Terms and Conditions of Use

Effective Date: 23 September 2025

1. Introduction

These Terms and Conditions constitute a legally binding agreement between you and us, Breeze Ventures PTE Information Technology Systems Company (provides the services of the brand “Skyro”), being the service provider (“Skyro”, “we,” “us,” “our”), regarding your access to and use of the Website and related services as described below.

By accessing or using the Website, you agree to these Term and Conditions of Use, our Privacy Policy, and any applicable laws and regulations of the Kingdom of Saudi Arabia.

2. Definitions

“Aggregator” refers to the functionality of the Website that compiles and presents publicly available financial product data for informational purposes only. It does not include any advisory, intermediation, or application processing services.

“Content” means all information, materials, text, graphics, images, links, tools, features, and other data made available on the Website, including both static and interactive elements.

“Group and The Company” refers to Breeze Ventures PTE ITS, Skyro and any of its subsidiaries, affiliates, or entities under common ownership or control.

“Personal Data” means any information that relates to an identified or identifiable individual and is subject to the protection requirements of the Saudi Personal Data Protection Law (PDPL), including but not limited to name, email address, IP address, and device information.

“Privacy Policy” refers to the separate document published on the Website that outlines how we collect, use, store, and protect your Personal Data in accordance with applicable laws in the Kingdom of Saudi Arabia.

“Skyro” means Breeze Ventures PTE Information Technology Systems Company, a limited liability company duly incorporated under the laws of the Kingdom of Saudi Arabia, operating the trademark “Skyro” under a granted license, having its registered office at Al Malqa Dist., Anas Ibn Malik, 3888, 13524, Riyadh, Kingdom of Saudi Arabia with Commercial Registration number 1009082620.

“Terms and Conditions of Use” means these terms, including any future amendments or updates, which govern the use of the Website by all Users.

“we”, “us”, “our” refer to Skyro and its authorized representatives.

“Website” means the website operated by Skyro, accessible at skyro.net.

“you”, “your”, “User” means any individual or legal entity who accesses or uses the Website, whether for personal or professional purposes.

3. Nature of Our Services

On the present website Skyro provides the following services:

A. Aggregation of Publicly Available Financial Information

a. Skyro provides users with access to aggregated, publicly available financial product information, such as personal loans, credit cards, and similar offerings. The information is compiled from public sources for the purpose of enabling product comparison and general market awareness.

a. Users are able to view, filter, and sort financial products based on objective criteria, including interest rate, loan term, eligibility, and other publicly disclosed features.

b. By using this service, you acknowledge and agree that:

• We do not act as a financial advisor, agent, broker, or intermediary.

• We do not process or submit applications on behalf of any User or financial institution/bank.

• We do not provide any recommendations or endorsements for specific financial products or providers.

• We do not collect Users’ financial or credit data.

• We do not charge Users any fees for access to the service or information presented.

All decisions regarding financial products are made by users at their own discretion and risk, based solely on their own evaluation, understanding, and judgment.

a. All information made available within the Website is for general informational purposes only and is subject to change. While we strive to ensure the accuracy and currency of the information, its completeness or correctness may be affected if the relevant parties do not share or disclose related updates or changes.

b. It is the sole responsibility of the User to verify all terms, conditions, and eligibility requirements directly with the respective bank/financial institution before relying on the information or initiating any application.

B. Publication of Informational Content

a. Skyro also provides access to a range of educational materials and resources designed to improve Users’ financial awareness.

b. The materials and resources provided on the Website may include:

• Financial guides that explain personal finance concepts, loan types, credit scores, and related topics

• Glossaries and definitions of key financial terms to help users better understand product features and conditions

• Market commentary and insights to inform users of general trends and developments in the financial sector

• Educational tools and content focused on helping users understand financial products, budgeting techniques, and responsible borrowing practices

‌ All content is provided for informational and educational purposes only. It does not constitute financial, legal, or investment advice and should not be relied upon as such.

C. Sending Communication and Marketing Materials

a. Skyro also provides communication and marketing materials to Users who have expressly consented to receive them and have provided their contact information.

b. Communication and Marketing materials can include, but not limited to:

• Updates about the Group activity in the Kingdom of Saudi Arabia and around the world

• Educational materials designed to improve Users’ financial awareness

c. All materials are provided for informational and educational purposes only. They do not constitute financial, legal, or investment advice and should not be relied upon as such.

d. You have the right to withdraw your consent from receiving communication and marketing materials at any time. To opt out of receiving marketing communications or updates, you may:

• Click the “unsubscribe” link included in any marketing email; or

• Contact us directly by email.

D. Publication of Information about Skyro and the Group

a. The Website includes information about Skyro and the Group, including but not limited to background, mission, business activities, operational updates, media coverage, and future plans.

b. The Website also includes feature information about career opportunities and job vacancies at Skyro or within the Group. All of such postings are for informational purposes only and do not constitute a binding offer of employment.

c. Job vacancies published on the Website may be subject to change, withdrawal, or modification at any time without prior notice. Submission of an application does not guarantee selection, hiring, or any form of engagement.

d. Any recruitment-related communications or activities are conducted in accordance with applicable labor and employment regulations in the Kingdom of Saudi Arabia. Users are responsible for ensuring the accuracy of any information submitted through job application channels, and Skyro is not responsible for any reliance placed on unofficial sources or third-party job postings.

e. The Website may also describe tools, technologies, and digital services developed or used by Skyro or the Group. These may include data aggregation technologies, content distribution systems, and analytics tools. All descriptions are provided for informational purposes only and do not imply commercial availability or endorsement unless explicitly stated.

f. Information presented on the Website about Skyro and the Group is for general informational and transparency purposes only. It should not be interpreted as an offer to provide financial services or engage into regulated activities unless explicitly stated.

g. While we strive to keep all corporate, operational, and recruitment information accurate and up to date, we do not guarantee its completeness, timeliness, or accuracy at all times.

4. SAMA License Status

We do not currently hold a license from the Saudi Central Bank (SAMA) to provide financial services or act as a financial intermediary. Until such authorization is granted, this Website does not offer or facilitate any financial services and serves solely as an informational platform.

5. Use of the Website

This Website is intended for use by individuals who are 18 years of age or older. By accessing or using the Website, you confirm that you meet this age requirement and have the legal capacity to enter into these Terms and Conditions of Use.

You agree to use the Website only for lawful purposes.

You may not:

• Attempt to reverse engineering or copy the Website’s Content or software

• Use any Content for commercial purposes without prior written permission

• Misuse the website in any way that disrupts service or harms other users

6. Intellectual Property

All Content, trademarks, graphics, data, and code on the Website are the property of the Company or the Group, unless otherwise stated.

All logos of the financial institutions/banks, their brand names, information, and respective product names appearing on the Website are the property of their respective owners. Their use on the Website is solely for identification, informational, and reference purposes.

7. Third-Party Links and Products

This Website may contain links to third-party websites, including the official websites of banks, financial institutions, or other service providers. These links are provided solely for your convenience and informational purposes.

We do not control, operate, or endorse the content, services, or products available on any third-party website. We do not guarantee the accuracy, availability, or reliability of any content or offerings on such sites.

Accessing or relying on any third-party website is done at your own risk. You are responsible for reviewing the applicable terms of use and privacy policies of any external site you visit.

We shall not be held liable for any loss, damage, or inconvenience arising directly or indirectly from your use of, or reliance on, third-party websites or any content linked to from this Website.

8. Data Protection and Privacy

Your use the Website is subject to our separate Privacy Policy, which outlines:

• What Personal Data we collect

• How we use and protect your Personal Data

• Your rights related to your Personal Data under the Saudi Personal Data Protection Law

We do not collect sensitive Personal Data or financial data.

We also collect essential (technical) and non-essential cookies in accordance with our separate Privacy Policy.

9. Limitation of Liability

To the fullest extent permitted by applicable law, we disclaim all liability for any direct, indirect, incidental, consequential, or special loss or damages of any kind, including but not limited to loss of profits, data, or business interruptions, arising out of or in connection with:

1. Use or reliance on communications or marketing materials sent to Users via email, SMS, or any other communication channel, whether originating from us or third parties.

2. Content published on our website, including but not limited to blogs, third-party contributions, or any other materials, whether created by us or by third parties.

3. Informational or educational content provided on the website, whether generated by us or by third parties, including any inaccuracies, omissions, or outdated information.

4. Reliance on any representations, statements, or suggestions made through the website or by third parties.

5. Technical interruptions, system errors, or unauthorized access that may affect the availability, accuracy, or security of the content, whether caused by us or third parties.

6. Any delay, failure, or inability to access or use the Website or any part thereof, including where such issues result from actions or omissions by third parties.

Users acknowledge and agree that all content, materials, and communications, whether originating from us or from third parties, are provided for general informational purposes only and do not constitute professional, legal, financial, or investment advice. We do not warrant the completeness, accuracy, or reliability of any such materials, and Users assume full responsibility for any decisions made based on them.

It is your responsibility to verify any product terms or conditions directly with the respective bank/financial institution before taking any action.

We make no warranties or representations, express or implied, regarding the availability, reliability, or accuracy of the Website or its content. The Website and all the information are provided without warranty of any kind.

10. Indemnity

You acknowledge and agree to indemnify, defend, and hold harmless the Company, the Group, its partners, directors, officers, employees, from and against any and all losses, damages, liabilities, claims, judgments, settlements, fines, costs, and expenses (including reasonable legal and investigative fees), arising out of or related to:

• Your breach of these Terms and Conditions of Use or the Privacy Policy

• Your misuse of the Website or its services

Any violation of applicable laws or regulations resulting from your actions connected with the use of the Website or any information on it.

This indemnity obligation shall survive your use of the Website and any termination of these Terms.

11. Changes to These Terms

We reserve the right to update or change these Terms and Conditions of Use at any time.

We will notify you of any material changes by posting the updated Terms and Conditions of Use on this Website and, where appropriate, by other means such as email.

Continued use of the Website constitutes your acceptance of the new Term and Conditions of Use.

12. Governing Law

These Terms and Conditions of Use are governed by the laws of the Kingdom of Saudi Arabia. Any disputes shall be resolved exclusively in the competent courts in Riyadh.

13. Contact Us

If you have any questions about these Terms and Conditions of Use or our services, please contact us at:

Breeze Ventures PTE Information Technology Systems Company

CR: 1009082620

Registered Address: Al Malqa Dist., Anas Ibn Malik, 3888, 13524, Riyadh, Kingdom of Saudi Arabia

Email: people@breezeventures.sa