Effective Date: May 13, 2026
These Terms of Service ("Terms") are a binding agreement between you ("you" or "User") and Sum of Technologies ("Sum of Technologies," "we," "us," or "our"), a company established in the Dubai International Financial Centre.
These Terms govern your access to and use of all mobile applications, web applications, websites, and related products operated by Sum of Technologies (collectively, the "Services"). Sum of Technologies operates as an umbrella entity for a portfolio of consumer applications. These Terms apply uniformly to every Service we offer, unless a specific application provides supplemental terms covering features unique to that application. Where supplemental terms conflict with these Terms, the supplemental terms control for that Service only.
By creating an account, downloading any Service, or otherwise using the Services, you agree to be bound by these Terms and by our Privacy Policy, available at https://sumoftech.com/privacy. If you do not agree, do not use the Services.
1. Eligibility
You must be at least 13 years old (or 16 in jurisdictions, such as parts of the EEA, where that is the minimum age for consent to information society services) to use the Services. If you are below the age of majority in your jurisdiction, you may use the Services only with the involvement and consent of a parent or legal guardian.
You may not use the Services if you are barred from doing so under the laws of the United Arab Emirates, your country of residence, or any other applicable jurisdiction, or if you are listed on any sanctions or denied-party list.
If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and "you" refers to both you and the organization.
2. Your Account
To access certain features, you may need to create an account. You agree to:
Provide accurate, current, and complete information;
Keep your credentials confidential and secure;
Promptly notify us at support@sumoftech.com of any unauthorized use or suspected breach;
Be responsible for all activity that occurs under your account.
We may suspend or terminate accounts that violate these Terms, contain false information, or are used in ways that we reasonably believe could harm us, other users, or third parties.
3. License to Use the Services
Subject to your compliance with these Terms, Sum of Technologies grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your personal, non-commercial use, on devices you own or control.
You may not:
Copy, modify, distribute, sell, lease, or sublicense any part of the Services;
Reverse-engineer, decompile, or attempt to extract source code, models, weights, or training data from the Services, except to the extent this restriction is prohibited by applicable law;
Use the Services to build, train, or improve any competing product, model, or dataset;
Scrape, crawl, harvest, or extract data from the Services by automated means without our prior written consent;
Remove, obscure, or alter any proprietary notices;
Use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party's use.
We may update, change, or discontinue the Services (or any part of them) at any time.
4. Subscriptions, Purchases, and Auto-Renewal
Some Services or features require a paid subscription or one-time purchase.
4.1 Billing
Purchases made through the Apple App Store or Google Play are processed by Apple or Google under their respective terms, and you authorize Apple or Google to charge the payment method on file. Purchases made through our website may be processed by our payment provider (e.g., Stripe).
4.2 Auto-Renewing Subscriptions
Subscriptions automatically renew at the end of each billing period (e.g., weekly, monthly, annually) at the then-current price until cancelled.
Renewal charge: Your account will be charged for renewal within 24 hours prior to the end of the current period, unless you cancel at least 24 hours before the end of the current period.
Managing or cancelling: You may manage or cancel your subscription in your Apple ID or Google Play account settings. Subscriptions purchased through our website may be managed via the account section of the relevant Service.
No partial refunds: Cancellation takes effect at the end of the current billing period. We do not offer refunds for the unused portion of any billing period, except where required by applicable law.
Free trials: If a free trial is offered, any unused portion of the free trial is forfeited when you purchase a subscription, where applicable.
Price changes: We may change subscription prices. We will notify you in advance, and the new price will apply on the next renewal after the notice period.
4.3 Refunds
Except where required by law, all purchases are final and non-refundable. Refund requests for purchases made via the Apple App Store or Google Play must be directed to Apple or Google.
4.4 Taxes
Stated prices may exclude applicable taxes, which you are responsible for paying.
5. User Content
5.1 Ownership
You retain ownership of any content you create, upload, or share through the Services ("User Content"). We do not claim ownership of your User Content.
5.2 License to Sum of Technologies
By submitting User Content to the Services, you grant Sum of Technologies a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to host, store, reproduce, modify, create derivative works of, adapt, publish, translate, distribute, publicly display, and perform such User Content solely for the purpose of operating, providing, improving, and promoting the Services. This license ends when you delete your User Content or your account, except (a) where User Content has been shared with others who have not deleted it, and (b) to the extent retention is required by law or for backup purposes for a limited period.
5.3 Your Representations
You represent and warrant that:
You own or have all necessary rights to the User Content you submit;
Your User Content does not infringe the rights of any third party (including intellectual property, privacy, or publicity rights);
Your User Content complies with these Terms and applicable law.
5.4 Removal
We may remove or restrict access to User Content that we reasonably believe violates these Terms, infringes third-party rights, or is otherwise harmful, without prior notice.
6. Acceptable Use
You agree not to use the Services to:
Violate any applicable law or regulation;
Infringe the intellectual property, privacy, publicity, or other rights of any person;
Upload, transmit, or share content that is unlawful, harassing, defamatory, hateful, threatening, sexually explicit involving minors, or that promotes violence, self-harm, or terrorism;
Impersonate any person or misrepresent your affiliation with any person or entity;
Transmit malware, viruses, or other harmful code;
Attempt to gain unauthorized access to any account, system, or network;
Use bots, scrapers, or other automated means to access the Services except as expressly permitted;
Sell, resell, or commercialize the Services or any output of the Services without our written consent;
Use the Services to develop, train, evaluate, or benchmark any artificial intelligence model that competes with Sum of Technologies' models or products.
We may investigate and take appropriate action against any violation, including removing content, suspending or terminating accounts, and reporting conduct to law enforcement.
7. Intellectual Property
The Services, including all software, models, designs, text, graphics, logos, trademarks, and other content (excluding User Content), are owned by Sum of Technologies or its licensors and are protected by intellectual property laws. Nothing in these Terms grants you any right or license to use any Sum of Technologies trademarks, logos, or trade names without our prior written consent.
Any output generated for you by the Services using your inputs and any User Content you provided is, as between you and us, owned by you, subject to (a) the license you grant us under Section 5.2, and (b) the rights of third parties whose content or models may have contributed to that output. You are responsible for ensuring your use of any output complies with applicable law and third-party rights.
Feedback
If you submit suggestions, ideas, or feedback about the Services, you grant Sum of Technologies an unrestricted, perpetual, irrevocable, royalty-free license to use them for any purpose, without obligation to you.
8. Third-Party Services
The Services may interoperate with or contain links to third-party services (e.g., payment processors, analytics, advertising networks, social sign-in, app stores). We are not responsible for third-party services, and your use of them is governed by their own terms and privacy policies.
9. AI-Generated Content
Certain Services use artificial intelligence and machine learning to generate output based on your inputs. You acknowledge that:
AI output may be inaccurate, incomplete, or unsuitable for any particular purpose;
You are responsible for evaluating and verifying AI output before relying on it;
AI output is not professional advice (medical, legal, financial, or otherwise);
Different users may receive similar or identical output from similar inputs, and we make no claim of uniqueness.
You must not use AI features of the Services to generate content that violates Section 6 (Acceptable Use), and we may apply additional restrictions, content filters, or rate limits at our discretion.
10. Termination
You may stop using the Services at any time and may delete your account through the relevant Service's settings or by contacting support@sumoftech.com.
We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms, applicable law, or that suspension is necessary to protect the Services or other users.
Upon termination:
Your right to use the Services ends immediately;
We may delete your account and User Content, subject to our backup and legal retention obligations;
Sections that by their nature should survive termination (including Sections 5.2, 7, 11, 12, 13, 14, 15, and 16) will survive.
11. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SUM OF TECHNOLOGIES DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL SUM OF TECHNOLOGIES, ITS AFFILIATES, OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE RELEVANT SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
These limitations apply regardless of the legal theory (contract, tort, statute, or otherwise) and even if any limited remedy fails of its essential purpose. Some jurisdictions do not allow these limitations, so some of the above may not apply to you. Nothing in these Terms limits liability for fraud, gross negligence, willful misconduct, or any other liability that cannot be limited under applicable law.
13. Indemnification
You agree to indemnify, defend, and hold harmless Sum of Technologies and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use of the Services; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any third-party right, including intellectual property or privacy rights.
We reserve the right to assume the exclusive defense of any matter subject to indemnification, at your expense.
14. Governing Law and Jurisdiction
These Terms and any dispute arising out of or in connection with them or the Services are governed by the laws of the Dubai International Financial Centre ("DIFC"), without regard to conflict-of-laws principles.
You and Sum of Technologies submit to the exclusive jurisdiction of the DIFC Courts for the resolution of any dispute arising out of or in connection with these Terms or the Services, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights.
If you are a consumer ordinarily resident in a jurisdiction whose mandatory consumer-protection laws provide you with greater rights than these Terms or DIFC law, those mandatory rights are not affected.
15. Apple App Store Additional Terms
If you obtained a Service from the Apple App Store, the following additional terms apply, and in the event of a conflict with the rest of these Terms, the following apply:
These Terms are between you and Sum of Technologies only, not with Apple Inc. ("Apple"). Apple is not responsible for the Service or its content.
Your license to use the Service is limited to use on Apple-branded products that you own or control, as permitted by the Apple Media Services Terms and Conditions.
Apple has no obligation to provide maintenance or support for the Service.
If the Service fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation, and Sum of Technologies (not Apple) is responsible for any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty.
Sum of Technologies (not Apple) is responsible for addressing any claims that the Service or your use of it (a) infringes third-party intellectual property rights, or (b) fails to comply with applicable law.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms with respect to your license of the Service, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you.
16. Google Play Additional Terms
If you obtained a Service from the Google Play store, your use is also subject to the Google Play Terms of Service. Sum of Technologies (not Google) is solely responsible for the Service and any claims relating to it.
17. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will notify you through the Services, by email, or by other reasonable means before the changes take effect. The "Last Updated" date at the top reflects the most recent revision. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.
18. Miscellaneous
Entire agreement: These Terms, together with the Privacy Policy and any supplemental terms for a specific Service, constitute the entire agreement between you and Sum of Technologies regarding the Services.
Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in full force.
No waiver: Our failure to enforce any provision is not a waiver of our right to do so later.
Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.
Force majeure: We are not liable for delays or failures resulting from events outside our reasonable control.
Notices: Notices to you may be sent to the email address associated with your account or posted within the Services. Notices to us must be sent to support@sumoftech.com.
Language: These Terms are written in English. Any translation is provided for convenience; the English version controls in the event of conflict.
19. Contact Us
If you have questions about these Terms, contact us at:
Sum of Technologies
Dubai International Financial Centre
Unit IH-00-VZ-01-FL-228, Level 1
Innovation Hub, Virtual Inventory
Dubai, United Arab Emirates
Website: https://sumoftech.com
General contact: support@sumoftech.com
Legal Contact
Daniel Carter
Legal Counsel, Sum of Technologies
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