Terms of Service

1. About OPZORA and the Contracting Entity

OPZORA is a decision-support platform for business setup in the United Arab Emirates. OPZORA is not a separate legal entity. Unless a written agreement expressly provides otherwise, the contracting entity for direct Services is OPZORA.AI & PR LLC.

We may assign or transfer these Terms, the operation of the platform and related rights and obligations in connection with a merger, sale of business, restructuring, transfer of the OPZORA brand or platform, transfer to an affiliate, or transfer to a lawful successor. Where required, we will give reasonable notice and will not materially reduce fundamental user rights solely because of the transfer.

2. Acceptance of These Terms

Acceptance must be given through an explicit electronic process. The applicable version of these Terms must be available before account creation, purchase, trial activation or first use of a Service. A representative accepting for an organisation confirms that the representative is authorised to bind that organisation.

Partner, white-label and enterprise arrangements require a separate written agreement or valid electronic signature. A purchase, order or account activation does not create rights beyond the Services and limits expressly disclosed before acceptance.

3. Definitions

4. Eligibility and Authority

You must be at least 18 years old and have full legal capacity to create an account, accept these Terms, make a purchase or order a Report. Persons under 18 may not use the Services independently.

If you act for an organisation, you confirm that you are at least 18 years old, that your authority is current and sufficient, and that the information you provide about your role is accurate. We may request evidence of identity, age, authority or organisational appointment and may restrict access pending verification.

We may reject or restrict an account, payment, request, Report or access where required or reasonably justified by sanctions, export controls, anti-money-laundering or counter-terrorist-financing risk, payment-provider restrictions, legal requirements or internal compliance controls. You confirm that you are not a prohibited person, do not act for a prohibited person and will not use the Services for the benefit of a prohibited person.

5. Account Types and Organisational Users

5.1 Investor/Founder Account

An Investor/Founder Account is for an individual obtaining a Report for the individual’s proposed business, investment, existing company or planned company formation.

5.2 Independent Advisor Account

An Independent Advisor Account is for an independent business setup advisor, consultant or other professional preparing a Report for a specific End Client. The Independent Advisor must have valid authority or consent from the End Client and may not resell a raw Report as an independent product. We may require the End Client to accept applicable terms or complete identity checks for sensitive Services.

5.3 Business Setup Company Account

A Business Setup Company Account is an organisational account. The organisation appoints one or more Account Administrators and may allocate User Seats to named personnel. The organisation is responsible for the acts and omissions of its Account Administrators and User Seats. A separate enterprise, partner or referral agreement may also apply.

5.4 User Seats and organisational control

• Each User Seat must be assigned to a specific individual and must not be shared.
• A group email address, shared telephone number or shared authentication credential must not be used as a substitute for an individual User Seat.
• Account Administrators may control permissions for viewing, creating, purchasing, downloading, sharing, referral activity, billing, User Seat management and access removal.
• Applications, Reports, Credits, activity records, client communications and information created through User Seats remain under the control of the Business Setup Company Account.
• When a User Seat holder leaves or changes role, access must be revoked or restricted promptly. The organisation may reassign an application to another authorised User Seat.
• A former User Seat holder may not retain, transfer or independently use organisational client information.

We are not a party to employment disputes, client-ownership disputes or internal allocation disputes between a Business Setup Company and its personnel.

6. Account Registration and Security

You must provide accurate, current and complete account information and keep it updated. Each account must have a unique primary identity. Linking more than one authentication method is permitted only after sufficient verification that the methods are controlled by the same authorised person.

• Keep login credentials, devices and authentication methods secure.
• Do not share an account, User Seat or one-time password.
• Notify support@opzora.ai promptly of suspected unauthorised access, a lost device, compromised credentials or loss of control of a registered telephone number.
• Use only authorised devices and lawful contact details.

Until we receive effective notice, activity performed through an account may be attributed to the account holder or organisation, except to the extent the activity is directly caused by a proven error by the Company.

7. Google Sign-In

Google Sign-In is a third-party authentication method. By using it, you confirm that you are authorised to use the relevant Google Account. We request and receive information only within the permissions presented through the sign-in process and as described in the applicable Privacy Policy.

Google Sign-In may also be subject to Google’s terms and privacy practices. Suspension, deletion, restriction or interruption of a Google Account may affect access to OPZORA. We are not responsible for Google’s internal security decisions, account controls or service continuity.

Linking or unlinking Google Sign-In requires sufficient re-authentication and security checks. If the integration is discontinued or unavailable, we may provide a controlled alternative authentication process, but immediate or guaranteed recovery is not promised.

8. Mobile OTP and Transactional Messages

Registering a mobile number means that you agree to receive messages reasonably necessary for one-time passwords, account security, recovery, payment, Report delivery and important operational notices. This is not consent to receive marketing messages.

Marketing messages require separate, withdrawable consent. We may apply rate limits, block repeated requests, investigate suspected OTP abuse and temporarily restrict access. You must never disclose an OTP to any person, including anyone claiming to represent OPZORA support.

You confirm that the registered number is lawfully and continuously under your control and that you are authorised to receive authentication messages on it. Successful receipt of an OTP shows current access to the number; it does not conclusively prove identity or legal ownership of the number.

You must update your account before transferring, cancelling, porting or losing control of a number. We may pause login or sensitive actions where there is a suspected SIM swap, recycled number, number-porting dispute, ownership dispute or suspicious activity. SMS, data and roaming charges are your responsibility.

9. Account Recovery and Authentication Changes

Changing a mobile number, primary email address, login method, or Google Sign-In connection requires re-authentication and security checks. For account recovery, we may request identity evidence, email confirmation, account history, payment information, proof of authority or Account Administrator confirmation.

Recovery is not immediate or guaranteed. We may use a controlled alternative process if a normal authentication method is unavailable. Manual access, temporary codes or authentication overrides will not be issued without appropriate security review.

10. OPZORA Services

The Services may receive structured information from a User and analyse United Arab Emirates business setup options. Depending on the Service and the information available, analysis may cover jurisdictions, business activities, licence structure, ownership requirements, visa requirements, office requirements, banking feasibility, costs, estimated timelines, compliance risks and post-incorporation obligations.

Current geographic scope is limited to business setup in the United Arab Emirates. A jurisdiction is represented only where the relevant data and rules are active and supported. Coverage of a free zone or mainland authority does not mean that every activity, fact pattern or scenario is covered. A UAE Report must not be used as a basis for setting up in another country.

Actual Services available at any time are those presented in the platform or an applicable Order. Availability of a feature, jurisdiction, product or workflow may be limited, changed or withdrawn under these Terms.

11. AI, Analytical Tools and Human Review

A Report may be produced using a combination of artificial intelligence, analytical rules, structured data, official sources, third-party sources, Partner-supplied information and human review. The extent of human review may vary by product type, plan, application complexity and risk level.

Only a Report that has actually been reviewed by a person may be described as “Human Reviewed”. Internal human review is not a consultation session, legal advice, tax advice, regulated professional advice, acceptance of professional responsibility or a guarantee of outcome.

No AI output, score, ranking or recommendation independently creates a legally binding decision, approves a government application, or decides on behalf of a bank, free zone, mainland authority, Partner or User. Final decisions remain with the User or the User’s authorised representative and the relevant third party or authority.

12. Decision-Support Nature and Independent Verification

Reports are informational decision-support tools. They are not government decisions, legal approvals, regulated professional advice, formal due diligence, or guarantees. Estimates of cost, timing, eligibility or success are non-binding and reflect information available when the Report is generated.

Before taking action, submitting an application, making a payment, signing a contract or making a financial commitment, you must independently verify material information with the relevant official authority, responsible Partner, bank or appropriately qualified professional.

We do not guarantee licence issuance, activity acceptance, visa approval, visa quota, bank-account opening, KYC or AML approval, final cost, completion time, trade-name availability, office availability, government acceptance, bank acceptance, free-zone or mainland acceptance, Partner performance, commercial success or suitability for every purpose.

13. Out-of-Scope Services

Unless expressly included in an Order or separate written agreement, the base Services do not include:

• legal, tax, accounting, immigration, banking or investment advice;
• representation before a government authority, bank, free zone or mainland authority;
• company formation execution, licence applications, visa processing, Emirates ID processing or bank-account opening;
• trade-name reservation, office leasing, official translation, attestation or legalisation;
• formal due diligence, formal KYC/AML, background checks or document-authenticity verification;
• custom support, custom Report revisions or continuous regulatory monitoring.

Any additional service must identify its scope, price, responsible provider, contracting party and applicable terms.

14. User Information and Documents

You, the relevant organisation and any authorised representative are responsible for the accuracy, completeness, currency, consistency and lawfulness of all information, answers and documents provided to us.

False identity, misleading information, forged documents, concealment of material facts, unauthorised third-party documents and submission of another person’s information without valid authority or lawful basis are prohibited.

If you provide information about an End Client or other third party, you confirm that you have valid authority or consent to collect, upload, transfer, process and use that information for the relevant purpose. We may request evidence of authority or consent.

Incomplete or inaccurate information may make a Report unreliable, lead to account restriction, cancellation of an Order, refusal of a refund where appropriate, or reporting to a competent authority where legally required. We are not required to detect every error, forgery or omission.

Ownership of information and documents remains with the User or lawful owner. You grant us a limited, non-exclusive licence to receive, store, process, analyse, transform and transmit the content to authorised providers only as necessary to provide the Services, generate Reports, deliver support, maintain security, prevent fraud and comply with law. This licence does not permit sale of User content, advertising use of confidential information or unrestricted disclosure. Aggregated or anonymised data may be used only in accordance with the Privacy Policy, applicable agreements and law.

15. Advisors and End Clients

An Independent Advisor or Business Setup Company may use the Services for an End Client only where it:

• has valid authority or consent;
• informs the End Client that the Report is a decision-support tool and not a guarantee;
• explains the limits of the Report and verifies information with the End Client;
• can produce evidence of authority or consent if requested;
• uses the Report only for that End Client and the stated purpose.

The ordering account controls the application operationally, subject to the End Client’s authority and any applicable product model or agreement. A dispute between an Advisor and an End Client about payment, client ownership, delivery or implementation does not make us the principal party to that dispute. We may restrict access and request evidence if there is a credible allegation of use without authority.

16. Business Setup Companies and User Seats

A Business Setup Company is the organisational contracting party for its account. It must administer permissions, protect client information, remove access promptly and ensure that each User Seat acts within authorised scope. User Seat actions are treated as actions of the organisation.

Only an authorised Account Administrator or legally authorised representative may terminate the organisation’s account. Removing a User Seat does not terminate the organisational account. Internal reassignment of applications and permissions among authorised User Seats is permitted; transfer to another organisation or independent account requires required consents, privacy compliance and our approval.

17. Partners, Referrals and White-label Services

17.1 Independent Partners and execution services

We are responsible for the platform, Report generation, Report delivery and obligations expressly assumed by us. An independent business setup Partner is responsible for its own advice, quotations, pricing, contracts, payment collection, company formation, licensing, visas, banking, office arrangements and downstream services.

A referral does not create an agency, partnership, guarantee, quality assurance, joint liability or acceptance by us of the Partner’s obligations. Before providing execution services, the Partner must contract directly with the customer and disclose its scope, fees, refund rules, responsibilities and timelines.

17.2 Information sharing and lead allocation

User information may be transferred to a Partner only following a clear request, valid consent, or an organisational model in which the Partner is already acting for its own client, and only in accordance with the Privacy Policy.

Lead allocation is available only under a separate referral or partner agreement. A subscription or Report purchase does not create an automatic right to leads. We do not guarantee lead volume, quality, conversion or commercial value. A Partner may not sell, transfer or disclose a lead without authority.

17.3 Commercial influence and sponsored placement

If a recommendation, ranking or referral is affected by commission, referral fees, revenue share, sponsorship, a commercial agreement or an affiliate relationship, the existence and nature of that interest will be disclosed in an appropriate and proportionate way. Confidential amounts or formulas need not be disclosed unless required by law or contract.

A featured or sponsored Partner must be labelled as sponsored, featured or advertising. Payment must not alter an independent analytical score or suitability ranking, and a suspended or unsuitable Partner must not be recommended solely because it paid for placement.

17.4 White-label arrangements

In a white-label arrangement, the Partner is ordinarily the primary brand and contracting party with the End User. The Company provides technology and supporting services to the Partner. The Partner is responsible for its own terms, privacy notice, pricing, refunds, commercial communications and execution services. Our role is disclosed only where required in contractual documents, privacy notices, subprocessor information or by law. Public display of the OPZORA name in a white-label interface is not required.

A Partner must not describe any Report as an official government decision, approval or guarantee. Any co-branded, managed-service, shared-responsibility or joint-contracting model requires a separate written agreement and approved responsibility matrices.

18. No Agency and No Government Endorsement

Use of OPZORA, a referral or an organisational relationship does not create an agency, partnership, joint venture, franchise, employment, fiduciary relationship or authority to bind another party. No User, Advisor or Partner may create obligations in our name, quote or guarantee on our behalf, collect money in our name, present itself as our official branch or representative, or use our brand outside an authorised licence.

Unless expressly authorised in writing, OPZORA must not be presented as a government platform, official platform, accredited or government-endorsed platform, or representative of a ministry, free zone, mainland authority, bank or public body. Data access, a pilot, integration or referral does not by itself constitute endorsement or accreditation.

19. Fees, VAT and Payment

Available purchase models may include one-off Reports, limited packages, credit bundles, professional subscriptions, organisational subscriptions, User Seats, Report or Credit allowances, and approved overage. The applicable model is the one disclosed before purchase or set out in an Order.

Before payment, the purchase flow must disclose the price, currency, VAT treatment, payment-provider charges, discounts, offer validity, final payable amount, included Reports, Credit validity, usage limits and any overage price. UAE prices are ordinarily displayed in AED.

We may change future prices. A price change does not apply retroactively to a completed purchase, prepaid period or current paid subscription term. VAT will be included in the displayed price or added separately as disclosed before payment.

Payment must be made without deduction, set-off or withholding unless required by law. Where withholding is legally required, the payer must notify us, provide official evidence and, where lawfully permitted, gross up the payment.

Payment methods may include bank cards, payment links, bank transfer, organisational invoice or another approved method. Online payments are processed by third-party payment providers. We do not represent that we store complete card information. An Order is activated only after payment confirmation or approval of organisational credit terms.

An electronic receipt or invoice is issued for a successful payment. Where applicable, it may state the payer, legal company name, service description, amount, currency, VAT, discount, payment date and transaction reference. An organisational invoice is issued to the Business Setup Company, not an individual User Seat.

20. Credits, Packages and Overage

Credits have no cash value, may be used only for specified Services and may not be transferred or resold without written authorisation. Purchased Credits are valid for 12 months from the purchase date unless a different period is disclosed before purchase or in an organisational agreement. Older Credits are used first.

Used, expired or promotional Credits are not refundable and cannot be converted to cash. Overage is charged only where its price and conditions were disclosed in advance and the User or Account Administrator gave valid consent or contractual authority.

When an allowance is exhausted, a User may purchase an add-on, upgrade a plan or use approved overage. If we permanently discontinue the Service for which unused purchased Credits were intended, we may provide a replacement service, extension, equivalent Credit or proportionate refund, as appropriate.

21. Subscriptions and Auto-renewal

Auto-renewal is activated only with explicit, provable consent. Before activation, the renewal amount, billing period, billing date, cancellation method and cancellation deadline must be disclosed.

You may disable auto-renewal through the account or the support channel identified for the subscription. Cancellation stops future charges but does not end access before the paid period expires and does not ordinarily create a refund for the current period.

A material change to price, billing cycle or core benefits will be notified before the next renewal and renewed consent will be obtained where required. Independently purchased Credits remain available until expiry. Subscription allowances expire at the end of the subscription period unless rollover was expressly disclosed. Downgrades and User Seat reductions ordinarily apply from the next period.

22. Trials, Promotional Access and Beta Features

We may provide trials, demonstrations, sample Reports, promotional Credits or limited access. These do not create permanent rights, may have expiry dates and usage caps, may omit human review or features, may be withdrawn for abuse, and are not transferable, saleable or redeemable for cash. They do not ordinarily qualify for refunds or extensions.

Beta, pilot, preview or experimental Services may be incomplete, contain errors, change or be discontinued, and may have no service level, human review or full support. They must not be used for a sensitive decision or execution step without independent verification.

23. Report Delivery, Validity and Corrections

23.1 Delivery and timing

A Report is delivered when it becomes accessible in the account or when a valid access link is sent to the registered email address. Failure to open or download a Report does not prevent delivery.

Delivery times are estimates unless an Order expressly states that a time is binding. Delays caused by incomplete information, failure to respond, identity verification, security review, payment failure, application complexity or third-party dependency do not create liability for delay.

23.2 Validity period

The recommended validity period for a Report is 30 days from its generation date. A Report does not automatically become void after 30 days, but material information must be rechecked before action.

Changes to activity, shareholders, nationality, residence, visa requirements, banking needs, office needs, budget, timeline or regulation may require review. Update or regeneration is not free unless included in a Plan or Agreement.

23.3 Error notice and correction

A claim of a technical, calculation or processing error, or a material defect attributable to us, must be submitted with explanation and evidence within 14 days after delivery. We may review a later claim voluntarily, but free correction is not guaranteed.

We will correct an OPZORA-caused technical, calculation or processing error and, where necessary, regenerate the Report without charge. A change in User information, circumstances or decision, or a request for new analysis, is a new paid update. Professional disagreement, dissatisfaction with a recommendation, or a third party’s decision does not require us to change the result. Corrected Reports may be versioned, and prior versions may be retained in records.

24. Cancellations and Refunds

24.1 Before processing begins

Before processing or Report generation begins, cancellation is permitted and a full refund is ordinarily available. Non-refundable provider charges may be deducted only where legally permitted and disclosed.

24.2 After processing begins

After processing begins, a refund is ordinarily unavailable unless there is a material technical failure or non-delivery attributable to us.

24.3 After delivery

Dissatisfaction, change of mind, a changed plan, refusal by a government body, bank, free zone or mainland authority, failure to achieve an expected outcome, or professional disagreement with a recommendation does not create a refund right.

24.4 Defective Reports and remedies

For a material defect attributable to us, the remedy sequence is correction, regeneration, proportionate Credit and, if correction is not possible, a proportionate refund. Mandatory non-waivable consumer rights remain unaffected.

24.5 Refund method and timing

An approved refund is ordinarily returned to the original payment method. If that is not reasonably possible, we may use another reasonable method after verifying the payer, or provide an equivalent Credit where appropriate and accepted. Internal processing of an approved refund will be completed within 10 Business Days. The time for funds to appear depends on the bank, card network or payment provider.

25. Chargebacks and Failed Payments

For a failed payment, reversal, chargeback or overdue amount, we may temporarily suspend Report generation, Report delivery, Credits, subscriptions, User Seats or new Services. Fraudulent or repeated chargebacks may result in suspension or termination.

Access to fully paid historical Reports will not be blocked solely because of an unrelated payment dispute unless there is a lawful, security or contractual basis to do so.

26. Discounts and Partner Billing

Discounts, promotional codes, volume pricing and special offers apply only under their stated terms, are ordinarily non-combinable, and cannot be transferred, sold or converted to cash.

Under direct billing, we collect payment from the organisation or an authorised User. Under partner billing, the Partner collects from the End Client and settles with us under a separate B2B agreement. A Partner may not alter our official price, discounts, VAT treatment, refund rules or Report terms in our name without written authorisation.

27. Intellectual Property and Report Licence

27.1 OPZORA materials

The platform, software, source and object code, algorithms, AI models, analytical methods, scoring structures, decision rules, templates, Report structure, design, brand, databases, know-how and Report components remain owned by us or our licensors.

27.2 Licence to use a Report

After payment, the applicable User receives a limited, non-exclusive, non-transferable and purpose-limited licence:

• an Investor/Founder may use the Report for the User’s own business setup decision;
• an Independent Advisor may use it for the identified End Client and may not resell the raw Report as an independent product;
• a Business Setup Company may permit authorised User Seats to use it internally and provide it to the relevant End Client under the organisational agreement.

27.3 Permitted sharing

An Investor/Founder may share a Report on a limited, need-to-know basis with a lawyer, accountant, bank, business setup Partner or authority relevant to the application. An Independent Advisor may provide the Report or a summary only to the identified End Client. A Business Setup Company may use it only for the relevant End Client and authorised User Seats.

27.4 Prohibited use

• public publication or website posting;
• resale, multi-client reuse or unauthorised white-labelling;
• removal of branding, warnings, client identification, Report ID or usage restrictions;
• material alteration or presentation as an official government Report;
• disclosure to a competitor, reverse engineering or extraction of methodology;
• use to build a competing product or train a third-party AI model.

A Report may contain the client name, Report ID, watermark, usage restriction and download record.

27.5 Feedback

Voluntary feedback, suggestions, improvement ideas and bug reports grant us a perpetual, worldwide, non-exclusive, royalty-free and transferable licence to evaluate, develop and use them. This licence does not cover personal data, client confidential information, Partner trade secrets or content you are not authorised to provide.

28. Confidentiality

Each party must protect the other party’s non-public information using reasonable and proportionate safeguards. We protect non-public User information, documents, business data and bespoke Reports. Users, Advisors and Business Setup Companies must protect our non-public information, analytical methods, bespoke pricing, Partner information and Reports belonging to other clients.

Confidential information may be disclosed only to persons with a need to know and an appropriate confidentiality obligation. Confidentiality does not apply to information that is public without breach, independently developed, lawfully possessed without restriction, or required to be disclosed by law. Where legally permitted, the disclosing party will give prior notice and disclose only the minimum necessary information.

A non-disclosure agreement or specific Partner agreement may impose stricter obligations and prevails for the relevant conflict.

29. Privacy

Our Privacy Policy explains how personal data is handled. Data-rights information, cookie information or cookie preferences, and subprocessor information may also apply where published. Those documents govern personal-data processing and do not replace these commercial Terms.

Any public link to a privacy or cookie document must be accurate and active before publication. Retention periods, international transfers, vendor details and data-subject rights are addressed in the applicable privacy documentation rather than repeated here.

30. Acceptable Use and Prohibited Conduct

You must use the Services lawfully and only for authorised purposes. You must not:

• impersonate another person or claim false authority;
• create false accounts, share accounts, abuse OTP, bypass authentication, access controls, Credit controls, User Seat controls or pricing controls;
• access another User’s account or Report without authority;
• scrape, extract data in bulk, use bots or unauthorised automation;
• reverse engineer, decompile, discover algorithms, extract scoring models or circumvent security controls;
• upload malware or disruptive code, interfere with service operation or test security without authorisation;
• commit fraud, violate sanctions, infringe intellectual property, privacy or confidentiality rights, or use the Services for an illegal or harmful purpose;
• mislead a customer, bank or authority about a Report, government approval or our role;
• resell, publicly distribute or reuse a Report for multiple clients without authorisation.

Where we reasonably suspect prohibited conduct, we may restrict access, preserve evidence, investigate and suspend or terminate the relevant account or Service.

31. AML, Sanctions and Anti-bribery

Independent Advisors, Business Setup Companies and Partners must comply with applicable anti-money-laundering, counter-terrorist-financing, sanctions, anti-bribery and anti-corruption requirements. They must not pay or receive bribes, create secret commissions, conceal a beneficial owner or source of funds, or use a Report or referral for an unlawful purpose.

A Partner remains responsible for KYC/AML duties relating to its execution services. Use of OPZORA does not replace the Partner’s legal KYC/AML obligations. We may stop referrals, suspend access, hold a payment where legally permitted, or terminate a relationship where there is a compliance risk.

32. Third-Party Services and Links

The Services may rely on third parties for authentication, identity verification, payment processing, AI processing, hosting, cloud infrastructure, analytics, jurisdiction data, government information, banking information, visa information and external links.

Third-party data may be incomplete or outdated, and a third-party service may change or stop. We do not control every third-party decision or performance. Use may be subject to third-party terms and privacy policies. A link does not create endorsement or agency.

We will use reasonable care in selecting and managing providers within our control, but do not guarantee a third party’s result or continuity. If a third-party error materially affects a Report, we will, where reasonably possible, correct, regenerate or replace the source. Responsibility for a defective integration directly implemented by us is not excluded but remains subject to Section 38.

33. Service Availability, Changes and Support

The Services are provided on an “as available” basis. Continuous, uninterrupted or error-free access is not guaranteed. We may change a Service or feature for technical, security, legal, commercial, provider, data-quality or product-development reasons.

Minor changes and technical improvements may be made without advance notice. Material changes to a paid Service or core feature will be notified within a reasonable period. Discontinuation does not remove obligations relating to completed and paid Reports. If discontinuation makes an unused paid portion unavailable, we may provide a substitute service, Credit or proportionate refund.

There is no commitment to retain a specific jurisdiction, data source, AI model, Partner or integration permanently.

General support is provided using commercially reasonable efforts. Any stated response or resolution time is an operational target, not a guarantee, unless an applicable plan or agreement contains an express service level. Support hours and channels must be disclosed before purchase. An initial response is not a final resolution. Delays caused by incomplete information, third-party dependency, force majeure or matters outside reasonable control are not service-level breaches. Service Credits apply only where expressly agreed.

34. Suspension

We may suspend all or part of an account or Service where we reasonably suspect a breach of these Terms, fraud, impersonation, account abuse, security risk, fraudulent chargeback, non-payment, legal or sanctions risk, infringement of third-party rights, or a threat to the platform or Users.

Suspension may affect login, purchase, download, a User Seat, payment or new Services. In a non-urgent case, we will provide a general reason and a reasonable appeal route. Immediate action without prior notice is permitted where necessary to address urgent risk or legal requirements. Suspension does not automatically create a refund right.

35. Termination

35.1 Termination by a User

An individual User or Independent Advisor may request account closure after settling confirmed amounts and addressing open Orders, subject to legal retention. Only an Account Administrator or legally authorised representative may terminate a Business Setup Company Account. Termination stops future renewals and new Services but does not create an automatic refund or immediate data deletion.

35.2 Termination by us

We may terminate for material or repeated breach, fraud, impersonation, forged documents, Report misuse, persistent non-payment, fraudulent chargeback, serious security risk, sanctions or legal violation, infringement of third-party rights, User Seat misuse, white-label or referral misuse, or discontinuation of a product, market, country or commercial relationship.

For a remediable breach, we will ordinarily give notice and a reasonable cure period. Immediate termination is permitted for fraud, urgent risk, legal compulsion or an incurable breach.

36. Post-Termination Access and Dormant Accounts

36.1 Paid Reports

Completed and fully paid Reports remain available for viewing and download for 90 days after termination. Access may be restricted sooner for fraud, security risk, legal order, intellectual-property violation or contractual debt. After 90 days, the User is responsible for retaining a downloaded copy.

36.2 Dormant accounts

An account may be treated as dormant after 24 continuous months without activity. Before restricting or closing a dormant account, we will provide at least 30 days’ notice and an opportunity to log in or download available Reports.

An account will not be deleted solely for dormancy while it has an active subscription, outstanding debt, open dispute, legal retention requirement or active application. Account closure does not mean immediate deletion of all data.

37. Disclaimers

The Services and Reports are provided as available, for decision-support and information. They do not replace legal, tax, accounting, immigration, banking or other regulated professional advice.

Even with reasonable controls, a Report may contain an error, omission, delay, outdated information or incomplete third-party data. You must verify critical information before action, payment, contracting, application submission or financial commitment.

No disclaimer in these Terms excludes a responsibility that cannot lawfully be excluded.

38. Limitation of Liability

Subject to responsibilities that cannot lawfully be excluded or limited, our liability is limited to direct, proven and reasonably foreseeable loss.

To the maximum extent permitted by law, we are not liable for indirect, consequential, special, incidental, punitive or exemplary loss, or for loss of profit, revenue, business opportunity, goodwill, anticipated savings or data.

For any Claim arising from an identifiable Report, our total cumulative liability for that Claim is limited to the amount actually paid for that specific Report. The same cap applies to Investor/Founder, Independent Advisor, Business Setup Company, subscription, Partner and white-label use. No higher cap applies solely because an account is organisational, enterprise, Partner or white-label.

Where a Claim cannot be attributed to a specific Report, these Terms do not state a separate or substitute monetary cap. Any applicable limitation will be determined only by mandatory law and any applicable Specific Agreement. Nothing in these Terms limits a liability that cannot legally be limited.

39. Indemnity

You, and where applicable the relevant Independent Advisor, Business Setup Company or Partner, must indemnify OPZORA.AI & PR LLC, OPZORA, and their directors, personnel and service providers against proportionate, proven loss arising directly from a third-party claim caused by:

• false information or forged documents;
• unauthorised third-party data;
• breach of these Terms or applicable law;
• sanctions breach, fraud or infringement of third-party rights;
• misleading use, unauthorised resale or publication of a Report;
• misrepresentation of an OPZORA output;
• acts of organisational User Seats;
• independent Partner commitments, pricing or execution claims.

The indemnity does not cover our own fault or misconduct. We will give reasonable notice of a claim and a reasonable opportunity to participate in the defence, subject to appropriate control of the proceedings and settlement.

40. Force Majeure

We are not responsible for delay or failure caused by events outside our reasonable control, including internet, cloud, hosting, API, Google Sign-In, OTP-provider, payment-gateway or AI-provider failure; major cyberattack; power or infrastructure failure; government, bank, free-zone or data-source change; war; civil unrest; sanctions; government action; natural disaster; epidemic or pandemic.

We will use reasonable mitigation and restoration efforts. If a material issue attributable to us prevents full delivery of a paid Service, the remedies in Section 24 apply.

41. Governing Law and Dispute Resolution

These Terms are governed by the federal laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of Dubai have exclusive jurisdiction, unless a separate written agreement expressly provides another forum for the relevant relationship.

Before filing a claim, the complaining party must send legal@opzora.ai a description of the dispute, the amount or relief requested, supporting evidence and a proposed resolution. The parties will allow at least 30 calendar days for good-faith resolution.

This pre-action process does not prevent urgent interim relief, data-protection or intellectual-property protection, fraud prevention, collection of undisputed debt, or action required to prevent loss of a legal right.

These Terms are published in English only. The English version is authoritative, controlling and legally binding. A translation has no contractual effect unless a separate written agreement expressly states otherwise.

42. Notices and Communications

We may give notices through the registered email address, an in-account notification, a platform notice or a website notice. You are responsible for keeping contact information current and reviewing account and platform notices.

• Formal contractual notices and dispute notices must be sent to legal@opzora.ai.
• Account, payment, access, Report and operational support requests must be sent to support@opzora.ai.
• Privacy requests must be sent to privacy@opzora.ai.

43. Changes to These Terms and Order of Precedence

43.1 Changes

We may amend these Terms for legal, security, technical, commercial or service-development reasons. Each published version must identify its effective date, version number and last reviewed date.

A non-material change may apply from its publication date or stated date. A material change will be notified within a reasonable period. Changes to current-period price, auto-renewal, refund rights, data-use scope, the liability cap or fundamental User rights may require renewed explicit acceptance. Changes do not apply retroactively to a completed purchase or paid period. Partner and white-label agreements change only under their own amendment mechanism.

43.2 Order of precedence

• 1. a signed specific Partner, white-label or enterprise agreement;
• 2. an applicable Order Form, Statement of Work or Trial Order;
• 3. special plan or product terms disclosed before purchase;
• 4. these Terms of Service;
• 5. incorporated operational policies or guidelines.

A higher-ranking document prevails only for the subject of the conflict. The Privacy Policy governs personal-data processing and does not replace commercial terms.

44. General Provisions

44.1 Assignment

A User, Independent Advisor, Business Setup Company or Partner may not assign or transfer an account, User Seat, Credit, subscription, Report, agreement or usage right without our written consent. Internal reassignment among authorised User Seats of the same organisation is not a contractual assignment. Transfer of an application to another account or organisation requires required consents, privacy compliance and our approval.

44.2 Severability

If a provision is invalid or unenforceable, it will be limited, modified or removed only to the minimum extent necessary, and the remaining provisions remain effective.

44.3 No waiver

Delay or failure to exercise a right is not a waiver. A waiver must be express, written and specific.

44.4 Entire agreement

These Terms and the documents that take precedence form the entire agreement for the relevant Service. An oral promise, sales message, demonstration statement, Advisor or Partner message, advertisement or informal estimate does not create a contractual obligation unless included in an authorised document. This does not exclude fraud or a responsibility that cannot lawfully be excluded.

44.5 No third-party rights

Except where these Terms expressly protect an indemnified party or a specific agreement provides otherwise, a person who is not a party has no right to enforce these Terms.

44.6 Electronic records and headings

Electronic records, acceptance logs, Orders, invoices and notices may be used as evidence to the extent permitted by law. Headings are for convenience and do not affect interpretation.

44.7 Survival

Payment obligations, intellectual property, confidentiality, liability limitations, indemnity, dispute resolution, record retention and provisions intended by their nature to survive.

44.8 Consumer rights

The refund framework in these Terms applies subject to mandatory non-waivable consumer rights. Consumer protections apply only where a person legally qualifies as a consumer. Professional use by Independent Advisors, Business Setup Companies, Partners and white-label clients is ordinarily business-to-business use. These Terms do not create a general unlimited withdrawal or refund right beyond applicable law and the stated refund policy.

44.9 Activity logging

We may maintain activity logs for security, support, billing, licence control, dispute handling and fraud prevention. Logs may include login attempts, Terms acceptance, Report creation, viewing, download and sharing, Credit use, purchases, User Seat and Administrator actions, referrals, application-status changes and security changes. Logging does not create a duty of continuous monitoring. Retention is governed by the Privacy Policy and applicable retention schedule.

45. Contact Us