Terms of Use
Last Updated on October 25, 2024
1. Introduction
Welcome to the “Utajir” platform—a comprehensive platform that combines flexibility, security, and modern technology to serve entrepreneurs and users in various commercial and technical fields.
These terms and conditions (“Terms of Use” or “Terms”) constitute a legally binding agreement between us (“we,” “the company,” “Utajir,” “the organization”) and you, as a user or visitor of the platform (“you,” “the user”). These Terms govern all aspects of your use of the platform and the services available on it, whether you are using it for commercial or personal purposes, as a registered user or a mere visitor.
Definition of the Service and the Platform
Utajir is a modern digital platform designed to serve individuals and companies in creating and developing technological and software solutions. It provides comprehensive tools that enable users to create and manage websites, landing pages, electronic payment systems, and online stores.
In addition, the platform offers integrated payment solutions within its services, allowing users to complete financial transactions directly through Utajir or by using external payment methods such as Stripe or PayPal.
This variety of options ensures ease and speed in completing transactions according to users’ needs.
Contracting Parties
By using this platform, you agree that the contracting party with you is the registered Utajir company, which provides its services through this platform.
All parties using the platform must have reached the legal age recognized in their country of residence to be eligible to enter into legal contracts. This is the age at which you can legally enter into binding agreements, ensuring that you are legally qualified to use the platform and its services.
Acceptance and Agreement to the Terms
By using any part of the Utajir platform, whether browsing or registering for an account, you accept and agree to these Terms. If you do not agree to any of the Terms, you must immediately stop using the platform and the related services.
These Terms serve as the legal reference governing the relationship between us and you. Any unauthorized or illegal use of the platform will result in legal action against you. Please read the Terms carefully to ensure you fully understand your rights and obligations when using the Utajir platform.
Scope of Services
Utajir provides users with comprehensive tools to fully manage their digital projects, whether they are entrepreneurs looking to create their own websites or companies needing customized technical solutions. Available services include (but are not limited to):
• Website and landing page management: Tools for creating and editing websites and landing pages without needing in-depth technical knowledge.
• Integrated payment systems: The platform allows users to complete financial transactions using built-in payment methods, where the system securely processes payments.
• Integration with external payment tools: If you prefer to use external payment methods like Stripe or PayPal, you can easily link them with your Utajir account without incurring any additional fees for these payments.
Utajir strives to provide a seamless and integrated user experience through continuous improvement and development of the services available on the platform.
Modifications and Updates to the Terms
We reserve the right to modify or update these Terms at any time as deemed necessary to improve the services or adapt to new laws and regulations. Users will be notified of any significant changes to these Terms through a notice on the platform or via the registered email.
Your continued use of the platform after any modifications to the Terms indicates your acceptance of the new changes. If you do not agree to the modifications, you must stop using the platform and its services immediately.
Rights and Obligations
As a user of the Utajir platform, you have rights and privileges when using our services, but you are also required to comply with the following conditions:
• Compliance with laws: You must use the platform legally and in accordance with all relevant local and international laws and regulations.
• Responsibility for provided information: You are responsible for all information you provide during registration or when using the services. This information must be accurate and up-to-date.
• Refraining from illegal activities: You are prohibited from using the platform for any illegal purposes, infringing upon the intellectual property rights of others, or causing harm or disruption to the platform’s operational processes.
Security and Data Protection
We are committed to the highest security standards to protect your personal data and account-related information. All financial transactions are conducted through encrypted channels to ensure that your data is not exposed to any risk.We also reserve the right to close or suspend user accounts suspected of engaging in fraudulent or illegal activities. Users are required to keep their login information confidential and not share it with any third parties.
Conclusion:
This introduction serves as a preliminary summary of your rights and obligations when using the Utajir platform. Users are advised to review all terms and conditions carefully to ensure full compliance and to ensure a problem-free usage experience.
2. Account Registration and Creation
Registration Requirements
To benefit from the services of the Utajir platform, users must meet certain basic requirements before completing the registration and creating an account. These requirements include:
• Legal Age: The user must be of legal age (18 years or older in most countries). If the user is under the legal age, parental or legal guardian consent must be obtained.
• Legal Capacity: The user must have the legal capacity to enter into contracts in accordance with the local laws in their country of residence. If you are registering on behalf of a company or organization, you must have full legal authority to represent and enter into agreements on behalf of that entity.
• Compliance with Laws: Users must comply with all applicable local and international laws when using the platform. The use of Utajir for any illegal or unethical purposes is strictly prohibited.
Business Accounts
Utajir allows the creation of business accounts for individuals who wish to use the platform to sell or market their products and services. Business accounts must meet additional requirements:
• Official Documentation: Users may be required to provide documents proving the legality of their business activities, such as a business license or company registration documents.
• Tax Information: Accurate tax-related information (such as a tax identification number or owner ID) must be provided to ensure tax compliance.
• Legal Obligations: Business account owners are responsible for ensuring that the products and services they offer through the platform comply with all applicable laws and regulations.
User Information
During the registration process, users are required to provide accurate and complete information to ensure the proper and secure use of Utajir’s services. This information includes:
• Full Name: The registered name must match the legal name in official identification documents.
• Email Address: A valid email address must be provided to receive notifications and updates from the platform. It is the user’s responsibility to update their email address if it changes.
• Phone Number: Users may be required to provide their phone numbers for verification and two-factor authentication purposes. The number should be valid for receiving texts or calls.
• Payment Information: If there are financial transactions (such as purchasing subscriptions or services through the platform), users must provide payment information such as credit card or bank account details. Utajir guarantees the protection of this information according to strict security and privacy policies.
Account Security and Protection
Security is one of Utajir’s top priorities. To ensure the protection of user accounts, multiple security measures are taken:
• Choosing a Strong Password: Users must choose a password that contains a mix of uppercase and lowercase letters, numbers, and symbols to ensure the account is difficult to breach.
• Two-Factor Authentication (2FA): The platform supports two-factor authentication as an additional means of account protection. It is highly recommended to activate this option, where a verification code is sent to the user’s phone or email each time an attempt to log in is made.
• Security Notifications: If suspicious activity or an unknown login attempt is detected, immediate notifications are sent to the user via email or text messages to alert them.
Account Closure
Users can close their accounts on Utajir at any time, subject to the following conditions:
• Voluntary Closure: If the user wishes to close their account, they can go to the account settings and follow the necessary steps for closure. It is advised to ensure that all open transactions are completed and any remaining balances are withdrawn before closing the account.
• Closure by the Platform: Utajir reserves the right to close accounts that violate the terms or applicable laws, or that display fraudulent attempts or suspicious activity. Users will be notified before the account is closed unless serious fraud cases require immediate closure.
• Legal Consequences: If the account is closed due to a breach of terms or fraud, Utajir may retain the right to take appropriate legal actions, including seizing any remaining balances or filing complaints with relevant authorities.
Account Recovery
In case of forgotten passwords or the need to recover account access, users can follow these steps:
• Password Reset: By clicking on the “Forgot Password” option, users can enter the email address associated with the account and receive a link to reset the password.
• Verification via Text Messages: If two-factor authentication is enabled, a verification code will be sent to the phone number associated with the account to verify the user’s identity before allowing the password reset.
User Obligations
All users must follow these principles to ensure a safe user experience:
• Confidentiality of Information: Users must keep their login credentials confidential and not share them with any third party.
• Reporting Suspicious Activity: If any unusual activity or hacking attempts are discovered, users must immediately report it to Utajir’s technical support team.
• Continuous Information Updates: In case of changes to any essential information (such as email, phone number, or payment information), users must update it immediately within their account to avoid any issues or service interruptions.
3. Platform Usage
Service Usage Terms
The Utajir platform aims to provide an integrated and flexible environment to enable individuals and companies to manage their online businesses and offer their products and services to their target audience. However, to use these services, there are certain terms that all users must comply with to ensure the platform’s continuity and the safety of all participating parties.
Compliance with Terms and Laws
• Compliance with Laws: All users must comply with applicable local and international laws for all activities conducted through the platform. The platform must not be used for any illegal purposes, including promoting or selling prohibited or illegal products, or posting content that violates the intellectual property rights of others.
• Adherence to Terms and Conditions: Upon registering and using the platform, the user acknowledges that they have read and understood the terms of service and agrees to comply with them. Any violation of these terms may result in account suspension or termination.
• Purpose of Use: The platform’s services are strictly intended for legitimate commercial use or personal use related to business management. The platform cannot be used for non-commercial or purely personal purposes without prior permission.
Ethical Conduct
• Transparency and Integrity: Users must conduct their business with honesty and transparency when dealing with their clients and partners. It is strictly prohibited to manipulate or provide misleading information regarding products or services.
• Respect for Others’ Rights: All users must respect the intellectual property rights and copyrights of others. It is prohibited to use, publish, or distribute any content without obtaining legal permission from the original owner.
• Respectful Communication: Users must maintain a high level of professionalism and respect when interacting with customers or other users on the platform. Abusive, provocative, or racist language is strictly prohibited.
Usage Restrictions
To maintain a safe and clean environment within the Utajir platform, there are some restrictions on the use of the platform to ensure operational safety and maximum benefit for all users.
Prohibited Content
• Prohibited Products: It is forbidden to sell, market, or promote products or services that are prohibited by law on the platform, including (but not limited to) illegal materials, drugs, weapons, or products that violate local and international laws.
• Inappropriate Content: It is prohibited to post or upload any content that contains obscene, racist, or provocative materials or promotes violence, hatred, or encourages any form of discrimination.
• Security Violations: The platform must not be used for fraudulent activities or attempts to hack or steal other users’ information, or to spread malicious software or viruses.
Technical Restrictions
• Using the Platform within Designated Capacity: The Utajir platform is designed to support a specific load and performance capacity. Users are prohibited from exploiting the platform’s infrastructure in ways that could affect its stability or performance, such as using bots, malicious software, or flooding the system with repeated requests (DDoS attacks).
• Bypassing Security Measures: It is strictly prohibited to attempt to bypass or circumvent any of the platform’s security measures or protective tools. Any violation of this condition may result in immediate account suspension and escalation to relevant authorities if necessary.
Prohibited Commercial Activities
• Promoting Illegal Activities: The platform must not be used to promote illegal business activities, such as selling counterfeit products, money laundering, or financial fraud.
• Tax Evasion: It is strictly prohibited to use the platform to avoid tax obligations. All users must comply with local tax laws and provide accurate and complete tax information.
• Misuse of External Services: When using external services integrated with Utajir, such as PayPal or Stripe, users must adhere to the terms and policies of these services and not misuse them for any purposes.
Platform Updates and Modifications
Utajir continuously strives to improve its services and update them in line with user needs and technological advancements. For this reason, the platform reserves the right to make updates and modifications to the system and terms as necessary.
System Updates
• Performance Enhancements: The platform may periodically conduct system improvements to increase speed, enhance responsiveness, or improve the overall user experience. These updates may include infrastructure improvements or the addition of new features.
• Scheduled Maintenance: Some updates may require the temporary suspension of the system for maintenance. Users will be notified in advance of the maintenance schedule to avoid any unexpected disruptions.
• Security Updates: Given the importance of security in a digital environment, the platform may release periodic updates to enhance security and prevent any threats or vulnerabilities that may affect users.
Amendments to Terms and Conditions
• Advance Notifications: If any material changes to the terms of use are made, users will be notified in advance via email or through an in-system notification. These amendments will take effect immediately upon publication, and continued use of the platform will be considered acceptance of the new terms.
• Flexibility in Amendments: The platform reserves the right to modify the terms and conditions to keep up with market changes, technology, or local and international laws. Users are encouraged to periodically review the terms to ensure they are aware of any new changes.
Temporary Suspension or Termination
• Temporary Service Suspension: Utajir reserves the right to temporarily suspend or halt services for maintenance or emergency updates. Users will be informed of this in advance if possible, and they should prepare for such occurrences.
• Service Termination: If Utajir decides to terminate any of its services or make significant changes that affect the services, users will be notified in advance to ensure a smooth transition without business disruption.
Technical Modifications
• Adding New Features: The platform may add new features or tools to help users manage their businesses more efficiently. Users will be informed about these features and how to use them properly.
• Discontinuing Old Features: In some cases, Utajir may decide to discontinue certain outdated features that no longer align with technological developments or do not provide the desired benefit to users.
4. Payment and Financial Transactions
Available Payment Options
The Utajir platform offers various payment options to meet users’ needs. Users can choose between integrated payment methods within the platform or external payment services such as Stripe or PayPal. The available options include:
• Credit/Debit Card Payment: The platform supports credit and debit card payments through its integrated payment gateways.
• PayPal and Stripe: Users who prefer external payment services can link their PayPal or Stripe accounts for transactions.
Commissions and Fees
• Commissions on Payments through Utajir’s Integrated Gateways: If users choose to pay through the platform’s integrated payment methods, a small commission will be deducted from each transaction. This commission is predetermined, and users are informed of it before completing any payment.
• Commissions on External Payment Methods: Utajir does not charge any additional fees for transactions made through external payment methods like PayPal or Stripe. However, users should note that these platforms may impose separate fees beyond those charged by Utajir.
Additional Fees
• In some cases, users may be subject to additional fees related to currency conversion, taxes, or external charges associated with payment transactions. Users should ensure they understand all potential fees before completing a payment.
Payment Processing Methods
Utajir processes all payments using advanced security standards to protect users’ financial data. Once the transaction is completed, the user receives an electronic confirmation. Users must ensure that the payment information they provide is accurate and updated regularly.
Prepayment and/or Billing Settings
Some users with subscriptions or customized plans on the platform may set up prepayment services or recurring billing to facilitate future payments. In such cases:
• Financial information is stored in a secure and encrypted environment.
• Users are informed of any changes in fees or billing schedules in advance to ensure transparency.
Refund Policy
Utajir offers a flexible but defined refund policy. In case of any issues with the service or product provided, users can request a refund according to the following terms:
• The refund request must be submitted within a specific time after the purchase.
• Refund requests are processed based on an investigation of the nature of the request and whether it complies with the platform’s terms of use and refund policy.
• No refund will be issued if the service or product has been fully used or if the requests violate the terms of use.
Payment Security and Fraud Prevention
To enhance the protection of users and their financial data, Utajir implements advanced fraud prevention technologies and tools. These include:
• Verifying user identity for large or suspicious payments.
• Instant notifications regarding any unauthorized access attempts or suspicious changes to financial accounts.
• Suspected accounts may be frozen pending investigation of suspicious activity, and users can contact technical support to resolve such issues.
Pricing and Fee Adjustments
• Utajir reserves the right to adjust fees and commissions related to payment transactions according to market changes or other factors. If any price or fee changes occur, users will be informed in advance before the adjustments are implemented, and they will be given adequate time to agree to the changes or cancel their subscription.
Technical Issues or Transaction Failures
In the event of technical issues that prevent successful transaction completion:
• The user will receive an immediate notification via email or messages within the platform.
• Any amounts deducted through Utajir’s payment gateways will be refunded within a specified period.
• If external payment methods were used, users must contact the external service provider (such as PayPal or Stripe) to resolve the issue, according to the terms and conditions of the external provider.
Closing Financial Accounts
If a user decides to close their account on the platform, they must:
• Ensure all outstanding payments or pending invoices are settled.
• Submit a formal request to close the account via the support interface or account settings.
• Any unused funds will be returned to the user according to the platform’s refund policies.
5. Available Services
Details of Products and Services
Utajir platform offers a wide range of digital products and services to its users. These products and services include:
• Software as a Service (SaaS): The platform provides software solutions as a cloud service. Users can access these services online without the need to download or install software on their devices.
• Business Management Tools: The platform offers solutions for project management, digital marketing, and data tracking.
• Customized Features: Some users can request custom services, such as software customization or solutions tailored specifically to their business requirements.
Categories of Available Services
• Subscription Services: These include services provided on a recurring basis, either through monthly or annual subscription plans. These services may include continuous updates, additional features, or extended technical support.
• Services for Commercial Clients: Tailored packages for companies or large organizations, including extended support services and customized tools.
• Payment and E-commerce Services: The platform provides electronic payment tools and features for setting up online stores, including product and service management, multiple payment methods, and shipping and billing management.
Service Levels Provided
• Basic Services: These include the core packages that enable users to access fundamental functions and features.
• Premium Services: These packages offer advanced service levels, including more sophisticated business management tools, interface customization, and dedicated technical support.
• Support Services: Continuous technical support for all users, with premium support options offering priority assistance and more options for resolving issues.
Geographical Restrictions
Some products and services offered by Utajir may vary depending on the user’s geographical location. These restrictions are applied in accordance with local laws and regulations in each country or region. The limitations include:
Geographic Access to Products
• Supported Countries: The platform is available for use in many countries around the world, but some countries may have legal restrictions preventing access to certain products or services. Users can check the list of supported countries through the product information page on the platform.
• Compliance with Local Regulations: The platform provides services and products that comply with the laws of certain countries regarding privacy, data protection, and financial regulations. Some features or services may be restricted for users in countries requiring stricter legal compliance.
Payment Method Restrictions
• Local Payment Methods: Available payment methods differ depending on the user’s location. Some payment options may only be available in certain countries due to legal or practical constraints.
• International Transactions: Some services, such as global subscriptions, may require international payment methods. Users must ensure they comply with the local regulations of their country when using international payment methods.
Service Provision and Updates
Utajir is committed to providing the best services and products to its users, while continuously updating and developing them. This section includes:
Continuous Service Availability
• 24/7 Availability: Utajir aims to provide services around the clock while maintaining a high level of performance and stability. However, some interruptions may occur due to periodic maintenance or emergency updates.
• Scheduled Maintenance: Maintenance periods are scheduled in advance, and users are notified before they occur. Some updates may require temporary service downtime to ensure proper implementation.
Technical and Software Updates
• Automatic Updates: Technical and software updates are provided periodically to improve performance, fix errors, or introduce new features. These updates are carried out automatically without user intervention.
• Service Modifications: Utajir reserves the right to modify or enhance the services offered based on market needs or technological developments. Users are notified of any significant changes to the services provided.
Update Notifications
• Advance Notifications: Advance notifications are sent via email or through the platform to inform users of important updates or changes to the services. Users are given time to adapt to the changes or review additional details before implementation.
• Optional Update Settings: In some cases, users may be given the option to defer updates or control how they are applied to their accounts or projects, ensuring that their business operations are not disrupted by sudden updates.
Provision of Customized Services
Customized services may be available to users in certain countries based on local agreements. Users can check the availability of these services in their region by contacting the support team or visiting product and service pages.
Compliance with Local Laws
Utajir complies with all local regulations in each region or country where it offers services. This may result in adjustments to certain features or services to align with local laws related to trade, data protection, and taxation.
6. Payment and Fees Policy
Supported Payment Methods (Internal and External Payments)
Utajir offers a variety of payment methods to facilitate transactions for users and businesses. The available payment options include:
Internal Payments
• Platform Payment System: Utajir allows users to pay directly through its integrated system. This system supports multiple payment methods, such as credit cards, debit cards, and local digital wallets.
• Internal Bank Transfers: Users can also pay for products and services through local bank transfers, where Utajir supports local banks compatible with its system.
External Payments
• Stripe and PayPal: The platform supports integration with external payment systems like Stripe and PayPal, allowing users to choose between these options when making payments.
• Stripe: Users can make payments using credit and debit cards through this integrated payment system.
• PayPal: Users with PayPal accounts can easily pay using their available balance or through credit cards linked to their PayPal accounts.
Available Currencies for Payment
• The platform supports a variety of currencies to facilitate international transactions. The available currency options are displayed based on the user’s geographical location and chosen payment method.
Commissions and Terms Related to Payment (External Payments such as Stripe and PayPal)
Utajir is committed to transparency regarding the commissions and terms applied to each transaction. This section includes:
Commissions on Internal Payments
• Minimal Commission: When using the integrated payment systems on the platform, a small commission is added to the product or service cost. This commission varies depending on the type of service, and it is clearly explained to the user before completing the payment.
Payments via External Systems like Stripe and PayPal
• Stripe: If users choose to pay via Stripe, Utajir does not impose any additional commissions on these transactions. Stripe’s terms and fees apply based on the agreement between the user and Stripe.
• PayPal: The same rules apply when using PayPal. Utajir does not charge extra fees for these transactions, but users may be subject to PayPal’s own fees.
• Taxes and Additional Fees: Some countries may impose additional taxes on transactions made via external payment systems. Users should review their local terms of use to understand these fees.
Commission Rates for Custom Services
If customized services such as support or personalized consulting are provided, an additional commission may apply based on the agreement between the user and the platform. Users will be clearly informed of these commissions before any services are rendered.
Automatic Payments and Renewals
Utajir provides options for automatic payments and renewals for subscription services to ensure continuous access without interruption. The conditions related to automatic payments include:
Subscription Services and Automatic Payments
• Automatic Renewal: For monthly or annual subscriptions, the service will be automatically renewed at the end of the current subscription period. The amount will be deducted from the previously registered payment method.
• Renewal Notifications: A notification will be sent to the user well in advance of the renewal date. Users can cancel automatic renewal at any time via their account settings.
Managing Automatic Payments
• Users can modify or cancel automatic payments through their account dashboard. Automatic payments must be canceled before the renewal date to avoid being charged.
• Refund of Automatic Payments: In the event of an error in an automatic payment, users can request a refund in accordance with the platform’s refund policy.
Cancellation and Suspension Terms
• Subscription Cancellations: Users have the right to cancel their subscription at any time via their account dashboard. However, cancellations must be made before the renewal period ends to avoid being charged.
• Service Suspension: If the payment cannot be successfully processed from the registered payment method, the service may be temporarily suspended until the payment information is updated or an alternative payment method is provided.
7. Digital Currency Payment Terms
Utajir offers the option to pay using digital currencies to meet the needs of users who prefer using these modern methods. These terms establish a framework for organizing digital currency payments and ensuring secure and regulated transactions. The goal is to protect users from potential financial and legal issues while ensuring compliance with legal and security requirements.
Supported Digital Currencies
Utajir supports a number of popular digital currencies, chosen based on their relative stability and security. Supported currencies include but are not limited to:
• Bitcoin (BTC) • Ethereum (ETH) • Litecoin (LTC) • USDT (Tether)
Utajir reserves the right to modify the list of supported digital currencies at any time based on market factors or legal changes.
Digital Currency Transfers
• Transfer Process: Users must ensure that they enter correct information when making transfers using digital currencies, such as the correct wallet address. Utajir is not responsible for any incorrect transfers that result from inaccurate data provided by the user.
• Automatic Conversions: If a user opts to convert their digital currency into local currency or any other currency, additional conversion fees may apply, and the conversion rate will be based on market prices at the time of the transaction.
• Transfer Time: The time required to complete a digital currency transfer depends on the network of the chosen currency, and may vary based on network congestion and the number of required confirmations. Users should be patient and ensure that all necessary confirmations are completed.
Commissions and Terms for Digital Currencies
• Transaction Fees: Utajir charges a small fee for transactions made using digital currencies. These fees vary depending on the digital currency used and its network activity. All fees will be clearly displayed before completing any payment.
• Fee Responsibility: Users are responsible for all fees associated with digital currency transfers, including blockchain network fees required for transaction confirmations.
• Price Fluctuations: Digital currency prices can change rapidly, so the price of the currency at the time of transfer is used. Utajir is not responsible for any changes in currency value after the payment has been confirmed.
Legal and Regulatory Compliance
• Compliance with Laws: All users must comply with local and international laws related to the use of digital currencies. Utajir reserves the right to refuse or suspend any payment if it violates any laws or regulations.
• Identity Verification: In some cases, users may be required to provide additional information to verify their identity when using digital currencies, to ensure compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
Refund and Return Policies
• No Refunds for Digital Currencies: Due to the nature of digital currencies and their price volatility, refunds for payments made with digital currencies may not be possible. Refund decisions are made on a case-by-case basis in accordance with the platform’s rules. • Special Cases: In cases of payment disputes or errors, refund or replacement requests will be reviewed by the technical support team. Users must provide the required evidence and documentation to ensure fair processing of the request.
Security and User Protection
• Encryption and Security: Utajir uses encryption technologies to ensure the security of digital transactions, including the use of secure digital wallets. However, it is the user’s responsibility to protect their wallet’s private keys. • Fraud Risks: Utajir warns users of the potential risks of fraud and cyber-attacks when using digital currencies. Users are advised to verify wallet addresses and ensure that they are dealing with trustworthy entities before making any transfers.
Updates to Digital Currency Policy
Utajir reserves the right to modify or update these terms at any time based on market changes or legal regulations. Users will be notified of any major updates via email or platform announcements.
8. Refund and Compensation Policy
Refund Terms:
Monthly Subscriptions:
• Free Trial Period: Users are entitled to a 14-day free trial period starting from the initial registration date. During this period, users can cancel the subscription without any fees or charges.
• Post-Trial Subscription: After the free trial period ends and monthly payments begin, users are not entitled to any refunds. The monthly subscription is considered a short-term commitment, as users have already had the opportunity to try the service for free.
• Subscription Cancellation: Users can cancel the subscription at any time, but the service will remain active until the end of the paid subscription period. No refunds will be provided for any portion of the paid fees.
Annual Subscriptions:
• Post-Free Trial Subscription: For annual subscriptions, if the user subscribes after the free trial period, they agree to the terms of the annual subscription, and no refunds will be issued for any payments made. The annual subscription represents a 12-month commitment based on the user’s complete experience with the service.
• Long-Term Commitment: Once a user subscribes to the annual plan and pays the fees, no full or partial refunds will be provided. The subscription is considered a long-term commitment, and the user agrees to all terms upon payment.
Refund Exceptions:
• No Refund for Usage: If the user has utilized a significant portion of the service (e.g., creating projects, using tools, or accessing technical support), they are not entitled to a refund.
• Terms Violation: If the subscription is canceled or service is terminated due to a violation of platform terms (e.g., misuse, fraud, or illegal activity), no refund will be provided.
Refund Processing Time:
Processing Timeframe:
• Upon meeting the refund eligibility criteria (as outlined in the special cases below), refund requests will be processed within 7 business days from the date of request submission. • Refunds will be returned to the original payment method within 10 to 14 business days after completing the review and approval process.
Time Exceptions:
• Refunds may take longer in case of technical issues or delays with external providers like payment gateways or banks. Users will be notified of any expected delays.
Exceptional Refund Conditions:
Special Cases:
• Significant Technical Failures: If there are significant technical issues or major problems with the service that prevent the user from accessing or fully utilizing the platform, a partial or full refund may be considered. • Service Mismatch: If the provided service significantly deviates from what was advertised or promoted, the user may claim a partial refund based on the extent of the impact on their overall experience.
Service Cancellation Due to Emergencies:
• Personal Emergencies: If users face personal emergencies (e.g., illness or personal emergencies) that prevent them from continuing to use the service, an exceptional refund request can be submitted. Each case will be reviewed individually based on the provided documentation.
• Force Majeure: If there are events of force majeure or general emergencies (e.g., pandemics, natural disasters) that disrupt the service for extended periods, users may request a partial refund based on the impact of such events on the service.
Automatic Cancellation:
• If the user fails to pay the subscription fees by the due date, the subscription will be automatically canceled after 5 days of delay. In this case, no previously paid amounts will be refunded.
Re-Subscription After Cancellation:
• If the user cancels the subscription and decides to re-subscribe within a short period, they are not entitled to another free trial or refunds for any previously paid amounts.
• In cases of frequent cancellations within short periods (less than 3 months between each cancellation), future refund requests will be denied.
9.Fraud Prevention Policy
Fraud Prevention Measures:
Transaction Monitoring:
• We regularly monitor all financial transactions on the platform using advanced analytics systems to detect any unusual or suspicious activity.
• Clear criteria are established to identify suspicious transactions, such as sudden changes in user behavior or unauthorized access attempts.
Multi-Factor Authentication (MFA):
• Access to sensitive accounts and the completion of financial transactions require multi-factor authentication to ensure accounts are protected from unauthorized access.
• Verification codes are sent via text messages or email, adding an extra layer of security when attempting to log in or perform any financial actions.
Periodic Account Verification:
• Users are required to periodically update their personal information to ensure accuracy, reducing fraud related to outdated or incorrect account data.
• Account activities are regularly reviewed to ensure they align with the user’s usual behavior
Financial Transaction Limits:
• Limits are placed on the financial amounts that can be processed in a single transaction or within a defined period to prevent attempts at large-scale fraud.
• Requests to raise transaction limits are manually reviewed by the security team to verify information.
Security Techniques in Use:
Advanced Data Encryption:
• We use end-to-end encryption to ensure the confidentiality of data exchanged between users and our servers. All financial transactions and sensitive personal information are processed through encrypted channels.
• Stored data is encrypted using industry-recognized security standards to protect it from any potential threats or hacking attempts.
Firewalls:
• Strong firewalls are used to protect servers from any hacking attempts or unauthorized access. They prevent unauthorized access to systems and data.
• Firewalls are updated regularly to ensure they are equipped to handle the latest cybersecurity threats.
Behavioral Analysis Using AI:
• Artificial intelligence and big data analytics are employed to detect any suspicious or abnormal behaviors. These technologies are crucial for identifying fraudulent activities that might otherwise go unnoticed.
• The system alerts the security team when any unusual activity or potential breach is detected.
Permission Management:
• Strict policies on permissions for accessing sensitive data are enforced. Permissions are granted only to authorized users based on their functional needs.
• Permission levels are carefully managed to ensure each user can only access the data they need to perform their tasks without being able to alter unrelated data.
Reporting Suspicious Activity:
Quick Reporting Channels:
• If a user notices any suspicious or unusual activity on their account or while using the platform, they can immediately report it via an electronic form available on the platform or through a dedicated email for user support.
• A direct support line is available for urgent cases related to potential fraud or hacking attempts.
Handling Reports:
• Upon receiving a report of suspicious activity, an internal investigation is immediately initiated to verify the validity of the report. All records related to the account and user are reviewed to confirm any abnormal activity.
• If fraud or hacking is confirmed, immediate actions such as freezing affected accounts and notifying the concerned users are taken.
Collaboration with Authorities:
• In the event of significant financial fraud or law-related violations, we work directly with the relevant legal authorities to provide necessary information and assist in investigations.
• All technical evidence and data related to accounts involved in suspicious activity are made available to the authorities.
User Reassurance:
• If it is confirmed that a user’s account has been subject to fraud, full support is provided to recover any lost funds or repair any damage caused by the fraudulent activity.
• We commit to providing legal protection for affected users and working with external entities to resolve disputes as quickly as possible.
10.Price and Service Modifications Policy
• Price Adjustment Procedures:
Timeframe for Adjustments:
• We reserve the right to modify subscription and service prices on the platform at any time due to market changes, operational costs, or updates to the service structure. New pricing will be set according to various factors, such as service expansion or overall platform performance improvements.
Adjustment Process:
• Adjustments will be implemented by updating the pricing tables on the website and platform application. New prices will take effect starting from the specified date in the notification, and will not impact current contracts or active subscriptions until the end of the current subscription period.
Periodic Reviews:
• Prices may be reviewed periodically (e.g., every six months or annually) to ensure they align with the actual costs of running the platform and delivering services. Any price changes will be announced with advance notice to users.
• User Notification of Changes:
Advance Notice:
• Users will receive advance notice of any price changes at least 30 days before the changes take effect. Notifications will be sent via the registered email associated with the account or through an in-platform notification.
Notification Content:
• The notification will provide detailed information on the planned changes, including explanations for the price increase or decrease and the date when the new prices will become effective. It will also include guidance on how ongoing subscriptions will be affected, if at all.
Communication Channels:
• Direct communication channels with the support team will be available for inquiries or clarifications about the price changes. Users can request a review of their new invoice or verify subscription details.
• User Right to Cancel:
Cancellation Following Notice:
• If a user does not agree with the new pricing, they have the right to cancel their subscription without incurring any additional fees before the new prices take effect. The user can continue using the service until the end of the current paid subscription period without being affected by the changes.
Cancellation Procedures:
• Subscription cancellations can be easily managed through the platform, where users can submit a cancellation request online. Once the request is received, the cancellation will be processed, and the user will continue to enjoy the service until the pre-paid period ends.
Automatic Application of Changes:
• If the user does not cancel the subscription before the new prices go into effect, the changes will be automatically applied to the next renewal period. In this case, the user assumes responsibility for continuing the subscription under the new pricing.
Reactivation After Cancellation:
• If a user cancels their subscription due to price adjustments but wishes to return to the service later, they may re-register under the current pricing at the time of the new registration, while retaining their previous account rights.
11.Complaints and Dispute Resolution Policy
• How to Submit a Complaint:
Available Communication Channels:
• Users can submit complaints through various channels to ensure easy access to support. These channels include:
• Dedicated support email.
• Complaint submission form on the website.
• Contact via phone or live chat through the platform.
Required Information for Filing a Complaint:
• Complaints must include detailed information to ensure proper handling, such as:
• Account details (name, email, membership number).
• A precise description of the issue or dispute.
• Supporting documents or evidence, if available (e.g., screenshots, invoices, or previous correspondence).
Complaint Receipt Confirmation:
• After submitting a complaint, the user will receive a written acknowledgment confirming receipt and registration in the system, along with a reference number for follow-up.
• Steps for Handling Disputes:
Initial Review:
• The support team will review the complaint within 48 hours of receipt, verifying the accuracy of the information and data provided. If necessary, they will contact the user for additional details or clarification.
Review and Investigation:
• The complaint will be forwarded to the relevant department based on the nature of the dispute. For example, if the complaint concerns payment or financial transactions, it will be referred to the billing department. If it involves technical services or performance issues, it will be sent to the technical support team.
Response Timeframe:
• Complaints will be processed within 5 to 10 business days, depending on the complexity of the issue. During this period, the user will be kept informed of any developments or additional requests.
Dispute Resolution:
• Once the review is complete, a final decision regarding the complaint will be made. The resolution may include a financial compensation, subscription extension, or technical issue resolution.
• The user will be notified of the proposed solution and provided with an explanation of the basis for the decision.
Post-Resolution Follow-Up:
• After the dispute is resolved, the user will be contacted to confirm satisfaction with the outcome. If the user is not satisfied, they may request an additional review by senior management.
• Alternative Methods for Dispute Resolution:
Mediation:
• If a satisfactory resolution cannot be reached through internal procedures, the user may opt for alternative dispute resolution methods. The first option is mediation, where an independent mediator is appointed to facilitate discussions between the parties to reach a friendly settlement.
Arbitration:
• If mediation does not yield results, the parties can agree to arbitration, where the dispute is submitted to an independent arbitration body. The arbitration decision is legally binding and will be enforced according to the applicable laws.
Legal Recourse:
• In cases where the dispute cannot be resolved through mediation or arbitration, the user may take the matter to local courts or appropriate legal authorities, in accordance with the laws and conditions outlined in the Terms of Use.
Consumer Protection Agencies:
• Users may also seek assistance from consumer protection agencies or government entities specializing in resolving commercial disputes if no resolution is reached through the previous methods.
12.Privacy Policy
• Data Collection and Usage:
• The specifics of data collection and usage outlined in this policy are based on the platform’s comprehensive general privacy policies. Users are advised to review the main Privacy Policy page for more detailed information on how data is collected and used, including the types of data collected, how it is processed, and further details regarding any third parties we may engage with.
• Data Protection:
• For more information on the security measures implemented to protect personal data, such as encryption systems and other security policies, please refer to the main Privacy Policy page. There, you will find additional details on how we protect your data from unauthorized access or manipulation.
• User Privacy Rights:
• Users’ rights related to accessing, modifying, and deleting data, including details on how to submit requests for these rights, are explained in greater detail on the main Privacy Policy page. All users are encouraged to visit this page for accurate and comprehensive information on how to exercise their data-related rights.
By providing links to the comprehensive Privacy Policy page, we ensure full and detailed coverage of all aspects related to data protection and user rights.
13.Intellectual Property
• Platform Rights:
The platform holds all rights related to the core components and materials made available to users, including but not limited to, the source code used to develop and operate the platform, visual designs, graphics, text, audio or visual content, logos, trademarks, and copyrights for any content developed in-house.
Users must understand that these elements are protected by local and international intellectual property laws, including copyright, trademark, patent laws, and any other applicable rights.
Intellectual property rights include:
Code and Platform Development: All the code used for platform development, whether front-end or back-end software, is the exclusive property of the platform. Copying, modifying, or reusing this code in any form without written permission from the platform’s management is prohibited.
Designs and Graphics: All visual designs, including graphics, icons, website layouts, and color schemes used in the user interface, are part of the platform’s unique identity and may not be reproduced or modified for commercial or personal use without formal authorization.
Logos and Trademarks: The logos and trademarks used on the platform, whether owned directly by the platform or used under a legal license, are integral to the platform’s brand identity. Use of these logos and trademarks in any other websites or products without explicit permission from the platform’s management is strictly prohibited.
Documents and Text Content: Any documents or texts published on the site, including articles, guidelines, or other educational content, are protected by copyright laws. Republishing, distributing, or modifying them in any form without prior consent from the platform is forbidden.
• User-Submitted Content:
Users should be aware that the content they submit or publish through the platform (e.g., comments, images, illustrations, videos, or other types of data) remains their property, but they grant the platform a non-exclusive license to use this content.
Key points in this section include:
Non-Exclusive License: When a user submits content on the platform, such as a review, comment, image, or video, they grant the platform a non-exclusive, transferable, irrevocable, and perpetual license to use this content. The platform may use this content to provide services, promote the platform, or for any other purpose deemed necessary for improving and developing its services.
Content Modifications and Use: The platform reserves the right to modify user-submitted content if visual or textual enhancements are needed or if any elements conflict with the platform’s policies. This means that users may see changes in the content they provided to meet quality standards and legal requirements.
No Infringement of Third-Party Rights: Users are fully responsible for the content they submit to the platform and must ensure that it does not violate the intellectual property rights of any third parties. If the submitted content infringes on copyrights, trademarks, or any other rights of external parties, the user assumes full legal responsibility for such violations, including any legal claims that may arise.
Right to Promotion: The platform has the right to use user-submitted content for promotional purposes, whether in online marketing campaigns, social media, or other advertising means, without needing additional permission from the user.
• Unauthorized Use:
Any unauthorized use of the platform’s protected content or intellectual property is strictly prohibited. Violations or attempts to infringe these rights may lead to severe legal actions, including:
Copying or Imitation: Copying any part of the platform or its content in any form is forbidden. This includes, but is not limited to, physical or digital copying of any elements of the site.
Unauthorized Modification or Distribution: Modifying or redistributing any of the platform’s protected content is not allowed. Any unauthorized modification or distribution constitutes a direct violation of intellectual property rights and may result in legal penalties.
Commercial Use: Using any content from the platform for commercial purposes or profit without obtaining prior written authorization from the platform’s management is prohibited. Any commercial use without legal permission is a serious legal breach, and violators will be fully liable.
Legal Actions and Penalties: The platform reserves the right to take any legal action against individuals or entities that infringe on intellectual property rights. These actions may include seeking financial compensation, issuing legal warnings, or pursuing court orders to prevent any unauthorized use.
Reporting Violations: If users discover any violations or illegal use of the platform’s intellectual property rights, they are encouraged to report it immediately to the platform’s management. The administration will investigate reported violations and take appropriate measures to protect the platform’s rights.
14.User Obligations
• Prohibited Activities:
The platform imposes strict restrictions on permitted activities, and users must comply to ensure legal and effective use of the platform. Prohibited activities include the following:
Posting or Distributing Illegal or Offensive Content: It is strictly prohibited to post or distribute any content that includes illegal, offensive, racist materials, or content that promotes violence and hatred. This applies to text, images, videos, or any other form of communication.
Fraud or Manipulation: Users are prohibited from attempting any form of fraud or manipulation to gain unlawful benefits through the platform. This includes tampering with financial transactions or attempting to deceive other users.
Infringement of Intellectual Property Rights: Users are not allowed to upload or post any content that infringes the intellectual property rights of others, including copyrights, trademarks, or patents. Users must ensure that any content submitted is owned by them or legally licensed for use.
Harmful Activities Against the Platform: Any activities that could negatively impact the platform’s operations or cause disruptions, such as hacking, using malicious software, or attempting to exploit security vulnerabilities, are strictly prohibited.
Bullying and Harassment: The use of the platform for any form of bullying or harassment against other users is strictly forbidden, including threats, insults, or any form of abuse.
Using Fake Accounts or Identity Theft: Accounts used on the platform must be authentic and registered under the names of the respective individuals or companies. The use of fake accounts or impersonation is strictly prohibited.
Illegal or Unauthorized Activities: Using the platform for illegal or unauthorized purposes, such as promoting illegal activities or banned services, is strictly prohibited.
• User’s Legal Responsibility:
The user bears full responsibility for activities performed on the platform and must comply with all applicable laws and the platform’s specified terms and policies. Legal responsibilities include:
Compliance with Terms and Laws: Users are responsible for full compliance with all local and international laws related to using the platform, including laws concerning data protection, intellectual property rights, and e-commerce.
Accuracy and Validity of Provided Information: Users are responsible for the accuracy and validity of all information submitted through the platform, including personal data and financial information. Any false or misleading information may result in account suspension or termination.
Account Security: Users are responsible for maintaining the security and confidentiality of their account information, including passwords. Any unauthorized account use resulting from negligence may expose the user to legal liability.
Compensation for Damages: If the user causes material or moral harm to the platform or other users due to a breach of terms or laws, the user is liable to fully compensate for such damages
• Consequences of Violating the Terms:
If a user violates the platform’s terms and conditions, the following actions may be taken depending on the nature and severity of the violation:
Initial Warning: In cases of minor or incidental violations, the platform may issue an initial warning to the user to cease the violating activity and correct their behavior.
Account Suspension: For repeated or severe violations, the user’s account may be temporarily suspended. During the suspension, the user will not have access to their account or platform services.
Permanent Account Termination: In cases of repeated or severe violations that pose a threat to the platform’s security or its users, the user’s account may be permanently terminated, and they will not be allowed to use the platform again.
Legal Action: If the violation results in financial or legal damages to the platform or its users, the platform reserves the right to take necessary legal action against the violating user, including seeking compensation or filing a lawsuit.
Reporting to Authorities: If the violating activity involves illegal activities (e.g., fraud or cyber theft), the platform reserves the right to report the incident to the appropriate authorities for legal action.
15.Legal Disclaimer
• Platform Liability Limitations:
No Responsibility for User-Generated Content: The platform is not liable for the accuracy or reliability of content posted by users. Each user bears full responsibility for the content they submit on the platform, whether it includes text, images, videos, or other media.
Services Provided “As Is”: All services offered by the platform are provided on an “as is” and “as available” basis. The platform does not guarantee that services will be available at all times or free from errors. No express or implied warranties are made regarding the quality of the services or their fitness for a particular purpose.
No Liability for Indirect Damages: The platform is not responsible for any indirect, special, incidental, or consequential damages that may arise from the use or inability to use the platform or the services provided. This includes damages resulting from data loss, loss of profits, or business interruptions.
Limited Liability for Technical Issues: The platform is not liable for technical malfunctions, server issues, or equipment failures that may cause service interruptions or data loss. The platform is committed to resolving technical problems as quickly as possible without any obligation to provide compensation.
External Links: The platform may contain links to external websites or other resources. The platform is not responsible for the content or practices of those websites, and users assume full responsibility for using such links independently.
• Force Majeure (Uncontrollable Circumstances):
Definition of Force Majeure: Force majeure includes any unforeseen or uncontrollable event that prevents the platform from providing services or fulfilling its obligations under these terms. Such events may include (but are not limited to) natural disasters, wars, cyberattacks, pandemics, economic crises, or significant power or communication outages.
No Liability During Force Majeure Events: In the event of a force majeure situation, the platform will not be held liable for any delays or disruptions in service delivery. The platform will be exempt from its obligations for the duration of the event.
Resumption of Services After Resolution: After the force majeure circumstances have subsided, the platform will make efforts to resume services as quickly as possible. However, some time may be required to fully restore service operations.
Precautionary Measures: The platform may take precautionary measures such as suspending or reducing certain services during force majeure events to ensure user safety and minimize negative impacts.
16.Account Termination
• Account Termination or Suspension Procedures:
User-Initiated Termination Request: Users may request to terminate their accounts at any time through their account settings or by contacting the platform’s support team. The user must follow the required steps to submit the termination request and verify their identity to ensure account security.
Platform-Initiated Termination: The platform reserves the right to terminate or suspend any user account if the terms of use are violated, or in cases of fraud, illegal activities, or misuse of the services. Users will be notified of actions taken against their accounts, though suspension may occur without prior notice if circumstances warrant immediate action.
Administrative Termination: In certain cases, the platform may decide to suspend or terminate specific accounts for administrative reasons, such as policy updates or restructuring of the platform’s administrative or technical framework. Users will be notified in advance in these situations.
• Consequences of Account Termination:
Loss of Access to Account and Services: Once an account is terminated, the user loses access to all data and content uploaded to the platform. The user will not have the right to retrieve deleted content or data unless otherwise stated in the policies.
Active Subscriptions and Non-Refundable Fees: If the account is terminated while an active subscription is in place, the user will not be entitled to a refund for the remaining subscription period, especially if the termination results from a violation of the terms of use.
Loss of Rights and Benefits: With the account termination, the user forfeits all rights and benefits associated with the account, such as promotional programs, discounts, or earned points.
• Data Retention After Termination:
Temporary Data Retention: After account termination, the platform may retain certain personal data or other information for a specified period in accordance with legal requirements or for security purposes and investigations of unlawful activities. The retained data is periodically reviewed and deleted when there is no legal or operational need to keep it.
Platform’s Privacy Obligations: During the data retention period following account termination, the platform is committed to maintaining the confidentiality of the data and protecting it from unauthorized access. The platform applies the highest security standards to ensure the protection of personal information.
Permanent Data Deletion: After the end of the legal or operational retention period, the platform will permanently delete all data associated with the account, including personal information, transaction records, and activity logs generated during the user’s time on the platform.
17.Governing Law and Dispute Resolution
This section outlines the laws applicable to the contractual relationship between users and the platform, as well as the procedures for resolving disputes that may arise, including arbitration and the jurisdiction of competent courts. It should be comprehensive to avoid any misunderstandings and to ensure the protection of both the platform’s and users’ rights.
• Applicable Laws:
Local Law Application: The contractual relationship between the platform and its users is subject to the local laws of the country where the platform is located or the country where the user resides. This means that any dispute arising from the use of the platform or services provided through it will be resolved based on these laws.
Conflict of Laws: In the event of a conflict between local laws and the laws of another country (if the user resides in a different jurisdiction), the local laws of the platform will apply unless otherwise stated in the terms and conditions.
Special Exceptions: Some services provided by the platform may be subject to specific laws or international regulations, especially if the platform engages in international transactions or uses financial services with third parties such as Stripe or PayPal. These exceptions will be clearly communicated to the users when applicable.
• Competent Jurisdiction:
Determining the Competent Court: In the event of a legal dispute between the user and the platform, the competent jurisdiction is determined based on the location of the platform. Typically, the local courts in the country where the platform’s headquarters are located will be responsible for resolving disputes, unless otherwise agreed upon.
Agreement to Jurisdiction: By using the platform or subscribing to its services, the user implicitly agrees that any dispute arising will be resolved through the aforementioned competent courts, which have exclusive authority to handle any legal claims.
Exceptions for International Agreements: In some cases, agreements between the user and the platform may designate an external jurisdiction for resolving international disputes. This will be specified clearly in the contracts or terms of service provided.
• Arbitration Terms:
Arbitration as a Dispute Resolution Method: The platform encourages dispute resolution through arbitration rather than resorting to the courts, which allows for faster and more efficient resolution. Under these terms, users and the platform can agree to appoint an independent arbitrator to resolve disputes.
Mandatory Arbitration: In certain cases, arbitration may be mandatory for all disputes related to the services provided by the platform, particularly concerning financial transactions or subscriptions. This is outlined in the user agreements agreed to upon registration.
Arbitration Procedures: Arbitration must be conducted in accordance with the applicable laws, including the appointment of arbitrators, arbitration session procedures, and the enforcement of final decisions. Arbitration decisions are generally binding for both parties and cannot be appealed, except in exceptional cases.
Waiver of Litigation Rights: By using the platform’s services, the user agrees to waive the right to litigate minor disputes and consents to arbitration as the exclusive means of resolving these disputes. Users may only resort to courts in certain cases related to violations of platform terms or intellectual property disputes.
These policies ensure clarity in the application of legal principles and provide structured procedures for resolving disputes, enhancing both legal security and user satisfaction.
18.Acceptance and Agreement to Terms
By accessing or using the “Utajir” platform, whether as a visitor or a registered user, you acknowledge and agree to be fully bound by all the terms and conditions outlined herein. If you do not agree with any of these terms, you must immediately cease using the platform. Your continued use of the platform following any changes to the terms constitutes your explicit acceptance of such changes. We reserve the right to modify or update these terms at any time, and you are responsible for periodically reviewing them to ensure you are aware of the most recent updates. You will be notified of any material changes through a notification on the platform or via the email address registered to your account.
© 2024 Utajir, All Rights Reserved,
Company at Dubai. UAE
