TERMS & CONDITIONS

Gift Vouchers

1. Definitions

• App: JOYA application.
• Voucher: A prepaid digital gift voucher issued through the App.
• Customer: The purchaser of the voucher.
• Beneficiary: The user of the voucher.
• Merchant: Any merchant authorized on JOYA.

2. Scope

These Terms apply to all gift vouchers sold or used through JOYA. Purchasing or using a voucher constitutes full acceptance of these Terms.

3. Purchasing Vouchers

1. Vouchers are sold with predefined or selected values.
2. Full payment is required at purchase using approved payment methods.
3. Vouchers are not cash equivalents.
4. Customers are responsible for providing correct beneficiary details.

4. Voucher Usage

1. Vouchers may be used only with authorized JOYA merchants.
2. Usage is subject to merchant availability.
3. Vouchers cannot be used to purchase other vouchers unless stated otherwise.
4. Any remaining balance must be paid using another payment method.

5. Validity

1. Each voucher has a specified validity period.
2. Expired vouchers are void and non-redeemable.
3. Responsibility for timely use lies with the customer or beneficiary.

6. Liability

JOYA acts solely as a facilitator and is not responsible for merchant products or services. Any disputes must be resolved directly with the merchant.

7. Fraud

JOYA reserves the right to suspend or cancel vouchers in case of suspected fraud or misuse.

8. Compliance

JOYA complies with Saudi Arabian E-Commerce and Consumer Protection laws.

9. Amendments

JOYA may amend these Terms at any time. Continued use constitutes acceptance.

10. Governing Law

These Terms are governed by the laws of the Kingdom of Saudi Arabia, and Saudi courts have exclusive jurisdiction.