Terms and Conditions

These Terms and Conditions (the "Terms") govern your access to and use of the Sky Cashback application (the "App"), operated by Sama for Investments, a company registered under the laws of the Syrian Arab Republic, with its head office in Damascus – Customs Square – Free Zone – Sky Building – Ground Floor (the "Company", "we", "us").

The Company is licensed to carry out electronic marketing activity under commercial register no. 0311010423, and operates within the scope of that licence and the laws governing it.

The vouchers offered through the App are products of the Company and are among the electronic marketing instruments it provides within this activity, licensed in the commercial register and under the accreditation granted by the National Authority for Information Technology Services.

The Company is a trading company whose business is selling goods. The vouchers it offers through the App are products the Company owns and sells, and they are treated as goods. The Company is not a bank, a financial institution, a payment service provider, or an electronic wallet, and the App is not a financial technology (fintech) service. See section 3.

The App is approved by the National Authority for Information Technology Services under final licence no. 31/2036 – dated July 7, 2026.

By creating an account or using the App, you agree to be bound by all the terms and conditions set out in this agreement. If you do not agree to them, you must not use the App at all.

• Voucher: a product the Company owns and sells to users through the App, the value of which cannot be refunded in cash or exchanged for cash of any kind. It is evidence of an advance payment made by App users (a purchase receipt) for the goods and services contracted with partner merchants, in return for which users receive various discounts (cashback). A voucher has a fixed price, and no value can be added to it after it is bought. The user redeems it exclusively to obtain specific goods or services from partner merchants only, the Company being bound to the partner merchants by a documented, legally valid commercial contractual relationship that enables App users (voucher holders) to redeem their vouchers (both purchased vouchers and cashback vouchers) against the goods and services available from partner merchants when purchases are carried out.
• User: any person who registers in the App to benefit from offers, discounts and cashback, and who redeems vouchers purchased through the App to make purchases from partner merchants.
• Partner merchant: the store or entity that offers its products or services under a legal and commercial agreement with the Company through the App, and that has agreed with the Company to grant users various rates of cashback (discounts) in return for the use of vouchers.
• Voucher purchase: the transaction through which a user buys the Company's products (vouchers), the App allowing the purchase of one or more vouchers using one of the payment methods available in the App.
• Redemption: the act of using a voucher, in whole or in part, in return for obtaining goods or services from one of the partner merchants only; it constitutes proof of delivery of the goods/service to the user by the partner merchants.
• Vouchers value: the total value of the vouchers a user holds in the App and has not yet redeemed against any goods or service from a partner merchant.
• Cashback: the discount granted by partner merchants, in the form of a percentage of the value of the goods or services they provide, added to the user's cashback value inside the App once purchased vouchers have been used at one of the merchants. Cashback value is granted in the form of vouchers, and those vouchers are redeemed in the same way as purchased vouchers.
• Cashback value: the total discounts (cashback) a user has received from partner merchants and has not yet used to obtain goods or services from partner merchants.
• Returns: a transaction in which goods/services to be returned are delivered by the customer back to the partner merchant, whereupon the merchant issues a return invoice and returns a set number of vouchers corresponding to the value of the returned goods or services.
• Referral code: a unique code issued to a user through the App to invite others to register in the App, users being rewarded with vouchers as a gift for inviting others to register in the App.

• The Sky Cashback App is operated by Sama for Investments, a trading company only. Its business is selling goods and electronic marketing: it owns the vouchers it offers and sells them to users as products at a fixed price, and those vouchers are used by App users to be redeemed against goods and services provided by the partner merchant network, the voucher being a marketing instrument and a product of the Company.
• Every voucher — whether purchased by the user or granted as cashback — is a product the Company owns and sells or grants. It is goods, not money, not a financial instrument, not electronic money or stored value, and an App user cannot exchange it for cash or transfer it to bank accounts, remittance or exchange companies or the like; it is designated solely for redemption against the goods or services of partner merchants exclusively.
• When you buy a voucher you are buying goods owned by the Company and paying for them in advance. When you redeem it at the partner merchants you receive the goods or service you paid for, supplied to you through the partner merchant under a contract, and the amount you pay is the sale price of goods/a service, collected by the Company from the App user for its own account as the seller. Accordingly, the amount collected is not a deposit, is not held on your behalf, and is not placed in its custody for your benefit.
• The Company does not carry out any financial or banking activity, and does not hold itself out as doing so. In particular, the Company:
  • does not accept deposits, and does not open or operate accounts of any kind for users;
  • does not issue electronic money, stored value, or any payment instrument;
  • does not provide transfer, remittance, or money transmission services;
  • does not hold, safeguard, or take custody of users' funds;
  • does not carry out currency exchange, brokerage, investment, or securities activities;
  • does not deal in virtual assets or cryptocurrencies in any form.
• Accordingly, the Company does not intend to carry out any of the foregoing activities or anything related to them; rather it provides the Sky Cashback App as an electronic marketing application for discounts, and not a financial technology (fintech) service, an electronic wallet, a payment service, or a banking service, and it may not be used or presented as such.
• Voucher payments are collected through the payment methods available in the App (duly licensed) or through points of sale, which are outlets approved by the Company to sell the vouchers the Company owns, the point of sale being a sales agent for the Company's vouchers.
• The vouchers value and cashback value shown in the user's app represent the value of goods the user is entitled to obtain from partner merchants at any time they wish. They are not a cash balance and not an account held for the user with the Company.

To use the App, the user must be at least 18 years of age.

• You must register an account by providing your full name and phone number in order to verify your identity via SMS (OTP code). You also choose a password to protect your account.
• Additional profile information (such as email address, address, or gender) is optional and can be added later from your profile settings.
• You are responsible for keeping your account credentials confidential.
• Sharing your account with anyone else or allowing others to access it is entirely your own responsibility.
• You are solely responsible for all activity carried out through your account.

• Users can buy vouchers in Syrian pounds only through the payment methods available in the App, namely:
  • Paymera (bank card payment through the approved payment platform).
  • MTN Cash.
  • Syriatel Cash.
  • Sham Cash.
  • Points of sale approved by the Company.
• A user may buy more than one voucher, in different denominations and quantities, within a single payment.
• The availability of any payment method depends on the relevant service provider and may change without prior notice.
• The Company sells the vouchers, and they can only be redeemed through the App to obtain goods or services from partner merchants.
• A voucher is not a deposit, a bank account, a stored-value account, electronic money, or a money transfer service. Buying a voucher is buying the Company's marketing product, and vouchers cannot be exchanged for cash, their value is not refunded in cash, and they can only be used inside the App to obtain goods and services from partner merchants.
• A voucher represents a marketing product that enables its holder (the App user) to obtain the discounts (cashback) the Company offers to users.

• Users can redeem their vouchers to obtain goods or services from the partner merchants listed in the App.
• When a redemption is completed, the partner merchant/store issues a delivery invoice through the dedicated merchant app.
• The value of the goods and services is deducted from your vouchers value, and the applicable cashback rate is added to your cashback value.
• Cashback is granted in the form of vouchers. It is not cash, cannot be exchanged for cash, its value is not refunded in cash, and it can only be used inside the App with partner merchants.
• Cashback rates vary by partner merchant and may be amended at any time without prior notice.
• Vouchers are redeemed in the order they were purchased, oldest first. You can review the transactions that consumed each voucher through the voucher usage history in the App.

• Returns concern goods/services returned to the partner merchant. If the delivery is cancelled or the product is returned to the merchant, the transaction is processed as a return.
• Returns are processed according to the return policy of the partner merchant/store that carried out the purchase, and the return window depends on that policy.
• On return, the value of the returned goods or services is restored to your vouchers value in the App in the form of a return voucher.
• The Company reserves the right to deduct any cashback that was added as a result of the returned transaction.

Gifting vouchers is a transfer of ownership of goods the user already owns, not a transfer of money. No money passes between users, and the Company does not provide a money transfer service. Gifting between users is subject to the following conditions:

• Vouchers can only be gifted into a vouchers value.
• Cashback can only be gifted into a cashback value.
• You can gift another user by scanning the QR code shown in the recipient's app, or receive a gift by showing your own QR code to the sender.
• You can buy one or more vouchers as a gift for another registered user. Gift vouchers can be paid for through the same payment methods listed in section 6, subject to the same availability.
• You cannot send a gift to your own account.
• You are solely responsible for verifying the recipient's identity before confirming any gift. The Company cannot reverse gifts once completed.

• The App lets you buy mobile airtime for MTN and Syriatel lines, and pay mobile bills for postpaid lines, using your vouchers value in the App.
• The Company buys the airtime from an approved distributor and resells it to you as a product against your vouchers value, and settles postpaid bills with the operator through the same commercial channel. In both cases the Company acts as a reseller of the operator's services and does not provide a payment, remittance, or money transfer service.
• These services are available for Syrian pound accounts only.
• You are solely responsible for entering the correct phone number. Recharges and bill payments are executed immediately through the telecom operator and the Company cannot reverse or refund them once sent.
• Recharges and bill payments do not earn cashback unless expressly stated in the App.
• Available amounts, service types, and minimum and maximum limits are set by the telecom operator and may change without prior notice.

• The App may provide you with a referral code to invite others to register.
• The rewards for a successful referral, their conditions and amounts are set by the Company and displayed in the App, and may be amended or withdrawn at any time without prior notice.
• Any reward is granted in the form of vouchers and is subject to the same conditions applicable to vouchers.
• Self-referral, creating additional accounts, using fictitious data, or any other manipulation of the referral program forfeits any entitlement to rewards, and the Company may withdraw rewards already granted and suspend the account.

• Use the App only for its intended purpose, namely buying vouchers, redeeming them at partner merchants, and earning cashback.
• Provide accurate, current, and complete information.
• Do not engage in any fraudulent, deceptive, or unlawful activity through the App.
• Do not attempt to exploit or manipulate the cashback system, including but not limited to: creating multiple accounts, carrying out fictitious transactions, or colluding with merchants.
• Do not reverse engineer, decompile, or attempt to extract the source code of the App.
• Comply with all applicable laws and regulations of the Syrian Arab Republic.

• All unlawful activities.
• Using the App for purposes other than legitimate commercial purchases.
• Creating multiple accounts for the same person.
• Any attempt to manipulate transaction records or cashback accounts.
• Sharing, selling, or selling access to accounts.
• Interfering with the security, infrastructure, or proper operation of the App. The Company reserves the right to suspend or terminate any account engaged in prohibited activities without prior notice, and to notify the competent authorities where appropriate.

• The App, including its design, logos, trademarks, text, graphics, and software, is the exclusive property of Sama for Investments or its licensors.
• Users are granted a limited, non-exclusive, non-transferable licence to use the App for personal, non-commercial purposes in accordance with these Terms.
• No part of the App may be copied, reproduced, distributed, or used without the Company's prior written consent.

• The App is provided "as is" and "as available". The Company does not warrant continuous, error-free, or secure access to the App at all times.
• The Company is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the App.
• The Company is not liable for the quality, safety, or legality of the products or services provided by partner merchants.
• The Company is not liable for any losses resulting from unauthorised access to your account caused by your failure to protect your login credentials.

• The Company reserves the right to amend these Terms at any time.
• Users will be notified of material changes through the App or through registered communication channels.
• Continued use of the App after amendments constitutes acceptance of the updated Terms.

• The Company may suspend or terminate your account at its absolute discretion if you breach these Terms or engage in any prohibited activities.
• You can delete your account at any time from Settings > Account and Security > Delete Account.
• On termination, any remaining vouchers value and cashback value in the user's account is dealt with in accordance with these Terms and applicable law. As stated above, vouchers and cashback cannot be exchanged for cash and their value is not refunded in cash.

• These Terms are governed by and construed in accordance with the laws of the Syrian Arab Republic.
• Any disputes arising out of or relating to these Terms are subject to the exclusive jurisdiction of the competent courts in Damascus, Syria.

For any questions or enquiries regarding these Terms, you can contact us at:

• Email: support@sky-cashback.com
• Phone: 0995116600 / 0941104114
• Landline: 2130100
• Address: Damascus – Customs Square – Free Zone – Sky Building – Ground Floor