Terms & Conditions

These Terms & Conditions (the "Terms") form a binding agreement between you and Manzo Proptech Company ("Manzo", the "Company", "we", "our", or "us"), a Saudi limited liability company registered in the Kingdom of Saudi Arabia under Commercial Registration No. 7041635215 and authorized to provide real estate services under the regulations of the Real Estate General Authority ("REGA").

The Terms govern your access to and use of

• The Manzo website at manzo.com.sa and any subdomain we operate
• The Manzo iOS and Android applications
• All APIs, dashboards, and admin tooling we make available
• Every feature added or replaced from time to time

Together, these are referred to as the "Platform".

By creating an account, listing a property, sending an offer, sending a message, completing a payment, or otherwise using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must stop using the Platform immediately.

For any inquiry concerning these Terms, contact us at [email protected]. For privacy-specific inquiries, contact our Data Protection Officer at [email protected].

In these Terms

• "Listing" means a property advertisement published on the Platform, including its title, description, price, address, coordinates, media, and ad-licence number.
• "Lister" means any user (individual or agency) who publishes a Listing.
• "Renter / Buyer" means any user who browses, sends offers, or otherwise engages with Listings as a prospective tenant or purchaser.
• "Agency" means a real estate brokerage, marketing entity, or development company onboarded under the agency flow, including its team members.
• "Offer" means a structured offer object created via the Platform that contains an offered price, move-in/move-out dates, and (where applicable) a payment and contract.
• "Subscription" means a paid recurring plan granted to a user or agency, whether self-purchased or admin-granted.
• "Featured Listing" or "Boost" means a paid placement that increases the visibility of a Listing.
• "Nafath" means the Saudi national digital identity service operated by Elm.
• "FAL" means the marketing licence number issued by REGA.
• "PDPL" means the Saudi Personal Data Protection Law and its Implementing Regulations.
• "ZATCA" means the Saudi Zakat, Tax and Customs Authority.

To use the Platform you must

• Be at least 18 years old (Hijri or Gregorian, whichever is older)
• Have full legal capacity under Saudi law
• Not be barred from using the Platform under any prior decision by Manzo
• Not be acting on behalf of a sanctioned person or entity under Saudi or applicable international law

If you use the Platform on behalf of a company, brokerage, or other legal entity, you represent that you are duly authorized to bind that entity to these Terms. We may, at any time, request evidence of that authority and suspend the relevant account pending its production.

Manzo is a real estate marketplace and software platform. We connect prospective renters and buyers with Listers — primarily licensed brokerages and individual owners marketing their own property — and provide the tools required to advertise, communicate, transact, and contract.

The Platform's core surfaces include

• Listing creation, editing, drafting, hiding, and deletion
• Property search, filtering, map browsing, and recommendations
• Offers, including offer review, acceptance, payment, and contract handling
• In-app messaging between users and agency teams
• Subscriptions, packages, and Featured Listings (paid placement)
• Agency onboarding, verification, team membership, and roles
• Help Center, support callbacks, and an AI assistant
• Admin tooling used internally by Manzo for moderation, verification, fraud prevention, and reporting

We may add, modify, or remove features at any time. We may run experiments, A/B tests, or limited rollouts. Continued use after such changes constitutes acceptance of them.

Manzo is a software platform. We are not a party to any lease, sale, brokerage, finance, insurance, or escrow contract entered into through the Platform, and we do not represent any user as their agent or fiduciary.

Some Platform features require an account. You may register using

• Email and password (with email verification)
• Phone number with one-time SMS code (delivered via our SMS provider)
• Apple ID
• Google account
• Nafath (for Saudi national / Iqama identity verification)

You are responsible for the security of your account credentials, every action taken from your account, and keeping your details accurate. You must promptly notify us at [email protected] of any suspected unauthorized access.

Identity verification

• Nafath verification is required for users who list property as individual owners and for the authorized representative of any Agency.
• Where Nafath data is collected, we read your name, date of birth, gender, nationality, and national ID from the Nafath response. We do not store the raw Nafath JWT — only a SHA-256 hash for audit purposes.
• We may request additional documentation (title deed, ownership proof, FAL certificate, Commercial Registration certificate) before publishing certain Listings.

We may suspend, hide, or remove any account or Listing pending verification. Verification does not constitute legal due diligence on our part — see § Compliance & Disclaimers.

If you publish a Listing, you confirm and continually represent that

• You own the property or are lawfully authorized to market it
• The Listing is accurate, current, and not duplicative of any other Listing for the same unit
• You hold a valid REGA ad-licence number for the Listing where one is required, and you will remove or update the Listing on or before its expiry
• Pricing, area, address, room count, and amenity claims are not misleading
• All photos, floor plans, and videos belong to you or are used with the rights holder's permission
• You will respond to inbound offers and messages in good faith and within a reasonable time
• You will not solicit users to transact off-platform to evade fees, verification, or our records (see § Restrictions)

Manzo may, at its sole discretion and without prior notice, hide, delist, or remove any Listing that fails to meet these obligations or that triggers a material number of user reports.

Agencies and individual brokers operating on the Platform must additionally meet and continuously maintain the following:

• A valid FAL (marketing licence) number issued by REGA
• A valid Commercial Registration ("CR") certificate
• An authorized representative whose identity is verified through Nafath and whose contact details are kept current
• A physical office location available for compliance checks where required by REGA

Agencies are responsible for the conduct of every team member acting under their account, including agents, admins, and invited members. Granting or revoking team access is the Agency's responsibility — when an individual leaves, the Agency must remove their team membership promptly.

Failure to meet or maintain any of the above may result in suspension of the Agency account, removal of its Listings, loss of any granted Subscription, and reporting to REGA where appropriate.

If you use the Platform as a prospective renter or buyer

• You will provide accurate identity, contact, and (where required) Nafath information
• You will conduct your own due diligence on any property, Lister, or Agency before transacting — including independent inspection, title verification through the Saudi Ministry of Justice, and professional advice where appropriate
• You will not submit Offers in bad faith, repeatedly cancel without cause, or use the Offer flow to harvest seller information
• You acknowledge that Listing accuracy is the Lister's responsibility, not Manzo's

Submitting an Offer is a binding indication of intent to transact on the stated terms, subject to property availability and the Lister's acceptance. Once an Offer is accepted and any associated payment is captured, withdrawing carries the consequences set out in § Payments and § Refunds.

The Platform provides in-app messaging between users, Agency teams, and (where applicable) Manzo support.

You agree that you will not use messaging to

• Solicit transactions outside the Platform in order to evade fees, verification, audit, or our records
• Send unsolicited marketing, spam, or phishing content
• Share illegal, fraudulent, infringing, sexually explicit, hateful, or harassing content
• Share another person's personal data without lawful basis
• Impersonate another individual or entity

We may scan messages for safety, fraud prevention, abuse detection, and product improvement. We do not sell message content. Message storage and retention are described in our Privacy Policy.

The Platform allows users to request, accept, and manage in-person property viewings between Nafath-verified parties.

Booking rules

• Viewing requests may be placed up to 7 days in advance and require at least 3 hours lead time.
• Slots are available daily between 10:00 and 22:00 (Riyadh time), on the hour or half-hour.
• Listers may accept, reject, or ignore a viewing request. Acceptance is a commitment to make the property accessible at the agreed time.

Your obligations

• If you book a viewing, you are expected to attend or cancel with reasonable notice.
• If you accept a viewing as a Lister, you are expected to be present or make the property accessible at the scheduled time.
• Do not use the viewing flow to harvest contact information or to scout properties in bad faith.

Attendance & location

When a viewing is confirmed and within its scheduled time window, the app may request a one-time device location check to record whether you arrived at the property. This is a safety record — not surveillance. We store only a yes/unknown attendance flag and a timestamp; we never store coordinates or location history. Full details are in the Privacy Policy → Viewings & Location Attendance.

Granting location permission is optional. If you decline, attendance stays "unknown" and the viewing proceeds normally. We never request always-on (background) location.

By using the viewing feature you acknowledge that

• Attendance data is processed on the basis of contractual necessity and (where required) your device-level location permission.
• You can revoke location permission at any time in device settings without affecting the viewing itself.
• Manzo is not a party to any agreement formed in the viewing and is not responsible for what occurs at the property.

Paid features on the Platform include — without limitation — Listing publication fees, Subscriptions, Featured Listings (paid placement), and other promotional services we may offer from time to time.

Payment processors

• Card payments (including Mada, Visa, Mastercard, and Apple Pay over card rails) are processed by Moyasar, a SAMA-regulated payment service provider operating in the Kingdom of Saudi Arabia and certified to PCI-DSS.
• In-app purchases on iOS are processed by Apple Inc. through the App Store.
• In-app purchases on Android are processed by Google LLC through Google Play.

We do not store full card numbers or CVV. We hold only the tokens, last four digits, brand, and expiry month/year that our payment processor returns to us, as required to display the saved card to you and to charge or refund a payment.

Pricing, currency, taxes

• Prices are in Saudi Riyals (SAR) unless stated otherwise.
• Prices are inclusive of applicable VAT unless stated otherwise. We will issue ZATCA-compliant tax invoices where required.
• We may change pricing at any time. Changes apply to new transactions and to renewals after the change takes effect.

Featured Listings and visibility boosts

• Paid placement increases the eligibility of a Listing for inclusion in higher-visibility positions.
• We do not guarantee any particular number of impressions, leads, conversations, offers, viewings, or completed transactions resulting from a paid placement.

Subscriptions

• Subscriptions renew automatically at the end of each billing period unless cancelled before renewal.
• Manzo may grant Subscription access, including free trial months and comped months, for promotional, onboarding, or partnership purposes. Granted Subscriptions are revocable.
• Loss of underlying eligibility (for example, an Agency losing its FAL or CR) may result in immediate Subscription cancellation without refund.

All fees paid to Manzo — including but not limited to listing fees, Subscriptions, Featured Listings, packages, and any other paid services — are non-refundable.

We will only process a refund where Saudi law makes a refund mandatory and that obligation cannot lawfully be excluded. Examples of such mandatory refunds include:

• Duplicate charges caused by a payment-processor or platform error
• Charges processed against a payment method without successful service delivery (failed transactions)
• Refunds we are required to issue under a final order from a Saudi court or competent regulator

Refunds, where issued, will be processed via the original payment method within the timeline mandated by the relevant payment regulator or applicable law. Where the payment was processed via Apple Pay or Google Play, refund requests must be initiated through the relevant store under that store's refund rules.

Failure to use a paid service, dissatisfaction with results, change of mind, or termination of an account for breach does not entitle you to a refund.

Users may report Listings or other users for, among other reasons, suspected fraud, misrepresentation, duplicate content, prohibited use, or unsafe behaviour.

When a report is filed, we may

• Hide or remove the Listing pending review
• Restrict the reported account from publishing further Listings
• Request additional documentation from the Lister
• Refer the matter to REGA, the Saudi Ministry of Justice, the Saudi Anti-Cyber Crime authority, or other competent authorities

A Manzo administrator may set the report's status (pending, investigating, resolved, dismissed, property hidden, or property removed), set its severity, record the action taken, and capture admin notes. These records are kept for audit and regulatory reporting.

Filing a report in bad faith — for example to harm a competitor — is itself a breach of these Terms.

You must not, and must not enable any third party to

• Use the Platform if you are under 18, or in any unlawful manner or for any unlawful purpose
• Upload malware, viruses, worms, time bombs, or any other harmful code
• Reverse-engineer, decompile, scrape, harvest, or otherwise extract data from the Platform other than as expressly permitted
• Use bots, automated tools, or non-human means of access without our prior written consent
• Impersonate another person or misrepresent your affiliation with any individual or entity
• Submit listings you do not own or are not authorized to market
• Submit fake, duplicate, misleading, or low-quality listings, or use the Platform to inflate apparent inventory
• Conduct any activity prohibited under the Saudi Anti-Cyber Crime Law, the Anti-Money Laundering Law, the e-Commerce Law, or REGA regulations
• Interfere with the Platform's security, rate limits, or audit functions
• Solicit users to transact off-platform to evade fees or our records
• Use the Platform to harass, defame, threaten, or stalk any individual

A violation may result in: warning, temporary suspension, permanent termination, removal of Listings, forfeiture of Subscriptions or paid features without refund, reporting to authorities, and any further legal remedy available to Manzo.

All intellectual property rights in the Platform — including its software, designs, layouts, copy, logos, the "Manzo" mark, the Manzo three-dimensional logo, animations, and aggregated data — belong exclusively to Manzo or to its licensors. These Terms do not transfer any of those rights to you.

Listing content uploaded by Listers (photographs, descriptions, floor plans, videos):

• Remains owned by the Lister or the rights-holder authorising the Lister
• Is, by uploading, granted to Manzo as a worldwide, royalty-free, sub-licensable licence to host, store, reproduce, watermark, downscale, transcode, display, and distribute the content for the purpose of operating, securing, marketing, and improving the Platform
• Survives the removal of an individual Listing only to the extent necessary to enforce these Terms, comply with the law, defend a claim, or maintain backups

You retain ownership of feedback you send us, but you grant us a perpetual, irrevocable, royalty-free licence to use that feedback in any form without compensation or attribution.

You may not copy, reuse, redistribute, frame, or build derivative products on top of the Platform without our prior written consent.

Arabic typography on the Platform is set in the Thmanyah typeface ("خط ثمانية"), created and owned by Thmanyah, and used under Thmanyah's free usage licence. The Thmanyah name, marks, and font software remain the exclusive property of Thmanyah. Nothing on the Platform grants you any right in that typeface, and you may not extract, redistribute, resell, or modify it. The font files may be obtained only from Thmanyah's official source.

Latin typography on the Platform is set in Plus Jakarta Sans, licensed under the SIL Open Font License, Version 1.1.

All other third-party names, logos, and trademarks referenced on the Platform remain the property of their respective owners.

Use of the Platform is subject to our Privacy Policy, which forms an integral part of these Terms. The Privacy Policy describes — in line with the Saudi Personal Data Protection Law (PDPL) — what personal data we collect, why we collect it, who we share it with, where it is hosted (GCP Dammam, me-central2, by default), how long we retain it, and how you can exercise your rights as a data subject.

We may contact you — including by email, SMS, in-app message, or phone — both for service communications and, on the basis of our legitimate interest, to request feedback, run satisfaction and product surveys, and understand how you discovered Manzo. These are relationship and research communications, not promotional marketing (which we send only with your consent), and you can opt out at any time in app settings or by writing to [email protected].

Personalized recommendations and nearby property alerts are optional features you can disable in the app at any time. They are based on your in-app activity and, only if enabled, your device location.

For privacy-specific requests, contact our Data Protection Officer at [email protected].

The Platform is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, statutory, or otherwise, except those that cannot be excluded under mandatory Saudi law.

To the fullest extent permitted by law, we do not warrant that

• Listings are accurate, complete, lawful, or fit for purpose
• Listers are reachable, responsive, or willing to transact
• Properties are available at the price, term, or terms displayed
• The Platform will be uninterrupted, secure, error-free, or free of malicious code
• Search, recommendation, or AI-assistant outputs are accurate or appropriate for any specific use
• Communication between users will be successfully delivered or read

Manzo is not a real estate broker, agent, escrow agent, lender, or fiduciary. We do not represent any party in any transaction. We do not independently verify ownership of every property beyond the documentation submitted to us. Every user is responsible for conducting their own due diligence — including, where appropriate, independent inspection, title verification through the Saudi Ministry of Justice, and professional legal, tax, or financial advice.

To the maximum extent permitted by Saudi law

Excluded losses. Manzo shall not be liable for any of the following, whether arising in contract, tort, statute, or otherwise, even if we have been advised of their possibility:

• Indirect, special, incidental, consequential, exemplary, or punitive damages
• Loss of profit, revenue, business, goodwill, opportunity, anticipated savings, or reputation
• Loss or corruption of data
• Acts or omissions of any user, Lister, Agency, payment processor, identity provider, government authority, or other third party
• Transactions concluded outside the Platform or after a user has been put in contact through the Platform
• Downtime, latency, outages, scheduled maintenance, or any failure caused by infrastructure, telecommunications, or events beyond our reasonable control

Aggregate liability cap. Manzo's total aggregate liability to any user, in respect of any and all claims arising out of or in connection with the Platform during any twelve (12) month period, shall not exceed the greater of:

• The fees actually paid by that user to Manzo during the twelve (12) months immediately preceding the event giving rise to the claim; or
• One thousand Saudi Riyals (SAR 1,000).

Mandatory law. Nothing in this section excludes or limits any liability that cannot be excluded or limited under mandatory Saudi law (including liability for fraud, gross negligence, or wilful misconduct). To the extent any limitation in this section is held unenforceable, it shall be interpreted as limiting Manzo's liability to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless Manzo, its officers, directors, employees, agents, and licensors from and against any claim, demand, fine, loss, liability, cost, or expense (including reasonable legal fees) arising out of or related to:

• Your use of, or inability to use, the Platform
• Any Listing, Offer, message, or other content you submit
• Any breach of these Terms by you
• Any violation by you of any law or of any third-party right (including intellectual property, privacy, and contractual rights)
• Any tax obligation, including ZATCA assessments, arising from your activity on the Platform

By you: You may close your account at any time from in-app settings or by writing to [email protected]. Closure begins a 60-day grace period during which the request can be cancelled (see Privacy Policy → Account Deletion).

By us: We may suspend or terminate your account, hide or remove any Listing, and disable any access — at any time, with or without prior notice — if we reasonably believe you have breached these Terms or applicable law, presented a risk to other users or to Manzo, or where required by a competent authority.

Effect of termination: Sections that by their nature should survive termination — including § Refunds, § Intellectual Property, § Disclaimers, § Limitation of Liability, § Indemnification, § Governing Law & Disputes, and § Final Provisions — survive.

Manzo is not liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, war, civil unrest, governmental orders, regulatory changes, embargoes, strikes, telecommunications or internet failures, cloud-provider outages (including Google Cloud), pandemics, or natural disasters.

We may update these Terms from time to time. The latest version is the version published on manzo.com.sa, dated by the "Updated" pill at the top of this page.

Where a change is material — for example, a change to the liability cap, dispute resolution mechanism, or paid-services pricing structure — we will give reasonable notice by email, in-app notice, or both, before the change takes effect. Continued use of the Platform after a change becomes effective constitutes acceptance.

If you do not accept a material change, your remedy is to stop using the Platform and close your account; the change will not apply to events occurring before its effective date.

Governing law. These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the laws and regulations of the Kingdom of Saudi Arabia.

Step 1 — Direct contact. Before initiating any formal proceedings, you agree to first contact us at [email protected] with a clear description of the dispute. We will respond on Saudi business days and attempt to resolve the matter in good faith.

Step 2 — REGA mediation. Where the dispute relates to real estate brokerage, listing accuracy, agency conduct, or any matter falling within the jurisdiction of the Real Estate General Authority, the parties shall first refer the dispute to REGA's mediation channels in accordance with the Real Estate Brokerage Law and its Implementing Regulations.

Step 3 — Saudi Commercial Courts. If REGA mediation does not resolve the dispute, or if the matter falls outside REGA's jurisdiction, the dispute shall be referred to the competent Commercial Courts of the Kingdom of Saudi Arabia, which shall have exclusive jurisdiction. Where applicable, complaints concerning commercial conduct may also be filed with the Saudi Ministry of Commerce.

Class actions. To the extent permitted by Saudi law, all disputes shall be resolved on an individual basis and not as part of any class, consolidated, or representative action.

Entire agreement. These Terms, together with the Privacy Policy and any product-specific terms we make available, constitute the entire agreement between you and Manzo concerning the Platform and supersede any prior agreement on the same subject matter.

Severability. If any provision of these Terms is held invalid or unenforceable by a competent court, that provision shall be enforced to the maximum extent permitted by law, and the remainder of the Terms shall remain in full force and effect.

No waiver. Our failure or delay in exercising any right under these Terms is not a waiver of that right.

Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms, in whole or in part, to any affiliate or to a successor in connection with a merger, acquisition, financing, restructuring, or sale of assets.

Third-party rights. No person other than you and Manzo has any right to enforce these Terms.

Notices. We may give you notice by email, in-app message, or by posting on the Platform. Notices to Manzo must be sent to [email protected].

Language. These Terms are made available in Arabic and English. Where there is a conflict between the two versions, the Arabic version prevails for the purpose of interpretation under Saudi law.