Terms of service
In short: the catalogue is free, Premium is a monthly or yearly subscription you can cancel any time, Paddle takes the payment, and AI answers are suggestions, not a guaranteed discount.
1. About these terms
The website hasm.ae (“Hasm”) and the Hasm Premium subscription are operated by Ivan Doronin (“we”, “us”). By using the site or buying Premium you accept these terms. If you do not agree, please do not use the service.
2. What Hasm is
- An independent guide to discounts and perks from loyalty programs, banks and subscriptions in the UAE. We are not affiliated with these programs and do not represent them.
- Data comes from public sources; every offer links to its source and shows the date we checked it. Partners can change their terms; the discount is given by the partner, not by us, and we cannot guarantee that a partner will honour it.
3. Hasm Premium
- Premium is a subscription to a personal AI assistant in the hasm.ae web app. Price and features are on the Hasm Premium page; currently $7.99 a month or $59 a year.
- The subscription renews automatically for the same term (a month or a year) until you cancel. You can cancel at any time; Premium stays active until the end of the paid period.
- If the price changes, we will announce it on the site at least 14 days in advance; the new price applies from the next period, and you can cancel before then.
4. Payment
Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders: it takes payment, issues invoices, collects and remits taxes, and handles payment-related enquiries. Paddle’s buyer terms also apply to your purchase. We never receive your card details.
5. Access without an account
- Premium is linked to the browser you bought it in. Your e-mail and the order number from your Paddle receipt turn it on for other devices — up to 5 devices per subscription.
- Do not share your order number. If the subscription is clearly being used by someone else, we may switch off the extra devices.
6. The AI assistant
- Answers are written by an AI model (Claude, Anthropic) from our catalogue and the cards you chose. They are suggestions about where it pays to use a card — not financial, legal or other professional advice.
- AI can make mistakes. Before you pay, check the terms via the source link or with the partner.
- The Premium limit is 20 questions a day per subscription, no automated requests, no reselling answers and no attempts to extract the catalogue through the assistant.
7. What you must not do
- Break the law, disrupt the site, bypass limits or security, or bulk-download data in breach of robots.txt.
- Impersonate us or the loyalty programs, or use the service to send spam.
8. Intellectual property
The design, texts, selections and structure of the catalogue belong to us. Names and marks of programs, banks and places belong to their owners and are used only to refer to them.
9. Liability
- The service is provided “as is”. We work to keep the data accurate but are not responsible for partners’ decisions, changes to their terms or a refused discount.
- To the extent the law allows, our total liability is limited to the amount you paid for Premium in the last three months. This does not limit consumer rights that cannot be excluded by law.
10. Suspension and cancellation
We may suspend Premium if these terms are seriously breached; in unclear cases we will contact you first. You can cancel your subscription at any time — see “Payment”.
11. Changes to these terms
If these terms change, the date at the top will change; we will announce material changes on the site at least 14 days in advance.
12. Governing law
These terms are governed by the laws of the United Arab Emirates. We will first try to settle any dispute by correspondence; failing that, it goes to the competent court in the UAE.
13. Contact
Questions about these terms or billing: ivan.doronin@gmail.com.