Terms of Service

Last updated: March 2026

CRITICAL DISCLAIMER: Fattourah is an independent third-party SaaS tool. It is NOT affiliated with, endorsed by, or certified by ZATCA (Zakat, Tax and Customs Authority). Fattourah is a private software product and is not an official ZATCA solution.

Table of Contents

1. Acceptance of Terms

By accessing or using Fattourah ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use Fattourah. Your use of Fattourah constitutes your acceptance of these terms, including during your free trial and paid subscriptions.

We reserve the right to modify these terms at any time. Continued use of Fattourah after modifications constitutes acceptance of updated terms. We will notify users of material changes via email or website notice.

2. ZATCA Independence Disclaimer

PROMINENT NOTICE:

Fattourah is developed and operated by TrustDraft, a private Saudi company. Fattourah is NOT:

  • An official ZATCA product or service
  • Affiliated with the Zakat, Tax and Customs Authority
  • Endorsed or certified by ZATCA
  • A government-maintained solution

Fattourah is a commercial third-party e-invoicing tool. Your use of ZATCA services remains your responsibility.

3. Service Description

Fattourah is an AI-powered SaaS platform designed to assist Saudi accountants and SMEs with:

Fattourah provides tools to facilitate compliant invoice creation. We do not guarantee acceptance of invoices by ZATCA or compliance with all ZATCA requirements. You remain responsible for your own ZATCA compliance and invoice accuracy.

4. Account Responsibility

4.1 Account Creation

You are responsible for:

4.2 User Conduct

You agree not to:

4.3 Age Requirement

By using Fattourah, you represent that you are at least 18 years of age and have the legal authority to enter into this agreement on behalf of your business.

5. Subscription & Pricing

Fattourah offers the following subscription tiers:

Pricing is subject to change with 30 days' written notice. Price changes apply to renewals only, not current subscription periods.

6. Payment Terms & Moyasar

6.1 Payment Processing

All payments are processed through Moyasar, a Saudi payment gateway. We do not directly process or store payment card information. Your payment information is securely transmitted to and processed by Moyasar.

6.2 Payment Schedule

Subscription payments are charged on a monthly basis according to your billing date. For annual subscribers (if available), payment is charged annually on the subscription anniversary date.

6.3 Payment Failure

If payment fails:

6.4 Currency & Taxes

Prices are listed in USD. Your payment method's issuing bank or payment processor may apply currency conversion fees. All prices are exclusive of applicable taxes, which will be added at checkout if applicable under Saudi Arabia law.

6.5 Moyasar Terms

By subscribing to Fattourah, you also agree to Moyasar's terms of service and privacy policies. See Moyasar.com for details.

7. Mada Card Auto-Renewal Limitation

IMPORTANT: Mada cards issued by Saudi banks have technical limitations with auto-renewal subscriptions through Moyasar.

If you are paying with a Mada card:

This limitation is due to Moyasar's current integration with Mada systems and is beyond Fattourah's control. We are working with Moyasar to resolve this issue and appreciate your patience.

8. 14-Day Free Trial

8.1 Trial Access

New users receive a 14-day free trial with full access to Fattourah features. No payment information is required to start the trial.

8.2 Trial Expiration

After 14 days, your trial account will expire and you will lose access unless you subscribe to a paid plan. Your invoice data will be retained for 30 days, after which it will be permanently deleted.

8.3 Trial to Paid Conversion

To continue using Fattourah after your trial ends, you must select a subscription plan and provide valid payment information. Your first charge will occur immediately upon subscription. You will then be billed monthly on the anniversary of your subscription start date.

8.4 Trial Limitations

Trial accounts are subject to the same terms as paid accounts. We reserve the right to limit trial usage to prevent abuse (e.g., creating multiple trial accounts).

9. Subscription & Cancellation

9.1 Subscription Commitment

Subscriptions renew automatically each month unless cancelled. You are responsible for managing your subscription and canceling before the next billing date if you no longer wish to be charged.

9.2 Cancellation Process

To cancel your subscription:

9.3 Access After Cancellation

Upon cancellation, your account access will terminate at the end of your current billing period. You will have until that date to export your data and invoices.

9.4 Refund Policy

14-Day Refund Window: If you request a refund within 14 days of your initial subscription payment, we will provide a full refund, minus any bank fees or currency conversion charges. Refunds after 14 days are not available except in cases of service failure on our part.

9.5 Refund Processing

Approved refunds are processed through Moyasar within 5-7 business days and returned to your original payment method. Your account will be immediately suspended upon approved refund.

10. Invoice Data Ownership

10.1 Your Data

You retain all ownership rights to your business information, customer data, and invoice records. Fattourah does not claim ownership of your data.

10.2 Your Responsibility

You are responsible for:

10.3 Data Export

Fattourah provides functionality to export your invoices and data in CSV/JSON format. You may request data export at any time, including after account cancellation (within 30 days).

10.4 No Liability for Data Loss

While we maintain regular backups, Fattourah is not liable for loss of data resulting from your failure to maintain backups or follow security best practices. We recommend regular exports of critical data.

11. ZATCA Compliance Disclaimer

CRITICAL COMPLIANCE NOTICE:

Fattourah facilitates invoice generation in ZATCA-compliant format but does NOT guarantee acceptance by ZATCA or compliance with all ZATCA requirements.

11.1 Your Compliance Responsibility

11.2 Phase 3 Wave 24 Deadline

The ZATCA Phase 3 Wave 24 e-invoicing mandate deadline is June 30, 2026. Fattourah aims to support compliance by this date, but we make no guarantees. You should independently verify ZATCA requirements and timelines.

11.3 ZATCA Integration

Fattourah's ZATCA API integration may experience downtime or failures beyond our control. We are not liable for failed invoice submissions to ZATCA. You must maintain independent compliance records.

11.4 No Professional Tax Advice

Fattourah is not a tax advisor, accountant, or legal service. Features should not be construed as professional tax, accounting, or legal advice. Consult with a qualified Saudi accountant or tax professional for guidance on your specific tax obligations.

12. Service Availability & Uptime

12.1 No Uptime Guarantee

While we strive to maintain high availability, we do not guarantee 99.9% uptime or any specific service level. Fattourah is provided "as-is" subject to occasional maintenance, updates, and unforeseen outages.

12.2 Scheduled Maintenance

We may schedule maintenance windows with advance notice. During maintenance, Fattourah may be unavailable. We will attempt to schedule maintenance during off-peak hours.

12.3 Service Interruptions

We are not liable for:

12.4 Service Modification

We reserve the right to modify, suspend, or discontinue any feature or the entire Service at any time with reasonable notice (except in emergencies). We will not provide refunds for discontinued services except as outlined in Section 9.4.

13. Intellectual Property

13.1 Fattourah IP

All content, features, functionality, code, and design of Fattourah are owned by TrustDraft or its licensors and protected by copyright, trademark, and other intellectual property laws.

13.2 Limited License

By subscribing to Fattourah, you are granted a limited, non-exclusive, non-transferable license to use Fattourah for your business purposes only. You may not:

13.3 Feedback

If you provide feedback, suggestions, or ideas about Fattourah, you grant us a royalty-free, perpetual license to use that feedback in our services.

14. Limitation of Liability

14.1 Disclaimer of Warranties

FATTOURAH IS PROVIDED "AS-IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING:

14.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FATTOURAH (INCLUDING TRUSTDRAFT) SHALL NOT BE LIABLE FOR:

Our total liability shall not exceed the amount you have paid to Fattourah in the 12 months preceding the claim.

14.3 ZATCA Compliance Liability Exclusion

IN NO EVENT SHALL FATTOURAH BE LIABLE FOR:

You acknowledge that ZATCA compliance is your sole responsibility, and Fattourah is merely a tool to facilitate invoice generation.

15. Governing Law

15.1 Jurisdiction

These Terms of Service are governed by the laws of the Kingdom of Saudi Arabia, without regard to conflicts of law principles.

15.2 Dispute Resolution

Any disputes arising from or relating to Fattourah shall be resolved under Saudi Arabia law. Both parties consent to the non-exclusive jurisdiction of Saudi courts.

15.3 Compliance with Saudi Law

Fattourah operates in compliance with applicable Saudi Arabia regulations, including the Law of Commercial Transactions, VAT Law, and Vision 2030 e-invoicing mandates.

16. Contact Information

If you have questions about these Terms of Service, your subscription, or need support:

Fattourah Support

Company: TrustDraft

Location: Dammam, Saudi Arabia

Email: [email protected]

Website: https://fattourh.com

Response Time: We aim to respond to support inquiries within 24 business hours

These Terms of Service are effective as of March 2026. TrustDraft reserves the right to update these terms at any time. Material changes will be communicated via email and website notice. Your continued use of Fattourah after updates constitutes acceptance.