Terms of Service

Moazaf (app.moazaf.com) is a hosted platform with two parts:

• Software: tools for managing companies, employees, documents and renewals, vehicles and assets, requests, leave, attendance and payroll/WPS files.
• Marketplace: a place where independent service providers offer visa, PRO and related government-transaction services (see section 5).

These Terms are an agreement between you and SMBDM Technology, and they govern your use of Moazaf. If you accept them on behalf of an organisation, you confirm that you have authority to bind it, and "you" means that organisation. By creating an account or using Moazaf you accept these Terms.

The workspace owner manages membership, permissions and approval settings. You are responsible for:

• providing accurate information;
• keeping account credentials secure;
• giving employees, administrators and other users only the access they need;
• everything done by users you authorise;
• having the necessary rights and lawful basis to upload and process personal data (see section 9);
• using Moazaf lawfully and in line with these Terms.

You must not upload unlawful content, infringe anyone's rights, introduce malicious software, attempt to bypass security or access controls, or access another customer's data. Tell us promptly at support@moazaf.com if you suspect unauthorised access.

You own the information and files you upload ("Customer Data"). You authorise us to host, transmit and process Customer Data only as needed to provide, maintain, secure and support Moazaf, to follow your instructions and to comply with law. We do not acquire ownership of Customer Data.

Moazaf helps with payroll calculations, WPS file preparation, document extraction and renewal tracking. It does not replace professional legal, accounting or employment advice.

You must check employee information, extracted fields, calculations and generated files before relying on or submitting them. Generating a WPS file does not transfer wages and does not guarantee acceptance by a bank or authority.

Document AI is optional and can be switched on or off per workspace. When used, the relevant document content is sent to our AI provider (OpenAI and Anthropic). AI output may contain errors and must be reviewed before use.

5.1 Providers. Visa, PRO and other services listed on Moazaf ("Marketplace Services") are supplied by the provider named on the listing ("Provider"). Some Providers are companies in the same group as SMBDM Technology, such as SMBDM Businessman Services. Group-company listings are marked as such.

5.2 Who you contract with. When you order a Marketplace Service, your contract for that service is with the Provider. SMBDM Technology runs the platform, and it is not a party to that contract unless the listing states otherwise.

5.3 Provider responsibility. Each Provider is responsible for: its own services, licences and staff; the accuracy of its listings; complying with the law. We check that each Provider holds a valid UAE trade licence before listing them. Beyond that, we do not guarantee any Provider's work.

5.4 Government decisions. Visas, permits and approvals are decided by government authorities. Neither we nor any Provider can guarantee an outcome or a processing time.

5.5 Fees. Each listing shows the Provider's service fee and any government fees separately before you order. Government fees are passed through at cost. Once a government fee is paid it is non-refundable unless the authority refunds it.

5.6 Your documents. Ordering a Marketplace Service means you instruct us to share the documents and data the Provider needs to perform it.

5.7 Complaints. Raise a complaint about a Marketplace Service with the Provider through Moazaf. We will help pass on the complaint, but we are not responsible for resolving it unless we are the seller.

6.1 The prices, features, limits and billing intervals of each plan are shown on the pricing page and at checkout before you buy. Prices are in AED. SMBDM Technology L.L.C is not VAT-registered, so VAT is not added. Invoices are ordinary invoices, not tax invoices.

6.2 New workspaces get a 14-day Business trial with no payment card. Starting a trial does not authorise any charge. If the trial ends without a paid plan, the workspace moves to the Free plan. Existing records stay readable, but new records beyond the Free limits cannot be created.

6.3 Paid subscriptions renew automatically for the same monthly or annual period until cancelled. By subscribing you authorise the recurring charges shown at checkout.

6.4 Business subscriptions and the Payroll add-on are charged per active employee, not per administrator login. Increases in employee count apply immediately, with a pro-rata charge. Decreases apply from the next renewal.

6.5 If a payment fails, we will retry and notify you. If payment is still outstanding 14 days after notice, we may restrict the workspace to read-only until payment is made.

6.6 Payments are processed by Stripe. We do not store full card numbers.

7.1 You can cancel renewal at any time in billing settings or by emailing support@moazaf.com. Cancellation takes effect at the end of the current paid period, and you keep access until then.

7.2 Fees already paid are non-refundable, including for unused parts of a period, except: to correct a billing error; where we agree in writing; or where the law requires a refund.

7.3 Refunds for Marketplace Services follow the Provider's stated terms and section 5.5.

7.4 Nothing in this section limits any mandatory rights you have as a consumer under UAE consumer protection law.

7.5 Cancelling a subscription does not delete your workspace (see section 10).

We use reasonable efforts to keep Moazaf running and supported. Maintenance, technical incidents or events outside our reasonable control may interrupt the service. No uptime or response-time commitment applies unless agreed in a signed Enterprise agreement, which will set out its own remedies.

Support: support@moazaf.com. General enquiries: hello@moazaf.com.

9.1 We process personal data in line with the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021) and our Privacy Policy below.

9.2 For employee and other personal data you manage in your workspace: you are the controller and we are your processor; we process that data only on your instructions and as these Terms describe; where we process personal data on your behalf, we do so only on your instructions, keep it confidential and secure, use only the sub-processors listed in our Privacy Policy, and return or delete it when you leave (section 10).

9.3 You confirm that you have the consent of, or another lawful basis for, each individual whose data you upload, and that you have given them any required notice. This includes notice that their data may be processed outside the UAE (section 9.4).

9.4 Moazaf is hosted on Amazon Web Services in Mumbai, India. Email is sent through Amazon SES. AI and payment providers may process data in other countries. We transfer personal data outside the UAE only on a basis permitted by law. We use contractual safeguards with these providers.

9.5 If we become aware of a breach affecting your Customer Data, we will notify you without undue delay and help you meet your own notification duties.

10.1 We may suspend or restrict access where reasonably necessary because of: a security risk; unlawful use; material breach; or unpaid fees (section 6.5). Where lawful and practicable, we will give notice and a chance to fix the issue first.

10.2 You may close your workspace at any time. We may terminate these Terms in either of these cases: you materially breach them and do not fix the breach within 14 days of notice; or we stop offering Moazaf, on 60 days' notice, with a pro-rata refund of prepaid fees.

10.3 After closure or termination: access ends; you can request an export for 30 days; Customer Data is then deleted from production systems; backups expire within 35 days. We keep records that we are legally required to keep, such as invoices, and only for that purpose.

10.4 Sections 3, 5.2–5.4, 7.2, 9, 11, 12, 13 and 14 survive termination.

11.1 Moazaf's software, design, branding and content belong to SMBDM Technology or its licensors. While your subscription is active, we give you a non-exclusive, non-transferable right to use Moazaf for your internal business purposes, in line with these Terms.

11.2 You must not copy, resell, sublicense, reverse engineer, scrape or build a competing product from Moazaf, except as the law expressly allows.

11.3 If you send us suggestions or feedback, we may use them freely without any obligation to you.

12.1 Neither party is liable for indirect or consequential loss, or for loss of profit, revenue, goodwill or data, whether foreseeable or not.

12.2 Our total liability arising out of or in connection with Moazaf in any 12-month period is limited to the subscription fees you paid us in the 12 months before the claim arose.

12.3 We are not liable for Marketplace Services supplied by Providers (section 5), except where SMBDM Technology is itself the seller of that service.

12.4 Sections 12.1 and 12.2 do not limit: liability for fraud, wilful misconduct or gross negligence; your obligation to pay fees; or any liability that cannot be limited under UAE law.

We may update these Terms. We will give at least 30 days' notice of material changes or renewal-price increases by email and in-app, unless a shorter period is required for legal or security reasons.

If you do not accept a material change, you may cancel before it takes effect and receive a pro-rata refund of any prepaid fees. Continuing to use Moazaf after the change takes effect means you accept it.

These Terms are governed by the federal laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of the Emirate of Dubai (Dubai Courts) have exclusive jurisdiction. This does not affect any mandatory consumer rights.

Legal notices: SMBDM Technology L.L.C, Office C-11, Al Khabaisi, Deira, Dubai, United Arab Emirates, legal@moazaf.com.

Support: support@moazaf.com. General: hello@moazaf.com.