1. Agreement

These Terms of Service govern your access to and use of Mizan.

By accessing or using Mizan, you agree to be bound by these Terms. If you do not agree, do not use the service.

2. Description of Service

Mizan is a personal and household financial organization platform that allows users to record, organize, analyze, and manage financial information.

Features may include budgeting, expense tracking, net worth calculations, goal tracking, asset management, liability tracking, household collaboration, reporting, and related services.

3. No Financial Advice

Mizan is a technology platform. Mizan is not a bank, lender, broker, investment adviser, financial adviser, accounting firm, law firm, or tax adviser.

Information provided through Mizan is for informational and organizational purposes only. Any reports, calculations, estimates, forecasts, budgets, insights, recommendations, notifications, or other outputs from Mizan should not be considered financial, investment, legal, accounting, tax, religious, or professional advice of any kind.

You remain solely responsible for your decisions and actions. Any Zakat-related figures are estimates only and should not be considered a religious ruling or authoritative determination.

4. User Responsibilities

You are responsible for maintaining account security, protecting login credentials, ensuring the accuracy of information you provide, complying with applicable laws, and obtaining permission for any third-party information you upload.

5. Acceptable Use

You agree not to violate any law, interfere with platform operation, attempt unauthorized access, upload malicious software, misuse the service, or reverse engineer the platform except where permitted by law.

6. Intellectual Property

All intellectual property rights relating to Mizan — including software, content, trademarks, branding, and technology — remain the exclusive property of Mizan and its licensors.

7. Availability

We may modify, suspend, discontinue, or update any feature or service at any time without notice. We do not guarantee uninterrupted or error-free operation.

8. Disclaimers

The service is provided "AS IS" and "AS AVAILABLE." To the fullest extent permitted by law, Mizan disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, availability, accuracy, and non-infringement.

9. Limitation of Liability

To the maximum extent permitted by law, Mizan, its founders, employees, affiliates, contractors, licensors, and partners shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages — including loss of profits, savings, investments, business opportunities, goodwill, or data.

Our total liability arising out of or relating to the service shall not exceed the greater of: (a) the amount paid by you to Mizan during the previous 12 months; or (b) USD 50.

10. Indemnification

You agree to indemnify and hold harmless Mizan, its founders, employees, affiliates, contractors, and partners from claims, liabilities, damages, losses, and expenses arising from your use of the service or violation of these Terms.

11. Termination

You may stop using Mizan at any time. We may suspend or terminate accounts that violate these Terms or present security, legal, operational, or business risks.

12. Subscriptions, Billing & Refunds

Premium and Household are optional paid plans. Before you confirm a purchase, you are shown the price, the billing period, and whether the plan renews automatically. Prices include any applicable taxes.

Purchases through the App Store

• Payment is charged to your Apple Account when you confirm the purchase.
• Your subscription renews automatically unless you cancel it at least 24 hours before the end of the current period.
• Your Apple Account is charged for the renewal within the 24 hours before the current period ends.
• You can manage or cancel your subscription in your device's Apple Account settings (Settings → [your name] → Subscriptions). Cancelling stops the next renewal; your plan stays active until the end of the current period.
• Refunds for App Store purchases are handled by Apple under Apple's policies. You can request one at reportaproblem.apple.com.
• Deleting your Mizan account does not cancel an App Store subscription. Cancel it in your Apple Account settings as well.

App Store purchases are also subject to Apple's terms and conditions. Apple is not a party to these Terms and is not responsible for Mizan.

Refunds

Except for App Store purchases, which Apple refunds (see above), refunds apply in these cases:

• Duplicate or erroneous charges: refunded in full once verified.
• Failure to deliver: if a paid feature you were charged for is unavailable for a prolonged period due to a fault on our side, you may request a pro-rated refund for the affected period.

Refunds go back to the original payment method and may take several business days to appear. Extra household member seats follow the same terms as the plan they are added to.

Promotional or complimentary access (including promo codes) has no cash value and is not refundable.

To request a refund, contact support@mymizan.co with your account email and the date of the charge. Nothing in this section limits any non-waivable consumer rights you may have under applicable law.

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Kingdom of Bahrain. Any disputes shall be subject to the exclusive jurisdiction of the courts of Bahrain unless otherwise required by applicable law.

14. Contact