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Terms of Service

Last updated: April 2026 | SrivTCH Technologies LLC | Licence 2431076.01

1. Acceptance of Terms

By accessing and using Invoxa ("Platform"), you accept and agree to be bound by these Terms of Service and all applicable laws and regulations of the United Arab Emirates. If you do not agree with any of these terms, you are prohibited from using this Platform. These Terms constitute a legally binding agreement between you ("User") and SrivTCH Technologies LLC, a company registered under Shams Free Zone, Sharjah, UAE (Licence No. 2431076.01).

2. Description of Service

Invoxa provides cloud-based financial management software including but not limited to: - UAE FTA-aligned invoice generation (PINT-AE 3.0 standard) - Bank statement processing and AI-powered transaction categorisation - VAT return preparation and Corporate Tax calculations - Financial reporting including Profit & Loss and Cash Flow statements - Document management and compliance tracking The Platform is designed for use by UAE-registered businesses and follows Federal Tax Authority (FTA) e-invoicing guidelines.

3. User Obligations

You agree to: - Provide accurate and complete information when registering and using the Platform - Maintain the confidentiality of your account credentials and Multi-Factor Authentication (MFA) codes - Ensure all financial data entered is accurate and complies with UAE law - Not use the Platform for any unlawful purpose or in violation of UAE laws - Not attempt to gain unauthorised access to any part of the Platform - Notify us immediately of any unauthorised use of your account You are solely responsible for all activity that occurs under your account.

4. Financial Data and AI Processing

The Platform uses Artificial Intelligence (AI) to categorise bank transactions and extract data from invoices. You acknowledge that: - AI categorisation is an automated process and may not always be accurate - You must review and confirm all AI-generated categorisations before using them for tax or legal purposes - The Platform does not constitute financial, tax, or legal advice - All AI decisions are logged and traceable in compliance with ISO 42001 principles (AI Management Systems) - You should consult a qualified UAE-registered accountant or tax advisor for official tax filings SrivTCH shall not be liable for any financial loss arising from reliance on AI-generated outputs without human review.

5. UAE VAT and Corporate Tax Compliance

The Platform assists with UAE VAT (5%) calculations and Corporate Tax (9%) estimates. However: - Generated VAT201 documents are for reference only and must be verified before submission to FTA - You remain solely responsible for accurate and timely tax filings on EmaraTax - SrivTCH is not a registered Tax Agent under UAE FTA regulations - Corporate Tax calculations are estimates and should be verified with a registered Tax Agent - VAT filing deadlines are the sole responsibility of the registered taxpayer Failure to file accurate and timely tax returns is the responsibility of the business owner.

6. Data Security

SrivTCH follows ISO 27001 Information Security Management principles including: - All data is encrypted in transit (TLS 1.3) and at rest (AES-256) - Access is controlled through Multi-Factor Authentication (MFA) - Complete audit logs are maintained for all actions - Data is stored on AWS infrastructure in eu-west-1 (Ireland) - Regular security assessments are conducted - Incident response procedures are in place In the event of a data breach, we will notify affected users within 72 hours as required by UAE PDPL.

7. Subscription and Payment

Platform access is provided on a subscription basis: - Professional Plan: AED 199/month — unlimited invoices, full platform features A 14-day free trial is available with no credit card required. Subscriptions are billed monthly in advance. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial months. Prices are exclusive of UAE VAT (5%).

8. Intellectual Property

All content, features, and functionality of the Platform including but not limited to text, graphics, logos, and software are owned by SrivTCH Technologies LLC and are protected by UAE intellectual property laws and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without express written permission from SrivTCH Technologies LLC.

9. Limitation of Liability

To the maximum extent permitted by UAE law, SrivTCH Technologies LLC shall not be liable for: - Any indirect, incidental, or consequential damages - Loss of profits, revenue, data, or business opportunities - Errors in AI-generated financial categorisations - Tax penalties arising from incorrect filings based on Platform outputs - Service interruptions or data loss due to circumstances beyond our control Our total liability to you shall not exceed the amount paid for the Platform in the three months preceding the claim.

10. Termination

We may terminate or suspend your account immediately, without prior notice or liability, if you breach these Terms. Upon termination: - Your access to the Platform will cease immediately - Your data will be retained for 90 days then permanently deleted - You may request a data export within 30 days of termination - Outstanding subscription fees remain due and payable

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Sharjah, UAE. In the event of a dispute, both parties agree to first attempt resolution through good-faith negotiation for a period of 30 days before initiating legal proceedings.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email at least 14 days before the changes take effect. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

13. Contact Information

For questions about these Terms, contact: SrivTCH Technologies LLC Shams Free Zone, Sharjah, UAE Licence No: 2431076.01 Email: sriv@srivtch.com

14. Standards Alignment Disclosure

Invoxa is designed and developed following internationally recognised standards including ISO 27001 (Information Security), ISO 42001 (AI Governance), and UAE FTA PINT-AE 3.0 e-invoicing guidelines. Important: Invoxa is not currently formally certified by ISO, the UAE Federal Tax Authority (FTA), or any other regulatory body. We align our practices and architecture with these standards as a commitment to quality and security, and are actively working towards formal certification. Users should not rely on Invoxa as a substitute for advice from a registered UAE Tax Agent or qualified legal and financial advisors. All tax filings remain the sole responsibility of the registered taxpayer.

These Terms of Service are effective as of April 2026 and supersede all previous agreements. By using Invoxa you confirm that you have read, understood and agree to these Terms.