Financial Policies

This Financial Policy outlines the terms, practices, and procedures governing the financial transactions, billing, refunds, and payments between Sarmat (“we,” “our,” “us”) and users, clients, or customers (“you,” “your”) engaging with our services through https://www.sarmat.ae.

All fees for products, services, or subscriptions must be paid in full in advance unless otherwise agreed in writing. Payment obligations are non-cancellable and fees paid are non-refundable except as expressly provided in our Refund Policy.

Sarmat accepts payments via:

• Credit/Debit Cards
• Bank Transfers
• Online Gateways (e.g., Stripe, PayPal, Razorpay)
• Other methods as specified at checkout

All payments are processed in UAE Dirhams (AED) unless stated otherwise.

Invoices are generated based on the agreed billing frequency:

• One-time: Upon purchase confirmation
• Monthly/Quarterly/Annually: On a recurring basis

Invoices are sent electronically to the registered billing contact and are due upon receipt unless otherwise agreed.

Payments not received within 7 calendar days from invoice date may result in service suspension. Reinstatement of services will require full payment of outstanding dues and may incur a late fee.

All fees are exclusive of taxes, levies, or duties imposed by taxing authorities. You are responsible for the payment of all applicable taxes, including VAT, as mandated by UAE law.

Refunds are subject to our official Cancellation and Refund Policy. No refunds will be issued for services already delivered, digital products accessed, or courses commenced.

If your bank account is not denominated in AED, charges will be converted by your bank or card provider using their applicable conversion rates. Sarmat is not responsible for any foreign transaction fees or bank charges incurred.

Subscriptions will renew automatically unless canceled in advance. You may manage or cancel your subscription via your user dashboard or by contacting support at contact@sarmat.ae.

If you believe you have been billed in error, contact us at legal@sarmat.ae within 7 days of invoice issuance. Initiating chargebacks without prior communication may result in account suspension.

Sarmat reserves the right to modify pricing for its services or products at any time. However, changes will only apply to new subscriptions or renewals. Existing users will be notified in advance of any pricing adjustment.

Sarmat maintains secure, auditable financial records in accordance with UAE regulations. Clients may request basic transaction history related to their accounts.

Our financial operations comply with UAE financial laws, anti-money laundering (AML) guidelines, and other applicable regulations. We cooperate with regulatory authorities as required.

For financial queries, disputes, or documentation:

• Email (Finance): legal@sarmat.ae
• Support Email: contact@sarmat.ae
• Phone: +971 4 229 5214
• Office: Office 1001, Al Matar Business Center, Ibis Hotel, Al Rigga Road, Deira, Dubai, UAE