Terms and Conditions

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 Effective Date: 24/05/2025

Welcome to Sijily, a mobile application provided by Flow Economic and Management Consultancy Company (“Company”, “we”, “us”, or “our”). By accessing or using Sijily (the “App”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, you should not use the App.

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1. Acceptance of Terms

By creating an account and using the App, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy available at “www.sijily.co”

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2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the App. By using the App, you represent and warrant that you meet these requirements.

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3. User Accounts

To use Sijily, you must create an account. You agree to provide accurate and complete information when registering and to update your information as necessary. You are responsible for safeguarding your account credentials and for any activities or actions under your account.

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4. Use of the App

Sijily provides individuals and businesses with tools to manage cash flow, track expenses, issue invoices, and gain data-driven financial insights. You agree to use the App only for lawful purposes and in compliance with all applicable laws and regulations in Kuwait.

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5. Subscriptions and Payments

Currently, Sijily is available free of charge. In the future, we may introduce monthly subscription plans or other paid features. If we do so, we will notify users in advance and provide clear information about pricing and billing procedures.

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6. Third-Party Services

The App may, in the future, integrate with third-party services such as payment processors. Your use of these services may be subject to separate terms and conditions and privacy policies of those third parties.

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7. Data and Privacy

We value your privacy. Please review our Privacy Policy at [Insert Privacy Policy Link] to understand how we collect, use, and protect your personal and financial data.

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8. Intellectual Property

All content, features, and functionality of the App, including but not limited to software, design, text, graphics, and logos, are the exclusive property of Flow Economic and Management Consultancy Company and are protected by intellectual property laws.

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9. Limitation of Liability

To the fullest extent permitted by applicable law, we disclaim all liability for any indirect, incidental, or consequential damages arising out of or related to your use of the App. The App is provided “as is” and “as available” without any warranties of any kind.

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10. Indemnification

You agree to indemnify and hold harmless Flow Economic and Management Consultancy Company from any claims, damages, liabilities, and expenses arising from your use of the App or violation of these Terms.

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11. Termination

We reserve the right to suspend or terminate your access to the App at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

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12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Kuwait. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Kuwait.

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13. Contact

If you have any questions about these Terms, please contact us at info@flowadvisory.co.

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Let me know if you’d like a downloadable version of this, or if you’d like help crafting your Privacy Policy or a disclaimer for future billing features.