Terms of use

These terms apply to your use of gulfhisaab.com (the "Site"), operated by Vertex Data Systems FZCO. By using the Site you agree to them. If you do not agree, please do not use the Site.

1. What the Site provides

The Site offers free calculators and explanatory articles about pay, loans and tax in the United Arab Emirates. They are provided for general information and education only.

2. No advice

Nothing on the Site is financial, investment, tax, legal or other professional advice, and nothing is an offer or recommendation to buy or sell any product. Results depend entirely on the inputs you provide and the assumptions stated on each page. You are responsible for decisions you make; please consult a qualified professional where appropriate. See our disclaimer.

3. Accuracy

We work hard to keep calculators and content accurate and current, but we do not guarantee that the Site is free of errors, complete or up to date at all times. Laws, rates and product terms change, and your employer's settlement, your lender or the relevant authority (such as MOHRE or the courts) is the final word on any figure.

4. Acceptable use

You agree not to:

• use the Site in any way that breaks applicable law;
• attempt to disrupt, overload or gain unauthorised access to the Site or its servers;
• scrape or copy the Site's content in bulk, or republish it as your own.

5. Intellectual property

The Site's text, design, code and graphics are owned by Vertex Data Systems FZCO or its licensors. You may use the calculators and share links to our pages freely, and quote short extracts with attribution and a link. Any other reproduction requires our written permission.

6. Third-party links and advertising

The Site may contain links to other websites and may display advertisements served by third parties. We do not control and are not responsible for third-party content, products or services.

7. Limitation of liability

To the fullest extent permitted by law, the Site is provided "as is" without warranties of any kind, and Vertex Data Systems FZCO is not liable for any loss or damage arising from your use of, or reliance on, the Site or its content.

8. Changes

We may change the Site or these terms at any time. The date at the top shows when the terms last changed; continued use of the Site after a change means you accept the updated terms.

9. Governing law

These terms are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. This does not remove any protection you have under the mandatory consumer laws of the country where you live.

10. Contact

Questions about these terms: hello@rupeekhata.com.