Last Updated: October 2026

Terms and Conditions

Paylo is a product owned and developed by Fanal, a Saudi-based company specializing in digital transformation and software solutions.
By using Paylo or any of its services, you agree to comply with these Terms and Conditions. Please read them carefully before using the app.

Definitions

App: refers to the Paylo mobile application and all related digital services.
User: any individual who creates an account or uses the app in any capacity.
Company: refers to Fanal, the owner and operator of Paylo.
Services: include invoice creation, storage, sharing, and management features provided through the app.

Use of the App

Users must use the app for lawful purposes in compliance with Saudi regulations.
Creating or sending fake or misleading invoices is strictly prohibited.
The user is solely responsible for the accuracy of all data entered into the app.
The company reserves the right to suspend or terminate any account in case of misuse or violation of these terms.

3. Account Creation and Access

A valid Saudi phone number is required to activate an account.
Users are responsible for maintaining the confidentiality of their login information.
Any suspected unauthorized access must be reported immediately to support@paylo.sa.

4. Intellectual Property

All components of the app (logo, design, software, content) are the intellectual property of Fanal.
No part of the app may be reproduced, modified, or reused without prior written consent from the company.

5. Invoice Services

Paylo provides tools to generate invoices compliant with ZATCA requirements.
Fanal or Paylo is not liable for any errors caused by incorrect user input.
Electronic invoices generated through the app are considered assistive tools and do not replace official tax records.

6. Subscriptions and Fees

The company may offer free or paid plans and may set or change their prices as needed.
Any fees or additional features will be shown clearly before you subscribe or pay.
Paylo Pro is purchased through Apple’s in-app purchase system, and payment is charged to your Apple ID account when you confirm the purchase.
The subscription renews automatically at the end of each period at the same price, unless you cancel it at least 24 hours before the current period ends.
You can manage or cancel your subscription in your Apple ID settings on your device. It stays active until the end of the paid period.
Refund requests are subject to Apple’s policies and are made through Apple directly.
Deleting your account does not cancel your subscription automatically.

7. Limitation of Liability

The app is provided “as is” without any express or implied warranties.
The company is not responsible for any direct or indirect damages arising from app usage or service interruptions.
Users are responsible for backing up their own data and documents.

8. Updates to the Service or Policy

The company may update these Terms and Conditions at any time.
Continued use of the app after updates constitutes acceptance of the new terms.

9. Termination and Account Deletion

You can request deletion of your account at any time in the app (Settings → Delete account) or via support@paylo.sa.
The company reserves the right to suspend or terminate any account in case of violation or misuse.
On deletion or termination, account data and personal data are permanently deleted within 30 days, except tax invoices, which we are legally required to keep for six years, as described in the Privacy Policy.
A deleted account cannot be restored. You are responsible for saving a copy of your invoices before requesting deletion.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the Kingdom of Saudi Arabia, and any disputes shall be subject to the exclusive jurisdiction of the courts of Riyadh.

For any questions or comments regarding these Terms and Conditions, please contact us at: support@paylo.sa