract governs substantive Project obligations; the OHB terms govern OHB-specific matters; these Terms govern Platform use, Company participation and eBinaa charges; and the accepted transaction screen governs the specific price, duration or criteria displayed for that transaction.

5.6 The User acknowledges that eBinaa's role may differ between Services and transactions and shall be determined by the functions actually provided and any express written appointment, not merely by a label used for convenience. Unless a separate written instrument expressly provides otherwise, no fiduciary, partnership, joint venture, employment, professional-adviser, trustee or agency relationship arises between eBinaa and any User.

5.7 Each Project participant remains responsible for its own commercial, technical, legal and financial due diligence. eBinaa is entitled to establish Platform procedures, eligibility controls and evidence requirements, but the existence or exercise of those controls does not transfer to eBinaa the statutory, contractual or professional obligations of a Client, Company, shareholder, consultant, architect, contractor, developer, seller, lender or other participant.

5.8 For the avoidance of doubt, any Project-management record, progress entry, uploaded certificate, automated notification, digital acknowledgement or workflow approval stored on the Platform is evidence of the recorded action only. It is not an independent technical approval, payment certification, variation instruction, completion certificate or assumption of professional responsibility by eBinaa unless a separate signed agreement expressly states otherwise.

6. Company directory and MOCIIP data

6.1 eBinaa may obtain, receive, validate, record, organise, compare, update, retain and use CR information through MOCIIP APIs and other lawful official sources. When a User supplies a CR number, claims a Company or requests a Company Service, the User expressly authorises eBinaa to make initial, monthly and event-based verification requests concerning that CR.

6.2 MOCIIP information may include the Company’s names, CR number and status, legal form, country, registration and expiry dates, capital information, addresses, branches, activities, licences, investors or shareholders, authorised signatories and contact information. Access to a category does not mean that eBinaa will publish it.

6.3 Public display is limited to Company-level fields that eBinaa determines may lawfully be displayed and that are permitted by MOCIIP and Applicable Law. eBinaa will not publicly display MOCIIP-derived civil identification numbers, passports, dates of birth, private mobile numbers or other restricted personal data merely because they are available through the API.

6.4 Names of shareholders, administrators, engineers or employees may be displayed where those individuals have registered on eBinaa, accepted the applicable notice and are shown as managing or participating in the Company Account. Their public visibility is based on their Platform role, not merely on their appearance in MOCIIP data.

6.5 MOCIIP data ordinarily prevails over conflicting Company-entered official data. A correction request will trigger reasonable verification or a new source refresh. Mandatory rights to request correction of personal data are not conditional on any ownership percentage.

6.6 While a CR remains active, eBinaa may continue to maintain and display its lawful Official Company Directory Record even if the profile is unclaimed, incomplete, disputed or contains an unfavourable verified Review. A request by a Company or shareholder does not by itself require removal. If MOCIIP records the CR as terminated, eBinaa will update or delist it in accordance with Platform rules and Applicable Law.

6.7 Subject to mandatory rights, a User and Company shall not hold eBinaa liable solely for accurate and lawful display of official Company information obtained from MOCIIP. Nothing in this clause excludes liability for eBinaa’s unlawful processing, material alteration, negligence or failure to correct proven inaccuracies within a reasonable period.

6.8 eBinaa may retain historical verification results and CR changes for audit, integrity, fraud-prevention, dispute and legal purposes. Withdrawal from an optional Company feature may end access to that feature but does not require deletion of information independently permitted or required to be retained or displayed.

6.9 The authorisation in this Section is a continuing Platform authorisation for so long as the CR remains listed or the Company or a Company User uses Company functionality. It is not intended to waive any non-waivable right of a data subject. eBinaa may rely on other lawful grounds, permissions and public-record rules where available, and shall process personal data in accordance with the Privacy Notice and Applicable Law.

6.10 A User shall not knowingly alter, conceal, mischaracterise or overwrite an official field in a manner that creates a materially misleading Company profile. Where the Platform permits supplementary Company-provided information, it must be clearly distinguishable from official-source data where necessary to avoid confusion. eBinaa may lock an official field, restore the latest verified value or display the date on which the source was last checked.

6.11 eBinaa does not warrant that an official source is continuously available, complete or free from delay or error. If an API is unavailable, eBinaa may display the latest recorded status together with the last verification date, temporarily restrict a sensitive action or request alternative official evidence. The Company must not represent stale Platform data as a current government certificate.

6.12 A disagreement about Company control is distinct from a request to correct personal data. eBinaa may require the fifty-percent ownership threshold or equivalent corporate authority for conflicting instructions concerning control, branding, personnel or voluntary Company content, while separately handling each individual's personal-data rights without imposing that threshold.

6.13 For personal data contained in or derived from a CR record, eBinaa acts as controller of its own collection, copying, matching, retention, Platform use and public display. MOCIIP remains responsible for the official source and its own statutory processing. Availability through an official interface or public register does not convert restricted personal data into unrestricted Platform content.

6.14 Before displaying an official Company field, eBinaa shall classify it as public Company data, restricted Company data or personal data; consider the purpose and proportionality of display; suppress civil identifiers, passport data, dates of birth, private contact details and other unnecessary personal fields; and identify the official source and last refresh date where reasonably practicable.

6.15 A shareholder's registration on eBinaa does not authorise publication of every MOCIIP data point concerning that shareholder. A shareholder, employee or Company User may be publicly identified only to the extent described in the Privacy Notice and the relevant profile control. Mandatory personal-data rights remain exercisable notwithstanding Company ownership, a negative Review, an account-control dispute or the Company's wish to remain listed.

6.16 A request to remove an active Company's lawful directory record may be refused where eBinaa is entitled to retain and display that Company information. That refusal does not extend to proven inaccurate personal data, unlawfully disclosed personal data, or a field whose display is no longer necessary or proportionate. eBinaa may preserve the underlying restricted record while correcting, suppressing or delisting the public field.

6.17 Company-control instructions supported by shareholders holding at least fifty percent of the recorded ownership affect management of Company-supplied content and permissions only. They do not authorise one shareholder to waive another individual's privacy rights, obtain that individual's restricted data, or require eBinaa to publish or erase personal data contrary to Applicable Law.

7. Claiming and managing a Company Account

7.1 Any User may initiate or contribute basic information for a Company profile. The Company Account cannot be fully claimed, activated for contracting or awarded a Verification Tag unless at least one current CR shareholder becomes a Shareholder Account Owner and accepts the applicable Company provisions.

7.2 eBinaa may use MOCIIP shareholder names, identifiers and contact details privately to identify and invite an eligible shareholder. Such invitation data must not be used by a Company User for unrelated purposes.

7.3 Claiming a Company does not transfer ownership of the Official Company Directory Record. It grants controlled rights to manage Company-supplied content and Platform functions while the eligibility conditions continue.

7.4 A Company must maintain complete and accurate profile information, identify the requested Company Role, select intended Services and promptly disclose material changes. eBinaa may require supporting evidence at any time.

7.5 Instructions affecting Company Account control may require confirmation by shareholders representing not less than fifty percent of the recorded ownership, an authorised manager, a valid Company resolution or other evidence acceptable to eBinaa. Where instructions conflict or authority is uncertain, eBinaa may freeze sensitive actions until the conflict is resolved.

7.6 A Company Account may be transferred only to a User whose current shareholder status for that Company is verified, unless eBinaa approves another legally authorised representative.

7.7 The User who initiates a Company profile warrants that the initiation is in good faith and is not intended to impersonate, mislead, obstruct or prejudice the Company or its stakeholders. Until the Account is claimed, eBinaa may limit editable fields, mark the profile as unclaimed and reject content that cannot reasonably be substantiated.

7.8 The Company acknowledges that the Official Company Directory Record, Platform verification history, transaction audit trail and verified Reviews form part of eBinaa's records and are not Company assets capable of being removed or transferred at will. The Company's management rights are contractual and conditional, and do not confer ownership of the Platform, database structure, rankings or eBinaa-generated assessment material.

7.9 The Company shall resolve its internal corporate disagreements without requiring eBinaa to adjudicate ownership, management or signing authority. eBinaa may rely on current MOCIIP data, a valid court or authority direction, a duly evidenced Company resolution or other documentation it reasonably considers reliable, and may require independent legal confirmation at the Company's cost where the position remains materially uncertain.

8. Shareholder Account Owners

8.1 A Shareholder Account Owner may manage the Company profile; invite other shareholders; add, assign and remove Company Users; add Company and Project information; request a Company Role and Services; receive invitations; submit permitted bids; manage active Projects; apply for Verification Tags, Badges and Review Services; and receive Company notices.

8.2 More than one verified shareholder may be given Shareholder Account Owner access. Each must use an individual account. The Company is responsible for establishing internal controls and resolving disagreements among its shareholders and managers.

8.3 eBinaa verifies shareholder status only. Shareholder status does not automatically prove that the person is a manager or authorised signatory. Before submitting a binding offer, accepting an award or signing a Project Contract, the User separately warrants that the User has authority under the CR, constitutive documents, Company resolutions and Applicable Law.

8.4 A User is personally responsible, to the extent permitted by law, for loss caused by false claims of authority, unauthorised signatures, impersonation or misuse. eBinaa may request evidence of authority but has no general duty to verify internal Company approvals for every Platform action.

8.5 If a monthly or event-based MOCIIP refresh shows that the only active Shareholder Account Owner is no longer a shareholder, eBinaa may immediately restrict new bids, awards and sensitive changes; notify that User; invite current shareholders; and allow seven calendar days for a current shareholder to complete onboarding. If none does, the Company Account returns to an unclaimed state.

8.6 Existing Project-management access may continue after loss of Company Account ownership only to the extent necessary to perform, record and administer existing obligations. This does not permit new Opportunities or awards.

8.7 Without limiting the specific permissions stated above, a Shareholder Account Owner may configure operational access, receive and respond to invitations, prepare and submit bids within the eligibility applicable to the Company, approve Company-supplied profile information and administer Project records. Those Platform permissions do not enlarge any authority conferred by the Company's constitutive documents or Applicable Law.

8.8 Every Shareholder Account Owner represents, warrants and undertakes that the person will not exercise a permission where the necessary corporate approval, signing power, professional qualification or internal mandate is absent. If the person proceeds notwithstanding that absence, the person shall be personally accountable for the unauthorised act and resulting loss to the extent permitted by law, without limiting any responsibility of the Company or another wrongdoer.

8.9 eBinaa is not required to inspect specimen signatures, board minutes, powers of attorney or internal approval matrices for every bid, award or Project Contract. Any optional verification undertaken by eBinaa is a risk-control measure for the Platform and does not release the Shareholder Account Owner or the Company from its continuing duty to verify authority before acting.

9. Delegated Company Users

9.1 A Shareholder Account Owner may authorise another Company User to perform any Platform function available to that Shareholder Account Owner, subject to permissions configured through the Platform.

9.2 The Company and the delegating Shareholder Account Owner remain responsible for delegated access and for the acts and omissions of Company Users. Access must be promptly removed or restricted when the person changes role, leaves the Company or is no longer authorised.

9.3 A Company administrator may add or remove employees and allocate operational permissions. eBinaa may override or suspend permissions for security, legal, integrity or eligibility reasons.

9.4 Platform permission does not by itself appoint a person as a manager, authorised signatory, engineer of record or legal representative. A delegated person performing a legally binding action must separately confirm the necessary authority and professional eligibility.

9.5 Company Users may access only the information necessary for their assigned functions and must protect Company, Client, Project and personal data. The Company is responsible for maintaining an accurate access list.

9.6 A delegation may be broad or limited by feature, Project, period or transaction value. eBinaa may introduce or modify technical permission categories and may require renewed confirmation for high-risk functions. The Shareholder Account Owner shall apply the principle of least privilege and shall not grant a person access merely for convenience where the person has no legitimate Company function.

9.7 The Company shall review its access list regularly and immediately after any change of employment, engagement, shareholder status, management responsibility or device security. Removal from the Company's workforce does not automatically delete that person's independent eBinaa account, but Company access and Company confidential information must be revoked without delay.

9.8 Any approval, submission or communication made by a delegated Company User within the permissions recorded on the Platform may be attributed to the Company for Platform purposes. The Company remains entitled to prove unauthorised use, but must promptly notify eBinaa, preserve evidence and cooperate with reasonable security measures.

10. Company Roles and Service eligibility

10.1 A Company identifies the Company Role it wishes to hold. Each CR may hold only one Company Role at a time, although one personal account may manage different CRs with different Company Roles.

10.2 The current Company Roles are Consultant, Contractor, Architect and Developer. Role selection is a request only. eBinaa may activate, condition, refuse, suspend or change eligibility based on CR activities, MOCIIP information, Platform rules, applicable licences or other lawful criteria.

10.3 The current indicative Service matrix is set out below. eBinaa may change the matrix prospectively by publishing an updated matrix. A change does not amend an already signed Project Contract.

10.4 Activation confirms only Platform eligibility under the rules then applied. It is not a governmental licence, professional endorsement or guarantee that the Company is legally permitted or competent to perform a particular engagement.

10.5 Every Company remains solely responsible for maintaining the CR activities, licences, permits, professional personnel, insurance and approvals required by law and by each Project Contract, whether or not eBinaa checks them.

10.6 The Company represents and warrants that its selected Company Role and requested Services fairly describe the activities it proposes to conduct through the Platform. The Company shall not select a role to circumvent an eligibility condition, gain access to an Opportunity for which it is not qualified or create a misleading impression of governmental or professional approval.

10.7 eBinaa may establish, amend and apply documentary, activity-based, performance, risk and technical criteria for activation. Such criteria may differ by Service, Project category, Client type, location, value, OHB status or regulatory requirement. Unless expressly stated otherwise, satisfying a criterion is necessary but does not create an obligation on eBinaa to activate or retain the Service.

10.8 A suspension or refusal affecting one Service need not affect the Company's other active Services unless the underlying concern is relevant to them. eBinaa may require a fresh application where a Company changes role, CR, ownership, material activity, business model or other information relevant to eligibility.

11. Design Participation

11.1 Design participation may be requested by a Consultant, Architect or Developer, subject to the current Service matrix and Platform eligibility rules.

11.2 A participating Company must accurately describe the design services it offers, its personnel, experience, availability and any limitations. It must not claim a professional licence, qualification or approval it does not hold.

11.3 There is currently no eBinaa participation fee for activating Design. eBinaa may introduce a future fee only if the amount and VAT treatment are displayed before the relevant future activation or transaction and the Company expressly accepts them.

11.4 Design submissions, proposals and communications remain the responsibility of the submitting Company. Any design appointment and professional obligations are governed by a separate Project Contract.

11.5 Activation of Design permits the Company to access only the Design functions then made available for its Company Role and eligibility status. It does not guarantee visibility, an invitation, selection, minimum transaction volume or acceptance of any proposal by a Client.

11.6 The Company represents and warrants that every description, portfolio item, credential, quotation and proposal it submits is accurate, lawfully usable and not misleading by omission. eBinaa may request substantiation, remove unverifiable content or restrict Design participation without assuming a duty to review every submission in advance.

11.7 Any future Design-related charge shall be governed by Section 16 and the accepted transaction screen. No fee may be inferred merely from the availability of a Design feature, and no waiver of a future disclosed fee arises from the current absence of a participation fee.

12. Supervision Participation

12.1 Supervision participation is currently available to the Consultant role, subject to Platform eligibility rules. eBinaa may revise eligibility prospectively.

12.2 A Consultant must keep its profile, relevant personnel, insurance and legal eligibility current. Project-specific attendance, certification, response, evidence and professional duties are governed by the applicable consultancy or construction contract and are not created by these Terms.

12.3 The Consultant must respond honestly to invitations, disclose material conflicts and ensure that bids and availability statements are accurate. Repeated non-response, misleading submissions or substantiated performance concerns may affect future eligibility.

12.4 Where a Supervision Platform Fee applies, it is ten percent of the VAT-inclusive consultancy contract value accepted through or attributed to eBinaa, with VAT then added to the eBinaa fee. Any different rate must be displayed and accepted before participation.

12.5 Supervision activation gives no assurance that the Company will receive an invitation or appointment. A Consultant shall respond to invitations and submit information through the stated workflow and within any response period displayed for the Opportunity; failure to respond may affect future visibility or participation but does not create substantive supervision duties before a Project Contract is signed.

12.6 The Consultant warrants that Platform statements concerning availability, personnel, experience and authority to provide supervision services are complete and not misleading. eBinaa may rely on those statements for matching and may require correction, supporting evidence or renewed confirmation before an award proceeds.

12.7 The Platform Fee in Section 16 is consideration for eBinaa's facilitation and Platform services and is separate from the Consultant's professional fee and obligations under the Project Contract. No payment of a Platform Fee makes eBinaa a co-consultant or supervisor.

13. Build Participation

13.1 Build participation may be requested by a Contractor or Developer, subject to the current Service matrix, Platform eligibility and continuing legal compliance.

13.2 A Company may submit an Invited Bid when directly invited even if it does not hold the Verification Tag required for Open Opportunities. A Company may submit an Open Bid for an eBinaa Opportunity only while verified and otherwise eligible. For an OHB Open Opportunity, it must also hold the applicable OHB subscription or status.

13.3 Bids, quotations, programmes, statements of capacity and supporting documents must be genuine, current and complete. eBinaa may decide eligibility or non-performance status based on information and evidence received from any relevant party, subject to reasonable review.

13.4 The Build Platform Fee is two percent of the VAT-inclusive Project Contract value accepted through or attributed to eBinaa, with VAT then added to the eBinaa fee. The fee is payable by the participating Company and may not be passed to or separately charged to the Client as an eBinaa fee.

13.5 Construction performance, site obligations, work quality, safety, defects, delays, payments between Project parties and termination are governed exclusively by the Project Contract and Applicable Law.

13.6 Build activation authorises access only to the bidding and Company functions made available for the relevant eligibility status. It does not constitute prequalification for every Project, a guarantee of award or evidence that the Company satisfies the Client's independent tender requirements.

13.7 Each Build bid must be submitted in the Company's own name or in another capacity expressly disclosed and permitted by the Opportunity. The Company warrants that the commercial information, exclusions, validity period and documents submitted through the Platform are accurate and authorised, without prejudice to the separate Project Contract that governs the eventual construction engagement.

13.8 The two-Business-Day payment requirement is a material condition of the award workflow. eBinaa may extend that period in writing, accept an e-mandate or other approved arrangement, or treat non-payment as a lapse without liability for the Client's decision to proceed with another eligible Company.

14. Development Participation

14.1 Development means listing or offering a real-estate development or Project that may be ready for sale, pre-designed for construction or offered as an off-plan development, subject to Applicable Law and Platform rules.

14.2 A Consultant, Contractor or Developer may request Development participation. A Company performing regulated design, construction, supervision, marketing or sale functions must itself hold the required authority or separately nominate and contract with appropriately licensed parties.

14.3 The Company is responsible for the truth and completeness of ownership, development rights, approvals, plans, prices, availability, escrow arrangements, completion status and authority to market or sell. eBinaa may review completeness but does not guarantee legal title, approval or technical accuracy.

14.4 The Development Platform Fee is two percent of the agreed sale-contract price for a transaction arising from an eBinaa-attributed lead, unless another rate is displayed and accepted before participation. The fee is triggered upon execution of the sale agreement.

14.5 A lead introduced, recorded or materially facilitated through eBinaa remains attributed to eBinaa for twelve months from the latest evidenced introduction or material Platform interaction.

14.6 A Development listing or participation request must identify the Company's capacity accurately, including whether it is acting as developer, development manager, consultant, contractor, marketing participant or another permitted role. The Company shall not describe itself as owner, seller or authorised marketer unless it has the legal right and evidence necessary to do so.

14.7 The Company is responsible for the accuracy and lawful use of all property, price, title, approval, availability, image and marketing information it supplies. eBinaa may request evidence or remove a listing that is incomplete, stale, disputed or considered high risk, but does not thereby assume responsibility for title, planning approval, escrow, construction status or the legal capacity to sell.

14.8 For lead attribution, eBinaa may rely on registration records, enquiries, invitations, messages, viewing requests, reservation activity and other Platform evidence. The Company shall promptly disclose a resulting sale agreement and its agreed price and shall provide reasonable documentary confirmation solely for calculating and enforcing the applicable Platform Fee.

15. Opportunities, invitations, bids and awards

15.1 An invitation to bid is not an award or promise of work. A bid is an offer by the participating Company and must remain accurate for its stated validity period.

15.2 A Company may submit an Invited Bid where directly invited and may submit an Open Bid only where it satisfies the relevant verification, subscription, Role, Service, location and other published eligibility requirements.

15.3 The Client independently reviews and selects bids. eBinaa may rank, filter or recommend Companies using disclosed or internal integrity and relevance criteria, but such output is not professional advice or a guarantee.

15.4 If a selected Company increases or materially changes its price before the Project Contract is completed, the Client may reject the change and select another Company without liability for the related eBinaa Platform Fee.

15.5 Once the Client signs or electronically confirms the Project Contract, the selected Contractor must pay the applicable eBinaa Platform Fee within two Business Days and before the Contractor signs. eBinaa may accept an approved electronic mandate or direct-debit arrangement.

15.6 If payment and the Contractor’s signature are not completed within two Business Days, eBinaa may treat the selection as lapsed and permit the Client to choose another Company. The Project Contract becomes effective only in accordance with its own execution provisions after all required signatures and applicable Platform payment conditions are completed.

15.7 A Company must not manipulate bids, collude, submit sham offers, misuse confidential pricing, interfere with another participant or contact a Client to avoid Platform obligations.

15.8 An invitation is personal to the invited Company Account and may not be transferred, brokered or used for another CR without eBinaa's prior written approval. eBinaa may limit the number of invitations or bids, apply ranking or eligibility filters and close, extend, withdraw or reissue an Opportunity in accordance with the Client's instructions and Platform rules.

15.9 A bid submitted through the Platform constitutes a serious commercial proposal by the Company but does not itself create a Project Contract unless the applicable workflow and separate contract expressly provide otherwise. The Company remains responsible for internal approval, accuracy and any validity period it states. eBinaa is not obliged to accept, rank or recommend the lowest bid.

15.10 A Client selection is conditional upon completion of the applicable Platform Fee, eligibility and contracting steps. Until the Project Contract is duly concluded, eBinaa may record the status as selected, conditionally awarded or pending signature, and may reverse that status where a condition is not satisfied, information is materially inaccurate or participation becomes restricted.

15.11 Where an unverified Company is directly invited, the invitation permits it to submit the invited bid only. It does not grant access to Open Opportunities or automatically confer a Verification Tag. Any further verification required for selection or contracting will be displayed in the relevant workflow.

16. Platform Fees, VAT, payments and refunds

16.1 All Client-facing Project prices recorded for fee calculation are treated as VAT-inclusive unless the accepted transaction expressly states otherwise. eBinaa calculates its percentage Platform Fee on that VAT-inclusive amount and then adds VAT to the eBinaa Platform Fee at the legally applicable rate.

16.2 Current principal rates are: Design - no participation fee; Supervision - ten percent of the accepted VAT-inclusive consultancy contract value; Build - two percent of the accepted VAT-inclusive Project Contract value; and Development - two percent of the agreed sale-contract price. The transaction screen and accepted record govern if eBinaa lawfully introduces or changes a rate prospectively.

16.3 Platform Fees are payable by the Company identified at checkout and cannot be charged to the Client as an eBinaa fee unless eBinaa expressly approves a different arrangement in writing.

16.4 Payment for verification, a Badge, a Review Service or another assessment is payment for processing, review and assessment—not for a favourable outcome. Fees and VAT are displayed before payment through the approved payment gateway.

16.5 After a Project Contract has been signed by the required parties, the related Platform Fee is non-refundable even if a party later cancels or terminates the Project Contract. Rights between Project parties remain governed by that contract.

16.6 No refund is due where the payer withdraws, fails eligibility, supplies misleading information, refuses an accepted offer, fails to sign, circumvents eBinaa or otherwise causes the transaction to fail. Duplicate charges and confirmed eBinaa payment errors will be refunded. Other pre-contract refund requests may be approved or refused according to the circumstances and Applicable Law.

16.7 An approved refund will be processed to the original payment method where practicable within three months after approval. Payment-gateway, bank and tax processing may affect the date funds become available.

16.8 No Platform Fee applies automatically to a variation, extension, renewal or additional service unless the applicable charge is displayed and accepted or the transaction is covered by the non-circumvention provisions.

16.9 All Platform Fees are contractual charges for the Platform, facilitation, assessment or other eBinaa service identified at the point of payment. They are not deposits held for a Project participant and do not purchase a favourable verification, Badge, Review, ranking, award or outcome. The payer shall review the calculation basis, tax treatment and payment trigger before confirmation.

16.10 The payer authorises eBinaa and its payment-service providers to process the disclosed amount and related transaction data. Where an e-mandate or direct-debit instruction is accepted, the payer warrants that it is authorised for the nominated account and shall maintain sufficient funds. A failed, reversed or charged-back payment remains due unless eBinaa confirms otherwise in writing.

16.11 Unless prohibited by law, eBinaa may suspend the unpaid feature, withhold the Company's ability to countersign through the Platform, set off an undisputed credit against an undisputed amount due, and recover reasonable documented collection costs. eBinaa shall not use those remedies to interfere with mandatory consumer rights or with Project obligations that must remain accessible for safety, evidence or legal compliance.

16.12 The Build Platform Fee is payable by the contractor and shall not be separately passed to or described to the Client as an eBinaa charge. This does not prevent a Company from setting its own lawful total price before bid submission, provided the bid is transparent and the Company does not add or misrepresent the Platform Fee after selection.

16.13 A refund, credit or reversal does not arise merely because a User is dissatisfied with a lawful assessment result, receives no invitation, is not selected, loses eligibility through its own act or terminates a Project after the Project Contract is signed. Any refund required by Applicable Law or expressly approved by eBinaa will be made to the original method where practicable and processed within the period stated in this Section.

17. Verification Tag

17.1 MOCIIP validation of CR activities, status or licences is an official-data check and is separate from the paid eBinaa Verification Tag process.

17.2 A Company may request a Verification Tag only after completing all profile fields required by the Platform and paying the displayed assessment fee through the approved payment gateway, unless eBinaa offers the assessment free of charge.

17.3 The fee purchases one initial assessment and up to three resubmissions. All resubmissions must be made within six months after the initial submission. Payment does not guarantee approval, continued display or any particular result.

17.4 The Verification Tag confirms only that eBinaa found specified profile information consistent with the evidence and sources reviewed at the time. It does not certify competence, financial strength, quality, safety, suitability or future performance.

17.5 eBinaa may approve, refuse, suspend or withdraw a Verification Tag if information is incomplete, inaccurate, outdated, misleading, materially changed or no longer meets the applicable criteria. Monthly MOCIIP checks and material profile changes may trigger reassessment.

17.6 Changes to fields designated by the Platform as verified may require eBinaa approval before publication under a verified profile. eBinaa aims to decide a complete profile-change request within twenty Business Days, but may request further evidence or extend the review for justified reasons.

17.7 The criteria, evidence requirements, fee, duration and any renewal terms shown at the time of application form part of the accepted transaction record.

17.8 The Company acknowledges that the Verification Tag is a conditional, revocable statement about the correspondence between selected profile information and the evidence or authoritative sources reviewed at a particular time. It must not be described as certification by MOCIIP, OHB or any regulator, or as a warranty by eBinaa of the Company's future conduct.

17.9 The assessment fee compensates eBinaa for review activity whether the application is approved, rejected, deferred, suspended or exhausted through resubmissions. The Company shall submit complete, genuine and legible evidence and shall not fragment, manipulate or omit information that would reasonably affect the assessment.

17.10 A resubmission is an opportunity to cure the stated deficiency and not a new entitlement to a different outcome. Unused resubmissions expire at the end of the six-month period and are not transferable, redeemable or convertible into cash. A materially different application may be treated as a new paid application.

17.11 The Company shall not reproduce, alter, obscure or display the Verification Tag outside the Platform except with eBinaa's written permission. Upon suspension or withdrawal, the Company must cease any representation that the Tag remains current and must not use an archived screenshot in a misleading manner.

18. Badges and assessments

18.1 eBinaa may offer Badges based on criteria displayed on the Platform. A Badge may be paid, free, promotional, time-limited or have no fixed expiry, but always remains subject to continuing eligibility.

18.2 Any payment is for document review and eligibility assessment, not for the award of a Badge. eBinaa has sole responsibility for the evidence-based assessment and may refuse an application without awarding the Badge.

18.3 eBinaa may suspend or withdraw a Badge if the Company no longer qualifies, information changes, evidence was misleading, complaints raise material integrity concerns or continued display would be inaccurate or unlawful.

18.4 Criteria changes ordinarily apply to future applications and renewals. eBinaa may apply an immediate change where required by law, a competent authority, material integrity risk or correction of a misleading Badge meaning.

18.5 The current Badge name, meaning, criteria, evidence, fee, validity, resubmission and renewal rules will be displayed before application and incorporated through the applicable Section acceptance.

18.6 Each Badge is governed by the criteria, evidence, fee, review method, duration and renewal conditions presented for that Badge at the time of application. Those particulars form part of these Terms for that application. A Badge with no fixed expiry remains subject to continuing eligibility, monitoring and withdrawal and shall not be represented as permanent or irrevocable.

18.7 The Company warrants that Badge evidence is complete, current and authentic and shall promptly notify eBinaa of any event that makes an awarded Badge inaccurate or misleading. eBinaa may conduct sample checks, request refreshed evidence or temporarily hide the Badge while a material concern is investigated.

18.8 Payment is for assessment and administration, not for the grant, prominence or retention of a Badge. Unless Applicable Law or the accepted particulars state otherwise, rejection or withdrawal resulting from the Company's ineligibility, inaccuracy, non-disclosure or changed circumstances does not entitle it to a refund.

19. Reviews, ratings and previous Projects

19.1 A Review may be requested or submitted by a Client, Company, Project participant, government entity or external person who provides evidence of a genuine Project relationship. eBinaa may also initiate verification of a previous Project.

19.2 A Review will not be published unless supported by relevant photographic evidence. The reviewer must have authority to submit the photographs and must not unlawfully disclose confidential information, personal data or third-party intellectual property.

19.3 Photographs may be required privately as evidence without being published. eBinaa may crop, blur, redact, withhold or reject photographs to protect privacy, confidentiality, safety and legal rights.

19.4 Participants may be required to answer eBinaa’s questionnaire through a form, call or other approved method. eBinaa may verify contracts, government records, photographs, identities and other evidence before publication.

19.5 The reviewer may be identified privately while remaining anonymous to the public. The reviewed Company will have a reasonable public right of reply, subject to moderation.

19.6 A Company may submit a correction or objection request without charge. Where a further investigation, fresh interviews, document review or material reassessment is requested, eBinaa may quote an investigation fee. Payment never guarantees a favourable rating, amendment or removal.

19.7 eBinaa may publish an evidence-based result even when unfavourable and may retain the Review if the Company profile becomes unclaimed. Reviews may be removed or changed for proven factual error, unlawful content, manipulated evidence, privacy or confidentiality breach, lack of genuine relationship or another justified policy ground—not because a Company pays or objects.

19.8 Users must not submit defamatory, threatening, discriminatory, irrelevant or fabricated content; unsupported criminal allegations; personal attacks; manipulated evidence; or confidential or personal information unrelated to the assessment.

19.9 By submitting material for a Review, the submitting person represents and warrants that the account is honest, the relationship evidence is genuine, the photographs may lawfully be used, and the statements are based on personal knowledge or identified reliable records. The submitter grants eBinaa the rights necessary to authenticate, moderate, translate, summarise, publish and retain that material for the Review Service.

19.10 eBinaa may distinguish verified facts, participant opinions, questionnaire scores, Company responses and unresolved allegations. Publication does not mean that eBinaa adopts every opinion as its own. eBinaa may edit for length, clarity, privacy, legal compliance or consistency without materially changing the substance, and may decline material that cannot be responsibly published.

19.11 The reviewed Company shall receive a reasonable opportunity to provide evidence and a public response in accordance with the workflow. The response must comply with the same content standards and must not disclose personal data, confidential information or retaliatory allegations. eBinaa may show that a Review is disputed, corrected or updated where that context materially assists Users.

19.12 No person may purchase deletion, suppression or favourable modification of a Review. A charge for enhanced reinvestigation covers additional verification work only and does not affect the evidentiary standard or guarantee a change. Correction of a clear factual or processing error and the initial objection remain available without a reinvestigation fee.

20. OHB Services and incorporation of OHB Terms

20.1 Where a User accesses, subscribes to, bids for, participates in or manages an OHB Service, the OHB-eBinaa Platform Terms of Use reproduced in Annex 1 also apply. The User must accept this Section and Annex 1 before first accessing the relevant OHB Service or submitting an OHB-related bid.

20.2 OHB may provide eBinaa with KYC status, subscription status and other information OHB considers necessary for authorised Platform purposes. eBinaa may use that information to administer eligibility, access, offers and Projects in accordance with Applicable Law and the OHB terms.

20.3 OHB independently determines its financing, subscription, KYC, eligibility, restriction and blacklisting decisions. eBinaa does not guarantee OHB approval or continued eligibility.

20.4 eBinaa will not publicly identify a Company as blacklisted by OHB. If eligibility changes after an offer is submitted, the offer may remain visible for audit purposes with the status ‘Currently unavailable for selection’. It cannot be selected unless eligibility is restored.

20.5 A restriction may block new OHB Opportunities and may, where eBinaa independently decides on documented information, affect other eBinaa Services. Existing signed Projects may remain accessible to the extent needed to manage existing obligations.

20.6 The Company may appeal or request review through eBinaa at info@ebinaa.com or through OHB’s applicable process. eBinaa may preserve restrictions while a review is pending.

20.7 Annex 1 is reproduced as received from OHB. For an OHB-specific conflict, the OHB terms prevail. Their dispute provision governs disputes arising specifically under Annex 1.

20.8 For operational application of the bracketed references appearing in the OHB-supplied Annex 1: the incident-reporting period is twenty-four hours; the security and support contact is info@ebinaa.com; and the good-faith discussion period is fifteen Business Days. The liability cap referenced in Annex 1 is governed, for eBinaa as Operator, by Section 27.3 of these Terms unless OHB and eBinaa approve another applicable cap in writing.

20.9 A User who accesses an OHB Service acknowledges that eBinaa may act as a technology and workflow provider for OHB and may receive, transmit and display OHB-related status information necessary for the relevant journey. The User authorises those exchanges subject to the OHB Terms, the Privacy Notice, Applicable Law and any specific notice presented at the time.

20.10 An OHB status, subscription, KYC result, restriction or instruction is determined or supplied by OHB and may affect eligibility independently of eBinaa's own rules. eBinaa may implement the status without disclosing confidential reasons, and neither a prior invitation nor a submitted offer overrides a later restriction.

20.11 Where an affected Company has already submitted an offer, eBinaa may retain the offer for audit and transparency while marking the Company as Currently unavailable for selection or another neutral status approved for the workflow. The Client must not be invited to infer the existence of blacklisting or another confidential OHB determination from that wording.

20.12 The OHB Terms in Annex 1 apply only when the User registers for or uses an OHB Service. Acceptance of these Terms at an OHB transaction point constitutes acceptance of the Annex as incorporated, but does not make OHB a party to a non-OHB Platform transaction or make eBinaa responsible for an OHB decision.

20.13 For each OHB workflow, eBinaa and OHB shall be treated according to their actual roles. OHB ordinarily acts as an independent controller for its KYC, subscription, financing, eligibility, restriction and banking decisions. eBinaa acts as controller for its Platform accounts, security, billing, evidence and independent eligibility decisions, and may act as processor where it handles specified OHB data solely on OHB's documented instructions.

20.14 An OHB status visible to a User shall disclose only the minimum information needed for the workflow. A neutral status such as ‘Currently unavailable for selection’ must not be used to imply or publicly reveal a confidential blacklisting reason. Detailed reasons may be restricted to OHB, eBinaa personnel with a need to know, the affected Company where disclosure is authorised, or a competent authority.

20.15 OHB data exchanges may include identity and KYC status, subscription status, eligibility, invitations, offers, awards, Project references, contractual or payment status, complaints and restrictions, but eBinaa shall not assume that every available category may be used for every purpose. The specific processing, recipients and retention are governed by Annex 2, Annex 4, the OHB terms and any just-in-time notice.

20.16 Where the same data is processed for both an OHB purpose and an independent eBinaa purpose, each purpose, role, access restriction and retention rule shall be separately documented. A request concerning an OHB-controlled decision may be referred to OHB, while eBinaa remains responsible for rights requests concerning processing for which eBinaa is controller.

21. Public profiles, Company content and corrections

21.1 A Company is responsible for Company-supplied descriptions, portfolios, Project records, personnel listings, services, images, documents and marketing claims. Content must be accurate, lawful and supported where requested.

21.2 The Company grants eBinaa a non-exclusive, worldwide, royalty-free licence to host, copy, format, moderate, translate, display, distribute, back up and retain Company content for operating, promoting, securing and evidencing the Platform and its Services. Ownership remains with the lawful owner.

21.3 eBinaa may distinguish official MOCIIP data, Company-supplied data, verified fields, paid assessments and Reviews. A Company must not present self-supplied information as governmental verification.

21.4 eBinaa may correct, annotate, hide or remove content that is inaccurate, unlawful, misleading, unsafe, infringing, outdated or inconsistent with verified information. Material verified-profile changes may remain pending until approved.

21.5 A Company may stop managing its profile, but an active Official Company Directory Record, historical audit data and verified Reviews may remain available where lawful.

21.6 The Company represents, warrants and undertakes that it owns or has obtained all rights, consents and permissions necessary for Company Content and that publication will not infringe intellectual property, confidentiality, privacy, advertising, consumer-protection or other legal rights. eBinaa may request evidence of those rights and may remove or restrict disputed content pending review.

21.7 The licence granted to eBinaa for Company Content is worldwide, non-exclusive and royalty-free and permits hosting, reproduction, formatting, translation, moderation, technical adaptation, communication and display solely for operating, securing, evidencing and promoting the Platform and the relevant Company profile, Service or Project. It survives closure only for lawful archive, evidence, backup and dispute purposes.

21.8 A correction accepted for a current public field does not require eBinaa to erase an accurate historical audit record. eBinaa may keep the earlier value privately or display a lawful change history, provided it does not present obsolete information as current.

22. Acceptable use, compliance and insurance

22.1 Users must act lawfully, honestly and professionally. They must not impersonate another person, submit false documents, manipulate Platform records, scrape or reverse engineer the Platform, bypass access controls, introduce malicious code, interfere with another User, misuse personal data or use the Platform for bribery, fraud, money laundering or unlawful discrimination.

22.2 Companies must maintain all legally required CR activities, licences, permits, classifications, professional personnel and insurance. Project-specific insurance requirements remain governed by the applicable Project Contract and Applicable Law.

22.3 Users must cooperate with reasonable identity, authority, eligibility, fraud, security, complaint and data-protection investigations and preserve relevant evidence.

22.4 Companies are responsible for their employees, engineers, administrators, agents and subcontractors and must ensure that persons using the Company Account comply with these Terms.

22.5 Users must not misuse invitations, confidential bids, Client information, OHB information or access obtained for one Project in connection with another purpose.

22.6 Each Company represents, warrants and undertakes that its Platform activities will comply with all applicable corporate, commercial, professional, licensing, labour, tax, anti-bribery, anti-money-laundering, sanctions, competition, consumer, advertising, intellectual-property, privacy, cybersecurity and health-and-safety requirements relevant to that activity.

22.7 No User shall scrape, harvest, systematically extract or compile Platform data; bypass access, payment, eligibility or security controls; probe or test vulnerabilities without written authorisation; introduce malicious code; interfere with another User; manipulate bids, rankings or Reviews; offer or solicit an improper advantage; or use the Platform to conceal an unlawful arrangement.

22.8 The Company shall maintain policies, supervision and training reasonably appropriate to the access granted to its Company Users. It shall cooperate with a proportionate compliance or security enquiry, preserve relevant records and promptly notify eBinaa of a material licence lapse, fraud concern, data incident or legal restriction affecting Platform participation.

23. Restriction, suspension and termination

23.1 eBinaa may reject, restrict, suspend, delist, deactivate or terminate an account, Company Role, Service, bid, offer, Verification Tag, Badge or other feature where reasonably necessary to protect Users or systems, comply with law or a partner instruction, address non-payment, investigate credible concerns, correct inaccurate information, manage integrity or performance risk, or enforce these Terms.

23.2 eBinaa may act immediately where security, fraud, legal, safety or material integrity risk requires. Otherwise, it will ordinarily provide a reason and an opportunity to request review, unless prohibited by law, a competent authority, OHB or legitimate security or confidentiality requirements.

23.3 A Company whose new participation is restricted may retain the minimum access required to administer a signed Project and preserve records. It may not use that access to obtain new Opportunities or avoid a restriction.

23.4 Termination of Platform access does not terminate a Project Contract, cancel accrued fees or delete records that must be retained. Continuing rights and obligations remain governed by the relevant contract and law.

23.5 A User may request account closure, but closure may be delayed or limited by active Projects, unpaid fees, investigations, disputes, fraud prevention, retention duties or lawful Official Company Directory display.

23.6 Appeals concerning eBinaa restrictions may be sent to info@ebinaa.com with supporting evidence. eBinaa will respond according to the circumstances and may maintain interim restrictions.

23.7 The rights in this Section are protective and contractual remedies and may be exercised separately or together. In deciding scope and duration, eBinaa may consider seriousness, repetition, available evidence, risk to Users, legal obligations, OHB or authority instructions, prior warnings and the feasibility of a narrower restriction.

23.8 Except where immediate action is reasonably necessary, eBinaa will ordinarily provide notice of the relevant concern and a reasonable opportunity to respond or cure. Immediate action may be taken in cases involving suspected fraud, impersonation, cyber risk, unlawful content, risk to safety, payment evasion, loss of eligibility, authority direction, OHB instruction or a credible threat of material harm.

23.9 Restriction or termination does not extinguish accrued payment obligations, accepted confidentiality duties, audit records, non-circumvention obligations, indemnities, dispute rights or any provision intended by its nature to survive. The Company shall not create or use another account to evade a restriction.

23.10 To the extent practicable and lawful, eBinaa may preserve read-only access to records needed for an existing signed Project while blocking new Opportunities, bids, awards or profile changes. Such access is a continuity measure only and does not reinstate eligibility or require eBinaa to continue every discontinued feature.

24. Privacy and personal-data protection

24.1 eBinaa processes personal data in accordance with the Oman Personal Data Protection Law, its Executive Regulation, the applicable Privacy Notice and other Applicable Law. The Privacy Notice identifies processing purposes, data categories, recipients, retention, security, rights and complaint channels and forms part of the Platform framework.

24.2 Users must be informed of relevant processing before it begins. Consent will be requested where required. Where consent is the legal basis, withdrawal does not affect earlier lawful processing or processing permitted or required on another legal basis, but it may prevent continued use of the relevant Service.

24.3 eBinaa may process identity, contact, account, authentication, Company-role, CR, Project, bid, payment, communication, review, device, security and usage data for registration, verification, Company management, service delivery, payment, fraud prevention, support, evidence, legal compliance and improvement.

24.4 Data may be received from the User, MOCIIP, OHB, payment providers, identity services, Project participants, competent authorities and other lawful sources and disclosed to processors and recipients where necessary for the stated purposes.

24.5 The Platform is currently hosted using cloud infrastructure located in Oman, including Oracle Cloud Infrastructure in Oman. eBinaa may use other compliant providers and will implement required safeguards for any cross-border transfer.

24.6 Users may exercise applicable access, correction, updating, objection, transfer, restriction, withdrawal and deletion rights through the channels stated in the Privacy Notice. Rights remain subject to legal exceptions, retention duties, disputes and the distinction between personal data and lawful public Company information.

24.7 eBinaa will apply reasonable technical and organisational measures, maintain processing and access records and respond to reportable incidents as required by law. Users must immediately report a suspected breach involving Platform data.

24.8 Company Users may process personal data obtained through the Platform only for the authorised Company or Project purpose, must restrict access and must not reuse it for unrelated marketing, profiling or sale.

24.9 Each User acknowledges receipt of the Privacy Notice, which explains eBinaa's processing purposes, categories of data, disclosures, retention, security measures and available rights in greater detail. If these Terms and the Privacy Notice appear inconsistent on a personal-data matter, the interpretation that best complies with mandatory data-protection law shall apply.

24.10 The fact that information appears in a public register does not authorise unrestricted reuse. eBinaa shall determine the lawful purpose, proportionality and public-facing fields for its Platform, and Company Users shall not extract personal information obtained through the Platform for unrelated marketing, profiling, resale, harassment or contact outside the legitimate Company or Project purpose.

24.11 A Company may act as an independent controller for personal data it enters, exports or otherwise processes for its own purposes. It is responsible for providing any required notice, identifying a lawful basis, respecting data-subject rights, restricting access and entering any additional data-processing arrangement required for a particular enterprise feature.

24.12 eBinaa may use service providers and sub-processors for hosting, communications, identity, analytics, support, payment and security. Any cross-border transfer or remote access shall be subject to the safeguards and permissions required by Applicable Law. Hosting in Oracle Cloud Infrastructure in Oman does not mean that every support or integrated service is necessarily performed only from Oman.

24.13 The User shall notify eBinaa without undue delay of any suspected unauthorised access, disclosure, loss or misuse of Platform-derived personal data and shall cooperate in containment, investigation and legally required notifications. Nothing in these Terms prevents a data subject from making a complaint to the competent authority.

24.14 Annex 2 is the incorporated eBinaa Privacy Notice. Annex 3 is the incorporated Cookie and Similar Technologies Notice. Annex 4 records the general retention periods and criteria. Annex 5 prescribes the acceptance, acknowledgement and consent controls to be presented at relevant Platform journeys. Together they form part of these Terms, without converting an optional consent into a contractual condition.

24.15 For processing determined by eBinaa, the controller is Binaa Professional Services LLC, CR 1355332, Sultanate of Oman, trading as eBinaa. The designated contact for the eBinaa Personal Data Protection Officer is info@ebinaa.com. The current officer identity and any additional official contact details shall be maintained in the Privacy Centre and communicated as required by Applicable Law.

24.16 eBinaa shall process personal data transparently, honestly, for specified and lawful purposes, and only to the extent adequate, relevant and necessary. It shall maintain an appropriate legal basis or valid explicit consent for each operation, keep evidence where required, and avoid using personal data incompatibly with the notice presented when it was collected.

24.17 Personal-data categories may include identity, account, authentication, contact, Company affiliation, CR and shareholder verification, role and permission, Project, invitation, bid, contract metadata, payment status, subscription, verification, Badge, Review, photograph, communication, call recording, complaint, device, log, security, fraud and usage data. The detailed source-purpose-recipient matrix appears in Annex 2.

24.18 eBinaa shall not intentionally request genetic, biometric, health, racial-origin, sex-life, political, religious, philosophical, criminal-conviction or security-measure data through an ordinary Platform field. Where such data is strictly necessary, eBinaa shall first satisfy any permit, notice, explicit-consent, security and minimisation requirements. A digital-identity provider may process biometric data under its own notice; unless expressly stated, eBinaa receives only an authentication or verification result and not a reusable biometric template.

24.19 The Platform is not directed to children. A person under eighteen must not create an account or conduct a Company transaction. If eBinaa knowingly processes a child's personal data for a lawful Project purpose, it shall require guardian approval and the additional safeguards prescribed by Applicable Law, and shall not use that data for behavioural marketing.

24.20 A call, verification interview or Review interview may be recorded only after an appropriate notice and, where required, explicit consent. The notice shall state the purpose and material recipients. A Review photograph or identifiable image may be published only where the submitting party has the necessary rights and the individuals depicted have been lawfully informed or their identities have been obscured where appropriate.

24.21 Automated matching, scoring, ranking, fraud flags, eligibility filters and recommendations may support Platform decisions. eBinaa shall provide meaningful information about the principal factors where required, allow correction of inaccurate input data, and provide a human review channel for a material adverse decision. An automated output is not a governmental, engineering, financial or legal certification.

24.22 Commercial marketing by email, SMS, telephone or comparable channel requires the written or electronic consent required by law, shall be distinguishable from operational messages and shall include an effective opt-out. Withdrawal of marketing consent does not stop security, transaction, contractual, rights-request or service notices.

24.23 eBinaa shall use processors and subprocessors only under appropriate written obligations addressing confidentiality, security, instructions, assistance, deletion or return and audit or compliance evidence. It shall maintain a current list or categories of material providers in the Privacy Centre and remains responsible to the extent required by Applicable Law.

24.24 Personal data is hosted principally in Oman using Oracle Cloud Infrastructure in Oman. Any access, support, backup or transfer outside Oman shall be evaluated and implemented only with the permission, adequacy, contractual, risk-assessment and explicit-consent controls required by Applicable Law. A User shall be told the material destination, recipient category and purpose before a consent-based transfer.

24.25 eBinaa shall apply role-based access, least privilege, authentication, encryption appropriate to risk, logging, backup, vulnerability management, incident response, personnel confidentiality and vendor controls. No online service can be guaranteed absolutely secure; this statement does not reduce eBinaa's duty to apply legally required and proportionate safeguards.

24.26 Where a personal-data breach creates the applicable level of risk, eBinaa shall assess, contain, document and notify the competent authority and affected data subjects within the periods required by law, including the seventy-two-hour periods currently prescribed by the Executive Regulation where applicable. User or Company incident notices to eBinaa must be made without undue delay and do not replace eBinaa's own assessment and notification duties.

24.27 Rights requests are free of charge unless Applicable Law permits otherwise and may be submitted to info@ebinaa.com. eBinaa may reasonably verify identity and authority, shall separate a personal-data request from a Company-control dispute, and shall decide and respond within the legally applicable period, ordinarily no later than forty-five days under the current Executive Regulation. A refusal or limitation shall be reasoned where required and shall identify the available complaint channel.

24.28 Applicable rights may include information, access, a copy, rectification, updating, blocking or restriction, portability, withdrawal of consent, erasure and notification of qualifying breaches. Rights are subject to lawful exceptions, preservation of third-party rights, legal holds, fraud prevention and necessary contract, authority, audit or dispute records. A public Company record is not erased merely because a natural person requests erasure, but unnecessary personal fields must be assessed separately.

24.29 Personal data shall be retained only for the period necessary for the purpose stated, the periods in Annex 4, mandatory statutory periods, legal claims, audit, fraud prevention, security and documented legal holds. At expiry it shall be securely deleted, anonymised or isolated from ordinary use. Included online access and underlying legal retention are distinct; the expiry of user-facing access does not necessarily require deletion.

24.30 A data subject may complain first to the eBinaa Personal Data Protection Officer and may also complain to the Ministry of Transport, Communications and Information Technology or another competent authority. Nothing in these Terms restricts that statutory right or a non-waivable judicial remedy.

24.31 eBinaa shall maintain processing records, risk assessments, privacy-by-design controls and, where required, impact assessments, breach records and evidence of consent. Changes required by an amendment to Applicable Law may be implemented through an updated Privacy Notice and Platform controls; renewed consent or acceptance shall be obtained where legally required.

25. Intellectual property and confidentiality

25.1 eBinaa and its licensors own the Platform, software, interface, workflows, databases, branding, templates, documentation and non-identifying aggregated analytics. Users receive only a limited, revocable, non-exclusive and non-transferable right to use the Platform for authorised purposes.

25.2 Users must not copy, sell, licence, reverse engineer, decompile, create derivative works from, frame, scrape or commercially exploit the Platform except as expressly permitted by law or written approval.

25.3 Users retain rights in content they lawfully own and warrant that they have authority to upload it. The licence granted under these Terms continues only as necessary to operate, evidence, back up, moderate and lawfully retain the content.

25.4 Non-public Project, Client, Company, OHB, commercial, technical and security information must be kept confidential and disclosed only to authorised persons who need it and are bound by equivalent duties.

25.5 Confidentiality does not apply to information lawfully public, independently developed, already lawfully held or required to be disclosed by law or a competent authority. These duties survive account closure.

25.6 All rights not expressly granted are reserved. No licence to eBinaa's trade name, logo, source code, algorithms, assessment methodology, taxonomy, templates or database rights arises by implication, estoppel or otherwise. A User may refer factually to participation on eBinaa but may not imply sponsorship, partnership or endorsement without written approval.

25.7 If a User provides feedback, suggestions or non-confidential ideas about the Platform, the User grants eBinaa a perpetual, irrevocable, worldwide and royalty-free right to use them without obligation, provided eBinaa does not identify the User publicly as the source without permission. This clause does not transfer ownership of confidential Project documents.

25.8 A recipient of Confidential Information shall apply at least reasonable care, use it only for the authorised Platform or Project purpose and disclose it only to persons with a need to know who are bound by equivalent duties. If compelled to disclose, the recipient shall, where lawful, give prompt notice and disclose only the minimum required.

25.9 Confidential Information includes non-public personal data, civil identifiers, authentication material, bids, pricing, designs, drawings, models, specifications, correspondence, Project records, source data, security information, assessment criteria, investigation material and any information marked confidential or reasonably understood to be confidential from its nature and context.

25.10 Each recipient shall classify and protect Confidential Information according to sensitivity; limit access by role and least privilege; avoid copying or exporting it except where necessary; use secure approved channels and storage; and ensure that its personnel, advisers and subcontractors are bound by duties no less protective than those in this Section.

25.11 Confidential Information may be used solely for the authorised Platform, Company or Project purpose for which it was disclosed. It must not be used to compete unfairly, solicit through unauthorised channels, train an external artificial-intelligence system, create an unrelated database, contact a data subject outside the legitimate workflow, or derive commercial intelligence unrelated to the authorised purpose.

25.12 A recipient that becomes aware of loss, unauthorised access, disclosure, alteration, copying or misuse shall notify eBinaa without undue delay, preserve evidence, take reasonable containment measures and cooperate with investigation and legally required notifications. Notice does not constitute an admission of liability and must not be delayed pending a complete investigation.

25.13 At the end of the authorised purpose or on a lawful request, the recipient shall return, delete or render inaccessible the Confidential Information, except for a copy that must be retained under law, a Project Contract, a documented legal hold or an immutable backup cycle. Any retained copy remains protected and may not be used for another purpose.

25.14 The confidentiality exclusions apply only to the portion the recipient can demonstrate falls within an exclusion. Combining public fragments does not remove confidentiality from a non-public compilation, scoring methodology, security configuration or database structure.

25.15 Unauthorised disclosure may cause harm that is not adequately compensated by money alone. Subject to Applicable Law, eBinaa or the affected disclosing party may seek urgent protective or injunctive relief in addition to damages, restriction, account action and other available remedies.

26. Availability and third-party services

26.1 eBinaa will use reasonable efforts to operate and secure the Platform but does not guarantee uninterrupted, error-free or universally compatible availability. Maintenance, telecommunications, cyber incidents, third-party dependencies and force majeure may affect access.

26.2 Users must keep independent copies of essential documents and maintain compatible devices, lawful software and secure networks. The Platform is not the sole legally required archive unless expressly agreed.

26.3 Payment gateways, digital-identity providers, MOCIIP, OHB, cloud services, mapping tools and other integrations are third-party services. Their availability, decisions and separate terms may affect the Platform, and eBinaa is not responsible for matters outside its reasonable control.

26.4 Automated validation, ranking, alerts, analytics or recommendations may be incomplete or outdated and must be reviewed by an appropriately qualified person before any technical, legal, financial, safety or regulatory decision.

26.5 eBinaa may modify, replace or discontinue a feature for legal, security, operational or commercial reasons, subject to reasonable notice where a material active-service impact can be anticipated.

26.6 The Platform and each feature are provided on an as-available basis, subject to any express service commitment separately agreed in writing. eBinaa may schedule maintenance, apply urgent security changes, impose usage limits or change technical requirements. No historical pattern of availability creates a continuing service-level warranty.

26.7 eBinaa shall not be in breach to the extent performance is prevented or materially delayed by an event beyond its reasonable control, including natural disaster, epidemic, war, civil disturbance, governmental action, telecommunications or cloud failure, cyberattack despite reasonable safeguards, labour disruption, utility failure or unavailability of MOCIIP, OHB or another essential third-party system. eBinaa shall use reasonable efforts to mitigate the effect and resume affected functions.

26.8 Automated, algorithmic or artificial-intelligence-assisted outputs are tools and may contain errors, omissions or outdated assumptions. They must not be relied upon as certified engineering, legal, financial, safety or regulatory advice. The responsible User must apply appropriately qualified human review before using an output for a material decision.

26.9 Links, integrations and third-party materials are provided for convenience or functionality. Their inclusion does not constitute endorsement, and the User may be required to accept separate terms. eBinaa is not responsible for a third party's independent act or omission beyond the extent required by mandatory law or an express written eBinaa commitment.

27. Liability and indemnity

27.1 Each User is responsible for loss, claim, delay, cost or regulatory consequence caused by the User’s breach, negligence, wilful misconduct, fraud, false information, unauthorised instruction, infringement, data misuse or persons for whom the User is responsible.

27.2 To the maximum extent permitted by law, eBinaa is not liable for construction or design defects, professional advice, site safety, title or land matters, participant performance, financing decisions, OHB decisions, payment disputes between Users, loss caused by inaccurate third-party systems, or indirect, consequential or loss-of-profit claims.

27.3 For a Business User, eBinaa’s aggregate liability arising from an affected eBinaa Service will not exceed the Platform Fees actually paid by that Business User to eBinaa for that Service during the twelve months preceding the event giving rise to the claim, except where a limitation is prohibited by law.

27.4 Nothing excludes liability that cannot lawfully be excluded, including liability for fraud, wilful misconduct, eBinaa’s unlawful personal-data processing or mandatory consumer rights.

27.5 A Business User shall indemnify eBinaa against third-party claims, lawfully indemnifiable penalties and reasonable direct costs arising from that Business User’s fraud, material breach, unlawful content, infringement, unauthorised data processing, false authority representation or acts of its Company Users, subject to notice, reasonable defence participation and mitigation.

27.6 No User is required to indemnify eBinaa for eBinaa’s own unlawful conduct, fraud or wilful misconduct.

27.7 The exclusions and limitations in this Section allocate the commercial risks reflected in the Platform Fees and apply to all causes of action, whether in contract, tort, negligence, statutory duty, restitution or otherwise, to the fullest extent permitted by law. They do not enlarge any exclusion contained in a Project Contract or the OHB Terms and do not reduce a mandatory consumer remedy.

27.8 eBinaa shall not be liable for a loss that the affected User could reasonably have avoided by complying with these Terms, maintaining backups, protecting credentials, verifying an important record or promptly acting on a notice. Each party shall take reasonable steps to mitigate recoverable loss and shall not recover more than once for the same harm.

27.9 A Business User's indemnity is a continuing obligation and applies only to the extent the relevant claim or loss was caused by that Business User or a person for whom it is responsible. eBinaa shall give reasonably prompt notice of a third-party claim, permit reasonable participation in the defence and not agree a settlement imposing an admission or non-monetary obligation on the indemnifying party without its consent, not to be unreasonably withheld.

27.10 Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence where such exclusion is prohibited, fraud, fraudulent misrepresentation, wilful misconduct, or any other liability that cannot lawfully be excluded or limited. Any stated cap shall be reduced only by sums paid in respect of the same claim and not by unrelated fees or remedies.

28. Non-circumvention

28.1 A Company must not directly or indirectly avoid, reduce or conceal a Platform Fee by moving an eBinaa-introduced or materially facilitated opportunity, Client, Project or transaction outside the Platform; using another person or Company; changing the contracting structure; understating value; or delaying execution.

28.2 For construction, design and supervision opportunities, attribution continues for twenty-four months and applies to the same Project and Project land. For Development leads, the twelve-month attribution period in Section 14 applies unless the accepted transaction states a longer lawful period.

28.3 If a Company breaches this Section, it shall pay agreed compensation equal to three times the Applicable Platform Fee in total, inclusive of the unpaid Platform Fee, together with reasonable documented enforcement costs, without double recovery and subject to adjustment permitted by Applicable Law.

28.4 Where eBinaa proves loss exceeding the agreed compensation, it may claim the additional proven loss to the extent permitted by law and without double recovery.

28.5 eBinaa may restrict or blacklist the breaching Company from new Opportunities, preserve existing Project access where necessary and pursue mediation, court relief and recovery. Acceptance of the Company provisions constitutes acceptance of this obligation.

28.6 The Company acknowledges that eBinaa invests in sourcing, presenting, matching, documenting and facilitating Opportunities and leads and that the restrictions in this Section are reasonable protections of that legitimate commercial interest. They do not prevent a Company from conducting unrelated business with a person whom it can demonstrate it knew independently and not through eBinaa.

28.7 Upon reasonable request, the Company shall provide sufficient contract-value and transaction evidence to establish whether a Platform Fee is due, subject to appropriate confidentiality protections. eBinaa may rely on Platform introductions, communications, shared land or Project identifiers, substantially similar scopes, connected persons and the timing and structure of an off-Platform transaction.

28.8 The agreed compensation reflects anticipated difficulty in quantifying attribution and enforcement loss and is not intended as a penalty. If a competent court determines that the amount must be reduced or otherwise adjusted, it shall be enforced to the maximum lawful amount consistent with the parties' commercial intention.

28.9 Payment of agreed compensation does not purchase a right to continue circumventing the Platform. eBinaa may also suspend future participation, seek injunctive or conservatory relief, recover a separately proven additional loss without double recovery and exercise any other lawful remedy.

29. Complaints, mediation and disputes

29.1 A User may submit a complaint or appeal to info@ebinaa.com with relevant evidence. eBinaa may refer a Project-performance matter to the party responsible under the Project Contract without assuming responsibility for deciding the underlying construction dispute.

29.2 Consumers retain mandatory complaint and court rights, including access to competent consumer and personal-data authorities. A consumer may agree to mediation after a dispute arises but is not required by these Terms to waive mandatory rights.

29.3 A business dispute arising from a Company Account, Platform Fee, verification, Badge, Review, listing, non-circumvention obligation or other commercial use of eBinaa shall first be discussed in good faith for fifteen Business Days.

29.4 If unresolved, the business parties shall attempt mediation administered by the Oman Commercial Arbitration Centre under its applicable mediation rules. The mediation will take place in Muscat and in Arabic unless the parties agree otherwise. It is confidential and without prejudice.

29.5 Unless otherwise agreed, the parties share the mediator’s fees equally and bear their own costs. If no written settlement is signed within thirty calendar days after appointment of the mediator, either party may bring proceedings before the competent courts of Muscat.

29.6 A mediated settlement becomes binding only when written and signed. Nothing prevents urgent interim or protective relief, statutory complaints or measures needed to preserve evidence or prevent circumvention.

29.7 A dispute arising specifically under the OHB terms follows the dispute process in Annex 1. A dispute arising under a Project Contract follows that contract.

29.8 A complaint must identify the account, transaction or Company concerned, describe the issue in sufficient detail and include reasonably available supporting evidence. eBinaa may request clarification, consolidate related complaints, reject abusive repetition or refer a matter to the party contractually responsible for it. Submission of a complaint does not automatically suspend a payment or restriction.

29.9 The good-faith negotiation period begins when a sufficiently detailed written notice of dispute is received. Each business party shall nominate a representative with authority to negotiate and shall preserve relevant electronic records. Communications expressly made for settlement are without prejudice to the extent recognised by Applicable Law.

29.10 Mediation is a condition to commencing ordinary court proceedings for a business dispute covered by this Section, but not to urgent interim relief, debt-preservation measures, intellectual-property protection, prevention of data misuse or circumvention, enforcement of a signed settlement, or compliance with a limitation period or authority requirement.

29.11 Service of a mediation request or court notice must comply with the applicable procedural rules. A Platform notification alone is not formal service of court process. Nothing in this Section prevents eBinaa from applying an operational restriction while the underlying dispute is being reviewed.

30. General provisions, governing law and language

30.1 These Terms are governed by the laws of the Sultanate of Oman. Subject to Section 29 and mandatory law, the competent courts of Muscat have jurisdiction.

30.2 eBinaa may update these Terms for legal, regulatory, security, operational or Service reasons. Material changes will be notified in advance where reasonably practicable. Renewed acceptance will be requested where required by law or where a material new Company, Service or payment obligation is introduced.

30.3 The eligibility matrix, prices, criteria and transaction particulars displayed and accepted at the relevant action form part of the agreement for that action. A later change does not retrospectively alter a signed Project Contract.

30.4 A User may not assign an account. eBinaa may assign these Terms or use subcontractors as part of a merger, restructuring, business transfer or Service operation, subject to Applicable Law and continuing responsibility where required.

30.5 If a provision is invalid, it will be limited or severed to the minimum extent necessary without affecting the remainder. Delay or failure to exercise a right is not a waiver. No partnership, employment, fiduciary relationship or agency is created merely by Platform use.

30.6 eBinaa will provide at least three years of included online access to Project records from Project completion or closure, subject to account status and law. Continued user-facing archive access beyond that period may be a paid service. eBinaa may retain records longer without charge where required for law, audit, disputes, fraud prevention, OHB obligations or enforcement.

30.7 These Terms are prepared in Arabic and English. If the versions conflict, the Arabic version prevails to the extent permitted by law. Headings are for convenience and do not limit interpretation.

30.8 Formal Platform notices to eBinaa may be sent to info@ebinaa.com. The current Operator contact information will also be published on www.ebinaa.com.

30.9 These Terms, the incorporated Annex, the accepted transaction particulars and any document given express precedence under Section 5 constitute the entire agreement concerning their subject matter and supersede prior platform terms, understandings and representations concerning that same subject matter. A party does not rely on a statement not contained in those documents, except that nothing excludes liability for fraud or fraudulent misrepresentation.

30.10 No third party has a right to enforce these Terms solely by reason of receiving an incidental benefit, except that eBinaa's affiliates, officers, employees and service providers may rely on an express protection granted to them and OHB may rely on provisions expressly stated for its benefit, in each case to the extent permitted by law.

30.11 Provisions concerning fees, payment, audit evidence, intellectual property, confidentiality, personal data, records, restrictions on circumvention, liability, indemnity, complaints, dispute resolution and any accrued right shall survive closure, suspension, termination or replacement of these Terms for so long as necessary to give them effect.

30.12 No amendment, waiver or consent by eBinaa is effective unless recorded through the Platform or issued in writing by an authorised representative. A waiver is limited to the specific circumstance for which it is given. Rights and remedies are cumulative and the exercise of one does not prevent the exercise of another.

30.13 Where a date for performance falls on a day that is not a Business Day, performance is due on the next Business Day unless the relevant obligation concerns security, safety, a payment mandate, a Project Contract or an authority deadline that applies continuously. The Arabic and English texts are intended to express the same legal effect; the Arabic text prevails only to the extent stated in this Section and permitted by Applicable Law.

30.14 The Privacy Notice, Cookie Notice, retention schedule and consent schedule may be updated to reflect law, technology, providers or processing changes. A change shall not retrospectively validate unlawful processing. eBinaa shall give prior notice of a material adverse change where reasonably practicable and obtain renewed explicit consent before commencing processing that legally requires it.

30.15 If an amendment to the Oman Personal Data Protection Law, its Executive Regulation or a binding authority direction enters into force after this version, these Terms shall be interpreted subject to that mandatory requirement. eBinaa shall update its notice, controls and contractual wording within the applicable transition period; no general amendment clause substitutes for a consent, permit, notification or safeguard specifically required by law.