19 September 2023

Terms of Use

These Terms of Use (“Terms”) read together with the Privacy Policy and all other additional terms and information, govern your access to and use of Paci’s website paci.ai (“Website”), Mobile Application (“App”), the products and services that we offer therein, all data, notifications and content (collectively, referred as the “Services”).

Please review these Terms carefully before using the Services or continuing to access the Website or the App to avail the services. The Terms, together with the Privacy Policy, constitute a binding legal agreement between You (also referred as “Your”, “User”) and Paci Fintech FZ LLC (also referred to as “Paci, “Company”, “Us”, “We”, “Our”).

By accepting the Terms and downloading and accessing the Website or the App to use the Services, you agree to be bound by and comply with these Terms. We may modify or change these Terms or alter any features of the Services at any time without any notice to you. The current version of these Terms can be viewed by clicking on the ‘Terms of Use’ link posted on the Website or App. You accept the Terms by using the Services, and any changes made to these Terms by continuing to use the Services after we post the changes.


  1. By downloading, accessing, installing, registering and/or using the App or Website, You acknowledge that the Terms will bind you for availing any of the Services offered by us. If you do not agree to any part of the Terms, please do not continue to use, access the Website or App, or avail the Services.

  2. If you are below the age of 18 years, please do not use the App or the Website. By accepting the Terms, registering and accessing the App or Website, You hereby represent and warrant that You are over the age of 18 years, and you have the legal right, authority and capacity to be bound by the Terms and avail the Services.

Use of Paci

  1. The Paci App can be downloaded and installed from the Google Play Store or Apple Store. If any terms and conditions are available on such stores, you must read and comply with them. However, the Terms provided herein would be applicable and govern your use and access to the App, and in case of any conflict, these Terms would prevail.

  2. To avail the Services through the App or Website, You must register by entering your valid email id and/or a phone number, as the case may be. We would verify your credentials before you can create your account. On verifying your email id/phone number, you would be required to provide certain personal information and/or sensitive personal information and other related information (“Information”).

  3. You agree to provide true, complete, and accurate information when You register on the App or Website to avail the Services. We take no responsibility for the authenticity or correctness of the personal information provided by the User.

  4. You represent not to upload or share any Information which is false, misleading, libellous, blasphemous, defamatory, pornographic, obscene, harassing, hateful, or contains graphic videos or images.

  5. You acknowledge that the Information You upload on the App or Website does not violate or infringe any third-party intellectual property rights or otherwise invasive of any other person’s privacy.

  6. You agree not to add or share any third person’s personal information, without their prior consent or approval.

  7. You agree to immediately notify the Company of any actual or suspected use of Your account. However, the Company shall not be responsible for such unauthorized use of Your account, and any loss of information or content caused to You or the Company, shall be solely your liability.

  8. We do not take any responsibility for any information you have shared with us, except to maintain reasonable security as per the Terms and Privacy Policy.

  9. You agree not to access the Services to monitor their performance, availability, or functionality or for any other benchmarking or competitive purposes.

General Restrictions on Use

Your use of the Services on the App or Website shall be subject to the following restrictions:
  1. You agree not to impersonate any person or falsely state or otherwise misrepresent your affiliation with any person.

  2. You shall not attempt to decode, reverse engineer, decompile, or extract the source code or other proprietary information of the App.

  3. You shall not abet or aid or attempt to, whether directly or indirectly, gain unauthorized access to Paci’s accounts, computer systems, servers, clouds, or networks connected thereto, through hacking, password mining or any other means.

  4. You are not authorized to frame, scrape, or mirror the Website, the App, materials or pages contained herein on any other website, web page, or server.

  5. You shall not use any automated systems to copy, access, acquire, or monitor any part of the Services offered herein.

  6. You agree not to carry out any unlawful, un-authorized or illegal activities on the Website or the App, that would cause damage, embarrassment, or adverse publicity to us or any third party.

  7. You shall not circumvent, decrypt, remove, reverse engineer, or otherwise interfere or alter with the usage rules or circumvent any digital rights management features associated with the Information, or alter, modify or remove any proprietary notices (including copyright notices), or any other technologies used to control the access to or use of the Information or its identifying information.

  8. You agree not to post any content that contains any hateful elements, racially or ethnically objectionable, unlawful or disparaging in any manner whatsoever.

  9. You shall not post, upload, display or share any content or information containing contains software viruses or other computer codes, files or programs designed to interrupt, destroy or limit the functionality of the App or our website or any page/features thereof.

  10. You shall ensure that no portion of the Information you upload, or your use of the App or Website violates any laws, rules, or regulations in force.

Intellectual Property

  1. The Website and App contain design, outline, layout, concept, look and feel, arrangement, functionalities script, styles, text, images, videos, audios, photos, illustrations, notifications, software, source code, object code, and all material or content that are part of the Services offered, which is the sole and exclusive property of the Company and all rights, titles and interests, including intellectual property rights therein belongs to the Company.

  2. All trademarks and domain names pertaining to Paci or any other trademark, tradename of the Company mentioned on the Website or the App, are the Company’s Intellectual Property or Licensed for the Company.

  3. The User acknowledges that all rights, titles and interests and intellectual property in any products or services of the Company, including the scanners at various locations or any products used while providing the Services to the User, is the sole and exclusive property of the Company and any intellectual property rights therein, including pending patents, copyrights or designs, belongs to the Company.

  4. The Company is the owner of any content uploaded on the App or Website and reserves the right to add, modify, alter, delete, or remove any content on the App or Website without any prior notice to you.

  5. Any intellectual property rights that are not expressly granted are unconditionally reserved with the Company.

  6. You may download and access the contents on the Website or App only on a temporary basis and solely for the purposes of viewing such information. You are not authorized to use, copy, disclose, modify, or reproduce the contents of the Website or App in any manner not specifically authorized by the Company. Any such unauthorized use for commercial purposes or otherwise by the User shall constitute a violation of the Company’s intellectual properties, and the Company reserves its rights to initiate all necessary legal remedies available under applicable laws accordingly.

Privacy Policy

All Information shared or disclosed by You while accessing, downloading or using the Website or App shall be governed by our Privacy Policy, which forms part of these Terms and is provided here.

Third Party Links

  1. The App or the Website may contain third-party links to websites, images, photos, content, and advertisements, that are not managed or controlled by us. We do not endorse or take any responsibility or liability, either directly or indirectly, in relation to your use or access to content, advertising, goods or services, or information made available on such third-party links.

  2. We recommend that You carefully read and understand the terms of use and privacy policies of these third-party websites/apps and the goods/services they offer.

Disclaimer of Warranties

  1. The content on the Website or the App, including Services offered therein is provided on an “as is” and “as available” basis, and the Company neither assumes any responsibility nor provides any representations or warranties of any kind, including but not limited to, implied warranties of non-infringement, quality, security, fitness for a particular purpose, accuracy, compatibility, timeliness, deletion, mis-delivery or failure to store any user information, communications, personalization settings.

  2. Some of the Services offered under the Website or the App relate to information pertaining to the User’s finances. The User acknowledges that the information or notifications provided is for information purposes only. The Services, including the information or notifications provided on the App is not meant to substitute any financial advice. The User agrees to indemnify the Company against all claims that may arise as a result of the User’s actions resulting from the User’s use of the information and the Services on the App or Website.

  3. It is hereby expressly clarified that, we make no representations or warranties, assurances or guarantees, whether express or implied, with respect to quality, accuracy or professional qualifications or expertise in relation to the Services offered to you or other information provided to you on the App or the Website. In no event shall we be responsible to you or anyone else for your decision or actions by relying on such information.

  4. We do not assume any responsibility or liability in relation to any inaccuracy in data or information recorded by the scanners or other products used by us to offer the Services in the App or Website.

  5. The Company does not guarantee to prevent unauthorized access if you lose your login credentials or the account is otherwise compromised.

  6. Your use of the App or Website is at your sole risk, and we do not assume any responsibility for any damage to your systems, devices, networks, or loss of data or content that results from the download or registration of the App or the use of the Website.

  7. You acknowledge and accept the usual risks that may arise while using the Internet. We do not assume any liability caused to You due to the loss or damage resulting from your access or use of the App or Website which may have been infected with malwares or viruses or which may have been maliciously corrupted.

  8. We do not recommend or endorse the information or content found in any Services and hence disclaim any liability with regard to the Services offered herein. You agree to waive any claims or disputes against us in relation to any claims or disputes that arise during your use of the Services, and to the extent that such waiver is not applicable, you agree to release all claims against us relating to the same.

  9. We take no liability or responsibility in relation to any injuries, losses, damage, expenses incurred by Users as a result of any disclosure made by us while offering the Services, where the User has expressly or implicitly consented to the same, by agreeing to avail the Services and by accepting the said Terms read along with the Privacy Policy.

  10. We disclaim all warranties, whether express or implied, specifically, we make no warranty that (i) this App or Website or the Services therein will meet your requirements, (ii) the accuracy or correctness of Your Information or other Users on the Website or App; (iii) the quality of the Services, including the information or notifications provided to the would meet the expectations of the User; (iv) any content posted, uploaded, shared, transmitted, or received by or on behalf of any User or other person on or through the Website (v) any user access will be uninterrupted, timely, secure or error-free; (vi) any errors or bugs in the App will be corrected; (vii) that the App is compatible with all networks or devices, (viii) any unauthorized access to or alteration of your transmissions or data (ix) security and privacy of your personal data and content, (x) to provide any updates or upgrades to the App and (xi) any other matter relating to the App/Website or the Service.

  11. You are solely responsible for the information or content you choose to provide and submit on the App or the Website. We disclaim all responsibility with respect to any such information or content provided to us. You hereby represent and warrant that you are fully entitled under law to upload the information or content uploaded by you as part of your profile or otherwise while using the Services, and no such content breaches any third party rights, including intellectual property rights or the right to privacy. We do not take any responsibility for any information or content. Upon becoming aware of a breach of the foregoing representation, we may modify or delete parts of your profile information at our discretion with or without notice.

Limitation of Liability

The Company shall not be liable for any direct, indirect, special, consequential, incidental, or exemplary damages, including but not limited to, damages for loss of profits, data, goodwill, use, or other intangible losses, that results from your use or inability to use the Website, App or the Services offered therein.


You agree to indemnify, defend and hold harmless the Company, its subsidiaries and affiliates and their employees, representatives, and agents, from any and all third party claims, damages, costs, losses, and liabilities, including reasonable attorneys’ fees, arising out of or due to your acts or omissions, including claims arising out of your breach or violation of the Terms or applicable laws.

Changes to the Terms

  1. From time to time, we may change, modify, or add to the Terms or the Services that we offer therein, without prior notice to You. You are required to occasionally revisit the Terms and update yourself accordingly. By continuing to use the App, Website or the Services therein, you agree to be bound by the amended Terms.

  2. We may, at our sole discretion, suspend the operation of App, Website, wholly or in parts, at any time, without any prior notice.

  3. While the App and website is currently available for free, the Services’ Terms of use may be amended such that the Services or the access to use the App or Website may be subject to certain charges.

  4. We reserve the right, at any time, to limit the availability of the services through App or Website or any other features therein to any geographic area or jurisdiction without any prior notice.


  1. The Terms and the interpretation of these terms are governed by and construed in accordance with the laws of, UAE. We retain all rights to bring any proceedings against you for the breach of these Terms in your country of residence or in any other relevant country or jurisdiction.

  2. Any dispute connected with the formation, performance, interpretation, nullification, termination or invalidation of these Terms or arising there from or related thereto in any manner whatsoever shall be referred to arbitration in accordance with the provisions set forth in the Rules of Commercial Conciliation and Arbitration of the Dubai Chamber of Commerce & Industry.

  3. You understand that no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship has been created between You and us or with any user or other person or entity.

  4. In case any one or more of the provisions contained in the Terms shall, for any reason, be held to be unenforceable, invalid or illegal, in any respect, such invalidity, illegality or unenforceability shall not affect the other provisions of these Terms, and the Terms shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein.

  5. No waiver by us of any breach or default by you hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. No waiver will be of any force or effect unless made in writing.

Contact Information

If the User has any queries concerning the App, Website, the Services, or these Terms, You may contact us at operations@paci.ai

The Terms of Use was last updated on 20-September-2023