Terms & Conditions

1Introduction

These Terms & Conditions (“Terms”) govern your access to and use of the Zirca platform, including the Zirca website, mobile applications, software, technology platform, products, features, content and related services (collectively, the “Services”).

Who operates the Services

The Services are operated by:

For the purposes of these Terms, “Zirca”, “we”, “us” and “our” means ZIRCA SOFTWARE SOLUTIONS - FZCO.

Licensed activities

Zirca is a technology and software business whose licensed activities include:

• 6202003Information Technology Consultants
• 4741004Computer Systems & Communication Equipment Software Trading
• 6201001Computer Systems & Communication Equipment Software Design

Zirca provides an AI-powered financial-management platform designed to consolidate financial information and provide users with a unified view of their financial position.

Your agreement

By creating an account, accessing, browsing or using the Services, you acknowledge that you have read, understood and agree to be legally bound by these Terms.

Documents that form part of these Terms

These Terms should be read together with Zirca’s:

• Privacy Policy
• Data Protection Policy
• Cookie Policy
• Subscription and Pricing information
• Product-Specific Terms
• Promotional terms
• Other policies or notices expressly incorporated into these Terms

2Definitions

For these Terms:

Account

An account created by you to access and use the Services.

Assets

Financial or other assets that you add to or track through Zirca, including, where supported, investments, cryptocurrency, property and other assets.

Connected Account

An eligible financial account connected to Zirca through an applicable account-information, Open Finance or other authorised connectivity mechanism.

Content

Information, text, graphics, software, interfaces, reports, calculations, insights, designs and other materials made available through the Services.

Financial Information

Financial information obtained from Connected Accounts, information provided by you, third-party providers or other lawful sources.

Liabilities

Liabilities that you add to or track through Zirca, including loans, credit obligations and other financial liabilities.

Personal Data

Has the meaning given to that term under applicable data-protection law.

Services

The Zirca platform and all products, features and services provided by Zirca.

Subscription

A paid Zirca subscription that provides access to specified features.

Third-Party Provider

A third party that provides services, infrastructure, connectivity, data, authentication, payment processing or other functionality used in connection with the Services.

User, you and your

The individual or legal entity accessing or using the Services.

3About Zirca

Zirca is an AI-powered financial ecosystem designed to bring together financial information that is otherwise fragmented across different accounts, institutions and asset types.

Zirca is designed to help users:

• see their financial position in one place;
• connect eligible financial accounts;
• manually add accounts, Assets and Liabilities;
• track balances;
• monitor income;
• monitor spending;
• categorise transactions;
• track investments;
• track cryptocurrency holdings;
• monitor net worth;
• monitor cash flow;
• establish financial goals;
• monitor progress against financial goals;
• analyse financial activity;
• receive AI-powered financial insights;
• receive intelligent notifications;
• access reports and exports; and
• use other financial-management functionality introduced by Zirca.

The Services are intended to help users understand, organise and monitor their financial world through one platform.

The specific functionality available to you depends on your Subscription, location, eligibility, connected institutions, data availability, technical integrations and applicable law.

4Zirca’s Purpose and Nature of the Services

Zirca’s purpose is to simplify financial management by consolidating financial information into a secure platform and providing users with a clearer understanding of their financial position.

To provide financial-management functionality, the Services may use:

• Financial-account data
• Manually entered information
• Transaction data
• Investment information
• Cryptocurrency information
• Asset information
• Liability information
• Financial goals
• Historical data
• Analytical models
• Automated categorisation
• Artificial intelligence
• Other permitted information

5Regulatory Status

Zirca operates as a technology and software business under its current licensed activities described in Section 1.

Unless expressly stated otherwise and appropriately authorised, Zirca does not itself:

• Accept deposits
• Hold customer funds
• Provide banking services
• Provide loans or credit
• Execute payments
• Transfer money
• Provide investment management
• Provide investment advice
• Provide securities brokerage
• Provide insurance
• Provide tax preparation or filing
• Provide accounting services
• Act as a financial adviser
• Provide another regulated financial service

Where a feature requires regulatory authorisation, Zirca will only provide that feature in a manner permitted by applicable law, including through an appropriately authorised Third-Party Provider where applicable.

6Open Finance and Account Connectivity

Zirca may allow you to connect eligible financial accounts.

Where an account connection involves Open Finance or another regulated financial-data-access framework, the relevant functionality will be provided in accordance with the applicable regulatory requirements.

The CBUAE’s current Open Finance framework establishes a specific licensing framework for Open Finance Providers undertaking data sharing and/or service initiation. The framework also requires appropriate user consent, authentication and secure communication.

Where Zirca uses an authorised Third-Party Provider for account connectivity, that provider may have its own contractual terms and privacy documentation.

7Eligibility

You may use the Services only if you have the legal capacity to enter into a binding agreement.

You must:

1. provide accurate and complete information;
2. keep your information current;
3. comply with these Terms;
4. comply with applicable laws and regulations; and
5. satisfy any additional eligibility requirements applicable to the relevant Service.

If you use Zirca on behalf of another person, business or legal entity, you represent that you have authority to do so.

8Account Registration

Certain Services require you to create an Account.

You agree that information provided during registration will be:

• Accurate
• Complete
• Current
• Not misleading

You must not:

• create an Account using false information;
• impersonate another person;
• create an Account on behalf of another person without authority;
• create multiple Accounts to circumvent restrictions; or
• allow another person to use your Account where prohibited.

Zirca may request additional information where reasonably necessary to:

• Verify identity
• Protect your Account
• Prevent fraud
• Comply with applicable law
• Comply with regulatory requirements
• Provide a particular Service

9Account Security

You are responsible for maintaining the confidentiality and security of your Account credentials.

You must keep secure:

• Passwords
• Authentication codes
• Recovery information
• Access tokens
• Device access
• Other security credentials

You must not share your Account credentials with another person.

You must notify Zirca promptly if you believe that:

• your Account has been compromised;
• an unauthorised person has accessed your Account;
• your credentials have been disclosed; or
• your device has been lost or stolen.

Zirca may temporarily restrict access to an Account where reasonably necessary to protect you, Zirca or another person.

10Connecting Financial Accounts

Where supported, Zirca may allow you to connect eligible financial accounts.

Depending on the relevant integration, Zirca may receive information including:

• account balances;
• transactions;
• transaction dates;
• transaction descriptions;
• merchant information;
• account type;
• currency;
• account identifiers; and
• other Financial Information made available through the connection.

The information available may vary depending on:

• the financial institution;
• the connectivity provider;
• the applicable regulatory framework;
• the permissions you provide;
• technical limitations; and
• the information made available by the relevant institution.

11Account Authorisation

When you choose to connect a financial account, you authorise the applicable connectivity mechanism and, where relevant, Third-Party Provider to access and transmit the information necessary to provide the Services you have requested.

You must have lawful authority to connect an account.

You must not connect:

• another person’s account without appropriate authority;
• a business account without appropriate authority;
• an account you are not authorised to access; or
• an account using another person’s credentials without permission.

Where supported, you may disconnect a Connected Account.

Disconnecting an account may affect the availability or accuracy of features that depend on information from that account.

12Read-Only Account Access

Where Zirca’s account connection is designed as a read-only connection, Zirca will use the connection to obtain financial information for the purposes of providing the Services.

Unless a separate feature is expressly introduced, legally authorised and clearly disclosed to you, a read-only connection does not authorise Zirca to:

• Move money
• Initiate payments
• Withdraw funds
• Transfer funds
• Otherwise operate your bank account

13Third-Party Financial Information

Zirca may receive Financial Information from:

• Banks
• Financial institutions
• Open Finance Providers
• Account-information providers
• Data providers
• Technology providers
• Other Third-Party Providers

Zirca does not control the underlying systems of those providers.

Third-party information may be:

• Delayed
• Incomplete
• Unavailable
• Duplicated
• Incorrectly categorised
• Subsequently corrected
• Affected by technical errors
• Otherwise inaccurate

14Manual Accounts, Assets and Liabilities

Zirca may allow you to manually create and maintain:

• Financial accounts
• Assets
• Liabilities
• Investments
• Cryptocurrency holdings
• Property
• Loans
• Credit obligations
• Other financial information

You are responsible for ensuring that manually entered information is accurate and current.

Zirca does not independently verify information that you manually enter unless expressly stated otherwise.

15CSV and Data Imports

Where supported, Zirca may allow you to import financial information using CSV or other supported file formats.

You are responsible for ensuring that:

• you have the right to upload the information;
• the information is accurate;
• the file does not contain malicious software; and
• the information may lawfully be processed by Zirca.

Imported information may require processing, categorisation or reconciliation and may not be immediately complete or accurate.

16Transaction Categorisation

Zirca may automatically categorise transactions.

Categories may include:

• Groceries
• Housing
• Transport
• Dining
• Entertainment
• Shopping
• Subscriptions
• Utilities
• Income
• Savings
• Other categories

Automated categorisation may occasionally be incorrect.

Where Zirca provides tools to correct categorisation, you may use those tools to improve the organisation of your financial information.

17Transaction Intelligence

Certain Zirca plans may provide Transaction Intelligence or related analytical functionality.

This may identify patterns or changes including:

• Unusual transactions
• Duplicate transactions
• Recurring payments
• Subscription changes
• Changes in spending
• Changes in transaction amounts
• Merchant patterns
• Other financial activity

These features are intended to help you understand your financial activity.

18Net Worth and Financial Position

Zirca may calculate or display your:

• Net worth
• Assets
• Liabilities
• Cash balances
• Investment values
• Cryptocurrency values
• Income
• Expenses
• Other financial metrics

Calculations may depend on information obtained from Connected Accounts and information you provide.

The accuracy of these metrics therefore depends partly on the completeness, accuracy and timeliness of the underlying information.

19Investment Tracking

Where supported, Zirca may allow you to track investments and investment-related information.

Investment tracking may include information such as:

• Holdings
• Values
• Transactions
• Performance
• Allocation
• Gains and losses
• Other investment metrics

Investment values may change rapidly and may be affected by market movements, exchange rates, data timing and other factors.

Investment tracking is informational only.

20Cryptocurrency Tracking

Where supported, Zirca may allow you to track cryptocurrency holdings or related information.

Zirca does not guarantee:

• Cryptocurrency prices
• Valuation accuracy
• Market data availability
• Portfolio performance
• Financial outcomes

Unless expressly stated otherwise and appropriately authorised, Zirca does not custody, transfer, exchange or execute transactions involving cryptocurrency.

21Financial Goals

Zirca may allow you to create financial goals.

Goals may relate to:

• Savings
• Spending
• Balances
• Reserves
• Recurring expenses
• Income
• Investments
• Net worth
• Other financial targets

You are responsible for determining whether a particular goal is appropriate for your circumstances.

22Goal Progress and Positive Reinforcement

Zirca may provide notifications and positive reinforcement when you:

• Reach a goal
• Exceed a goal
• Increase savings
• Reduce spending
• Maintain a target balance
• Improve against a previous period
• Achieve another measurable milestone

These features are intended to help users remain engaged with their financial goals.

23Zirca AI

Zirca may provide AI-powered functionality under the name Zirca AI.

Zirca AI may use financial information and other permitted data to provide:

• Financial insights
• Explanations
• Forecasts
• Trend analysis
• Alerts
• Summaries
• Recommendations
• Financial comparisons
• Other analytical outputs

Zirca AI is designed to transform financial data into useful information and help users understand their financial position and what may require attention.

You should independently verify important information before relying on it.

24Forecasts and Predictive Insights

Zirca may provide forecasts or predictive insights concerning matters such as:

• Future account balances
• Spending
• Cash flow
• Recurring commitments
• Savings
• Financial goals
• Other financial trends

Forecasts are estimates based on historical and available information and assumptions.

Actual results may differ materially from forecasts.

25Alerts and Notifications

Zirca may alert you to changes that may require attention, including:

• Unusual charges
• Rising costs
• Duplicate payments
• Changes in recurring payments
• Changes in spending
• Significant account movements
• Other financial changes

Alerts are generated using available data and automated analysis.

26Financial Reports and Exports

Zirca may provide reports, summaries and data exports.

Reports may include:

• Spending summaries
• Income summaries
• Net-worth information
• Investment information
• Financial goals
• Transaction information
• Cash-flow information
• Other financial metrics

Reports are generated from information available to Zirca at the relevant time.

27No Financial Advice

Zirca provides technology, information, analytics and financial-management tools.

Unless expressly stated otherwise and where legally authorised, Zirca does not provide:

• Investment advice
• Financial planning
• Tax advice
• Legal advice
• Accounting advice
• Insurance advice
• Lending advice
• Securities recommendations
• Other professional financial advice

You should obtain independent professional advice where appropriate.

28User Responsibility for Financial Decisions

You are solely responsible for financial decisions you make based on information obtained through Zirca, subject to any liability that cannot lawfully be excluded.

You acknowledge that Zirca does not have complete knowledge of:

• your financial circumstances;
• objectives;
• risk tolerance;
• tax position;
• legal position;
• business circumstances; or
• other factors relevant to a financial decision.

You should therefore assess information provided by Zirca in the context of your own circumstances.

29No Guarantee of Financial Outcomes

Zirca does not guarantee that use of the Services will:

• Increase your savings
• Reduce your spending
• Increase your income
• Improve your financial position
• Increase investment returns
• Improve your financial health
• Achieve a financial goal
• Improve business performance
• Reduce financial losses
• Produce any particular financial outcome

30Subscription Plans

Zirca may offer different Subscription plans.

The current consumer plans are:

Zirca Go · Free

The Free plan may include:

• Financial insights
• Budgeting & Goals
• Net worth overview
• Manual tracking (CSV)
• Up to 3 connected accounts
• AI support

Zirca Pro · Advanced

The Pro plan may include:

• Zirca AI insights
• Investment tracking
• Transaction Intelligence
• Automatic tracking through supported APIs
• Up to 10 connected accounts
• Email support

Zirca Plus · Recommended

The Plus plan may include:

• Zirca AI assistant
• Advanced analytics
• Performance reports
• Cash-flow forecasting
• Unlimited connected accounts
• Priority support

Feature availability may vary by jurisdiction, technical availability, third-party connectivity and other applicable limitations.

Zirca may introduce additional products, plans or business offerings in the future.

31Pricing

The current intended consumer pricing is:

Annual pricing may provide approximately two months free compared with equivalent monthly billing.

Zirca may change pricing in the future, subject to applicable law and appropriate notice.

32No Connection Fees or Commissions

Unless expressly stated otherwise:

• Zirca does not charge separate connection fees for supported account connections;
• Zirca does not receive commissions for recommending financial products merely because they are displayed through the Services; and
• Zirca does not sell your Personal Data.

Where a Third-Party Provider charges fees, those fees may be governed by the Third-Party Provider’s own terms.

33Billing and Renewal

Paid Subscriptions may be billed monthly or annually.

Where automatic renewal applies, your Subscription will renew at the end of the applicable billing period unless cancelled.

You authorise Zirca or its authorised payment processor to charge the applicable Subscription fee.

You are responsible for maintaining a valid payment method.

If payment cannot be processed, Zirca may:

• Retry the payment
• Notify you
• Restrict paid features
• Suspend the Subscription
• Terminate the Subscription

34Cancellation

You may cancel your Subscription using the cancellation mechanism made available by Zirca.

Unless otherwise stated, cancellation prevents the Subscription from renewing for the next billing period.

35Refunds

Refunds will be handled in accordance with applicable law and Zirca’s applicable refund policy.

The UAE Consumer Protection Law applies to relevant goods and services supplied in the UAE, including services supplied through e-commerce and in free zones.

36Free Trials and Promotional Offers

Zirca may offer:

• Free trials
• Promotional pricing
• Discounts
• Credits
• Referral benefits
• Other promotional offers

Additional terms may apply.

Zirca may modify or withdraw promotional offers where reasonably necessary, subject to applicable law and the terms governing the relevant offer.

37Intellectual Property

All intellectual property rights in the Services belong to Zirca or its licensors.

This includes:

• Software
• Source code
• Object code
• Interfaces
• Databases
• Designs
• Graphics
• Logos
• Trademarks
• Branding
• Text
• Layouts
• Animations
• Methodologies
• Systems
• Models
• Documentation
• Other proprietary materials

Except where expressly permitted, you may not do any of the following with any part of the Services:

• Copy
• Reproduce
• Modify
• Distribute
• Sell
• License
• Lease
• Reverse engineer
• Decompile
• Disassemble
• Scrape
• Extract
• Publish
• Commercially exploit

38Zirca Brand

“Zirca”, the Zirca name, logo, visual identity and related branding are owned by or licensed to Zirca.

You may not use Zirca branding without prior written permission.

You must not falsely represent that you:

• Work for Zirca
• Represent Zirca
• Are an authorised Zirca partner
• Are endorsed by Zirca
• Have another formal relationship with Zirca

39User Feedback

You may provide feedback, suggestions, ideas or comments concerning the Services.

You grant Zirca a non-exclusive, worldwide, royalty-free right to use such feedback to:

• Improve the Services
• Develop products
• Create features
• Conduct research
• Improve the user experience

This does not transfer ownership of intellectual property you independently own in other materials.

40Acceptable Use

You must use the Services lawfully and responsibly.

You must not:

1. use Zirca for fraudulent purposes;
2. impersonate another person;
3. access another person’s Account without authority;
4. provide false or misleading information;
5. misuse financial information;
6. interfere with Zirca’s infrastructure;
7. introduce malicious software;
8. circumvent security controls;
9. reverse engineer the Services;
10. scrape or systematically extract Zirca data without permission;
11. circumvent Subscription restrictions;
12. resell the Services without permission;
13. use Zirca to facilitate unlawful activity;
14. attempt to gain unauthorised access to Zirca systems;
15. exploit vulnerabilities without authorisation; or
16. assist another person in doing any of the above.

41Fraud and Security

Zirca may implement measures designed to prevent and detect:

• Fraud
• Account takeover
• Identity theft
• Unauthorised access
• Misuse of the Services
• Financial crime
• Other unlawful activity

Where reasonably necessary or legally required, Zirca may:

• Request additional information
• Conduct verification
• Restrict functionality
• Suspend an Account
• Terminate an Account
• Provide information to competent authorities

42Privacy and Data Protection

Zirca’s collection, use, storage and processing of Personal Data are governed primarily by its Privacy Policy and Data Protection Policy.

Because Zirca provides financial-management functionality, Personal Data processed through the Services may include financial information and other information relating to you.

Zirca will process Personal Data in accordance with applicable data-protection law and its applicable privacy documentation.

The Privacy Policy explains, among other matters:

• what information Zirca collects;
• how information is used;
• why information is processed;
• how financial-account connections work;
• how information may be shared;
• how information is secured;
• retention;
• international transfers where applicable;
• data-subject rights; and
• how to contact Zirca about privacy matters.

43Data Provided by Users

You are responsible for ensuring that information you provide to Zirca may lawfully be provided and processed.

Where you provide information relating to another individual or entity, you must have the appropriate authority or lawful basis to provide that information.

You must not knowingly provide information that:

• Is false
• Is unlawfully obtained
• Infringes another person’s rights
• You are prohibited from sharing

44Data Retention and Account Closure

When you close your Account, Zirca may delete Personal Data in accordance with its Privacy Policy and applicable law.

Zirca may retain certain information where reasonably necessary or legally required for purposes including:

• legal compliance;
• regulatory obligations;
• fraud prevention;
• dispute resolution;
• security;
• accounting;
• enforcement of agreements; or
• establishment, exercise or defence of legal claims.

45Communications

Zirca may communicate with you electronically.

Communications may include:

• Account notifications
• Security alerts
• Financial insights
• Goal notifications
• Subscription notifications
• Service updates
• Legal notices
• Administrative communications
• Promotional communications where permitted

You may control certain optional notifications through your Account settings.

46Marketing Communications

Where legally permitted and where any required consent has been obtained, Zirca may send promotional communications concerning:

• Zirca products
• New features
• Subscription plans
• Offers
• Partnerships
• Related Services

You may opt out of promotional communications using the available unsubscribe mechanism.

47Third-Party Services

Zirca may use Third-Party Providers to support the Services.

These may include providers of:

• Financial-account connectivity
• Open Finance
• Authentication
• Payment processing
• Identity verification
• Cloud infrastructure
• Analytics
• Communications
• Security
• Other technology services

Third-Party Services may be subject to separate terms and privacy policies.

Zirca is not responsible for the independent acts or omissions of a Third-Party Provider except to the extent liability cannot lawfully be excluded.

48Financial Institution Availability

Changes to a financial institution’s systems may affect Zirca.

A financial institution may:

• Change its technical interface
• Change authentication requirements
• Restrict data access
• Change the information it makes available
• Experience an outage
• Discontinue an integration

Zirca may therefore be unable to maintain every Connected Account at all times.

49Service Availability

Zirca will use reasonable efforts to maintain availability of the Services.

The Services may be temporarily unavailable because of:

• Maintenance
• Upgrades
• Technical failures
• Cybersecurity incidents
• Third-Party Provider outages
• Financial-institution outages
• Telecommunications failures
• Infrastructure failures
• Regulatory requirements
• Government action
• Circumstances outside Zirca’s reasonable control

50Changes to the Services

Zirca is continuously developing its platform.

We may:

• Add features
• Remove features
• Modify functionality
• Modify interfaces
• Change integrations
• Introduce new products
• Modify usage limits
• Change eligibility requirements
• Discontinue features

Where required by law, Zirca will provide appropriate notice of material changes.

51Beta and Experimental Features

Zirca may provide beta, experimental or early-access features.

Such features may:

• Be incomplete
• Contain errors
• Change
• Have limited functionality
• Be withdrawn
• Operate differently from general-release features

You acknowledge that experimental features may not provide the same level of functionality or reliability as generally available Services.

52Security

Zirca will implement reasonable technical and organisational measures designed to protect its systems and information.

You acknowledge that:

• internet-based services involve inherent risks;
• cybersecurity threats evolve;
• third-party systems may be compromised;
• no authentication mechanism is completely immune from attack; and
• security incidents may occur despite reasonable safeguards.

You are responsible for maintaining reasonable security over your own devices, credentials and connected accounts.

53Suspension and Termination by Zirca

Zirca may suspend or terminate access to the Services where reasonably necessary if:

• you materially breach these Terms;
• you engage in unlawful activity;
• you provide materially false information;
• your Account presents a security risk;
• fraudulent activity is suspected;
• you misuse the Services;
• payment obligations remain unpaid;
• Zirca is legally required to do so; or
• continued provision of the Services becomes unlawful or impracticable.

Immediate action may be taken where reasonably necessary to protect users, Zirca, third parties or comply with law.

54Termination by You

You may stop using Zirca at any time.

You may request closure or deletion of your Account subject to Zirca’s applicable procedures and legal obligations.

Termination does not automatically:

• remove outstanding payment obligations;
• remove obligations accrued before termination; or
• require Zirca to delete information it is legally required to retain.

55Effect of Termination

Upon termination:

• access to the Services may end;
• paid features may become unavailable;
• Connected Accounts may be disconnected; and
• information may be deleted or retained in accordance with applicable law and Zirca’s privacy documentation.

Provisions concerning intellectual property, liability, indemnification, governing law, disputes and other provisions intended by their nature to survive termination will remain effective.

56Disclaimers

To the maximum extent permitted by applicable law, Zirca does not guarantee that:

• the Services will always be available;
• Financial Information will always be complete;
• Financial Information will always be accurate;
• transaction categorisation will always be correct;
• Connected Accounts will always remain connected;
• automated outputs will be error-free;
• AI-generated information will always be accurate;
• forecasts will accurately predict future results;
• investment or cryptocurrency values will be accurate at every moment;
• reports will constitute audited financial statements; or
• use of the Services will produce a particular financial outcome.

57Limitation of Liability

To the maximum extent permitted by applicable law, Zirca will not be liable for indirect, incidental, special or consequential losses arising from your use of the Services.

This may include, to the extent legally permissible:

• loss of profits;
• loss of revenue;
• loss of anticipated savings;
• loss of business opportunity;
• loss of goodwill;
• loss arising from Third-Party Services;
• loss arising from inaccurate third-party information;
• loss resulting from your financial decisions;
• loss resulting from market movements; or
• loss caused by circumstances outside Zirca’s reasonable control.

58Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Zirca and its directors, officers, employees, contractors and affiliates against claims, losses, liabilities, damages and reasonable costs arising from:

• Your material breach of these Terms
• Your unlawful use of the Services
• Fraudulent activity
• Misuse of another person’s information
• Infringement of third-party rights
• Unauthorised access to financial information
• Violation of applicable law

59Force Majeure

Zirca will not be responsible for a failure or delay caused by circumstances outside its reasonable control.

These may include:

• Natural disasters
• War
• Terrorism
• Civil unrest
• Government action
• Regulatory changes
• Telecommunications failures
• Internet outages
• Power failures
• Cybersecurity incidents
• Infrastructure failures
• Financial-institution outages
• Third-Party Provider failures

60Complaints

If you have a complaint, concern or issue regarding Zirca, you should first contact us directly.

Zirca will endeavour to investigate and respond to complaints within a reasonable period.

Where an issue relates specifically to a regulated service provided by a Third-Party Provider, you may also need to follow that provider’s complaints procedure.

61Regulatory Compliance

Zirca intends to operate the Services in accordance with applicable laws and regulations relevant to its activities.

The regulatory requirements applicable to Zirca may change as the Services develop.

Where a feature requires:

• A regulatory licence
• Regulatory approval
• Registration
• An authorised partnership
• Another regulatory permission

Zirca may:

• obtain the relevant authorisation;
• provide the feature through an appropriately authorised Third-Party Provider;
• restrict the feature to eligible users or jurisdictions; or
• delay, modify or discontinue the feature.

62Electronic Communications and Acceptance

You agree that Zirca may communicate with you electronically where legally permitted.

Electronic communications may include:

• Notices
• Agreements
• Account information
• Invoices
• Subscription information
• Service communications
• Other legally relevant communications

Where permitted by applicable law, electronic records and electronic acceptance may be used to evidence your agreement to these Terms.

The UAE’s electronic-transactions framework recognises electronic dealing and provides a legal framework for electronic signatures and electronic records.

63Changes to These Terms

Zirca may amend these Terms from time to time.

Where a change is material, Zirca will provide reasonable notice where required by applicable law.

The revised Terms will state their effective date.

Where legally permitted, continued use of the Services after the effective date constitutes acceptance of the revised Terms.

If you do not agree to a material amendment, you should stop using the affected Services and cancel any applicable Subscription.

64Assignment

You may not transfer or assign your rights or obligations under these Terms without Zirca’s prior written consent.

Provided that doing so does not unlawfully reduce your rights, Zirca may assign or transfer its rights and obligations in connection with:

• A merger
• Acquisition
• Restructuring
• Financing
• Sale of assets
• Corporate reorganisation
• Transfer of the relevant business

65Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable.

If modification is not possible, the provision will be severed.

The remaining provisions will remain in full force and effect.

66No Waiver

A failure by Zirca to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision later.

A waiver must be expressly made in writing.

67Entire Agreement

These Terms, together with the documents expressly incorporated into them, constitute the agreement between you and Zirca concerning your use of the Services.

These documents include, where applicable:

• Privacy Policy;
• Data Protection Policy;
• Cookie Policy;
• Subscription and Pricing information;
• promotional terms;
• Product-Specific Terms; and
• other agreements expressly incorporated into the Services.

68Business and Future Services

Zirca may in the future introduce Services designed for businesses, couples, households, professional users or other user groups.

Where Zirca introduces a Service requiring materially different contractual terms, Zirca may provide separate Product-Specific Terms or a separate agreement.

69Future Regulated Services

Zirca may expand its platform over time.

Future Services may include functionality relating to payments, transfers, financing, lending, marketplaces or other financial services.

The availability of any future Service is subject to:

• applicable law;
• regulatory requirements;
• licensing;
• authorisation;
• commercial availability;
• technical availability; and
• Zirca’s decision to launch the relevant Service.

70Confidentiality

Each party will take reasonable steps to protect confidential information received from the other party.

Confidential information may include non-public:

• business information;
• technical information;
• commercial information;
• security information; and
• other information reasonably understood to be confidential.

Nothing in this section prevents disclosure where required by:

• Law
• Regulation
• Court order
• Competent authority
• Another legal obligation

Personal Data is governed by Zirca’s privacy and data-protection documentation.

71Consumer Rights

Nothing in these Terms is intended to exclude, restrict or waive any mandatory consumer right or protection that cannot legally be excluded.

UAE Federal Law No. 15 of 2020 on Consumer Protection applies to relevant goods and services supplied in the UAE, including applicable services supplied through e-commerce and in free zones.

72Governing Law

These Terms are governed by the laws of the United Arab Emirates, subject to any mandatory provisions of applicable law.

Subject to mandatory jurisdictional rights available to consumers, the courts of the Emirate of Dubai shall have jurisdiction over disputes arising from or relating to these Terms.

73Dispute Resolution

If you have a dispute with Zirca, you should first contact us and provide a reasonable opportunity for the matter to be investigated and resolved.

Zirca will endeavour to resolve disputes in good faith.

Where appropriate, Zirca may offer or agree to an alternative dispute-resolution mechanism.

74Acceptance

By creating an Account, selecting “Accept”, “Agree”, “Sign Up”, “Subscribe” or an equivalent confirmation mechanism, or by accessing or using the Services where legally permitted, you acknowledge and agree that:

1. you have read and understood these Terms;
2. you agree to be legally bound by these Terms;
3. you have the legal capacity to enter into these Terms;
4. the information you provide is accurate and complete;
5. you will use the Services lawfully;
6. you understand that Zirca provides financial-management technology and information;
7. you understand that Zirca’s analytics, insights, forecasts, notifications and AI-generated outputs are not a substitute for professional financial advice;
8. you understand that Financial Information may originate from Third-Party Providers;
9. you understand that financial markets and financial information may change;
10. you understand that Zirca does not guarantee financial outcomes;
11. you understand that Zirca may process financial and other Personal Data in accordance with its Privacy Policy and Data Protection Policy; and
12. you agree to comply with these Terms and all applicable laws.

@Contact Details

Website

www.zirca.co

Email

info@zirca.co

Registered Legal Entity

ZIRCA SOFTWARE SOLUTIONS - FZCO

Registered Address

IFZA Properties, Dubai Silicon Oasis, Dubai, United Arab Emirates

Licence Number

91222