Bustan — Terms & Conditions

1. Who we are and what these Terms are

1.1 The parties

These Terms & Conditions (the "Terms") are a binding agreement between:

• Jasmine Entertainment FZE, a free zone establishment registered in Sharjah Publishing City, Business Centre, Sharjah, United Arab Emirates, holding trade licence number 4422193.01 ("Jasmine Entertainment", "we", "us", "our"); and
• you, the individual person who downloads, installs, accesses, or uses the Bustan mobile application or the getbustan.com website ("you", "your", the "User").

"Bustan" or the "Service" means, together: the Bustan mobile application on iOS and any other platform we later release it on; the getbustan.com website and any subdomain of it; the Bustan card and benefit database (the "Catalog"); the Wallet Audit dossier; push notifications we send you; and any related feature, content, or support channel we operate.

1.2 Contact

support@getbustan.com is the only email address we operate. If you receive an email claiming to be from Bustan from any other address, treat it as fraudulent and tell us.

1.3 Accepting these Terms

You accept these Terms by doing any of the following: tapping to accept them during onboarding; downloading, installing, or opening the App; signing in with Apple to use the App; or subscribing to Bustan Pro.

If you do not accept these Terms, do not use Bustan. Your remedy is to stop using it and delete the App.

Under Federal Decree-Law No. 46 of 2021 on Electronic Transactions and Trust Services, your electronic acceptance of these Terms has the same legal effect as a signature on paper. You agree not to argue otherwise.

1.4 Documents that form part of this agreement

The following are incorporated into these Terms by reference, and you accept them at the same time:

• the Bustan Privacy Policy, at getbustan.com/privacy;
• the Bustan Cookie Policy, at getbustan.com/cookies;
• the Apple-Specific Terms in Section 24, which apply because the App is distributed through the Apple App Store;
• any additional terms we show you in-app at the point of a specific feature or purchase, which apply only to that feature or purchase and only to the extent they do not contradict these Terms.

If there is a conflict, the order of priority is: (1) additional terms shown at the point of a specific purchase; (2) these Terms; (3) the Privacy Policy and Cookie Policy on matters of personal data; (4) anything else.

1.5 Changes to these Terms

We may change these Terms. When we do:

• we will update the "Last updated" date and increment the document version;
• for changes that materially reduce your rights or increase your obligations, we will give you at least 30 days' notice before they take effect, by in-app notice, push notification, or email if we have one for you;
• for corrections, clarifications, new features, and changes required by law, we may make the change immediately.

If you keep using Bustan after a change takes effect, you accept the changed Terms. If you do not accept them, stop using Bustan and delete the App. If a material change takes effect during a paid Bustan Pro period and you do not accept it, you may cancel through Apple; see Section 12.

2. Eligibility — who may use Bustan

You may use Bustan only if all of the following are true.

1. You are 18 years of age or older. Bustan is a financial-adjacent product tied to credit card ownership and paid subscriptions. It is not designed for, marketed to, or available to anyone under 18. We do not knowingly permit under-18s to use the Service, and we will terminate any account we discover belongs to a minor.
2. You have legal capacity to enter into a binding contract under the law that applies to you.
3. You are using Bustan for yourself, in a personal capacity, and not on behalf of a bank, card issuer, comparison site, competitor, or any other business, unless we have agreed in writing.
4. You are not barred from receiving our services under the laws of the United Arab Emirates or any applicable sanctions regime, and you are not located in a country subject to a comprehensive embargo that would make providing the Service to you unlawful.
5. You have not previously been removed from Bustan by us for breach of these Terms.

Most UAE card issuers require applicants to be at least 21 and to meet a minimum salary threshold. Bustan tracks cards; it does not issue them, and holding an account with us says nothing about whether you qualify for any card.

2.1 Where Bustan is designed to work

Bustan is built for credit cards issued in the United Arab Emirates, and the Catalog covers UAE issuers only. You may open the App elsewhere in the world, but:

• we make no claim that Bustan is appropriate, accurate, or lawful to use outside the UAE;
• we do not cover cards issued outside the UAE;
• if you access Bustan from another country, you are responsible for complying with that country's laws.

3. What Bustan is — and what it is emphatically not

This Section is the most important part of these Terms. Read it before you rely on anything the App tells you.

3.1 What Bustan does

Bustan does three things:

1. It records which card products you say you hold. You pick them from a list. You give us the product name, not the card.
2. It shows you the benefits those products are publicly advertised to carry — cinema tickets, valet parking, golf rounds, airport lounge access, airport transfers, dining programmes, cashback caps, annual fee waiver thresholds, and so on — drawn from information the issuers publish themselves.
3. It reminds you before a use-it-or-lose-it benefit period closes, and before an annual fee anniversary falls due, and estimates what your unused benefits are notionally worth.

That is the whole product. It is an organised, searchable, timely presentation of information the banks have already published.

3.2 What Bustan is not — regulatory status

Jasmine Entertainment FZE is not a financial institution. Specifically, and without limitation, Bustan is not:

• a bank, finance company, or deposit-taker;
• a credit card issuer, acquirer, or card network;
• a lender, or a broker or arranger of credit;
• a licensed financial adviser, investment adviser, or financial planner;
• an insurance company, insurance broker, or insurance intermediary;
• a payment service provider, money transmitter, stored value facility, or wallet provider;
• a credit bureau, credit reference agency, or credit scoring service;
• an open banking provider, account information service provider, or payment initiation service provider;
• a Shariah supervisory board, Shariah adviser, or issuer of fatwa.

Jasmine Entertainment FZE is not licensed or regulated by the Central Bank of the UAE, the Securities and Commodities Authority, the Dubai Financial Services Authority, the Financial Services Regulatory Authority of ADGM, or any other financial services regulator, in the UAE or anywhere else. We do not carry on any licensed or regulated financial activity, and nothing in the Service should be read as suggesting that we do.

If any feature of Bustan would require a financial services licence in a jurisdiction where you are located, that feature is not offered to you there.

3.3 Bustan is not financial advice

Everything Bustan shows you is general information, published to a general audience, and identical for every user who holds the same card.

Bustan does not:

• know your income, debts, credit limit, statement balance, interest or profit charges, repayment history, credit score, dependants, tax position, or financial goals;
• take your personal circumstances into account in any way;
• recommend that you apply for, keep, cancel, upgrade, or downgrade any card;
• recommend that you spend money, or spend it in any particular category or at any particular merchant;
• tell you whether an annual fee is worth paying for you;
• assess whether any product is suitable or appropriate for you.

When Bustan says a card "pays for itself" or shows a "fee justification verdict", that is an arithmetic comparison between an annual fee and a modelled valuation of advertised benefits — no more. It is not a recommendation and must not be treated as one.

Before you make any financial decision, get advice from a licensed professional who knows your circumstances, and read your card's own terms and conditions. You alone are responsible for your financial decisions. Chasing a benefit you would not otherwise have used, or spending to reach a fee waiver threshold, can easily cost you more than the benefit is worth.

3.4 Bustan does not give Shariah rulings

The Catalog includes Islamic card products from UAE issuers and describes them using the issuers' own terminology — profit rate rather than interest, and the relevant Shariah structure where the issuer states it. This is reporting, not endorsement, and not a Shariah opinion. We are not qualified to and do not certify that any product is Shariah-compliant. Only the issuer's own Shariah supervisory board can do that. If Shariah compliance matters to you, rely on the issuer's board and your own scholar, not on Bustan.

3.5 What Bustan never sees

Bustan is designed so that a breach of our systems cannot expose your financial credentials, because those credentials are never there. We do not ask for, receive, or store:

• credit or debit card numbers, in full or in part;
• CVV / CVC codes, PINs, or expiry dates;
• online banking usernames, passwords, or one-time passcodes;
• bank statements, transaction history, or spending data;
• account numbers or IBANs;
• Emirates ID numbers, passport numbers, or copies of identity documents;
• credit reports or credit scores.

We do not connect to your bank. We do not use open banking. We do not read your SMS messages, your email, or your notifications. We do not ask you to upload statements. This is enforced in our codebase by an automated check that fails our build if any such field is introduced.

Never give your card number, PIN, CVV, banking password, or one-time passcode to anybody claiming to be from Bustan. We will never ask for them, through any channel, for any reason.

4. The Catalog — accuracy, limits, and your duty to verify

4.1 Where the information comes from

The Catalog is built from publicly available sources: issuers' own credit card pages, their published benefit descriptions, and the terms and conditions documents they link publicly. Our crawler, BustanBot, identifies itself, respects robots.txt, and fetches only public pages, never anything behind a login or paywall. Its behaviour is documented at getbustan.com/bot.

Detected changes are reviewed by a person before they are published, and every published benefit carries a source citation and a "last verified" date, which you can see in the App.

4.2 We make no warranty that the Catalog is correct

We work hard on accuracy. It is the core of the product. But we do not warrant, guarantee, or represent that the Catalog is accurate, complete, current, or fit for any purpose. In particular:

• Banks change benefits without telling us, and often without telling anyone. Perks are added, reduced, capped, restricted to certain tiers, or withdrawn entirely, sometimes with no public notice. Whole co-branded card lines have been discontinued in this market at short notice.
• There is always a lag. We re-verify each source roughly monthly. A benefit can change the day after we check it, and the App will show the old position until the next cycle.
• Published sources are themselves often wrong, ambiguous, outdated, or contradictory. Issuers' marketing pages and their own terms and conditions documents frequently disagree.
• Benefits are frequently conditional on things we cannot see: your card variant or tier, your spend in a prior period, your account standing, your enrolment in a programme, promotional windows, regional restrictions, capacity at a venue, blackout dates, or the issuer's discretion.
• Extraction is imperfect. Parts of our pipeline use automated extraction from documents and web pages, reviewed by a human. Both automated extraction and human review can be wrong.
• The Catalog is a summary. It compresses long terms into short statements. Detail is lost by design.

4.3 Your bank's terms govern — always

The contract for every benefit is between you and your card issuer (or the third party operating the benefit), and it is governed by their terms, not ours.

If Bustan says a benefit exists and your bank says it does not, your bank is right and Bustan is wrong. If Bustan and your bank's terms disagree on the value, cap, frequency, expiry, or conditions of a benefit, your bank's terms prevail in every case.

You must verify a benefit directly with your issuer before you rely on it, and especially before you:

• travel to a location or venue expecting access;
• make a purchase, book, or commit money in reliance on a benefit, cap, or reward rate;
• choose one card over another for a transaction;
• decide to keep or cancel a card, or to pay or not pay an annual fee;
• take any step whose cost to you, if the benefit turns out not to exist, would matter.

4.4 Value estimates and the "waste" figures

Bustan shows AED figures: what a benefit is "worth", what your wallet is "worth" per year, and how much value you may be "wasting".

These are modelled estimates. They are not measurements, and they are not promises.

• They are produced by an algorithm using generic assumptions about what a benefit would cost to buy at retail, applied identically to every user who holds the card.
• They assume you would have paid for the thing anyway. If you would not have bought cinema tickets, a free cinema ticket is not worth its face value to you — it is worth nothing.
• They do not account for your actual usage, your location, your travel patterns, your household, taxes, the time and effort of redemption, or opportunity cost.
• "Waste" is a statistical estimate, inferred from benefit cycles and what you have marked as used in the App. It is not a record of what you actually did or did not redeem, and it will be wrong for individual users in both directions.
• Currency values are estimates. Where a benefit is denominated in another currency, exchange rates move.

No figure shown in Bustan is a statement of money you have earned, are owed, will receive, or will save. Do not present these figures to anyone as a statement of fact about your finances, and do not rely on them for accounting, tax, credit, immigration, or legal purposes.

4.5 The Wallet Audit dossier

The Wallet Audit dossier is a document generated by an algorithm from (a) the card products you told us you hold and (b) the Catalog as it stood at a specific version, which is stamped on the dossier.

Everything in Sections 4.2 to 4.4 applies to the dossier in full. In addition:

• The dossier is a snapshot, correct only as at its catalog version and generation date. It begins going out of date immediately.
• It is not an audit in any professional, accounting, assurance, or regulatory sense. No auditor, accountant, adviser, or regulated person has reviewed it. The word is used in its ordinary English sense of "a stocktake".
• It is not personalised advice, and no human being at Jasmine Entertainment reviews your individual dossier before it is generated.
• It reflects only the cards you entered. If you left cards out, entered the wrong variant, or entered a card you do not actually hold, the dossier will be wrong, and that is not something we can detect or correct.

4.6 Notifications are a courtesy, not a guarantee

Bustan can send push notifications before benefits expire and before annual fee anniversaries.

Notifications are provided on a best-efforts basis and must not be relied upon as your only reminder for anything that matters.

They may be delayed, duplicated, or never delivered at all, for reasons including: your device being off, offline, in low-power mode, or out of storage; your operating system's notification scheduling, batching, or summarising; permissions being denied or revoked; Focus modes or Do Not Disturb; your quiet hours settings; expired or invalidated push tokens; failures at Apple, Google, or our push provider; our own outages; or an incorrect expiry date in the Catalog.

We may also stop, pause, or reduce notifications globally at any time — including through an operational kill switch — without notice.

If a benefit expiring matters to you, put it in your own calendar. We are not liable for any benefit you lose because a notification did not arrive, arrived late, or was wrong. See Section 20.

4.7 Help us fix it

If you find something wrong, use the in-app report control on the benefit, or email support@getbustan.com. Reports genuinely drive our correction queue. Reporting an error does not create any obligation on us to correct it within any particular time, or at all, and does not entitle you to a refund.

5. We are independent of the banks

5.1 No affiliation

Jasmine Entertainment FZE and Bustan are entirely independent of every bank, card issuer, card network, and benefit provider named in the Service.

We are not affiliated with, endorsed by, sponsored by, approved by, authorised by, certified by, partnered with, appointed by, or acting as agent for any of them. No bank, issuer, network, or provider has reviewed, approved, verified, or is responsible for any content in Bustan.

References to banks, card products, networks, and benefit providers are descriptive. We name them because that is the only way to tell you which card of yours to use. Naming a card product is nominative reference to identify a real product, and nothing more.

5.2 Nobody pays us to say anything

At the date of these Terms:

• We receive no commission, referral fee, affiliate revenue, bounty, or payment of any kind from any bank, issuer, network, or benefit provider.
• We carry no advertising and no sponsored placement.
• We do not sell card applications, and we do not operate affiliate links to card application pages.
• Our only revenue is what users pay us for the Wallet Audit and Bustan Pro.
• No commercial relationship influences whether a card is included, how it ranks, or what we say about it.

If this ever changes, we will disclose it clearly and prominently in the App and update these Terms before any such arrangement takes effect.

5.3 Trademarks

Bank names, card product names, network marks (including Visa, Mastercard, and American Express), loyalty programme names, and benefit provider names are the trademarks of their respective owners. They are used in Bustan solely to identify the products and benefits being described, which is nominative use. No claim of ownership, association, or endorsement is made or should be inferred.

Card artwork in Bustan is original illustration created by or for us. It is stylised and deliberately does not reproduce any issuer's card face, artwork, photograph, or design. Any resemblance is limited to unprotectable elements such as brand colour and the product name in plain text.

If you own a mark and object to how it appears in Bustan, email support@getbustan.com and we will review promptly.

5.4 Third parties actually deliver the benefits

Valet services, cinemas, golf courses, airport lounges, transfer companies, restaurants, hotels, and dining programmes are operated by independent third parties, under contracts with the issuers, not with us.

We have no control over them and no responsibility for them. We are not liable if a venue refuses you entry, is closed, is full, has left the programme, does not recognise your card, applies conditions we did not list, provides a poor experience, or injures or damages you or your property. Your recourse in every such case is against that provider or your issuer.

6. Your Bustan identity

6.1 Apple-backed by default

To use the App, you must use Sign in with Apple when you first open it. It is the only login method we offer. We do not ask you to create a username or password, and we ask Apple for neither your name nor your email address. Apple gives us only an opaque account identifier that lets us attach your Bustan data to the same account across supported Apple devices.

The App creates a random per-install identifier before the Apple sheet opens. That identifier is a security bootstrap used to prove and merge the installation; it is not a separate anonymous account you can continue using instead of Apple sign-in.

6.2 Remembered sessions and new devices

After a successful sign-in, the App remembers the linked Bustan identity on that device and normally opens straight to your wallet without showing the Apple sheet again. A new installation, a new device, or an Apple credential revocation requires Sign in with Apple again. Using the same Apple account reconnects the server-held wallet, settings, usage history, audits, and Pro access.

6.3 Your responsibilities

You are responsible for:

• the security of the device you use Bustan on, and its passcode and biometrics;
• everything done through your Bustan identity on your device;
• the accuracy of the cards you add — including that you actually hold them;
• keeping your Apple ID secure, since it controls your purchases and restores.

6.4 One identity, one person

Your Bustan identity is personal to you. Do not share it, sell it, transfer it, or let anyone else use your entitlements. We may treat any sharing of a paid entitlement as a material breach.

6.5 If you lose your device

If you reinstall the App, change device, or wipe your device, sign in with the same Apple account to reconnect the data held for your Bustan identity. Changes made while offline that never reached our server may not be recoverable. We cannot attach your data to a different Apple account when you cannot prove that it belongs to you.

7. Licence to use Bustan

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to download and use one copy of the App on Apple-branded devices you own or control (as permitted by the App Store Terms of Service), and to access the website, in each case for your own personal, non-commercial use.

This is a licence to use, not a sale. We retain all rights not expressly granted.

8. What you may not do

You must not, and must not attempt to, and must not help or permit anyone else to:

Against the Service

1. copy, extract, scrape, crawl, harvest, index, mirror, cache beyond ordinary app operation, or systematically download any part of the Catalog or any other content in the Service;
2. use any robot, spider, scraper, automated script, headless browser, or AI agent to access the Service, other than a search engine indexing our public website in accordance with our robots.txt;
3. reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, valuation model, or Catalog structure of the Service, except to the exact extent that this restriction is prohibited by applicable law;
4. intercept, tamper with, replay, forge, or bypass our API, our authentication, our signed catalog bundles, our entitlement checks, or any paywall or access control;
5. access or attempt to access the /admin surface, any non-public endpoint, any other user's data, or any system or network connected to the Service without authorisation;
6. probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measure, except under a written authorisation from us;
7. impose an unreasonable or disproportionate load on our infrastructure, or interfere with the proper working of the Service, including by denial-of-service or flooding;
8. introduce any virus, worm, trojan, ransomware, or other malicious code;
9. remove, obscure, or alter any proprietary notice, citation, source attribution, or "last verified" date;

Commercial and competitive

10. resell, sublicense, rent, lease, lend, distribute, publish, or otherwise commercially exploit the Service or any content in it;
11. use the Service or the Catalog to build, train, benchmark, populate, or improve any competing product, database, dataset, model, or service;
12. use the Service to provide a service to third parties, including advisory, comparison, brokerage, or lead generation services;
13. use content from the Service in advertising, marketing, or a commercial publication without our prior written consent, beyond ordinary quotation with attribution;

Conduct and content

14. impersonate any person or entity, including any bank, issuer, or Bustan itself, or misrepresent your affiliation;
15. submit any perk report, feedback, or other content that is false, misleading, abusive, defamatory, obscene, discriminatory, harassing, unlawful, or that infringes anyone's rights;
16. submit anyone's personal data (including your own card number or anyone else's) into a free-text field;
17. use the Service for any unlawful purpose, or in furtherance of fraud, money laundering, terrorist financing, or sanctions evasion;
18. use the Service in any way that breaches the laws of the United Arab Emirates, including Federal Decree-Law No. 34 of 2021 on Countering Rumours and Cybercrimes, or the laws of any other jurisdiction that apply to you;
19. use the Service to make, encourage, or facilitate any application for credit by anyone other than you, or any application containing false information;

Abuse of purchases

20. abuse refunds, chargebacks, promotional offers, free trials, or the restore mechanism, including by creating multiple identities to obtain repeated free access;
21. share, resell, or otherwise make available a paid entitlement to anyone else.

Some of the conduct above is a criminal offence in the UAE. We report serious abuse to the authorities and cooperate with lawful requests.

9. Content you provide

9.1 What counts

"User Content" means anything you submit: the cards you add, nicknames you give them, fee anniversary dates, benefits you mark as used or mute, perk reports and their notes, feedback, support correspondence, and anything else you send us.

9.2 Licence you give us

You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable, perpetual, irrevocable licence to host, store, reproduce, modify, adapt, publish, and use your User Content for the purposes of: operating and providing the Service to you; improving the Catalog and the Service; and producing aggregated and anonymised statistics and insights.

We will not publish your individual User Content in a way that identifies you. Aggregated and anonymised outputs — for example "12% of users reported this benefit was refused" — are ours to use freely, including publicly and commercially.

You keep ownership of your User Content.

9.3 Your promises about it

You represent and warrant that your User Content is accurate to the best of your knowledge, is yours to submit, and does not infringe anyone's rights or breach any law or confidentiality obligation.

9.4 Feedback

If you send us ideas, suggestions, or feature requests, we may use them freely and without compensation, credit, or confidentiality. Do not send us anything you want to keep or be paid for.

9.5 Moderation

We may review, refuse, edit, or delete User Content at any time, at our discretion. We are under no obligation to monitor, and refusing or deleting content does not mean we have reviewed anything else.

10. Our intellectual property

The Service and everything in it — including the software, source code, the Catalog and its structure, selection, arrangement, verification data, citations, and valuations, the Wallet Audit dossier format, the valuation model, the card illustrations, the design, the text, and the Bustan name, logo, and branding — is owned by Jasmine Entertainment FZE or licensed to us, and is protected by copyright, database, trademark, and other laws, including Federal Decree-Law No. 38 of 2021 on Copyright and Neighbouring Rights and Federal Decree-Law No. 36 of 2021 on Trademarks.

Individual facts about a bank's published benefits are not owned by anyone. Our compiled, verified, structured, cited, and valued database of them is our property, and represents substantial investment. Extracting or reusing it, in whole or in substantial part, is prohibited by Section 8 and may infringe our rights.

You may share your own Wallet Audit dossier and screenshots of the App with friends, on social media, and in ordinary personal conversation. You may not strip our branding from them, present them as your own work, or use them commercially.

11. Free tier, paid products, and what you get

11.1 Free tier

Without paying, you can add your cards and generate a Wallet Audit preview. The preview includes the headline verdict in broad value bands, the fee verdict for each selected card, and the highest estimated money leak with its citation and capture guidance. Exact aggregate values and all other benefit, leak, overlap, Ask, notification, mark-as-used, and re-audit details require Bustan Pro. The free tier is provided as-is and we may change or withdraw it at any time.

11.2 Bustan Pro — monthly or annual subscription

An auto-renewable subscription, available as either a monthly or annual plan, that unlocks the full Wallet Audit dossier, ongoing benefit tracking, expiry and fee-anniversary notifications, best-card and Ask answers, mark-as-used, re-audits against the current Catalog, and the monthly recap.

Neither plan includes a free trial. You are charged when you subscribe. The exact price, billing period, and renewal price shown by Apple before confirmation govern your purchase.

Your Bustan Pro entitlement is tied to your Apple ID and can be restored on your devices using Restore Purchases. Restoring access does not guarantee recovery of locally deleted data, although we attempt to reconnect the most recent server-held Wallet Audit to the restored Apple-backed Bustan identity.

11.3 What a paid product does not buy you

Paying us does not buy: accuracy; a guarantee that any benefit exists or will be honoured; delivery of any notification; a specific feature remaining available; the presence of any particular card in the Catalog; or any financial outcome, saving, or return. It buys access to the Service as it is, subject to these Terms.

11.4 We may change what is in each tier

We may add, change, or remove features, and move features between the free tier and Bustan Pro. If we materially reduce the features of a paid product you are currently paying for, we will give you notice under Section 1.5, and you may cancel through Apple.

12. Payment, auto-renewal, cancellation, and refunds

12.1 Apple is the seller

All purchases are made through Apple's In-App Purchase system. We do not process your payment, we never see your payment card details, and Apple — not us — is the party that charges you.

Your purchase is therefore also subject to the Apple Media Services Terms and Conditions and the terms of your Apple ID, which are between you and Apple.

12.2 Prices

Prices are set as Apple price tiers and displayed to you by the App Store in your storefront's currency, before you confirm, inclusive of any tax Apple collects (which for the UAE storefront includes 5% VAT where applicable).

The price shown to you at the point of purchase is the price that governs. Prices may vary by country and may change over time, and exchange rate movement can change what a tier renders as in AED. We may change prices for future purchases and future renewal periods; Apple will notify you of a subscription price increase and, where required, ask for your consent before renewing.

12.3 How auto-renewal works

For Bustan Pro:

• The subscription renews automatically for the same billing period you selected — monthly or annual — unless you cancel.
• Cancel at least 24 hours before the end of the current period, or you will be charged for the next one.
• Apple charges your Apple ID payment method within 24 hours before the current period ends.
• Cancelling stops the next renewal. It does not end the current period — you keep Pro until the period you already paid for expires.
• If Apple later displays a promotional offer, its price, duration, eligibility, and renewal terms are the ones shown on Apple's confirmation screen.

12.4 How to cancel

You cancel with Apple, not with us. We cannot cancel your subscription for you.

On your iPhone or iPad: Settings → your name → Subscriptions → Bustan → Cancel Subscription. You can also manage subscriptions in the App Store app, or at https://apps.apple.com/account/subscriptions.

Deleting the App does not cancel your subscription. You must cancel through Apple.

12.5 Refunds

We are not able to issue refunds for in-app purchases, because we never receive your payment. Refunds for App Store purchases are granted at Apple's discretion, under Apple's policy.

Request a refund from Apple at https://reportaproblem.apple.com, or through Settings → your name → Media & Purchases → View Account → Purchase History.

If you believe you have been charged in error, email support@getbustan.com. We will look into it and, where we think a refund is warranted, we will support your request to Apple — but the decision is Apple's, not ours.

12.6 Your statutory rights as a consumer

Nothing in this Section removes any right you have under Federal Law No. 15 of 2020 on Consumer Protection and Cabinet Resolution No. 66 of 2023 issuing its Executive Regulations, or under any other consumer protection law that applies to you and that cannot be excluded by agreement.

You should be aware of two things about how those rights apply here:

1. The 14-day cooling-off right for e-commerce purchases under the Executive Regulations does not extend to digital content that has already been accessed or downloaded. By generating and opening your Wallet Audit dossier, or by using a paid Bustan Pro feature, you are requesting immediate performance and accessing digital content, and the cooling-off right for that content is exhausted at that point.
2. Where a statutory right does apply and cannot be excluded, it applies regardless of anything in these Terms, and we will honour it.

12.7 No partial refunds on cancellation

Except where a statutory right or Apple's policy provides otherwise, we do not give refunds or credits for partly used subscription periods, for periods in which you did not use the Service, or because you changed your mind after accessing the content.

12.8 Failed payments

If Apple cannot charge your payment method, your entitlement may lapse. Apple handles retries and billing grace periods under its own policies. We restore access when Apple tells us the payment has succeeded.

13. Notifications, messages, and how we contact you

• Push notifications are optional. iOS will ask for permission; you can grant or deny it, and change your mind at any time in iOS Settings or in the App's notification settings.
• You can control which kinds of notification you receive (expiry, fee anniversary, monthly recap, database updates, win-back) and set quiet hours in the App.
• Service messages — for example notice of a material change to these Terms, a security issue, or something affecting your purchase — may be sent even if you have turned marketing-style notifications off, because we may need to reach you.
• If you contact our WhatsApp or phone support number, you consent to us communicating with you through that channel about your enquiry. Do not send card numbers, PINs, passwords, or identity documents through it. See the Privacy Policy for how support correspondence is handled.

14. Availability of the Service

We aim to keep Bustan running, but we do not promise that it will be available, uninterrupted, timely, secure, or error-free.

We may, at any time and without liability to you: perform maintenance; deploy changes; degrade, suspend, or withdraw any feature; impose usage limits; or suspend the Service entirely, including where necessary for security, legal compliance, cost control, or to prevent abuse. Where reasonably practicable and lawful, we will give notice of planned downtime.

Much of Bustan is designed to work offline from a cached copy of the Catalog on your device. Offline data is by definition older than the live Catalog, and Section 4 applies to it with even more force.

We depend on third parties — Apple, our hosting, database, push, payments, and analytics providers, and your network operator. Their outages will affect us and are outside our control.

15. Suspending or ending your access

15.1 You can leave whenever you like

Delete the App at any time. To delete your data, use Delete Account under You → Account, or email support@getbustan.com. See Section 16 and the Privacy Policy.

Remember: deleting the App does not cancel a Bustan Pro subscription. Cancel through Apple (Section 12.4).

15.2 We can suspend or terminate

We may suspend or terminate your access, immediately and without notice, if we reasonably believe you have breached these Terms — in particular Section 8 — or that your use creates legal, security, or reputational risk, or is fraudulent or abusive, or if we are required to do so by law.

Where the breach is minor and capable of being fixed, we will normally tell you and give you a chance to fix it first.

15.3 We can discontinue Bustan

We may discontinue the Service or any part of it. If we discontinue it entirely, we will give at least 30 days' notice where reasonably practicable, stop taking new subscriptions, and let existing paid periods run to their end or arrange a pro-rata refund through Apple where we reasonably can.

15.4 What survives

Termination ends your licence in Section 7 immediately. Sections 3, 4, 5, 8, 9.2, 9.4, 10, 12.5 to 12.7, 15.4, and 17 to 26 survive termination.

16. Your data

How we handle personal data is set out in full in the Privacy Policy at getbustan.com/privacy, which forms part of these Terms.

In summary: we collect the minimum we need; we never collect financial credentials; we process personal data in accordance with Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data and its implementing regulations as in force from time to time; and you can delete your data from within the App at any time, which cascades across our systems.

17. Third-party services and links

Bustan links to and depends on services we do not control, including issuers' websites and benefit terms documents, Apple, and our infrastructure providers. Links are provided for reference. We do not endorse, and are not responsible for, any third-party site, service, content, or practice, including its privacy practices. Your dealings with any third party are between you and them.

18. Security and reporting vulnerabilities

We use commercially reasonable technical and organisational measures to protect the Service. No system is perfectly secure and we cannot guarantee absolute security.

If you find a security vulnerability, please report it privately to support@getbustan.com before disclosing it anywhere else, and give us a reasonable opportunity to fix it. Do not access, modify, or delete data that is not yours, do not degrade the Service, and do not extract user data. We will not pursue legal action against researchers who follow this in good faith.

19. Disclaimers

To the fullest extent permitted by applicable law:

19.1 The Service, the Catalog, the Wallet Audit dossier, notifications, valuations, and all content are provided "as is" and "as available", with all faults.

19.2 We disclaim all warranties, conditions, representations, and terms of any kind, whether express, implied, statutory, or arising from a course of dealing or usage of trade, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, currency, quiet enjoyment, and non-infringement.

19.3 Without limiting the above, we do not warrant that: the Catalog is accurate, complete, or current; any benefit described exists, will exist, will be honoured, or will be available to you; any value estimate is correct; any notification will be delivered, delivered on time, or correct; the Service will be uninterrupted, secure, or error-free; defects will be corrected; or that the Service will meet your requirements or produce any particular result, saving, or financial outcome.

19.4 No advice or information, whether oral or written, obtained from us or through the Service, creates any warranty not expressly stated in these Terms.

19.5 Some jurisdictions do not allow the exclusion of certain warranties. If you are in one of them, some of the above may not apply to you, and any warranty that cannot lawfully be excluded is limited in duration and scope to the minimum permitted by that law.

20. Limitation of liability

Please read this Section carefully. It limits what you can recover from us.

20.1 Types of loss we exclude. To the fullest extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive loss, or for any:

• loss of profit, revenue, business, contract, opportunity, anticipated saving, or goodwill;
• loss of any benefit, perk, reward, point, mile, cashback, upgrade, or fee waiver, including where it expired, was refused, was withdrawn, or was never available in the first place;
• loss arising from a notification that was not sent, was late, was duplicated, or was wrong;
• loss arising from your reliance on the Catalog, a value estimate, a waste figure, or a Wallet Audit dossier, including a decision to keep, cancel, apply for, or use any card;
• annual fees, interest, profit charges, late fees, over-limit fees, foreign exchange costs, or other charges levied by your issuer;
• loss of data, or the cost of procuring substitute services;
• loss arising from any act, omission, decision, or refusal of any bank, issuer, network, benefit provider, venue, Apple, or other third party;

in each case whether or not we were advised of the possibility of that loss, and regardless of the legal theory.

20.2 Overall cap. To the fullest extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or relating to the Service or these Terms, in any twelve-month period, will not exceed the greater of:

• the total amount you actually paid us (or paid Apple for Bustan products) in the twelve months immediately before the event giving rise to the claim; and
• AED 500.

20.3 What we do not exclude. Nothing in these Terms excludes or limits our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation;
• gross negligence or wilful misconduct;
• any liability that cannot lawfully be excluded or limited under the laws of the United Arab Emirates, including under Article 296 of the Civil Transactions Law, or under any consumer protection law that applies to you.

20.4 Allocation of risk. You acknowledge that the price of Bustan reflects this allocation of risk, that these limits are a fundamental basis of the bargain between us, and that we would not provide the Service on these prices without them.

20.5 Your own responsibility. You remain solely responsible for your financial decisions, for verifying benefits with your issuer, and for keeping your own record of anything that matters to you.

21. Indemnity

You will indemnify and hold harmless Jasmine Entertainment FZE, its owner, officers, employees, and contractors against any claim, demand, loss, liability, damage, cost, and reasonable legal fees arising out of or in connection with: your breach of these Terms; your misuse of the Service; your User Content; your infringement of any third party's rights; or your breach of any law.

We will notify you of any such claim, give you a reasonable opportunity to take over its defence (subject to our right to participate with our own counsel), and not settle it without your consent, not to be unreasonably withheld. This Section does not apply to the extent the claim arises from our own gross negligence, wilful misconduct, or fraud.

22. Force majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including act of God, natural disaster, epidemic, war, terrorism, civil unrest, government action, change of law, sanctions, strike, failure of power or telecommunications, internet or cloud provider outage, cyber-attack, or the act or omission of any third party we depend on.

23. Governing law and disputes

23.1 Governing law

These Terms, and any dispute or claim arising out of or in connection with them or the Service — including non-contractual disputes and claims — are governed by the federal laws of the United Arab Emirates and, to the extent applicable, the laws of the Emirate of Sharjah, without regard to conflict-of-laws rules.

23.2 Talk to us first

Before starting any formal proceedings, please email support@getbustan.com with a description of the issue and what you want. We will respond within 30 days and try in good faith to resolve it. Most problems are resolved this way, faster and at no cost to either of us. This step is a requirement for us and a request of you — it does not stop you going to a court or consumer authority if you prefer.

23.3 Courts

Subject to Sections 23.4 and 23.5, the courts of the Emirate of Sharjah, United Arab Emirates have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Service.

23.4 Your consumer rights are preserved

If you are a consumer, nothing in Section 23.3 deprives you of:

• the protection of any mandatory provision of the consumer protection law of the country or emirate where you are habitually resident;
• your right to bring a complaint to the UAE Ministry of Economy and Tourism's consumer protection channels (including consumerrights.ae, the toll-free consumer protection line, and the Ministry app), or to the consumer protection department of your emirate; or
• your right to bring proceedings in the courts of your place of residence where the law gives you that right and it cannot be excluded by agreement.

23.5 Data protection complaints

Complaints about how we handle your personal data may be brought to the UAE Data Office irrespective of Section 23.3. See the Privacy Policy.

23.6 No class actions

To the extent permitted by applicable law, you and we each agree to bring claims only in an individual capacity, and not as a claimant or class member in any purported class, collective, or representative proceeding.

23.7 Time limit

To the extent permitted by applicable law, any claim arising out of or relating to these Terms or the Service must be brought within one year after the claim arises, or it is permanently barred.

24. Apple-specific terms

This Section applies because the App is licensed to you through the Apple App Store. It is required by Apple, and in the event of any conflict between this Section and the rest of these Terms, this Section governs as regards Apple.

1. These Terms are between you and us only, not with Apple. Apple is not a party to them. We, not Apple, are solely responsible for the App and its content.
2. Scope of licence. The licence in Section 7 is limited to a non-transferable licence to use the App on any Apple-branded product that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with you via Family Sharing or volume purchasing, where Apple makes that available.
3. Maintenance and support. We are solely responsible for providing any maintenance and support for the App. Apple has no obligation whatsoever to furnish any maintenance or support services. Contact us at support@getbustan.com.
4. Warranty. To the maximum extent permitted by applicable law, Apple has no warranty obligation with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are our sole responsibility.
5. Product claims. We, not Apple, are responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation, including in connection with the App's use of the HealthKit and HomeKit frameworks (which the App does not use).
6. Intellectual property claims. In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement, and discharge of that claim.
7. Legal compliance. You represent and warrant that (a) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
8. Developer name and address. Jasmine Entertainment FZE (trade licence 4422193.01), Sharjah Publishing City, Business Centre, Sharjah, United Arab Emirates. Support: support@getbustan.com, +971 50 749 3651.
9. Third-party beneficiary. You and we acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
10. Third-party terms. You must comply with any applicable third-party terms of agreement when using the App.

25. General

25.1 Entire agreement. These Terms, together with the documents in Section 1.4, are the entire agreement between you and us about the Service, and replace anything said or written before. You have not relied on any statement, promise, or representation not set out in them. Nothing in this clause limits liability for fraud or fraudulent misrepresentation.

25.2 Severability. If any provision is held invalid, illegal, or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or if that is not possible, severed. The rest of the Terms remain in full force.

25.3 No waiver. If we do not enforce a right, that is not a waiver of it, and does not prevent us enforcing it later. A waiver is only effective if given by us in writing.

25.4 Assignment. You may not assign or transfer these Terms or any right under them without our prior written consent. We may assign or transfer them, in whole or in part, to an affiliate or in connection with a merger, acquisition, reorganisation, or sale of assets, on notice to you. Your rights under these Terms will not be reduced by such a transfer.

25.5 No partnership or agency. Nothing in these Terms creates a partnership, joint venture, employment, franchise, or agency relationship between you and us.

25.6 Third parties. Except as stated in Section 24 (Apple) and Section 21 (persons indemnified), no one other than you and us has any right to enforce these Terms.

25.7 Notices. We may give you notice through the App, by push notification, by email if we have one for you, or by posting on getbustan.com. You give us notice by emailing support@getbustan.com. Notice is deemed received on the day it is sent, or the next business day if sent outside business hours in the UAE.

25.8 Language. These Terms are made in English, and the English version governs. If we publish a translation, it is provided for convenience only. If a UAE court or authority requires an Arabic version, the parties will produce one, and the English version will remain the reference for interpretation to the extent permitted by law.

25.9 Headings and interpretation. Headings and the summary box at the top are for convenience only and do not affect interpretation. "Including" means "including without limitation". References to a statute include that statute as amended, re-enacted, or replaced.

25.10 Cumulative remedies. Our rights and remedies under these Terms are cumulative and in addition to any right or remedy provided by law.

26. Questions

Bustan is a product of Jasmine Entertainment FZE. Bustan is not a bank and is not affiliated with any bank or card issuer.