Terms of Service

1. About These Terms

These Terms of Service ("Terms") form a legally binding agreement between you ("User", "you", "your") and Nastrum AI ("we", "us", "our", "Company"), the developer and operator of Nastrum Books.

These Terms govern your access to and use of the Nastrum Books platform, including the web application at app.nastrumbooks.com, the marketing website at nastrumbooks.com, and any related APIs, tools, or services (collectively, the "Service").

By creating an account, clicking "Sign Up" or "Get Started", or accessing or using the Service in any way, you confirm that you have read, understood, and agree to these Terms. If you are using the Service on behalf of a business or other legal entity, you represent that you have authority to bind that entity to these Terms.

If you do not agree to these Terms, you must not create an account or use the Service.

2. Definitions

• Account — your registered user account on Nastrum Books.
• Company — a business entity you create or manage within Nastrum Books.
• Content — all data, files, text, financial records, and attachments you input, upload, or generate within the Service.
• Attachment Storage — the storage quota allocated to your plan for uploaded files such as receipt images, invoice PDFs, and documents. This does not include accounting data (invoices, transactions, customers, reports), which is unlimited on all plans.
• Plan — the subscription tier you are on (Solo, Team, Studio, or Firm), as described on the Pricing page.
• Billing Cycle — the recurring period (monthly or annual) for which your Plan fee is charged.
• Effective Date — the date on which a change to these Terms, pricing, or the Service takes effect.
• Material Change — any change that meaningfully affects your rights, the features available to you, the price you pay, or the limits that apply to your Account.

3. Eligibility & Account Registration

You must be at least 18 years of age to create an Account. By creating an Account, you confirm that you meet this requirement.

When registering, you must provide accurate, complete, and current information. You are responsible for keeping your account information up to date, including your email address and billing information.

You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You must notify us immediately at hello@nastrumbooks.com if you suspect any unauthorised use of your Account.

You may not share your Account credentials with others, create multiple Accounts to circumvent plan limits, or create an Account on behalf of another person without their explicit consent.

We reserve the right to refuse registration or cancel Accounts at our discretion, including where we believe registration violates these Terms or applicable law.

4. Subscription Plans

Nastrum Books offers the following subscription plans. Current pricing, features, and limits are always displayed on the Pricing page, which is incorporated into these Terms by reference.

• Solo (Free): Intended for individual users managing one business. Free forever. No credit card required. Limited to 1 company, 1 user, and 500 MB attachment storage.
• Team: For small teams. Monthly or annual billing. Includes 1 company, up to 5 users, and 5 GB attachment storage.
• Studio: For businesses managing multiple companies. Monthly or annual billing. Includes up to 3 companies, 5 users per company, and 25 GB attachment storage.
• Firm: For accounting firms and enterprises. Custom pricing. Unlimited companies, custom user and storage allocation. Contact us for a quote.

All plans include access to every feature of Nastrum Books. Plan limits relate only to the number of companies, the number of users, and the attachment storage quota. No features are gated behind higher-tier plans.

Paid plans are available on monthly or annual billing cycles. Annual plans are billed upfront for the full year at a discounted rate and are non-refundable after the 14-day refund window described in Section 7.

5. Billing & Payment

By subscribing to a paid Plan, you authorise us to charge your chosen payment method on a recurring basis at the start of each Billing Cycle, until you cancel.

Payment methods: We accept major credit and debit cards and other payment methods listed at checkout. Payment is processed securely through our payment provider. We do not store your full card details.

Failed payments: If a payment fails, we will retry and notify you by email. If payment remains unsuccessful after 7 days, your Account may be downgraded to the Solo plan until payment is resolved. Your data will not be deleted during this period.

Taxes: Prices displayed do not include applicable taxes (VAT, GST, or other local taxes). Any applicable taxes will be added at checkout based on your billing address. You are responsible for all taxes applicable to your use of the Service in your jurisdiction.

Upgrades: When you upgrade to a higher-tier Plan, the new rate takes effect immediately and you are charged a prorated amount for the remainder of your current Billing Cycle.

Downgrades: When you downgrade, the change takes effect at the end of your current Billing Cycle. You retain access to your current plan's features until then. After the downgrade takes effect, any companies, users, or storage that exceed your new Plan's limits will be subject to the restrictions described in Section 8. Your data will never be deleted as a result of a downgrade. Companies exceeding the new limit will enter read-only mode and may be made active again within the switching cooldown rules described in Section 8.4.

6. Pricing & Plan Changes

We reserve the right to change the pricing of any paid Plan, introduce new Plans, retire existing Plans, or adjust the limits and features associated with any Plan. This section explains exactly how and when such changes will affect you.

6.1 Price Changes

We will give you at least 30 days' advance written notice before any price increase takes effect on your Account. Notice will be sent to the email address associated with your Account and may also be displayed in-app.

Price changes take effect at the start of your next Billing Cycle following the 30-day notice period. You will never be charged a higher price mid-cycle without your consent.

If you do not wish to continue at the new price, you may cancel your subscription before the Effective Date and you will not be charged the increased amount. Cancellation instructions are in Section 7.

Annual plan subscribers who have prepaid for a full year will not face a price increase until their current annual term ends. The new price will apply at renewal.

6.2 Plan Structure Changes

We may introduce new Plans, combine existing Plans, rename Plans, or retire Plans. If your current Plan is discontinued, we will:

• Give you at least 30 days' written notice before the change takes effect.
• Automatically migrate your Account to the most comparable available Plan at the same or lower price where possible.
• Clearly communicate any differences in features, limits, or pricing that apply after migration.
• Give you the option to cancel and receive a prorated refund for any prepaid period if you do not accept the new Plan.

6.3 Feature & Limit Changes

From time to time we may change the features included in a Plan or adjust usage limits (such as attachment storage quotas or the number of companies/users per plan). Where such changes reduce what your current Plan provides, we will give you at least 30 days' written notice before the change takes effect.

Where changes add features or increase limits without any price change, we may implement them immediately and without prior notice.

We will never reduce storage or user limits on your Account during an active prepaid billing period without offering you a proportionate refund or extension.

6.4 Free Plan Changes

The Solo plan is intended to remain free forever. However, we reserve the right to introduce limits or changes to the free plan with at least 60 days' written notice. If such changes materially reduce the free plan's value, you will always have the option to export your data before the changes take effect.

7. Refunds & Cancellations

7.1 Cancellation by You

You may cancel your subscription at any time from your Account settings or by emailing hello@nastrumbooks.com. Cancellation takes effect at the end of your current Billing Cycle. You will retain full access to your Plan's features until that date.

After cancellation, your Account will revert to the free Solo plan (if eligible) or be closed, depending on your choice. Your data will be retained for 30 days after Account closure before permanent deletion, giving you time to export.

7.2 14-Day Refund Policy

If you are not satisfied with a paid Plan, you may request a full refund within 14 days of your first payment on that Plan. This applies once per Plan level per Account. To request a refund, email hello@nastrumbooks.com with your Account email and the reason for your request.

Refunds are processed to the original payment method within 5-10 business days. After the 14-day window, subscription fees are non-refundable except where required by applicable consumer protection law in your jurisdiction.

7.3 Annual Plan Refunds

Annual plans that are cancelled within the 14-day refund window qualify for a full refund. Outside that window, annual plans are non-refundable. However, you will retain access to your paid features until the end of the annual term.

7.4 Exceptions

We reserve the right to decline refunds where there is evidence of abuse of the refund policy, violation of these Terms, or fraudulent activity. Nothing in this section limits any statutory rights you may have under applicable consumer protection laws in your country.

8. Storage & Usage Limits

8.1 What Counts as Storage

Each Plan includes an attachment storage quota for files you upload, including receipt images, PDF documents, and other attachments linked to your records. This quota does not include your accounting data (invoices, transactions, customers, vendors, reports, and other structured records), which is unlimited on all plans.

8.2 Approaching Your Limit

We will notify you by email and in-app when you have used 80% and 95% of your attachment storage quota. When your quota is reached, you will be unable to upload new attachments until you either upgrade your Plan or delete existing files to free space.

Your accounting data and all other features will continue to function normally when you reach your attachment storage limit. Only new file uploads will be paused.

8.3 User & Company Limits

Each Plan includes a maximum number of team members and companies as described on the Pricing page. If you reach a user or company limit, you will need to upgrade your Plan to add more. Existing data and access for users already within the limit will not be affected.

8.4 Company Active Status & Switching Cooldown

Plans that include fewer than the number of companies in your Account may designate one company as active at a time. Companies beyond the active limit are placed in read-only mode: all existing data remains fully accessible and exportable, but new records cannot be created or edited until the company is made active or your Plan is upgraded.

To prevent circumvention of Plan limits by cycling between companies, a 7-day cooldown applies to active company switches on Plans where only one company may be active at a time. Once you switch your active company, you may not switch again for 7 calendar days. This restriction does not apply to Plans where all companies are simultaneously active (Studio and above with companies within the plan limit, or Firm plan).

The cooldown does not affect your ability to view, export, or read data from any company at any time. Upgrading your Plan to one that accommodates all your companies simultaneously removes the cooldown restriction immediately.

8.6 Recurring Invoices in Read-Only Companies

When a company enters read-only mode (as described in Section 8.4), all recurring invoice schedules associated with that company are automatically paused. No new invoices will be generated for a read-only company until it is made active again or your Plan is upgraded. The recurring invoice schedule and configuration are preserved in full and will resume from the next applicable scheduled date upon reactivation. You will be notified by email when recurring invoices are paused as a result of a company lock.

8.7 Team Member Access on Downgrade to Solo Plan

The Solo Plan is limited to a single user (the Account owner). If you downgrade from a Team, Studio, or Firm plan to the Solo Plan, all team members will have their access to your Account immediately revoked upon the downgrade taking effect. Before confirming a downgrade to Solo, you will be shown a list of all team members who will lose access and must acknowledge this outcome before the downgrade is processed.

Each affected team member will receive an email notification informing them that their access has been removed. Their data, activity records, and contributions within the Account are not deleted. Access may be restored at any time by upgrading to a plan that includes multiple users and re-inviting those team members.

8.8 Fair Use

All plans are subject to fair use. We reserve the right to contact you and negotiate a custom arrangement if your usage places an unreasonable technical burden on our infrastructure. We will always discuss this with you before taking any action.

9. Service Modifications & Availability

9.1 Service Changes

We are continuously improving Nastrum Books. We may add, modify, or remove features at any time. For changes that meaningfully reduce what is available to you on your current Plan, we will provide at least 30 days' notice as described in Section 6.3.

For changes that improve the Service or add features without reducing existing functionality, we may implement them immediately and without prior notice.

9.2 Service Discontinuation

If we decide to discontinue Nastrum Books entirely, we will give you at least 90 days' written notice before the service is shut down. During this period, all data export tools will remain available so you can retrieve your records. Any prepaid subscription fees for periods beyond the shutdown date will be refunded in full.

9.3 Availability & Maintenance

We aim to maintain high availability for the Service. Planned maintenance windows will be communicated in advance where possible. Unplanned outages may occur and we will work to restore service promptly.

We do not guarantee uninterrupted, error-free operation of the Service. We are not liable for losses arising from temporary unavailability, provided we have not been negligent in maintaining the infrastructure.

9.4 Emergency Changes

We may make immediate changes to the Service without prior notice where required for security reasons, to comply with applicable law, or to prevent fraud or abuse. We will notify you of such changes as soon as reasonably practicable after they take effect.

10. Your Content & Data

10.1 Ownership

You retain full ownership of all Content you input, upload, or generate within Nastrum Books. We make no claim to your financial data, customer records, vendor information, uploaded files, or any other Content you create. Your data is your data.

10.2 Licence to Operate

You grant Nastrum AI a limited, non-exclusive, worldwide, royalty-free licence to store, process, transmit, and display your Content solely for the purpose of providing the Service to you. This licence ends when you delete your Account or the relevant Content.

We will never use your financial data, customer records, or business information to train machine learning models, sell to third parties, or for any purpose other than operating and improving the Service for you.

10.3 Your Responsibility

You are solely responsible for the accuracy, legality, and completeness of your Content. Nastrum Books is a tool to help you manage your finances — it does not verify the accuracy of the data you enter. You remain responsible for your financial records and for meeting your legal obligations, including tax filings.

You must ensure that your use of the Service complies with all applicable data protection laws, including any obligations you have towards your customers, employees, or vendors whose data you process within the platform.

10.4 Backups

We maintain regular backups of service data for operational purposes. However, you are responsible for maintaining your own backups of critical data. We provide CSV and PDF export tools for this purpose. We are not liable for data loss arising from your failure to maintain backups.

11. Intellectual Property

All software, source code, algorithms, design, user interface elements, trademarks, logos, and other content that comprise Nastrum Books are owned by or licensed to Nastrum AI and are protected by intellectual property laws.

Nothing in these Terms grants you any right to use Nastrum AI's name, logo, trademarks, or branding, except as necessary to describe your use of the Service (e.g. "My business uses Nastrum Books for accounting").

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any part of the Service without our prior written consent.

You may not reverse engineer, disassemble, decompile, or otherwise attempt to derive the source code of the Service.

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, worldwide licence to use that feedback in any way without compensation to you.

12. Acceptable Use

You agree to use Nastrum Books only for lawful purposes and in accordance with these Terms. You must not:

• Use the Service to record false, fraudulent, or misleading financial data, or to facilitate financial fraud, money laundering, or tax evasion.
• Violate any applicable law or regulation, including financial reporting, data protection, or anti-corruption laws in your jurisdiction.
• Attempt to gain unauthorised access to any part of the Service, its servers, databases, or related infrastructure.
• Reverse engineer, decompile, disassemble, or extract source code from any part of the Service.
• Use automated tools, scripts, bots, or crawlers to access, scrape, or extract data from the Service without our prior written permission.
• Introduce malware, viruses, or malicious code into the Service or attempt to disrupt, degrade, or damage its operation.
• Resell, sublicense, or redistribute the Service or access to it without our prior written authorisation.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Upload Content that infringes third-party intellectual property rights, is defamatory, obscene, or otherwise unlawful.
• Use the Service in any way that could damage the reputation of Nastrum AI or expose us to legal liability.

Violation of this section may result in immediate suspension or termination of your Account without refund, and we reserve the right to report suspected illegal activity to relevant authorities.

13. Suspension & Termination

13.1 Termination by You

You may terminate your Account at any time by cancelling your subscription in Account settings and requesting account deletion, or by emailing hello@nastrumbooks.com. Termination does not entitle you to a refund except as set out in Section 7.

13.2 Suspension or Termination by Us

We may suspend or terminate your Account immediately and without prior notice if:

• You materially breach these Terms and (where the breach is capable of remedy) fail to remedy it within 10 days of written notice.
• You engage in fraudulent activity, money laundering, or other illegal conduct through the Service.
• You repeatedly violate the Acceptable Use policy in Section 12.
• Continuing to provide service would expose Nastrum AI to legal liability or regulatory sanction.
• We are required to do so by law, court order, or regulatory authority.

For less severe violations or non-payment, we will attempt to notify you and provide a reasonable opportunity to resolve the issue before suspending access.

13.3 Effect of Termination

Upon termination, your right to access the Service ends immediately. Provisions of these Terms that by their nature should survive termination (including Sections 10, 11, 16, 17, 18, and 19) will remain in full force.

14. Data Export & Deletion

14.1 Your Right to Export

You may export your accounting data (invoices, transactions, customers, vendors, reports, and other records) at any time in CSV or PDF format using the built-in export tools in your Account. This right is available for the lifetime of your Account and for 30 days after Account closure.

14.2 Data Retention After Cancellation

Following cancellation or Account closure, your data will be retained in a read-only state for 30 days. During this period you can log in and export your data. After 30 days, your data will be permanently deleted from our systems, including backups, within a further 60 days.

14.3 Deletion on Request

You may request immediate deletion of your Account and all associated data at any time by emailing hello@nastrumbooks.com. We will action deletion requests within 30 days. We may retain certain records where required by law (for example, records of transactions relating to our billing obligations) but will not retain your financial or customer data beyond what is legally required.

14.5 Inactivity — Free Plan Accounts

Free Solo plan Accounts that have not recorded any user login for 12 consecutive months are subject to automatic permanent deletion. We will notify you by email at the following intervals:

• 6 months of inactivity — re-engagement notice
• 9 months of inactivity — first deletion warning
• 11 months of inactivity — final notice (30 days before deletion), including a link to export all your data
• 12 months — Account and all associated data permanently deleted

You may prevent deletion at any time by logging in to your Account, which resets the inactivity clock. Clicking the "keep my account active" link in any warning email also resets the clock. Paid subscriptions (Team, Studio, and Firm) are not subject to inactivity deletion. If your Account is deleted under this policy, you may create a new Account at any time, but previously deleted data cannot be recovered.

14.6 Termination by Us

If we terminate your Account for violation of these Terms, you will have 7 days to export your data before it is deleted, unless the termination relates to illegal activity, in which case data may be preserved for law enforcement purposes.

15. Third-Party Services

Nastrum Books uses third-party infrastructure and services to operate, including cloud database hosting, file storage, email delivery, and payment processing. Current key sub-processors include Supabase (database), Cloudflare (hosting, file storage, and CDN), and Brevo (transactional email).

We take reasonable steps to ensure that sub-processors meet appropriate data security and privacy standards. Our current sub-processor list is available on request by emailing hello@nastrumbooks.com.

The Service may contain links to third-party websites, integrations, or services. We are not responsible for the content, privacy practices, or terms of those third parties. Accessing third-party services through the Service is at your own risk.

16. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED ACCESS.

Nastrum Books is a financial management tool. It is not a licensed accounting firm, financial advisor, tax advisor, or auditor. Nothing generated by the Service constitutes professional accounting, legal, or tax advice. You should consult a qualified professional for advice specific to your business and jurisdiction.

We do not warrant that: (a) the Service will meet your specific requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) financial calculations or reports generated by the Service will be free of errors; or (d) defects in the Service will be corrected.

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above disclaimers apply to the fullest extent permitted by applicable law.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NASTRUM AI, ITS DIRECTORS, EMPLOYEES, PARTNERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

Our total aggregate liability to you for any and all claims arising from or relating to these Terms or the Service shall not exceed the greater of:

• The total amount you paid to us in the 12 months immediately preceding the event giving rise to the claim; or
• USD 100 (one hundred US dollars) if you are on the free plan or have paid nothing in the preceding 12 months.

These limitations do not apply to: (a) liability arising from our fraud or fraudulent misrepresentation; (b) liability that cannot be excluded under applicable consumer protection law in your jurisdiction; or (c) liability arising from our wilful misconduct or gross negligence.

You acknowledge that the pricing of the Service reflects the allocation of risk set out in this section and that we would not provide the Service on these terms without these limitations.

18. Indemnification

You agree to indemnify, defend, and hold harmless Nastrum AI and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the Service in violation of these Terms.
• Your Content, including any claim that it infringes a third party's rights or violates applicable law.
• Your violation of any applicable law or regulation.
• Any misrepresentation made by you in connection with your use of the Service.

We reserve the right to assume exclusive control of any matter subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defence.

19. Governing Law & Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) are governed by and construed in accordance with the laws of the United Arab Emirates.

Subject to the section below, you agree that the courts of Dubai, UAE (including the Dubai International Financial Centre courts) shall have exclusive jurisdiction to settle any dispute arising from or connected with these Terms or the Service.

Local consumer rights: Nothing in this section limits any mandatory rights you may have under consumer protection laws in your country of residence. If you are a consumer (not a business user) in the UK, EU, India, Australia, Canada, or Singapore, you may also have the right to bring claims in your local courts. We will never use this governing law clause to deprive you of consumer protections that apply in your country by law.

The United Nations Convention on Contracts for the International Sale of Goods is expressly excluded from these Terms.

20. General Provisions

20.1 Changes to These Terms

We may update these Terms from time to time. For Material Changes (as defined in Section 2), we will notify you by email at least 30 days before the changes take effect. For minor or non-material changes (such as formatting, typographical corrections, or clarifications that do not affect your rights), we may update the Terms without prior notice.

The "Last Updated" date at the top of this page will always reflect the most recent version. Continued use of the Service after the Effective Date of any change constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service before the Effective Date.

20.2 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and Nastrum AI with respect to the Service and supersede all prior agreements and understandings.

20.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

20.4 Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us to be effective.

20.5 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to an affiliate or in connection with a merger, acquisition, or sale of all or substantially all of our assets, with 30 days' notice to you. You may terminate your Account if you do not agree to any such assignment.

20.6 Force Majeure

Neither party will be liable for failure or delay in performing obligations where such failure or delay is due to circumstances beyond their reasonable control, including acts of God, natural disasters, pandemic, war, civil unrest, telecommunications failures, or government actions. The affected party must notify the other promptly and use reasonable efforts to resume performance.

20.7 Notices

Notices from us to you will be sent to the email address associated with your Account or displayed in-app. Notices from you to us must be sent to hello@nastrumbooks.com. Notices are deemed received: (a) immediately when sent in-app; (b) 24 hours after sending by email if no bounce is received.

20.8 Contact

For questions about these Terms, to exercise your rights, or to raise a complaint, contact us at: