{"id":17,"date":"2026-10-08T06:47:14","date_gmt":"2026-10-08T06:47:14","guid":{"rendered":"https:\/\/efsac.org\/terms\/"},"modified":"2026-11-02T12:33:57","modified_gmt":"2026-11-02T09:33:57","slug":"terms","status":"publish","type":"page","link":"https:\/\/efsac.org\/en\/terms\/","title":{"rendered":"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0627\u062d\u0643\u0627\u0645"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"17\" class=\"elementor elementor-17\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b999e9b e-con e-atomic-element e-flexbox-base e-default-div e-7a5c7f7\" data-id=\"b999e9b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b999e9b\">\n    \t\t<div class=\"elementor-element elementor-element-a39a694 elementor-widget elementor-widget-html\" data-id=\"a39a694\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"etr\">\r\n  <section class=\"etr-hero etr-r\">\r\n    <div class=\"etr-kick\">ETMAM<\/div>\r\n    <h1>Terms and Conditions<\/h1>\r\n    <p>\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0648\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0627\u062a.<\/p>\r\n  <\/section>\r\n\r\n  <section class=\"etr-list\">\r\n    <div class=\"etr-item etr-r\"><b>01<\/b><p>\u064a\u064f\u0639\u062f \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0629 \u0645\u0624\u0643\u062f\u064b\u0627 \u0628\u0639\u062f \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u062a\u0635\u0644 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0648\u0627\u0644\u0645\u0648\u0639\u062f \u0639\u0644\u0649 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u0645\u0633\u062c\u0644.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>02<\/b><p>\u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0628\u0627\u0644\u0631\u064a\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0648\u0634\u0627\u0645\u0644\u0629 \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 15%.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>03<\/b><p>\u064a\u0644\u062a\u0632\u0645 \u0627\u0644\u0645\u062a\u062f\u0631\u0628 \u0628\u0627\u0644\u062d\u0636\u0648\u0631 \u0641\u064a \u0627\u0644\u0645\u0648\u0627\u0639\u064a\u062f \u0627\u0644\u0645\u062d\u062f\u062f\u0629\u060c \u0648\u0644\u0627 \u064a\u062d\u0642 \u0644\u0647 \u0645\u0634\u0627\u0631\u0643\u0629 \u0631\u0627\u0628\u0637 \u0627\u0644\u062f\u0648\u0631\u0629 \u0623\u0648 \u062a\u0633\u062c\u064a\u0644\u0627\u062a\u0647\u0627 \u0623\u0648 \u0645\u0648\u0627\u062f\u0647\u0627 \u0645\u0639 \u0627\u0644\u063a\u064a\u0631.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>04<\/b><p>\u062a\u064f\u0635\u062f\u0631 \u0627\u0644\u0634\u0647\u0627\u062f\u0629 \u0628\u0639\u062f \u0625\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062f\u0648\u0631\u0629\u060c \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646\u0647\u0627 \u0639\u0628\u0631 <a href=\"https:\/\/efsac.org\/en\/verify\/\">\u0635\u0641\u062d\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0634\u0647\u0627\u062f\u0627\u062a<\/a>.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>05<\/b><p>\u062a\u062d\u062a\u0641\u0638 \u0627\u0644\u0645\u0646\u0635\u0629 \u0628\u062d\u0642 \u062a\u0639\u062f\u064a\u0644 \u0645\u0648\u0627\u0639\u064a\u062f \u0627\u0644\u062f\u0648\u0631\u0627\u062a \u0628\u0639\u062f \u0625\u0634\u0639\u0627\u0631 \u0627\u0644\u0645\u062a\u062f\u0631\u0628\u064a\u0646 \u0645\u0633\u0628\u0642\u064b\u0627.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>06<\/b><p>\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0645\u0644\u0643 \u0644\u0644\u0645\u0646\u0635\u0629 \u0648\u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0634\u062e\u0635\u064a \u0641\u0642\u0637.<\/p><\/div>\r\n    <div class=\"etr-item etr-r\"><b>07<\/b><p>\u064a\u062e\u0636\u0639 \u0627\u0644\u0625\u0644\u063a\u0627\u0621 \u0648\u0627\u0644\u0627\u0633\u062a\u0631\u062c\u0627\u0639 \u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u062c\u0627\u0639 \u0648\u0627\u0644\u0625\u0644\u063a\u0627\u0621\u060c \u0648\u064a\u062e\u0636\u0639 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629.<\/p><\/div>\r\n  <\/section>\r\n\r\n  <section class=\"etr-cta etr-r\">\r\n    <div>\r\n      <h2>Do you have any questions?<\/h2>\r\n      <p>The Etemam team is ready to answer your questions<\/p>\r\n    <\/div>\r\n    <div class=\"etr-btns\">\r\n      <a class=\"etr-b1\" href=\"https:\/\/wa.me\/966551272272\" target=\"_blank\">We have sent you a message on WhatsApp<\/a>\r\n      <a class=\"etr-b2\" href=\"mailto:info@efsac.org\">info@efsac.org<\/a>\r\n    <\/div>\r\n  <\/section>\r\n<\/div>\r\n<style>\r\n.etr{direction:rtl;max-width:1000px;margin:0 auto;padding:50px 20px 70px;box-sizing:border-box;font-family:'Tajawal',sans-serif}\r\n.etr *{box-sizing:border-box}\r\n.etr h1,.etr h2{font-family:'Alexandria',sans-serif;margin:0}\r\n.etr-r{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}\r\n.etr-r.in{opacity:1;transform:none}\r\n.etr-hero{background:#FBF1E3;border-radius:26px;padding:60px 50px;text-align:center}\r\n.etr-kick{font-family:'Cormorant 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p{font-size:18px;line-height:1.9;color:#2C2C2A;margin:0}\r\n.etr-item a{color:#B71C22!important;text-decoration:none!important;border-bottom:1px solid #B71C22}\r\n.etr-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;background:#FBF1E3;border:1px solid #EFE2CF;border-radius:24px;padding:40px 46px}\r\n.etr-cta h2{font-weight:500;font-size:28px;color:#3A2410;margin-bottom:6px}\r\n.etr-cta p{font-size:17px;color:#7A5A32;margin:0}\r\n.etr-btns{display:flex;gap:24px;align-items:center;flex-wrap:wrap}\r\n.etr-b1{text-decoration:none!important;background:#B71C22;color:#fff!important;padding:14px 32px;font-size:16px;border-radius:2px;transition:.3s}\r\n.etr-b1:hover{background:#8F151A}\r\n.etr-b2{text-decoration:none!important;color:#23252B!important;font-size:16px;border-bottom:1px solid #23252B;padding-bottom:4px;direction:ltr}\r\n.etr-b2:hover{color:#B71C22!important;border-color:#B71C22}\r\n@media(max-width:767px){\r\n.etr{padding:30px 14px 50px}\r\n.etr-hero{padding:40px 22px}\r\n.etr-hero h1{font-size:32px}.etr-hero p{font-size:16px}\r\n.etr-item{padding:18px;gap:14px;align-items:flex-start}\r\n.etr-item b{flex:0 0 42px;height:42px;font-size:15px}\r\n.etr-item p{font-size:16px}\r\n.etr-cta{flex-direction:column;text-align:center;padding:32px 22px}\r\n.etr-btns{justify-content:center}\r\n}\r\n<\/style>\r\n<script>\r\n(function(){var els=document.querySelectorAll('.etr-r');\r\nif(!('IntersectionObserver' in window)){els.forEach(function(e){e.classList.add('in')});return;}\r\nvar io=new IntersectionObserver(function(en){en.forEach(function(x){if(x.isIntersecting){x.target.classList.add('in');io.unobserve(x.target);}});},{threshold:.1});\r\nels.forEach(function(e){io.observe(e)});})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>ETMAM \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0648\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0627\u062a. 01 \u064a\u064f\u0639\u062f \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0629 \u0645\u0624\u0643\u062f\u064b\u0627 \u0628\u0639\u062f \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u062a\u0635\u0644 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-17","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0627\u062d\u0643\u0627\u0645 - \u0625\u062a\u0645\u0627\u0645 \u0644\u0644\u062a\u062f\u0631\u064a\u0628 \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/efsac.org\/en\/terms\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0627\u062d\u0643\u0627\u0645 - \u0625\u062a\u0645\u0627\u0645 \u0644\u0644\u062a\u062f\u0631\u064a\u0628 \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631\" \/>\n<meta property=\"og:description\" content=\"ETMAM \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0648\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0627\u062a. 01 \u064a\u064f\u0639\u062f \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u062f\u0648\u0631\u0629 \u0645\u0624\u0643\u062f\u064b\u0627 \u0628\u0639\u062f \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u062a\u0635\u0644 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/efsac.org\/en\/terms\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0625\u062a\u0645\u0627\u0645 \u0644\u0644\u062a\u062f\u0631\u064a\u0628 \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-02T09:33:57+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/efsac.org\\\/terms\\\/\",\"url\":\"https:\\\/\\\/efsac.org\\\/terms\\\/\",\"name\":\"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0627\u062d\u0643\u0627\u0645 - \u0625\u062a\u0645\u0627\u0645 \u0644\u0644\u062a\u062f\u0631\u064a\u0628 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