The International University of Kuwait ("IUK") online payment portal is operated by the International University of Kuwait under its parent entity, Kuwait National Education and Training Services Est. Co.

By accessing or making a payment through IUK's official website or authorized online payment portal, the user acknowledges and agrees to these Terms & Conditions, together with the applicable IUK policies, regulations, and procedures.

IUK operates a strictly cashless payment policy. No cash transactions are accepted, collected, or processed by IUK for student fees or any payments.

All payments must be completed through IUK-approved electronic payment methods or authorized banking channels.

Electronic payments are processed through IUK's authorized payment service providers and applicable banking and payment channels, which may include KNET, Apple Pay, and other payment methods officially made available by IUK.

Payment transactions may be subject to the terms, security requirements, processing procedures, and availability of the relevant payment service provider or financial institution.

IUK does not store sensitive payment card or banking credentials on its local systems where such information is processed directly by the authorized payment service provider.

Upon successful completion of an online payment, a payment confirmation and/or electronic receipt will be generated or made available.

The payee is responsible for retaining the payment confirmation, receipt, and transaction reference number for their records and for any future payment-related inquiry.

A successful payment transaction does not, by itself, confirm that all amounts due on the student's account have been settled. The student's official financial account maintained by IUK shall determine any remaining balance or financial obligation.

If a transaction is unsuccessful, pending, duplicated, or the amount is deducted without being reflected on the student's account, the payee should contact the IUK Finance Department and provide the relevant transaction details and supporting evidence.

IUK will review the transaction in coordination with the applicable payment service provider and/or financial institution.

Any refund arising from an online payment shall be subject to IUK's applicable Refund & Cancellation Policy, Academic Catalog, Student Financial Regulations, and applicable banking or payment service provider requirements.

All approved refunds will be processed electronically through an approved banking or payment channel. No refunds will be issued in cash under any circumstances.

The user is responsible for ensuring that the correct student information, payment amount, and other required details are entered before completing a transaction.

IUK shall not be responsible for delays resulting from incorrect or incomplete information provided by the user, subject to applicable law.

These Terms & Conditions shall be governed by and construed in accordance with the applicable laws and regulations of the State of Kuwait.

Any matter relating to payments, refunds, or student financial obligations shall also remain subject to the applicable policies and regulations of IUK.