This End User Licence Agreement (this “Agreement”) sets forth the legally binding terms between Aderfia FZ, LLC. (Doing business as “Totably”) (“Totably,” “us,” or “we”) and you, as an end-user of its mobile payment application for iOS and Android (Totably) and the associated website (maintained at (collectively, the “App”).  

By clicking the “I AGREE” button or by installing the App, you agree, effective as of such date (the “Effective Date”) to be bound by this Agreement. You also agree to our Privacy Policy, which is incorporated by this reference, and consent to the practices concerning data collection, transmission and use set forth therein. 

Totably will not deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctioned countries in accordance with the UAE Law.


  1. Representations About You. The App and any associated websites are not designed for use by children under the age of 18, and we do not intentionally collect personal information from children through the App. You represent and warrant to us that you are at least 18 years of age. Also, you represent and warrant that (i) you have read and understood this Agreement, (ii) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; (iii) you are not listed on any U.S. Government list of prohibited or restricted parties;(iv) you are not located in an OFAC sanctioned country, and (v) the information that you provide to us about you in connection with the App will be current, true, accurate, supportable and complete, and promise that you will update this information to keep it current. 

  2. License Grant.  Subject to the terms of this Agreement, Totably hereby grants you a limited, non-exclusive and nontransferable license to download, install, display, perform, access and use the App on a single smart phone, tablet or other mobile device that you own or control for your personal, non-commercial use solely within the United Arab Emirates. 

  3. License Restrictions.  You shall not: (i) copy the App or any element thereof, except as expressly permitted by this license; (ii) modify, translate, adapt, or otherwise create derivative works or improvements of the App or any element thereof; (iii) reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the App or any element thereof; (iv) remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notice from the App; (v) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the App or any features or functionality of the App, to any third party for any reason, including making the App available on a network where it is capable of being accessed by more than one device at any time; or (vi) use the App to violate any applicable law, including without limitation any law regarding the purchase or sale of alcoholic beverages. If for some reason these restrictions are prohibited by applicable law or by an agreement we have with one of our licensors, then the activities are permitted only to the extent necessary to comply with such law or license(s).  

  4. Reservation of Rights. You acknowledge that the App is licensed, not sold, to you. Totably reserves all rights in and to the App not expressly granted to you under this Agreement. You do not acquire any ownership interest in the App under this Agreement. Totably and its licensors and service providers reserve and retain the entire right title and interest in and to the App, including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement. If you submit comments, suggestions, or other feedback regarding the App (“Feedback”), Totably will be free to use such Feedback for any purpose. The wordmarks “TOTABLY” and the “Totably” logos and all associated marks and logos displayed within the App are our trademarks (unless otherwise noted).

  5. Third Party Establishments. You acknowledge and agree that the App is a tool that enables you to make purchases and to settle, pay for or close (“Closeout”) a check, bill, tab, owed payment or other transaction, whether individually or as a “split” transaction with other users (each a “Transaction”), with third-party establishments, including but not limited to restaurants or bars (each, an “Establishment”). You acknowledge that all products and/or services received as part of the Transactions are between you and the Establishments and that Totably only provides a medium to Closeout the said Transaction, unless otherwise clearly and duly noted. Totably is not responsible for examining or evaluating the quality, or any other aspect of such products or services of any Establishment and will not have any liability or responsibility to you or any other person thereof. Any Establishment that allows you to use the App to Closeout a Transaction retains the right to settle your payment should you fail to properly Closeout your Transaction either as a result of your failure to use the App to pay for the payment or if the App does not properly pay such payment. Any Establishment that allows you to use the App to Closeout any Transaction retains the right to request that you authorize such payment by other means including, but not limited to, signing a printed receipt or delivering a final check, bill or tab to you. You acknowledge that, should you dispute any charge that appears on your credit or debit card statement related to your use of the App to pay for a Transaction in an Establishment, any chargeback for such charge shall apply to such Establishment and that we will not have any liability to you.

  6. Access to Transactions. In order to access the information or Closeout any Transaction, you must first successfully register an account with Totably and store one or more payment methods, whether bank cards or otherwise, by which to Closeout a Transaction (each a “Stored Payment Method”). You hereby agree that Totably may test the validity of any Stored Payment Method by charging a negligible sum and refunding it immediately. By scanning a QR code in connection with the App (a “Totably QR Code”) at any Establishment, you will be granted access to a Transaction. You agree that you will not knowingly attempt to access a Transaction on the App if you are not the beneficiary or receiver of any of the good and/or services that may be listed in that Transaction. Should you mistakenly scan a Totably QR Code or access a Transaction that is not linked to goods and/or services provided to you, you must contact a Totably representative on the address listed in paragraph 28 below within 12 hours or inform the Establishment hosting such Transaction or Totably QR Code. If you fail to inform the Establishment or Totably that you have accessed a Transaction mistakenly, you agree that you have effectively warranted that you are the beneficiary or receiver of the goods and/or services listed in that Transaction. Once you report to the Establishment or Totably that you have mistakenly accessed a Transaction, Totably and the Establishment will conduct an investigation to verify that the goods and/or services in that Transaction were not attributable to you (a ‘Verification’) before removing you from the Transaction. You hereby acknowledge that the Verification process may take up to 7 working days to process, and any consequent refund resulting from a Verification is subject to the terms in paragraph 10 below.

  7. Automated Payment. Subject to paragraph 6 above, Upon being granted access to a Transaction, you hereby warrant that you are the beneficiary and/or receiver of the services and/or goods listed in that Transaction. You further warrant that upon accessing a Transaction that you are liable to Closeout the Transaction by providing consideration for the goods and/or services listed in the Transaction to the Establishment which has provided such goods and/or services, whether facilitated through the App or otherwise. Should you fail to Closeout a Transaction, whether through the App or by alternative means, within 12 hours of being granted access to the Transaction, you hereby agree and permit Totably to automatically deduct any due payments from your Stored Payment Methods on the App to settle any due amounts under that Transaction. Should you and multiple other individuals access a Transaction simultaneously, you hereby agree that you are jointly and severally liable to Closeout that Transaction along with the other individuals with access to that Transaction.below.

  8. Accepted Currencies and Forms of Payment. Totably only accepts payments made in United Arab Emirates Dirhams (AED) processed from VISA or Mastercard bank cards issued for United Arab Emirates’ bank accounts only. No other currency or bank card payment transaction processor will be accepted on the App

  9. Additional Charges.  If you use the App to Closeout a Transaction in an Establishment, or if an Establishment closes out a Transaction on your behalf, Totably may charge an additional transactional fee (“Totably Fees”) that you will be notified of and would appear on your bill. Furthermore, the Establishment, not Totably, may also add an additional charge to the Transaction, which you would also be notified of and would appear on your Transaction. You acknowledge that Totably does not determine or mandate any such charge amount and you hereby agree to pay such additional charges as a condition to entering into the Transaction via the App.  

  10. Refunds.  You acknowledge and agree that it is your responsibility to review your bill and its amount to ensure that it correctly reflects services and products already provided to you by an Establishment. In the case of you requiring a refund, you hereby agree to raise your request with the Establishment that has provided you with their products and/or services, who will in turn initiate the request, which we hereby acknowledge that we will comply with. You acknowledge that any refund will only be done through the original mode of payment, and you would allow for a period not exceeding 30 days for the refund request to be processed.

  11. Cancellations. Unless subject to paragraph 9 above, We only bill you for items that have been ordered directly by you in an Establishment, and we encourage you not to settle your bill till after these items have been duly delivered by the  Establishment to you. In the event requiring a cancellation, you hereby acknowledge that cancellation requests on any item must also go through the Establishments, in the same means they were ordered, and we are in no way part of the process of approving or rejecting a cancellation request. In the event of a cancellation request being approved, you hereby allow for a period of no more than 24 hours for the request to be reflected on your bill, and in the case of the cancellation request being approved after the settlement of the bill, you adhere to clause 8 (“Refunds”) of this agreement.

  12. Acknowledgements Regarding Apple, Inc., Google Inc. and other App Store Providers. You acknowledge that this Agreement is between you and Totably and not with Apple, Inc. (“Apple”), Google Inc. (“Google”) or any sponsor or provider of any application marketplace (each an “App Store Provider”) and that Totably (not the applicable App Store Provider) is responsible for the App. YOU ACKNOWLEDGE AND AGREE THAT NO APP STORE PROVIDER MAKES ANY WARRANTIES OR HAS ANY OBLIGATIONS WHATSOEVER UNDER THIS AGREEMENT OR HAS ANY WARRANTY OBLIGATIONS WITH RESPECT TO THE APP. You acknowledge that App Store Provider have no obligation whatsoever to furnish any maintenance and support services with respect to the App or for addressing any claims relating thereto or your possession and/or use thereof, including, but not limited to (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. You further acknowledge that App Store Providers have no responsibility for the investigation, defense, settlement or discharge of any third party intellectual property claims that the App or your use thereof infringes intellectual property rights.

  13. If you are using the App on any iOS-based device, this license is granted to you only as permitted by and subject to any applicable Usage Rules set forth in the Apple App Store Terms and Conditions and Apple and its subsidiaries are third party beneficiaries. Upon your acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third party beneficiary hereof. If you are using the App on any Android-based device, this license is granted to you only as permitted by and subject to any applicable Android Market Terms of Service established by Google.

  14. Maintenance. Scheduled system maintenance shall take place from time to time, and during such time, updates the App or elements thereof may be unavailable. Emergency maintenance may be required at other times in the event of system failure. You specifically acknowledge that outage and downtime may occur. If the App is down when you attempt to complete a Transaction, you must make alternative arrangements to pay the applicable Establishment. 

  15. Updates. Totably may, but is not required to, develop and provide App updates from time to time, which may include upgrades, bug fixes, patches and other corrections or new features (collectively, “Updates”). Updates may also modify or delete in their entirety certain features or functionality. You agree that Totably has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on the settings of your mobile device, when your device is connected to the Internet, the App may automatically download and install available Updates, or you will be prompted to download and install available Updates. You acknowledge that the App or any of its features may not operate properly if you fail to install Updates and Totably may, in its sole discretion, cease supporting prior versions of the App after an Update is made available. You further agree that all Updates will be deemed part of the App and subject to the terms of this Agreement. 

  16. Confidentiality. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for any and all activities that occur under your password or account. You agree to notify Totably of any unauthorized use of your password or account. Totably will not be liable for any loss or damage arising from your failure to comply with this section.

  17. Governing Law and Jurisdiction. United Arab of Emirates (UAE) is our country of domicile. This Agreement shall be governed by and construed in accordance with UAE law. Disputes arising in connection with the terms contained herein (including non-contractual disputes) shall be subject to the exclusive jurisdiction of the courts of the UAE. 

  18. Communications. You consent to receive communications, including commercial communications (whether by phone, email or text) from Totably and our third party partners, which may include Establishments and other third parties, including without limitation brands. You acknowledge and agree that your primary phone numbers and email addresses and other information may be used for the purpose of initiating commercial messages.  Your consent to receipt of such messages is not, and will not be, a condition to any purchase. If at any time you change your mind regarding your consent to such messages, you must Contact Us. You may opt out of receiving messages that are primarily commercial in nature, but in order to stop receiving all messages from Totably (including messages related to Transactions and your account), you will need to terminate your account. If the App enables you to send or receive SMS messages, standard text messaging rates or other carrier charges may apply to such use.

  19. Push Notifications. Totably may send you “push notifications” if your device supports such communications. By downloading the App and clicking to allow push notifications, you “opt-in” to receive these push notifications via the App, including notifications that contain commercial messages from Totably and our third party partners. Should you wish to stop receiving push notifications via the App, you may turn off these notifications through the applicable settings on your device.

  20. Third Party Offerings. To enjoy certain third party offerings made available in the App, certain third party terms (each, “Third Party Terms”) may apply. Third Party Terms will be presented for review and acceptance at the time that you undertake such activity within the App, and any such Third Party Terms shall constitute an agreement between you and such third party. We are not responsible for such third party offerings. Further, the App may display, include, or make available content, data, information, applications, or materials from third parties (“Third-Party Materials”) or provide links to certain third-party websites. By using the App, you acknowledge and agree that Totably is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect of such Third-Party Materials or websites. Totably does not warrant or endorse and will not have any liability or responsibility to you or any other person for any Third-Party Materials or websites, or any other materials, products, or services of third parties. Third-Party Materials and links to other websites are provided solely as a convenience to you.

  21. Limitations on Availability. The App is based in the United Arab Emirates and is provided for access and use by persons in the United Arab Emirates. We make no representation that the App is available or permitted in any particular location. Use of the App is void where prohibited. You use the App at your own discretion and are responsible for compliance with any applicable laws. We may also impose limits on the use or access to the App as required by law.

  22. Receipts of Card Transactions. Whenever you authorize a card payment on the App we will send a receipt of the transaction to the email address associated with the account on which the transaction was made. By using the App, you agree to keep a copy of transaction receipts in addition to the Merchant’s policies and rules.

  23. Term and Termination. The term of this Agreement and the license and other rights granted herein commence on the Effective Date and continue until terminated by Totably or you. You may terminate this Agreement by deleting the App and all copies of it from your mobile device. Totably may terminate this Agreement at any time without notice in its sole discretion, including if it ceases to support the App, or if you fail to comply with one or more terms of this Agreement. Upon termination of this Agreement: (i) all license and other rights granted to you under this Agreement will terminate, and (ii) you must cease all use of the App and destroy all copies, full or partial, of the App. You acknowledge that Totably may restrict, modify, or terminate this Agreement, without liability, for its convenience, or if you violate this Agreement or any law, rule, or regulation. 

  24. Disclaimers and Limitations of Liability. This section is important – please read it carefully – it limits Totably’s liability (and the liability of its affiliates) to you. These disclaimers and limitations apply only to the extent permitted by applicable law. Some jurisdictions do not allow disclaimers of implied warranties or limitations of liability, so this Section may not apply to you. 



  25. Disputes Between You and an Establishment or other User.  You are solely responsible for your interactions and Transactions with Establishments or other users of the App. You hereby agree to look solely to such Establishments and other users for any claim, damage or liability associated with any Transaction commissioned via the App and expressly waive and release Totably from any and all claims, damages and liabilities arising out of any act or omission of any Establishment, other user or third party.

  26. Export and Other Restrictions. You may not use or otherwise export or re-export the App or elements thereof except as authorized by United Arab Emirates law and the laws of the jurisdiction in which the App was accessed or obtained. 

  27. Amendments. This Agreement will not be changed, modified, or amended except by a writing executed by both parties or if you electronically accept a subsequent agreement or amendment delivered by Totably via a click-to accept mechanism. 
  28. Contact Us. If you have any questions, inquiries, requests, complaints, or comments regarding this agreement, please contact us through our email, or through our office address at Aderfia FZ LLC, Building 5, TwoFour 54, + 971 (0)2 401 2454, Abu Dhabi, UAE. P.O. Box: 769710.