Terms of Service
Terms of Service
Effective Date: [Insert Effective Date]
Last Updated: [Insert Last Updated Date]
These Terms of Service govern your access to and use of the Smart Pocket website, application, dashboard, and related products and services.
Smart Pocket is operated by [Insert Legal Company Name], established in the United Arab Emirates.
By creating an account, accessing the platform, or using any Smart Pocket service, you agree to these Terms. If you do not agree, you must not use Smart Pocket.
1. About Smart Pocket
Smart Pocket is a personal-finance management platform designed to help users organise and monitor information such as:
Income and expenses
Financial accounts
Budgets
Transactions
Recurring payments
Loans and repayments
Reimbursements and settlements
Financial information managed for other people
Reports, reminders, and financial summaries
AI-assisted entries and related features
Smart Pocket is a software-management tool. It is not a bank, financial institution, investment adviser, accounting firm, tax adviser, credit provider, or legal adviser.
2. Eligibility
You may use Smart Pocket only if:
You are legally capable of entering into a binding agreement
The information you provide is accurate and complete
Your use is permitted under applicable law
You have not previously been suspended or prohibited from using the service
If you use Smart Pocket on behalf of a business or another person, you confirm that you have authority to do so.
3. Account Registration
You are responsible for:
Providing accurate account information
Keeping your information current
Maintaining the confidentiality of your password
Protecting access to your email address and devices
All activity performed through your account
Notifying us promptly of suspected unauthorised access
You must not share credentials, impersonate another person, or create accounts using false or misleading information.
We may require email verification, identity verification, or additional security checks.
4. Acceptable Use
You must not:
Use Smart Pocket for unlawful, fraudulent, deceptive, or abusive purposes
Attempt to gain unauthorised access to accounts, systems, or data
Interfere with platform security or availability
Introduce malware, harmful code, or automated attacks
Reverse engineer or improperly copy the platform
Scrape or harvest data without permission
Circumvent usage limits, subscriptions, or security controls
Upload content that infringes third-party rights
Use the service to conceal illegal financial activity
Misrepresent Smart Pocket as a banking or regulated financial service
Use another person’s information without lawful authority
We may investigate suspected misuse and suspend or terminate access where reasonably necessary.
5. Financial Information and No Financial Advice
Smart Pocket displays information based primarily on data entered, imported, uploaded, or authorised by you.
We do not guarantee that:
Entries are complete or accurate
Calculations match bank, tax, accounting, or legal records
Currency conversions are identical to financial-market or banking rates
Reports are suitable for regulatory, tax, audit, investment, or lending purposes
Alerts or reminders will always be delivered on time
Information presented through Smart Pocket is for organisational and informational purposes only.
Nothing on the platform constitutes financial, investment, tax, accounting, credit, insurance, or legal advice. You should obtain independent professional advice before making important financial decisions.
6. User Data and Content
You retain ownership of information and content you submit to Smart Pocket.
You grant us a limited right to host, process, reproduce, transmit, format, and display that content only as necessary to:
Provide the service
Operate platform features
Generate reports and summaries
Maintain security
Troubleshoot problems
Comply with applicable law
You confirm that you have the right to provide any information relating to another person.
You are responsible for the accuracy, lawfulness, and appropriateness of content you enter or upload.
7. Managed People, Shared Spaces, and Third-Party Information
Certain features may allow you to manage expenses, accounts, or records for family members, friends, employees, clients, or other people.
You are responsible for:
Obtaining any required consent
Using their information lawfully
Ensuring appropriate access permissions
Avoiding unauthorised disclosure
Correcting or deleting information when required
Smart Pocket does not independently verify your authority to manage another person’s information.
8. AI-Assisted Features
Smart Pocket may offer AI-assisted entry, voice processing, categorisation, recommendations, summaries, or other automated functionality.
AI-generated outputs may be incomplete, inaccurate, delayed, or unsuitable for your circumstances.
You must review all AI-generated entries and suggestions before relying on or saving them.
You remain responsible for:
Confirming transaction details
Checking amounts and categories
Reviewing generated reports
Correcting errors
Making all financial decisions
We do not guarantee the accuracy or availability of AI features.
9. Subscriptions, Trials, and Payments
Smart Pocket may offer free and paid plans.
Paid features may be subject to:
Subscription fees
Usage limits
AI-credit limits
Storage limits
User or account limits
Trial periods
Renewal terms
Prices, plan features, and billing intervals will be displayed before purchase.
Unless stated otherwise:
Fees are charged in advance
Subscriptions may renew automatically
You are responsible for applicable taxes and charges
Failure to pay may result in restricted or suspended access
Changing plans may affect available features or limits
Additional payment and cancellation terms shown during checkout form part of these Terms.
10. Cancellation and Refunds
You may cancel a paid subscription through your account settings or the applicable payment platform.
Cancellation generally prevents future renewal but does not automatically refund amounts already paid.
Refunds, where applicable, will be handled according to:
The plan terms shown at purchase
Applicable consumer-protection requirements
Payment-processor rules
Any separate refund policy published by Smart Pocket
We do not guarantee refunds for partial billing periods, unused credits, or failure to use the service unless required by law.
11. Currency and Exchange Rates
Smart Pocket may convert or display amounts in different currencies.
Exchange rates may come from external providers and may be:
Delayed
Estimated
Historical
Rounded
Different from bank or card-provider rates
Converted values are informational and should not be treated as settlement, accounting, tax, banking, or foreign-exchange quotations.
12. Reports and Exports
Reports, summaries, PDF files, CSV exports, charts, and other generated materials are based on available platform data.
You are responsible for reviewing exports before providing them to:
Accountants
Tax authorities
Banks
Lenders
Auditors
Government authorities
Other third parties
Smart Pocket is not responsible for decisions made using incomplete or inaccurate exported information.
13. Service Availability
We aim to keep Smart Pocket available and reliable, but we do not guarantee uninterrupted or error-free operation.
The service may be unavailable because of:
Maintenance
Updates
Hosting interruptions
Network failures
Security incidents
Third-party provider outages
Events beyond our reasonable control
We may modify, suspend, discontinue, or replace features where reasonably necessary.
14. Third-Party Services
Smart Pocket may depend on third-party services, including:
Hosting providers
Authentication services
Database providers
Email providers
Payment processors
AI providers
Analytics providers
Currency-rate providers
We are not responsible for third-party outages, policies, accuracy, security, or service changes beyond our reasonable control.
Your use of certain third-party services may also be subject to their terms and policies.
15. Intellectual Property
Smart Pocket, including its software, interface, branding, designs, documentation, text, graphics, and proprietary technology, is owned by or licensed to us.
You receive a limited, non-exclusive, non-transferable, revocable right to use the platform for its intended purposes.
You may not reproduce, resell, sublicense, modify, distribute, or commercially exploit Smart Pocket without written permission.
16. Suspension and Termination
We may suspend, restrict, or terminate your access if:
You breach these Terms
You fail to pay applicable fees
Your activity creates legal, security, or operational risk
We suspect fraud or unauthorised use
We are required to do so by law
The service or relevant feature is discontinued
You may stop using Smart Pocket and request account deletion at any time, subject to legal retention obligations.
Termination does not remove obligations or liabilities that arose before termination.
17. Disclaimers
To the extent permitted by law, Smart Pocket is provided on an “as available” and “as is” basis.
We do not warrant that:
The service will always be available
Every feature will be error-free
All data will be accurate or complete
Alerts will always be delivered
The service will meet every user’s needs
Third-party integrations will remain available
Nothing in these Terms excludes rights or protections that cannot legally be excluded.
18. Limitation of Liability
To the fullest extent permitted by applicable law, we will not be liable for indirect, incidental, special, consequential, or punitive losses, including:
Loss of profit
Loss of opportunity
Loss of anticipated savings
Loss of business
Loss or corruption of data
Financial decisions made using platform information
Third-party service failures
Where liability cannot be excluded, our total liability relating to the service will be limited to the amount you paid to Smart Pocket during the twelve months immediately preceding the event giving rise to the claim, unless applicable law requires otherwise.
19. Indemnity
To the extent permitted by law, you agree to indemnify and hold Smart Pocket, its operator, officers, employees, and service providers harmless from claims, losses, damages, and expenses arising from:
Your misuse of the service
Your breach of these Terms
Content or data submitted by you
Your violation of another person’s rights
Your unlawful handling of third-party information
20. Changes to the Service or Terms
We may update the platform or these Terms from time to time.
The updated Terms will show a revised “Last Updated” date. Where changes are material, we may provide additional notice.
Continued use after the effective date of updated Terms constitutes acceptance of those changes, to the extent permitted by law.
21. Governing Law and Disputes
These Terms are governed by the applicable federal laws of the United Arab Emirates and the laws applicable in the Emirate of Sharjah.
The courts of Sharjah, United Arab Emirates, will have jurisdiction over disputes, unless applicable law requires another forum.
Before commencing formal proceedings, the parties should attempt in good faith to resolve the dispute through written communication.
22. Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect.
23. Entire Agreement
These Terms, together with the Privacy Policy and any plan-specific or payment terms, constitute the agreement between you and Smart Pocket regarding use of the service.
24. Contact Us
For questions about these Terms, contact:
Smart Pocket
Legal Entity: [Insert Legal Company Name]
Email: saaspersonalexp@gmail.com
Telephone: +971 50 832 2799
Address: Al Majaz 2, Sharjah, United Arab EmiratesUse this page to manage your Terms of Service content