Terms of Service

1. Agreement

These Terms of Service (“Terms”) govern your access to this website and any digital products or SaaS services offered by moaad (“we”, “us”, “our”). By creating an account, purchasing a subscription, or using our services, you agree to these Terms. If you do not agree, do not use our services.

2. Who we are

moaad operates as an individual sole trader based in Libya. We provide commercial digital SaaS and related software delivered online. For legal notices and support, contact moaadb3@gmail.com.

3. Eligibility

You must be at least the age of majority in your jurisdiction (typically 18+) to enter into a binding contract with us. If you use our services on behalf of an organisation, you represent that you have authority to bind that organisation.

4. Services

We provide digital services (including cloud-hosted software, subscriptions, and related features) as described at checkout, in-product, or in separate product documentation. Our offerings include products such as Phonely (phonely.net), a SaaS for calls over VoIP. We may update features, impose reasonable usage limits, or discontinue non-material functionality with notice where appropriate.

Which contract applies. For each purchase or subscription, the seller named at checkout, on your payment receipt, and in order or renewal emails is the business you contract with for that transaction, unless we clearly identify a different seller. Where that seller is moaad, these Terms apply together with any product-specific or checkout terms presented at purchase (if there is a conflict on a specific point, the terms most specific to that purchase prevail).

5. Accounts

You are responsible for safeguarding login credentials and for activity under your account. Notify us promptly at moaadb3@gmail.com if you suspect unauthorised access.

6. Fees, billing & subscriptions

• Paid plans are billed according to the price and billing interval shown at checkout (e.g. monthly or annual).
• Renewals: Unless stated otherwise, subscriptions renew automatically until cancelled.
• Cancellation: You may cancel renewal through the account or billing tools we provide, or by emailing support. If you cancel by email, send your request at least three (3) business days before the renewal charge date so we can process it in time; shorter notice may still result in a renewal if processing or time zones do not allow a stop before the charge.
• Failed payments: We may suspend or downgrade access if payment fails until the balance is resolved.

7. Refunds & consumer rights

Mandatory law first. If you are a consumer in the European Economic Area, the United Kingdom, or another jurisdiction with non-waivable consumer rules, those rules may give you rights (including withdrawal or cooling-off rights for certain digital purchases) that prevail over conflicting language in these Terms.

Refund eligibility otherwise depends on what you purchased, how it was delivered, and the law that applies to you. The following is our operating policy where the law does not require a different outcome:

• Subscription renewals: Fees for a billing period that has already started are generally not refundable; you can avoid future charges by cancelling before the next renewal (see section 6).
• Mistaken, duplicate, or unauthorised charges: Email moaadb3@gmail.com within sixty (60) days of the charge with your account email, transaction or invoice reference, and a short description. We investigate good-faith claims and correct substantiated billing errors.
• Annual or longer prepaid plans: Unless required by law or expressly offered at checkout, we do not guarantee pro-rata or partial refunds for unused time after a period has begun.

To request a refund or raise a billing dispute, email moaadb3@gmail.com with your account email, transaction reference, and a short description. We aim to respond within a reasonable time.

Nothing in these Terms limits statutory rights you may have as a consumer (including, where applicable, rights relating to digital content or withdrawal periods).

8. Acceptable use

You agree not to:

• Use our services unlawfully, to harm others, or to violate third-party rights;
• Probe, disrupt, or circumvent security or rate limits (except authorised security research agreed in writing);
• Upload malware, scrape our systems without permission, or overload our infrastructure;
• Resell or redistribute our services except as expressly permitted in writing.

We may suspend or terminate access for violations or for risk/fraud prevention.

9. Intellectual property

We retain all rights in our software, branding, and content except as expressly granted to you. Subject to payment and these Terms, we grant you a limited, non-exclusive, non-transferable licence to use the service for your internal or personal business purposes during your subscription.

10. Third-party services

Our services may integrate with third-party tools. Their terms and privacy policies apply to your use of those tools.

11. Cryptocurrency payments

Paid plans and renewals are settled in cryptocurrency as shown at checkout or agreed in writing. We accept USDT (Tether) and Binance Coin (BNB), and other Binance-ecosystem coins we explicitly list for a given product or invoice. You are responsible for using the correct asset, network, and deposit address; sending the wrong token or chain can result in irrecoverable loss. Blockchain transfers are generally irreversible; access to paid features may depend on confirmed settlement on the agreed network. If you do not recognise a debit from your wallet, check your transaction history and email confirmation, then contact us with the transaction id before treating it as unauthorised. We do not store your wallet private keys or seed phrases.

12. Disclaimers

Except where prohibited by law, our services are provided “as is” and “as available”. We disclaim implied warranties such as merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted.

13. Limitation of liability

To the fullest extent permitted by applicable law: (a) we are not liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, data, or goodwill; and (b) our aggregate liability arising out of these Terms or the services for any claim is limited to the greater of the fees you paid us for the service in the three (3) months before the event giving rise to the claim or fifty euros (€50). Some jurisdictions do not allow certain limitations; in those cases our liability is limited to the minimum permitted by law.

14. Indemnity

You will defend and indemnify moaad against third-party claims arising from your misuse of the services, your content, or your breach of these Terms, except to the extent caused by our wilful misconduct.

15. Governing law & disputes

These Terms are governed by the laws of Libya, excluding conflict-of-law rules, without prejudice to any mandatory consumer protections that require a different governing law or court for consumers in your country.

Courts located in Libya shall have jurisdiction over disputes, subject to any mandatory consumer protections that give you the right to sue in your home jurisdiction (including, where applicable, in the EEA or UK).

Legal notice: choice of law and forum may be restricted for consumers in certain countries; nothing here limits non-waivable rights.

16. Changes

We may update these Terms by posting a new effective date. Where changes are material, we will provide reasonable notice (for example by email or in-product notice). Continued use after the effective date constitutes acceptance unless applicable law requires otherwise.

17. Contact

moaadb3@gmail.com