Terms of Service

Last updated: 19 October 2026

1. What Dirhamly is

Dirhamly is a personal budgeting app built around UAE salary cycles. You enter your salary, bills and spending, and the app calculates a Safe Daily Spend figure and related insights. Dirhamly does not connect to your bank, never asks for your bank login, and does not move money. On Android you can optionally let it read bank SMS and banking-app notifications to record spending, as described in the Privacy Policy.

2. Your account

You must be at least 18 and provide accurate details. You are responsible for keeping your login credentials secure and for everything done through your account. Tell us at support@getdirhamly.com if you believe it has been accessed by someone else.

3. Beta and price

Dirhamly is in beta and is currently free. No payments are taken in the app or on this website.

Because Dirhamly is in beta, features may change, may have bugs, and may be removed. We will try to tell you in the app before a change that affects how you use it.

4. Pro and the waitlist

A paid Pro plan is planned but not yet available to buy. You can join the Pro waitlist through a form run by Tally (tally.so/r/jagJdE). Joining the waitlist creates no obligation to buy, and it does not reserve a price.

The Pro price shown on our Pricing page is the planned launch price and may change before launch. If paid plans launch, we will show the price and terms before anyone pays, and any paid plan will be opt-in. If a feature that is free during beta becomes part of Pro, we will tell you in the app before that happens.

5. Payments, renewals and refunds (will apply when Pro launches)

This section is not yet applicable: there are no paid plans today. When Pro launches, it will apply as follows.

Pro subscriptions will be bought through the Apple App Store or Google Play and will be subject to their terms. The price, billing frequency and what Pro includes will be shown in the app before you buy. Subscriptions will renew automatically unless cancelled before the renewal date, and you will manage or cancel yours in your Apple or Google account settings, not in Dirhamly, because we never process payments ourselves. Billing will be handled by Apple and Google, and refunds will be subject to their refund policies.

6. Dir, the AI coach

Dir is powered by Claude, an AI model from Anthropic. It gives budgeting education and general money guidance based on the figures you have entered. Before your first conversation the app asks for your explicit consent to share the financial context Dir needs. You can decline and keep using every other feature, and you can withdraw consent at any time in Profile → AI data sharing.

During beta, Dir has a fair daily usage limit. The limit may change, and we may adjust it to keep the service running well for everyone.

AI answers can be wrong. Dir can misread your figures or make mistakes, so check anything important against the app's own screens. Dir's answers are not licensed financial, investment, tax or legal advice, and you should not make a significant financial decision on the strength of them alone.

7. Not a licensed financial service

Dirhamly is a personal budgeting tool. It is not a bank, and it is not licensed by the UAE Central Bank, the Securities and Commodities Authority, or any other financial regulator. Nothing in the app, including anything Dir tells you, is financial, investment, tax or legal advice. The numbers the app shows (including Safe Daily Spend and zakat estimates) are calculations based on the figures you entered.

You remain responsible for your own financial decisions. Verify anything important with a qualified professional before acting on it. We are not liable for decisions you make using the app.

8. Accuracy

The app is only as accurate as the data you give it. Exchange rates, zakat thresholds and similar reference figures are provided for guidance and may be out of date or incorrect.

9. Acceptable use

• Do not use Dirhamly for anything unlawful.
• Do not attempt to access another user's data, or to break, probe or overload the service.
• Do not resell, scrape or redistribute the app or its content.

We may suspend or close accounts that breach these terms.

10. Availability

We work to keep Dirhamly running but do not guarantee uninterrupted service, especially during beta. We may discontinue the service with reasonable notice.

11. Your data

How we handle personal data is set out in our Privacy Policy. You can delete your account at any time from Profile → Delete my account, or via our deletion request form.

12. Intellectual property

Dirhamly and everything in it, including the Safe Daily Spend method, the Dir coach, the design, text and graphics, belongs to us and is protected by applicable intellectual property law. You may not copy, modify, distribute, sell or lease any part of it without our written permission. Your own data stays yours. See the Privacy Policy.

13. Liability

To the fullest extent permitted by law, Dirhamly is provided “as is” and we exclude liability for indirect or consequential loss, and for any financial loss arising from decisions you make using the app.

14. Indemnification

You agree to cover us against any claim, loss or reasonable legal cost arising from your misuse of Dirhamly or your breach of these terms.

15. Changes to these terms

We may update these terms. Material changes will be notified in the app before they take effect, and the date above will change.

16. Governing law

These terms are governed by the laws of the United Arab Emirates, and the courts of the UAE have exclusive jurisdiction over any dispute.

17. Contact

Email support@getdirhamly.com.