Terms and Conditions

1. Introduction

Welcome to CAHub ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Legal Accountant Platform at cahub.ess-om.com (the "Platform").

We are committed to protecting your privacy and ensuring the security of your personal and financial information. Please read this Privacy Policy carefully. By using the Platform, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

When you register on our Platform, we may collect:

• Full name
• Email address
• Phone number
• National ID or Commercial Registration number
• Business name and registration details
• Tax registration number
• Physical address
• Job title and professional credentials

2.2 Financial Information

• Bank account details for payment processing
• Payment transaction history
• Billing information
• Project budgets and financial documents

2.3 Business Information

• Company size and structure
• Industry sector
• Service requirements
• Project details and specifications
• Financial statements and documents uploaded for services

2.4 Automatically Collected Information

• IP address
• Browser type and version
• Device information
• Operating system
• Pages visited and time spent
• Referring URLs
• Cookies and similar tracking technologies

2.5 Communications

• Messages exchanged through the Platform's messaging system
• Customer support correspondence
• Feedback and reviews
• Survey responses

3. How We Use Your Information

3.1 Platform Services

• Creating and managing user accounts
• Facilitating connections between clients and certified accounting firms
• Processing service requests and projects
• Managing payments and financial transactions
• Providing customer support

3.2 Communication

• Sending service notifications and updates
• Responding to inquiries and requests
• Providing information about new services
• Sending administrative information

3.3 Platform Improvement

• Analyzing usage patterns to improve user experience
• Conducting research and development
• Troubleshooting technical issues
• Monitoring platform performance

3.4 Legal and Security

• Complying with legal obligations
• Preventing fraud and unauthorized access
• Enforcing our Terms and Conditions
• Protecting users' rights and safety
• Resolving disputes

3.5 Marketing (with consent)

• Sending promotional materials about our services
• Conducting market research
• Personalizing user experience

4. Information Sharing and Disclosure

4.1 Certified Accounting Firms

When you submit a project or service request, relevant information is shared with registered and licensed accounting firms on our Platform to enable them to provide quotes and deliver services.

4.2 Service Providers

We may share information with third-party service providers who assist us in:

• Payment processing (licensed by Central Bank of Oman)
• Cloud hosting and data storage
• Email and communication services
• Analytics and performance monitoring
• Customer support tools

4.3 Legal Requirements

We may disclose information when required by law or in response to:

• Court orders or legal processes
• Governmental or regulatory requests
• Investigations of fraud or security issues
• Protection of our rights, property, or safety

5. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All sensitive data is encrypted using high-level encryption protocols (SSL/TLS)
• Access Controls: Limited access to personal information by authorized personnel only
• Secure Servers: Data stored on secure servers with regular security audits
• Payment Security: Payments processed through licensed providers compliant with Central Bank of Oman regulations
• Regular Monitoring: Continuous monitoring for suspicious activity
• Backup Systems: Regular data backups to prevent loss

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as:

• Your account remains active
• Necessary to provide services
• Required by law or regulatory requirements
• Needed to resolve disputes or enforce agreements

Financial transaction records are retained for a minimum of 7 years in compliance with Omani accounting and tax regulations.

You may request deletion of your account and personal data, subject to legal retention requirements.

7. Your Rights

You have the following rights regarding your personal information:

7.1 Access and Correction

• Request access to your personal information
• Update or correct inaccurate information through your account settings

7.2 Data Portability

• Request a copy of your data in a structured format

7.3 Deletion

• Request deletion of your account and personal data (subject to legal obligations)

7.4 Withdrawal of Consent

• Withdraw consent for marketing communications
• Opt-out of non-essential data processing

To exercise these rights, contact us at: care@cahub.com

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Maintain session information
• Remember user preferences
• Analyze platform usage
• Improve functionality

Types of Cookies We Use:

• Essential Cookies: Required for platform operation
• Analytics Cookies: Help us understand usage patterns
• Functional Cookies: Remember your preferences
• Marketing Cookies: (Optional) Used for targeted communication

You can control cookies through your browser settings. However, disabling cookies may affect platform functionality.

9. Children's Privacy

Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect information from minors. If we discover we have collected such information, we will delete it immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated via:

• Email notification
• Prominent notice on the Platform
• In-app notifications

Continued use of the Platform after changes constitutes acceptance of the updated policy.

11. Compliance with Omani Law

This Privacy Policy complies with:

• Omani Electronic Transactions Law
• Data protection requirements under Omani law
• Central Bank of Oman regulations for payment processing
• Financial Services Authority regulations for accounting firms