Terms of Service

These Terms of Service ("Terms") form a binding legal agreement between you and Communicare OÜ, an Estonian private limited company (Estonian Business Register code 16013306), which operates the Najed AI platform ("Najed AI", "we", "us"). By creating an account, accessing the platform at najed.ai, or using any Najed AI agent including Daleel, you agree to these Terms in full.

If you are using the platform on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms. "You" then refers to that entity.

If you do not agree to these Terms, do not use the platform.

Najed AI operates a suite of AI-powered compliance intelligence agents for businesses operating in or entering Saudi Arabia. The current platform includes:

• Daleel — an AI agent that generates Saudi market entry analysis, covering MISA licensing pathways, Saudization obligations, sector-specific regulations, and related compliance topics.
• Additional agents (Zakat, Nitaq, Moarrab) available or in development.

We provide information and analysis, not legal, financial, tax, or regulatory advice. See Section 6 for the full disclaimer.

You may use Najed AI only if:

• You are at least 18 years old
• You are acting for a business or professional purpose, not as a consumer
• You register with a valid work email address (personal email domains are not accepted)
• You are not located in a jurisdiction where use of this service is prohibited by law

We reserve the right to refuse service to anyone for any reason, at our discretion.

Najed AI and Daleel provide informational analysis only. Nothing on this platform constitutes:

• Legal advice
• Financial or investment advice
• Tax advice
• Official regulatory guidance
• A formal compliance opinion

Saudi Arabian regulations, licensing requirements, Saudization bands (Nitaqat), ZATCA rules, and all other regulatory content referenced by our agents change frequently. We make reasonable efforts to keep our knowledge base current, but we cannot guarantee that any specific piece of information is accurate, complete, or up to date at the time you access it.

You must verify all information independently before making any business, legal, or financial decisions. Consult a licensed Saudi lawyer, accountant, or MISA-registered consultant for binding advice. Najed AI is a research and intelligence tool, not a substitute for professional judgment.

We are not liable for any business loss, regulatory penalty, missed deadline, failed license application, or other consequence arising from reliance on information generated by our platform.

You agree not to use Najed AI to:

• Violate any applicable law or regulation
• Attempt to extract, scrape, or reproduce our knowledge base, prompts, or agent architecture for any competing purpose
• Reverse-engineer, decompile, or attempt to derive the source code of our platform
• Upload or submit any content that is fraudulent, misleading, defamatory, or infringes third-party rights
• Circumvent any usage limits, rate limits, or access controls
• Use automated tools (bots, scripts) to interact with the platform at scale without our written permission
• Attempt to manipulate our AI agents to produce harmful, illegal, or misleading outputs
• Share your account credentials with third parties or resell access to the platform
• Use the platform to generate compliance intelligence for sanctioned entities or for purposes that would violate export control or sanctions laws

Violation of these terms may result in immediate account suspension or termination without refund.

All platform code, design, agent architecture, prompt systems, branding, and non-user-generated content on najed.ai are owned by Communicare OÜ or its licensors. These Terms do not transfer any intellectual property rights to you.

"Najed AI", "Daleel", "دليل", "نجد", and associated marks are trademarks of Communicare OÜ. You may not use our marks without written permission.

Daleel is powered by third-party AI infrastructure (Anthropic's Claude models). We do not control and are not responsible for the performance, availability, or outputs of third-party AI models. Downtime or changes in AI model behavior by our subprocessors may temporarily affect the quality or availability of the service.

Links to external websites (government portals, regulatory bodies, etc.) are provided for reference only. We are not responsible for the content, accuracy, or availability of external sites.

You agree to indemnify and hold harmless Communicare OÜ, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of the platform in violation of these Terms
• Your violation of any applicable law or third-party rights
• Inaccurate information you provided that resulted in an inaccurate report you relied upon
• Any business decision you made based on platform output without independent professional verification

We may update these Terms from time to time. We will notify you of material changes by email or by a prominent notice on the platform at least 14 days before they take effect. Your continued use of the platform after the effective date of revised Terms constitutes acceptance. If you do not accept the revised Terms, you must stop using the platform and may close your account.

These Terms are governed by the laws of the Republic of Estonia without regard to conflict of law principles. The courts of Tallinn, Estonia have exclusive jurisdiction over any dispute arising from or related to these Terms or the platform.

If you are a consumer in a jurisdiction where mandatory consumer protection laws apply and those laws confer jurisdiction on your local courts, nothing in this section limits those mandatory rights.

Before initiating formal proceedings, both parties agree to attempt in good faith to resolve any dispute by email negotiation within 30 days of the dispute arising.

• Entire agreement. These Terms, together with our Privacy Policy, form the entire agreement between you and Najed AI with respect to the platform and supersede any prior agreements.
• Severability. If any provision of these Terms is held invalid or unenforceable, it will be limited to the minimum extent necessary, and the remaining provisions remain in full force.
• No waiver. Our failure to enforce any provision of these Terms does not waive our right to enforce it later.
• Assignment. You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights to a successor entity in connection with a merger, acquisition, or sale of assets.
• Language. These Terms are written in English. Any translation is provided for convenience only. In the event of conflict, the English version prevails.
• Force majeure. We are not liable for any failure or delay in performance due to causes beyond our reasonable control, including natural disasters, war, cyberattacks, infrastructure failures, or changes in law.

Communicare OÜ
Estonian Business Register code: 16013306
Estonia