Terms and conditions

Definitions and Acceptance

Welcome to Tasheel Financial Solutions. By accessing and using our services, you agree to be bound by these Terms and Conditions:

• Accessing these Terms and Conditions and using any of the applications of Tasheel Financial Solutions ('Tasheel') constitutes a legally binding agreement between you and Tasheel Financial Solutions regarding all aspects of services provided by Tasheel and/or your use of the platform at https://tasheelfs.om, as well as any other media form, channel, website, or mobile application related to Tasheel.
• By continuing to use any Tasheel application, you confirm that you have read and understood these Terms and Conditions in full and agree to comply with them. Please review them periodically for updates.
• If you do not agree to these Terms and Conditions, you may not use Tasheel services. If you use Tasheel applications on behalf of an external party, such as a business entity, you represent and warrant that you are authorized to bind that entity to these Terms.
• Tasheel strives to provide secure, reliable services, but your use of Tasheel applications must be entirely responsible. You alone are responsible for maintaining the credentials to your account and must never share account details with others.
• If you provide incorrect or misleading information while using Tasheel applications, Tasheel reserves the right to cancel your account and refuse future access to its platform.
• Tasheel purchases services from approved partners and resells them to the beneficiary customer under flexible installment terms.

Amendments and Updates

• Tasheel reserves the right to amend these Terms and Conditions from time to time and will publish any modifications on its official website. You are expected to check regularly for changes.
• These Terms and their updates apply to all new customers joining Tasheel applications, upon renewal of use of services after updates are published, and to existing customers upon their acceptance. Acceptance constitutes a binding legal agreement between you and Tasheel.

Customer Support and Communications

• If you have inquiries, complaints, or need technical support, please contact the Tasheel support team via the channels available on official Tasheel applications or via email at [email protected] and phone at +968 9983 7147.
• Tasheel aims to provide excellent, effective services meeting your travel financing needs and values your choice of our services.

Relationship with Partner Merchants

• In this contract, 'Company' or 'Merchant' refers to travel and tourism agencies, airlines, and booking platforms collaborating with Tasheel.
• The Company delivering travel services is not a party to this financing agreement. Tasheel contracts with the Company under terms and conditions completely independent of this agreement.

Preamble and Defined Terms

The terms and phrases used in these Terms and Conditions have the following designated meanings:

• Customer: Any user of Tasheel services, whether acting in a personal capacity or on behalf of an institutional or commercial entity.
• Tasheel: Tasheel Financial Solutions LLC, including affiliated entities and personnel.
• Company / Merchant: Travel and tourism offices, airlines, accommodation providers, and tour booking platforms.
• Purchase Order: An application submitted by the Customer through Tasheel apps or points of sale to purchase travel services.
• Tasheel Payment Service: Flexible installment payment arrangements provided by Tasheel enabling customer bookings.
• Tasheel Account: The profile created by the Customer on Tasheel applications governed by these Terms.
• Refund / Chargeback: Reimbursement in case of a resolved dispute regarding an approved transaction.
• Dispute: Any refund request, claim, or counterclaim raised by the customer directed to the Merchant regarding travel services.
• Force Majeure: Any act of God, natural disaster (fire, flood, earthquake), government order, sovereign regulation, war, civil commotion, strike, or event beyond reasonable control.
• Applicable Law: The laws, regulations, and circulars enforceable in the Sultanate of Oman under the jurisdiction of the Central Bank of Oman.

Eligibility and Legal Capacity

• Your use of Tasheel services constitutes your confirmation that you possess full legal and Sharia capacity to enter into this agreement and that you are at least 18 years of age.
• If you register on behalf of an employer or legal entity, you confirm that you hold all necessary power and authority to bind your entity.
• Clicking to accept these Terms constitutes an electronic agreement executed in accordance with Omani Electronic Transactions Law.

Accounts and Registration

• Account registration requires providing accurate personal data (full name, address, email, phone number, age, national ID). You commit to providing truthful information and keeping it updated.
• You bear full responsibility for all activities occurring under your account and agree to keep your credentials confidential.
• If your password is lost or unauthorized access is suspected, notify Tasheel immediately. You remain liable for activities until such notice is given.
• Accounts may not be transferred. Tasheel reserves the right to suspend or restrict access if information is suspected to be false, inaccurate, or outdated.
• Tasheel may request additional identity or financial verification documents at its sole discretion.

Services & Sharia Financing

• Tasheel applications display and sell travel and tourism packages, tickets, and bookings from partner agencies, enabling customers to divide bill amounts into easy, interest-free installments or Qard Hasan financing.
• Partner companies deliver travel packages directly to customers under their independent service warranties and terms, while Tasheel facilitates the financing plan.

Electronic Communications

• By registering an account, you consent to electronic communications from Tasheel via email, SMS, and in-app notices. These communications satisfy any legal writing requirements.
• You agree to promptly notify Tasheel of any update to your email address or mobile phone number.
• You may opt out of promotional messages through the unsubscribe link, while operational and service notices remain mandatory.

Intellectual Property & Trademarks

• All platform content—including text, graphics, logos, icons, images, audio, downloads, and software—is protected by copyright, trademark, and intellectual property laws and belongs to Tasheel or its licensors.
• Customers are strictly prohibited from copying, reverse-engineering, modifying, republishing, indexing, scraping, or exploiting any part of Tasheel services without express prior written permission.

Payments, Automatic Deduction, and Late Delay Contribution

• Creating an account enables you to apply for Tasheel installment payment options. The repayment schedule is confirmed and binding upon purchase.
• Late Delay Donation to Charity: If the customer fails to pay an installment by its due date, the customer commits to donate 1% of the overdue installment for each day of delay. These funds do not belong to Tasheel and are strictly directed to charitable causes under the direct supervision of the Sharia Supervisory Board. The customer expressly agrees to this Sharia-compliant late donation mechanism.
• Electronic Payments: Tasheel provides electronic payment methods through certified payment processors. Tasheel does not store sensitive cardholder payment credentials.
• Customer Balance Commitment: The customer commits to ensuring sufficient funds are available on the linked payment card or bank account on scheduled due dates.
• Automatic Charge Authorization: The customer grants Tasheel authorization to automatically charge the scheduled installment amount from the linked payment card on the due date until the balance is fully paid.
• Mala'a Credit Information: The customer expressly authorizes Tasheel to verify their credit history, retrieve credit reports from the Oman Credit and Financial Information Centre (Mala'a), and share payment performance data with Mala'a in compliance with Omani regulations.
• AML Compliance: The customer confirms they are the ultimate beneficial owner and will not use Tasheel services for money laundering or suspicious financial activities.

Refunds and Disputes

• In the event of a dispute regarding the quality or execution of travel services, the customer agrees that the refund claim shall be directed to the travel provider (Merchant/Company).
• Tasheel may assist in facilitating communication between the Customer and the Merchant, but does not assume the travel provider's warranties or performance obligations.

Confidentiality and Privacy

• Tasheel exercises reasonable professional standards to safeguard customer information in accordance with Omani credit information regulations and banking directives.
• Customer authorizes Tasheel to process identity and financial data and disclose it to regulatory bodies (Central Bank of Oman, Mala'a) or essential service partners bound by data processing covenants.

Limitation of Liability & Indemnification

• Tasheel acts as the financing facilitator and relies on licensed third-party travel companies for service fulfillment. Any claims for service deficiency, delays, cancellations, or damages must be raised directly against the travel provider.
• Tasheel shall not be liable for indirect, punitive, consequential damages, or disruptions caused by Force Majeure events.
• The Customer agrees to indemnify and hold harmless Tasheel, its directors, and employees from any claims or liabilities arising from the Customer's breach of these Terms or applicable laws.

Governing Law and Jurisdiction

• These Terms and Conditions are governed by and construed in accordance with the laws and regulations of the Sultanate of Oman.
• All disputes arising from or related to this agreement shall be subject to the exclusive jurisdiction of the competent courts of the Sultanate of Oman.
• In case of any discrepancy or conflict between the Arabic text and the English translation, the Arabic text shall prevail.

Severability and Termination

• If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
• This agreement remains effective from the date of your acceptance until terminated. Account closure requires settling all outstanding payment obligations owed to Tasheel.