Purpl Terms of Service

Product: Purpl Provider: Purpl Tech Solutions Private Limited Licence number: CL13529 Registered address: Innovation One, Level 1, Dubai International Financial Centre, Dubai, U.A.E. Jurisdiction: DIFC (Dubai International Financial Centre) Version: 2.0 Last Updated: 31 July 2026 Effective Date: 31 July 2026

Please read these Terms of Service carefully before using Purpl. By creating an Account or using the platform, you accept these Terms and acknowledge the Purpl Privacy Policy, which forms part of them.

Part I — The agreement

Introduction
Definitions
Acceptance of these Terms
Nature of the Services

Part II — Using Purpl

Eligibility
Accounts and registration
User roles and permissions
Subscription plans, billing and payments
Customer responsibilities
Acceptable use

Part III — The platform

Financial operations features
Artificial Intelligence features
Product evolution and beta features
Third-party services and integrations
Customer Data
Privacy and data protection

Part IV — Legal terms

Intellectual property
Confidentiality
Service availability and support
Suspension of Services
Termination
Warranties and disclaimers
Limitation of liability
Customer indemnity

Part V — General

Force majeure
Electronic communications and records
Changes to these Terms
Governing law and dispute resolution
Miscellaneous

Part I — The agreement

1. Introduction

Welcome to Purpl.

These Terms of Service ("Terms") govern your access to and use of the Purpl platform, including our mobile applications, web applications, websites, application programming interfaces (APIs), artificial intelligence ("AI") capabilities, dashboards, reports, workflows, integrations, documentation, and all related software, products and services (collectively, the "Services").

The Services are provided by Purpl Tech Solutions Private Limited, a company incorporated in the Dubai International Financial Centre ("DIFC"), United Arab Emirates ("Purpl", "we", "our" or "us").

These Terms constitute a legally binding agreement between Purpl and the individual or legal entity accessing or using the Services ("Customer", "you" or "your").

By:

creating an Account;
accepting these Terms;
subscribing to a Subscription Plan;
accessing the Services;
inviting or authorising other users to access your Workspace; or
using any feature of the Services,

you acknowledge that you have read, understood and agree to be legally bound by these Terms.

If you do not agree to these Terms, you must not access or use the Services.

2. Definitions

Unless the context requires otherwise, the following definitions apply throughout these Terms.

Account means the registered account used to access the Services.

Administrator means an Authorised User with permission to administer a Workspace, manage Users, configure settings and administer subscriptions.

AI Features means any artificial intelligence, machine learning, natural language processing, large language models, document recognition, automation, predictive analytics, recommendation engines, generative AI or similar technologies made available through the Services, whether now existing or introduced in the future.

Applicable Law means all laws, regulations, rules, directives, regulatory requirements, judicial decisions and governmental orders applicable to the Services, Purpl or the Customer.

Authorised User means any employee, owner, director, officer, contractor, adviser or other individual authorised by the Customer to access the Services.

Customer Data means all information, records, documents, files, financial information, operational information, Personal Information, prompts, images, voice recordings, transactions and any other data uploaded, imported, generated, transmitted, created or stored by or on behalf of a Customer through the Services.

Documentation means any user guides, manuals, help articles, knowledge base materials, technical documentation or other materials made available by Purpl.

Output means any report, dashboard, forecast, recommendation, classification, analysis, summary, invoice, receipt, purchase order, financial statement, business insight, AI-generated response or any other information produced through the Services.

Personal Information has the meaning given under the Purpl Privacy Policy and applicable data protection laws.

Services means the Purpl platform, including its mobile applications, web applications, websites, APIs, Artificial Intelligence features, integrations, dashboards, reports, workflows, documentation and all related software, products and services provided by Purpl.

Subscription Plan means the commercial plan selected by the Customer, including any applicable pricing, feature limits or usage allowances.

User means any individual authorised by the Customer to access the Services.

Workspace means the dedicated environment established within the Services for a Customer, including all associated Users, settings, Customer Data and subscriptions.

Words importing the singular include the plural and vice versa. References to legislation include amendments and successor legislation unless the context requires otherwise.

3. Acceptance of these Terms

By accessing or using the Services, you represent and warrant that:

you have the legal capacity to enter into these Terms;
if you are acting on behalf of a legal entity, you have authority to bind that entity to these Terms;
all registration information you provide is accurate, complete and current;
you will comply with these Terms and all Applicable Laws;
you will ensure that all Authorised Users comply with these Terms.

Where an individual accepts these Terms on behalf of a company, partnership or other organisation, all references to "Customer" include that organisation. If you do not have authority to bind the relevant organisation, you must not use the Services on its behalf.

Purpl may rely upon any electronic acceptance, workflow approval or authenticated in-application action as evidence that these Terms have been accepted by the Customer.

4. Nature of the Services

4.1 Purpl as a software platform

Purpl is an AI-powered Financial Operations Platform delivered as Software-as-a-Service (SaaS).

The Services are designed to help businesses organise, manage, analyse and understand operational and financial information through intuitive software tools and AI-assisted workflows.

Depending on the applicable Subscription Plan, the Services may include functionality relating to:

customer and supplier management;
quotations;
invoices;
receipts;
purchase orders;
bills;
credit notes;
debit notes;
journals;
chart of accounts;
financial reporting;
dashboards;
forecasting;
budgeting;
cash flow analysis;
business performance monitoring;
document management;
OCR and intelligent document extraction;
workflow automation;
AI-assisted insights;
payment facilitation;
integrations with authorised third-party services; and
additional functionality introduced from time to time.

Availability of features varies according to the Customer's Subscription Plan and may differ by jurisdiction.

4.2 Software — not professional services

Purpl provides software. Purpl does not provide:

accounting services;
bookkeeping services;
audit services;
tax advisory services;
payroll services;
legal services;
fiduciary services;
banking services;
payment services;
lending services;
investment advice;
corporate secretarial services; or
any other regulated professional service.

Nothing within the Services shall be interpreted as creating:

an accountant-client relationship;
auditor-client relationship;
lawyer-client relationship;
tax adviser-client relationship;
fiduciary relationship;
banking relationship; or
any other regulated professional relationship.

The use of accounting terminology — including journals, trial balances, balance sheets, profit and loss statements, VAT fields, reconciliations and similar terminology — describes software functionality only and does not indicate that Purpl performs those professional services on behalf of Customers.

4.3 AI-assisted platform

Artificial intelligence forms an integral part of certain features within the Services.

AI may assist Customers by helping to organise information, automate routine tasks, generate reports, provide forecasts, classify transactions, answer questions, identify trends, produce business insights and support decision-making.

Unless expressly stated otherwise, information generated through AI Features is produced automatically using algorithms and machine learning technologies and is not reviewed or approved by a human representative of Purpl before being presented to the Customer.

Customers acknowledge that AI-generated Outputs may contain inaccuracies, omissions or inconsistencies and must always be reviewed before being relied upon.

Further provisions governing AI Features are contained in Section 12 of these Terms.

4.4 Customer responsibility

The Services are decision-support tools. Customers remain solely responsible for:

maintaining complete and accurate business records;
selecting appropriate accounting policies;
determining appropriate tax treatments;
complying with accounting standards;
complying with tax obligations;
complying with employment obligations;
complying with regulatory and statutory requirements;
reviewing all transactions before approval;
reviewing all Outputs before relying upon them;
obtaining professional advice where appropriate; and
making all commercial, financial and operational decisions affecting their business.

Purpl facilitates business operations through software. Responsibility for business decisions always remains with the Customer.

4.5 No guarantee of regulatory compliance

The Services are designed to assist Customers in managing their businesses more efficiently.

Unless Purpl expressly states that a particular feature has been certified or approved for compliance with a specific legal or regulatory framework, Customers must not assume that use of the Services alone satisfies any statutory, accounting, taxation or regulatory obligation.

Customers remain responsible for understanding and complying with all Applicable Laws relevant to their business.

4.6 Business evolution

Purpl continually develops and improves the Services. Accordingly, features, workflows, user interfaces, AI capabilities, integrations and functionality may be added, modified, enhanced, replaced or discontinued as part of the normal evolution of the platform.

Unless expressly stated otherwise, such changes do not alter the fundamental nature of the Services provided under these Terms and do not require a separate agreement with the Customer.

4.7 Initial UAE availability and jurisdictional use

During the initial public launch, Purpl intends to make the Services available primarily through application stores and distribution channels designated for the United Arab Emirates ("UAE"). Purpl may expand, restrict or modify the jurisdictions in which the Services are offered at any time in its sole discretion.

The Services have been designed and configured primarily for businesses operating in the UAE. Certain functionality, including tax features, VAT calculations, payment integrations, electronic invoicing capabilities and other jurisdiction-specific features, has been developed based on UAE laws, regulations and business practices.

Customers who obtain, access or use the Services outside the UAE do so at their own discretion and risk. Purpl does not represent or warrant that the Services, or any Output generated by the Services, will be suitable for, available in, or compliant with the legal, tax, accounting or regulatory requirements of any jurisdiction outside the UAE.

Customers remain solely responsible for determining whether the Services are appropriate for their jurisdiction and for ensuring compliance with all applicable local laws and regulations. Purpl shall have no liability arising from the use of the Services outside the UAE or from reliance on functionality that has not been specifically localised for the relevant jurisdiction.

Purpl may restrict or refuse access to the Services in particular jurisdictions where required for legal, regulatory, commercial, operational or security reasons.

Part II — Using Purpl

5. Eligibility

To access or use the Services, you represent and warrant that:

you are at least eighteen (18) years of age or have otherwise reached the age of legal majority in your jurisdiction;
you have the legal capacity to enter into binding agreements;
if you are acting on behalf of a business or other legal entity, you are duly authorised to bind that entity to these Terms;
all information provided during registration is accurate, complete and current;
you will promptly update any information that becomes inaccurate or outdated;
your use of the Services complies with all Applicable Laws; and
you are not prohibited from using the Services under any sanctions, trade restrictions or other legal prohibitions applicable to you.

Purpl may refuse, suspend or terminate access to the Services where these eligibility requirements are not met or where Purpl reasonably believes continued access may expose Purpl, its Customers or third parties to legal, regulatory or security risks.

6. Accounts and registration

6.1 Creating an Account

Access to the Services requires the creation of an Account. During registration, Customers may be required to provide information including:

legal business name;
business registration or trade licence details;
authorised representative details;
contact information;
registered address;
tax registration information where applicable;
identity verification information where required by law or for platform security;
any additional information reasonably required to establish or maintain the Account.

Customers agree that all information provided is accurate, complete and not misleading.

Purpl may rely upon the information provided by the Customer and is not responsible for independently verifying its accuracy except where verification is required by Applicable Law or Purpl's internal security procedures.

6.2 Verification

To protect the integrity and security of the Services, Purpl may verify information provided during registration or at any time during the Customer relationship. Verification may be conducted using:

internal validation procedures;
authorised identity verification providers;
business registration databases;
government records where lawfully available;
authorised third-party verification services.

Where verification cannot be completed or where information appears inaccurate, inconsistent or misleading, Purpl may:

request additional information;
temporarily restrict access;
suspend specific functionality;
refuse registration; or
terminate the Account where permitted by these Terms or Applicable Law.

Purpl is under no obligation to approve every registration request.

6.3 Account security

Customers are responsible for maintaining the confidentiality and security of all credentials associated with their Account, including:

usernames;
passwords;
passkeys;
authentication devices;
one-time passwords;
API credentials;
recovery codes; and
any other security credentials issued by Purpl.

Customers are responsible for all activities conducted through their Account unless and until Purpl receives notice that the Account has been compromised.

Customers must promptly notify Purpl if they become aware of:

unauthorised access;
credential compromise;
suspected fraud;
attempted security breaches;
unauthorised transactions;
any other security incident affecting the Account.

Purpl may temporarily suspend access where reasonably necessary to protect the Customer, other users or the Services.

6.4 Multiple Workspaces

Where supported by the applicable Subscription Plan, a Customer may manage multiple businesses, legal entities or operating divisions through separate Workspaces within a single Account.

Each Workspace remains independently responsible for:

Customer Data;
Users;
permissions;
subscriptions;
compliance obligations; and
business records.

6.5 Account ownership

The individual who creates an Account on behalf of a business represents that they are authorised to do so.

Where an Account is created for an organisation, the Account belongs to that organisation rather than the individual user.

Purpl may require reasonable evidence of ownership before transferring administrative control of an Account.

7. User roles and permissions

Purpl supports configurable role-based access controls to assist Customers in implementing internal governance, segregation of duties and approval workflows.

Available roles may include, without limitation:

Administrator;
Finance Manager;
Approver;
Maker;
Reviewer;
Employee;
External Accountant;
Auditor; and
Custom Roles.

Available permissions may vary depending on the applicable Subscription Plan.

7.1 Customer responsibility

Customers are solely responsible for:

inviting Users;
assigning permissions;
establishing approval workflows;
maintaining segregation of duties where appropriate;
disabling access when Users leave the organisation;
periodically reviewing user permissions; and
ensuring Users act only within their authorised responsibilities.

Purpl provides administrative tools but does not supervise or enforce the Customer's internal governance arrangements.

7.2 Approval workflows

Where available, the Services may include approval workflows, maker-checker controls or multi-level authorisation processes. These tools are intended solely to assist Customers in implementing their own internal controls.

Customers remain responsible for determining:

approval requirements;
approval thresholds;
approval authorities;
internal governance policies;
compliance with applicable laws or regulations.

Purpl does not certify that any approval workflow satisfies legal, regulatory or corporate governance requirements applicable to the Customer.

8. Subscription plans, billing and payments

8.1 Subscription plans

Access to the Services is provided under one or more Subscription Plans. Subscription Plans may differ based on factors including:

number of Users;
storage limits;
AI usage;
transaction volumes;
document processing;
integrations;
support levels;
available features; and
other usage limits determined by Purpl.

Purpl may introduce, modify or discontinue Subscription Plans from time to time.

8.2 Subscription fees

Customers agree to pay all applicable Fees associated with their Subscription Plan. Unless expressly stated otherwise:

Fees are exclusive of applicable taxes;
subscriptions renew automatically until cancelled;
payments are due on the invoice due date;
Customers are responsible for any applicable taxes, duties or governmental charges other than taxes imposed on Purpl's income.

8.3 Payment processing

Payments may be processed through authorised third-party payment providers. Purpl does not store full payment card details except where necessary and permitted by Applicable Law.

The processing of payment transactions may be subject to the terms and conditions of the relevant payment provider.

8.4 Changes to pricing

Purpl may revise pricing from time to time. Where pricing changes materially affect an existing Subscription Plan, Purpl will provide reasonable prior notice before the revised pricing becomes effective.

Continued use of the Services after the effective date of revised pricing constitutes acceptance of the updated Fees.

8.5 Suspension for non-payment

Where payment remains overdue, Purpl may:

suspend access to all or part of the Services;
restrict certain functionality;
prevent creation of new transactions;
suspend AI Features;
suspend integrations; or
terminate the Subscription in accordance with these Terms.

Suspension does not relieve the Customer of its obligation to pay outstanding Fees.

8.6 Free plans and trial services

Purpl may offer free Subscription Plans, trial periods or promotional access to certain features. Unless expressly stated otherwise:

free plans may include feature limitations;
trial features may be withdrawn without notice;
trial periods automatically expire at the end of the applicable promotional period;
Customers remain responsible for exporting their data where required before expiry of a trial.

Purpl reserves the right to modify or discontinue free plans or trial offerings at any time.

9. Customer responsibilities

Customers play the central role in ensuring that the Services operate effectively for their business. Accordingly, Customers agree to:

Maintain accurate information. Ensure that Customer Data entered into the Services is complete, accurate and up to date.

Review Outputs. Review all Outputs before relying upon them, including:

invoices;
financial reports;
dashboards;
forecasts;
budgets;
reconciliations;
AI-generated responses;
business insights;
recommendations; and
any other information generated through the Services.

Maintain compliance. Customers remain solely responsible for compliance with:

accounting requirements;
tax obligations;
employment obligations;
corporate governance requirements;
licensing obligations;
regulatory requirements;
industry-specific laws; and
all other Applicable Laws.

Maintain records. Customers remain responsible for maintaining books, records and supporting documentation for the periods required under Applicable Law. Purpl provides software tools but is not the legal custodian of the Customer's statutory records.

Obtain necessary rights. Customers represent that they have all necessary rights, permissions and legal authority to upload, process and store Customer Data through the Services. Where Customer Data includes Personal Information relating to employees, customers, suppliers or other individuals, the Customer is responsible for ensuring that all required notices have been provided and all necessary legal bases or consents have been obtained.

Maintain security. Customers are responsible for implementing appropriate internal security controls including:

password management;
multi-factor authentication where available;
secure devices;
periodic access reviews;
approval controls; and
appropriate internal governance.

Independent decision making. The Services assist Customers in organising information and supporting decision-making. All commercial, operational, financial, accounting, tax and regulatory decisions remain solely the responsibility of the Customer.

10. Acceptable use

The Services are intended solely for legitimate business purposes. Customers and all Users agree to use the Services responsibly, ethically and in compliance with these Terms and Applicable Law.

10.1 Lawful use

Customers must not use the Services to:

violate Applicable Law;
facilitate unlawful business activities;
evade taxes;
commit fraud;
conceal criminal activity;
breach sanctions;
infringe intellectual property rights;
infringe privacy rights;
violate contractual obligations; or
engage in deceptive or misleading conduct.

10.2 Fraud and financial crime

The Services must never be used to facilitate:

money laundering;
terrorist financing;
bribery;
corruption;
sanctions evasion;
forged documentation;
false accounting records;
manipulated invoices;
fictitious suppliers;
fraudulent customer records;
falsified financial statements; or
any other unlawful financial activity.

10.3 Data integrity

Customers must ensure that Customer Data is:

accurate;
complete;
current;
lawfully obtained; and
uploaded in good faith.

Customers must not intentionally create or upload false or misleading records. Purpl processes Customer Data as provided and does not independently verify its accuracy.

10.4 Platform security

Customers must not:

upload malicious software;
introduce viruses or harmful code;
interfere with platform security;
bypass authentication mechanisms;
overload the Services;
attempt unauthorised access;
interfere with another Customer's Workspace;
probe or exploit vulnerabilities; or
reverse engineer the Services except where expressly permitted by Applicable Law.

10.5 Responsible use of AI Features

Customers must not use AI Features to:

generate fraudulent documents;
create misleading financial records;
impersonate another individual;
deceive regulators or authorities;
produce unlawful content;
infringe the rights of others; or
facilitate illegal activities.

Customers remain solely responsible for all prompts submitted to AI Features and for all decisions made using AI-generated Outputs.

10.6 Documents and file uploads

Customers may upload documents only where they are legally entitled to do so. Customers must not upload:

malicious files;
forged documents;
unlawful content;
material that infringes third-party rights;
confidential information belonging to others without authority; or
any content prohibited by Applicable Law.

10.7 Third-party integrations

Customers remain responsible for ensuring that they are authorised to connect external services to the platform. Customers must not use integrations to:

obtain unauthorised access;
circumvent restrictions;
misuse APIs;
interfere with third-party systems; or
compromise platform security.

10.8 Fair use

Customers must use the Services reasonably.

Purpl may investigate activity involving excessive or abnormal use of platform resources, including AI usage, API requests, document processing or automated activity that materially affects the stability or performance of the Services.

Where reasonably practicable, Purpl will seek to work with Customers before imposing restrictions.

10.9 Investigation and enforcement

Where Purpl reasonably believes these Terms have been breached, Purpl may:

investigate suspected misuse;
request additional information;
remove or quarantine content;
disable specific features;
suspend Accounts;
suspend AI Features;
suspend integrations;
preserve evidence;
report unlawful activity to relevant authorities where required by Applicable Law; and
terminate access to the Services.

Purpl will exercise these rights reasonably and proportionately, taking into account the nature and severity of the suspected breach.

Part III — The platform

11. Financial operations features

11.1 Purpose of the financial operations features

Purpl provides software tools designed to help Customers organise, record, analyse and manage operational and financial information more efficiently.

Depending on the applicable Subscription Plan, the Services may include functionality relating to:

customer management;
supplier management;
quotations;
invoices;
receipts;
purchase orders;
bills;
credit notes;
debit notes;
journal entries;
chart of accounts;
general ledger;
bank reconciliation;
budgeting;
forecasting;
financial reporting;
management dashboards;
cash flow analysis;
business performance monitoring;
workflow approvals;
VAT and other tax-related data fields;
electronic invoicing capabilities where supported;
document management;
payment facilitation;
AI-assisted financial analysis; and
additional operational or financial features introduced from time to time.

The availability of specific functionality depends upon the Customer's Subscription Plan and may vary by jurisdiction.

11.2 Customer responsibility for financial records

The Services process and present information supplied by the Customer. Accordingly, the Customer remains solely responsible for:

maintaining complete and accurate business records;
selecting appropriate accounting policies;
recording transactions correctly;
approving accounting entries;
maintaining appropriate supporting documentation;
verifying account classifications;
validating tax treatments;
complying with applicable accounting standards;
complying with tax legislation;
complying with statutory record-keeping obligations; and
ensuring that all Outputs accurately reflect the Customer's business.

Purpl does not independently verify Customer Data, accounting treatments, tax positions or statutory compliance.

11.3 Commercial documents

The Services may enable Customers to create, issue and manage commercial documents including quotations, invoices, purchase orders, credit notes, debit notes, receipts and similar records.

Customers remain solely responsible for ensuring that such documents:

contain complete and accurate information;
comply with Applicable Law;
satisfy mandatory legal requirements applicable in their jurisdiction;
are issued to the correct parties;
are retained for the period required by Applicable Law.

Purpl does not review, approve or certify commercial documents generated through the Services.

11.4 Tax-related functionality

The Services may include features designed to assist Customers in recording, analysing or reporting tax-related information, including VAT codes, tax rates, tax summaries and other jurisdiction-specific functionality.

These features are provided solely to assist Customers in maintaining their own business records. Purpl does not:

provide tax advice;
determine tax liabilities;
validate tax codes;
determine tax rates;
prepare tax returns;
submit tax filings;
communicate with tax authorities on behalf of Customers; or
certify compliance with any tax legislation.

Customers remain solely responsible for reviewing all tax-related information before relying upon it.

Unless expressly stated otherwise by Purpl, jurisdiction-specific tax functionality, including VAT calculations, tax codes and tax-related workflows, is designed primarily for use in the United Arab Emirates and should not be relied upon for compliance in any other jurisdiction.

11.5 Electronic invoicing

Where available, the Services may include functionality supporting electronic invoicing.

Unless Purpl expressly states that a particular feature has been certified or approved for compliance with a specific electronic invoicing framework, Customers must not assume that invoices generated through the Services satisfy all applicable statutory or regulatory requirements.

Customers remain solely responsible for determining whether invoices generated through the Services comply with Applicable Law.

11.6 Reports and business insights

The Services may generate Outputs including:

Profit and Loss Statements;
Balance Sheets;
Cash Flow Statements;
Trial Balances;
General Ledger reports;
aged receivable and payable reports;
KPI dashboards;
forecasts;
budgets;
financial summaries;
operational insights;
management reports; and
other analytical Outputs.

These Outputs are generated using Customer Data, Customer configurations and, where applicable, AI-assisted processing. Outputs are intended to assist Customers in understanding and managing their businesses.

Customers remain responsible for reviewing, validating and approving all Outputs before relying upon them for commercial, accounting, taxation, legal or regulatory purposes.

12. Artificial Intelligence features

12.1 AI-native platform

Purpl incorporates Artificial Intelligence throughout the Services to improve productivity, automate repetitive tasks, enhance user experience and assist Customers in understanding their business information.

AI Features may include, without limitation:

conversational assistants;
document extraction;
optical character recognition (OCR);
transaction categorisation;
report generation;
business insights;
forecasting;
anomaly detection;
workflow recommendations;
natural language search;
multilingual assistance;
voice interactions;
image understanding;
autonomous workflow suggestions; and
future AI capabilities introduced by Purpl.

AI Features form part of the Services and may evolve over time.

12.2 AI disclosure

Customers acknowledge that certain information, recommendations, classifications, forecasts, summaries, explanations, reports and other Outputs displayed within the Services may be generated, produced or materially assisted by Artificial Intelligence.

Where reasonably practicable, Purpl will identify AI-generated or AI-assisted content within the Services.

Not every Output generated through the Services is individually reviewed by a human representative of Purpl before being presented to the Customer.

12.3 Nature of AI Outputs

Artificial Intelligence is probabilistic rather than deterministic. Accordingly, AI-generated Outputs:

may contain inaccuracies;
may contain omissions;
may misunderstand context;
may produce inconsistent responses;
may reflect limitations in available information;
may not reflect recent legal, accounting or regulatory developments;
may produce different responses to similar requests.

Customers should not assume that AI-generated Outputs are complete, accurate or suitable for every purpose.

12.4 Human review

Customers remain responsible for reviewing AI-generated Outputs before relying upon them.

AI-generated Outputs should be independently reviewed where they relate to:

accounting records;
tax matters;
financial reporting;
regulatory compliance;
contractual obligations;
lending decisions;
investment decisions;
legal matters; or
any decision with material financial, legal or operational consequences.

Human judgement remains essential when using AI Features.

12.5 No professional advice

AI-generated Outputs are intended solely to assist Customers in operating the Services. Neither the AI Features nor any Output generated through them constitutes:

accounting advice;
bookkeeping services;
tax advice;
legal advice;
investment advice;
financial advice;
audit opinions;
regulatory advice; or
any other regulated professional service.

Customers should obtain independent professional advice whenever appropriate.

12.6 Customer responsibilities

Customers remain solely responsible for:

prompts submitted to AI Features;
information uploaded for AI processing;
verifying AI-generated Outputs;
approving transactions;
decisions made using AI-generated information;
ensuring compliance with Applicable Law.

The Customer assumes full responsibility for any business decision made using AI-assisted Outputs.

12.7 High-risk uses

Unless expressly agreed by Purpl in writing, AI Features must not be used as the sole basis for:

statutory filings;
regulatory submissions;
lending decisions;
insurance underwriting;
employment decisions;
legal determinations;
compliance certifications;
safety-critical operations; or
any activity where failure could reasonably result in significant legal, financial or personal harm.

Independent human review should always be undertaken before relying on AI Outputs in such circumstances.

12.8 AI service providers

Purpl may use authorised third-party AI technologies in providing AI Features. The specific technologies, models and providers used may change from time to time as technology evolves.

Purpl will take reasonable steps to ensure that third-party AI providers process Customer Data only for authorised purposes and in accordance with applicable contractual and legal obligations.

13. Product evolution and beta features

13.1 Continuous improvement

Purpl continually develops, improves and enhances the Services. Accordingly, Purpl may:

introduce new features;
improve existing functionality;
replace underlying technologies;
redesign workflows;
modify user interfaces;
enhance security;
expand AI capabilities;
introduce new integrations;
discontinue obsolete functionality.

Such changes are part of the normal evolution of a cloud-based software platform. Unless expressly stated otherwise, these changes do not constitute a breach of these Terms.

13.2 Beta, preview and experimental features

From time to time, Purpl may make available features designated as:

Beta;
Preview;
Early Access;
Experimental;
Pilot; or
similar designations.

Such features are provided for evaluation purposes and may:

contain defects;
change significantly;
be discontinued without notice;
operate differently from production features;
have reduced support;
be subject to additional usage limitations.

Customers use Beta Features at their own discretion. Purpl provides no assurance that Beta Features will become generally available.

13.3 Customer feedback

Customers may voluntarily provide suggestions, comments, enhancement requests or other feedback regarding the Services.

Unless otherwise agreed in writing, Purpl may use such feedback to improve the Services without restriction or obligation to compensate the Customer.

This clause does not grant Purpl ownership of Customer Data or Confidential Information.

14. Third-party services and integrations

The Services may interoperate with authorised third-party technologies including:

banking integrations;
payment service providers;
cloud infrastructure;
communications platforms;
document processing technologies;
identity verification services;
AI providers;
analytics providers;
productivity platforms; and
other software applications.

Customers acknowledge that these services are provided independently of Purpl.

Certain third-party services, including payment providers, banking integrations and other jurisdiction-specific integrations, may be available only in selected jurisdictions. Purpl does not represent or warrant that such services are available, compatible or compliant in every country.

14.1 Third-party terms

Use of third-party services remains subject to the terms and privacy policies of the relevant provider. Customers are responsible for complying with those requirements.

14.2 Availability

Purpl does not control third-party providers. Accordingly, Purpl cannot guarantee:

continuous availability;
uninterrupted integrations;
compatibility;
performance;
functionality;
security;
continued commercial relationships with third-party providers.

Where practicable, Purpl will seek to minimise disruption resulting from changes affecting third-party integrations.

15. Customer Data

15.1 Ownership

Customers retain all ownership rights in their Customer Data. Nothing in these Terms transfers ownership of Customer Data to Purpl.

15.2 Licence to process

To enable Purpl to provide the Services, Customers grant Purpl a worldwide, non-exclusive, royalty-free licence to:

host;
process;
store;
reproduce;
transmit;
analyse;
display;
back up; and
otherwise use Customer Data,

solely to:

provide the Services;
deliver requested functionality;
maintain platform security;
provide customer support;
investigate misuse;
comply with Applicable Law;
improve the Services using anonymised or aggregated information where permitted.

This licence continues only for so long as reasonably necessary to provide the Services and satisfy legal obligations.

15.3 Data quality

Purpl processes Customer Data as received. Purpl does not independently verify:

accounting entries;
uploaded documents;
invoices;
customer records;
supplier records;
financial transactions;
imported information; or
other Customer Data.

The usefulness and accuracy of Outputs depend substantially upon the quality of Customer Data provided by the Customer.

15.4 Aggregated and anonymised information

Purpl may generate anonymised, aggregated or de-identified information derived from Customer Data for purposes including:

product development;
benchmarking;
statistical analysis;
platform optimisation;
service improvement;
AI evaluation;
security analysis; and
business intelligence.

Such information will not identify the Customer or any individual.

16. Privacy and data protection

Purpl is committed to protecting Personal Information and processing Customer Data responsibly.

The collection, use, storage, disclosure and protection of Personal Information are governed by the Purpl Privacy Policy, which forms part of these Terms.

Depending on the circumstances, Purpl may act as:

a data controller;
a data processor; or
another role recognised under applicable data protection legislation.

Customers remain responsible for ensuring that they have an appropriate legal basis for uploading Personal Information to the Services and for complying with Applicable Law when collecting and processing Personal Information relating to their employees, customers, suppliers and other individuals.

Purpl implements reasonable technical and organisational measures designed to protect Customer Data against unauthorised access, loss, misuse and disclosure.

While Purpl is committed to maintaining a secure platform, no technology can guarantee absolute security. Customers also play an important role in safeguarding their own devices, credentials, internal systems and User permissions.

Part IV — Legal terms

17. Intellectual property

17.1 Ownership of the Services

The Services, including all software, source code, object code, algorithms, artificial intelligence models, workflows, business logic, user interfaces, graphics, designs, templates, documentation, APIs, databases, reports, dashboards, trademarks, logos, trade names and all related intellectual property rights are owned by, or licensed to, Purpl.

Except for the limited rights expressly granted under these Terms, no ownership rights are transferred to the Customer.

17.2 Licence to use the Services

Subject to these Terms and payment of all applicable Fees, Purpl grants the Customer a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Services during the applicable Subscription Term solely for the Customer's internal business purposes.

This licence does not permit the Customer to:

copy the Services except as reasonably necessary for normal use;
reproduce or distribute the Services;
resell or commercially exploit the Services;
lease, rent or sublicense the Services;
modify or create derivative works based on the Services;
reverse engineer, decompile or disassemble the Services except where expressly permitted by Applicable Law;
use the Services to build or support a competing product or service;
remove proprietary notices or branding.

17.3 Customer intellectual property

Customers retain ownership of:

Customer Data;
business names;
trademarks;
logos;
uploaded documents;
internally created reports;
proprietary business processes; and
all intellectual property owned before using the Services.

Nothing in these Terms grants Purpl ownership of Customer intellectual property.

17.4 Feedback

If the Customer voluntarily provides suggestions, enhancement requests, ideas or other feedback relating to the Services, the Customer grants Purpl a perpetual, worldwide, irrevocable, royalty-free licence to use that feedback for developing, improving and supporting the Services without compensation.

This licence does not apply to Customer Data or Confidential Information.

18. Confidentiality

Each party may receive Confidential Information from the other while providing or using the Services. Each party agrees to:

protect Confidential Information using reasonable care;
use Confidential Information only for purposes connected with these Terms;
disclose Confidential Information only to personnel, contractors or advisers who have a legitimate need to know and who are subject to appropriate confidentiality obligations.

18.1 Confidential Information

Confidential Information includes non-public information relating to:

business operations;
technology;
software;
pricing;
commercial arrangements;
security measures;
Customer Data;
product roadmaps;
financial information; and
other information identified as confidential or that should reasonably be understood to be confidential.

18.2 Exclusions

Confidential Information does not include information that:

becomes publicly available without breach of these Terms;
was lawfully known before disclosure;
is independently developed without reference to the disclosed information;
is lawfully obtained from another source without confidentiality obligations; or
must be disclosed by Applicable Law or a lawful order of a competent authority.

Where legally permitted, the receiving party shall provide reasonable notice before making any compulsory disclosure.

18.3 Survival

The confidentiality obligations contained in these Terms continue for five (5) years after termination of the Agreement, except in relation to trade secrets and Customer Data, which remain protected for as long as they retain their confidential nature or are required to be protected by Applicable Law.

19. Service availability and support

Purpl is designed to provide reliable cloud-based Services. However, uninterrupted or error-free operation cannot be guaranteed.

The Services may occasionally be unavailable due to:

scheduled maintenance;
software updates;
infrastructure upgrades;
cyber security incidents;
failures of third-party services;
telecommunications disruptions;
internet outages;
force majeure events; or
circumstances beyond Purpl's reasonable control.

19.1 Customer support

Support may be provided through:

in-application messaging;
email;
online help resources;
knowledge base articles;
community forums; or
other channels designated by Purpl.

Support availability, response times and service levels may vary depending on the applicable Subscription Plan.

Unless expressly agreed in writing, Purpl does not guarantee any specific service level, response time or resolution time.

19.2 Planned maintenance

Purpl may perform planned maintenance, upgrades or security enhancements from time to time.

Where reasonably practicable, advance notice will be provided if the maintenance is expected to materially affect the availability of the Services.

20. Suspension of Services

Purpl may suspend access to all or part of the Services where reasonably necessary to:

protect platform security;
investigate suspected fraud;
investigate suspected breaches of these Terms;
prevent unlawful activity;
respond to legal or regulatory requirements;
protect other Customers;
address non-payment;
respond to security incidents; or
prevent material harm to the Services.

Where reasonably practicable, Purpl will provide advance notice before suspension. Immediate suspension may occur where advance notice could compromise security, prejudice an investigation or violate Applicable Law.

20.1 Effect of suspension

During suspension:

access to some or all functionality may be restricted;
Customer Data will ordinarily remain stored unless deletion is required by law;
Fees may continue to accrue where suspension results from the Customer's breach of these Terms.

Suspension does not terminate the Agreement.

21. Termination

Either party may terminate this Agreement in accordance with this Section.

21.1 Termination by the Customer

Customers may terminate their Subscription:

through the Services where functionality is available;
by providing notice in accordance with the applicable Subscription Plan; or
by any other method approved by Purpl.

Unless required by Applicable Law or expressly stated otherwise, prepaid Fees are non-refundable.

21.2 Termination by Purpl

Purpl may terminate these Terms or suspend access immediately where:

the Customer materially breaches these Terms;
Fees remain unpaid following reasonable notice;
fraudulent or unlawful activity is reasonably suspected;
continued access presents a material security or regulatory risk;
Purpl is required to do so by Applicable Law;
the Customer becomes subject to sanctions or legal restrictions preventing continued provision of the Services.

Purpl may also discontinue the Services or any material feature upon reasonable notice where commercially necessary.

21.3 Effect of termination

Upon termination:

the Customer's licence to use the Services immediately ends;
access to the Account may be disabled;
outstanding Fees become immediately due;
Customer Data will be retained, exported, deleted or anonymised in accordance with the Privacy Policy and Applicable Law;
provisions intended to survive termination remain in effect.

Customers are encouraged to export their Customer Data before terminating their Subscription.

22. Warranties and disclaimers

22.1 Services provided "as available"

To the maximum extent permitted by Applicable Law, the Services are provided on an "as available" and "as is" basis.

Except as expressly stated in these Terms, Purpl does not warrant that the Services will:

operate without interruption;
be error-free;
satisfy every business requirement;
prevent fraud;
detect every error;
guarantee regulatory compliance;
ensure uninterrupted access to third-party integrations; or
produce Outputs that are always complete or accurate.

22.2 AI disclaimer

Artificial Intelligence is designed to assist Customers rather than replace human judgement.

Purpl makes no representation or warranty that AI-generated Outputs will always be:

accurate;
complete;
current;
suitable for a particular purpose;
free from bias or inconsistency.

Customers remain responsible for independently reviewing AI-generated Outputs before acting upon them.

22.3 Professional judgement

The Services support business operations by providing software tools and analytical capabilities. The Services are not a substitute for professional judgement.

Where accounting, tax, legal, regulatory, investment or other professional advice is required, Customers should consult appropriately qualified advisers.

23. Limitation of liability

23.1 Exclusion of certain losses

To the fullest extent permitted by Applicable Law, neither Purpl nor its affiliates, directors, officers, employees, contractors or licensors shall be liable for any indirect, incidental, consequential, exemplary, punitive or special damages arising from or relating to the Services or these Terms.

This includes, without limitation:

loss of profits;
loss of revenue;
loss of business opportunities;
loss of goodwill;
loss of anticipated savings;
loss of reputation;
business interruption;
financing delays;
tax assessments;
regulatory penalties incurred by the Customer;
loss resulting from reliance upon Outputs;
loss arising from Customer Data provided by the Customer.

23.2 Liability cap

Subject to Section 23.4, Purpl's total aggregate liability arising from or relating to the Services or these Terms shall not exceed the total Fees actually paid by the Customer during the twelve (12) months immediately preceding the event giving rise to the claim.

For Customers using a free Subscription Plan, Purpl's liability shall be limited to the maximum amount permitted by Applicable Law.

23.3 Third-party services

Purpl is not responsible for losses arising from:

banking institutions;
payment providers;
cloud infrastructure providers;
communications providers;
AI providers;
government systems;
telecommunications failures;
internet outages;
external software integrations; or
any other third-party technology outside Purpl's reasonable control.

23.4 Non-excludable liability

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded under Applicable Law, including liability arising from:

fraud;
fraudulent misrepresentation;
wilful misconduct;
death or personal injury where exclusion is prohibited by law; or
any other liability that Applicable Law does not permit to be excluded.

24. Customer indemnity

The Customer agrees to defend, indemnify and hold harmless Purpl, its affiliates, directors, officers, employees, contractors and licensors from claims, liabilities, damages, losses, costs and expenses (including reasonable legal fees) arising directly from:

the Customer's breach of these Terms;
unlawful use of the Services;
Customer Data;
infringement of third-party intellectual property rights by Customer Data;
violation of privacy or data protection laws resulting from Customer instructions or Customer Data;
fraud or intentional misconduct by the Customer or its Authorised Users;
failure to maintain reasonable Account security;
decisions made solely by the Customer using Outputs generated through the Services.

This indemnity does not apply to the extent that the relevant claim results directly from Purpl's own breach of these Terms, negligence or wilful misconduct.

Part V — General

25. Force majeure

Neither party shall be liable for any delay or failure in performing its obligations under these Terms where such delay or failure results from circumstances beyond its reasonable control.

Examples include:

natural disasters;
flood;
fire;
epidemic or pandemic;
war;
terrorism;
civil unrest;
labour disputes;
widespread cyberattacks;
internet outages;
utility failures;
governmental action;
sanctions;
failures of essential third-party infrastructure.

The affected party shall use reasonable efforts to minimise the effects of the event and resume performance as soon as reasonably practicable.

26. Electronic communications and records

The Customer agrees that Purpl may provide notices, disclosures, invoices, legal documents and other communications electronically.

Communications may be delivered through:

the Services;
email;
push notifications;
dashboard notifications;
SMS; or
other electronic communication methods designated by Purpl.

Electronic communications satisfy any legal requirement that communications be in writing, to the extent permitted by Applicable Law.

26.1 Electronic acceptance

The Customer agrees that the following may constitute legally binding acceptance, approval or authorisation:

clicking an acceptance button;
selecting a checkbox;
electronic signatures;
digital signatures;
one-time password verification;
authenticated in-application actions;
workflow approvals;
audit logs maintained by the Services.

27. Changes to these Terms

Purpl may update these Terms from time to time to reflect:

changes to the Services;
legal or regulatory developments;
technological improvements;
security requirements;
commercial changes.

Where changes materially affect the Customer's rights or obligations, Purpl will provide reasonable prior notice through appropriate communication channels.

Continued use of the Services after the effective date of revised Terms constitutes acceptance of the updated Terms.

If the Customer does not agree with the revised Terms, the Customer must discontinue use of the Services before the revised Terms become effective.

28. Governing law and dispute resolution

These Terms shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre (DIFC), United Arab Emirates.

Subject to any mandatory rights available under Applicable Law, the courts of the DIFC shall have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Services.

Before commencing formal legal proceedings, the parties agree to use reasonable efforts to resolve disputes through good-faith discussions.

Nothing in this Section prevents either party from seeking urgent interim or injunctive relief where necessary to protect its legitimate rights.

29. Miscellaneous

29.1 Entire agreement

These Terms, together with the Privacy Policy and any applicable Order Form or Subscription Plan, constitute the entire agreement between the parties regarding the Services and supersede all prior discussions, negotiations and agreements relating to the same subject matter.

29.2 Assignment

The Customer may not assign or transfer these Terms without Purpl's prior written consent.

Purpl may assign these Terms in connection with:

a merger;
acquisition;
financing;
corporate restructuring;
sale of assets; or
transfer to an affiliate,

provided such assignment does not materially reduce the Customer's rights under these Terms.

29.3 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid provision shall be replaced, where possible, with a lawful provision that most closely reflects the original commercial intent.

29.4 Waiver

Failure by either party to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing.

29.5 Independent parties

Nothing in these Terms creates:

a partnership;
joint venture;
employment relationship;
agency;
fiduciary relationship; or
franchise

between Purpl and the Customer. Each party acts as an independent contracting party.

29.6 Survival

The following provisions survive termination or expiry of these Terms:

Intellectual property;
Confidentiality;
Customer Data provisions;
Privacy obligations;
Warranties and disclaimers;
Limitation of liability;
Indemnity;
Governing law and dispute resolution; and
any provision which by its nature is intended to survive termination.

Acceptance

By creating an Account, subscribing to a Subscription Plan, accessing the Services or otherwise using Purpl, the Customer acknowledges that it has read, understood and agrees to be bound by these Terms of Service.

Version history

2.0 — 31 July 2026 — Consolidated Terms of Service for production release. Supersedes the pilot terms; pilot-phase framing removed.
Pilot v1.0 — 24 June 2026 — Pilot Terms & Conditions, superseded by 2.0.