Terms of Use

These terms govern your use of the Safqi platform as a merchant or store owner. Please read them carefully — by creating an account or using the platform you agree to them in full.

The Arabic text of these terms is the authoritative version. This English translation is provided for convenience; in case of conflict, the Arabic prevails.

1. Definitions

• Platform / Safqi: the online store creation and management service provided at safqi.com and its subdomains.
• Operator / we: [[COMPANY_NAME]], registered under number [[REGISTRATION_NO]], with its address at [[ADDRESS]].
• Merchant / you: the natural or legal person who owns the account.
• Store: the online storefront created for you on the platform.
• Buyer: the end customer who purchases from your store.
• Wallet: a non-cash internal balance in your account, used to pay for platform services.
• Plan: the chosen subscription package with its limits and features.

2. Acceptance and eligibility

By using the platform you confirm that you are 18 or older, have legal capacity to contract, and are authorised to represent the entity you register on behalf of. If you do not agree to any part of these terms, you may not use the platform.

3. Account and subdomain

3.1 Account creation

You must provide accurate, complete information at registration and keep it up to date. You alone are responsible for the confidentiality of your credentials and for all activity under your account, including the actions of staff you grant access to.

3.2 Subdomain

Your store is assigned a subdomain in the form your-store.safqi.com. The subdomain:

• must be between 3 and 63 characters, limited to lowercase Latin letters, digits and hyphens;
• may not be one of the names reserved by the platform (such as admin, billing, checkout, legal, terms, privacy, safqi);
• remains the property of the platform and is licensed to you for use while your account is active.

We may reclaim any subdomain used misleadingly, in breach of third-party rights, or in violation of these terms.

3.3 Custom domain

Connecting your own domain (yourstore.com) is available on the Max plan only. Registering and renewing that domain, and its costs, are your responsibility, not ours.

3.4 Users and permissions

The number of permitted users is set by your plan. A single user account may not be shared between multiple people to circumvent that limit.

4. Plans and pricing

All prices are in Iraqi Dinars (IQD) and include only what is set out below:

4.1 Annual subscription

An annual subscription costs the equivalent of ten months — two months free compared with paying monthly.

4.2 Monthly order limit

The order limit is counted per calendar month (first to last day of the month), not per billing cycle, and resets automatically at the start of each month. Unused orders do not carry over.

Once the limit is reached, new orders stop being created in your store — from the storefront, the admin panel and the point of sale alike — until the next month begins or you upgrade. We alert you at 80% of the limit and again when it is exhausted. To protect your store's reputation, the buyer is never shown anything about your subscription status; they see a neutral message inviting them to contact the store.

4.3 Price changes

We may change prices or plan contents on at least 30 days' notice. A change does not affect a period already paid for and applies from the next renewal. Continuing to use the platform after a change takes effect constitutes acceptance.

4.4 Limits and features

The features available on each plan are those set out in the table above and on the pricing page at the time of purchase. We make no commitment regarding any feature not expressly stated, and we may develop, modify or retire features on reasonable notice.

5. Trial period

There is no trial period on ordinary sign-up. Every new account starts on the Free plan with no time limit, and you may upgrade at any time.

The only two exceptions:

1. Sign-up via a referral invitation: you receive a 30-day trial of the paid plan.
2. Administrative grant: platform administration may exceptionally grant or extend a trial.

Paying for your first subscription ends any trial immediately; remaining trial days are not added on top of the paid period.

6. Payment and billing

6.1 Payment in advance

All subscriptions are paid in advance. A paid plan is activated only once payment is confirmed.

6.2 Payment methods

• Online gateways: bank card (APS), ZainCash, Qi Card. Activation is immediate once the gateway confirms the transaction.
• Manual transfer (where available): you upload the transfer receipt and the plan is activated after manual review by platform administration. Review may take time during business days.
• Wallet balance: you may pay for a subscription from your wallet.

6.3 No card storage

The platform does not store your bank card details. Every payment is made at the gateway directly; we receive only the result of the transaction and its reference.

6.4 Taxes and fees

Displayed prices exclude any taxes or government charges that may apply. Any fee your bank or wallet provider charges on a payment is borne by you.

7. Upgrade, downgrade and cancellation

7.1 Upgrade

Takes effect immediately. You are credited for the unused portion of your current period, calculated on a straight-line time basis against the plan's list price, and that credit is applied to the new plan. If the credit covers the new plan in full, it is activated with nothing to pay.

No proration credit is calculated where the plan was granted free of charge by administration, or where the two periods are in different currencies.

7.2 Downgrade

Nothing is charged today. The downgrade is scheduled to take effect at the end of your current paid period, and you keep the full benefits of your plan until then.

Automatic debit authorisation: by scheduling a downgrade to a paid plan, you expressly authorise us to debit the new plan's price from your wallet when the change date arrives, without seeking fresh approval. If the balance is insufficient, the plan changes and the period is left to expire without renewal. You may cancel a scheduled downgrade at any time before its date.

7.3 Switching between monthly and yearly

Switching billing cycles on the same plan is treated as a renewal: the new period is added to the end of the paid period, with no proration credit.

7.4 Cancellation

Cancellation takes effect at the end of the paid period, not immediately. You keep your plan and all its benefits until that date, after which the subscription becomes cancelled. You may reverse a cancellation while the paid period is still running.

Amounts paid for a period in progress are not refunded on cancellation. See the Refund & Cancellation Policy.

8. Subscription expiry

• Expiry is checked repeatedly throughout the day.
• There is no grace period after the expiry date, and no repeated automatic collection attempts.
• On expiry the subscription becomes "expired" (or "cancelled" if you had requested cancellation) and you are shown a renewal notice.
• Your data is retained and is not deleted merely because a subscription expired.
• Expiry alone does not automatically close your store, but we reserve the right to deactivate an account or store with an expired subscription under clause 15.

9. Wallet

The wallet is a non-cash internal balance used solely to pay for platform services.

9.1 Sources of balance

Top-up via online payment gateways, the monthly credit included with your plan, referral rewards, and administrative adjustments.

9.2 What it can be spent on

Subscriptions, paid apps, AI usage, and WhatsApp messages.

9.3 Top-up limits

Minimum per top-up 1,000, maximum 100,000,000. Top-up is available through online payment gateways only — a wallet cannot be funded by manual transfer, because that requires human review and produces no automatic result.

9.4 Nature of the balance

Wallet balance is not redeemable for cash, not withdrawable, not transferable to a bank account or to another merchant, and does not constitute a deposit or an electronic payment instrument. It does not expire while your account exists. On closure or termination of the account, any remaining balance lapses without compensation.

9.5 Monthly plan credit

Granted monthly for as long as the paid subscription runs. It is not granted as a single up-front sum, even on an annual subscription. It has no cash value and is not granted during a trial.

10. Referral programme

Every merchant has a referral code. The reward — 5,000 IQD — is paid to the code owner only (one-sided), once per referred merchant, when that merchant completes their first paid subscription.

Anyone creating fake accounts, referring themselves, or using misleading means forfeits the reward. We may withdraw any reward granted in that way and deactivate the accounts involved.

11. Metered services

Some services are billed on actual usage and debited from your wallet in real time.

11.1 Artificial intelligence

• Charged on the number of text units processed (input and output), and at a fixed price per generated image.
• A minimum balance is required before any operation runs; the operation is refused if the balance is insufficient.
• Every operation is recorded in a usage log you can review in the admin panel.
• Data from your store (products, orders, and customer data depending on the requested command) is sent to the model provider for processing. See the Privacy Policy.
• AI output is advisory and may contain errors; reviewing it before publishing or acting on it is your responsibility. Sensitive actions require your explicit confirmation.

11.2 WhatsApp messages

• Charged per message sent, covering verification messages, order status messages, broadcasts and membership expiry notices.
• Messages that fail or are skipped are neither counted nor charged.
• You can set a monthly and weekly message cap in settings; we notify you when it is exhausted.
• The service is delivered through an external provider under the Safqi brand.

11.3 Pricing changes

We may change metered-service pricing on prior notice. Changes apply to subsequent usage only.

12. Store payments and settlement

This is one of the most important clauses of this agreement. Please read it carefully.

12.1 Our capacity

When a buyer pays online in your store (bank card or e-wallet), the transaction is processed through the platform's own accounts with the payment gateways, not an account in your name. We therefore receive the funds as a collection agent on your behalf.

Collected amounts belong to you and are held for your account until settlement. The sale is a contract between you and the buyer; we are not a party to it.

12.2 Settlement

• Your collected amounts appear in the admin panel under "Payouts": held until the order is delivered, then available for withdrawal.
• We remit the net collected amounts to you within [[SETTLEMENT_DAYS]], on the agreed cycle and by the agreed method, or when you request a withdrawal from the admin panel.
• Before remittance we deduct: [[PLATFORM_FEE]], payment gateway fees, any amounts you owe us, and any refunded or disputed amounts.
• Shipping charges paid by the buyer as part of an order are not included in the amounts remitted to you; they are used to pay the courier.
• Remittance is made to an account in your own name; providing and maintaining accurate account details is your responsibility.

12.3 Cost of transferring funds to you

The cost of transferring funds to your account is borne by you, not by us. Any fee charged by the bank or e-wallet on the transfer is deducted from the amount transferred, so you may receive slightly less than the amount you requested.

Example: if you request a withdrawal of 5,000,000 IQD and the transfer costs 500 IQD, your balance is debited 5,000,000 and 4,999,500 reaches your account.

Each payout record shows the requested amount, the actual transfer cost, and the amount you received. This cost varies by method (ZainCash, Super Qi, bank transfer) and by the provider's own tariff, and is outside our control.

12.4 Cash on delivery

Cash-on-delivery amounts never pass through us — they are collected by the courier or shipping company and remitted to you under your agreement with them. We bear no responsibility for them.

12.5 Refunds and disputes

• Refunding the buyer is your responsibility as the seller, in line with your published policy and Iraqi law.
• Any amount refunded to a buyer, or charged to us by a payment gateway as a result of a dispute or chargeback, is deducted from you — from unsettled amounts, from your wallet, or by direct claim.
• Refund execution at some gateways is manual and is not performed automatically from the admin panel; you must contact support to request it.

12.6 Withholding and suspension

We may withhold remittance in whole or in part, or suspend it, in any of the following cases: reasonable suspicion of fraud or money laundering; an unusual rise in dispute or refund rates; breach of the Acceptable Use Policy; a request from a competent authority or from the payment gateway; or doubt as to the accuracy of your account details. We will notify you of the withholding and its reason unless prevented by law.

12.7 Your responsibility for sales

You are the seller vis-à-vis the buyer and bear sole responsibility for: the accuracy of prices and specifications, stock availability, fulfilling and delivering the order, invoices and taxes due on your sales, and after-sales service.

13. Your obligations

You undertake to:

• offer lawful goods and services under applicable Iraqi law, and to comply with the Acceptable Use Policy;
• publish accurate, non-misleading prices, specifications and policies;
• publish clear returns, exchange and shipping policies and working contact details in your store. (Default pages are created for you when your store is created; reviewing and adapting them to your actual business is your responsibility.);
• respect third-party intellectual property in everything you upload;
• handle your buyers' data in accordance with the law and the Privacy Policy, and not use it for anything other than completing the sale and serving the customer;
• obtain customer consent before sending them marketing broadcasts;
• not use the platform to circumvent the law or plan limits.

14. Intellectual property

14.1 Your content

Your store's content — your brand, products, images, text and customer data — belongs to you. You grant us a non-exclusive, non-transferable licence, for the sole purpose of operating the service, to host, store, back up, reproduce, display, process and deliver it. That licence ends when the content is deleted or the account terminated, save for backups until their cycle expires.

14.2 The platform

The platform, its software, interfaces, designs and trade marks belong to us or our licensors. This agreement grants you only a limited, non-exclusive, revocable right of use for the duration of your subscription. Copying, modifying, reverse-engineering, reselling, leasing or creating derivative works from the platform is prohibited.

14.3 Watermark

A reference to Safqi may appear in your store on plans that do not include its removal.

15. Apps and themes

• The platform offers a marketplace of apps and themes, some developed by us and some by independent developers.
• Third-party apps and themes are provided "as is"; responsibility for their performance, security and maintenance rests with their developer. We do not warrant them and are not liable for any damage arising from them; you install them at your own risk.
• Developer-submitted themes undergo review before publication; review is a precautionary measure and does not amount to a warranty.
• A paid app is purchased once, debited from the wallet, and is non-refundable.
• Some apps are essential to running the store and cannot be removed.
• We may suspend or remove any app or theme that breaches our policies or threatens the platform's security or data.

16. Service level and support

We use reasonable care to keep the platform available around the clock, without warranting uninterrupted operation. Service may be interrupted for scheduled or emergency maintenance, or for reasons beyond our control (loss of connectivity or power, failures at hosting providers or payment gateways, force majeure).

Technical support is available through the published channels. Priority support is available on the Max plan only.

17. Suspension and termination

17.1 Termination by you

You may cancel your subscription at any time under clause 7.4, or request permanent closure of your account through support.

17.2 Suspension by us

We may suspend or terminate your account or store, in whole or in part, and without prior notice where necessary, in the following cases:

• breach of these terms or of the Acceptable Use Policy;
• selling goods or services prohibited by law;
• fraud, suspicious activity, or harm to the platform's security or its users' data;
• non-payment of amounts due to us despite notice;
• an order from a competent judicial or administrative authority.

For a remediable breach we will notify you and allow a reasonable cure period before suspension, unless the breach is serious or presents an imminent risk.

17.3 Effect of termination

Your right to use the platform ends immediately, any wallet balance lapses, and amounts paid are not refunded. We allow a reasonable window to request a copy of your data, unless termination was due to unlawful activity. After that window we may delete the data in line with the retention policy in the Privacy Policy.

18. Disclaimer of warranties

The platform is provided "as is" and "as available". To the extent permitted by law, we disclaim any express or implied warranty as to fitness for a particular purpose, freedom from error or interruption, the accuracy of any analytics data or AI output, or your achieving any level of sales or profit.

19. Limitation of liability

To the extent permitted by law:

• We are not liable for any indirect or consequential loss, nor for loss of profit, business, reputation, opportunity or data.
• We are not liable for any dispute between you and your buyer, supplier, shipping company or any external developer.
• We are not liable for loss arising from your failure to protect your credentials, or from content you published.
• Our total liability to you, on any basis, is limited to the amounts you actually paid the platform in the three months preceding the event giving rise to the claim.

Nothing in this clause excludes liability that Iraqi law does not permit to be excluded, such as for fraud, deceit or personal injury.

20. Indemnity

You agree to indemnify and defend us against any claim, action or penalty arising from: your breach of these terms or of the law, your content, your goods and services, your dispute with a buyer, or your handling of your customers' data.

21. Confidentiality

Each party undertakes to keep confidential any non-public information it receives about the other, and not to disclose it except as needed to deliver the service or as required by law.

22. Changes to these terms

We may amend these terms. We publish the updated version on this page with its version number and effective date, and notify you of material changes a reasonable time before they take effect. Continuing to use the platform after a change takes effect constitutes acceptance. If you do not agree, your remedy is to terminate under clause 17.1.

23. Assignment

You may not assign your rights or obligations under these terms without our written consent. We may assign them in a merger, acquisition or sale of assets, on notice to you.

24. General

• Severability: the invalidity of any clause does not affect the validity of the remainder.
• No implied waiver: our forbearance in enforcing a right is not a waiver of it.
• Entire agreement: these terms, together with the Privacy Policy, the Refund & Cancellation Policy and the Acceptable Use Policy, constitute the entire agreement between us.
• Notices: notices are sent to your registered email or through the admin panel and are effective from the date of sending.
• Language: the Arabic text is the authoritative reference; any other translation is for convenience only, and the Arabic prevails in case of conflict.

25. Governing law and jurisdiction

These terms are governed by and construed in accordance with the laws of the Republic of Iraq. محاكم بغداد / الرصافة shall have jurisdiction over any dispute arising from them, after an attempt at amicable settlement within 30 days of written notice.

26. Contact

• Email: [[SUPPORT_EMAIL]]
• Phone: [[SUPPORT_PHONE]]
• Address: [[ADDRESS]]