JiffyBook UAE Terms and Policies

This policy framework governs the access and use of the JiffyBook software application within the United Arab Emirates (UAE). These terms incorporate mandatory compliance requirements under Federal Decree-Law No. 14 of 2023 on Trading through Modern Technological Means, Federal Law No. 15 of 2020 on Consumer Protection (as amended by Federal Decree-Law No. 5 of 2023), and Federal Decree-Law No. 45 of 2021 regarding the Protection of Personal Data (PDPL).

Date: This terms and policies document was last updated on Dec 25, 2025 and is effective immediately.

A. Introduction

A-01. General

1. JiffyBook (hereafter also referred to as the Platform) is an internet-based software application for e-commerce, provided through:

1. Domains including jiffybook.eu, jiffybook.app, jiffynexus.com, and their subdomains.
2. Google Play Store and Apple App Store.

2. Platform Functionality:

1. The Platform enables a Business (hereafter also referred to as the user or you based on the context) to receive, process and manage orders, publish promotions and drive a rewards program for its Members.
2. The mobile app enables an end-consumer (hereafter also referred to as the Member, user, or you based on the context) to order products or services from a Business as a Member of the Business’s rewards program.

3. Corporate Structure:

1. The Platform is developed by inDreamer OÜ (hereafter also referred to as inDreamer, we, our, or us based on the context), a company incorporated in Estonia.
2. Aurzan Fashion FZE LLC (Address: 26th Floor, Amber Gem Tower, Ajman, UAE), established in the ANC Free Zone, Ajman, serves as the Authorized Representative and legal distributor in the UAE.4
3. Aurzan Fashion FZE LLC assumes all legal responsibilities in the UAE for the Platform distribution and compliance under Activity Code 620204ANC (Blockchain, AI, Crypto, Gaming).
4. inDreamer OÜ remains strictly a technology provider and does not participate in logistics or direct interactions between Businesses and their Members.

B. Terms of Use

B-01. General Provisions

1. Acceptance: When installing, accessing, or using the Platform, you shall be prompted to provide a clear affirmative action to agree with the terms and policies. Acceptance establishes a contractual basis under the Electronic Transactions and Trust Services Law.6
2. Amendment of terms: The Platform shall provide a 30-day notice period for any material changes. Material changes require a new "clear affirmative action" of acceptance from the user.
3. Language: In compliance with Article 8 of Federal Law No. 15 of 2020, for all terms, invoices, metadata labels, AI-generated design descriptions and mandatory disclosures, while an English version may be provided for convenience, the Arabic version is legally binding and shall prevail in the event of any linguistic dispute.1
4. Interface Accessibility: While the Platform interface adapts to device language settings, all mandatory disclosures and binding contract terms remain accessible in Arabic at any time to satisfy the consumer's right to correct information.1
5. Age Restriction: You must be at least 18 years old to use the Platform. Users under 18 require verifiable parental/guardian consent.
6. Governing Law: These terms are governed by the Federal Laws of the UAE. Disputes are subject to the jurisdiction of the UAE Courts, with a seat in Ajman, without prejudice to the consumer's right to access the court system for claims under AED 50,000. In accordance with Federal Decree-Law No. 14 of 2023, for claims under AED 50,000, mandatory arbitration clauses are void. Consumers retain the right to access the Ministry of Economy’s Dispute Resolution Committee or the UAE courts directly.2

B-02. User Registration

1. Registration Requirements: To use the Platform, you must register by providing a valid email address and your profile details (location, name, and phone number).
2. Data Accuracy: You must provide true, accurate, and complete information. Registration data is verified via email; however, the Platform relies on the User's duty of authenticity for other personal details.
3. Email Change: If you want to change your email address, you must register as a new user. Data from your previous account will not be transferred.

B-03. Business Registration

1. Mandatory Licensing & Registration: Businesses must possess a valid UAE trade license.
2. Mu'lin Permit: Businesses publishing promotional content via the Platform must possess a valid Mu'lin Advertiser Permit from the UAE Media Council.11 Businesses must provide their permit number during registration. The Platform reserves the right to disable promotional features for any non-compliant Business.
3. Tax Compliance: Businesses must also provide their UAE Tax Registration Number (TRN) to ensure the issuance of compliant digital invoices.
4. Mandatory Business Undertaking and Disclosures:

1. Product Accuracy: Businesses must digitally accept an undertaking confirming that all descriptions and AI-prompted categories accurately reflect the physical products.
2. Statutory Seller Details Display: The Business provides consent and grants the Platform the right to prominently display the following verifiable seller details at the pre-purchase stage for all consumers:1

1. The Business's legal name and trade license details;
2. Its principal geographic address;
3. Customer care contact number.

3. Pre-Purchase Disclosures: For every product or service listed, the following information is displayed prominently to the Member prior to purchase:8

1. Total Price Breakdown: The total price in a single figure, along with a breakup showing all compulsory and voluntary charges, including delivery fees, taxes, conveyance charges, and applicable statutory levies.
2. Country of Origin (CoO): The Country of Origin for the products (preceded by the phrase 'Made in') shall be displayed prominently to enable informed decision-making.

B-04. Bookings and Orders

1. Announced Specifications: The AI-generated digital preview presented to the Member at checkout is a binding part of the digital contract. Businesses are legally obligated to deliver products matching these announced specifications.2 Any significant deviation entitles the Member to statutory remedies under Law No. 15 of 2020.1
2. Cancellation: Cancellation is free until the booking or order is confirmed by the Business.
3. Quality Standards: The Platform reserves the right to disable Businesses that consistently violate these terms or fail to meet the quality standards.

B-05. Content Standards and Prohibitions

1. You must not use the Platform to generate or use content that is:

1. grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, or libellous;
2. invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging;
3. relating or encouraging money laundering or gambling;
4. otherwise unlawful in any manner whatever, or infringes any patent, trademark, copyright or other proprietary right;
5. violating public morals or prejudices children, the disabled, or the elderly;
6. offending Islamic beliefs or monotheistic religions;13
7. depicting UAE national symbols, political figures, or national emblems without prior official approval;13
8. spreading misinformation, fake news, or undermines national unity and social cohesion.13

B-06. Disclaimer of Warranties / Limitation of Liability

1. Statutory Fallback Liability: While logistical fulfillment is the primary responsibility of the Business, the Platform acknowledges its "Fallback Liability" under Article 13 of Federal Decree-Law No. 14 of 2023 for the digital integrity and accuracy of the AI-generated design specifications.2 As the Platform engineers the prompts used for AI-generated designs, it accepts responsibility for the accuracy of the digital preview as a binding part of the digital contract.

B-07. Loyalty Program and Reward Points

1. Restricted Redemption: Reward points can only be redeemed for purchases from the same Business that issued them.
2. Non-Monetary Status: Reward points have no cash value, are non-transferable, and do not function as a stored value facility.16
3. Incentivized Reviews: Any rating provided in exchange for reward points shall be marked as an "Incentivized Review" to maintain transparency.11

B-08. Grievance Redressal

1. As an e-commerce entity operating in UAE, the Platform has established the following grievance redressal mechanism:

1. Complaint Tracking: Any complaint lodged through the designated grievance channels will be assigned a unique ticket number.
2. Timeline: The Platform (via Aurzan Fashion FZE LLC) shall provide an initial acknowledgment within 24 hours and a resolution roadmap within 72 hours.
3. Small Claims Access: For transactions under AED 50,000, mandatory arbitration clauses are void. Consumers have the right to access the Ministry of Economy's Dispute Resolution Committee or UAE courts directly.9

B-09. AI-Generated Designs and Intellectual Property

1. This section governs IP related to designs generated using Artificial Intelligence (AI) tools provided or integrated within the Platform.
2. IP Rights of the AI-Generated Designs:

1. The AI-Generated Design is created from the prompts engineered by the Platform, based on labels selected by the User from a pre-defined menu provided by the Platform, thus relieving the User from the necessity of brainstorming to engineer a prompt for the AI model. In accordance with UAE Federal Decree-Law No. 38 of 2021, these designs are generally not eligible for copyright protection due to the absence of significant human contribution.17 The User hereby grants the Platform perpetual, irrevocable, royalty-free, and sub-licensable rights to use the AI-Generated Design immediately upon creation.
2. Commercial promotion using AI-generated images requires a Mu'lin permit as per UAE Media Council regulations.11
3. Catalog Consent: The User consents to the AI-Generated outputs based on their tag selection being added to the Business's shared catalog.

3. Synthetic Information Labeling:

1. To comply with 2025 Media Council standards, all AI-generated designs and banners will feature a visible 'AI-Generated' label and embed C2PA metadata markers for content provenance.18

B-10. Google Cloud Infrastructure Flow-Down Terms

1. As the Platform relies on Google Cloud services, you must adhere to the following mandatory flow-down terms and restrictions:

1. Acceptable Use Policy (AUP) Restrictions:

1. You agree not to use the Platform or its integrated services to violate the legal rights of others, or to engage in, promote, or encourage illegal or fraudulent activity.
2. You must not use the Platform for any unlawful, invasive, infringing, defamatory, or fraudulent purpose.
3. You must not compromise the security of others’ or Google’s services (e.g., generating content that facilitates spam, phishing, or circumvention of abuse protections).
4. You must not bypass safety features or generate harmful/illegal content.

2. Generative AI Service-Specific Restrictions: When utilizing the AI Design Feature, you agree not to:

1. Attempt to bypass protective safety features designed to block harmful content.
2. Generate or distribute content that facilitates illegal activities, violence, harassment, or violations of privacy and intellectual property rights.
3. Test or reverse-engineer the AI Design Feature, or extract any components of the Generative AI Features, Software, or its models.

C. Privacy Policy

C-01. General and Lawful Basis

1. Controller: Aurzan Fashion FZE LLC acts as the primary Data Controller in the UAE.
2. Lawful Basis: Personal data processing is based on explicit, informed, and granular consent. Consent shall be clear, simple, and unambiguous.3
3. Consent Mechanism: Consent shall be obtained through a clear affirmative action and must be free, specific, informed, unconditional, and unambiguous. This means consent cannot be obtained through pre-checked boxes or implied agreements.3
4. Automated Decision-Making Rights. Under Article 18 of the PDPL, users have the right to object to decisions based solely on automated profiling. Users may contact the DPO to request human review of any such automated decision.3
5. Governing Law: This policy shall be governed with the laws of UAE, and disputes shall be subject to the exclusive jurisdiction of the courts of UAE.

C-02. Data Collected and Stored

1. We adhere to the principle of Data Minimization, collecting only the personal data that is strictly necessary for a specific and defined purpose. Data collected is categorized as follows:

2. Storage: The Platform stores the information described above in Google servers located in Saudi Arabia. Payments are processed by Stripe, which stores payment data within the UAE in compliance with Retail Services Regulations. Payment-related identification data and transaction records are stored within the UAE for a minimum of 5 years to comply with Retail Services Regulations.16
3. Standard Contractual Clauses: As of 2025, in the absence of an official UAE adequacy list for Saudi Arabia, the Platform utilizes Standard Contractual Clauses (SCCs) and obtains explicit consent for all international transfers. Personal data transferred to Google servers in Saudi Arabia is protected by Standard Contractual Clauses (SCCs), ensuring a level of protection equivalent to the UAE PDPL.3

C-03. Data Usage

1. The Platform uses the collected data for the following purposes:

1. Core service delivery
2. Business operations
3. Marketing and promotion (if this involves non-anonymized personal data for promotional activities, it requires separate, specific consent; users have the right to opt-out of marketing at any time)
4. Platform improvement
5. Security and compliance
6. Legal obligations.

C-04. Interests & Rights

1. Based on the Data Subject Rights Under the UAE PDPL, users have the rights for accessing, correction, erasure (the "Right to be Forgotten"), Data Portability (receiving data in a structured, machine-readable format), and objecting to automated processing.3

C-05. Data Protection Officer (DPO)

1. Aurzan Fashion FZE LLC has appointed a resident DPO to oversee "High-Risk Processing" (systematic AI profiling and automated decision-making). Users may contact the DPO regarding their privacy rights.

C-06. Google API Services User Data Policy Compliance

1. Our application's use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

1. Data Accessed (Scopes Requested): When you authenticate using Google OAuth, our application requests access to specific Google user account data. This includes your Google account email address and primary profile information.
2. Purpose of Collection (Data Usage): We access and collect this data strictly to provide and improve the core functionality of our application. Specifically, this data is used to authenticate your user account and verify your identity. We do not use this data for any undisclosed purpose.
3. Data Sharing and Transfer (Limited Use Restrictions): We do not sell, rent, or trade your Google user data to any third parties under any circumstances.

1. We do not transfer your Google user data to advertisement networks, data brokers, or information resellers.
2. We do not use your Google user data to train, retrain, or improve generalized Artificial Intelligence (AI) or Machine Learning (ML) models.
3. We only transfer Google user data to trusted third-party subprocessors (such as our secure cloud hosting provider) as strictly necessary to operate the application’s core features, to comply with applicable law, or as part of a corporate merger or acquisition, and only with your explicit consent.

4. Data Retention and Deletion: Your Google data is stored securely within our infrastructure using industry-standard technical safeguards. You may revoke our application's access to your Google account data at any time via your Google Account Security Settings page. Upon account deletion, all associated Google user data is permanently erased from our active databases.

D. Return Policy

D-01. General

1. This return policy governs cancellation, return, and refund after a booking or order is placed with a Business in the Platform.
2. Governing Law: This policy shall be governed by Federal Law No. 15 of 2020 on Consumer Protection.1

D-02. Agreement

1. Non-Conformity: Members have a statutory right to return, repair, or replace any item that deviates significantly from the AI-generated preview or announced specifications.8
2. Product Recall: In the event of a safety defect, Businesses are obligated to notify the Platform and affected Members immediately. The Platform will facilitate the announcement of the recall and the implementation of statutory remedies (repair, replacement, or refund) at no cost to the Member.8
3. 15-Day Repair Rule: If an item is defective, the Business is permitted a maximum of 15 days per repair attempt. If the defect recurs after two attempts, the Member is entitled to a full refund or a new replacement.8
4. 30-Day Price Difference Refund: If a Business fails to notify a Member of a scheduled discount starting within one week of their purchase, the Member is entitled to a refund of the price difference within 30 days.8
5. Cancellation Charge Parity: Businesses cannot impose cancellation charges on Members unless they bear similar charges for unilateral cancellations.
6. Refund Processing: If the Business approves refund, the refunds must be processed to the original payment method within 14–30 days.
7. Substitute Goods: If repair/replacement takes more than 7 days, the Business must provide a free alternative product.8

E. Delivery Policy

E-01. General

1. This delivery policy governs shipping and delivery of items ordered from a Business in the Platform.
2. Governing Law: This policy shall be governed by Federal Decree-Law No. 14 of 2023.3

E-02. Agreement

1. Fulfillment Responsibility: Preparation, production, packaging, shipping, and delivery of products and services are managed exclusively by the Business, and not by the Platform.
2. Delivery Tracking: If your order is not delivered after the forecasted delivery time, you must check the status with the Business directly.

F. Contact Us (Statutory and General Contacts)

1. The following details are provided for compliance with UAE Digital Merchant standards:

Works cited

1. Guide to Ajman NuVentures Centre Free Zone - Commitbiz (2025). https://www.commitbiz.com/ajman-nuventures-centre-free-zone
2. Federal Law No. (15) of 2020 on Consumer Protection (UAE Ministry of Economy)
3. Federal Decree-Law No. (14) of 2023 on Trading through Modern Technological Means
4. Federal Decree-Law No. (45) of 2021 regarding the Protection of Personal Data (PDPL)
5. Cabinet Decision No. (66) of 2023 Concerning the Executive Regulations of Federal Law No. (15) of 2020
6. Federal Decree-Law No. (46) of 2021 on Electronic Transactions and Trust Services
7. Media Content Standards – UAE Media Council (2025)
8. UAE Media Council Advertiser Permit (Mu'lin) Regulations 2025
9. Retail Services Regulation – Central Bank of the United Arab Emirates
10. Consumer Rights Portal - UAE Ministry of Economy. https://consumerrights.gov.ae/
11. UAE Federal Decree-Law No. 38 of 2021 on Copyright and Neighbouring Rights. https://uaelegislation.gov.ae/
12. Watermarking Standards and Policy for AI-Generated Media - C2PA (2025)
13. eCommerce | The Official Platform of the UAE Government. https://u.ae/es/information-and-services/business/ecommerce
14. Empowering E-Commerce in the UAE: A Deep Dive into Federal Decree-Law No. 14/2023. https://atblegal.com/blog/empowering-e-commerce-in-the-uae-a-deep-dive-in/
15. Ministry of Economy & Tourism reviews law on Commerce through Modern means of Technology. https://www.moet.gov.ae/en/-/ministry-of-economy-reviews-law-on-commerce-through-modern-means-of-technology-its-role-in-enhancing-business-environment-s-competitiveness-
16. Two Years of Federal Decree-Law No. 14/2023 : On Trading by Modern Technological Means. https://www.khairallahlegal.com/uae-law/federal-decree-law-no-14-2023-on-trading-by-modern-technological-means/
17. Federal Decree by Law No. (14) of 2023 Concerning the Modern Technology-Based Trade
18. 2025 Investment Climate Statements: United Arab Emirates - U.S. Department of State. https://www.state.gov/reports/2025-investment-climate-statements/united-arab-emirates
19. The new Federal Data Protection Law 2021 of the United Arab Emirates - KPMG.(https://assets.kpmg.com/content/dam/kpmg/ae/pdf-2022/10/Federal-Data-Protection-Law-2021-of-the-United-Arab-Emirates.pdf)
20. Ajman Media City Free Zone. https://amc.gov.ae/
21. Business Activities From Trading to E-commerce license UAE - ANCFZ. https://ancfz.ae/business-activities/