Terms of Service

1 Acceptance of Terms

By registering for or using Sarmaya ("the Service"), you agree to be bound by these Terms of Service. If you are registering on behalf of a business, you represent that you have authority to bind that business to these terms.

If you do not agree to these terms, please do not use the Service.

2 The Service

Sarmaya is a cloud-based business management platform that includes modules for inventory management, accounting and ledger, sales and invoicing, purchase orders, CRM, point of sale (POS), reports and analytics, and HR and staff management.

We reserve the right to:

• Add, modify, or remove features with reasonable notice
• Perform scheduled maintenance (we aim to do this during off-peak hours)
• Update the platform to improve security and performance

We target 99% uptime but do not guarantee uninterrupted access at all times.

3 Your Account

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activity that occurs under your account
• Ensuring your account information is accurate and up to date
• Promptly notifying us if you suspect unauthorized access to your account

You may create additional user accounts under your subscription up to your plan's user limit. Each user must agree to these terms before accessing the platform.

4 Subscription & Payment

Sarmaya operates on a subscription model. Current pricing is displayed at sarmaya.io/#pricing.

• Billing: Subscriptions are billed monthly or annually, in advance.
• Currency: All prices are in Pakistani Rupees (PKR).
• Founding Member Rate: If you subscribed at the Founding Member rate, that rate is locked for the lifetime of your active subscription.
• Price changes: We will give at least 30 days' notice before changing subscription prices for existing customers.
• Failed payments: If a payment fails, we will attempt to notify you. Access may be suspended after a grace period if payment is not received.
• Refunds: We offer refunds on a case-by-case basis. Contact us within 7 days of a charge if you believe it was made in error.

5 Your Data

Your business data — including products, customers, invoices, and financial records — belongs to you. We do not claim any ownership over it.

• You can export your data at any time from within the application.
• We will not access your business data except to provide the service, troubleshoot issues at your request, or comply with legal obligations.
• Upon account deletion, your data is removed per our Privacy Policy.

6 Acceptable Use

You agree not to use Sarmaya to:

• Violate any applicable Pakistani or international law or regulation
• Store or transmit fraudulent, misleading, or illegal business records
• Attempt to gain unauthorized access to any part of our systems
• Reverse engineer, decompile, or copy any part of the platform
• Resell or sublicense the Service to third parties without our written consent
• Use the Service in a way that disrupts or overloads our infrastructure

We reserve the right to suspend or terminate accounts that violate these rules without prior notice.

7 Free Trial

Sarmaya offers a 30-day free trial with full access to all features. No credit card is required to start a trial.

• The trial begins on the date of registration.
• At the end of the trial period, you will need to subscribe to continue using the Service.
• Data entered during the trial is retained if you subscribe. If you do not subscribe, trial data may be deleted after 14 days following trial expiry.
• We reserve the right to modify trial terms or duration at any time.

8 Cancellation

You may cancel your subscription at any time by contacting us via email or WhatsApp.

• Access continues until the end of the current billing period.
• No partial refunds are issued for unused days in the current period, unless otherwise agreed.
• After cancellation, you have 30 days to export your data before it is deleted.
• We may cancel or suspend your account if you violate these terms, with or without notice depending on the severity of the violation.

9 Limitation of Liability

Sarmaya is provided "as is." We make no warranty that the Service will be error-free or uninterrupted at all times.

To the maximum extent permitted by applicable law, Sarmaya shall not be liable for:

• Loss of profits, revenue, or business data
• Indirect, incidental, or consequential damages arising from use of the Service
• Errors in financial calculations resulting from incorrect data entry by the user
• Third-party service outages (hosting, internet connectivity, payment providers)

10 Changes to Terms

We may update these Terms of Service as the product evolves. When we make material changes, we will:

• Update the "Last updated" date at the top of this page
• Notify active subscribers via email at least 14 days before changes take effect

Your continued use of Sarmaya after changes take effect constitutes acceptance of the new terms. If you do not accept updated terms, you may cancel your subscription before they take effect.

11 Governing Law

These Terms of Service are governed by the laws of the Islamic Republic of Pakistan. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Pakistan.

We encourage you to contact us directly before initiating any formal dispute — most issues can be resolved quickly through direct communication.