Terms of Service

1. Acceptance of Terms

By accessing or using Hisabin (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Hisabin is an AI-powered personal finance management platform that helps users track, manage, and optimize their finances. The Service includes features such as budgeting, asset tracking, goal setting, zakat calculation, heritage planning, and AI-driven insights. The Service is provided "as is" and "as available" without any warranties.

3. User Accounts

When you create an account with us, you must:

• Provide accurate, complete, and current information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access
• Be at least 18 years of age

4. Subscription and Payments

Some features of the Service require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees as described at the time of purchase
• Provide valid payment information
• Authorize recurring charges for subscription plans

Subscriptions automatically renew unless cancelled at least 24 hours before the renewal date. You may cancel your subscription at any time through your account settings. Refunds are provided in accordance with our 30-day money-back guarantee for first-time subscribers.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Reverse engineer, decompile, or disassemble the Service
• Use the Service to transmit malware or harmful code
• Sell, resell, or exploit the Service without authorization
• Provide false or misleading financial information

6. Financial Disclaimer

Hisabin provides financial tracking and educational tools, but:

• We are not financial advisors, tax professionals, or legal experts
• Our AI insights are suggestions, not professional financial advice
• Zakat calculations are estimates; consult a qualified scholar for final rulings
• Heritage planning tools do not replace legal estate planning
• You should consult qualified professionals for important financial decisions

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Hisabin and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without prior written consent.

8. Limitation of Liability

To the maximum extent permitted by law, Hisabin shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or other intangible losses, resulting from your access to or use of or inability to access or use the Service. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to defend, indemnify, and hold harmless Hisabin and its officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your account immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease. You may also delete your account at any time. All provisions of the Terms which should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Kuala Lumpur, Malaysia.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be notified at least 30 days before they take effect. Your continued use of the Service after changes become effective constitutes acceptance of the new Terms.

13. Contact Us

If you have any questions about these Terms, please contact us at: