Terms & Conditions

This English version is provided for convenience. If there is any inconsistency between the Arabic and English versions, the Arabic version prevails.

Welcome to pf41. These Terms & Conditions govern your use of the website and its services. Please read them carefully, together with the Privacy Policy and the Financial Disclaimer, which form an integral part of these terms.

1. About pf41 and its services

Pf41 is an online platform that presents financial market data and digital analytics. Depending on your plan and availability, its services include:

• Prices and data for Saudi and US stocks, crypto assets, indices, metals and energy.
• Radars, technical indicators, filters, scores and charts.
• Watchlists, alerts and notifications on the site and by email.
• Sharia classifications taken from the lists published by classification bodies, which are not a fatwa from Pf41.
• Member accounts, plans, subscriptions, and the points and referral program.

2. Acceptance of the terms

By using the website or creating an account, you confirm that you have read and agree to these terms. If you do not agree, please do not use the website.

3. Eligibility

You must be of legal age and have the legal capacity to enter into contracts under the laws in force in the Kingdom of Gluf. If you use the platform on behalf of an organization, you confirm that you are authorized to do so.

4. Creating an account and protecting your login details

• Creating an account requires your name, email address, mobile number and a password, and email verification is required for certain services such as payment and points transfers.
• You agree to provide accurate, up-to-date information and to update it on your Profile page when it changes.
• You are responsible for keeping your password confidential and not sharing it, and for notifying us immediately if you suspect any unauthorized use of your account.
• A person may not create more than one account in order to unlawfully benefit from rewards, referrals or offers.

5. Responsibility for activity on your account

You are responsible for all activity carried out through your account, including subscriptions and the use and transfer of points, unless it is shown that the activity took place without any fault on your part after you had notified us of the unauthorized use.

6. Free and paid plans

• Pf41 offers a free plan and paid plans. The available plans, their features and prices are shown on the Pricing page.
• Features may differ between plans, and each plan’s usage limits apply as shown on the website.

7. Subscriptions: term, activation and expiry

• Term: a paid subscription lasts one month from activation, unless expressly stated otherwise at the time of purchase.
• Activation: a subscription is activated once the payment succeeds and is verified with the payment provider — not merely by reaching the payment result page. For bank transfer payments (where available), it is activated after the receipt is reviewed and receipt of the funds is confirmed.
• Expiry: when a paid subscription ends, the account automatically returns to the free plan, and we may notify you of this by email.

8. Renewal, upgrades and cancellation

• There is no automatic renewal and no recurring charge. Renewal happens only on your initiative through a new payment, and we do not keep your card details to charge you later.
• Renewing the same plan: if you renew the same plan before it ends, the new term is added to the current end date, so you do not lose your remaining days.
• Switching to another plan: when you subscribe to a different plan, the new plan’s term starts from its activation date, and the remaining term of the previous plan is not carried over.
• Cancellation: since there is no automatic renewal, you do not need to do anything to stop a renewal; the subscription ends on its end date. To request the termination of an active subscription or to ask about a refund, contact us using the channels in section 25.

9. Prices and online payment

• Prices are shown in Saudi riyals, and the amount due — after any discount or points used — is shown to you before you complete the payment.
• Online payments are processed by our payment provider Moyasar when the payment gateway is enabled, using mada, Visa and Mastercard cards, and Apple Pay when available.
• Card details are entered in the payment provider’s own form and processed directly by them; card details are not stored on Pf41’s servers.
• The amount shown before you confirm the payment is the amount due, and Pf41 adds no other fees to it. If any tax or fees apply in the future, they will be shown clearly before payment.
• We may change plan prices in the future; no change applies to a subscription paid for before the change.

10. Failed payments

If a payment fails, is cancelled or cannot be verified, the subscription is not activated and any points reserved for that payment are returned to your balance. If the amount was deducted from your bank account without the subscription being activated, contact us so we can review the transaction with the payment provider.

11. Refunds

• Refund requests are submitted through the contact channels in section 25 and are reviewed under these terms and the laws in force in the Kingdom.
• Refunds are made through the payment provider to the original payment method, and the time it takes for them to appear in your account is determined by the card issuer or bank.
• When a payment is refunded, in full or in part:
  • The points you used in that payment are returned to your balance in proportion to the refunded amount, with their original expiry date.
  • Referral rewards generated by that payment are withdrawn in the same proportion; if they have already been used, the difference is recorded as owed and recovered from points added later.
  • The refund may end or modify the related paid subscription.
• Nothing above affects consumer rights under the laws in force in the Kingdom of Gluf, including the E-Commerce Law.

12. Points and rewards

• Nature of points: points are a promotional feature within the platform. They are not money or a financial instrument, cannot be cashed out, withdrawn or sold, and can only be used as the platform allows.
• Earning points: welcome points may be granted at sign-up, along with referral rewards and any other rewards the platform announces. The current values and conditions are shown on the My Points page and on the payment page.
• Using points: points can be used to discount part or all of a subscription price, at the conversion rate and minimum shown at checkout. Points are reserved temporarily during payment and return to your balance if the payment fails, is cancelled or the reservation expires.
• Expiry: each batch of points has its own expiry date, shown on the My Points page, and we may send you reminders before they expire. The soonest-expiring points are used first, and unused points lapse once they expire.
• Closing your account: when an account is deleted, its remaining points balance lapses.

13. Referrals

• Every member gets a personal referral link. A referrer is recorded once, when a new member signs up through the link, and cannot be changed later; self-referrals are not accepted.
• Referral rewards are granted only after a successful, verified cash payment by the referred member, and are not granted for subscriptions paid entirely with points. Rewards may extend to a limited number of referral levels, according to the values shown on the My Points page.

14. Transferring points between members

• Transferable points can be sent to another member after you verify your email, by identifying the recipient by email, member ID or mobile number and reviewing their summary details before confirming.
• Welcome points cannot be transferred, and transferred points keep their original expiry date.
• Transfers are subject to limits on number and amount to protect members. Check the recipient carefully before confirming, as it may not be possible to reverse a transfer once completed.

15. Our right to change the points program

We may change the values or conditions of the points and referral program, or suspend it temporarily or permanently, announcing this on the website and respecting members’ legal rights as far as possible regarding points earned before the change.

16. Fraud and abuse prevention

The platform monitors patterns that may indicate abuse, such as multiple accounts, self-referrals, suspicious transfers or manipulation of payments and refunds. Where fraud or abuse is established, or where there is reasonable suspicion requiring verification, we may:

• cancel or suspend points or rewards obtained improperly;
• refuse any transfer or use of points;
• suspend or terminate the account in accordance with section 20.

17. Acceptable and prohibited use

In particular, you may not:

• use the platform for any purpose that breaches the law or these terms;
• copy, automatically extract (scrape), republish, sell or make available to others any data or content without written permission;
• attempt unauthorized access to our systems or other people’s accounts, or disrupt or overload the service;
• share, sell or rent your account, or share the features of paid plans with others;
• impersonate anyone or provide misleading information.

18. Intellectual property

All rights in the platform, its design, logo, name, software, analytics, indicators and original content are owned by or licensed to Pf41. You are granted a personal, limited, non-exclusive, non-transferable license to use the platform for your personal purposes under these terms. Rights in data derived from third parties remain with their owners.

19. Data from external providers and sources

• The platform relies on data and information from external data providers and sources; the source of each type is shown on the Data Sources page.
• Some market data may be delayed relative to real time, and this is indicated wherever possible.
• Third-party data may be interrupted, delayed, inconsistent or erroneous for reasons beyond our control.
• We do not guarantee that every feature or data source will continue indefinitely, and we may develop or change the platform’s features and plans or replace data sources, while respecting users’ legal rights, especially regarding an active paid subscription.

20. Account suspension and termination

We may suspend or terminate an account, wholly or partly, for breach of these terms, fraud or abuse, or at the request of a competent authority. We will notify you unless prevented by law or a reasonable security consideration. You may object through the contact channels below.

21. Financial and investment disclosure

Pf41 is a digital information and analytics platform. It is not a broker, a portfolio manager or an investment adviser, and it does not buy or sell anything on your behalf, unless a licensed service is expressly announced otherwise in the future.

The information, figures, indicators, radars, scores, alerts, filters and analytics shown on the platform:

• are for information and analysis purposes only;
• are not personal financial or investment advice;
• are not an invitation or an offer to buy or sell any asset or security;
• do not guarantee profits or future results — past performance is not indicative of future performance;
• may rely on external data, some of which may be delayed;
• may contain errors, interruptions or discrepancies originating from third-party data.

You should verify information and make your own decisions based on your circumstances, objectives and risk tolerance, and consult a licensed adviser where needed. Trading and investing involve risks that may result in the loss of capital. For more, see the Financial Disclaimer.

22. Limitation of liability

We exercise reasonable care in operating the platform and presenting data. To the extent permitted by the laws in force in the Kingdom of Gluf, we are not liable for losses resulting from investment or trading decisions you make based on the platform’s content, or for errors, delays or interruptions in third-party data beyond our control. Nothing in these terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited, or to waive any consumer right established by law.

23. Changes to these terms

We may update these terms from time to time. We will publish the updated version on this page with the date of the last update, and we will notify you of material changes through the website or by email. Continuing to use the platform after a change takes effect means you accept it.

24. Governing law

These terms are governed by and interpreted in accordance with the laws in force in the Kingdom of Gluf, and the competent judicial authorities in the Kingdom have jurisdiction over any dispute arising from them.

25. Contact and complaints

For any question, complaint or request about your account, subscription or a refund:

• Email: info@pf41.com
• Registered members: Support Requests in your account.

We will aim to respond within a reasonable time. You may also file a complaint with the competent authorities under the applicable laws.