Terms of service the rules of using ETX.
ETX terms of service. Plain-English rules covering accounts, billing, acceptable use, liability, and termination.
Plain English where possible. The legal team has reviewed every word.
1. Who we are
ETX (Emara Tax Expert) is a Software-as-a-Service (SaaS) tax compliance and ERP platform operated and provided by KWS Fintech Services LLC-FZ, a company registered in Meydan Free Zone, Dubai, UAE. KWS Fintech Services LLC-FZ is the SaaS provider and your contracting party for ETX subscriptions. By using ETX you agree to these terms.
ETX is a software tool. ETX helps you prepare, organise and manage your UAE tax filings and accounting records. ETX does not provide tax, legal or accounting advice, and KWS Fintech Services LLC-FZ is not acting as your tax agent. You remain the taxpayer of record. For professional tax advice, consult a licensed UAE tax agent or qualified advisor. KWS also operates a separate accounting and tax advisory practice; any advisory engagement is contracted separately from this ETX software subscription.
2. Your account
You're responsible for activity under your login. Don't share credentials. Use a strong password. Enable 2FA.
3. Subscription & billing
- Plans are monthly or annual. Annual saves 17%.
- Billed in advance via Stripe.
- 14-day free trial on all paid plans, no card required.
- Cancel any time. No refunds on partial months.
4. Acceptable use
Don't: reverse-engineer, resell access without our partner agreement, use ETX for illegal activity, attempt to access other tenants' data.
5. Our liability
ETX prepares draft filings and records based on data you provide. You are legally responsible for reviewing and signing off on every return before submitting it to the FTA, and for the accuracy of what you submit. KWS Fintech Services LLC-FZ is not a licensed UAE tax agent and does not file returns on your behalf through ETX. We will not be liable for FTA penalties, interest, or losses resulting from misclassified, incomplete or omitted data on your side, or from decisions you make based on ETX output. Our maximum aggregate liability under or in connection with ETX is capped at the fees you paid to us in the previous 12 months.
6. Termination
Either side may terminate with 30 days' notice. We may suspend immediately for material breach (non-payment, fraud, misuse).
7. Governing law
UAE law. Disputes settled by Dubai Courts.
8. Changes
We may update these terms. We'll email you 30 days before any material change. Continued use after the effective date means acceptance.