Welcome to Masraf, a premier financial services platform dedicated to providing you with exceptional financial management and services. By accessing or using our platform, you agree to be bound by these Terms and Conditions (T&C). Please read them carefully.

1. Acceptance of Terms
By registering for and using Masraf, you accept and agree to these T&C and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Account Management
a. Eligibility: You must be at least 18 years old to use our services. By agreeing to these T&C, you represent and warrant that you meet this age requirement.

b. Account Security: You are responsible for maintaining the confidentiality of your account information, including your password, and for all activities that occur under your account.

3. User Obligations
You agree to use Masraf only for lawful purposes and in accordance with these T&C. You will not use the platform in any way that could damage, disable, overburden, or impair the platform or interfere with any other party’s use of the platform.

4. Privacy and Data Protection
Our Privacy Policy governs the collection, use, and sharing of personal information. By using Masraf, you consent to the data practices described in our Privacy Policy.

5. Intellectual Property Rights
All rights, title, and interest in and to the platform, including all intellectual property rights, are and will remain the exclusive property of Masraf and its licensors.

6. Limitations of Liability
Masraf will not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the platform.

7. Dispute Resolution
Any disputes arising out of or related to these T&C or the platform will be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

8. Modifications to Terms
Masraf reserves the right, at our discretion, to modify these T&C at any time. Your continued use of the platform after such changes have been notified will constitute your consent to those changes.

9. Contact Information
For any questions or concerns regarding these T&C, please contact us at [Your Contact Information].

By using Masraf, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.