Terms of Service

1. Agreement

By accessing or using Hisabi (“the Service”), operated by Technova Solutions FZCO (“we”, “us”, “our”), a company registered in the United Arab Emirates under freezone trade licence IFZA No. 4900, with its registered office at IFZA, Dubai Silicon Oasis, Dubai, United Arab Emirates, you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Service Description

Hisabi is an AI-assisted invoicing platform designed for UAE freelancers and SMEs. The Service provides invoice creation, expense tracking, AI extraction tools, and a directory of independent UAE tax consultants. Hisabi does not hold, collect, or transfer client funds. Invoices are paid directly through your own bank or payment arrangement with your clients. We may modify, suspend, or discontinue any part of the Service.

3. Hisabi Is Not a Tax Agent or Accredited E-Invoicing Provider

Read this section carefully. Hisabi is a software tool. We are not a tax agent registered with the UAE Federal Tax Authority (FTA), the UK HMRC, the EU Member-State equivalents (DGFiP, BZSt, AdE etc.), the Indian GSTN, the Saudi ZATCA, the U.S. IRS or state revenue departments, or any other tax authority worldwide. We are not an Accredited Service Provider (ASP) under UAE Ministerial Decisions 243 of 2025 and 244 of 2025 relating to the UAE E-Invoicing System, not a French Plateforme de Dématérialisation Partenaire (PDP), not an Indian GST Suvidha Provider (GSP), not a Saudi ZATCA-onboarded Solution Provider, and not a Peppol Authority Access Point. We do not transmit invoices to any tax authority, clearance platform, or Peppol network on your behalf. We do not file VAT, GST, Sales Tax, Corporate Income Tax, Self Assessment, 1099, Excise Tax or any other return with any authority. We do not provide tax, accounting, legal, or financial advice.

Any reference in the Service to VAT, GST, sales tax, TRN, VAT-ID, GSTIN, EIN, FTA fields, EN 16931, ViDA, MTD, ZATCA, e-invoicing, or “tax-ready” output describes formatting and bookkeeping support only. It is not a representation that an invoice is compliant with, accepted by, validated by, or transmitted to any authority. You remain solely responsible for the accuracy of every tax field on every invoice you issue, for filing your returns, and for engaging a qualified, locally-licensed tax professional where advice is required.

3a. Tax Content, Custom Tax Rates and the Registration Attestation

The Service lets you enter a custom tax rate (VAT, GST, sales tax or any local equivalent) and a custom tax label, and to attest in Settings that you hold a valid tax-registration certificate from the relevant tax authority. This attestation is recorded with a timestamp solely for our audit trail.

By ticking the attestation, you represent and warrant that: (i) your business is lawfully registered for the tax you have configured in your country and any other jurisdiction where you charge it; (ii) you are entitled to issue tax invoices and to collect the rate(s) you have configured; (iii) you will keep your registration current and update your settings if your status changes; and (iv) any tax-ID number you enter (TRN, VAT-ID, GSTIN, EIN, ABN, etc.) is your own and is genuine.

Hisabi does not verify, validate, audit or guarantee any tax registration, tax-ID number, rate you set, label you choose, or invoice you issue. You alone are liable for any underpayment, overpayment, mis-collection, penalty, fine, interest, criminal charge, civil claim, customer chargeback, regulatory enforcement action or other consequence arising from charging tax without a valid registration, charging an incorrect rate, issuing an invalid tax invoice, or representing yourself as a registered taxpayer when you are not. You agree to indemnify and hold harmless Hisabi, Technova Solutions FZCO, our affiliates, officers, employees and agents from and against any claim, loss, fine, penalty, demand, cost or expense (including reasonable legal fees) arising from your use of custom tax rates, the tax-registration attestation, or any tax invoice you generate through the Service.

If you have not ticked the attestation, the Service will issue invoices with a 0% tax line. You must not manually re-enable tax lines, edit PDFs after export, or otherwise circumvent this control to charge tax without a valid registration. Doing so is a material breach of these Terms, may constitute tax fraud in your jurisdiction, and may be reported to the relevant tax authority and law-enforcement bodies.

4. Tax Consultant Marketplace

The Service includes a directory of independent third-party tax consultants. Hisabi is a listing and introduction platform only. We do not employ, supervise, license, or control listed consultants. We do not warrant their qualifications, advice, fees, timeliness, or outcomes. When you engage a consultant through Hisabi, you contract directly with that consultant on their terms. Hisabi may receive a referral or listing fee from consultants and discloses this relationship here for transparency. Disputes about consultant services are between you and the consultant; Hisabi is not a party to those services and accepts no liability for them.

5. User Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials and for all activity under your account. You must be at least 18 years old to use the Service.

6. Acceptable Use

You agree not to: (a) use the Service for illegal activities; (b) upload malicious content; (c) attempt to gain unauthorized access to our systems; (d) use the Service, including any AI feature, to generate fraudulent, forged, or misleading invoices, receipts, or documents; (e) impersonate another business, redirect payment to an account that is not the supplier's, or facilitate business email compromise, supplier-impersonation, wire-fraud, or phishing; (f) scrape or resell the Service without authorization; (g) use the Service to harass or spam recipients of invoices or payment reminders.

7. Your Representations When Generating an Invoice

Each time you generate or send an invoice using the Service, you represent and warrant that: (a) the invoice content is true and accurate to the best of your knowledge; (b) you have authority to issue the invoice on behalf of the named supplier; (c) the transaction described actually occurred or is genuinely intended; (d) you will not use Hisabi to impersonate a business you do not own or control, to redirect payment to an account that is not the supplier's, or to facilitate business email compromise, wire-fraud, or phishing. You are solely responsible for how any generated invoice is used, sent, or represented to a recipient. You agree to indemnify and hold Hisabi, Technova Solutions FZCO, and their officers harmless from any claim, loss, fine, or third-party demand arising out of an invoice or document you generate, send, or share through the Service, including claims by recipients who relied on such an invoice. We may investigate, suspend, or terminate access, and cooperate with law enforcement, where we have reason to believe the Service has been used in breach of this section.

Our position.Hisabi is a document-generation tool. We do not verify the identity of users who create invoices, the accuracy of any invoice content, the existence of the transaction the invoice describes, or the legitimacy of banking details shown on the invoice. We do not authorise, endorse, or vouch for any user or for any invoice generated with the Service. A Hisabi-generated invoice is not evidence of a real transaction, an approved supplier, or validated payment instructions. Recipients of any invoice generated using Hisabi should independently verify the supplier's identity and banking details through a channel they already trust, not via details contained in the invoice.

If you have received a Hisabi-branded invoice that looks suspicious, please report it at hisabi.ai/report-abuse.

8. AI Features Disclaimer

The Service includes AI-assisted features such as natural-language invoice creation, email extraction, image and receipt extraction, voice-note extraction, bulk invoice and expense extraction, and smart payment-reminder drafting. AI output is generated probabilistically and may be incorrect, incomplete, biased, or fabricated. Confidence indicators shown in the Service are guidance only and do not guarantee accuracy. You must review and verify every AI-generated field, amount, party name, banking detail, tax line, and message before saving, sending, or relying on it. We do not guarantee the accuracy, completeness, or fitness for purpose of any AI-generated output. AI-generated content is not legal, tax, or financial advice.

8a. Payment Reminders and Collections

The Service can schedule and send automated payment reminders (“reminders”) to the clients you invoice — for example a reminder shortly before the due date, a due-date reminder, and escalating follow-ups after an invoice becomes overdue. This section governs that feature and applies in addition to Sections 6, 7 and 8.

You are the sender.Every reminder is sent by you, in your name and on your behalf, using your business details. You are the sole originator and, for data-protection purposes, the sole data controller of each reminder and of your clients' contact details. Hisabi provides the software and the email-delivery infrastructure and acts only as your tool and processor for that limited purpose; the reminder is your communication, not ours.

Your warranties. Each time a reminder is scheduled or sent, you represent and warrant that: (a) the underlying debt is genuine, accurately stated, and due and payable by the recipient; (b) the recipient is the correct debtor and you have a lawful basis to contact them at the address you provided; (c) sending automated payment reminders to that recipient is lawful in their jurisdiction, including any applicable anti-spam, electronic-communications, debt-collection, harassment, and consumer-protection rules; and (d) you hold any consent those rules require.

Hisabi is not a debt collector. Hisabi and Technova Solutions FZCO are not a debt-collection agency, a collections bureau, or a party to the debt, and do not act as your agent in recovering it. We do not purchase, own, guarantee, or take assignment of any debt; we do not contact recipients on our own initiative; and we do not decide whether, when, or how firmly you chase — those choices are yours. We charge only for the software subscription and take no percentage of, or success fee on, any amount you recover — our fee does not depend on whether your client pays. Nothing in the Service is legal advice about debt recovery.

Frequency, tone and content limits. Reminders follow a bounded, escalating schedule and are rate-limited by the Service. You must not use reminders to harass, intimidate, or repeatedly contact a recipient beyond the cadence the Service permits, and you must not send content that threatens litigation, criminal proceedings, arrest, credit-blacklisting, or other legal or enforcement action, that misstates the amount owed, or that is abusive, deceptive, or defamatory. We may cap sending volume, throttle, or suspend reminders to protect email deliverability and recipients.

AI-drafted content is yours to review. Reminder text may be drafted by AI and, as set out in Section 8, may be inaccurate. By default reminders are held for your review before they are sent; the Service lets you review the reminder templates and each drafted message. If you enable automatic sending for a client, you do so at your own risk and remain fully responsible for every reminder sent on your behalf, including its wording, tone, timing, and accuracy. You are responsible for ensuring each reminder is truthful and appropriate before it is sent.

Indemnity. In addition to the other indemnities in these Terms, you agree to indemnify and hold harmless Hisabi, Technova Solutions FZCO, and their affiliates, officers, employees and agents from and against any claim, loss, fine, penalty, demand, cost or expense (including reasonable legal fees) arising out of or relating to any reminder scheduled or sent through the Service — including its content, tone, frequency or timing, the accuracy or enforceability of the underlying debt, and any complaint, objection, or regulatory action by a recipient or authority in connection with it.

9. Subscription Billing and Refunds

Free accounts are subject to usage limits. Paid plans, listed at our pricing page in your local currency, are billed via Stripe for access to the Hisabi platform only. Hisabi does not act as a payment processor for your client invoices. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.

Automatic renewal. Paid subscriptions renew automatically at the end of each billing period (monthly or annual, as you selected), and the payment method on file is charged the then-current fee for your plan, until you cancel. You may cancel at any time from your account settings or by contacting us; cancellation stops the next renewal and takes effect at the end of the current period. For annual plans we send a renewal reminder by email before the card is charged. Applicable taxes may be added at checkout.

7-day cooling-off. If you are a first-time subscriber on a monthly paid plan, you may request a full refund within 7 days of the initial charge by contacting us at the address in Section 17. After this 7-day window, monthly fees are non-refundable for partial billing periods. Annual plans, add-on credits, and consultant referral fees are non-refundable once consumed. Refund requests for service outages are evaluated on a case-by-case basis and credits, where granted, are issued against future fees.

EEA / UK consumers — 14-day right of withdrawal. If you are a consumer (an individual acting wholly or mainly outside your trade, business, craft or profession) resident in the European Economic Area or the United Kingdom, you have a statutory right to withdraw from your purchase of a paid plan within 14 days of the day the contract is concluded, without giving any reason, under the EU Consumer Rights Directive 2011/83/EU and, in the UK, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. To withdraw, tell us within the 14-day period using the contact details in Section 17 (a clear statement or the model withdrawal form is enough). We will refund all payments received without undue delay and within 14 days of being informed.

Because the paid Service is digital content and online functionality supplied immediately, at checkout we ask you to consent to us starting to provide it during the 14-day period and to acknowledge that you lose the right of withdrawal once it has been fully performed. Where you have given that consent and we have begun supplying the Service, your right of withdrawal ends when the Service has been fully performed; where it has been only partly performed, you may still withdraw but we may charge a proportionate amount for what you used before withdrawing. This 14-day right prevails over the 7-day window above wherever it gives you more protection; the 7-day no-questions-asked refund remains available to all eligible customers worldwide as an additional goodwill policy.

10. Founding Cohort Pricing

Users who subscribe under an explicitly labelled Founding Cohort or early-access offer keep their original published price for as long as their subscription remains active and in good standing, even if standard pricing later changes. Grandfathered pricing does not survive cancellation, downgrade to Free, payment failure that goes unresolved for more than 14 days, or material plan changes. We may adjust grandfathered pricing where required by law, taxation, or the underlying payment processor.

11. Service Availability and SLA

Free accounts are provided on an “as is” and “as available” basis with no service-level commitment. On paid plans we use commercially reasonable efforts to keep the Service available, but we do not guarantee any specific uptime percentage, response time, or recovery time. The Service may be unavailable due to maintenance, third-party outages (including AWS, Stripe, Google AI, and email providers), or events beyond our reasonable control.

12. Account Suspension and Termination

We may suspend or terminate your account, immediately and without refund, where we reasonably believe you have: (a) breached these Terms or the Acceptable Use section; (b) generated or sent fraudulent, forged, impersonated, or misleading invoices; (c) been the subject of credible fraud, business email compromise, or supplier-impersonation reports; (d) failed to pay fees due; (e) created risk to other users, recipients, or the Service. We may also terminate your account for convenience on 30 days' notice. On termination you may, for 30 days, request export of your invoice and account data in a structured, commonly used, machine-readable format. After that window we may delete your data subject to the retention rules described in our Privacy Policy.

13. Intellectual Property

The Service, including its design, code, prompts, and AI integrations, is the property of Technova Solutions FZCO. You retain ownership of all data and content you upload. By using the Service, you grant us a limited, non-exclusive, worldwide license to host, process, transmit, and display your content solely to provide and improve the Service.

14. Limitation of Liability

To the maximum extent permitted by UAE law, Technova Solutions FZCO shall not be liable for any indirect, incidental, special, punitive, or consequential damages, lost profits, lost revenue, lost data, regulatory fines, or third-party claims arising from your use of the Service, from AI-generated output, or from services provided by any tax consultant listed in our marketplace. Our total aggregate liability shall not exceed the fees you have paid us in the 12 months preceding the event giving rise to the claim, or USD 100, whichever is greater. Nothing in these Terms limits liability that cannot lawfully be limited under UAE law.

15. Force Majeure

Neither party is liable for failure or delay in performance caused by events beyond reasonable control, including acts of God, war, terrorism, civil unrest, government action, regulatory change, pandemic, internet or telecommunications failure, cloud-provider outage, AI-provider outage, or denial-of-service attack.

16. Governing Law

These Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai. Any disputes shall be resolved in the courts of Dubai, UAE.

17. Contact

For questions about these Terms, contact us at legal@hisabi.ai or via codenovai.com.