Last updated: May 19th, 2026
Welcome to Dibba (“the Service”), a web and mobile application operated by Dibba.ai Technology (“we,” “us,” or “our”). The Service is offered from our office in Dubai, UAE. These Terms of Service (“Terms”) govern your access to and use of the Service. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Service immediately.
1.1 AI-Based Expense Tracking
Dibba is an AI-based application that helps you track expenses, income, and transactions by analyzing banking SMS that you voluntarily send to our backend. We leverage third-party AI models to classify and categorize your transactions to provide insights.
1.2 No Financial Advice
All recommendations or suggestions provided by the Service are for informational purposes only and do not constitute professional or financial advice. You must not rely on these insights to make financial decisions. We disclaim all liability for any financial losses or gains resulting from any decisions you make.
1.3 No Responsibility for Outcomes
You hereby acknowledge and agree that we are not responsible for any financial losses, gains, or other outcomes related to your use of the Service. Use at your own risk.
2.1 User Eligibility
You must be at least the age of majority in your jurisdiction (18 in most countries) and capable of forming a legally binding contract to use the Service.
2.2 Account Creation
To access certain features, you must create an account. You represent and warrant that the personal information you provide is accurate, complete, and current. You must not use fake information or impersonate any other person, company, or trademark.
2.3 Account Termination
We reserve the right to suspend or terminate your account with or without any reason, and without any prior notice. You can delete your account if you no longer wish to use the Service.
3.1 Free Trial Period
We may offer a free trial period for new users to evaluate the Service. We reserve the right to modify or end the free trial at any time.
3.2 Paid Subscription
Once the free trial ends, you may continue using the Service by subscribing to one of our paid plans. Subscription details, pricing, and payment terms are displayed within the Service or on our website.
3.3 Add-Ons
We may offer additional features or “add-ons” at an extra cost. Purchase of any add-on is optional, and the use of such add-on is subject to these Terms.
3.4 No Refund Policy
Except where required by law, all payments are non-refundable. You agree to review all pricing, payment, and subscription terms carefully before making a purchase.
4.1 Lawful Use
You agree to comply with all applicable laws and regulations. You may not use the Service in any manner that could harm the Service or any other person or entity.
4.2 Prohibited Activities
You must not:
5.1 Service Ownership
All content, features, and functionality made available through the Service, including but not limited to software, graphics, text, and brand elements, are the exclusive property of Dibba or our licensors. They may not be copied, reused, or redistributed without our explicit written consent.
5.2 User Content and Feedback
Any content, input, or feedback you provide (e.g., suggestions, ideas) may be used by us in any manner. By submitting such content, you waive all rights thereto and grant us a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, and otherwise exploit it for any purpose.
6.1 Personal Data
We respect your privacy. Your data will only be used for AI and analytics purposes to provide and improve the Service. It will never be transferred, sold, or gifted to third parties for marketing or other unrelated purposes.
6.2 Third-Party AI Models
The Service integrates third-party AI models for transaction analysis. While we take measures to protect data, you acknowledge and agree that your data may be processed by such third-party AI services, subject to their respective terms.
6.3 Compliance With Global Privacy Laws
Please refer to our Privacy Policy for further details on how we handle personal data.
The Service may contain links to third-party websites or services that are not controlled or operated by us. We have no control over the content, policies, or practices of any third-party websites and assume no responsibility for them.
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profit or revenues, whether incurred directly or indirectly. Your sole remedy for dissatisfaction with the Service is to stop using the Service and/or terminate your account.
You agree to indemnify, defend, and hold us harmless from and against all claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service or your violation of these Terms.
We reserve the right to change these Terms at any time. If we do, we will provide notice by updating the “Last Updated” date above. Your continued use of the Service following the posting of any changes indicates your acceptance of the new Terms.
12.1 Governing Law
These Terms are governed by the laws of Dubai and the United Arab Emirates without regard to conflict of law principles.
12.2 Dispute Resolution
Any dispute arising from or related to these Terms shall be resolved in the courts of the United Arab Emirates, unless otherwise required by the laws of your jurisdiction.
If you have any questions about these Terms, please contact us at:
Email: support@dibba.ai
The following additional terms apply to your use of the Service if you download, install, or use it through the Apple App Store (the "App Store Sourced Application"). To the extent of any conflict between these additional terms and the remainder of these Terms, these additional terms shall control with respect to the App Store Sourced Application.
15.1 Acknowledgement
You acknowledge that these Terms are concluded between you and Dibba.ai Technology only, and not with Apple Inc. ("Apple"). Apple is not responsible for the App Store Sourced Application or the contents thereof. Dibba.ai Technology, not Apple, is solely responsible for the App Store Sourced Application and the content thereof.
15.2 Scope of License
The license granted to you for the App Store Sourced Application is limited to a non-transferable license to use the App Store Sourced Application on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that such App Store Sourced Application may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
15.3 Maintenance and Support
Dibba.ai Technology is solely responsible for providing any maintenance and support services with respect to the App Store Sourced Application, as specified in these Terms, or as required under applicable law. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App Store Sourced Application.
15.4 Warranty
Dibba.ai Technology is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App Store Sourced Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App Store Sourced Application (if any) to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App Store Sourced Application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Dibba.ai Technology.
15.5 Product Claims
Dibba.ai Technology, not Apple, is responsible for addressing any claims by you or any third party relating to the App Store Sourced Application or your possession and/or use of the App Store Sourced Application, including, but not limited to: (i) product liability claims; (ii) any claim that the App Store Sourced Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with the App Store Sourced Application's use of the HealthKit and HomeKit frameworks (if applicable).
15.6 Intellectual Property Rights
You acknowledge that, in the event of any third-party claim that the App Store Sourced Application or your possession and use of the App Store Sourced Application infringes that third party's intellectual property rights, Dibba.ai Technology, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
15.7 Legal Compliance
You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
15.8 Developer Name and Address
For any questions, complaints, or claims with respect to the App Store Sourced Application, you may contact:
Dibba.ai Technology
Dubai, United Arab Emirates
Email: support@dibba.ai
15.9 Third-Party Terms of Agreement
You must comply with applicable third-party terms of agreement when using the App Store Sourced Application. For example, you must not be in violation of your wireless data service agreement when using the App Store Sourced Application.
15.10 Third-Party Beneficiary
You and Dibba.ai Technology acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms with respect to the App Store Sourced Application, 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 thereof.
By using Dibba, you acknowledge that you have read, understood, and agree to these Terms of Service.