Terms & Conditions

Acceptance of terms

By downloading, installing, registering for, or using the KeyU application or any KeyU services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy.

If you do not agree to these Terms, do not use the Services. These Terms constitute a legally binding agreement between you and uTrust Company ("uTrust", "we", "us" or "our").

We may update these Terms from time to time. Material changes will be notified through the application or by other appropriate means. Continued use of the Services after updates constitutes acceptance of the revised Terms.

Description of services

KeyU is a secure digital identity verification service that enables you to:

• Verify your identity using government-issued identity documents and biometric checks.
• Create and manage a verified digital identity credential on your enrolled device.
• Respond to authentication requests from participating organizations.
• Share verification results with organizations you choose to interact with.

The Services are designed to allow individuals to verify their identity remotely and securely. KeyU does not store your biometric templates on our servers — they remain encrypted on your enrolled device.

Service availability

We aim to provide reliable and continuous access to the Services, but do not guarantee uninterrupted availability. We may suspend, modify, or discontinue any part of the Services at any time, with reasonable notice where practicable.

Eligibility and account registration

Eligibility

To use KeyU, you must:

• Be of legal age in your jurisdiction, or have appropriate parental or guardian authorization.
• Have a valid government-issued identity document supported by KeyU.
• Have a compatible mobile device meeting minimum technical requirements.
• Comply with all applicable laws in your jurisdiction.

Account registration

You must provide accurate, complete and up-to-date information during registration. You are responsible for maintaining the security of your device, your KeyU PIN, and your account credentials.

You may only register one account per identity. Creating duplicate, false or fraudulent accounts is prohibited and may result in immediate termination of your account.

Account security

You are responsible for all activity that occurs through your KeyU account. Notify us immediately at info@utrust.sa if you suspect unauthorized access to your account or device.

Acceptable use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

• Use the Services to impersonate another person or submit false identity information.
• Attempt to bypass, disable, or circumvent any security or verification mechanism.
• Use the Services for any fraudulent, deceptive or illegal purpose.
• Reverse-engineer, decompile, disassemble or attempt to extract the source code of KeyU.
• Interfere with or disrupt the operation of the Services or servers and networks connected to the Services.
• Use automated tools, bots or scripts to access or interact with the Services.
• Transfer your account or share your credentials with any other person.
• Use the Services in any way that could damage, overburden, or impair uTrust's systems.

Violation of these restrictions may result in immediate suspension or termination of your account and may subject you to legal liability.

Identity verification and accuracy

You represent and warrant that all information and documents you submit during identity verification are genuine, accurate, current and belong to you. Submitting false, altered or fraudulent documents is a serious violation of these Terms and may constitute a criminal offense.

KeyU uses automated verification technology. Verification results are determined algorithmically and may, in some cases, produce errors. An unsuccessful result does not constitute a finding of fraud — it may be caused by document compatibility, image quality, lighting conditions or technical factors.

If you believe a verification result is incorrect, contact our support team at info@utrust.sa.

Authentication requests

Participating organizations may send you authentication requests through KeyU. Before approving any request, you should:

• Verify that you recognize the requesting organization.
• Confirm that you initiated the activity or transaction being authenticated.
• Review the information displayed in the request.
• Reject the request if anything appears incorrect or suspicious.

You are solely responsible for approving or rejecting authentication requests. uTrust is not liable for any consequences resulting from your approval of a request you did not initiate or verify.

Intellectual property

All intellectual property rights in the KeyU application, Services, technology, content and associated materials are owned by uTrust or its licensors. These Terms do not grant you any rights to uTrust's intellectual property other than a limited, non-exclusive, non-transferable, revocable license to use the Services for personal purposes in accordance with these Terms.

You may not use uTrust's trademarks, logos, brand names or other proprietary materials without our prior written consent.

Privacy and data protection

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use and protect your personal data.

By using the Services, you consent to the collection and use of your information as described in our Privacy Policy. If you do not agree with our Privacy Policy, do not use the Services.

Third-party services and organizations

KeyU enables you to authenticate with participating organizations. These organizations have their own terms of service and privacy policies, which govern their relationship with you. uTrust is not responsible for the actions, content or policies of participating organizations.

KeyU may use third-party technology providers to deliver the Services, including verification and infrastructure providers. These providers are subject to contractual obligations to protect your data.

Disclaimer of warranties

The Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

uTrust does not warrant that:

• The Services will be available, uninterrupted, error-free or free of harmful components.
• Any verification result will be accurate, complete or suitable for any particular purpose.
• Defects will be corrected.
• The Services or the servers delivering them are free of viruses or other harmful components.

Limitation of liability

To the maximum extent permitted by applicable law, uTrust and its affiliates, directors, officers, employees, agents and licensors shall not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages arising out of or in connection with your use of the Services.

In no event shall uTrust's total liability to you for all claims arising out of or in connection with the Services exceed the amount, if any, you have paid to uTrust in the twelve months preceding the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence or fraud.

Termination

Termination by you

You may stop using the Services and delete your KeyU account at any time through the application. Deletion removes your account and associated data in accordance with our Privacy Policy.

Termination by uTrust

We may suspend or terminate your access to the Services at any time, with or without notice, if:

• You violate any provision of these Terms.
• We reasonably suspect fraudulent activity or misuse of the Services.
• We are required to do so by applicable law or regulatory requirement.
• We discontinue the Services.

Effect of termination

Upon termination, your right to use the Services ceases immediately. Provisions of these Terms that by their nature should survive termination will remain in effect, including intellectual property rights, disclaimers, limitations of liability, and dispute resolution.

Changes to the services

We reserve the right to modify, suspend or discontinue the Services, or any feature or part of the Services, at any time with reasonable notice. We will not be liable to you or any third party for any modification, suspension or discontinuation of the Services.

Governing law and dispute resolution

These Terms are governed by the laws of the Kingdom of Saudi Arabia. Any dispute arising out of or in connection with these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of Riyadh, Saudi Arabia.

Before initiating formal proceedings, we encourage you to contact us to attempt to resolve any dispute informally at info@utrust.sa.

General provisions

Entire agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and uTrust regarding the Services and supersede any prior agreements.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

Assignment

You may not assign these Terms or your rights under them to any other person without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Language

These Terms may be provided in Arabic and English. If the versions conflict or differ in interpretation, the Arabic version will prevail to the extent permitted by applicable law.

Contact us

For questions about these Terms, contact: