Hayatiq

Terms of Service

Version 9 · effective October 27, 2026 · last updated October 27, 2026

These Terms of Service (the Terms) are a contract between you and HAYATIQ AI SOLUTIONS F.Z.E (trade name as registered on the trade licence and commercial registry: HAYATIQ AI SOLUTIONS - F.Z.E), a free zone establishment (FZE) registered in Ajman, United Arab Emirates, under licence number 56374, with its registered address at B.C. 1306744, Ajman Free Zone C1 Building, Ajman Free Zone, Ajman, United Arab Emirates (Hayatiq, we, us). They govern your use of Hayatiq Financials, the web application at financials.hayatiq.ai, and everything it produces (together, the Service).

By creating an account, joining an organisation, or using the Service, you agree to these Terms and to the Privacy Policy. If you use the Service on behalf of a company or firm, you confirm that you have authority to bind it, and "you" means that organisation. You confirm that you use the Service in the course of a business or profession and not as a consumer. Where you enter personal data into the Service, our Data Processing Agreement forms part of these Terms and applies automatically.

1. Definitions

  • Engagement — one entity, one reporting period and the trial balances, mapping, answers and worksheet you enter for it.
  • Output — anything the Service generates from your Engagement: statements, tie-outs, the disclosure checklist, note text, and any Word (DOCX), Excel (XLSX) or PDF file.
  • Customer Data — the trial balances, account names, balances, mapping choices, questionnaire answers, worksheet figures, names and other content you upload to or enter into the Service, and Output derived from them.
  • Organisation — the workspace that holds your Engagements; a plan belongs to an Organisation.
  • Plan — the Free tier or a paid subscription (Starter, Practice, Practice Plus, Partner) or set credits, as shown at checkout.
  • Set — one version of the generated draft for one Engagement. Exporting the same version in more than one format or more than once in a period consumes one set; a changed draft is a new version. Plans meter the Service in sets.
  • Paddle — Paddle.com Market Ltd and its affiliates, the merchant of record for every purchase (section 6).

2. What Hayatiq Financials is

The Service is software. It takes a trial balance for the current and prior year, helps you map each account to a statement line, asks a short set of policy questions, collects the cash-flow inputs that two trial balances cannot yield, and then builds a draft set of financial statements — statement of financial position, statement of comprehensive income, statement of changes in equity, statement of cash flows — runs arithmetic tie-outs over them, checks them against a disclosure checklist for the framework you chose, and lays out notes for you to complete. You can then export the draft as Word (DOCX) and Excel (XLSX) files, and the draft set and the consolidated set also as PDF. The Service drafts under IFRS and IFRS for SMEs only: the country you choose for the company sets the local items the draft carries where the Service models them, and the Service does not support US GAAP or any other national framework.

Assumptions and the release. Where your files and answers do not decide a value — the statement line an account maps to, an answer about the company, a figure the cash-flow worksheet or a note table needs — the Service applies its own suggestion to the draft as an assumption. An assumption is a default the software applies so that a complete draft can be shown; it is not advice, and it is not a judgement by Hayatiq about the entity or its accounts. You may change any assumption, which makes the value your own, or keep it as it stands, which records that you chose to leave it; the draft shows how many assumptions you have neither changed nor kept, and an exported file identifies the assumptions it rests on. Before a signed-in user exports a draft that holds assumptions, kept or not (a consolidated draft always does), they release it as a draft under their own account, on a sheet that summarises the assumptions it rests on; the exported files then print a release statement beneath the draft-for-review statement, stating who released the draft, when, and where its assumptions are listed, and any later change to the draft needs a new release. The guest download (section 5) is not released and prints no release statement: nobody is signed in to release it, and the file carries the DRAFT watermark, the draft-for-review statement, every assumption mark and the schedule of assumptions instead. Releasing a draft is not a review of it and changes nothing in section 3: every Output remains a draft for professional review, and you remain responsible for it.

Most of that work happens in your browser. The parsing, mapping, statement building, tie-outs and checklist run on your device; nothing about an Engagement reaches Hayatiq's servers until you choose to save it, ask the assistant, generate note narrative, or export it (signed in, or as the guest download). The Privacy Policy describes each of those four points and exactly what crosses them.

3. What the Service is not

Hayatiq provides software, not professional services. Hayatiq does not provide accounting, bookkeeping, audit, review, assurance, tax, Zakat, legal or other professional services, and does not act as your accountant, auditor, adviser or agent. Using the Service does not create an accountant–client, auditor–client, adviser–client or any other professional relationship between you (or your clients) and Hayatiq, and no duty of care of that kind arises.

Every Output is a draft for professional review. Every export and every screen that shows a figure carries this statement, and these Terms adopt it in full:

This is a DRAFT prepared for professional review. It is not audited, assured, reviewed, or certified, and it is not a statement of compliance with IFRS, IFRS for SMEs, or any local requirements.

Accordingly:

  • Hayatiq makes no representation that any Output is complete, accurate, suitable for issue, or meets the requirements of any accounting framework, law, regulator, lender, exchange or filing platform. Hayatiq does not claim, and you must not present the Service as claiming, that Output has been through an audit, a review, an assurance engagement, a certification, or an endorsement by any standard-setter or authority.
  • The disclosure checklist is a deterministic list of prompts written in Hayatiq's own words with paragraph references. It is not a substitute for reading the standards and does not tell you that a set of financial statements is complete.
  • A statement of compliance, where the Service prints one, is the reporting entity's own assertion, in fixed words, never Hayatiq's statement and never the assistant's words. The Service proposes it only once the checklist has no unresolved required item; it then prints marked as an assumption and listed on the schedule of assumptions until you keep it, and the proposal is withdrawn if a required item reopens. Keeping it is your decision about the entity's assertion, and the responsibility set out below applies to it as to anything you enter.
  • Hayatiq does not warrant that Output can be filed with any authority or platform (including Qawaem or any XBRL or e-filing system) or accepted by any bank, investor or regulator.

You are responsible for the Output. You confirm that a qualified professional will review every draft before it is relied on, issued, filed or shared with a third party, and that you remain solely responsible for the accounting judgements, the completeness of the trial balance and inputs, every value and paragraph the draft uses — the mapping, the answers, the worksheet and note-table figures and the note narrative — whether you set it yourself, kept it, or left in place an assumption the Service or the assistant applied (sections 2 and 9), and the final financial statements you issue.

4. Accounts, organisations and eligibility

You must be at least eighteen (18) years old and old enough to enter a binding contract where you live, and use the Service only for business or professional purposes. You are responsible for the accuracy of your account details, for keeping your sign-in link and any session private, and for every action taken under your account.

Sign-in is by a one-time link sent to your e-mail address; Hayatiq stores no passwords. An Organisation has at least one owner and may have members with preparer or reviewer roles. The owners are responsible for who is invited, for their compliance with these Terms, and for the plan the Organisation buys. An invited person joins an Organisation only by accepting the invitation. Seats, entities and sets are limited per plan and metered per Organisation.

We may refuse, suspend or close an account that breaches these Terms, that we reasonably believe is used for fraud or abuse, or that is required to be closed by law (section 17).

5. Plans, the Free tier and set credits

Plans, prices, billing cycles and limits are those shown on the pricing page and at checkout when you buy. Hayatiq may change prices for future billing periods on at least thirty (30) days' notice by e-mail; a change takes effect at your next renewal after that notice.

The Free tier lets you run the whole workflow and export three watermarked draft sets per Organisation in each quota year. The quota year starts on the day the Organisation was created and restarts on each anniversary of that day; once the Organisation has had a subscription, it runs instead from the start date of its current subscription (or, where none is current, its most recently started one) and restarts on each anniversary of that date, days counted in Coordinated Universal Time. Sets exported within a paid plan's allowance count towards the quota year in which they were exported, so an Organisation that moves to the Free tier in a quota year in which it has already exported three or more sets within its plan's allowance has no Free export left until its next quota year starts. Every page of a DOCX or PDF file and every sheet of an XLSX file exported on the Free tier carries the DRAFT watermark, and every file carries the draft-for-review statement quoted in section 3. Paid plans export without the watermark, within the limits shown at checkout (entities, users, sets per year). Set credits are one-time purchases that each allow one export on any plan; they do not expire while your account is open, and they are consumed only when an export succeeds. On the Free tier a set credit exports only the watermarked documents: every file exported there carries the DRAFT watermark. Unused sets in a subscription period do not carry over. Plan limits are enforced by the Service; attempting to work around them is a breach of section 8.

Without an account. Before signing in, anyone can download, as a guest, one watermarked Word file and, for a set in English, one PDF of each version of the draft set made in their browser. The guest download is limited per connection and per version of the draft by counts the Service keeps in its memory (the Privacy Policy, section 8); it is not stored by Hayatiq, carries no release statement (section 2) and uses no plan or set. These Terms apply to it as to any other use of the Service, and the Data Processing Agreement applies to the data in the download.

Beta features may be incomplete, may change or be withdrawn, and are provided on the terms of section 14 whether or not they are marked "beta".

6. Payment, Paddle as merchant of record, taxes and refunds

All purchases are made from Paddle, our merchant of record. Paddle sells the subscription or credits to you, collects payment, applies and remits sales tax or VAT where required, issues the invoice or receipt, and handles refunds and chargebacks. Your purchase is also subject to Paddle's own buyer terms, shown at checkout, and your card statement will show Paddle's name. Hayatiq never sees or stores your card details.

Subscriptions renew automatically at the end of each billing period at the then-current price until cancelled. You can cancel at any time from the billing portal; cancellation takes effect at the end of the current period, and access continues until then. Before an annual renewal, Hayatiq or Paddle e-mails the account owner at least fourteen (14) days ahead with the price and how to cancel; monthly renewals are shown on each receipt. A founding-offer discount applies to the first two annual payments only; later renewals are at the list price then current.

Refunds. Because Paddle is the seller, Paddle's refund policy applies to every purchase. In addition, Hayatiq's position is: a full refund of a first subscription payment requested within fourteen (14) days of purchase if no file has been exported for the Organisation since that payment (a watermarked export made on the Free tier before the purchase does not count); set credits refundable while unused; no refund of a renewal after its date; statutory rights that apply to you are not limited. To request a refund, contact Paddle through the link on your receipt or contact us at support@hayatiq.ai and we will pass the request to Paddle. If Paddle fully refunds a subscription payment, the subscription and the period it paid for end; a partial refund leaves the rest of the period in place. If Paddle refunds a set-credit purchase, or a chargeback reverses one, the credits it granted are removed from the Organisation's remaining balance. An Output already exported is unaffected.

Prices are stated in US dollars unless checkout shows otherwise; any local-currency figure shown outside checkout is indicative.

7. Customer Data and your clients

You retain all rights in Customer Data. You grant Hayatiq a non-exclusive, worldwide licence to host, process, transmit and display Customer Data only as needed to provide the Service to you, to keep it secure, and as the Privacy Policy describes. Hayatiq does not use Customer Data to train any model and does not sell it.

Confidentiality. Hayatiq treats Customer Data as confidential, uses it only as these Terms and the Privacy Policy allow, discloses it only to the providers listed in the Privacy Policy under written confidentiality obligations, and otherwise only where the law requires, giving you notice where it may. This obligation continues after your account is closed.

You confirm that you have the right to upload the Customer Data you use — including your clients' trial balances, any names of individuals in them, and any document you ask the assistant to read — and that you have given any notice and obtained any consent your own law requires before doing so. Where you process personal data of your clients or their people through the Service, you are the controller and Hayatiq is your processor under the Data Processing Agreement.

No-storage mode. You can mark an Engagement for no-storage mode when saving it. Hayatiq's purge job runs every night at 03:00 UTC and deletes the saved snapshots of every flagged Engagement and their working rows: the mapping, the questionnaire answers, the cash-flow worksheet and the review notes. It keeps the engagement record, the export records and the rounded statement figures recorded by an export made before the Engagement was flagged, until you delete the Engagement. Next year's roll-forward reads a saved snapshot, which the purge deletes; a mapping template you downloaded is a file on your own device, which the purge never reaches. An export made from a draft saved with the flag records no statement figures. The Privacy Policy describes the same in section 10.

8. Acceptable use

You must not, and must not allow anyone else to:

  • upload data you have no right to use, or data of a kind the Service is not designed for (for example special-category personal data, card numbers, or government identifiers) beyond what a trial balance and its notes ordinarily contain, or what a commercial registration extract or a set of issued financial statements you ask the assistant to read ordinarily prints;
  • present any Output as an audit, review, assurance or certification of any kind, as issued or filed financial statements, or as endorsed by any standard-setter, authority or by Hayatiq, without the independent professional work those words require;
  • use the Service to prepare financial statements you know to be false or misleading, or in any other unlawful way;
  • share an account or sign-in link, exceed or circumvent plan limits, resell or sub-license the Service, or use it to build a competing product;
  • copy, scrape, decompile or reverse-engineer the Service, its mapping rules, chart of accounts, disclosure rules or templates, except where the law allows this despite a contractual restriction;
  • probe, scan or test the security of the Service or interfere with its operation, except under a written authorisation from Hayatiq;
  • use automated means to submit prompts to the assistant, attempt to extract its system prompts, or use it for anything other than the mapping, proposal, note-drafting and (where the Service offers it) document-reading tasks the Service offers; or
  • remove or obscure the draft-for-review statement, the watermark on the Free tier, or any notice in an Output.

9. The assistant

The Service includes an assistant that can suggest which statement line an account maps to, with a confidence score, and that can draft narrative sentences for notes; where the Service offers it, it can also, if you choose, read last year's issued financial statements and the commercial registration extract to propose facts and figures. The assistant is powered by a third-party model provider named in the Privacy Policy. The assistant never decides anything: a suggestion or proposal it makes reaches the draft as an assumption you can change or keep, or once you confirm it, and a draft that rests on an assumption is exported, signed in, only once it is released; the guest download is not released and carries every assumption mark and the schedule of assumptions instead (section 2). Every figure in a note's statements and tables is placed by the deterministic engine from the trial balances and the inputs the draft uses — those you entered or confirmed and the assumptions the Service applied (section 2) — and checked back against it. The model's own words reach a note only as narrative prose, and any draft with a number that matches none of the engine's figures, the note's fixed allow-list or text you entered or confirmed for that note is refused before you see it. Where the Service offers document reading, a fact or figure the assistant reads is a proposal only; once you confirm it, it is your input, and section 3 applies to it as to anything you enter.

The assistant runs on the terms set out in this section. It sends the provider account names and codes, your answers (including any text you typed), and each note as it prints with its figures, so the assistant can write about them, and, where the Service offers document reading, a document you choose to have read. What a request carries depends on the request: account codes and names for a mapping suggestion; account names with the statement line each is mapped to for a proposed answer; and, for narrative, each note as it prints with its figures and your answers to the questions that note draws on, including any text you typed for them; and, for a document reading where the Service offers it, the file you chose, whole. Each mapping, proposal and narrative request also carries the company's country, as you chose it, and the framework the draft uses. No request carries the trial balance. No request carries the entity-name field: a note's text shows "the Company" where it would print the name. A name that appears in your answers or in a note as it prints, such as a parent company, a subsidiary, a director or a related party, can be sent as it appears, and a document you choose to have read is sent whole, with every name it prints. The assistant never supplies a figure to a note's narrative: every number in a paragraph must match the engine's figures, the note's fixed allow-list or text you entered or confirmed for that note, or the paragraph is refused. What is sent is not used by the provider for training (its commercial terms; Hayatiq has not opted in). Under the data-retention policy the provider publishes for its commercial API customers, it deletes what is sent, and what it returns, within thirty (30) days of receiving or generating it, and keeps it longer only where that policy says so, such as content flagged under its usage policy, or where the law requires it; this applies to every request the assistant makes. Zero data retention is not in place, and Hayatiq has not requested it from the provider. Hayatiq has authorised the assistant on production, where it runs for an Engagement only once you allow it; on a deployment where Hayatiq has not authorised it, the Service shows its controls disabled. To protect the Service, each user and each Organisation has a daily number of assistant requests, and requests made in quick succession are slowed; a request over a limit is refused with a message and can be made again later.

10. Intellectual property and trademarks

The Service — its code, design, keyword rules, standard chart of accounts, line-item schema, disclosure-checklist rules, note templates and documentation — belongs to Hayatiq or its licensors and is protected by copyright and other laws. These Terms give you a limited, revocable, non-transferable right to use the Service during your subscription; nothing transfers ownership of any part of it.

Your Output belongs to you. To the extent an Output embeds Hayatiq's templates, headings or fixed wording, Hayatiq grants you a perpetual licence to use that material as part of your Output.

"IFRS", "IAS", "IFRS for SMEs" and "IASB" are trademarks of the IFRS Foundation; "SOCPA" is the name of the Saudi Organization for Chartered and Professional Accountants. Hayatiq uses them only to describe which requirements its checklists refer to. Hayatiq is not affiliated with, licensed by, or endorsed by the IFRS Foundation, SOCPA, ZATCA or any other standard-setter or authority, and the Service does not reproduce the text of any standard.

11. Third-party services

The Service depends on third-party providers for hosting, database, e-mail, payments, networking, backups and the assistant's model. They are listed, with what each receives, in the Privacy Policy. Hayatiq chooses and contracts with them but does not control them; a failure at a provider is treated under section 13 and section 15.

12. Feedback

If you send Hayatiq suggestions or feedback, you agree that Hayatiq may use them without restriction or payment. Feedback does not include Customer Data, and this section gives Hayatiq no right in Customer Data.

13. Availability, changes and support

Hayatiq aims to keep the Service available but does not guarantee uninterrupted or error-free operation. We may change, add or remove features, and may suspend the Service for maintenance, security or legal reasons, giving notice where practicable. Support is through the in-app help and by e-mail at support@hayatiq.ai. The Partner plan includes priority support, meaning its requests are answered ahead of others; no response time is guaranteed on any plan unless the pricing page states one.

Because the engine runs in your browser, an Engagement you have not saved exists only on your device; if you clear your browser data before saving, it is gone and Hayatiq cannot recover it.

14. Warranties and disclaimers

Hayatiq warrants that it will provide the Service with reasonable skill and care and materially as section 2 describes, and will handle Customer Data as section 7, the Privacy Policy and the DPA state. Your sole remedy for breach of this warranty is that Hayatiq re-performs, or you may end the affected subscription and Hayatiq will ask Paddle to refund the unused prepaid period.

Otherwise the Service and all Output are provided "as is" and "as available". To the fullest extent the law allows, Hayatiq excludes all other warranties, conditions and terms, express or implied, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy or non-infringement, and any warranty that Output will meet any accounting framework, law or regulatory requirement or be free of errors. This section does not limit Hayatiq's commitments in section 7, section 9, the Privacy Policy or the DPA.

Nothing in these Terms limits any right that the law gives you as a consumer and that cannot be excluded by contract, if and to the extent such rights apply to a business user of the Service. Hayatiq offers the Service to businesses and professionals only, and you have confirmed at the opening of these Terms that you use it in that capacity. If the law of the country where you are established nevertheless treats you as a consumer for a purchase, the rights it gives you that cannot be excluded — including any right to withdraw from a purchase or to a refund — apply in place of anything in sections 6, 14 and 15 that would reduce them, and Paddle's checkout terms state how to exercise them for the purchase itself.

15. Limitation of liability

To the fullest extent the law allows:

  1. Hayatiq is not liable for any indirect, consequential, special or punitive loss, or for any loss of profit, revenue, business, goodwill or data, or for any penalty, fine or claim arising from financial statements you issue or file, however caused.
  2. Hayatiq's total liability to you for all claims arising out of or in connection with the Service in any twelve-month period is limited to the amounts paid for the Service for your Organisation (to Paddle as merchant of record) in the twelve (12) months immediately before the event giving rise to the claim. If no fees were paid in that period (for example on the Free tier), that liability is limited to USD 100. For claims arising from Hayatiq's breach of section 7 or the DPA, the limit is instead the greater of USD 5,000 and two times the fees in that period.
  3. These limits do not apply to liability that cannot be limited by law, including death or personal injury caused by negligence, fraud or fraudulent misrepresentation, and any other liability that the governing law does not allow to be limited, or for loss caused by Hayatiq's wilful misconduct or gross negligence.

You agree that this allocation of risk reflects that the Service is low-cost software producing a draft for your own professional review, and that Hayatiq could not offer it at this price otherwise.

16. Indemnity

You will defend and indemnify Hayatiq and its officers, employees and contractors against any third-party claim, loss, cost or expense (including reasonable legal fees) arising from your use of Customer Data in breach of section 7 or 8, from financial statements or other documents you issue, file or share on the basis of any Output, from your breach of these Terms, or from your breach of law. Hayatiq will notify you promptly of a claim, let you control its defence and settlement (but not settle in a way that admits fault by Hayatiq or imposes an obligation on it without written consent), and give reasonable assistance at your cost. Hayatiq offers no reciprocal indemnity; its remedy for an intellectual-property claim against the Service is to modify or replace the affected part or end the subscription with a pro-rata refund through Paddle.

17. Term, suspension and termination

These Terms apply from the day you first use the Service until your account is closed. You may close your account at any time by writing to privacy@hayatiq.ai from its e-mail address (the Privacy Policy, section 15); a paid subscription continues to the end of the period already paid for. Hayatiq may suspend or terminate your access with immediate effect for a material breach of these Terms, for non-payment reported by Paddle, or where required by law, and otherwise on thirty (30) days' notice. If Hayatiq ends these Terms other than for your breach and you have prepaid beyond the end date, Hayatiq will ask Paddle to refund the unused part pro rata.

On termination, your right to use the Service ends. For thirty (30) days after closure you may ask for a copy of your saved Engagements as exported files, provided without charge and regardless of plan limits for this purpose, after which Hayatiq deletes them as the Privacy Policy describes. Sections 3, 7, 10, 12, 14, 15, 16, 17, 18 and 19 survive termination.

18. Governing law and disputes

These Terms, and any dispute or claim arising out of or in connection with them or the Service, are governed by the law of the United Arab Emirates as applied in the Emirate of Ajman, and the courts of the Emirate of Ajman, United Arab Emirates, have exclusive jurisdiction to settle them. Before either party starts proceedings, it gives the other written notice of the dispute under section 19, and the parties try in good faith to resolve it within thirty (30) days of that notice; after that period either party may bring proceedings. Nothing in this section prevents either party from seeking urgent interim relief from any competent court. If the mandatory law of the country where you are established gives you rights that this choice cannot exclude, or requires a claim of a particular kind to be brought before its courts or authorities, that law and those courts apply to that extent, and the rest of this section is unaffected. The transfer clauses incorporated into the Data Processing Agreement carry their own governing law and forum for the matters they cover.

19. General

  • Entire agreement. These Terms, the Privacy Policy, the Data Processing Agreement, and the plan details at checkout are the whole agreement between you and Hayatiq about the Service and replace any earlier discussion or proposal. Nothing in this clause limits liability for fraud.
  • Changes to these Terms. Hayatiq may update these Terms. Material changes are notified by e-mail or in the Service at least thirty (30) days before they take effect; continuing to use the Service after that date is acceptance. A change required by law, or one that corrects how these documents describe the Service's processing without reducing your rights, takes effect when published. The current version is always at financials.hayatiq.ai/en/terms with its date.
  • Assignment. You may not assign these Terms without Hayatiq's written consent. Hayatiq may assign them to an affiliate or a successor in a merger, acquisition or sale of the business, with notice to you. A change of control of Hayatiq is not an assignment.
  • Sanctions. You confirm that neither you nor your Organisation, nor anyone you invite, is listed on a sanctions list of the United Nations, the United Arab Emirates, the United Kingdom, the European Union or the United States, or located in a country or territory under comprehensive sanctions, and you will not use the Service for the benefit of any such person. You will not export, re-export or use the Service in breach of any export-control law that applies to you or to Hayatiq. Hayatiq may suspend or close an account where it reasonably believes this is untrue or a provider or the law requires it.
  • Anti-bribery. Each party will comply with the anti-bribery laws that apply to it and will not offer or accept any improper payment in connection with these Terms.
  • Notices. Notices to you go to the e-mail address on your account. Notices to Hayatiq are effective when sent to hello@hayatiq.ai; a notice of a claim or dispute must also be sent by courier to the registered address in the opening paragraph.
  • Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages at a third-party provider, network blocks imposed by an internet service provider or authority, and acts of government. If such an event prevents use of the Service for more than thirty (30) days in a row, either party may end the affected subscription, and Hayatiq will ask Paddle to refund the unused prepaid period.
  • Severability and waiver. If any part of these Terms is found unenforceable, the rest remains in force. A failure to enforce a term is not a waiver of it.
  • No third-party rights. No one other than you and Hayatiq has any right to enforce these Terms, except that the persons indemnified under section 16 may enforce that section.
  • Language. These Terms are written and published in English only.

20. Contact

Questions about these Terms: hello@hayatiq.ai. Help using the Service: support@hayatiq.ai. Privacy and data-subject requests: privacy@hayatiq.ai. Hayatiq's registered details are in the opening paragraph. Effective date: 27 October 2026.

Every draft Hayatiq Financials produces carries this statement: