Last updated 27 Aug 2026
Last updated: 27 August 2026
These Terms of Service ("Terms") govern your access to and use of Maaliya's websites, software, applications, tools, subscriptions, accounting and bookkeeping services, and related products and services (collectively, the "Services").
The Services are provided by Maaliya Accounting and Bookkeeping DWC-LLC, Trade Licence No. TL 14812, Floor 3, Tower A3, Dubai South Business Park, Dubai, United Arab Emirates ("Maaliya", "we", "us" or "our").
By creating an account, purchasing a subscription, accessing or using the Services, or otherwise accepting these Terms, you agree to be bound by them.
If you use the Services on behalf of a company or other organisation, you represent that you have authority to bind that organisation to these Terms. In that case, "you" and "your" refer to that organisation and its authorised users.
If you do not agree to these Terms, you must not use the Services.
Maaliya is intended for business and professional use.
You must be at least 18 years old and legally capable of entering into a binding agreement to use the Services.
The Services are primarily designed for businesses operating in the Gulf Cooperation Council ("GCC"). Certain functionality, calculations, integrations, reports or compliance features may be available only in particular countries.
You are responsible for determining whether the Services are suitable for your business and lawful to use in the jurisdiction in which you operate.
Nothing in these Terms excludes any right or protection that cannot legally be excluded or limited under applicable law.
Maaliya may provide software and professional services including, depending on your plan or agreed scope:
Not every Service is included in every subscription.
The specific Services available to you may depend on your plan, location, usage, separate proposal, order form, statement of work, engagement letter or other agreement with Maaliya.
Where additional terms are agreed for a particular Service, those additional terms form part of your agreement with us. If they conflict with these Terms, the more specific terms will apply to that Service to the extent of the conflict.
You must provide accurate, complete and current information when creating and maintaining your account.
You are responsible for:
You must not share individual login credentials between users where separate user accounts are provided.
An organisation administrator may be able to add or remove users, assign permissions, approve transactions, access information and otherwise manage the organisation's Maaliya account.
You are responsible for the actions of users you authorise to access the Services.
Maaliya relies on information provided or authorised by you.
You are responsible for ensuring that all information, records and documents supplied to Maaliya are complete, accurate and provided on time.
This includes, where relevant:
You remain responsible for reviewing your financial records and identifying anything that appears incomplete, inaccurate or unusual.
Where Maaliya asks you to review or approve an item, you are responsible for doing so within a reasonable period.
Delays or inaccuracies in information supplied by you may result in inaccurate records, reports, calculations or missed deadlines.
Maaliya provides tools and services intended to assist businesses with financial operations, bookkeeping, accounting and tax preparation.
Unless expressly included in a separately agreed professional engagement, information or outputs provided through the Maaliya platform, website, AI tools, dashboards, resources or automated workflows are provided for informational and operational purposes and are not legal, investment, financial or tax advice.
You should obtain advice appropriate to your circumstances where professional judgement is required.
Where Maaliya provides human bookkeeping, accounting or tax preparation services, those services are limited to the scope specifically agreed with you.
Unless expressly agreed otherwise, Maaliya does not:
Maaliya may assist with calculating, preparing, reviewing or exporting information required for VAT, Corporate Tax or other tax filings.
You remain responsible for reviewing, approving and submitting your tax returns and paying any tax due by the applicable deadline.
Where information is prepared for submission to the UAE Federal Tax Authority or another authority, you must review that information before filing.
Tax laws, regulations, guidance and interpretations may change. Maaliya may update its systems following regulatory changes, but we do not guarantee that every change will be reflected immediately.
You are responsible for obtaining professional advice where your circumstances involve uncertainty, material judgement, unusual transactions or complex tax positions.
Some Services use artificial intelligence, machine learning, rules-based automation or similar technology.
These features may assist with activities such as:
Automated outputs may be inaccurate, incomplete or inappropriate for your particular circumstances.
You must not treat an AI-generated or automated output as inherently correct simply because it was generated by Maaliya.
Where an output could affect financial statements, tax filings, payments, compliance obligations or material business decisions, appropriate human review should be carried out.
Maaliya may provide tools that allow you to approve, reject or modify automated suggestions.
Your approval of an item confirms that you have reviewed and accepted it.
You may use the Services only for lawful business purposes and in accordance with these Terms.
You must not use, or attempt to use, the Services to:
We may investigate suspected violations and take reasonable action to protect Maaliya, our users and third parties.
Maaliya may connect with third-party software and services such as accounting platforms, banks, payment providers, email services, cloud providers, government systems and other business applications.
If you connect a third-party service to Maaliya, you authorise Maaliya to access, receive, transmit and process information from that service as reasonably necessary to provide the integration.
Your use of a third-party service remains subject to that provider's own terms and policies.
Maaliya does not control third-party services.
To the extent permitted by law, Maaliya is not responsible for failures, outages, delays, data inaccuracies, API changes, security incidents, discontinued functionality or other issues caused by a third-party service and outside Maaliya's reasonable control.
A third-party provider may change, restrict or discontinue its integration at any time. This may result in an integration becoming unavailable or changing in functionality.
Maaliya may replace, modify or discontinue an integration where reasonably necessary.
Maaliya may offer a free tier or free functionality.
Free Services may have limits relating to features, storage, users, documents, transactions, processing volumes, AI usage, integrations or other resources.
We may change the functionality or limits of a free tier from time to time.
Where reasonably practicable, we will avoid materially disrupting existing users without notice, but we do not guarantee that a particular free feature will remain available indefinitely.
Free credits, promotional allowances and trial benefits:
Maaliya may offer monthly subscriptions, annual subscriptions, usage-based services or combinations of these.
Your applicable:
will be shown when you subscribe, stated on an invoice, or agreed with you separately.
Subscription fees are generally charged in advance for the relevant billing period.
Usage-based charges and overage charges may be billed after the usage occurs, added to your next invoice, or charged at another interval disclosed to you.
Unless stated otherwise, paid subscriptions automatically renew at the end of each billing period.
For example:
By starting a recurring paid subscription, you authorise Maaliya and its payment providers to charge the applicable subscription fees and other amounts due using your selected payment method until the subscription is cancelled.
You may prevent your next renewal by cancelling before the renewal takes effect.
Certain Services may be charged according to actual usage.
Usage may include, for example:
Applicable rates and allowances will be disclosed through the relevant plan, order form, proposal, pricing page or interface.
You are responsible for charges incurred through authorised use of your account.
We may implement reasonable safeguards, limits or notifications to help prevent unexpected usage.
Unless otherwise stated, Maaliya prices are denominated in United Arab Emirates Dirhams (AED).
Quoted prices do not include taxes unless expressly stated otherwise.
Where Maaliya is required by law to charge VAT or another applicable indirect tax, the relevant tax may be added to the price from the date it becomes applicable.
You are responsible for taxes, duties or similar governmental charges applicable to your purchase, excluding taxes imposed on Maaliya's own income.
You must provide a valid payment method where required for a paid Service.
You authorise Maaliya and our payment providers to charge amounts properly due under your subscription.
If a payment fails, we may:
if the amount remains unpaid.
Where reasonably practicable, we will provide notice before suspending Services solely because of a failed payment.
You remain responsible for outstanding amounts incurred before suspension or termination.
You may cancel a recurring subscription at any time.
Unless otherwise stated, cancellation takes effect at the end of your current paid billing period.
You may continue using the paid Services until that period ends.
Cancellation prevents the next automatic renewal. It does not normally reverse charges already incurred.
Deleting an account is separate from cancelling a paid subscription unless the interface expressly states otherwise.
Except where required by applicable law or expressly agreed otherwise, payments to Maaliya are non-refundable.
This includes:
Cancelling a subscription normally stops future renewal rather than generating a refund for the current billing period.
Maaliya may issue a refund or credit at its discretion. Doing so in one case does not create an obligation to do so in another case.
Nothing in this section limits any refund right that cannot legally be excluded.
Maaliya may change subscription prices, usage rates or plan structures.
For existing recurring paid subscriptions, material price changes will normally apply from a future renewal rather than retrospectively to a billing period already paid for.
We will provide reasonable advance notice of material changes where required or appropriate.
If you do not agree with a new price, you may cancel your subscription before the new price applies.
As between you and Maaliya, you retain ownership of the financial information, documents, records and other content that you submit to the Services ("Customer Data").
You grant Maaliya a worldwide, non-exclusive licence to host, copy, transmit, process, display and otherwise use Customer Data only as reasonably necessary to:
You represent that you have all permissions and lawful bases necessary to provide Customer Data to Maaliya and permit us to process it.
Our handling of personal data is also governed by our Privacy & Data Protection Policy.
Maaliya may create and use aggregated, statistical or anonymised information derived from use of the Services where that information does not reasonably identify you, your organisation or an identifiable individual.
We may use such information for purposes including:
We will not treat information as anonymised merely because a name has been removed if the information can reasonably be linked back to an identifiable customer or individual.
Maaliya will not use identifiable Customer Data or identifiable customer documents to train general Maaliya AI models without appropriate permission or consent.
This does not prevent Maaliya from:
Third-party AI providers used by Maaliya are subject to the data-handling arrangements selected by Maaliya and applicable privacy requirements.
Further details may be set out in our Privacy & Data Protection Policy.
Except for Customer Data and third-party materials, Maaliya and its licensors own all rights, title and interest in and to the Services, including:
Subject to these Terms and payment of applicable fees, Maaliya grants you a limited, non-exclusive, non-transferable and revocable right to use the Services for your internal business purposes during the period in which you are authorised to access them.
No ownership rights in Maaliya's intellectual property are transferred to you.
If you voluntarily provide ideas, suggestions, recommendations or other feedback concerning Maaliya or the Services, you permit us to use that feedback without restriction or compensation to you.
This does not give Maaliya ownership of your Customer Data.
In providing the Services, either party may receive confidential or commercially sensitive information belonging to the other.
Each party will take reasonable steps to protect confidential information and will use it only for purposes connected with the Services or as otherwise authorised.
Confidential information does not include information that:
Information may be disclosed where required by law, court order or competent governmental authority.
We aim to provide reliable Services, but no internet-based service is completely uninterrupted.
Unless a separate service-level agreement expressly applies, Maaliya does not guarantee:
We may carry out maintenance, security updates, infrastructure changes and other work that temporarily affects availability.
Maaliya is continuously developing the Services.
We may add, modify, replace or remove features, integrations, workflows, usage limits or other functionality.
Where a change would materially remove a core feature of a paid Service during an existing paid term, we will take reasonable steps to provide notice or an appropriate alternative, credit or other remedy where appropriate.
This does not prevent us from immediately changing or removing functionality where necessary for security, law, regulatory compliance, third-party dependency changes or prevention of abuse.
We may make beta, preview, experimental or early-access features available.
These features may:
Unless otherwise agreed, beta and experimental features are provided on an "as available" and "as is" basis to the maximum extent permitted by law.
You should not rely on an experimental feature as the sole means of performing a critical financial, tax or compliance function.
Maaliya may maintain backups and technical safeguards as part of operating the Services.
However, you remain responsible for maintaining copies of records that your business is required to retain or that are materially important to your operations.
Use of Maaliya does not transfer your statutory accounting, tax, corporate or record-retention obligations to Maaliya.
You should export and retain appropriate copies of important records.
Maaliya may temporarily restrict or suspend access to some or all of the Services where reasonably necessary because of:
Where circumstances reasonably permit, we will attempt to notify you and provide an opportunity to resolve the issue.
Immediate suspension may occur where delay would create material security, legal, financial or operational risk.
You may stop using Maaliya and request closure of your account.
Account closure does not remove your obligation to pay amounts already due.
Some information may continue to be retained where required for legal, accounting, security, dispute-resolution or regulatory purposes.
Maaliya may terminate your account or this agreement immediately where:
Maaliya may also discontinue a Service or terminate an account without cause by providing at least 30 days' notice where reasonably practicable.
If we terminate a prepaid Service without cause before the end of its paid period, we may provide an appropriate pro-rata refund or credit for the unused portion, unless a replacement or equivalent Service is provided.
Following termination or account closure, Customer Data may remain available for retrieval for up to 90 days, where reasonably practicable.
During this period you may request or use available tools to export your data.
Access may be restricted where an account was terminated or suspended for security, fraud, unlawful conduct or another serious breach, but we may provide a reasonable export method where lawful and appropriate.
After the retrieval period ends, Maaliya may delete Customer Data in accordance with its retention practices.
Some information may remain:
You are responsible for exporting information you wish to retain before the retrieval period expires.
To the maximum extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis.
Maaliya does not warrant that:
Nothing in these Terms excludes warranties, obligations or statutory rights that cannot legally be excluded.
To the maximum extent permitted by applicable law, Maaliya's total aggregate liability arising out of or relating to the Services or these Terms will not exceed the lower of:
For a free account where you have paid no fees during that period, Maaliya's liability will be limited to the maximum extent permitted by applicable law.
To the maximum extent permitted by law, Maaliya will not be liable for:
whether or not such loss was foreseeable.
Nothing in these Terms limits or excludes liability to the extent that such liability cannot lawfully be limited or excluded, including where applicable liability arising from fraud, gross fault or another category for which limitation is prohibited by applicable law.
Without limiting the previous section, Maaliya is not responsible, to the extent permitted by law, for penalties, fines, interest, additional tax, accounting adjustments or other losses caused by:
This section does not exclude responsibility to the extent a loss is directly caused by Maaliya and liability for that loss cannot lawfully be excluded under applicable law.
To the extent permitted by law, you will indemnify and hold harmless Maaliya, its affiliates and their directors, officers and employees from third-party claims, losses, liabilities and reasonable costs arising from:
This indemnity does not apply to the extent a claim was caused by Maaliya's own unlawful conduct, fraud or gross fault.
Neither party will be responsible for delay or failure to perform an obligation where that delay or failure results from circumstances reasonably outside that party's control.
This may include major internet or telecommunications failures, natural disasters, war, civil disturbance, government action, widespread infrastructure outages, cyber incidents affecting third-party infrastructure or similar events.
This section does not excuse payment obligations that became due before the relevant event.
These Terms and any non-contractual obligations arising from or connected with them are governed by the laws applicable in the Emirate of Dubai and the federal laws of the United Arab Emirates, without regard to conflict-of-law principles to the extent legally permitted.
Before commencing formal proceedings, the parties are encouraged to attempt in good faith to resolve a dispute by contacting one another.
You may contact us at:
If a dispute cannot be resolved informally, the courts of Dubai, United Arab Emirates will have jurisdiction, subject to any mandatory jurisdiction requirements that cannot legally be varied by agreement.
We may update these Terms from time to time.
Changes may be required because of:
Where a change materially affects your rights or obligations, we will provide reasonable notice through email, the Services, our website or another appropriate method.
Unless an immediate change is required for legal or security reasons, material changes will apply prospectively.
Your continued use of the Services after updated Terms become effective constitutes acceptance of those Terms to the extent permitted by law.
If you do not agree to a material change, you may stop using the Services and cancel your subscription before the change takes effect.
You agree that Maaliya may provide agreements, notices, invoices, receipts, service communications and other information electronically.
Communications may be delivered through:
You are responsible for maintaining an accurate email address associated with your account.
Electronic communications satisfy any requirement for written communications to the extent permitted by applicable law.
You may not assign, transfer, resell or otherwise transfer your rights or obligations under these Terms without Maaliya's prior written consent.
Maaliya may assign or transfer these Terms in connection with:
Any assignment remains subject to applicable law.
These Terms do not create a partnership, joint venture, employment relationship, fiduciary relationship or agency between you and Maaliya.
Except where separately agreed in writing, neither party has authority to bind the other.
If either party does not immediately enforce a provision of these Terms, that does not waive the right to enforce it later.
A waiver applies only if clearly given and only to the specific circumstances for which it was provided.
If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable where legally possible.
The remaining provisions will continue in effect.
These Terms, together with:
constitute the agreement between you and Maaliya regarding the Services.
They replace prior discussions or representations concerning the same subject matter, except where expressly preserved in a written agreement.
If documents forming your agreement with Maaliya conflict, the following order will generally apply:
unless the relevant document expressly states otherwise.
Questions about these Terms may be sent to:
Maaliya Accounting and Bookkeeping DWC-LLC
Trade Licence No. TL 14812
Floor 3, Tower A3
Dubai South Business Park
Dubai, United Arab Emirates
Email: support@maaliya.ae