Terms of Service

1. Definitions

For the purposes of these Terms, the following terms have the meanings set out against each of them:

• Taswyah or the platform: refers to the Taswyah platform, including the website, pages, content, tools, digital products, and the subscriptions offered through it.
• User or subscriber: any person who visits the platform, creates an account, or subscribes to any of Taswyah’s services.
• Content: includes all materials made available through the platform, including videos, explanations, applied lessons, articles, newsletters, tools, forms, files, simulators, and any other digital materials.
• Subscription: the paid service that gives the user access to specific content or features for a defined period, according to the selected plan.

2. Acceptance of the Terms

By using the platform, you agree to be bound by these Terms, in addition to the Privacy Policy, the Refund and Exchange Policy, and any other policies published on the platform.

If you do not agree to these Terms, you must not use the platform or subscribe to its services.

3. Nature of Taswyah’s Services

Taswyah provides specialized content in the areas of financial markets, technical analysis, trading, and investment, and its services may include digital content, applied tools, simulators, or educational and analytical features depending on the selected plan.

All materials provided through Taswyah are intended to raise awareness, knowledge, and understanding of the financial markets, and do not constitute a direct investment recommendation, an invitation to buy or sell, asset management, or personal financial advice.

The user bears full responsibility for their financial and investment decisions, and acknowledges that the financial markets involve risk and may result in profits or losses.

4. Eligibility to Use

By using the platform, you acknowledge that you are legally eligible to use and subscribe to the services, and that all information you provide is accurate and up to date.

Taswyah reserves the right to refuse, suspend, or cancel any account if it becomes apparent that the information provided is inaccurate or that the platform is being used in violation of these Terms.

5. Account Creation

Using some of Taswyah’s services may require the user to create an account.

The user undertakes to keep their login credentials confidential and bears full responsibility for any use made through their account.

Sharing the account or login credentials with others is prohibited, and the account may not be used by more than one person unless expressly stated otherwise within the plan or agreement.

6. Subscriptions and Payment

Subscriptions are available according to the plans and prices shown on the platform at the time of purchase.

The user undertakes to pay the subscription fee in full, or in accordance with the approved payment method, before access to the content or services is activated.

The features of each plan may differ in terms of content type, access period, available tools, or additional services, and this is clarified on the plan page before completing the subscription.

Taswyah reserves the right to modify prices, plans, or features in the future, provided that this does not affect subscriptions activated before the modification during the current subscription period, unless stated otherwise.

7. Subscription Period and Access

The subscription period begins from the date the account is activated or the user is granted access to the content or service, and not from the date of first actual use.

The subscriber is entitled to access the content or services included in their plan only during the specified subscription period.

After the subscription period ends, access to the content or services may be discontinued unless the subscription is renewed or a new plan is purchased.

8. Refund and Exchange Policy

All exchange or refund requests are subject to the Refund and Exchange Policy published on the platform.

In general, given the nature of digital content and services, activating the subscription or granting the user access to the content may render the subscription non-refundable, except in the cases set out in the Refund and Exchange Policy.

9. Permitted Use

The user undertakes to use the platform for personal and lawful purposes only.

The user is prohibited from doing any of the following:

• Copying, photographing, recording, or republishing any content from the platform without prior written consent.
• Sharing the content or login credentials with any other party.
• Selling, redistributing, or exploiting the content for commercial purposes without authorization.
• Using the platform in a way that harms Taswyah or other users.
• Attempting to hack, disrupt, or gain unauthorized access to the platform or its systems.
• Using the content to provide similar or competing services without permission.
• Using the platform or its content in a manner that violates applicable regulations or laws.

10. Intellectual Property

All intellectual property rights related to Taswyah and its content are reserved, including the trade name, logo, designs, texts, videos, files, forms, tools, and methodologies.

A subscription does not grant the user any ownership right in the content; rather, it grants a limited, personal, and non-transferable right of use during the subscription period.

Any unauthorized use of the content constitutes a violation of these Terms and may result in suspension of the account or the taking of the necessary legal action.

11. Financial and Investment Content

The user acknowledges that the content provided on Taswyah does not represent a personal investment recommendation and does not take into account the financial situation, investment objectives, or risk tolerance of any individual user.

Any examples, applications, or analyses displayed within the platform are for illustrative and informational purposes only and should not be relied upon alone to make investment decisions.

12. Simulators and Digital Tools

Taswyah may provide tools, simulators, or forms to help the user apply, understand, or track information.

These tools are provided for informational and applied purposes only and do not guarantee the accuracy of the results or their suitability for all cases.

The user bears responsibility for their use of any tool, result, or output displayed to them within the platform.

13. Availability and Updates

Taswyah strives to provide its services in a stable manner, but it does not guarantee that the platform will be available without interruption or free of errors at all times.

Taswyah may carry out updates, maintenance, or modifications to the platform, content, or tools, which may result in temporary downtime or changes to some features.

14. Account Termination or Suspension

Taswyah reserves the right to suspend or cancel a user’s account or restrict their access to the platform in the event of a violation of these Terms, misuse of the services, account sharing, or infringement of intellectual property rights.

Suspension or cancellation of an account due to a user’s violation does not give rise to any right to a refund of the subscription fee, unless the Refund and Exchange Policy provides otherwise.

15. External Links and Services

The platform may contain links or references to external websites or services.

Taswyah is not responsible for the content, policies, or practices of any external websites or services, and the user’s use of them is at their own risk.

16. Partnerships and Offers

Taswyah may cooperate with third parties, service providers, or business partners to offer features, promotions, or referral links.

The existence of these partnerships does not mean that Taswyah bears direct responsibility for the third party’s services, unless expressly stated.

The user should review the third party’s terms and conditions before using or subscribing to its services.

17. Limitation of Liability

To the maximum extent permitted by law, Taswyah shall not be liable for any direct, indirect, incidental, or consequential losses arising from the use of the platform, reliance on its content, or the inability to access it.

Taswyah is also not responsible for any financial or investment decisions made by the user based on the content, tools, examples, or applications available within the platform.

18. User Data and Privacy

Taswyah handles user data in accordance with the Privacy Policy published on the platform.

By using the platform, you agree to the collection, use, and processing of your data as described in the Privacy Policy, and in accordance with applicable regulations.

19. Communications and Notifications

Taswyah may contact the user via email, text messages, in-platform notifications, or any means of contact the user has provided.

These messages include those related to the account, subscription, updates, invoices, alerts, or announcements associated with Taswyah’s services.

20. Amendment of the Terms

Taswyah reserves the right to amend these Terms of Service at any time.

The updated version is published on the platform, and the user’s continued use of the platform after the amendments are published constitutes their acceptance of the amended Terms.

21. Governing Law

These Terms are governed by the regulations in force in the Kingdom of Saudi Arabia.

In the event of any dispute relating to the use of the platform, the subscriptions, or these Terms, an amicable resolution shall be sought first; failing that, the competent judicial authority in the Kingdom of Saudi Arabia shall be the reference for adjudicating the dispute.

22. Contact Us

For any inquiry related to these Terms or the use of the platform, you can contact the Taswyah team via the approved contact channels or the email address shown on the platform, Info@Taswyah.com.

23. Hour with Rahaf: Cancellation, Rescheduling, and Refund Policy

We want the booking experience to be clear from the start, and the time reserved for each session to be fully held for the person who booked it. «Hour with Rahaf» sessions are therefore subject to the following policy:

24. Cancelling the Session

The session can be cancelled more than 24 hours before its scheduled time, with a full refund of the booking fee.

The session cannot be cancelled less than 24 hours before its scheduled time, because the slot is reserved and held exclusively for the person who booked it.

25. Rescheduling the Session

The session can be rescheduled once at no additional charge, provided the change is requested more than 24 hours before the scheduled time and a new time is chosen from the available slots.

If a reschedule is requested less than 24 hours before the scheduled time, we cannot guarantee that the time can be changed, and it is treated as a no-show under the no-show policy.

26. Lateness or No-Show

The session starts at the time scheduled at booking.

If the client arrives late, the session still ends at its scheduled time and is not extended to make up for the delay.

If the client does not show up, the slot is considered used and its value cannot be refunded or transferred to another time.

27. If the Session Was Not What You Expected

«Hour with Rahaf» is a one-on-one, knowledge-based discussion session, tailored to discuss your questions and challenges in trading, investing, and the financial markets.

The nature of the session, and what it does and does not include, is explained before the booking is completed. Disagreement with the view expressed, or an answer that does not match what the client expected, is therefore not grounds for a refund of the booking fee after the session has taken place.

That said, if a problem on our side materially affected the delivery of the session, it will be handled separately in a way that protects the client’s rights.

28. If the Booking Is for Something the Session Does Not Provide

The session does not include:

• Giving direct buy or sell recommendations.
• Identifying a specific stock or financial asset to invest in.
• Setting entry or exit points based on the client’s situation.
• Managing or reallocating an investment portfolio.
• Making financial or investment decisions on the client’s behalf.
• Providing personal financial or investment advice.

If it becomes clear before the session, from the information provided at booking, that its primary purpose falls within these services, we may contact the person who booked to clarify the nature of the session, or cancel the booking and refund the amount paid.

If the session has already started and it becomes clear during it that its purpose is to obtain one of the services listed above, the client will be told that this type of request is not covered by the session, and the remaining time can be used to discuss another topic within the scope of «Hour with Rahaf».

If the client does not wish to continue after that, the booking fee is not refunded, since the session’s scope and exclusions are explained before the booking is completed.

29. Cancellation on Our Part

If we need to cancel the session for any reason, the person who booked it may choose between:

• Rescheduling the session for another available time.
• A full refund of the booking fee.

30. Acceptance of the Policy

Completing the booking and payment means having reviewed the nature of «Hour with Rahaf», what it does and does not include, and agreeing to the cancellation, rescheduling, and refund policy.

«Hour with Rahaf» is a knowledge-based, educational session. It does not constitute financial or investment advice and does not include buy/sell recommendations or portfolio management. All financial and investment decisions remain the responsibility of the client.