Effective 7 October 2026 · End User License Agreement
These Terms of Use (the “Terms”) are a legal agreement between you and Sadeq Alsalman, trading as SINDEX, of Kuwait (“we”, “us”), governing your use of the SINDEX mobile application and related services (the “App”). By downloading, installing or using the App, you agree to these Terms. If you do not agree, do not use the App.
The most important thing in this document: SINDEX is a research and portfolio-tracking tool. It is not a broker, not a financial adviser, and not a regulated financial institution. It never executes trades, never holds or moves your money, and nothing it shows you is investment advice. Every decision you make with your money is yours alone.
1. What SINDEX is — and is not
SINDEX provides market data, company fundamentals, screening and comparison tools, seasonality statistics, news, AI-assisted research summaries, and a way to record and track a portfolio you enter yourself or connect on a read-only basis.
SINDEX does not:
execute, place, route or facilitate any trade or order;
hold, custody, transfer or have access to your money or securities;
provide investment, financial, legal, tax or accounting advice;
make personalised recommendations, or assess whether any security or strategy is suitable for you;
act as a broker, dealer, investment adviser, portfolio manager or financial institution in any jurisdiction.
Nothing in the App is an offer, solicitation or recommendation to buy or sell any security or financial instrument. You should consult a licensed professional before making any investment decision.
2. Eligibility
You must be at least 18 years old, or the age of majority where you live, whichever is greater, and legally able to enter into these Terms. The App is not directed to children. You are responsible for ensuring that your use of the App is lawful where you are.
3. Your account
You may create an account with an email address and password, or through Sign in with Apple or Sign in with Google.
You are responsible for keeping your credentials confidential and for all activity under your account.
You must provide accurate information and keep it current.
Tell us promptly at support@join-sindex.com if you believe your account has been compromised.
You may delete your account at any time in Settings → Profile → Delete Account. Deletion is permanent.
4. Subscriptions, billing and refunds
SINDEX offers a free tier and a paid subscription that unlocks additional features. Paid subscriptions are sold as auto-renewable in-app purchases through Apple.
The subscription name, duration and price are shown on the purchase screen before you buy.
Payment is charged to your Apple Account at confirmation of purchase.
Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours before the period ends.
You manage and cancel your subscription in your Apple Account settings, not in the App. Deleting the App does not cancel a subscription.
Refunds are handled by Apple, not by us. We cannot issue, approve or reverse charges for App Store purchases. Refund requests go to Apple, and Apple's decision is final.
We may change subscription pricing or the features in each tier. Price changes affect future renewal periods only, and Apple will notify you and seek consent where required.
5. Market data
Market data, fundamentals, prices, statistics and news in the App are supplied by third-party providers — market data by Financial Modeling Prep, exchange rates by ExchangeRate-API and brokerage holdings by SnapTrade. We pass this information through as we receive it.
Data may be delayed, incomplete, interrupted or inaccurate. It is not guaranteed to be real time.
Data is provided for informational purposes only and must not be relied upon for trading decisions.
Past performance does not indicate future results. Seasonality and historical patterns describe the past only.
Portfolio values, returns and calculations shown in the App are estimates derived from this data and from information you supply. They are not statements of account and may not match your broker's records.
6. AI-assisted features
Some features generate written analysis using a third-party large language model (DeepSeek).
AI output is generated automatically, may be inaccurate, incomplete, outdated or wholly incorrect, and is not reviewed by a human before you see it.
AI output is not financial advice and must not be treated as a recommendation.
Text you submit to an AI feature is transmitted to our AI provider to generate a response, and the App tells you so before your first request. Do not enter confidential or sensitive personal information into these features.
How we handle this data is described in our Privacy Policy.
7. Brokerage connections
You may optionally connect a brokerage account through our partner SnapTrade. If you do:
The connection is read-only. SINDEX cannot place trades or move funds.
Your brokerage credentials are entered with SnapTrade and are never received or stored by us.
Holdings shown are supplied by your broker through SnapTrade and may be delayed or incomplete. Your broker's own records are authoritative.
You may disconnect a brokerage at any time from the Tracker.
Your use of that connection is also governed by SnapTrade's and your broker's terms.
8. Acceptable use
You agree not to:
scrape, harvest, resell, redistribute or commercially exploit data obtained from the App;
reverse engineer, decompile or attempt to derive the source code of the App, except where that restriction is prohibited by law;
circumvent rate limits, entitlement checks, subscription gating or any security measure;
use automated means to access the service, or interfere with its operation;
use the App unlawfully, or in a way that infringes the rights of others.
We may suspend or terminate access that breaches these Terms.
9. Intellectual property
The App, its design, code, text and branding are owned by us or our licensors and are protected by intellectual property law. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App for your own non-commercial purposes. Data supplied by third-party providers remains theirs. Content you enter — your portfolio, watchlist and notes — remains yours; you grant us only the licence needed to store, process and display it back to you.
10. Availability and changes
We may modify, suspend or discontinue any part of the App at any time, and we do not guarantee uninterrupted availability. Features may change between versions. We may update these Terms; material changes will be posted here with a new effective date, and continuing to use the App after that constitutes acceptance.
11. Disclaimer of warranties
To the fullest extent permitted by law, the App is provided “as is” and “as available”, without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the App will be uninterrupted, error free, secure, or that any data or analysis it presents is accurate or complete.
12. Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, nor for any loss of profits, revenue, data, goodwill, or investment or trading losses, arising out of or relating to your use of the App — whether or not we were advised of the possibility of such damages.
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to these Terms or the App will not exceed the greater of (a) the amount you paid us for the App in the twelve months before the event giving rise to the claim, or (b) USD 50.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain liabilities. Where that applies to you, these exclusions and limits apply only to the extent permitted, and nothing in these Terms limits liability for fraud, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.
13. Indemnity
You agree to indemnify and hold us harmless from claims, damages, losses and reasonable legal costs arising from your breach of these Terms, your misuse of the App, or your violation of any law or third-party right.
14. Termination
You may stop using the App and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the service. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnity and governing law — survive.
15. Governing law
These Terms are governed by the laws of the State of Kuwait, and the courts of Kuwait have exclusive jurisdiction, except where mandatory consumer-protection law in your country of residence gives you the right to bring proceedings locally or requires the application of local law. Nothing in these Terms removes statutory rights you have as a consumer that cannot be waived.
16. Apple-specific terms
These terms apply to the App as obtained from the Apple App Store and are required by Apple.
Acknowledgement. These Terms are between you and us only, and not with Apple. We, not Apple, are solely responsible for the App and its content.
Scope of licence. The licence granted to you is a non-transferable licence to use the App on any Apple-branded product that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
Maintenance and support. We are solely responsible for maintenance and support. Apple has no obligation to provide any maintenance or support for the App.
Warranty. We are responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App to you. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App.
Product claims. We, not Apple, are responsible for addressing any claims relating to the App, including product liability, failure to conform to legal or regulatory requirements, and claims under consumer protection or similar legislation.
Intellectual property. If a third party claims the App infringes their intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement and discharge of that claim.
Legal compliance. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
Developer name and address. Sadeq Alsalman, Kuwait. Questions, complaints and claims: support@join-sindex.com.
Third-party terms. You must comply with applicable third-party terms when using the App.
Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce them against you.
17. General
If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a transfer of the business. These Terms, together with the Privacy Policy, are the entire agreement between us regarding the App.