Terms of Use

The full text

1. Safi is a tool for keeping a record of your own spending. It is not certified accounting software, and it does not give financial or tax advice.
2. The figures it shows are built entirely from what you enter. They are only as correct as your entries.
3. The app is provided as is, with no guarantee that it will run without interruption or without error.
4. The app is not intended for anyone under 16, and no account is created for anyone below that age.
5. You are responsible for keeping your own records. We keep no backup for you on our servers; the app provides a manual export, and taking it and keeping it safe is your responsibility.
6. This version of the app is free, with all its features: no in-app purchase and no subscription. The publisher reserves the right to introduce paid features or a subscription in a later version, to be set out in updated terms before it takes effect. If it does, it applies to the new features and to what comes after it; it does not lock or delete what you recorded before. In every case, what you have recorded stays open to you: to read, search, export and back up.
7. The app needs an account before it will open. One is created from your email address and a code sent to it, so the first launch needs a connection. You may delete your account from inside the app at any time, and it is erased from the server; your ledger on this device is erased with it, so export a copy first if you want to keep it.
8. Shared accounts depend on a service over the internet, so they may be unavailable or slow, and they are not guaranteed to stay reachable. What you record inside a shared account is visible to its members, and the account owner alone accepts or refuses requests. If the owner deletes their account, the shared account is deleted for all of its members. Your own ledger stays on your device and depends on none of it.
9. Linking with friends depends on a service over the internet, so it may be interrupted or a notice may arrive late. A notice reports what its sender recorded in their own ledger; it is not a demand or an acknowledgement of a debt, the app does not check that it is right, and the app is not a party to any dealing between you. You are responsible for what you send, so do not send anything abusive or harassing. Either of you may unlink at any time, which ends the link until a new code is used. You may report any abuse to us from inside the app or at support@mysafiapp.com; we will look into it as soon as we can and act as needed, including suspending the abusive account.
10. The «Grow» page is general education about investing: general lessons, an illustrative calculator, and a reading of your own figures from your ledger. It is not investment advice, and not a recommendation of any product, share or fund. The app receives no money, manages no investment, and carries out no activity that requires a licence from the Capital Market Authority. The calculator’s figures are illustrative assumptions, not a promised return; actual returns vary and can be negative. The decision to invest is yours alone, and nothing in the app replaces the opinion of an adviser licensed by the Capital Market Authority. Nothing on this page leaves your device.
11. The app (its name, its logo, its design, its text and its software) belongs to the publisher. You have a personal, non-exclusive, non-transferable licence to use it on your own devices. What you enter is yours; the publisher claims no right in it.
12. The publisher is not liable for indirect or consequential loss arising from your use of the app or from your being unable to use it, including lost profit, data lost where you kept no copy, or a financial decision taken on the strength of its figures. This does not affect rights of yours that cannot be excluded by law.
13. These terms are supplementary to the standard End User License Agreement that accompanies App Store apps; where the two conflict on licensing, warranty or limitation of liability, the standard agreement prevails.
14. These terms may be updated. A new version is shown inside the app before its effective date, and continuing to use the app after that date is acceptance of it. If you do not accept it, you may export your data and delete your account.
15. Publisher, and the party responsible for these documents: Bisher. Contact: support@mysafiapp.com.
16. These terms are governed by the laws of the Kingdom of Saudi Arabia, and the courts of Jeddah have jurisdiction, without prejudice to the mandatory consumer rights of your country of residence.
17. The Arabic text is the authoritative one and the English is a translation of it; where the two differ, the Arabic prevails.
18. Using the app means you accept the above.
19. Effective: 2026-10-25. Version: 1.7