Terms and Conditions



Welcome to Khedmah OIFC ("we", "our", "us"). By accessing or using our website [website URL] (the "Site"), our mobile application (the "App"), and our services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read these Terms carefully before using our Services.


Acceptance of Terms

By registering for, accessing, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree to these Terms, you must not use our Services.


Services Provided

Khedmah OIFC provides a platform for users to pay for their utility bills, manage an e-wallet, and access a quick commerce service for various goods and services. These services are subject to change, and we reserve the right to modify, suspend, or discontinue any aspect of the Services at any time without notice.



You must be at least 18 years old and capable of forming a binding contract under applicable law to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.


Account Registration and Security

Account Creation: To use certain features of our Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.


Account Security: You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.


Use of Services

License: Subject to these Terms, we grant you a non-transferable, non-exclusive, revocable, limited license to use and access the Services.


Prohibited Conduct: You agree not to:

  • Use the Services for any unlawful purpose or in violation of any local, state, national, or international law.

  • Interfere with or disrupt the Services or servers or networks connected to the Services.

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    Engage in any activity that could harm or impersonate another person.


E-Wallet: You may use your e-wallet to make transactions through the Services. You are solely responsible for the accuracy and legality of the transactions you conduct.


Utility Bills: We facilitate the payment of utility bills. You are responsible for ensuring that your payments are accurate and timely.


Fees and Charges

Some aspects of our Services may be subject to fees. You agree to pay all applicable fees and charges for your use of the Services. We reserve the right to change our fees at any time.


User Content

You may be able to submit, post, or display content through the Services ("User Content"). You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, distribute, and display your User Content in connection with the Services.


Intellectual Property

All content and materials included in the Services, including text, graphics, logos, and software, are the property of Khedmah OIFC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You agree not to use, copy, reproduce, modify, or create derivative works of any content or materials without our prior written consent.



We reserve the right to suspend or terminate your access to the Services at any time, for any reason, without notice or liability to you. Upon termination, these Terms will continue to apply to any past use of the Services by you.


Limitation of Liability

To the fullest extent permitted by law, Khedmah OIFC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the Services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from the Services.



You agree to indemnify and hold harmless Khedmah OIFC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.


Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Sultanate of Oman without regard to its conflict of law principles.


Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on the Site. Your continued use of the Services after such changes have been posted constitutes your acceptance of the new Terms.


Contact Information

If you have any questions about these Terms, please contact us at 24727272

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Oman Investment & Finance Co. SAOG (OIFC).