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Terms and Conditions

• Business Growth Experts
• Terms and Conditions

Effective Date: 29 October 2026
Last Updated: 29 October 2026

1. Introduction

Welcome to Business Growth Experts (BGE), accessible at https://itsbge.com (the “Website”).

These Terms and Conditions govern your access to and use of the Website and the information and services presented through it. By accessing or using the Website, you acknowledge that you have read and understood these Terms and Conditions.

If you do not agree with these Terms and Conditions, please discontinue use of the Website.

In these Terms and Conditions, “BGE,” “we,” “us,” and “our” refer to Business Growth Experts, subject to confirmation of its full registered legal name. “You” and “your” refer to any visitor, prospective client, or other person using the Website.

2. About Our Services

BGE provides financial brokerage and financing-related support intended to help individuals and businesses explore available financing options.

Our services may include:

• Exploring real estate financing options.
• Supporting eligible clients in understanding down payment solutions.
• Assisting business owners in exploring property financing opportunities.
• Reviewing financial circumstances and comparing available financing offers.
• Exploring financing options for specific or non-standard financial circumstances.
• Supporting businesses in identifying potential liquidity and financing solutions.

The availability and scope of these services may vary depending on the client’s circumstances, the relevant financing provider, and applicable laws and regulations.

BGE does not represent that it directly provides financing. Unless expressly stated in a separate written agreement and legally permitted, financing is provided by the relevant bank, finance company, or other authorized financing provider.

3. No Guarantee of Financing Approval

All financing applications, indicative offers, eligibility assessments, and financing arrangements are subject to the relevant provider’s requirements, assessment, approval, and contractual terms.

Submitting an inquiry through our Website does not constitute a financing application accepted by a financing provider, an approval, or a guarantee that financing will be obtained.

BGE does not guarantee:

• Approval of any financing application.
• A particular financing amount, interest rate, profit rate, repayment period, or down payment.
• The availability of any specific financing product or offer.
• Acceptance of a client by any bank or financing provider.
• Any particular financial outcome.

Any estimates, comparisons, or preliminary assessments are indicative only unless expressly confirmed in writing by the relevant authorized provider.

4. Website Information and Financial Decisions

The information on this Website is provided for general informational purposes. It is not a substitute for reviewing the actual terms of a financing offer or obtaining appropriate professional advice.

You should carefully review the relevant financing agreement, applicable fees, profit or interest rates, repayment obligations, eligibility criteria, risks, and other material terms before making a financial decision.

You are responsible for assessing whether a financing arrangement is appropriate for your circumstances. Where necessary, seek independent financial, legal, or tax advice.

5. User Responsibilities

When using this Website or contacting BGE, you agree to:

• Provide information that is accurate, complete, and not misleading.
• Update information when material details change.
• Use the Website only for lawful purposes.
• Refrain from impersonating another person or misrepresenting your identity.
• Avoid submitting information that you are not authorized to disclose.
• Refrain from attempting to disrupt, damage, or gain unauthorized access to the Website or its systems.
• Avoid uploading malicious software or engaging in fraudulent, abusive, or unlawful activity.

We reserve the right to restrict or discontinue access where reasonably necessary to protect the Website, our users, or our legal rights, subject to applicable law.

6. Inquiries and Communication

Submitting a contact form, sending an email, calling us, or contacting us through WhatsApp does not automatically establish a client relationship, create a financing agreement, or guarantee that BGE will provide a particular service.

We may contact you to respond to your inquiry, request additional information, discuss potential services, or explain possible next steps.

Any engagement that requires specific obligations, fees, authorizations, or other contractual commitments may be subject to a separate written agreement.

7. Third-Party Financing Providers and Websites

Our services may involve communication or referrals to banks, finance companies, or other third parties, where appropriate and legally permitted.

Third-party providers independently determine their eligibility requirements, financing terms, approval decisions, and contractual obligations. BGE does not control their internal procedures, systems, decisions, or service availability.

The Website may also contain links to third-party websites. These websites operate under their own terms and privacy policies. We are not responsible for their content, security, privacy practices, or services, except to the extent responsibility cannot be excluded under applicable law.

You should review the relevant third-party terms before using their services.

8. Fees and Commissions

Any fees, commissions, referral arrangements, or service charges applicable to a specific engagement must be communicated and agreed upon as required by applicable law and the relevant agreement.

Nothing on this Website should be interpreted as establishing a fee, commission, or payment obligation that has not otherwise been properly disclosed and agreed upon.

You should request clarification of any applicable charges before proceeding with a service.

9. Intellectual Property

Unless otherwise stated, the Website’s content, including text, branding, logos, graphics, design elements, and other materials, is owned by BGE or used with appropriate authorization.

You may access and use the Website for personal or legitimate business informational purposes.

You must not reproduce, republish, distribute, modify, commercially exploit, or create derivative works from Website content without prior authorization, except where permitted by applicable law.

Nothing in these Terms transfers ownership of intellectual property to you.

10. Website Availability and Security

We aim to keep the Website accessible and its information reasonably up to date. However, we do not guarantee uninterrupted availability, error-free operation, or the absence of technical vulnerabilities.

We may modify, suspend, restrict, or discontinue any part of the Website for maintenance, security, operational, or other legitimate reasons.

You are responsible for using appropriate security measures when accessing the Internet and submitting information online.

11. Limitation of Liability

To the extent permitted by applicable law, BGE shall not be liable for indirect or consequential losses arising from your use of, or inability to use, the Website, reliance on general website information, or decisions independently made by third-party financing providers.

BGE does not warrant the accuracy, completeness, or continued availability of every item of information published on the Website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under the laws of the Kingdom of Saudi Arabia. These Terms do not remove any mandatory rights you may have under applicable law.

12. Privacy and Personal Data

Your use of the Website may involve the collection and processing of personal information, including information you provide through contact forms or other communication channels.

Our collection and use of personal data are explained in our Privacy Policy, available on the Website.

By submitting personal information, you acknowledge that it will be handled in accordance with the Privacy Policy and applicable data protection requirements. Where consent is required, we will seek it as required by law.

13. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes to our services, Website, business practices, or applicable legal requirements.

The updated version will be published on this page with a revised “Last Updated” date. Changes will take effect as permitted by applicable law.

We encourage you to review this page periodically.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws and regulations applicable in the Kingdom of Saudi Arabia.

Any dispute arising in connection with these Terms shall be referred to the competent courts or authorities in the Kingdom of Saudi Arabia, subject to applicable jurisdictional rules and mandatory legal requirements.

15. Contact Information

For questions regarding these Terms and Conditions, please contact us:

Business: Business Growth Experts (BGE)
Website: https://itsbge.com
Email: info@itsbge.com
Address: Al Muhanna Tower, 4th Floor, King Abdulaziz Street, Al Aziziyah, Dammam 32424, Kingdom of Saudi Arabia.

Important: The official registered legal name, commercial registration details, and any applicable financial brokerage licensing information should be confirmed and included where required before publication.