Terms & Conditions

Last Updated: 18 June 2026

These Terms & Conditions (the “Terms”) govern your access to and use of the website located at bizrah.com and any related subdomains, pages, content, and online interfaces (collectively, the “Site”), together with any products, applications, tools, and services that we make available through or in connection with the Site (collectively, the “Services”).

The Site and the Services are operated by Bizrah Holding B.V., a private limited liability company (besloten vennootschap) incorporated in the Netherlands (Netherlands Chamber of Commerce no. 98803700), acting for and on behalf of itself and each of its subsidiaries, affiliates, and group companies, including Bizrah Technology Solutions L.L.C. (Dubai Department of Economy and Tourism commercial licence no. 1583862) (together, “Bizrah”, “we”, “us”, or “our”). References to “Bizrah” in these Terms include whichever Bizrah group entity provides the relevant Service to you.

PLEASE READ THESE TERMS CAREFULLY. Among other things, they include disclaimers of warranties, a limitation of our liability, an indemnity from you, and a requirement that disputes be resolved in the courts identified in Section 18 (Governing Law and Disputes). By accessing or using the Site or the Services, or by clicking “I accept” (or a similar control), you agree to be bound by these Terms. If you do not agree, you must not access or use the Site or the Services.

If you are entering into these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity, in which case “you” and “your” refer to that entity. If you do not have such authority, you must not access or use the Site or the Services on that entity’s behalf.

1. Your Two Ways to Use Bizrah: Software and Professional Services

These Terms govern your general access to and use of the Site and the Services, including informational pages, account registration, trials, and pilots. There are two ways to use Bizrah, and which additional terms apply depends on what you choose:

(a) Self-serve Software. You may subscribe to and pay for our online accounting software platform (the “Software”) directly through the Site on a self-serve basis, without entering into any separate signed agreement. Your subscription to and use of the Software is governed by these Terms, together with the plan and pricing details presented to you at sign-up.

(b) Professional Services. We also provide accounting, bookkeeping, tax, compliance, and related services that involve work performed by or on behalf of Bizrah (collectively, the “Professional Services”). The Professional Services we currently offer are described in Section 2, and we may add to, change, or discontinue them from time to time. The Professional Services are provided under a separate Cloud Service Agreement, comprising an Order Form, Key Terms, and Standard Terms (the “Cloud Service Agreement”), entered into between you and the applicable Bizrah entity (ordinarily Bizrah Technology Solutions L.L.C.). Access to the Software may be included with certain Professional Services plans on a complimentary or bundled basis.

In these Terms, the “Services” means, collectively, the Site, the Software, and the Professional Services, together with any other products, tools, or services we make available, whether now or in the future. Where you have entered into a Cloud Service Agreement, it governs the provision and use of the services it covers, and in the event of any conflict or inconsistency between these Terms and that Cloud Service Agreement, the Cloud Service Agreement will control with respect to the subject matter it covers. These Terms continue to apply to your use of the Site and to any use of the Software or Professional Services that is not otherwise governed by a Cloud Service Agreement.

2. What Bizrah Does

Bizrah is an AI-native accounting service for small and medium-sized businesses. Our Services may include, depending on what you sign up for:

As our business grows, we may introduce additional Software features and further Professional Services. When we do, these Terms apply to them, and any new Professional Services are provided under the Cloud Service Agreement unless we tell you otherwise. The specific Services available to you, and their scope, are determined by the plan you select and by any Cloud Service Agreement you enter into. We may modify, add, or remove features of the Services from time to time as described in Section 14 (Changes to the Services and these Terms).

3. Eligibility

To use the Services you must be at least 18 years old and capable of forming a binding contract. The Services are intended for business use and are not directed to consumers acting for personal, family, or household purposes. You may use the Services only in compliance with these Terms and all applicable laws.

You may not access or use the Services if you are located in, ordinarily resident in, or organised under the laws of any country or territory subject to comprehensive sanctions or embargo, or if you are a person or entity with whom dealings are prohibited under applicable export control or sanctions laws (see Section 19.9).

4. Accounts and Access Credentials

To use certain Services you must register for an account and create or be issued access credentials. You agree to provide accurate, current, and complete information and to keep it up to date.

You are responsible for safeguarding your account and access credentials, for all activity that occurs under your account (whether or not authorised by you), and for ensuring that everyone who uses the Services through your account complies with these Terms. You must promptly notify us if you suspect or become aware of any unauthorised use of, or any compromise to the security of, your account or credentials.

We may suspend, restrict, or terminate your access to the Site or the Services as described in these Terms, including where we reasonably believe your account is being misused.

5. Information You Provide; Tool and Account Integrations

Our provision of the Services depends on access to your corporate, financial, and related information and systems. You agree to provide all such information and access in a timely manner, to cooperate reasonably with us, and to provide good-faith, accurate, and complete information and assumptions. We may rely on the information you provide without independently verifying its accuracy or completeness.

Where you enable an integration or provide login credentials so that we can connect to your third-party business tools — which may include messaging applications (such as WhatsApp), email, accounting software, and bank or payment portals — you authorise us to access, capture, transfer, reformat, and process the relevant financial data on your behalf as needed to provide the Services. You represent that you have the authority to grant this permission. We will handle any credentials you provide using reasonable security measures and use them only to provide the Services or as you otherwise direct.

If your information, access, or input is late, incomplete, or inaccurate, we may be unable to provide the Services properly, our performance may be delayed, and we will not be responsible for any resulting consequences.

6. Acceptable Use

You agree not to, and not to permit or enable anyone else to:

We may suspend or terminate provision of the Services, in whole or in part, with or without notice, where we reasonably believe the Services are being misused or used in breach of these Terms. We will try to inform you before suspending your access where practical.

7. Customer Content and Data

Your content. As between you and Bizrah, you retain all right, title, and interest in and to the data, documents, records, and other materials that you or your users submit to or make available through the Services (“Customer Content”). You are solely responsible for the accuracy, quality, legality, and content of all Customer Content and for having all rights and consents necessary for us to use it as described in these Terms.

Licence to us. You grant Bizrah (and our service providers acting on our behalf) a non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, display, process, and modify Customer Content as needed to provide, maintain, secure, and improve the Services and to perform our obligations and exercise our rights under these Terms and any Cloud Service Agreement.

Aggregated and anonymised data. We may create de-identified, aggregated, or statistical data from Customer Content and from your use of the Services. Once such data no longer identifies you or any individual, we may use and disclose it for any lawful business purpose, including to operate, improve, and develop our products and services. We own all such aggregated and anonymised data and any related insights.

Feedback. If you give us suggestions, ideas, or other feedback about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up licence to use and exploit that feedback for any purpose without restriction or obligation to you.

8. Artificial Intelligence and Human Oversight

The Services use artificial intelligence and machine-learning technologies, including to capture, categorise, and reconcile financial data and to generate responses and outputs. You authorise us to process Usage Data and Customer Content to provide, develop, train, and enhance these features, provided that data used for training or model-improvement purposes is first de-identified or aggregated using commercially reasonable, industry-standard techniques.

Because of the nature of AI and machine learning, outputs may be incomplete, incorrect, or inaccurate. AI and machine-learning features are not a substitute for human or professional judgement. For our Professional Services, we may apply human-in-the-loop review to complex or edge-case items; the self-serve Software does not include human review and operates on an automated basis. In all cases, you remain responsible for reviewing the outputs and for all decisions you make based on them.

9. Professional Advice

Bizrah helps you keep your books in order and prepare for your filings, but we are not a licensed or certified public accounting or audit firm, and the Services are not a substitute for advice from one. The Services do not include statutory audit, attestation, or certification of financial statements. For matters that require formal legal, tax, or audit sign-off, you should consult a suitably qualified professional. You remain responsible for your own management decisions and for keeping your records.

10. Intellectual Property; Reservation of Rights

The Site and the Services, including all software, technology, content, text, graphics, interfaces, designs, and the Bizrah name, logo, and other marks, and all related intellectual property rights, are and remain the exclusive property of Bizrah and its licensors. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Site and the Services for your internal business purposes during the period you are authorised to do so. No rights are granted to you except as expressly set out in these Terms; all other rights are reserved.

11. Third-Party Products and Services

The Services may integrate with, link to, or rely on products, applications, or services provided by third parties (“Third-Party Products”), such as accounting software, messaging platforms, and banking or payment providers. Your use of any Third-Party Product is governed solely by that third party’s own terms and privacy policies. We do not endorse, control, or assume responsibility for any Third-Party Product, including its availability, content, security, or how it handles your data. We are not liable for any loss or damage arising from your use of, or reliance on, any Third-Party Product, and we do not guarantee the continued interoperability of the Services with any Third-Party Product.

12. Fees and Payment

Access to certain parts of the Site may be free. Fees for paid Services, and the terms on which they are billed and paid, are set out in the applicable plan, Order Form, or Cloud Service Agreement. Unless stated otherwise, fees are exclusive of taxes (including VAT and similar duties), which you are responsible for paying, and fees are non-refundable except as expressly provided in an applicable Cloud Service Agreement. Where you authorise automatic payment, you authorise us (and our payment processors) to charge your payment method on file in accordance with the applicable terms. We may suspend the Services if amounts due are overdue.

13. Confidentiality; Privacy and Data Protection

Confidentiality. Each party may receive non-public information of the other that is identified as confidential or that should reasonably be understood to be confidential (“Confidential Information”). The receiving party will use the other party’s Confidential Information only as needed to exercise its rights and perform its obligations, will protect it using at least a reasonable standard of care, and will not disclose it except to those who need to know it and are bound by similar obligations, or as required by law. These Terms (and the existence of any Cloud Service Agreement) are our Confidential Information.

Privacy and data protection. Our collection and use of personal data in connection with the Site and the Services is described in our Privacy Policy, which is incorporated into these Terms by reference. Where we process personal data on your behalf in providing the Services, and where required by applicable data protection laws, the parties will enter into a data processing agreement, the terms of which will control with respect to such personal data. You are responsible for complying with the laws applicable to the data you provide to us, including obtaining any necessary consents.

14. Changes to the Services and these Terms

We may modify, update, suspend, or discontinue the Site or the Services, or any part or feature of them, at any time. Because parts of the Services are delivered by our personnel, we may determine from time to time who is assigned to provide them.

We may also amend these Terms from time to time. If we make material changes, we will provide notice by appropriate means, such as posting the updated Terms with a revised “Last Updated” date, sending an email, or providing notice through the Services. Changes take effect when posted unless we state otherwise. By continuing to access or use the Site or the Services after the changes take effect, you agree to be bound by the updated Terms. If you do not agree, you must stop using the Site and the Services.

15. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. BIZRAH DISCLAIMS ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY RESULTS OR OUTPUTS WILL BE ACCURATE, COMPLETE, OR RELIABLE. YOU ASSUME ALL RESPONSIBILITY FOR DETERMINING WHETHER THE SERVICES, OR ANY INFORMATION GENERATED BY THEM, ARE ACCURATE OR SUFFICIENT FOR YOUR PURPOSES. ANY WARRANTIES EXPRESSLY PROVIDED IN A CLOUD SERVICE AGREEMENT YOU HAVE ENTERED INTO APPLY ONLY AS, AND TO THE EXTENT, SET OUT THERE.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL BIZRAH BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BIZRAH’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO BIZRAH FOR THE RELEVANT SERVICES IN THE THREE (3) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED US DOLLARS (USD 100).

WHERE YOU HAVE ENTERED INTO A CLOUD SERVICE AGREEMENT, THE LIABILITY CAPS AND EXCLUSIONS SET OUT THERE GOVERN THE SERVICES COVERED BY THAT AGREEMENT. THESE LIMITATIONS APPLY NOTWITHSTANDING THE FAILURE OF ANY ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. NOTHING IN THESE TERMS EXCLUDES OR LIMITS ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

17. Indemnification

You will indemnify, defend, and hold harmless Bizrah and its affiliates, and their respective directors, officers, employees, and agents, from and against any and all third-party claims, demands, actions, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your Customer Content; (b) your access to or use of, or reliance on, the Site or the Services; (c) your breach of these Terms; (d) your violation of any applicable law or of any third party’s rights; or (e) your negligence or wilful misconduct. We may assume the exclusive defence and control of any matter subject to indemnification by you, in which case you will reasonably cooperate with us.

18. Governing Law and Disputes

18.1 Governing law. These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by the laws and regulations of the Abu Dhabi Global Market (ADGM) and the applicable federal laws of the United Arab Emirates, without regard to conflict-of-law principles.

18.2 Chosen courts. The courts of the Abu Dhabi Global Market (the “ADGM Courts”) will have exclusive jurisdiction to settle any such dispute or claim, and you and Bizrah irrevocably submit to the exclusive jurisdiction of the ADGM Courts.

18.3 Injunctive relief. Nothing in this Section prevents either party from seeking urgent or interim injunctive or equitable relief, including to protect Confidential Information or intellectual property rights, before any court of competent jurisdiction.

19. Miscellaneous

19.1 Entire agreement. These Terms, together with the Privacy Policy and any Cloud Service Agreement, constitute the entire agreement between you and Bizrah regarding the Site and the Services and supersede all prior or contemporaneous understandings on that subject. Any conflicting terms in your own purchase order or other documentation are rejected and have no effect.

19.2 Assignment. You may not assign or transfer these Terms, in whole or in part, without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, reorganisation, change of control, or sale of all or substantially all of our assets or business to which these Terms relate.

19.3 Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

19.4 No waiver. Our failure to enforce any provision is not a waiver of our right to do so later. Any waiver must be in writing to be effective.

19.5 Independent contractors. The parties are independent contractors. Nothing in these Terms creates any partnership, joint venture, agency, or employment relationship between them.

19.6 No third-party beneficiaries. Except for Bizrah’s affiliates and the indemnified parties identified in these Terms, there are no third-party beneficiaries to these Terms.

19.7 Force majeure. Neither party will be liable for any delay or failure to perform (other than a payment obligation) caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, pandemic, governmental action, or utility or internet failures.

19.8 Publicity. We may identify you as a customer and use your name and logo to identify you as a user of our products and services, on an equal footing with our other customers.

19.9 Export controls and sanctions. You represent and warrant that you are not located in, organised under the laws of, or ordinarily resident in any country or territory subject to comprehensive sanctions, and that you are not identified on any applicable list of restricted or sanctioned parties (including those maintained by the United Nations Security Council, the United States, the European Union, or the United Arab Emirates). You will not use or export the Services in violation of any applicable export control or sanctions laws. We may suspend or terminate the Services as needed to comply with such laws.

19.10 Anti-bribery. Each party will comply with all applicable anti-bribery and anti-corruption laws.

19.11 Notices. We may provide notices to you by email or through the Site or the Services. You are responsible for keeping your account contact details current. Legal notices to Bizrah must be sent in writing to the contact details in Section 20.

19.12 Headings; interpretation. Headings are for convenience only. “Including” means “including without limitation.” These Terms will not be construed against the drafter.

20. Contact Us

If you have questions about these Terms or the Services, please contact us:

Bizrah Holding B.V. (on behalf of itself and its subsidiaries and affiliates, including Bizrah Technology Solutions L.L.C.)
Email: [email protected]