We develop and operate an innovative platform that helps consumers with finances and improving their wellness.

Dubai: +971 4 3721277
Dun & Bradstreet: 85 112 6138

The H Dubai Office Tower,
Level 9, Office 924,
One Sheikh Zayed, Dubai, UAE

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Terms and Conditions

Our website address is: 

1. What’s in these terms

These terms tell you the rules for using our website, and our mobile application (together our “Site”) and our services.

2. Who we are and how to contact us

The Site is operated by Limited (“We”). We are registered in the United Arab Emirates and our business address is H Dubai Office Tower, Level 9, Office 924, One Sheikh Zayed Road, Dubai, United Arab Emirates.

To contact us, please email or telephone +971 4 3721277.

3. By using our site you accept these terms

By using our Site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our Site.

We recommend that you print a copy of these terms for future reference.

4. There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

· Our Privacy Policy:

If you receive rewards from our third party partners, or purchase products from such partners directly, their terms and conditions of service will also apply.

5. We may make changes to these terms

We amend these terms from time to time. Any modifications will be effective immediately upon such posting. Every time you wish to use our Site, please check these terms to ensure you understand the terms that apply at that time.

These terms were last updated in August 2020.

6. We may make changes to our site and rewards

We may update and change our Site from time to time, including to reflect changes to our products, our users’ needs and our business priorities.

Similarly, we may also make changes to our rewards program at any time without notice, including but not limited to the amount of any reward offered to you for meeting our set exercise goals.

7. We may suspend or withdraw our site

Our Site is made available free of charge.

We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

8. We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

9. Our site is only for users in the UAE

Our Site is directed to people residing in the United Arab Emirates. We do not represent that content available on or through our Site is appropriate for use or available in other locations.

10. You must keep your account details safe

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at

11. How you may use material on our Site and our Site

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

Our status (and that of any identified contributors) as the authors of content on our Site must always be acknowledged.

You must not use any part of the content on our Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Site in breach of these terms of use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

The Site is licensed, not sold, to you. You may utilize the Site only as permitted by these terms. You may not, and will not permit any other party to: (1) modify, adapt, alter, translate or create derivative works of the Site; (2) use or merge the Site, or any component or element thereof, with other software, databases or services not provided by us; (3) sublicense, distribute, sell or otherwise transfer the Site to any third party; (4) reverse engineer, decompile, disassemble or otherwise attempt to derive the source code or structure of the Site; (5) interfere in any manner with the operation of the Site; (6) circumvent, or attempt to circumvent, any electronic protection measures in place to regulate or control access to the Site; (7) create a database by systematically downloading and storing the Site or any part of the Site; (9) use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” ”data mine” or in any way gather the Site or aspects of the Site or reproduce or circumvent the navigational structure or presentation of the Site without our express prior written consent; or (10) use the Site for any commercial purposes or remove, alter or obscure any copyright notice or any other proprietary notice that appears on or in the Site.

12. Information on this Site

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely, nor to replace the advice of professionals. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Site.

For the avoidance of doubt, goals and suggested health actions on the Site should not replace your doctor’s advice.

Eligibility and participation requirements for rewards vary – please visit the Site for full information and any exclusions.

Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.

13. We are not responsible for websites we link to

Where our Site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources and we accept no responsibility for the content, products and/or services provided at these sites.

14. Our services

We are a technology and rewards programme provider only. You acknowledge that we are not providing you with any insurance or savings plan and we are not a party to any contract or insurance policy that you have with Noor Takaful Family PJSC. Your monthly contributions are paid directly to Noor Takaful Family PJSC.

15. Necessary Equipment

Full use of our rewards programme is dependent on your use of an Apple Iphone and/or Apple Watch (Equipment) and internet access. The maintenance and security of this Equipment may influence our ability to provide the services and it is your responsibility to ensure the Equipment’s functionality. You are responsible for all internet access charges.

16. User-generated content is not approved by us

The Site may include information and materials uploaded by other users of the Site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our Site do not represent our views or values. If you wish to complain about content uploaded by other users, please contact us on

17. Our responsibility for loss or damage suffered by you

· We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

· In no event will we be liable to any party for any direct, indirect, special or other consequential damages arising out of any use of the Site, or any other hyper-linked website or software application (including mobile applications), including, without limitation, any lost profits, business interruption, loss of programs or data on your equipment, or otherwise, even if we are expressly advised of the possibility or likelihood of such damages.

18. How we may use your personal information

We will only use your personal information as set out in our

19. We are not responsible for viruses and you must not introduce them

We do not guarantee that our Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our Site. You should use your own virus protection software.

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

20. Rules about linking to our Site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Site in any website that is not owned by you.

Our Site must not be framed on any other site, nor may you create a link to any part of our Site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on our Site other than that set out above, please contact

21. Termination

Aetna may suspend or terminate your use of or access to the Applications if you fail to comply with these Terms. Such suspension or termination may result in the permanent deletion of your information or other previously available content.

22. Which country’s laws apply to any disputes?

Please note that these terms of use, their subject matter and their formation, are governed by the laws of the United Arab Emirates, as applicable in Dubai. You and we both agree that the courts of Dubai will have exclusive jurisdiction to hear any disputes in relation to these terms.

23. Apple-specific terms and conditions

In addition to your agreement with these terms, and notwithstanding anything to the contrary herein, you acknowledge and agree to the following provisions with respect to your use of any Site that is compatible with the iOS operating system of Apple Inc. (“Apple”). Apple is not a party to these terms and does not own and is not responsible for the Site. Apple is not providing any warranty for the Site, except if applicable, to refund the purchase price for it. Apple is not responsible for maintenance or other support services for the Site and shall not be responsible for any other claims, losses, liabilities, damages, costs or expenses with respect to the Site, including, without limitation, any third-party product liability claims, claims that the Site fails to conform to any applicable legal or regulatory requirement, claims arising under consumer protection or similar legislation, and claims with respect to intellectual property infringement. Any inquiries or complaints relating to the use of the Site, including those pertaining to intellectual property rights, must be directed to us. The license you have been granted herein is limited to a non-transferable license to use the Site on an Apple-branded product that runs Apple’s iOS operating system and is owned or controlled by you, or as otherwise permitted by the Usage Rules set forth in Apple’s App StoreSM Terms of Service. In addition, you agree to comply with the terms of any third-party agreement that is applicable to you when using the Site, such as your wireless data service agreement.