Terms and Conditions

1. Acceptance of Terms

By downloading, installing, or using the Dr Loay App ("the App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the App.

2. About the App

The Dr Loay App is a leadership development and personal growth application powered by artificial intelligence. The App provides:

• AI-powered coaching and guidance
• Task management and goal setting
• Psychosomatic assessments and insights
• Community features and resources
• Personalized development programs

3. User Accounts

3.1 Account Creation

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the confidentiality of your account credentials
• You must be at least 13 years old to use the App

3.2 Account Responsibilities

• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• You may not share your account with others or create multiple accounts

3.3 Account Termination

• You may delete your account at any time through the App settings
• We reserve the right to suspend or terminate accounts that violate these Terms
• Upon account deletion, your data will be deactivated and made inaccessible

4. AI Services and Content

4.1 AI-Powered Features

• The App uses artificial intelligence to provide personalized coaching and insights
• AI responses are generated based on algorithms and may not always be accurate
• AI services are provided "as is" without guarantees of specific outcomes

4.2 Content Accuracy

• While we strive for accuracy, we make no warranties about the completeness or reliability of AI-generated content
• AI responses should not be considered as professional medical, legal, or financial advice
• Users should exercise their own judgment when following AI recommendations

4.3 User-Generated Content

• You retain ownership of content you create or submit through the App
• By submitting content, you grant us a license to use, modify, and distribute it within the App
• You are responsible for ensuring your content does not violate any laws or third-party rights

5. Privacy and Data Protection

5.1 Data Collection

• We collect information necessary to provide and improve our services
• This includes account information, usage data, and content you create
• We use secure systems to protect your personal information

5.2 Data Usage

• Your data is used to personalize your experience and improve the App
• We may analyze usage patterns to enhance our services
• We do not sell your personal data to third parties

5.3 Data Retention

• We retain your data for as long as your account is active
• When you delete your account, we deactivate your data and make it inaccessible
• Some data may be retained for legal or security purposes as required by law

5.4 Third-Party Services

• The App integrates with third-party services (such as Supabase for data storage)
• These services have their own privacy policies and terms of service
• We are not responsible for the privacy practices of third-party services

6. Prohibited Uses

You agree not to use the App to:

• Violate any applicable laws or regulations
• Harass, abuse, or harm other users
• Upload malicious code or attempt to hack the App
• Impersonate others or provide false information
• Spam or send unsolicited communications
• Interfere with the proper functioning of the App
• Attempt to reverse engineer or copy the App's functionality

7. Intellectual Property

7.1 Our Rights

• The App, including its design, functionality, and content, is owned by us
• Our trademarks, logos, and brand elements are protected by intellectual property laws
• You may not use our intellectual property without written permission

7.2 User Rights

• You retain ownership of your original content
• You grant us a license to use your content within the App
• You may not claim ownership of AI-generated content or our proprietary features

8. Disclaimers and Limitations

8.1 Service Availability

• We strive to maintain continuous service but cannot guarantee 100% uptime
• The App may be temporarily unavailable for maintenance or updates
• We are not liable for any losses resulting from service interruptions

8.2 Health and Wellness Disclaimer

• The App provides general wellness and leadership guidance
• It is not a substitute for professional medical, psychological, or therapeutic treatment
• Consult qualified professionals for serious health or mental health concerns

8.3 Limitation of Liability

• Our liability is limited to the maximum extent permitted by law
• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount you paid for the App (if any)

9. Subscription and Payments

9.1 Free Services

• Basic features of the App are provided free of charge
• We reserve the right to introduce premium features in the future
• Free tier includes core leadership development tools

9.2 Premium Features (if applicable)

• Premium features may require subscription or one-time payment
• Prices are displayed in UAE Dirhams (AED) for UAE users
• Subscription fees are charged in advance and are non-refundable
• Payment methods include those commonly used in the UAE
• You may cancel subscriptions at any time through your device's app store
• VAT (Value Added Tax) is applied as per UAE tax regulations

9.3 UAE Payment Compliance

• All payments comply with UAE Central Bank regulations
• Payment processing follows UAE cybersecurity standards
• VAT invoices are provided as per UAE Federal Tax Authority requirements
• Payment disputes are handled according to UAE consumer protection laws

9.4 Refund Policy

• Refunds are handled through the respective app store (Apple App Store, Google Play Store)
• We follow the refund policies of these platforms and UAE consumer protection laws
• For direct payments, refunds follow UAE Commercial Code provisions
• Contact customer support for refund-related inquiries during UAE business hours

10. Updates and Modifications

10.1 App Updates

• We may update the App to add features, fix bugs, or improve performance
• Updates may be required for continued use of the App
• We are not obligated to provide updates indefinitely

10.2 Terms Updates

• We may modify these Terms from time to time
• Users will be notified of significant changes
• Continued use of the App after changes constitutes acceptance of new Terms

11. Termination

11.1 Termination by User

• You may terminate your account at any time by deleting it through the App
• Upon termination, your access to the App will cease immediately
• Some provisions of these Terms will survive termination

11.2 Termination by Us

• We may terminate or suspend your account for violation of these Terms
• We may discontinue the App with reasonable notice to users
• We are not liable for any losses resulting from termination

12. UAE-Specific Terms and Cultural Considerations

12.1 Cultural Sensitivity

• All content and AI responses respect UAE cultural values and Islamic principles
• The App operates in accordance with UAE social and cultural norms
• Content is reviewed to ensure appropriateness for the UAE market
• Arabic language support is provided where applicable

12.2 Business Days and Hours

• Business operations follow UAE working week (Sunday to Thursday)
• Support services operate during UAE business hours (GST timezone)
• Islamic holidays and UAE national holidays are observed
• Ramadan schedules may affect support response times

12.3 Local Compliance

• All services comply with UAE cybersecurity and data protection requirements
• Content filtering adheres to UAE internet and media regulations
• Professional development content aligns with UAE Vision 2071
• Leadership training respects UAE governance and business culture

12.4 Geographic Availability

• Primary market focus is the United Arab Emirates
• Services are optimized for GCC region users
• Some features may be restricted based on your location
• International users must comply with their local laws and regulations

13. Contact Information

For questions about these Terms or the App, please contact us:

• Email: support@drloayapp.com
• Phone (UAE): +971 (0) 45 542 807
• Business Hours: Sunday-Thursday, 9am until 6pm GST
• Address: United Arab Emirates
• Business Registration: Licensed in accordance with UAE commercial laws

14. Governing Law and Jurisdiction

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and us regarding the use of the App and supersede all prior agreements and understandings.