Terms & Conditions

1. About these terms

These Terms and Conditions govern services provided by SKROOGE ACCOUNTING – L.L.C – S.P.C, Abu Dhabi, United Arab Emirates, economic license CN-5857424 (“Skrooge”, “we” or “us”), and use of our website at skrooge.ai, the Skrooge App (app.skrooge.ai), the Skrooge Bot on WhatsApp (+971 54 991 0620) and Telegram (@skrooge_ai_bot), the Skrooge Gmail connection and the Skrooge Chrome extension.

Your accepted proposal, service order or engagement agreement lists the services, fees and start date. If a signed agreement conflicts with these Terms, the signed agreement wins. Visiting our website does not make us your accountant and does not buy a service.

By using our website you accept the clauses that apply to website use (1, 6, 10, 11 and 12). The other clauses apply once you accept a proposal, service order or engagement agreement, click “I agree” when you register in the Skrooge App, or otherwise purchase a service.

You must be at least 18 and authorized to act for the business purchasing our services.

2. Our services and responsibilities

We provide the accounting, bookkeeping, tax and related services agreed with you, using the skill and care expected of a professional accounting firm. Using software or AI does not take away our responsibility for that work.

Only the services in your accepted package or agreement are covered. Extra work needs an agreement on scope and fees before it starts. Our work is made for you only; banks, investors or other third parties cannot rely on it without our written consent. Accounting and audit support is not a statutory audit or assurance engagement unless separately agreed with an authorized provider.

Skrooge is registered with the UAE Federal Tax Authority (FTA) as a Tax Agency (TAN 30023311). Unless we agree otherwise in writing, we prepare and submit tax filings in your name using the access you give us, and we do not act as your appointed Tax Agent. Where formal representation is required and we have agreed it with you, we can represent your business before the FTA on Corporate Tax matters through our registered Tax Agent. We are an independent firm and are not part of the FTA.

If we make an error in the work we agreed to do, we will fix it at our cost within a reasonable time. This does not remove any other remedy available under these Terms or the law. Our financial liability for any claim is limited by clause 9.

3. Your responsibilities

You must give us accurate and complete records, the necessary access and approvals on time, keep your contact details up to date, and pay fees and taxes when due. You stay responsible for your business decisions and for the information you provide.

We may rely on the information you give us while doing our agreed checks. If missing or inconsistent information puts a deadline at risk, we will let you know right away. We are not responsible for losses to the extent caused by inaccurate or late information or missing approvals, provided we have warned you and taken reasonable steps within our scope to reduce the impact.

We may ask for identification and business information needed for anti-money laundering and other compliance checks. We may decline, pause or stop work if continuing would be unlawful. In some cases the law stops us from telling you the reason for a delay, refusal or report, or from confirming that one has been made. Where that happens, we will tell you only what the law allows.

4. Fees and payment

Fees, billing periods, applicable taxes and the services included are listed in your accepted package or agreement. Unless we agree otherwise, invoices must be paid within 7 calendar days.

If fees depend on transaction volume, a transaction is one line on a bank statement, not counting bank charges. For payment gateways and marketplaces (for example Stripe, Amazon or Network International), every 10 lines count as one transaction. Your pricing tier is based on your monthly transaction count calculated this way. We may agree a different counting method with you in writing, and that method will then apply instead.

We review your tier against actual volume each billing period and adjust it up or down as needed. We will explain any change before we invoice it.

General price increases need at least 30 days’ written notice and will not change a fixed price already agreed for its committed period. You can cancel the affected service before the increase takes effect without a cancellation fee.

If you dispute an invoice, tell us quickly and pay the undisputed amount. If an undisputed amount is still unpaid seven days after its due date, we may suspend the affected services after a further seven days’ written notice. We will flag known filing deadlines that are at risk.

5. Your records and handover

You own the accounting records and the client-specific reports we prepare for you. If a dedicated accounting software account is set up for your business, you keep administrator access, subject to the software provider’s terms.

Our working papers, checklists, review notes, templates, models and software stay our property. They are not part of your records and are not included in a handover.

When the agreement ends, we will give you your available accounting records, reports and supporting schedules in usable formats and reasonable help with handing over to your new accountant. We will not keep your records or block access to your own accounting account because of a fee dispute.

You stay responsible for keeping your statutory records for the periods the law requires. For 30 days after the handover, you can ask us for a copy of anything we still hold. After that, we delete your data as described in our Privacy Policy, except data you allowed us to use under clause 6 and records the law requires us to keep.

6. Confidentiality and privacy

We keep your non-public business information confidential and use it only to provide the agreed services, to meet legal obligations and, with your permission, to improve Skrooge’s proprietary AI/ML systems as described below. Only personnel and service providers who need the information can access it, and they are bound by confidentiality duties. These duties last as long as the information stays confidential.

Using your data to improve Skrooge. You allow us to use the data you share with us, such as documents, transactions and messages, and our accountants’ decisions on it to train and improve the accuracy of Skrooge’s proprietary AI/ML systems, both while you are our client and after the agreement ends. These include models we build ourselves and models we build on top of open-source AI models. They run on our own infrastructure, belong only to Skrooge and are never shared with, sold or licensed to anyone else. Your data itself is never shown to other clients and is never used to train AI models owned or offered by other companies. Emails our Chrome extension reads from your Gmail are excluded. You can withdraw this permission at any time by emailing support@skrooge.ai. We will then stop using your data this way and will not keep it for this purpose after the agreement ends.

Your records may include personal data about other people, such as your staff and individual suppliers or customers. You confirm that you are allowed to share this data with us for the agreed services and for the purpose described above.

Our Privacy Policy explains how we handle personal data, including international transfers and the use of AI. Our Cookie Policy explains how we use cookies.

7. Third-party services

We may use third-party software or subcontractors to provide our services, and we stay responsible for the work we agreed to do. If we introduce an independent provider for you to hire directly, that provider’s own terms apply.

We cannot guarantee decisions made by banks, auditors, government bodies or tax authorities. A delay caused by a third party does not excuse us from providing reasonable professional care.

8. Cancellation and refunds

Unless your agreement says otherwise, either party may end the services on 30 days’ written notice, with no cancellation fee.

Either party may end the agreement for a material breach that is not fixed within 30 days after written notice. We may suspend or end the affected services right away if needed to stop unlawful activity or a serious security threat, and will tell you where the law allows.

You pay for services supplied up to the termination date and for approved non-recoverable third-party costs. We will refund unused prepaid recurring fees pro rata within 30 days of termination. For one-off work, any refund reflects the work already done and non-recoverable costs. Your rights regarding defective or undelivered work stay the same.

9. Limitation of liability

Where the law allows, Skrooge’s total liability under the relevant engagement is limited to the service fees you paid in the six months before you tell us about the claim, not counting VAT or third-party charges. For a one-off engagement, the limit is the service fee you paid for that engagement.

You must tell us about a claim within 12 months of learning about the circumstances that caused it, and in any case within 24 months of the work the claim is about. We are not responsible for claims notified after those times.

We are not liable for indirect or consequential losses, or for loss of profit, revenue, business or opportunity. This does not automatically remove liability for direct correction costs or penalties caused by our breach; those remain subject to the liability cap.

There is no limit on liability for fraud, gross negligence, willful misconduct or any liability the law says cannot be limited. If a different cap is agreed in a signed agreement, that cap takes priority.

10. Website and platform use

You must use our website and platform lawfully. You must not access accounts without permission, misuse credentials, introduce malicious code, disrupt systems or infringe intellectual property rights.

The content, software and branding on our website belong to us or our licensors. Search engine indexing, properly credited links and short excerpts from public pages are allowed. This does not permit access to private client data or bulk copying without permission.

Articles, calculators and other free tools give general information, not advice for your particular situation. They may contain mistakes or become out of date. These notes do not reduce our responsibilities for paid services.

11. General

If any part of these Terms is found to be unenforceable, it will be applied in the narrowest enforceable form, or removed if that is not possible. The rest of these Terms stay fully in effect.

These Terms, together with your accepted proposal, service order or engagement agreement and the policies linked in them, form the entire agreement between us on their subject matter and replace any earlier discussions or representations. Nothing in this paragraph limits liability for fraudulent misrepresentation.

These Terms may be published in English and Arabic. If there is any inconsistency between the versions, the English version prevails, except where applicable law requires otherwise.

We may publish updated Terms with a new effective date. We will email active clients at least 30 days before material changes take effect. Publishing updated Terms does not alter a signed engagement agreement; changes to a signed engagement must be made by written agreement between us.

12. Governing law and contact

Unless a signed engagement agreement provides otherwise, these Terms and the engagement are governed by the laws of the Dubai International Financial Centre (DIFC). The parties agree to the exclusive jurisdiction of the DIFC Courts, subject to any mandatory legal requirements.

For questions, notices or concerns, contact info@skrooge.ai or the notice address specified in your signed agreement.