Comfi provides customers a Buy Now Pay Later (BNPL) service. By using the services of Comfi, registering for, logging into your account at comfi.app you agree to be bound by these terms. You should read these terms carefully before registering an account or using the services and determine whether the terms and services are appropriate to you given your personal or financial circumstances.

You should print a copy of these terms for your records. If you do not agree with these terms, or the terms and services are not appropriate given your personal or financial circumstances, you should cease use of the services immediately and request the closure of your account.

We reserve the right to change these terms at any time without notice to you by updating the website to incorporate any new or amended terms. Any amendments to the terms will not alter the terms applicable to any purchase made using our services prior to the publication date of any new or amended terms unless we give you prior written notice.

You are responsible for regularly reviewing information posted on our  website to obtain timely notice of amendments to these terms. Your continued use of the services after amendments to these terms are published constitutes your acceptance of the amended terms.

The services are provided by COMFI FZ-LLC, registered in Dubai Internet City, UAE (and we refer to ourselves as  "Comfi ",  "we", "us" or "our").

1. The services

Buy Now Pay Later:

1.1 If you have applied for an account with us and we have approved you, you will be able to use our BNPL service to buy services and make payments with associated online merchants with a payment to be made on or before the due date communicated.

1.2 You will also be able to, during checkout with an associated merchant, apply for the use of our BNPL service. This application will not immediately result in an agreement between the merchant and us that you can pay via our BNPL service. Our approval of your application will be subject to our review of your submitted data and circumstances. We explicitly reserve the right to decline your application without giving reasons for doing so.

1.3 If your account has a sufficient balance or your application is approved (as appropriate), we will pay the merchant on your behalf for the services you purchase, and you agree to repay such amounts to us in accordance with these terms.

1.4 It is important to note that benefits that may be offered by your bank or credit card issuer with respect to purchases of services from merchants may not be applicable to purchases made through us, and we do not represent or warrant that any purchase protection, extended warranty, or other such benefits offered by such third parties will be available to you if you make purchases through our services.

1.5 Our BNPL services will only be available to eligible business entities and individuals. Whether you are eligible to use our BNPL services will be determined by us at our discretion at the time of an attempted purchase, and may depend on such factors including but not limited to our assessment of your and your business entity’s creditworthiness, history of transactions, the merchants account history, or any other reason and you satisfying the following criteria:

a. You hold a Stripe account or your bank account is registered in UAE, US, EU or UK;

b. You are an authorized person to act on behalf of your company;

b. you are 18 years of age or older;

c. you have an active email account registered in your or company name;

d. you have provided all your information and documentation requested by us; and

e. you declare that any payment obligations arising from your purchase will be met by you pursuant to the payment terms agreed at the time of purchase.

1.6 We may provide you, at our sole discretion, with offers and benefits such as discounts, special events, pre-access to products, sales promotions, merchant offers, sampling and giveaways. Any such offers or benefits will be subject to terms and conditions as notified to you.