Terms of Use

Effective date: June 10, 2026

These Terms of Use (“Terms”) govern your use of the Iyas iOS application (the “App”) and the Iyas Pro subscription. By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. License

The App is licensed, not sold, to you for use on Apple-branded devices you own or control, as permitted by the App Store terms. Unless we provide a separate license agreement, your use of the App is governed by Apple’s Licensed Application End User License Agreement (Standard EULA), supplemented by these Terms. Where these Terms conflict with the Standard EULA, the Standard EULA prevails for matters it covers.

2. Iyas Pro subscription

• What it is. Iyas Pro is an optional auto-renewable subscription that unlocks additional features (such as the financial health score, sustainable-spend guidance, smart nudges, behavioral insights, investment and property tools, multi-device iCloud sync, and the “Ask Iyas” assistant).
• Billing. Payment is charged to your Apple ID account at confirmation of purchase, at the price shown in the App before you subscribe.
• Auto-renewal. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the current period.
• Managing and cancelling. You can manage or cancel the subscription at any time in your App Store account settings (Settings → your name → Subscriptions on your iPhone). Deleting the App does not cancel the subscription.
• Free tier. The core features of the App remain available without a subscription.
• Refunds. Purchases and refunds are handled by Apple under the App Store’s terms; refund requests are made to Apple at reportaproblem.apple.com.

3. Not financial, legal, tax, or religious advice

The App provides informational and educational calculations only — budgets, projections, affordability checks, zakat estimates, retirement simulations, and similar figures are estimates produced from the data you enter and from general assumptions. They are not professional financial, investment, legal, tax, or religious advice, and no advisor–client relationship is created by using the App.

• Zakat figures are estimates. Zakat rules vary by school of jurisprudence and by personal circumstances — please consult a qualified scholar before relying on any zakat amount.
• Projections and simulations describe hypothetical scenarios; actual outcomes will differ. Past or assumed rates do not guarantee future results.
• You are solely responsible for your financial decisions.

4. Your data and your responsibility

All data you enter is stored on your device (and, for Pro subscribers who enable it, in your personal iCloud). You are responsible for the accuracy of the data you enter and for maintaining device backups. Deleting the App deletes its local data. See the Privacy Policy for details.

5. Acceptable use

You agree not to reverse engineer, decompile, or attempt to extract the source code of the App except as permitted by law; not to use the App for unlawful purposes; and not to misrepresent output of the App as professional advice to third parties.

6. Disclaimer of warranties

The App is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy of calculations, and non-infringement, to the maximum extent permitted by applicable law. We do not warrant that the App will be error-free or uninterrupted, or that exchange rates, valuations, or projections are accurate or current.

7. Limitation of liability

To the maximum extent permitted by applicable law, the developer shall not be liable for any indirect, incidental, special, consequential, or exemplary damages — including financial losses, lost profits, or lost data — arising from or related to your use of (or inability to use) the App or reliance on its calculations. To the extent liability cannot be excluded, our total aggregate liability shall not exceed the amount you paid for the App and subscriptions in the twelve months preceding the claim. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

8. Changes to the App and to these Terms

We may modify, add, or remove features of the App over time. We may also update these Terms; the current version is always at iyas.idemery.com/terms.html with its effective date. Continued use of the App after an update constitutes acceptance of the updated Terms.

9. Governing law

These Terms are governed by the laws of the Kingdom of Saudi Arabia, without regard to conflict-of-law rules, and subject to any mandatory consumer-protection law of your country of residence that applies regardless of choice of law.

10. Contact

Questions about these Terms? Email iyas@idemery.com.