Legal & Policies

1.1 Who we are

CyberTabX ("we," "us," or "our") operates cybertabx.com and a family of connected products, including TabFin (finance.cybertabx.com), TabNews (news.cybertabx.com), and any additional products we launch. Contact: hello@cybertabx.com.

1.2 What we collect

We collect and store:

• Email addresses you give us when you sign up for waitlists, contact us, or subscribe to updates
• Aggregated usage analytics via Google Analytics 4 (page views, device type, approximate country)
• Push notification tokens via OneSignal, only when you opt in
• Messages you send us via email or forms

Our data practices may evolve as our products do. Any changes will be reflected in updates to this policy.

1.3 What stays on your device

Most of our products store your data directly in your browser using localStorage:

• Your financial entries in TabFin stay on your device
• Your reading history and saved articles in TabNews stay on your device
• Your preferences, settings, and app state stay on your device

We do not have a copy of this data. If you clear your browser data or switch devices, this information stays where it is.

If you choose to use TabPulse, your financial context is shared with Google Gemini to generate insights. This happens only after you explicitly consent. CyberTabX does not receive or store this data.

1.4 How we use what we collect

• Email addresses — to send you what you signed up for and respond to your messages
• Analytics — to understand which features are useful and what to improve
• Push tokens — to send notifications you've opted in to
• Messages — to respond to your queries

1.5 Third-party services

We rely on a small set of trusted providers:

Currently in use:

• Google Analytics 4 — aggregated usage analytics
• Google Gemini — AI-generated insights in TabPulse (opt-in only)
• OneSignal — push notifications
• Netlify — hosting and form submissions
• Zoho Mail — email handling

As our products grow, we may introduce additional services including advertising, affiliate tracking, payment processing, and additional infrastructure services. Any new services will be governed by an updated version of this policy.

1.6 Your choices

• Delete locally-stored data by clearing site data in your browser
• Unsubscribe from emails by replying to any email from us, or contacting hello@cybertabx.com
• Disable or revoke push notifications in your device settings or inside our products. Push notifications are sent only after you explicitly opt in.
• Opt out of analytics using a tracker-blocking browser or Google's Analytics Opt-out Add-on
• Contact us at hello@cybertabx.com for any other request relating to your data

1.7 Children

Our products are not directed at children. We do not knowingly collect information from minors. If you believe a minor has provided us with information, contact us.

1.8 Changes

When we update this policy, we will update the "Last updated" date at the top of this page.

2.1 What cookies are

Cookies are small text files that websites store on your device. Similar technologies include localStorage, sessionStorage, and tracking pixels. This policy uses "cookies" as a general term for all of these.

2.2 Types of cookies we use

Strictly necessary cookies — essential for our products to work. These cannot be switched off and include session cookies, security cookies, and the localStorage we use to save your preferences and product data.

Analytics cookies — help us understand how visitors use our products. We use Google Analytics 4 for this purpose. You can opt out using Google's Analytics Opt-out Add-on.

Advertising cookies — when we run advertisements through Google AdSense or similar services, those services may set cookies to serve relevant ads, measure ad performance, and limit the number of times you see the same ad. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to our sites or other sites on the internet. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to our sites and other sites on the internet. You may opt out of personalised advertising by visiting Google's Ads Settings.

Functional cookies — remember choices you make, such as your theme preference (light or dark), to provide a more personalised experience.

2.3 Third-party cookies

Some cookies are set by third-party services that appear on our pages, including:

• Google Analytics
• Google AdSense (when active)
• OneSignal
• Affiliate tracking services (when you click affiliate links)

We do not control these third-party cookies. Please refer to each provider's privacy policy for more information.

2.4 Managing your cookie preferences

• Cookie consent banner — when you first visit our sites, you'll see a banner allowing you to accept or reject non-essential cookies. You can change your preferences at any time using the "Cookie Settings" link in the footer.
• Browser settings — most browsers let you block or delete cookies. Note that blocking strictly necessary cookies may break parts of our products.
• Opt-out tools — Google Analytics and Google Ads both provide dedicated opt-out tools.

3.1 Acceptance of terms

By accessing or using cybertabx.com, TabFin, TabNews, or any other CyberTabX product, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, please do not use our services.

3.2 The service

CyberTabX provides a suite of digital tools and content products, including a personal finance dashboard (TabFin), a curated news reader (TabNews), and a corporate landing platform (cybertabx.com). We may add, change, or discontinue products at any time.

Our products may be offered free of charge or as paid services. Paid features will be governed by additional terms presented at the time.

3.3 Your responsibilities

When you use our services, you agree to:

• Use them only for lawful purposes
• Not attempt to disrupt, reverse-engineer, or compromise the security of our products
• Not use automated scripts, bots, or scrapers to access or collect data from our services
• Not use our services to infringe the rights of others or violate any law
• Provide accurate information when you interact with us

You are responsible for maintaining the confidentiality of any credentials you use and for all activity that occurs under them.

3.4 Intellectual property

The CyberTabX name, logo, brand assets, product designs, code, and original content are owned by CyberTabX and protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from our content without our written permission.

Content sourced from third parties (for example, news headlines and excerpts displayed in TabNews) remains the property of the respective publishers. We display headlines and short excerpts with attribution and links to the original sources.

3.5 Third-party links and services

Our products may link to third-party websites, services, or advertisements. We are not responsible for the content, privacy practices, or availability of these third parties. Your interactions with them are governed by their own terms and policies.

3.6 Disclaimer of warranties

Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that our services will be uninterrupted, error-free, secure, or free from harmful components. Your use of our services is at your own risk.

See Section 4 (Disclaimer) for specific disclaimers regarding financial information and aggregated news content.

3.7 Limitation of liability

To the fullest extent permitted by applicable law, CyberTabX shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, or goodwill, arising from your use of our services. Our total liability for any claim arising from these Terms or your use of our services shall not exceed the amount you have paid us in the past twelve months (which, for free services, is zero).

3.8 Indemnification

You agree to indemnify and hold CyberTabX harmless from any claims, damages, liabilities, costs, or expenses arising from your misuse of our services or violation of these Terms.

3.9 Termination

We may suspend or terminate your access to our services at any time, with or without notice, for any reason including violation of these Terms. You may stop using our services at any time.

3.10 Governing law and jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Dubai.

3.11 Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

3.12 Changes to these terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

3.13 Contact

For any questions about these Terms, contact hello@cybertabx.com.

4.1 Information, not advice

The content and tools provided by CyberTabX, including TabFin and TabNews, are for general informational and educational purposes only. They do not constitute and should not be relied upon as:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Accounting advice
• Advice of any other professional nature

4.2 Not a regulated financial advisor

CyberTabX is not a licensed or regulated financial advisor. We are not authorised by the Securities and Commodities Authority (SCA), the Dubai Financial Services Authority (DFSA), the Financial Services Regulatory Authority (FSRA) of ADGM, or any equivalent regulator to provide financial advice or to conduct regulated financial activities. The information and tools we offer are not a substitute for consultation with qualified, licensed professionals.

4.3 Consult a qualified professional

Before making any financial, investment, tax, or legal decision based on information or tools provided by CyberTabX, you should consult a qualified, licensed professional who understands your individual circumstances.

4.4 No guarantee of accuracy

While we make reasonable efforts to keep the information in our products accurate and current, we do not warrant or guarantee:

• The accuracy, completeness, or timeliness of any information displayed
• The reliability of currency conversion rates or market data
• That any calculation, projection, or forecast will prove correct
• That aggregated news content is free from errors or omissions

Currency rates, market data, interest rates, and similar financial information are sourced from third-party providers and may be delayed, inaccurate, or outdated.

4.5 Past performance

Any references to historical returns, market performance, or investment outcomes are illustrative only. Past performance is not indicative of future results. Investments carry risk, including the risk of loss of principal.

4.6 Personal responsibility

Any decision you make based on information or tools from CyberTabX is your sole responsibility. We are not liable for any loss or damage arising from such decisions, including but not limited to financial losses, tax consequences, or missed opportunities.

4.7 Aggregated news content

TabNews aggregates news and content from third-party publishers. The opinions, analysis, and information in aggregated content are those of the original publishers and do not represent the views of CyberTabX. We do not verify the accuracy of aggregated news content before displaying it. CyberTabX is not responsible for the accuracy, completeness, or reliability of any news story sourced from third-party publishers.

4.8 AI-generated content

TabPulse uses Google Gemini to generate insights based on financial context you choose to share. AI-generated content may be inaccurate, incomplete, or unsuitable for your situation. AI responses are not reviewed by a human before being displayed. Do not rely on AI-generated content for financial, investment, tax, or legal decisions.

5.1 Affiliate relationships

CyberTabX participates in affiliate programs. When you click affiliate links on our sites or inside our products and sign up for, purchase, or use the recommended products or services, we may earn a commission from the partner. Affiliate links typically do not affect the price you pay.

5.2 Partners and programs

Our affiliate partners include (but are not limited to):

• Financial platforms, investment services, and brokerage providers in the UAE, India, and global markets
• Banking products and fintech applications
• Insurance providers and comparison services
• Consumer retailers including Amazon Associates (covering Amazon.ae, Amazon.in, and Amazon.com)
• Educational resources, books, and personal finance tools
• Other products and services relevant to our users

A current list of specific affiliate partners is available on request at hello@cybertabx.com.

5.3 Identifying affiliate links

Where required, affiliate links will be marked or accompanied by a short disclosure note such as "affiliate link" or "we may earn a commission."

5.4 Not advice

As noted in Section 4 (Disclaimer), the mention of any product or service in our content — whether through an affiliate link or not — is not financial advice or a recommendation tailored to your circumstances.