Terms & Condition

2.1 Eligibility

• Natural persons aged 18 or older;
• Legal entities represented by authorized individuals;
• Users not restricted by applicable laws in the UAE, KSA, or their jurisdiction of residence.

By registering, you confirm that you meet the above eligibility criteria.

2.2 Account Creation

• Valid email address and mobile number;
• Creation of a secure password;
• Acceptance of these Terms and referenced policies.

2.3 User Responsibilities

• Keep login credentials confidential;
• Maintain accurate and current account details;
• Immediately notify Incorpify of any actual or suspected security breach.

2.4 Multi-User Access

For business accounts, the primary account holder (the "Organizer") may invite additional users to access the Platform as "Viewers" or "Editors." Organizers can:

• Assign, revoke, or modify access roles; Track user permissions within their business profile;
• Track user permissions within their business profile;
• Remain ultimately responsible for all actions taken by invited users.

Role-specific rights are further defined within the Platform.

2.5 Account Suspension or Termination

Incorpify may suspend or permanently terminate any account that:

• Breaches these Terms;
• Attempts to manipulate, disrupt, or misuse the Platform;
• Fails to comply with lawful data requests or verification processes.

Upon termination, no further access to the account or its data is provided. No data export or recovery options are guaranteed.

2.6 Data Management & Storage

Company-related data generated through Incorpify’s platform (e.g., incorporation documents, filings, tax certificates) must be retained for 10 years, in line with regulatory requirements in the UAE and KSA.

All other user-generated data, including login metadata, chat history, and queries posed to AI agents, is treated with strict confidentiality and stored in accordance with our Privacy Policy. These records are not shared with external parties unless required by law.

Incorpify's AI and data infrastructure is hosted on Microsoft Azure, which handles AI processing, vector storage, and backend orchestration. All AI outputs are generated within Microsoft Azure's secure and compliant architecture. No separate data transfer agreements are required.

3.1 Scope of Services

Incorpify offers an integrated suite of business services, primarily for the UAE, KSA, and select international jurisdictions. These include but are not limited to:

• Company Incorporation (Mainland, Free Zone, Offshore)
• Accounting and Tax Filing (VAT, Corporate Tax, FP&A)
• Payroll and Insurance Setup
• Trademark Registration and IP Protection
• Visa and Residency Services
• Banking, IBAN, and Financial Account Setup
• Document Automation and Licensing Compliance
• Real-Time Business Intelligence and Advisory

3.2 AI-Enabled but Human-Supported Delivery

While the Platform is built around artificial intelligence for speed and efficiency, many core services are executed or validated by qualified human operators. This includes:

• Document review and submission;
• Regulatory interpretation;
• Government interactions;
• Personalized client support.

AI outputs serve as guidance but do not replace licensed legal, accounting, or regulatory professionals where applicable.

3.3 AI Capabilities and Limitations

The AI agents embedded within Incorpify can:

• Answer incorporation, tax, and compliance queries;
• Generate personalized reports and estimates;
• Trigger onboarding workflows;
• Integrate data from connected accounts or API sources.

All AI responses are provided "as is" and may be augmented or overridden by human review. Incorpify makes no warranty regarding the accuracy, completeness, or outcome of AI-generated content.

3.4 Use of Third-Party Systems

Incorpify connects to third-party government and financial systems, including:

• Ministry of Economy (UAE), FTA, GAZT, and other regulators;
• Microsoft Azure for AI operations;
• Banking, insurance, legal, and payroll platforms.

Incorpify is not responsible for downtime, data issues, or limitations stemming from third-party systems.

3.5 Jurisdictional Limitations

Certain services are restricted or unavailable based on jurisdiction. Features may be adapted or withheld due to:

• Legal or regulatory restrictions;
• API or system access constraints;
• Country-specific onboarding requirements.

Users will be notified of any jurisdiction-specific exclusions during onboarding or service activation.

4.1 Lawful and Responsible Use

You agree to use the Platform in compliance with all applicable laws, including but not limited to:

• Local incorporation and tax laws;
• UAE and KSA commercial and anti-money laundering regulations;

International sanctions and export control restrictions. You may not use the Platform:

• To engage in illegal, deceptive, or fraudulent activities;
• To instruct the AI agents in ways that promote unlawful behavior (e.g., tax evasion);
• To attempt unauthorized access to Incorpify systems or data.

4.2 Information Accuracy

You are solely responsible for ensuring that all data provided to Incorpify (including personal data, company documents, financial records, and identification) is:

• Accurate, complete, and up to date;
• Not misleading, forged, or manipulated;

Failure to provide truthful or complete information may result in:

• Suspension of your account;
• Refusal of service delivery;
• Reporting to regulatory authorities where legally required.

4.3 Prohibited Conduct

You must not:

• Misuse, reverse-engineer, or interfere with the Platform or its AI components;
• Operate multiple accounts or impersonate others without permission;
• Bypass service eligibility requirements or verification checks;
• Upload, share, or submit malicious code or harmful content;
• Resell, replicate, or redistribute access to Incorpify's systems or services.

4.4 AI Misuse Policy

You agree not to:

• Use AI agents to generate harmful or unlawful instructions;
• Inject prompts designed to manipulate agent behavior outside its intended use;
• Rely on AI output as a substitute for professional legal, financial, or tax advice.

Incorpify may log AI interactions for quality control, fraud prevention, and regulatory compliance.

4.5 Cooperation with Audits

Upon request, you agree to cooperate with Incorpify in any investigation or compliance audit, including:

• Providing documentation or clarifications;
• Verifying your identity or business ownership;
• Confirming usage patterns.

Failure to cooperate may lead to restricted access or full termination of service.

5.1 Pricing Model

Incorpify charges:

• Subscription Fees for access to platform features and AI services;
• Service Fees for incorporation, licensing, tax registration, visa processing, document handling, and other business services.

All pricing is transparently displayed within the Platform prior to confirmation of payment.

Pricing is subject to change.

5.2 Payment Terms

• Payments must be made in AED, SAR, USD, or another accepted currency.
• Supported methods include credit/debit cards, bank transfers, and regional gateways.
• Services begin only after full payment is received.
• Payment confirms binding acceptance of related service terms.

A proforma invoice is issued before payment. Upon successful payment, a final tax invoice is generated and delivered to the user automatically. This process aligns with UAE and KSA invoicing standards.

5.3 Refund and Credit Policy

All payments made to Incorpify are non-refundable, except in limited cases where service delivery fails entirely due to an internal operational error or a force majeure event, as defined under applicable law.

Where a refund is approved:

• No cash refunds will be issued;
• A credit balance equal to the original amount may be applied to future services at Incorpify’s discretion;
• Credits are non-transferable and valid for 12 months from issuance.

Refunds or credits will not be granted in the following cases:

• Delays, non-delivery, or rejection caused by incomplete, inaccurate, or untimely information or documentation provided by the user;
• Any denial, revision, or procedural delay resulting from government authorities, banks, free zones, or regulators, regardless of reason;
• Change of mind or voluntary cancellation after service activation;
• Dissatisfaction with AI-generated content, platform suggestions, or automated reports, which are informational and not advisory in nature.

Incorpify considers a service to be initiated once a case is assigned to an operator or documents are submitted for review or processing.

5.4 Discounts and Promotions

Discounted pricing may apply through approved promotions or referral programs. These do not affect the enforceability of these Terms, and all services under a discount remain non-refundable under the same policy.

Misuse of promotional systems (e.g., fake referrals) may result in immediate account suspension.

5.5 Taxes and Banking Charges

All amounts are exclusive of VAT or similar taxes unless explicitly stated. Users are responsible for:

• Applicable VAT, CT, or other regulatory charges;
• Any bank, transfer, or foreign exchange fees incurred.

5.6 Failed or Disputed Payments

Incorpify reserves the right to:

• Suspend or cancel services in the case of failed payments;
• Withhold access until payment resolution;
• Take legal or collection action if disputes are not resolved in good faith.

6.1 Platform Ownership

All content, software, architecture, and functionalities available on the Platform—including but not limited to AI agents, workflows, algorithms, UX/UI components, texts, images, code, and databases—are the exclusive property of Incorpify AI Holdings Ltd or its licensors.

No rights or ownership are transferred to the User by virtue of account creation or service usage.

6.2 User License

Incorpify grants each registered User a limited, non-exclusive, non-transferable, and revocable license to:

• Access and use the Platform for personal or internal business purposes;
• Interact with AI agents and dashboards;
• Download, view, and store documents and outputs generated through the Platform.

This license does not permit:

• Commercial resale or redistribution;
• Reverse-engineering or copying Platform components;
• Extracting training data, prompts, or proprietary methods from AI interactions.

6.3 Generated Content and Documents

All official business records and filings (e.g., trade licenses, tax certificates, visa documents) generated through the Platform and issued by competent authorities are the property of the User or their company.

Incorpify retains a license to store and access such data solely to:

• Fulfill regulatory obligations;
• Provide continued service (e.g., renewals, compliance tracking);
• Maintain system integrity and support.

AI-generated content (e.g., advisory outputs, forecast reports) is informational. Users are responsible for verifying such output before taking action.

6.4 Trademarks and Branding

“Incorpify”, its logos, domain, visual identity, and all related brand assets are protected under international trademark and copyright laws.

Users may not use Incorpify's name or marks without prior written approval, except to refer to Incorpify as a service provider.

7.1 Data Collection and Processing

Incorpify collects and processes personal and business data in order to:

• Provide platform functionality;
• Fulfill service requests (e.g., company formation, tax registration);
• Comply with legal and regulatory obligations;
• Improve AI performance and service delivery.

Data categories include:

• User identity and contact details;
• Uploaded documents;
• AI interaction logs;
• Transaction records
• Company formation and compliance data.

All processing is governed by our Privacy Policy and applicable laws.

7.2 Regulatory Storage Requirements

For users operating in the UAE and KSA, Incorpify is legally required to retain company-related data (e.g., incorporation records, tax filings, compliance documentation) for 10 years, even after account termination.

This storage is mandatory and not subject to user deletion requests unless explicitly allowed by local law.

7.3 Other User Data

Data that is not part of official company records (e.g., chatbot queries, session logs, login data) is treated with strict confidentiality and is:

• Not sold or shared with external parties;
• Only accessible internally for security, training, and compliance purposes;
• Erased upon account deletion unless otherwise required by law.

AI-generated content (e.g., advisory outputs, forecast reports) is informational. Users are responsible for verifying such output before taking action.

7.4 AI Infrastructure and Hosting

All AI services are processed through Microsoft Azure, which acts as Incorpify’s infrastructure provider. This includes:

• Natural language processing;
• Data indexing and retrieval;
• Vector-based search and recommendations.

Microsoft Azure provides enterprise-grade security and compliance (ISO, SOC, GDPR, etc.). Users acknowledge that AI outputs are generated within this secure ecosystem.

No separate user agreement with Microsoft is required.

7.5 Data Rights and Access

In accordance with GDPR and other applicable data protection laws:

• Users may access, correct, or download their data at any time via the dashboard;
• Requests for data rectification or deletion (where permitted) can be submitted to [privacy@incorpify.ai].

Some restrictions apply in case of regulatory retention requirements.

7.6 Cookies and Tracking

Incorpify uses cookies and similar technologies to:

• Authenticate sessions;
• Measure platform usage and engagement;
• Personalize user experience.

Detailed information is provided in our Cookie Policy.

8.1 AI Functionality and Use

Incorpify provides services powered by artificial intelligence, including but not limited to:

• Business setup guidance;
• Tax and accounting estimations;
• Document generation;
• Regulatory insights and alerts.

These AI agents are tools that assist users in decision-making, but do not replace licensed legal, financial, or accounting advice. Users are solely responsible for verifying the relevance and accuracy of AI-generated content.

8.2 No Guarantees or Outcomes

Incorpify does not warrant that:

• AI-generated outputs are accurate, complete, or up to date;
• The Platform will operate without interruption, bugs, or errors;
• Regulatory bodies will accept filings or applications submitted through the Platform.

All services are provided “as is,” without any express or implied warranties.

8.3 Limitation of Liability

To the fullest extent permitted by law, Incorpify and its affiliates shall not be liable for:

• Any indirect, incidental, or consequential damages;
• Loss of revenue, profit, data, or business opportunities;
• Errors, delays, or rejections caused by user inaction or external authorities.

Total liability for any claim arising from the use of the Platform will not exceed the total amount paid by the User for the specific service that caused the dispute.

8.4 Force Majeure

Incorpify shall not be held responsible for failures or delays caused by events beyond its reasonable control, including but not limited to:

• Governmental restrictions or changes in regulations;
• Technical failures, cyberattacks, or hosting downtime;
• Natural disasters, pandemic-related delays, or labor disputes.

9.1 Termination by User

You may terminate your account at any time by:

• Accessing your account settings and selecting "Delete Account"; or
• Submitting a formal request to support@incorpify.ai.

Termination is immediate and irreversible. All access to platform services, chat history, AI outputs, and documents will be permanently disabled. No refund or credit is provided unless explicitly stated under Section 5.

Company-related data required under UAE or KSA law will continue to be stored for 10 years, even after account termination.

9.2 Termination or Suspension by Incorpify

Incorpify reserves the right to suspend or terminate any account without prior notice if:

• These Terms are breached;
• There is suspicion of fraudulent activity, impersonation, or regulatory noncompliance;
• The user uploads false information or manipulates AI responses in violation of Section 4.

Suspension may be temporary or permanent depending on the nature of the violation.

9.3 Impact of Termination

Upon termination:

• Platform access is revoked;
• AI interaction logs and non-company data will be deleted, subject to regulatory constraints;
• Company-related records will be archived in compliance with Section 7.2.

Incorpify is not liable for any loss of data, business interruption, or service denial resulting from a user-initiated or system-enforced termination.

10.1 Applicable Law

These Terms and all disputes arising out of or relating to the use of the Platform shall be governed by and construed in accordance with the laws of the Abu Dhabi Global Market (ADGM).

10.2 Jurisdiction

Any dispute, controversy, or claim arising out of or in connection with these Terms, including their validity, breach, or termination, shall be subject to the exclusive jurisdiction of the courts of ADGM.

If you are accessing the Platform from outside the UAE, you remain solely responsible for compliance with local laws and regulations.

10.3 Cross-Border Users

For users located in KSA or other jurisdictions, these Terms are enforceable subject to applicable local consumer protection and e-commerce regulations. However, Incorpify does not consent to foreign jurisdiction unless required under mandatory law.

11.1 Entire Agreement

These Terms, along with the Privacy Policy, Cookie Policy, and any applicable service-specific terms, constitute the entire agreement between you and Incorpify regarding use of the Platform. They supersede any prior agreements, communications, or understandings.

11.2 Assignment

You may not assign or transfer your rights or obligations under these Terms without prior written consent from Incorpify.

Incorpify may assign its rights and obligations to any affiliate, successor, or acquirer without notice, provided such transfer does not materially affect your rights under these Terms.

11.3 Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be deemed severed and the remainder of the Terms shall remain in full force.

11.4 Waiver

Failure by Incorpify to enforce any right or provision under these Terms shall not be deemed a waiver of such right or provision unless expressly stated in writing.

11.5 Language

These Terms are drafted in English and shall be the sole language of interpretation. Translations, if provided, are for reference only.

11.6 Data Processing Agreement

Where applicable, the processing of personal data by Incorpify on behalf of users is governed by the Data Processing Agreement (DPA), which forms an integral part of these Terms by reference.