BYZATK

Terms of Use

Last updated: 8 November 2026

These Terms of Use ("Terms") are an agreement between you and The-IK Tech Lab, commercial registration (CR) No. 202447-1, domiciled in Manama Municipality, Kingdom of Bahrain ("Byzatk", "we", "us", "our"), the owner and operator of the Byzatk mobile app and the website www.byzatk.com (together, the "Service").

By creating an account, signing in or using the Service, you confirm that you have read, understood and agreed to these Terms and to our Privacy Policy and Refund Policy. If you do not agree, please do not use the Service.

1. What Byzatk is — and what it is not

Byzatk is a personal finance assistant for record-keeping, accounting and budgeting. It helps you record and organise your own income, expenses, wallets, budgets, saving goals, subscriptions, loans and documents, and shows you reports and AI-generated insights based on what you record.

Byzatk is not a bank, payment service, money exchange, lender, investment firm, insurer, or a licensed financial, investment, tax or legal advisor. Byzatk does not hold, move, send, receive, exchange or invest money, and it is not connected to your bank accounts or cards.

Every amount in Byzatk is a record that you entered, imported or confirmed. Features that "pay", "transfer", "save" or "post" automatically (for example automatic payment of a subscription or loan, salary income, recurring entries or saving-goal auto-save) only create records inside the app and never move real money. Your bank and card issuer are the only source of truth for your real balances.

Statements, reports and PDF files produced by Byzatk are summaries of your own records. They are not bank statements or official documents.

Nothing in the Service, including anything produced by our AI assistant, is financial, investment, legal, tax or accounting advice. You alone are responsible for your financial decisions. Please consult a qualified professional before making important financial decisions.

2. Eligibility

  • You must be at least 18 years old and legally able to enter into a binding contract.
  • You may use the Service only for your own personal, non-commercial purposes (or, on the Family plan, together with the members you invite).
  • You must not use the Service if you are barred from doing so under any applicable law, including sanctions laws.

3. Your account and security

You create an account with your email address and a password, confirmed by a one-time code sent to your email, or with Sign in with Apple or Sign in with Google. You must give accurate information and keep it up to date.

After signing in, the app asks you to set a passcode, which you may unlock with Face ID or fingerprint. You are responsible for:

  • keeping your password, passcode, email account and phone secure and not sharing them;
  • all activity under your account, unless it results from our failure to protect the Service.

Tell us at once at help@byzatk.com if you believe someone else has accessed your account. For your protection we may temporarily lock sign-in after repeated wrong passwords or codes, sign you out of devices, or ask you to confirm your identity.

4. Your data and how transactions enter Byzatk

You own the information you put into Byzatk ("Your Data"). You give us a limited, non-exclusive licence to store, process and display Your Data only to provide, secure and improve the Service for you, as described in our Privacy Policy. We do not sell Your Data.

Transactions enter Byzatk only in ways you choose:

  • entering them yourself;
  • pasting or sharing a bank message into the app;
  • scanning a receipt or importing a bank statement file;
  • automatic capture that you turn on yourself: an Apple Shortcuts automation for Apple Pay payments on iPhone, or, on Android, reading payment notifications only from the wallet and banking apps you allow.

Byzatk never reads your SMS inbox or call log. Captured and imported items wait in a review list and are added only after you confirm them. Reading of messages, receipts and statements (including by AI) can make mistakes, so please check what you confirm.

When you record information about other people (for example names or phone numbers for bill splitting, or family members), you confirm that you are allowed to share it with us for that purpose.

5. AI features

Some features use artificial intelligence provided by Alibaba Qwen AI (Singapore), for example the BYZATK chat assistant, reading bank messages and receipts, voice entry and insights. The app asks for your consent before your messages are read by AI.

Before anything is sent to the AI, card numbers are reduced to their last 4 digits and only the information needed for the request is sent. The AI cannot create, change or delete your records.

AI answers can be incomplete, out of date or wrong. They are for information only and are not advice. AI features use credits included in your plan; a request uses credits even when the answer is not useful to you. You must not use the AI features to create unlawful, harmful, abusive or misleading content.

6. Plans, free trial, payments and cancellation

Byzatk offers a free trial and paid plans (such as Basic, Pro and Family) with different features and monthly limits, as shown in the app. Monthly limits reset at the start of each calendar month (UTC).

Paid plans are sold only through the Apple App Store and Google Play (the "Stores"), at the price, currency and taxes shown by the Store before you confirm. Payment is processed by the Store, and the Store's own terms also apply.

Subscriptions renew automatically at the end of each period unless you turn off auto-renew at least 24 hours before the period ends. You can manage or cancel your subscription in your App Store or Google Play account settings. Deleting the app does not cancel a subscription. If a free trial is offered and you do not cancel before it ends, the Store charges you for the plan you chose.

Refunds are covered by our Refund Policy.

When all paid subscriptions on your account have ended, your account becomes read-only (you can view, export and restore, but not add or change records). If you do not renew within 30 days, the cloud copy of your data (records, files and chat) is permanently deleted; your account and billing record remain. Data created during a free trial that does not become a paid plan is deleted when the trial ends. Export your data before then if you want to keep it.

7. Acceptable use

You must not:

  • use the Service for any unlawful purpose, including fraud, money laundering or the financing of terrorism;
  • upload content that is unlawful, infringing, malicious, or that you have no right to share;
  • access, or try to access, another person's account or data;
  • copy, modify, reverse engineer or decompile the Service, except where the law allows it;
  • interfere with, overload, scan or test the security of the Service without our written permission;
  • use bots or automated means to access the Service, other than features we provide;
  • resell, rent or commercially exploit the Service, or get around plan limits, credits or security controls.

We may suspend or close accounts that break these rules.

8. Family plan, sharing and support access

On the Family plan, the organiser can invite members. Each member keeps their own account and private records; only items a member chooses to share are visible to the family. Bill splitting records amounts owed between people; Byzatk does not collect or send payments between people.

If you ask for help, you may give our support team time-limited access to specific information in your account. Access is given only with your permission, ends automatically, is recorded, and can be withdrawn at any time.

9. Export, deletion and termination

You can export your data from the app and stop using the Service at any time. You can delete your account in the app (More → Delete account) or at www.byzatk.com. Deletion is confirmed with a code sent to your email and happens after a short grace period (currently 7 days); signing in during that period cancels it. After deletion your personal data is erased and your financial records are anonymised, as described in our Privacy Policy. Deleting your account does not cancel a Store subscription.

We may suspend or end your access, with notice where reasonably possible, if you seriously or repeatedly break these Terms, if the law requires it, or to protect you, other users or the Service.

10. Intellectual property

The Service, including its software, design, logos, the name "Byzatk", texts and graphics, belongs to The-IK Tech Lab or its licensors and is protected by law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control, under these Terms and the Store's rules. You may not use our name or logo without our written permission.

11. Disclaimers and limitation of liability

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we do not promise that the Service will be uninterrupted or error-free, or that its calculations, exchange rates, AI answers, reminders, imports or automatic features will be complete, accurate or timely. Exchange rates shown are indicative only.

To the fullest extent permitted by law, we are not liable for:

  • payments you miss or make, or fees, interest or penalties charged by others;
  • decisions you take based on the Service;
  • any indirect, incidental, special or consequential loss, or loss of profits, savings, data or opportunity.

To the fullest extent permitted by law, our total liability for all claims relating to the Service is limited to the amount you paid for the Service in the 12 months before the event giving rise to the claim. Nothing in these Terms limits liability that cannot be limited by law, or your rights as a consumer under mandatory law.

12. Indemnity

To the extent permitted by law, you agree to cover our reasonable losses and costs arising from your breach of these Terms, your unlawful use of the Service, or content you upload that infringes the rights of others.

13. Changes

We may change, add or remove features, plans and limits to improve the Service, for security, or to comply with the law. We may update these Terms; we will publish the new version with its date in the app and on www.byzatk.com and, for important changes, ask you to accept them before you continue. If you do not accept, you may stop using the Service and delete your account.

14. Apple and Google

If you downloaded the app from the Apple App Store:

  • these Terms are between you and The-IK Tech Lab only, not Apple, and we, not Apple, are responsible for the app and its content;
  • Apple has no obligation to provide maintenance or support for the app;
  • if the app fails to meet an applicable warranty, you may notify Apple, which may refund the app's purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation for the app;
  • Apple is not responsible for claims relating to the app, including product liability, legal or regulatory compliance, consumer protection or privacy claims, or claims that the app infringes third-party intellectual property;
  • you confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and are not on any U.S. Government list of prohibited or restricted parties;
  • you must comply with applicable third-party terms when using the app;
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

If you downloaded the app from Google Play, Google Play's terms also apply, and Google is not responsible for the app.

15. Governing law and disputes

These Terms are governed by the laws of the Kingdom of Bahrain. Before starting a formal claim, please contact us at help@byzatk.com so we can try to resolve the issue. If it is not resolved, the courts of the Kingdom of Bahrain have jurisdiction, without affecting any right you have under mandatory law to bring a claim in your country of residence.

16. General

These Terms, together with our Privacy Policy and Refund Policy, are the entire agreement between you and us about the Service. If any part is found invalid, the rest remains in force. If we do not enforce a right immediately, we have not waived it. You may not transfer your rights without our consent; we may transfer ours to a company that takes over the Service and will tell you if we do.

17. Contact

The-IK Tech Lab — CR No. 202447-1, Manama Municipality, Kingdom of Bahrain