Terms, protection, and use boundaries

Terms of Use and Service Scope

Last updated: September 5, 2026

Read before use

This is a general operational draft and not a substitute for review by qualified counsel in the relevant jurisdiction. It is written to protect the website and its personnel to the fullest extent permitted by law and does not waive a right that cannot legally be waived. Use of the website means acceptance of the following terms; if you disagree, stop using it.

1. Definitions and protected parties

Website means qrar81.com, its pages, tools, and content. Alqarar means the website owner, operators, administrators, creators, personnel working on or through it, contractors, and supporting providers, each only in their actual capacity. User means every visitor, reader, sender, tool user, service requester, or purchaser when purchasing is available.

2. Binding acceptance and capacity

By using or continuing to browse the website, checking an acceptance box, sending a request, or starting a purchase, the user confirms that they have read, understood, and accepted this agreement and the Privacy Policy. A user who disagrees must stop using the website. The user confirms legal capacity or valid authority to act for the entity they represent.

3. Scope and nature of the service

Alqarar provides educational and advisory content, tools, and structured paths that help organize a question, information, alternatives, action plan, and next step. The website does not provide financing, personalized investment recommendations, legal representation, or medical or psychological diagnosis or treatment. The scope, deliverable, and delivery method are stated clearly before tailored work is accepted.

4. No automatic professional relationship

Browsing, using a tool, or sending a question, form, or text does not create a contract, agency, partnership, fiduciary, consulting, legal, medical, psychological, or financial relationship. A paid relationship arises only after clear written acceptance of scope, terms, price, and delivery method, and when payment is officially available.

5. No duty to respond or provide free service

A user may send a lawful inquiry or complaint, but submission creates no right to an immediate or free response, response time, acceptance, priority, or compensation unless included in an accepted written scope. A message does not suspend a legal or contractual deadline; users must protect their deadlines and rights through the competent channels.

6. Financial, investment, credit, and tax boundaries

The website organizes questions, information, and alternatives involving investment, trading, financing, credit, insurance, tax, repayment, or financial products. It does not provide financing, personalized investment recommendations, or credit services. Specialized decisions continue with the relevant official authority or licensed professional before commitment.

7. Legal and regulatory boundaries

The website organizes questions, documents, and next steps relating to legal and regulatory matters. It does not provide legal representation or binding legal opinion. The appropriate authority or qualified lawyer handles legal opinion and formal procedure for the relevant country, facts, and time.

8. Medical, psychological, and health boundaries

The website organizes the question, context, and follow-up step when discussing behavior, emotion, or decisions. It does not provide medical or psychological diagnosis, treatment, or therapy. A clinician, licensed professional, or local emergency service is the appropriate route for health or psychological needs.

9. Historical, ethical, moral, social, and cultural material

Historical, social, ethical, moral, or cultural topics are presented as general material open to discussion and are not a final judgment or religious, academic, or official authority. To the fullest extent permitted by law, the protected parties are not responsible for a decision, dispute, or moral or social effect caused by extracting content from context or interpreting it beyond its stated purpose.

10. Automated and AI-assisted tools

Some tools may use automated rules or artificial-intelligence models to organize an answer or suggest a path. Outputs may be incomplete, inaccurate, or unsuitable for a user's circumstances and serve as an organized starting point, strengthened by the user’s context, source review, and the appropriate professional input before implementation.

11. Building outcomes and implementation responsibility

The website helps users turn awareness and questions into clearer decisions and practical steps that can develop through learning, practice, and consistency. This framework turns context, effort, evidence, and implementation into a structured path toward growth, income, wealth, and success. The written scope defines the deliverable, working method, and next step under applicable law.

12. Duty to verify and assumption of decision risk

Users must check information, sources, prices, rules, deadlines, alternatives, and consequences before acting. Use of content, or a decision not to act because of it, is at the user's risk. General content must not be the sole basis for a material financial, legal, health, business, or personal decision.

13. Accuracy and change over time

The website uses reasonable editorial care but uses organized editorial care, with information read alongside its publication date, sources, and available updates. Markets, rules, platforms, prices, and sources develop after publication, so the latest published context guides use.

14. User-provided materials and data

The user confirms the accuracy of submissions and their right to share them and is responsible for infringement of third-party rights, confidentiality, intellectual property, or law. Do not submit passwords, card details, banking secrets, medical records, highly sensitive information, or another person's data without a lawful basis.

15. Reviews, stories, and comments

Submissions are moderated before publication. Publication follows editorial review, suitability, and available space. Content may be rejected, shortened, editorially corrected, hidden, or removed to protect privacy, accuracy, and rights. Fabricated stories, misleading reviews, and unverifiable outcome claims are prohibited.

16. Intellectual property and licensed use

Original content, design, organization, marks, and published materials are protected by applicable rights. Users receive a limited, personal, non-exclusive, revocable license for lawful reading and use. Broad copying, resale, commercial model training, plagiarism, removal of attribution, or creating a competing copy is prohibited without written permission, subject to uses allowed by law.

17. Prohibited use

The website must not be used for abuse, fraud, deception, impersonation, intrusion, disruption, unauthorized automated collection, circumvention of safeguards, malware distribution, unlawful content, or infringement of third-party rights. Access may be restricted, content removed, or competent authorities notified where misuse occurs.

18. Prices, listings, and contract formation

Any displayed price, description, or availability may be corrected or updated before acceptance. Adding an item to a cart or sending a request creates a contract, reserves a price, or secures an appointment only after written confirmation. A request becomes binding only after written confirmation of service, scope, price, and delivery terms. A typographical or technical error is not a binding offer.

19. Payment and independent processors

When payment is enabled, an independent provider may process it under its own terms and policies. Consultation forms do not request card data. The website is not responsible for processor outages, declined transactions, bank delays, transfer fees, or currency conversion imposed by an independent party. The payment status shown at the time of a transaction controls.

20. Cancellation and refunds

Unless a written offer states otherwise, a user is not entitled to a refund merely because of a change of mind, failure to use the service, a result outside the written scope of the service, incomplete information supplied by the user, or a missed agreed appointment. A tailored service or digital content may become non-refundable after performance begins at the user's request or consent or after delivery. Mandatory rights to cancellation, cure, re-performance, or refund that cannot legally be waived remain applicable.

21. External links, platforms, and services

The website may contain links, integrations, or materials from independent parties. A link or integration points to independent material whose security, availability, and service terms should be reviewed directly. Users must read and verify the third party's terms and policies before providing data or completing a transaction.

22. Privacy and security

The Privacy Policy explains data that forms may collect and its purposes. Digital communication security is strengthened by protecting devices, accounts, and credentials and by keeping sensitive information out of general forms. To the fullest extent permitted by law, the protected parties are not responsible for user negligence or a third-party breach beyond reasonable control.

23. Availability, modification, and suspension

The website, content, or tools may be changed, suspended, discontinued, or restricted according to published service and platform conditions. Technical continuity is managed through the website, hosting, and external platforms, while applicable law governs incidents involving internet, hosting, electricity, external-platform, or force-majeure events.

24. Service scope and applicable terms

The website, general services, tools, and content operate within the published description, the accepted written agreement, and applicable law. The accepted written agreement defines the working scope, deliverable, service conditions, and applicable rights clearly.

25. Excluded categories of damage

To the fullest extent permitted by law, the protected parties are not liable for loss of profit, revenue, opportunity, reputation, data, or time; indirect, incidental, consequential, special, exemplary, or punitive damage; or psychological, emotional, moral, ethical, social, historical, commercial, financial, or technical harm arising from use, inability to use, or reliance on the website. This exclusion does not apply to liability that the law prohibits from being excluded.

26. Maximum aggregate liability

If liability that cannot be excluded is established, the protected parties' aggregate liability is, to the fullest extent permitted by law, limited to the amount actually paid by the user for the specific service giving rise to the claim. This clause does not limit liability that cannot legally be limited and does not create an automatic right to compensation.

27. Indemnity for misuse

To the fullest extent permitted by law, the user agrees to indemnify the protected parties for reasonable claims, losses, and costs arising from unlawful use, breach of this agreement, infringement of third-party rights, or submission of material the user had no right to provide. The indemnity does not apply where the law prohibits assigning responsibility to the user.

28. Force majeure and events beyond control

The protected parties are not responsible for delay or failure caused by events beyond reasonable control, including communications, hosting, power, external-service outages, disasters, governmental action, disruption, or cyberattack, subject to obligations that cannot legally be excluded.

29. Complaints and notices

A user may send a lawful complaint or notice through the contact channel. Submission opens a structured review of the facts, requested remedy, and response path within the applicable channel and terms. Do not include secrets or highly sensitive data. Users retain access to competent statutory channels where applicable law requires it.

30. Applicable law and severability

A transaction is subject to mandatory rules and the governing law determined by the competent authority based on the parties, location, and nature of the service. If a term is unenforceable, it is interpreted or removed only to the necessary extent, and the remaining terms continue. Delay in enforcing a right is not a waiver.

31. Entire agreement and updates

This agreement, the Privacy Policy, and any service-specific written offer form the complete terms for website use. If terms conflict, accepted service-specific written terms govern their scope, followed by mandatory law. The agreement may be updated, and the published version applies to later use from its stated date.

32. Language and final acknowledgment

The agreement is available in Arabic and English for accessibility. Arabic is the website's reference version to the extent permitted by law, subject to mandatory law or an authoritative translation. By continuing to use the website, the user confirms a reasonable opportunity to read, understand, and obtain independent advice before commitment and that the accepted written scope and published terms guide the relationship.

By using the website, the user confirms that they have read the complete agreement and understood the service scope, deliverables, liability limits, and refund terms. The accepted written terms and mandatory law govern each right or claim.