Terms and Conditions

These Terms and Conditions ("Terms") form an agreement between you and HIMMA COMPUTER SYSTEMS AND SOFTWARE DESIGNING - L.L.C - S.P.C (trade licence TN-6721792), a company registered in the United Arab Emirates ("Himma", "we", "us"). They apply to Himma Investments at himma.ai, the daily briefs and alerts we send, and any related pages, emails and integrations (together, the "Service").

By creating an account or using the Service you accept these Terms, our Privacy Policy and our Disclaimer, which form part of these Terms. If you do not accept them, do not use the Service.

You must be at least 18 years old and able to enter a binding contract where you live. You may not use the Service where doing so would break local law. We may refuse or close an account at our discretion, for example to comply with law or to protect the Service.

You sign in with an email code or link, or with Google. Keep access to your email and Google account secure: anyone who can open them can sign in as you. Give us accurate information and tell us at once if you think someone else has used your account.

Accounts are personal. Do not share them, sell them or let others use them.

Himma Investments is a research and information tool. It gathers market news, filings, earnings, macro releases and prices, scores events by their likely relevance to the holdings and watchlists you enter, and explains them with links to the sources.

The Service is not investment, financial, tax or legal advice, and Himma is not a broker, dealer, investment adviser or portfolio manager. We do not hold your money or securities, and we do not place trades. You make your own decisions. Read the Disclaimer for more detail.

We change the Service over time. We may add, change or remove features, data sources or coverage, and we may suspend parts of it for maintenance.

You can enter holdings, watchlists, alert preferences and settings. You are responsible for that information being accurate. We use it to personalise the Service as described in the Privacy Policy. You keep any rights you have in it and give us the permissions we need to operate the Service for you.

Himma Investments is currently offered without charge. If we introduce paid plans, we will show the price, billing terms and cancellation terms before you are charged, and nothing will be charged without your agreement.

You agree not to:

• copy, resell, republish or redistribute the Service or its content, except for short personal quotes with attribution;
• scrape, crawl or access the Service with bots, scripts or other automated means, or work around rate limits, sign-in, CAPTCHA or other controls;
• use the Service to build or train a competing product or dataset;
• probe, disrupt or overload the Service, or attempt to access accounts or data that are not yours;
• use the Service for anything unlawful, including market manipulation or misuse of non-public information.

The Service, its software, design, scores, text and the way it compiles information belong to Himma or its licensors. While you follow these Terms, we give you a personal, non-exclusive, non-transferable and revocable licence to use the Service for your own research. All other rights are reserved.

The Service shows data and links from third parties such as exchanges, market data vendors, regulators (for example SEC EDGAR), central banks and statistical agencies (for example FRED), and news publishers. Their content belongs to them, may be delayed, incomplete or wrong, and may be subject to their own terms. Links to other sites are for convenience; we do not control those sites.

Some text in the Service, such as summaries and briefs, is written with the help of AI language models and can contain errors. Check the cited sources before relying on it.

We send emails needed to run your account, such as sign-in codes and security notices. With your choice in Settings, we also send briefs and alerts by email or through connected channels such as Telegram or WhatsApp. You can switch briefs and alerts off in Settings or with the unsubscribe link in each brief.

You can stop using the Service at any time and ask us to delete your account by emailing us. We may suspend or end your access if you break these Terms, if required by law, or if we stop offering the Service. Sections that by their nature should continue (including 8, 12, 13, 14, 15 and 16) survive termination.

The Service is provided "as is" and "as available". To the extent the law allows, we make no warranties of any kind, including that the Service or its data will be accurate, complete, timely, uninterrupted or error-free, or that using it will lead to any particular investment result.

To the extent the law allows, Himma and its owners, staff and suppliers are not liable for any indirect, incidental, special or consequential loss, or for any loss of profits, trading or investment losses, or loss of data, arising from your use of the Service or your reliance on it.

To the extent the law allows, our total liability for all claims relating to the Service is limited to the greater of the amount you paid us in the 12 months before the claim and USD 100. Nothing in these Terms limits liability that cannot be limited under applicable law.

You agree to compensate Himma for claims, losses and reasonable costs arising from your breach of these Terms, your misuse of the Service, or investment decisions you make, except to the extent they were caused by our own breach.

These Terms are governed by the laws of the United Arab Emirates. Before starting formal proceedings, please contact us so we can try to resolve the issue informally within 30 days. Any dispute that is not resolved will be decided by the competent courts of the United Arab Emirates, unless the law where you live gives you a right to bring proceedings there.

We may update these Terms. We will post the new version on this page with a new effective date and, for material changes, tell signed-in users in the app or by email before they take effect. Continuing to use the Service after that means you accept the updated Terms.

These Terms, with the Privacy Policy and Disclaimer, are the whole agreement between you and Himma about the Service. If any part is found unenforceable, the rest stays in effect. You may not transfer your rights under these Terms; we may transfer ours as part of a reorganisation or sale of our business. Our failure to enforce a term is not a waiver. If the Arabic and English versions differ, the English version prevails.

HIMMA COMPUTER SYSTEMS AND SOFTWARE DESIGNING - L.L.C - S.P.C (trade licence TN-6721792), United Arab Emirates. Email [email protected].