Terms of Use

The Service is provided by SAPIERA Company, a limited liability company registered in the Kingdom of Saudi Arabia under unified national number 7055093327 (“SAPIERA”, “we” or “us”).

When you create your account, the app asks you to agree to these terms and to confirm you have read the Privacy Policy, which explains how we process your data; we keep a record of the version you agreed to and when. If you don't agree, don't use the Service.

The Service is not directed to children, and you must have the legal capacity to enter into a contract and accept these terms. Anyone without full legal capacity may use the Service only with their legal guardian's consent and under their supervision, and the guardian is responsible for accepting these terms and for that use.

• Create your account with one of the sign-in methods the app offers, using an email address, account or phone number that you own and can access; provide accurate information and keep it up to date.
• We give every account a unique خزنتي ID that can't be changed. Others can use it to invite you to a family or share with you.
• Your account is personal: don't share it or transfer it to anyone. If you want others to see your assets, use the sharing feature.

You are responsible for keeping your password and verification codes confidential, for protecting your device, and for activity on your account. We recommend turning on the app lock.

If you suspect unauthorized access to your account, reset your password immediately and tell us at support@sapiera.sa. We will never ask for your password or verification codes.

We grant you a personal, non-exclusive, non-transferable right to use the app and the Service to organize your assets and their records, in accordance with these terms.

• You are responsible for the accuracy of the information you add to your vault and for your right to add it, including any information about other people.
• We don't review or verify the content of your vault, and we aren't responsible for the accuracy of what you, or people you give edit access, enter.

The values you record in the Service — such as prices, estimates and insured values — are figures for organizing your records. Totals converted between currencies are approximate, based on the exchange rates shown. A market estimate, where available, is an indicative comparison with published asking prices, not completed sales. Therefore:

• These values and estimates are not certified valuations or guaranteed sale prices, and we don't verify them.
• SAPIERA does not provide financial, investment, legal, zakat, tax or insurance advice through the Service.
• Recording an asset in the Service doesn't prove you own it and doesn't replace official documents.

Consult qualified professionals before relying on these records for financial, legal or insurance decisions.

• Smart reading and market search are optional features powered by artificial intelligence through a service provider. They work only with your permission, which you can withdraw at any time. The Privacy Policy explains what they send and what they never send.
• They may not be available at all times or in every plan, and they may be subject to usage limits shown in the app.
• Their suggestions may be incomplete or inaccurate: review every suggestion before saving it — you are responsible for what you save in your vault.

• Upload only what you are entitled to upload, and nothing that infringes others' rights or privacy or breaks the law.
• We don't verify that documents are genuine or valid. Keeping a copy in the Service doesn't replace keeping the originals where the law requires it, and we recommend keeping copies of important documents outside the Service too.
• A Proof Pack is a file you create yourself from the records you choose. It is not an official document or a certificate from SAPIERA, and you are responsible for its accuracy and for whom you share it with.

• You decide what to share, with whom and with what access, and you can change or stop sharing at any time.
• Joining a family or holding a role in it gives no access to anyone's assets; access comes only from the asset's owner sharing it.
• If you give someone edit or maintenance access, you allow them to change the asset's details or its maintenance records, and you remain responsible for choosing who gets that access.
• Anyone who receives a share must respect its owner's privacy and use what they see only for the purpose it was shared.
• Once a recipient has lawfully seen information you shared, we can't control what they do with it outside the Service, and we're not responsible for that except to the extent the law provides.
• A family's owner and managers manage invitations and members. Closing or leaving a family never deletes any member's assets. If a family owner's account is deleted, ownership passes to another member, as the Delete account & data page explains.

Everything you add to the Service — data, photos and documents (“your content”) — remains yours. These terms give SAPIERA no ownership of it.

You grant SAPIERA a limited, non-exclusive licence to host, store, process, display and transmit your content for one purpose: operating and providing the Service to you, including the sharing you ask for and the features you choose to use through the service providers listed in the Privacy Policy. We don't use your content commercially or sell it. This licence ends when the content or your account is deleted, subject to the retention described in the Privacy Policy.

The خزنتي and SAPIERA names, their logos and visual identity, and the app, its interfaces, software, design, original content and underlying technology, are owned by SAPIERA or its licensors and protected by law. These terms give you no rights in them other than the right of use set out here, and you may not copy, modify, distribute or reverse-engineer them except as the law expressly allows.

Manufacturers' names and trademarks that may appear in the app belong to their owners. They are shown only to help you recognize your assets and imply no affiliation with or endorsement by them.

You must not:

• Use the Service for any unlawful purpose, or to record anything whose possession or trade is prohibited.
• Try to access other people's accounts, assets or documents without their sharing.
• Bypass security controls, permissions or usage limits, or probe the Service for vulnerabilities without our permission.
• Upload malware or any content intended to harm the Service or its users.
• Impersonate anyone, or use a misleading display name.
• Use the Service to harass others, for example by sending unwanted invitations.
• Scrape data from the Service, interfere with its operation, or overload it.
• Infringe others' intellectual property or privacy.

To report abuse or a security issue, write to support@sapiera.sa.

The Service relies on other companies' services — such as cloud infrastructure, email delivery and artificial intelligence — described in the Privacy Policy. Downloading the app and buying in it through the App Store or Google Play is subject to that store's terms; the store is not responsible for the Service or its support.

• We aim to keep the Service available, but it may pause for maintenance, updates or reasons beyond our control, and we don't guarantee it will run without interruption or errors.
• The Service needs an internet connection and doesn't work without one.
• The features available depend on your plan and the app's version. We may develop the Service by adding, changing or discontinuing features. If we discontinue a core feature or the whole Service, we'll give you reasonable notice where possible, so you can download your data.

• You can use the Service free of charge within the limits of the free plan shown in the app.
• The app may show paid plans and their prices before purchases open; nothing is charged before you confirm a purchase yourself.
• When purchases are available, payment, renewal, cancellation and refunds happen through the App Store or Google Play under their terms, and the price and period are shown before you buy.
• Subscriptions are managed in the store, and deleting your account doesn't cancel one — cancel it in the store to stop future payments.

You can stop using the Service at any time, and delete your account in the app or through the Delete account & data page.

We may suspend, restrict or terminate your account if you seriously or repeatedly breach these terms, where needed to protect the Service, its users or others, or to comply with the law. We'll tell you the reason in advance where possible and consistent with the law and the Service's security.

Account deletion is permanent: your vault, photos, documents and profile are deleted, all your sharing stops, and none of it can be recovered. Families you own pass to another member, or close if no one else is in them. The Delete account & data page explains the steps, what is deleted and what is kept.

We provide the Service with care and reasonable skill, but it is provided “as is” and “as available” to the extent the law allows. We don't guarantee that the Service will meet all your needs, or that information entered by users or suggested by the smart features is accurate or complete. This doesn't affect any rights that can't be excluded by law.

To the extent the law allows, SAPIERA is not liable for indirect or consequential damages, loss of profits, loss of data caused by events beyond its reasonable control, or decisions you make relying on the records or estimates in the Service.

Nothing in these terms limits our liability for fraud, gross negligence or wilful misconduct, or any liability that can't be limited by law.

To the extent the law allows, you are responsible for damage caused to SAPIERA or others by your breach of these terms or the law, or by content you upload that infringes others' rights.

These terms are governed by and interpreted under the laws of the Kingdom of Saudi Arabia. If a dispute arises, please write to us first at support@sapiera.sa so we can try to resolve it amicably. If that isn't possible, the dispute will be referred to the competent judicial authority in the Kingdom of Saudi Arabia, without prejudice to any rights the law gives you.

We may change these terms as the Service develops or the law changes. We'll publish the updated version on this page and change the “Last updated” date; for material changes, we'll tell you in the app or by email a reasonable time before they take effect, and the app may ask you to accept the new version to keep using it. If you don't accept it, you can stop using the Service and delete your account.

These terms are published in Arabic and English. If the two differ, the Arabic text prevails. If any provision is found unenforceable, the rest remain in effect.

For any question about these terms, write to support@sapiera.sa.