Terms of Service

Clear terms for clear service

These Terms of Service govern your use of Ratio's website, services, applications, and Ratio Volt. By accessing our platform, you agree to these Terms.

Last Updated: November 2025

1. Service Scope

Ratio provides:

  • Bookkeeping and accounting services
  • VAT and Corporate Tax compliance services
  • Payroll and WPS processing
  • Financial reporting and advisory
  • Access to Ratio Volt for document sharing and process visibility

2. User Responsibilities

  • Provide accurate and timely data
  • Ensure that documents uploaded to the system are correct
  • Maintain confidentiality of login credentials
  • Use the platform in accordance with UAE laws

3. App Usage Terms

  • Ratio Volt is provided for submitting documents, reviewing reconciliation status, and monitoring accounting progress
  • You may not reverse-engineer, reproduce, or misuse the app
  • We may suspend access for misuse, non-payment, or security risk

4. Payment & Billing

  • Monthly fees apply based on service package
  • Fees are invoiced monthly unless otherwise agreed
  • Late payments may impact service delivery timelines

5. Confidentiality

Ratio maintains strict confidentiality for all client information. Employees are bound by confidentiality agreements and role-based access is enforced at all levels.

6. Limitation of Liability

  • Ratio is not responsible for losses arising from incorrect or incomplete information provided by the user
  • Reports and filings are based on the data shared by the client
  • Ratio is not liable for third-party system failures (banks, POS, government portals, etc.)

7. Termination

Either party may terminate services with written notice in accordance with the engagement agreement.

Upon termination:

  • Access to Ratio Volt may be removed
  • Data retention follows regulatory requirements

8. Intellectual Property

All content, designs, workflows, and platform features remain property of Ratio. Users may not copy or replicate any part of the platform.

9. Compliance

You agree to comply with:

  • UAE Financial and Tax Regulations
  • FTA guidelines
  • Local labour and compliance rules where applicable

10. Governing Law

These terms are governed by the laws of the United Arab Emirates.

11. Contact

For support or legal inquiries:

info@ratio.ae

Your Agreement with Ratio

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

These terms ensure clarity, accountability, and mutual respect in our professional relationship.

Questions about our terms?

We're here to help. Contact us for any questions or clarifications.

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