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Terms & Conditions

• Discounts, offers, and benefits are provided solely at the discretion of the participating merchant. The Bank does not guarantee the availability, continuity, or quality
• of any discount or offer.
• The Bank shall not be held responsible for any refusal, withdrawal, or modification of discounts by merchants. Customers agree that the Bank is not liable to provide
• compensation, reimbursement, or credit in lieu of any discount not honored by a merchant.
• Discounts are offered directly by merchants. The Bank is not an agent, representative, or guarantor of the merchants, their products, or services.
• Discounts may be subject to merchant specific terms, conditions, exclusions, or validity periods. Customers are advised to confirm details with the merchant prior to
• making a purchase.
• Any complaints, claims, or disputes regarding merchant discounts, merchant products, or merchant services must be addressed directly with the merchant. The Bank will not intervene or mediate such matters.
• The Bank reserves the right to amend, suspend, or terminate the discount program or participating merchants at any time without prior notice.
• Discounts are applicable only when payment is made using the Al Baraka Debit Card at participating merchants, subject to merchant acceptance and provision
• of the associated discount.