1. Definitions

In this document the following terms have the meanings given below:

• Service: the Jibiyar mobile and desktop apps, the jibiyar.com website, and all related services.
• Provider: the legal entity providing the service, referred to here as "we".
• User: the person who creates an account or uses the service, referred to here as "you".
• Account: the account created and authenticated with your mobile number or email address.
• User content: any data you enter or that is extracted from your speech — including the amount, description, category, date and notes of your transactions.
• Data message: any data generated, sent, received or stored electronically.

2. Acceptance and legal capacity

Using the service constitutes full and unconditional acceptance of these terms and of the Privacy Policy. The two documents complement each other and should be read together.

A contracting party must have legal capacity. By accepting these terms you confirm that you are at least 18 years old, or that you use the service with the permission and under the supervision of your legal guardian, who has accepted these terms on your behalf.

This contract is concluded electronically and is valid and binding between the parties.

3. What the service is — and what Jibiyar is not

Jibiyar is a personal tool for recording, categorising and reviewing your expenses and income. Its purpose is to help you see your own spending patterns, and nothing beyond that.

For the avoidance of doubt, Jibiyar is not any of the following and does not hold itself out as such:

• Not a financial, investment or tax adviser. No output of the service — including its reports and savings suggestions — constitutes financial, investment or legal advice.
• Not official accounting software. Its outputs are not accounting records, statutory ledgers or tax documents, and are not designed for submission to tax, banking or judicial authorities.
• Not a credit institution, bank, payment gateway or financial services provider. Jibiyar does not connect to your bank account, does not move money, and performs no real financial transactions.
• Not a substitute for professional advice. For any significant financial decision, consult a qualified professional.

4. Your account and authentication

You sign in with your mobile number or email address and a one-time code. Keeping control of your SIM card, email address and device — and therefore any use made of your account — is your own responsibility.

You undertake to provide accurate information that belongs to you. Creating an account with someone else's number, or transferring your account to a third party, breaches these terms.

If you believe someone has gained access to your account, sign out on all devices immediately and tell us through one of the channels in the "Contact us" section. We are not responsible for unauthorised use of the account before you notify us.

5. Free use and the daily AI limit

Jibiyar is free. Recording income and expenses by hand, viewing your transactions, categories and reports, and exporting your data have no limit.

The first 30 days have no AI limit. After that, the AI features — voice entry, the chat assistant and the savings advisor — have a daily limit: 3 messages a day, or 5 a day after you verify a mobile number, where phone verification is available. Each day starts at midnight in your own time zone, and unused messages do not carry over. The free first month is given only once per device and once per mobile number.

We may change these limits. The limit that applies to you is always shown in the app.

6. Permitted use and prohibited conduct

The service is for your personal, non-commercial use. Large-scale commercial use requires a separate agreement with us. The following are expressly prohibited:

• Unauthorised access to the service, to other people's accounts, to our servers or to our data.
• Reverse engineering, decompiling, extracting models, or attempting to circumvent usage limits or authentication controls.
• Automated data extraction (scraping), use of bots, or any other automated means of bulk access.
• Placing abnormal load on the service, denial-of-service attacks, or anything that degrades the service's stability for others.
• Uploading criminal or offensive content, or content contrary to applicable law.
• Using the service for money laundering, tax evasion or any other criminal activity.

7. Intellectual property

All rights in the service — including its code, design, user interface, the Jibiyar name and mark, and the models and algorithms it uses — belong to the provider and are protected by the applicable intellectual property law.

Using the service grants you a personal, limited, non-exclusive and non-transferable licence to use it, and transfers no ownership to you.

8. Your data and content

The transactions and information you record in Jibiyar belong to you. We do not become their owner.

You grant us a limited licence, strictly to the extent needed to provide the service, to store, process, synchronise and display that data back to you. Full details are in the Privacy Policy.

You can export your data as CSV or JSON at any time. This is free for every user.

9. AI accuracy and your responsibility for correctness

Speech recognition, intent extraction and automatic categorisation are statistical and inherently fallible technologies. They may misread an amount, date, category or description — particularly in a noisy environment, with a strong accent, or in an ambiguous sentence.

Reviewing and confirming the correctness of your data is your responsibility. Check any figure or report before relying on it. The app lets you edit or delete any transaction.

Savings suggestions are calculated purely from your own past spending patterns, are provided for information only, and are in no sense financial or investment advice.

10. Availability and changes to the service

We work to keep the service available, but we give no guarantee of continuous, uninterrupted or error-free availability. The service may be temporarily unavailable for maintenance, updates or technical reasons.

We may change, limit or remove features. If we discontinue the service entirely we will notify you beforehand and allow a reasonable period for you to export your data.

11. Disclaimer of warranties

The service is provided "as is" and "as available".

To the maximum extent permitted by law we give no warranty, express or implied, as to: the correctness, accuracy or completeness of data and reports; the service's fitness for your particular purpose; error-free or uninterrupted operation; or the correctness of speech recognition and automatic categorisation results.

12. Limitation of liability

To the maximum extent permitted by applicable law, the provider is not liable for:

• Indirect, consequential or incidental damages, loss of profit, or loss of opportunity.
• Any financial, investment, tax or personal decision taken on the basis of the service's data or reports.
• Loss, corruption or inaccuracy of data, including as a result of speech-recognition or auto-categorisation errors.
• Internet or mobile-network outages, network access restrictions, or any factor outside our control.
• The behaviour of app stores, your device's operating system, or third-party software.
• Unauthorised use of your account resulting from your SIM card, email or device coming into someone else's hands.

13. Cap on liability

The service is provided free of charge. To the maximum extent permitted by applicable law, the provider bears no liability on that basis.

Important exception: nothing in this section or in sections 11 and 12 excludes or limits liability for wilful misconduct or fraud, or any liability that cannot be excluded under mandatory applicable law. If a competent authority finds any of these provisions unenforceable, that provision is modified to the minimum extent necessary and the remainder stays in force.

14. Indemnity

If your breach of these terms, or your unlawful use of the service, causes loss to the provider or to a third party, or gives rise to a claim, you undertake to compensate that loss and the associated legal costs.

15. Suspension and termination

You may stop using the service at any time, or request deletion of your account from Settings. Export your data first.

We may temporarily suspend or permanently block your account for breach of these terms, misuse of the service, or where required by law. Except where delay is not possible, we will notify you beforehand.

16. Force majeure

The provider is not liable for delay or failure to perform caused by circumstances beyond its reasonable control, including but not limited to: nationwide or regional internet outages, regulatory restrictions, international sanctions and restricted access to foreign infrastructure, natural disasters, war, strikes, power cuts, and failures at hosting or telecommunications providers.

17. Changes to these terms

We may update these terms. The current version is always available in the app and at jibiyar.com/terms, and the date of the last update appears at the top of this document.

For a material change we will notify you in the app before it takes effect and ask you to accept the terms again. Continuing to use the service after notice means you accept the new version. If you do not accept it, you can export your data and close your account.

18. Governing law and disputes

This agreement is governed by the law of the country in which the provider is established and from which the service is operated. If you are a consumer, this choice does not deprive you of the mandatory protections of the law of your country of residence; those protections continue to apply.

In the event of a dispute the parties will first try to resolve it by negotiation through the service's support channels. If no agreement is reached within thirty days, the competent courts will have jurisdiction.

This clause does not limit your right to bring a consumer complaint before the competent regulatory bodies.

19. General provisions

Severability: if any part of these terms is found void or unenforceable by a competent authority, the remaining parts stay in force.

No waiver: not exercising a right immediately does not mean we waive it.

Entire agreement: these terms together with the Privacy Policy constitute the entire agreement between you and the provider and supersede any prior oral or written understanding.

Governing language: in the event of any discrepancy between the Persian version and this English translation, the Persian text prevails.

20. Contact us

For any question, complaint or request about these terms, reach us at:

• Email: ⁦info@jibiyar.com⁩
• Telegram: ⁦@Jibiyar_support_bot⁩
• Support page: ⁦jibiyar.com/support⁩