Terms, Privacy & Refunds

Terms & Conditions

By accessing or using our website and services, you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use our services.

1. Services

SaMoHa Consulting provides digital consulting services and premium memberships that may include access to resources, tools, and priority support. Service details are shown on our pricing page.

2. Accounts & Access

You are responsible for the accuracy of your information and for maintaining the confidentiality of access credentials. We may modify, suspend, or discontinue features at any time to improve service quality or ensure compliance.

3. Pricing & Billing

All purchases are billed immediately at checkout. Subscriptions renew automatically at the stated interval until you cancel. Prices and taxes may vary by region and provider. Any applicable taxes or platform fees will be shown at checkout.

4. Acceptable Use

You agree not to misuse our services, disrupt operations, or infringe any third-party rights. We may suspend accounts that violate these Terms or our payment partners’ policies.

5. Intellectual Property

All content, materials, and trademarks on our website are the property of SaMoHa Consulting or its licensors. You receive a limited, non-transferable license to use purchased materials for your own business or personal needs unless stated otherwise.

6. Disclaimers & Limitation of Liability

Services are provided “as is.” To the maximum extent permitted by law, SaMoHa Consulting is not liable for indirect, incidental, special, or consequential damages. Our total liability is limited to the amount paid for the specific service in the 12 months preceding the claim.

7. Governing Law

These Terms are governed by the laws of the United Arab Emirates. Any dispute shall be subject to the competent courts within the UAE, unless mandatory local law states otherwise.

Privacy Policy

We respect your privacy. This Policy explains how we collect and use personal data when you visit our site or purchase our services.

1. Data We Collect

• Contact details (e.g., name, email) you provide voluntarily.
• Transactional data (plan chosen, timestamps) from our payment partners.
• Technical data (IP, device, approximate location) for security and analytics.

2. How We Use Data

• To provide and support our services and memberships.
• To process payments and manage subscriptions.
• To communicate service updates and provide support.
• To prevent fraud, ensure security, and meet legal obligations.

3. Sharing

We share data only with trusted providers (e.g., payment processors, hosting, analytics) as needed to deliver the service, or when required by law. We do not sell personal data.

4. Cookies & Analytics

We may use cookies and similar technologies to keep sessions secure and understand aggregated usage. You can adjust browser settings to manage cookies, but some features may not function properly.

5. Data Retention & Security

We retain data only as long as necessary for the purposes above and legal requirements. We apply reasonable technical and organizational measures to protect data, while acknowledging that no system is 100% secure.

6. Your Rights

Subject to applicable law, you may request access, correction, deletion, or portability of your data. Contact us at [email protected].

7. International Transfers

Your data may be processed outside your country. We rely on contracts and safeguards with our providers to protect your information.

Refund Policy

1. Subscriptions

Subscriptions are non-refundable for the current billing period once started. You can cancel at any time; your access continues until the end of the paid term and will not renew.

2. One-time Services

For one-time services, refunds may be granted in cases of non-delivery or material failure to perform as described. Requests must be made within 7 days of purchase and include sufficient details for review.

3. How to Request

To request a cancellation or refund where eligible, contact [email protected] with your order email, date, and reason. We’ll review promptly and respond within 3–5 business days.

Contact

For any question about these Terms, Privacy, or Refunds, please contact us at [email protected].