Terms of service

Acceptance

By creating a Zadd account and using the app, you agree to these Terms. If you don't agree, please don't use the service.

What Zadd is

Zadd is a personal finance app: it logs the spending you record (including Apple Pay taps you route to it), tracks budgets and transactions, and presents a consolidated view of what you own — investments, gold, valuables, and debts included. Zadd is an information service, not a financial institution. It never connects to your bank and can't move money on your behalf.

Your account

• You're responsible for keeping your sign-in credentials safe.
• You must be 18 or older. Zadd is built around the UAE — dirhams, local bank alerts, gold by karat — but you can use it from anywhere.
• One account per person. Don't share your account.

AI features

Signed in, Zadd's AI features (automatic categorisation, insights, budget drafts) process merchant names and computed figures through our backend to answer your requests. They are suggestions, not financial advice, and they are subject to fair-use limits. Zadd never asks for and never holds your bank login credentials.

What you can't do

• Reverse engineer, decompile, or extract the source of the app.
• Use the service to break the law or harm others.
• Resell or redistribute Zadd or its data.
• Attempt to access another user's account or data.

Zadd's figures are approximate

Zadd is a convenience. It gathers what you record, what your Apple Pay taps report, and what your bank's own alerts say into one approximate picture, priced where relevant with third-party market data (stocks, crypto, gold rates). We aim for accuracy and don't guarantee it.

Zadd is not connected to your bank and cannot see your true balance. Its figures can lag, miss a transaction, double-count one, or read one wrongly. Always check your real balance in your bank's own app, statement or other official channel before you act on it. Where Zadd and your bank disagree, your bank is right.

Your spending decisions are yours. Zadd shows figures and observations; it does not instruct you, and you remain solely responsible for what you spend, what you commit to, and for any overdraft, fee, declined payment, missed payment or other loss that follows — including where a Zadd figure turned out to be wrong, stale or incomplete.

Zadd is not a financial advisor. Anything that looks like advice — budgeting suggestions, spending insights, the written read of your month — is informational, not professional financial advice, and is not a recommendation to take or avoid any particular action.

Termination

You can stop using Zadd at any time — your ledger is on your phone and leaves with the app. To delete your Zadd account, open your profile in the app and choose Delete Account: it erases the account on our side and wipes every transaction, budget, account and rule stored on that iPhone. If anything goes wrong, email support@zadd-ae.com and we'll finish it by hand. We may suspend or terminate accounts that violate these Terms.

Liability

To the maximum extent permitted by UAE law, Zadd is provided "as is" without warranties. We're not liable for indirect or consequential damages arising from your use of the service.

Governing law

These Terms are governed by the laws of the United Arab Emirates. Any disputes will be resolved in UAE courts.

Changes

We may update these Terms as Zadd evolves. The "Last updated" date above reflects the most recent revision. Material changes will be communicated in the app.

Contact

Questions? Email legal@zadd-ae.com.