Financial & Regulatory Policy

Article 1: Preamble, scope, and the binding nature of the policy

This Financial & Regulatory Policy is a governing and binding document for all financial, operational, and regulatory transactions that take place within the Būlum app and platform, and it forms an integral part of the Terms of Use, the Service Provider Agreement, the Privacy Policy, the Code of Conduct, the User Executive Summary of the app's policies and terms, and any policies, annexes, instructions, notices, or controls the platform adopts or publishes within the app or through its official channels.
This policy applies to all users without exception, whether they are service seekers, service providers, account holders, followers, visitors, or participants in any feature of the app, whenever their use gives rise to any financial, regulatory, operational, or contractual effect.
This policy applies to all services, appointments, trips, meetings, interactive services, content, free and paid services, and supporting features, whether available upon the adoption of this policy or added, developed, or reorganized later within the app.
This policy includes, without limitation, adding services, adding appointments, listing trips, booking services, sending booking requests, accepting requests, rejecting requests, payment, collection, opening communication, opening conversations, executing the service, ending the service, filing reports, objections, cancellation, refunds, settlements, transferring providers' entitlements, bank chargebacks, preventing external payment, preventing external communication, preventing circumvention of the platform, ratings, verification, packages, broadcasting, messages, voice and video calls, auctions, competitions, and special access mechanisms.
By using the app, creating an account, browsing services, adding a service, adding an appointment, listing a trip, sending a request, accepting a request, rejecting a request, making a booking, completing a payment, executing a service, receiving entitlements, or using any feature within Būlum, the user acknowledges that they have read this policy, understood its content and its financial and regulatory effects, and agreed to it with an express, final, and binding consent.
No user may use the app, benefit from its services, offer their services, or book the services of others while reserving on this policy or rejecting part of it; and continuing to use the app or carry out any transaction within it is a full acceptance of all its provisions.
All users acknowledge that Būlum is a technology platform and an intermediary organizing offering, booking, communication, payment, and operational documentation, and is not a direct provider of the services, nor a guarantor of their quality, results, suitability, or of the service seeker achieving their personal, professional, financial, or social purpose from them.
The service provider acknowledges that every service, appointment, trip, meeting, content, or communication they offer or add within the app is a serious commitment on their part per the description, price, time, duration, and details they entered, and they may not offer any service, appointment, or trip unless they are able, ready, and committed to executing it.
The service seeker acknowledges that completing the booking or payment, or sending or confirming the request, means their agreement to the details of the service, appointment, or trip as they appeared to them within the app, including the price, time, duration, description, what the price includes and excludes, and any visible conditions or restrictions.
The platform bears no responsibility for the service seeker's choice of a particular service provider, nor for their personal expectations of the service, nor for any decision they make based on the service description or their communication with the provider, unless a direct fault of the platform is established within the limits of its technical and operational role.
The existence of the service, appointment, or trip within the app is not a guarantee from the platform of the provider's quality, competence, suitability, or commitment, and is not a professional accreditation, license, or regulatory endorsement of them, unless the platform expressly states otherwise for a specific service or feature.
The platform's processing of the payment, holding the amount, organizing communication, reviewing reports, or making refund or settlement decisions is not evidence that it is a party executing the service or responsible for its substance, result, or quality.
The platform may, at its discretion and in a manner that achieves operational safety and protects rights, take any necessary financial, regulatory, or operational measure, including withholding entitlements, suspending settlement, refusing a refund, accepting a refund, forfeiting the provider's entitlements, restricting the account, suspending the service, deactivating the account, deleting content, or claiming compensation.
All financial transactions within the app are subject to the governing financial shares adopted in this policy, which in the adopted financial model are: 62% for the service provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform, with the total of these shares being 100% of the value of the service.
No text in this policy or in any document subordinate to it may be interpreted so as to calculate the financial shares on a basis exceeding 100% of the value of the service, and the 10% booking fee or service fee may not be interpreted as an additional amount above the value of the service in the adopted financial model.
The platform may amend, update, add new provisions to, reorganize, or develop the financial and operational mechanisms of this policy according to what operational, regulatory, technical, financial, or commercial interest requires, or according to the requirements of payment providers, banks, or the competent authorities.
Publishing any amendment or update within the app, in the general notifications tab, on the policies page, on the payment screen, on the landing page, or through any official channel the platform adopts is sufficient to notify users, and it is not required to obtain independent consent from each user for each update.
The user's continued use of the app, or making any booking, offering any service, accepting any request, executing any appointment, or receiving any entitlements after the update is published, is deemed an express and binding acceptance of the updated version.
The user may not argue that they did not read or understand the policy, or that they did not receive a notice about it, whenever it is published, available, or they have been notified of it through an official channel, or they continued to use the app after its publication.
If any conflict or ambiguity arises between this policy and any other text within the app relating to the financial shares, booking fees, the platform's commission, the provider's net entitlement, refunds, or settlement, then the article on the governance of financial shares and the interpretation of entitlements is the governing reference.
The invalidity or unenforceability of any provision of this policy does not invalidate the remaining provisions, which remain effective and binding to the extent permitted by the regulations.
The platform's silence regarding a particular violation, or its delay in taking action, is not a waiver of its right to apply this policy or to claim any financial, regulatory, or compensatory right.
All rights and powers established for the platform under this policy are fundamental rights necessary to protect the integrity of the app and the rights of the users and the platform, and the stability of financial and operational transactions.
This policy may not be interpreted so as to create an employment, agency, partnership, or legal representation relationship between the platform and the service provider or service seeker, and each party remains responsible for its own obligations and conduct.
The user acknowledges that this policy applies to prior, current, and subsequent transactions to the extent necessary to handle reports, objections, refunds, claims, and settlements and to protect rights, unless the platform expressly decides otherwise or the regulations require otherwise.

Article 2: Financial and regulatory definitions

The Būlum app, the platform, or the app means: the digital technology app or platform that enables users to create accounts, offer services, add appointments, manage trips, communicate, book, pay, rate, file reports, and organize the operational and financial relationship between users.
The management means: the management of the Būlum app, the operating company, or whomever it authorizes to operate, support, review, settle, collect, handle reports, communicate with users, or make financial and regulatory decisions.
The operating company means: the legal or commercial entity that owns, manages, operates, develops, licenses, or represents the Būlum app, or supervises its services, systems, or official channels.
The user means: every natural or legal person who uses the app in any capacity, whether a service seeker, service provider, account holder, visitor, follower, participant, or beneficiary of any feature within the app.
The service provider means: every user who offers, adds, accepts, executes, or provides a service, appointment, trip, meeting, communication, content, experience, or benefit through the app, whether for a fee or free.
The service seeker means: every user who requests, books, pays for, benefits from, or attempts to benefit from a service, appointment, trip, meeting, communication, experience, or content through the app.
The service means: any benefit, content, appointment, communication, meeting, trip, experience, execution, digital product, participation, interaction, or interactive or non-interactive service that is offered, requested, organized, or executed through the app.
The paid service means: every service, appointment, trip, meeting, content, communication, or feature that is booked, requested, or benefited from in return for a monetary amount that appears within the app or through the adopted payment screen.
The free service means: every service, appointment, content, or feature the provider or the platform makes available without a direct monetary consideration, while remaining subject to the regulatory and behavioral controls, the prevention of circumvention, data protection, and reports.
Non-scheduled services means: services not tied to a direct, simultaneous time between the two parties, including, without limitation, the audio clip, the video clip, the handwritten card, or any service the platform adopts that does not require the presence of both parties at a specific time.
Scheduled appointments means: services tied to a specific date, time, or duration, including voice communication, video communication, direct text chat, the full-day meeting, the travel trip, and any other appointment, meeting, or communication the platform adopts.
The booking means: the procedure through which a service, appointment, trip, or meeting is requested or confirmed within the app per the adopted mechanism.
The booking request means: the request the service seeker sends to the provider in services or appointments that require subsequent acceptance, and it is not a final booking except after acceptance, payment, and confirmation are completed according to the type of service.
The confirmed booking means: the booking whose procedures have been completed within the app, including acceptance when required, payment when the service is paid, and the appearance of the booking status as confirmed within the system.
The unconfirmed booking means: any request or procedure whose acceptance, payment, or confirmation has not been completed, or whose status has not appeared as a confirmed booking within the system.
The value of the service means: the base price offered within the app for the service, appointment, or trip, representing 100% of the internal financial transaction before any tax or statutory fee that may be added or appear per the regulations, policies, or the payment screen.
The displayed price means: the price that appears to the service seeker before booking or payment, and it may include the value of the service, the fees, and the taxes, or some of them, according to the display method adopted within the app.
The final price means: the amount that appears to the service seeker on the payment screen before completing the transaction, and completing payment is an acceptance of it whenever it appears clearly within the app or the adopted payment channel.
The booking fee or service fee means: an operational share due to the platform amounting to 10% of the value of the service, appointment, or trip, which is included within the total value of the service in the adopted financial model, and is not added above the value of the service unless expressly stated otherwise on a clear payment screen, an updated policy, or a special agreement.
The platform's operational commission means: the share Būlum is entitled to in return for enablement, operation, management, the technical infrastructure, and the booking, payment, documentation, notifications, support, report handling, and settlement systems, amounting to 28% of the value of the service in the adopted financial model.
The provider's net entitlement means: the base share allocated to the provider from the value of the service, amounting to 62% of the value of the service in the adopted financial model, which does not become finally due except after the conditions of entitlement are met, the objection window ends, and there is no report, objection, violation, or transfer impediment.
The platform's total share means: the total of what the platform is entitled to from the value of the service in the adopted financial model, which is 38% of the value of the service, divided into a 28% operational commission and a 10% booking fee or service fee.
The payment provider means: the financial or technical entity or entities that process payment, collection, settlement, refunds, and bank chargebacks on behalf of the platform or in integration with it.
The bank means: any bank, financial institution, or entity issuing or receiving payments, transfers, cards, or accounts related to the transaction.
The settlement means: the process of calculating the provider's entitlements and transferring them after deducting or processing any fees, refunds, objections, set-off, obligations, taxes, costs, or transfer impediments.
The refund means: returning all or part of the service seeker's amount per this policy and the management's decision or the requirement of the regulations, and a refund is not an automatic right except in the cases the management decides or the regulations require.
The objection means: any request for review or any financial or operational claim the user submits to the platform or through the bank, the payment provider, or any adopted channel.
The bank chargeback means: any dispute, claim, transaction reversal, or refund request that comes from the bank, the payment provider, the card network, or the relevant financial entity.
The objection window means: a period of twelve hours beginning from the time the service, appointment, or trip ends or is deemed to have ended by operation of the rules per the system records.
The report means: the request the user files through the app or the official channels to review an incident, violation, dispute, non-execution, abuse, malfunction, or claim relating to the booking, service, or account.
The system records mean: all data, indicators, and technical and operational records within the app or held by the payment provider or the technology providers, including the booking, payment, acceptance, rejection, reason for rejection, opening of communication, entry time, codes, messages, reports, ratings, notifications, appointment status, and device or network data whenever available.
The start code or attendance code means: the code, number, QR code, or any verification mechanism the system issues to prove the start of certain appointments, the attendance of the parties, or the commencement of execution.
The end code means: the code, number, QR code, or any verification mechanism the system issues upon ending certain services, appointments, or trips, and it is a supporting presumption, not the sole condition, for proving completion.
The content means: every text, image, video, audio, broadcast, comment, post, message, description, file, or material the user publishes, sends, or uploads within the app.
The social content means: the posts, images, videos, audio clips, texts, comments, likes, shares, broadcasts, or any materials the user publishes within the app and which are not by themselves tied to a financial booking or an executed service unless the platform decides otherwise.
The communication tools mean: the text chats, messages, voice or video calls, broadcasting, or any means of communication the platform provides within the app.
The supporting services mean: the messages, chats, voice and video calls, broadcasting, notifications, and any technical tools the platform provides to organize communication, support booking, or improve the experience.
Broadcasting means: a live-presence, group, individual, or public communication feature the platform may make available per conditions it specifies, and it may be subject to restrictions, requirements, a follower count, verification, prior approval, or any operational controls the platform sees fit.
Verification means: any procedure, badge, status, or internal accreditation mark the platform grants to the account per its controls, and it is not a governmental license, professional guarantee, or accreditation of service quality unless the platform expressly states otherwise.
Verification packages mean: amounts, durations, benefits, or levels the platform adopts for verified accounts or those wishing to be verified, and they may be amended, cancelled, or have their prices or conditions changed at any time.
An auction or competition means: any regulatory or commercial mechanism the platform creates to manage demand for a service, appointment, visibility, priority, or special communication, and it may be subject to fees, conditions, shares, or special rules.
The tax or statutory fees mean: any value-added tax, fee, financial burden, or regulatory requirement that is imposed, applied, collected, or displayed per the regulations, the decisions of the competent authorities, or what the platform adopts.
Force majeure means: every circumstance beyond the reasonable control of the platform or the user, such as a disruption of public systems, the internet, payment services, or banks, orders of official authorities, disasters, major outages, or cyberattacks despite taking reasonable precautions.
Set-off means: the platform's right to deduct any amount due to it, to a service seeker, to a payment provider, or by reason of a violation, from any current or future entitlements of the provider.
Deletion means: removing, hiding, or disabling an account, service, appointment, content, or data from the app interface, and it does not necessarily mean erasing all records retained by the platform or its providers.
Technical readiness means: the user's ability to access the app and use the internet, the device, the camera, the microphone, notifications, permissions, connectivity, location, and everything needed to attend or execute the service.
A regulatory measure means: any measure the platform takes, including a warning, hiding, deletion, suspension, blocking, account deactivation, withholding entitlements, forfeiting them, deduction, set-off, or claiming compensation.
The competent authorities mean: any governmental, judicial, security, supervisory, regulatory, quasi-governmental, banking, tax, or legally competent authority within the Kingdom of Saudi Arabia or outside it whenever the request or disclosure is necessary per the regulations or to protect rights.

Article 3: The nature of Būlum's financial and regulatory role

Users acknowledge that Būlum is not a party executing the service, is not a partner of the provider in executing it, is not an agent of the service seeker in choosing it, and is not a guarantor of any result, benefit, quality, safety, or suitability.
Būlum's role is limited, according to the type of service, to providing the technology platform, displaying services and appointments, enabling booking, organizing communication within the app, processing payment through the payment provider, holding amounts until the conditions of entitlement are met, documenting operational facts within the system, reviewing reports, executing refunds or settlement per this policy, and applying the regulatory and financial measures upon a violation or suspicion.
Būlum does not bear responsibility for the quality of the service, its results, its suitability, or the service seeker's satisfaction with it, and does not guarantee that the service achieves the personal, professional, financial, or social objective the service seeker expected.
The service provider alone bears responsibility for the description, promise, price, appointment, trip, meeting, content, skill, experience, or benefit they offer.
The service seeker bears their responsibility to read the details of the service, appointment, or trip before booking and payment, and to verify its suitability for them and the sufficiency of the information displayed before making the booking decision.
Būlum's processing of the payment, holding the amount, or transferring it is not a guarantee of the quality of the service, a professional accreditation of the provider, or an acknowledgment by the platform of the correctness of everything the provider states about themselves or their service.
The user acknowledges that the platform's role in retaining records, reviewing reports, or making financial or regulatory decisions does not turn it into a party executing the service; rather, it is a regulatory and operational role to protect the platform, the users, and the integrity of transactions.
The user acknowledges that the existence of communication tools, messages, broadcasting, or calls within the app does not mean the platform supervises the content of every communication in real time or guarantees its correctness or result, and each user remains responsible for their own statements, actions, and content.
The platform may, according to interest, controls, or technical or regulatory requirements, make available, suspend, restrict, or discontinue any supporting feature, including broadcasting and voice, video, and chat communications, without this giving rise to an acquired right of the user to the continuation of the feature itself.
The user acknowledges that the platform is not responsible for any side agreement, external communication, external payment, or execution outside the app, even if the first acquaintance between the parties arose through Būlum.
The platform bears no responsibility for any harm, loss, dispute, or claim arising from transactions carried out outside the app, by unadopted payment means, or through communication channels not belonging to the platform.
The platform may, when there is a report, objection, suspicion, or violation, suspend the transaction, hold entitlements, halt the transfer, refund the amount, or forfeit the provider's entitlements per this policy.
The management's decisions on reports, refunds, or settlement are not a judicial ruling or a final acknowledgment of liability; rather, they are internal operational decisions organizing the relationship within the app.
No operational decision prevents any party's right to resort to the competent authorities per the regulations, while the platform's decisions remain effective within the system until something to the contrary is issued by a competent authority.
No article in this policy may be interpreted so as to shift the burden of executing the service or guaranteeing its quality from the provider to the platform.

Article 4: Types of services and appointments within Būlum

Services within Būlum are divided into non-scheduled services, scheduled appointments, interactive services, social content, communication features, free or paid services, and any other types or features the platform adopts.
Non-scheduled services include, without limitation, the audio clip, the video clip, the handwritten card, and any other service the platform adopts that does not require direct communication at a specific time.
Scheduled appointments include, without limitation, voice communication, video communication, direct text chat, the full-day meeting, the travel trip, and any other appointment or time-based service the platform adopts.
Interactive services or content include, per what the platform adopts, any communication, content, or service based on time, expertise, presence, experience, a message, participation, or a benefit that one user provides to another within the app.
A service may be paid or free according to what the provider chooses, what the platform allows, or what appears within the app.
The service provider acknowledges that every service, appointment, or trip they add within the app is a serious and binding offer per the description, price, time, duration, and details they entered.
The service provider may not add any service, appointment, or trip unless they are fully committed and able to execute it from a time, technical, personal, and regulatory standpoint.
The service provider undertakes to write a clear and accurate description of the service, to state what the price includes and excludes, and any conditions, requirements, restrictions, risks, or information the service seeker needs before booking.
The service provider alone bears responsibility for any ambiguity, deficiency, misleading, or exaggeration in the description of the service, appointment, or trip.
The service seeker undertakes to read the details of the service before booking, and has no right to claim a refund because of a matter that was apparent or could have been known from the description, price, time, duration, or the service conditions.
If the details of the service are not clear to the service seeker, they must refrain from booking or request clarification through the means available within the app before payment.
Posts, the profile, following, liking, commenting, viewing, broadcasting, or public messages are not by themselves a financial service or a commitment to execute a service, unless they are tied to a booking, payment, appointment, or an adopted service within the app.
The platform may add new types of services, appointments, or features, or amend their names, classifications, mechanisms, conditions, prices, shares, or controls, whenever it sees fit.
The user acknowledges that some features may be available to all users, to a specific category of them, to verified accounts, to those exceeding a certain follower count, or to those meeting operational or regulatory conditions the platform specifies.
The platform may restrict, prevent, suspend, or delete any type of service whenever it sees that it is unsuitable, in violation, high-risk, unclear, or may cause recurring disputes or harm the users or the platform.

Article 5: Free services and appointments

The service provider may make a service, appointment, content, or communication available for free whenever this feature is available within the app.
No financial entitlement arises for the provider for the free service, appointment, or content.
The provider may not demand any amount from the service seeker outside the app in return for a service or appointment they made available for free within the app.
Free services and appointments are subject to the regulatory and behavioral provisions, data protection, prevention of circumvention, reports, and ratings.
The platform may cancel, hide, or suspend any free service if it is used for circumvention or to attract users to deal outside the app.
The non-execution of a free service or the non-attendance of a free appointment does not give rise to automatic financial compensation for any party, and the platform alone may take whatever regulatory, behavioral, rating, or account-restriction measures it sees fit.
Free services or appointments may not be used as a means to advertise external payment or to move users to external platforms, accounts, links, or communication means with the intent to circumvent the platform.
The platform may restrict the number of free services or appointments, their conditions, their visibility, or their use, or convert some of them into paid services or services subject to fees or packages, as it sees fit.
If the service is free, the platform is not obligated to any monetary refund since there is no amount paid for the origin of the service, while it retains its right to review reports and take measures against the violator.
The service seeker acknowledges that booking a free service does not grant them an acquired right to obtain compensation, an amount, or an alternative service if execution becomes impossible for any reason, unless the management decides an exception otherwise.
The free nature of the service does not exempt the provider from the obligation of honesty, clarity, and respect and from not violating the regulations, values, or the rights of others.
If the provider repeatedly offers unserious free services that are not executed or that are used for external redirection, the platform may restrict their account, prevent their services from appearing, or take any other regulatory measure.
The service seeker may not exploit free services to annoy providers, book unserious appointments, or file malicious reports.
The platform may set limits, controls, or special conditions for free services, including the service duration, the number of bookings, visibility, and linkage to verification or ratings.
All provisions on preventing external communication, external payment, and prohibiting violations and circumvention remain in force for free services as they apply to paid services.

Article 6: The financial flow for non-scheduled services

In paid non-scheduled services, payment is made upon requesting the service or per the mechanism displayed within the app.
Payment alone is not a reason for the provider to become finally entitled to the amount.
The amount remains subject to the operational and financial procedures until the service is delivered, its status appears complete, or it is deemed executed per the system records.
The objection window for non-scheduled services begins from the time the service is delivered, its status appears complete, or from the time the management deems the service executed per the system records.
The provider does not become entitled to their net entitlement except after the objection window ends and there is no material report, bank chargeback, violation, or settlement impediment.
The provider undertakes to deliver the service per the description, duration, nature, and details they offered within the app.
The provider may not deliver a deficient, empty, token, or non-conforming service with the intent to close the request or collect the consideration.
If the provider does not deliver the non-scheduled service, or delivers it in a manner contrary to the description, the service seeker may file a report during the objection window.
The management, after review, may refund the amount in whole or in part, withhold the provider's entitlements, forfeit them, or take any appropriate regulatory measure.
If the service is of a taste-based, creative, or interactive nature, the service seeker's personal dissatisfaction is not an automatic reason for a refund whenever it is established that the service was delivered per the description.
If the service description was misleading, exaggerated, or materially ambiguous, the provider bears the consequence of that even if they delivered content, a file, or a message.
The platform may withhold the provider's entitlements if reports about their non-scheduled services recur or if there appear indicators of fraud, poor quality, lack of seriousness, or using the service for external redirection.
The governing financial share applies to paid non-scheduled services per the following division of the value of the service: 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform.
The 10% booking fee or service fee is not included within the provider's entitlements under any circumstances.
The provider may not request an additional amount outside the app in return for delivering, modifying, completing, or expediting the non-scheduled service.
If it appears that a non-scheduled service is actually used as a means to arrange an external appointment, external payment, or communication outside the app, the platform may delete it and take action against the provider.
The platform may reclassify or suspend any non-scheduled service if it appears that it in reality requires an appointment or direct communication or carries higher operational risks.
The platform bears no responsibility for the service seeker's use of the outputs of the non-scheduled service or their reliance on it in a personal, professional, financial, or social decision.
If the non-scheduled service contains violating, abusive, or prohibited content, the platform may delete it, withhold the entitlements, deactivate the account, or take any appropriate measure.
The provider acknowledges that formal delivery of the service is not sufficient for entitlement to the consideration if it is established that the service does not conform to the description or involves misleading or a violation.

Article 7: Appointments with instant payment and direct acceptance

The following appointments, when paid and available within the app, are subject to instant payment and direct acceptance: voice communication, video communication, and direct text chat.
When the service seeker completes the payment successfully, the booking is deemed confirmed per the system status.
These appointments do not require subsequent acceptance from the provider after the booking.
The provider acknowledges that making these appointments available for direct booking is a prior acceptance on their part to attend and execute at the specified time.
The provider undertakes to attend, be ready, and start at the specified time through the app's tools.
The provider may not add an appointment bookable directly unless they are certain of their ability to execute it fully at its time.
The provider bears responsibility for monitoring their schedule within the app and ensuring there is no conflict, engagement, travel, or circumstance preventing them from executing the appointment.
The service seeker undertakes to attend at the specified time and to monitor the appointment status within the app.
The service seeker has no right to claim a refund, extension, or compensation if they are late, do not attend, or are not technically ready.
Time lost due to the service seeker's lateness is counted from the appointment duration, and the provider is not obligated to compensate for it.
The value of the appointment remains not finally due to the provider until the appointment ends, the objection window ends, and there is no report, objection, violation, or settlement impediment.
If it is established that the non-execution or material delay is attributable to the provider, the management may refund the amount in whole or in part to the service seeker and charge the provider with the financial and regulatory consequences.
If it is established that the non-execution or delay is attributable to the service seeker, their device, their connection, or their failure to follow up, they have no right to claim a refund.
The platform bears no responsibility for the inability to communicate due to the user's device settings, weak network, or the disabling of the microphone, camera, or notifications.
The financial shares apply to these appointments per the article governing the shares: 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform.
After the booking is confirmed, the provider may not ask the service seeker to change the means of communication to a means outside the app or to move the appointment outside the platform.
The service seeker may not ask the provider to extend the appointment or compensate the time if the cause of the shortfall is attributable to them.
If the service starts and is interrupted for technical reasons attributable to one of the users, the management assesses the effect of that per the system records and reports.
If a confirmed general malfunction from the platform prevents the execution of the appointment, the management may handle the case as it sees fit, including rescheduling or a full or partial refund.
No partial malfunction or minor delay gives rise to an automatic refund unless the management decides that it materially affected the service.

Article 8: The full-day meeting and the travel trip

The full-day meeting and the travel trip are subject to a mechanism of a booking request and acceptance or rejection by the provider.
The service seeker's sending of the meeting or travel request is not a confirmed booking merely by sending it.
The booking becomes confirmed only after the provider accepts the request, then the service seeker completes payment within the specified period, then the booking status appears as confirmed within the system.
The provider undertakes to respond to the meeting or travel request with a clear acceptance or rejection per the mechanism available within the app.
In the event of rejection, the provider must write the reason for rejection in the designated field or per the adopted mechanism.
The provider alone bears responsibility for wording the reason for rejection, and it must not contain any abuse, discrimination, violation, or improper phrases.
The management may review the reasons for rejection and take the appropriate measure if it finds arbitrariness, abuse, unjustified repetition, or a violation.
The provider's acceptance of the full-day meeting or travel trip request is a serious and binding commitment to execute the appointment or trip per the data and details displayed within the app.
The provider may not accept a meeting or travel request except after verifying their full readiness and ability to execute and to commit to the time, place, details, and conditions.
If the provider accepts the request then cancels, does not attend, refrains from executing, or changes the substance of the service without the management's approval, the platform may charge them with all the resulting financial and regulatory consequences.
The consequences the provider may bear upon cancellation or non-execution after acceptance include refunding the amounts to the service seeker in whole or in part, payment fees, refund fees, bank chargeback fees, any operational fees or direct costs the platform incurred, and withholding or forfeiting their entitlements.
A change of the provider's mind, their subsequent unwillingness, an incomplete number of participants, weak demand, or their receipt of an external offer is not a legitimate reason for cancellation after acceptance.
The service seeker acknowledges that, before sending the meeting or travel request, they are responsible for reviewing the details, time, place, duration, price, and what the appointment or trip includes and excludes.
The platform does not guarantee the provider's acceptance of meeting or travel requests, and sending the request is not a right of the service seeker to compel the provider to accept.
If the provider rejects the request before payment, no financial claim arises for the service seeker against the platform or the provider by reason of the rejection, unless the rejection contains an independent abuse or violation the management reviews.
The platform may suspend the provider's ability to receive meeting or travel requests if they repeatedly issue unjustified rejections, cancel after acceptance, fail to attend, or show weak commitment.
The service seeker may not treat the provider's acceptance as effective without completing payment within the specified period.
After acceptance, the provider may not ask the service seeker to pay outside the app, modify the price, or add undisclosed amounts.
In the full-day meeting and the travel trip, the financial entitlement remains subject to execution, the objection window, reports, and the system records.
The governing financial shares apply to the full-day meeting and the travel trip: 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform, unless a special agreement or an express special mechanism appears within the app.

Article 9: The payment deadline after accepting the meeting or trip

If the provider accepts the full-day meeting or travel trip request, the service seeker is notified to complete payment.
The payment deadline is twenty minutes, unless the platform adopts another deadline that appears within the app or in an updated policy.
The payment deadline begins from the time the service seeker is notified or from the time the request status moves to awaiting payment within the system, per what the system records determine.
If payment is not made within the specified deadline, the system may drop the request, deem it incomplete, or re-list the appointment or trip for booking.
The expiry of the payment deadline does not give rise to any financial or execution obligation on the platform or the provider.
The platform bears no responsibility for the service seeker's failure to pay within the deadline due to their not following the app, delayed notifications, weak network, device settings, or any reason beyond the platform's control.
The service seeker undertakes to follow up on the status of their request within the app after sending it, and may not rely on notifications or email alone as a conclusive means to know the request status or the beginning or end of the payment deadline.
If the payment deadline expires, the service seeker has no right to compel the provider to re-make the appointment, trip, price, or the same conditions available.
The platform may, whenever it sees an operational interest, reopen the payment deadline, re-list the appointment, or allow a new request, without this constituting an acquired right of the service seeker in future cases.
If a confirmed malfunction of the system itself occurred that prevented payment within the deadline, the management may handle the case as it sees fit, including re-enabling payment, dropping the request, rescheduling the appointment, or any other measure.
The provider's acceptance of the request alone is not a reason for a confirmed booking to arise if payment is not completed within the deadline.
The provider is not entitled to any amount for a request they accepted then whose payment the service seeker did not complete.
If the service seeker attempts to pay after the deadline expires and the system does not accept the transaction, they have no right to object to the dropping of the request.
If the payment is completed successfully after an exceptional processing adopted by the platform, the management determines the booking status per the system records.
No party may agree outside the app to extend the payment deadline or confirm the booking without completing payment within the system.

Article 10: Expiry of unconfirmed requests

An unconfirmed request does not create a final obligation on the platform, the provider, or the service seeker.
In the full-day meeting, the unconfirmed request expires upon the end of the time set for the appointment by the provider, upon the expiry of the payment deadline, or upon the cancellation of the request by the system, whichever is earlier.
In the travel trip, the unconfirmed or unpaid request lapses upon the expiry of the payment deadline, upon the end of the operational period of the trip, or upon the cancellation of the request by the system, whichever is earlier.
The system or the management may cancel or drop any incomplete, unpaid, or unconfirmed request.
The expiry of the unconfirmed request gives rise to no entitlements for the provider.
The expiry of the unconfirmed request gives rise to no right of the service seeker to compensation or to compel the provider or the platform to re-make the appointment available.
If the request remains technically or operationally visible after it has lapsed or its period has ended, that does not mean it has become confirmed or binding.
What matters is the status of payment, acceptance, and confirmation within the system records.
The platform may clean up incomplete requests, hide or delete them, or move them to an expired, cancelled, or incomplete status.
The service seeker may not use the unconfirmed request to claim a price, appointment, trip, or communication opportunity after the deadline has expired or the request has lapsed.
The provider may not claim from the platform any amount or compensation for a request that was not completed, paid, or confirmed.
If a user repeatedly sends unserious requests or leaves them without payment or confirmation, the platform may restrict their use or take an appropriate regulatory measure.
The provider may not treat the unconfirmed request as a booking that prevents them from accepting other requests or obligates the platform to protect it financially.
If the unconfirmed request is cancelled by the system, no independent notice to each party is required whenever the status is visible or trackable within the app.
The platform bears no responsibility for any personal or external arrangement any party made based on an unconfirmed request.

Article 11: The travel trip and its types

The travel trip within the Būlum app is divided into two main types: "I have a travel trip I manage," and "I am available as a companion for a travel trip," and the platform may add other types, names, or classifications as it sees fit.
In the type "I have a travel trip I manage," the provider is responsible for preparing the trip, and for determining its schedule, route, locations, timing, duration, the number of seats or participants, the nature of the experience, what the price includes, what the price excludes, and any special conditions, instructions, or requirements.
In the type "I am available as a companion for a travel trip," the provider is responsible for clarifying the nature of their accompaniment, the limits of their role, what they will provide to the service seeker, what does not fall within their obligation, and whether their expenses, transport, accommodation, meals, or any other costs are included in the price or not.
Būlum is not a trip organizer, a travel agency, a tourism company, a transport company, an insurance entity, a safety entity, or an entity responsible for the trip's locations, its route, the means of transport, the places of accommodation, or the external parties associated with it.
Būlum's role in travel trips is limited to making the listing available within the app, organizing the booking, enabling payment, opening communication within the app, retaining the operational records, and handling reports, refunds, and settlements per this policy.
The provider alone bears responsibility for the correctness of the trip details, their legality, suitability, and general safety, and their compliance with the regulations, instructions, customs, values, and public decorum.
The provider alone bears responsibility for any permit, license, approval, or regulatory requirement that may be necessary according to the nature of the trip, its place, its activity, the number of participants, or the manner of its execution.
The service seeker bears their responsibility to assess the trip's suitability for them, to read its details, to know what the price includes and excludes, and to verify their personal, health, financial, and practical ability to participate before booking.
The platform bears no responsibility for the safety of the route, accommodation, transport, places, facilities, activities, persons, or external parties related to the trip.
The provider may not use the travel trip to offer a prohibited, violating, or unlicensed activity whenever a license is required, or to use the trip as a means of communication, payment, or agreement outside the app.
The platform may cancel, hide, or suspend any trip it sees as unclear, high-risk, in violation, misleading, unsuitable, or that may cause harm to the users or the platform.
If the trip requires special conditions, such as age, fitness, permits, documents, adherence to certain conduct, attendance at a specific time, or special equipment, the provider must clarify that within the trip details before booking.
The service seeker may not demand from the platform or the provider the provision of elements not expressly stated in the trip description or in the field of what the provider will provide.
The provider may not demand from the service seeker, after booking, any additional amount for elements that should have been stated before booking, or for costs they did not expressly clarify as excluded from the price.
If any material ambiguity appears in the trip details, the management may interpret the ambiguity in a way that protects the service seeker and the platform, and that places its effect on the party who caused the ambiguity.
If the trip includes more than one service seeker, seat, or participant, the provider undertakes to organize execution in a way that does not harm those who completed the booking and payment.
The provider may not cancel the trip or refrain from executing it because of an incomplete number of seats or a shortfall in the number they expected, unless the minimum-number condition is visible, express, and adopted within the app before booking.
If the trip involves prior communication or coordination, it must be within the app and through the adopted communication tools.
Neither the service seeker nor the provider may, after booking, move the trip to an external agreement, external payment, or an arrangement outside the app.
The governing financial shares adopted in this policy apply to paid travel trips, which are 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform, unless a special agreement or an express special financial mechanism appears within the app.

Article 12: Executing the trip with any number of bookings

If the provider adds a travel trip and specifies a number of seats, travelers, or participants, then one or more service seekers complete the booking and payment, the provider undertakes to execute the trip for those who completed the booking.
The provider has no right to cancel the trip or refrain from executing it because of an incomplete number of seats, a shortfall in the expected number, or a failure to achieve the return they expected.
An incomplete number of seats, weak demand, or a small number of participants is not a legitimate reason for cancellation or for requesting additional amounts from the service seekers.
The provider undertakes to price and plan the trip in a manner that enables them to execute it even if the number is not complete, unless they have activated an adopted, express, and visible minimum-number condition within the app before booking.
If executing the trip is conditional on a minimum number of participants and this option is available and adopted within the app, it must appear expressly to the service seeker before booking and payment.
If the minimum-number condition does not appear expressly within the app before booking, the provider may not invoke it after a confirmed booking exists.
After the booking is confirmed, the provider may not require the service seeker to pay an additional amount because of an incomplete number, an increased cost to them, or a change in their circumstances.
If the provider refrains from executing the trip because of an incomplete number, the management may deem that a material violation.
Upon violation of this article, the management may refund the amounts to the service seekers in whole or in part, forfeit the provider's entitlements in whole or in part, and charge them with payment, refund, objection, or any resulting operational fees.
The management may suspend the provider's account temporarily or permanently, prevent them from adding new trips, restrict their visibility, or suspend some of their account features upon recurring cancellation, poor planning, or lack of seriousness.
The platform bears no losses, costs, or personal expenses the provider claims as a result of their misjudgment of the number, price, cost, or financial feasibility of the trip.
The provider may not place on the service seeker or the platform the effect of their misjudgment, poor cost management, or the lack of clarity of their offer.
If the trip is cancelled due to genuine force majeure, an official order, or an established material danger, the management alone assesses the effect of that financially and regulatorily and handles the case as it sees fit.
If the cause of non-execution is attributable to the service seeker, such as non-attendance, violating the conditions, or bringing unauthorized companions, they have no right to claim a refund merely for their non-participation.
If the cause of the impossibility of execution is shared between the two parties, the management assesses the financial effect according to actual responsibility, the system records, and the available presumptions.
If the provider's cancellation of the trip results in a bank chargeback, refund fees, or direct costs on the platform, the platform may charge them those fees or deduct them from their current or future entitlements.
Refunding the amount to the service seeker does not prevent the platform's right to take additional measures against the provider.
The provider may not argue that the trip is no longer economically feasible after a confirmed booking exists, unless they had clarified an adopted and accepted condition before booking.
The platform may set future restrictions on trips that require a certain number of participants or in which cancellation or disputes recur frequently.
The provider acknowledges that adding a trip within the app is a serious operational commitment, and that they must bear the results of pricing, planning, and execution.

Article 13: What the trip price includes

The provider undertakes to write the trip details fully and clearly in the designated fields within the app.
The provider must clarify whether the price includes transport or not.
The provider must clarify whether the price includes accommodation or not.
The provider must clarify whether the price includes meals or not.
The provider must clarify whether the price includes entry fees, permits, or tickets or not.
The provider must clarify the trip route, its schedule, the places of departure, the places of arrival, the main points, the nature of the experience, the expected duration, and any necessary conditions or instructions.
The provider must clarify specifically what they will provide, and what does not fall within their obligation.
The provider must clarify any expenses the service seeker may bear beyond the price displayed within the app.
The value of the trip includes only what the provider expressly stated in the trip details and in the field of what they will provide.
Any tickets, accommodation, transport, meals, entry fees, permits, insurance, or expenses not expressly stated are not deemed included in the price.
Būlum bears no unstated expenses or obligations beyond what appears within the app.
The provider bears responsibility for any ambiguity, deficiency, or misleading in the trip details.
If a dispute arises over what the price includes, what matters is what is expressly written within the app at the time of booking.
No account is taken of external promises, understandings, messages, or agreements that are contrary or unproven within the system.
The provider may not demand from the service seeker additional amounts for elements that were reasonably, customarily, or per the description assumed to be included in the trip, unless they had clearly excluded them before booking.
The service seeker may not demand from the provider additional elements not expressly stated within the trip details or the price.
In the event of materially ambiguous or deficient descriptions, the management may interpret the ambiguity against the party that caused it, especially if the ambiguity originated from the provider upon creating the trip.
The platform may suspend trips that contain vague, misleading, or deficient descriptions, or that carry unverifiable promises or may lead to recurring disputes.
The provider acknowledges that clarity of what the price includes and excludes is among their most important obligations, and that breaching it may lead to a partial or full refund, forfeiture of entitlements, or the taking of regulatory measures.
The provider may not use the trip description to conceal the real costs or to surprise the service seeker with material expenses after booking.

Article 14: Companions in trips and meetings

Booking within Būlum is for the service seeker alone, unless otherwise expressly stated in the details of the service, trip, or meeting.
The service seeker has no right to bring companions without an independent booking or a clear and prior permission within the service details.
In travel trips with available seats, every companion wishing to join must book an independent seat whenever that is available and required within the app.
The provider is not obligated to receive any person not registered in the booking or not authorized within the service details.
The attendance of unregistered or unauthorized companions is an operational violation by the service seeker.
The provider or the management may refuse the continuation of any unregistered or unauthorized companion.
If the service seeker attends with an unregistered or unauthorized companion, they have no right to claim a refund because of the provider's refusal to receive the companion or because of the impossibility of executing the service as a result of this violation.
The service seeker bears full responsibility for any companion they bring with them, including the companion's conduct, harms, violations, and any obligations that may result from them.
If the provider allows the presence of companions per the service details, this must be clarified before booking in terms of number, fees, conditions, and whether the companion is included in the price or not.
The platform bears no responsibility for any dispute, harm, or obligation arising from the attendance of unregistered or unauthorized companions within the booking.
The platform may deem the introduction of unauthorized companions or the attempt to impose them on the provider a breach by the service seeker that affects their right to a refund or compensation.
If the companion is a minor or of limited capacity, the service seeker and the guardian, as the case may be, bear full responsibility for the validity, legality, suitability, and legal consent of their attendance.
The provider may not increase the price or impose companion fees outside the app after booking.
If the service seeker violates this article, the management may reject their report or refund whenever the cause of the malfunction is attributable to the attendance of an unauthorized companion.
The platform may set special conditions for companions in trips, meetings, or in-person services whenever it sees fit.

Article 15: Minors and persons of limited capacity

The use of the app by minors and persons of limited capacity is subject to the controls set out in the Terms of Use, this policy, and the relevant regulations.
For in-person appointments, the full-day meeting, and travel trips, a minor's participation is conditional on the consent of the legal guardian.
The minor, their guardian, or whoever allowed them to use the account, book, or participate bears responsibility for the validity of the consent, the suitability, and the legality of the attendance.
The platform may cancel or suspend any booking it sees as unsuitable for the minor or that may pose a danger to them or violate the regulations, values, or safety.
Būlum bears no responsibility for any violation committed by the provider or the service seeker regarding the minor's capacity or the guardian's consent.
The guardian or whoever allows the minor to use the account, book, or participate acknowledges that they are responsible for monitoring the minor's use of the app and for any obligations, amounts, or conduct arising from them.
The provider may not exploit the minor, request their data, communicate with them outside the app, or provide a service unsuitable for their age, condition, or capacity.
The platform may request any information, evidence, or approvals it sees fit when there is a booking, service, or trip relating to a minor or a person of limited capacity.
The platform may cancel or suspend the service or booking without compensation if it appears to it that the minor's participation is unclear, unsuitable, or may violate the regulations, values, or safety.
The provider bears responsibility for taking into account the nature of the target audience of their service, and for cautioning if the service is unsuitable for minors or requires a certain age or a guardian's consent.
No party has the right to claim compensation from the platform for cancelling or suspending a booking relating to a minor if the platform's decision is based on protecting the minor, compliance, safety, or reasonable suspicion.
Any violation relating to minors is among the serious violations upon which the platform may deactivate the account, withhold entitlements, or refer the matter to the competent authorities when needed.
Minors may not be used in content, a service, a broadcast, or a meeting in an abusive, exploitative, or manner in violation of the regulations or values.
If it appears to the platform that an account is being used by a minor inappropriately, it may restrict, suspend, or request additional verification.
The platform's acceptance of a particular account or booking is not an acknowledgment by it of the validity of the minor's capacity or the guardian's consent.

Article 16: Opening communication within the app

Communication between the service seeker and the provider is through the communication tools available within the app.
In voice communication, video communication, and direct text chat, communication begins per the specified time, the system status, and through the adopted mechanism.
Per the adopted operational settings, the initiation of communication or the start of the service is from the provider's side, unless the platform adopts another mechanism.
In the full-day meeting, communication opens between the two parties three hours before the appointment time, unless the platform adopts another duration that appears within the app or in an updated policy.
In the travel trip, communication opens from the time the booking is confirmed, regardless of the trip's start date, unless the platform adopts another mechanism.
All communication relating to the booking, service, or trip must remain within the app.
Any communication outside the app with the intent to agree, pay, execute, or circumvent is a material violation.
The platform may make available, close, restrict, or organize the communication tools according to the type of appointment, the booking status, operational interest, or the regulatory or technical requirements.
The user has no right to demand the continuation of a particular communication feature if the platform decides to modify it, restrict it, make it available to a certain category, or tie it to conditions.
The platform may make some communication tools unavailable except during the appointment time, before it, or after it by a specified period.
The platform may restrict voice or video calls to appointments that have started, been confirmed, or in which the start code has been verified, according to the type of service.
The platform may set conditions for using some communication tools, such as verification, a certain follower count, a good usage record, the absence of material reports, or any other conditions it sees fit.
The platform bears no responsibility for the user's inability to communicate due to a weak network, disabled permissions, device problems, an un-updated app, or failure to follow the booking status.
The user acknowledges that the communication tools within the app may be supporting for executing or organizing the service, and are not by themselves a guarantee of the quality of the service, its recording, or the retention of everything that takes place within it.
Using the communication tools within the app to send numbers, links, codes, or instructions that lead to moving the dealing outside Būlum, forfeiting the platform's rights, or bypassing the payment and booking mechanism is prohibited.
The platform may monitor, review, analyze, or retain some communication records to the extent necessary for operation, security, reports, or compliance, per the Privacy Policy and the applicable regulations.
The platform is not obligated to provide an alternative means of communication if one of the parties breaches their obligation, was not technically ready, or did not use the feature at the specified time.
If communication is disrupted due to a malfunction in one party's device, network, or permissions, the party at fault bears the effect of that per what the management decides.
The communication tools may not be used for threats, abuse, extortion, harassment, nuisance, or sending violating content.
Any violation in the communication tools may lead to suspending communication, restricting the account, forfeiting entitlements, or taking a regulatory or statutory measure.

Article 17: Starting the service

The service or communication is started through the button or mechanism adopted within the app.
Per the adopted operational settings within the app, the button to start communication or start the service is on the provider's side, unless the platform adopts another mechanism.
The provider undertakes to attend, be ready, and start at the specified time.
The provider's failure to press the start-communication button, their delay, or their lack of readiness does not grant the service seeker an automatic refund; rather, that is handled per the reports, the system records, and the management's decision.
The management may deem the provider's delay or failure to start the service a violation affecting their entitlements, rating, and account.
The start code, when visible, available, or required according to the type of service or appointment, is a mandatory procedure to begin executing the service operationally, and no party may disable it or refrain from cooperating to complete it.
Before the appointment begins, the provider undertakes to verify the readiness of their device, connection, and the permissions of the camera, microphone, internet, location, and any requirements necessary to execute the service.
Before the appointment begins, the service seeker undertakes to verify the readiness of their device, connection, and the permissions of the camera, microphone, internet, and location, and to follow the appointment time and the booking status within the app.
Notifications, email, or alerts are not the conclusive or sole means to know the beginning or end of the appointment, and each party must follow the appointment themselves within the app.
The platform bears no responsibility for any party missing the beginning of the appointment due to a delayed notification, a non-arriving email, a weak connection, device settings, forgetfulness, or failure to follow up.
If the appointment starts late due to the provider, the management assesses the effect of the delay on the service and the entitlements.
If the appointment starts late due to the service seeker, they have no right to claim a refund, extension, or compensation for the lost time.
If the appointment does not start because one party refuses to complete the start code, disables the start procedure, or does not cooperate, the management may deem that a presumption against the refusing party.
No party may claim ignorance of the appointment time whenever the booking data is visible within the app or the booking, payment, or acceptance was previously confirmed per the system records.
The platform may recognize the start of the service or its non-start based on the system records, the start code, the messages, the booking status, the reports, and any other available presumptions.
If the provider deliberately delays the start or leaves the service seeker in unjustified waiting, the management may forfeit part or all of their entitlements according to the effect.
If the service seeker deliberately disables the start, does not enter, does not enter the code, or disables the permissions, they have no right to argue the non-execution of the service.
No party may move the start of the service to an external means or treat external communication as a substitute for starting the service within the app.
In the event of a confirmed general malfunction in the platform that prevents the start, the management may handle the case as it sees fit without this giving rise to automatic compensation.
Starting the service within the app or the proof of its availability per the records is an important operational presumption in determining entitlement and refunds.

Article 18: The start or attendance code

The system issues a start code, an attendance code, a QR code, or a verification number in certain types of appointments or services, especially the full-day meeting and the travel trip, or any other services the platform adopts.
The start code, when available, visible, or required within the app for the service or appointment, is a mandatory procedure to begin executing the service or to prove the commencement of the meeting or trip or the attendance of the parties.
The provider undertakes to display the code or provide it to the service seeker whenever that is available, required, or necessary to start.
The service seeker undertakes to enter the code whenever that is available, required, or necessary to start.
Entering the start code is a strong operational presumption of the start of the meeting or trip, the attendance of both parties, or the availability of the service.
The provider may not refrain from issuing, displaying, or enabling the start code if the system requires or provides it to start.
The service seeker may not refrain from entering the start code, disable it, or delay it with the intent to create a dispute, request a refund, or prevent the provider's entitlement.
The non-verification of the start code may lead to the service being deemed unexecuted or suspended for review, and the platform may, based on its technical records, the appointment data, the messages, the reports, and the parties' conduct, take the appropriate decision regarding entitlement, refunds, or any other regulatory measure.
If it is established to the management that the non-verification of the start code is attributable to the provider, it may refund the amount in whole or in part to the service seeker, and withhold or forfeit the provider's entitlements, and charge them with the resulting fees or consequences.
If it is established to the management that the non-verification of the start code is attributable to the service seeker, they have no right to claim a refund or compensation for the non-execution of the service or the non-start of the appointment.
The start code is not the only means to prove execution or its absence, but it is among the most important adopted operational presumptions upon review.
The management may rely on the code together with the system records, the messages, the reports, and the rest of the presumptions.
If any general technical description of the verification procedure appears within the app, the provisions of this policy are the reference in determining the financial and regulatory effect of the start code and the end code.
The platform may modify, expand, restrict, or make the verification procedures necessary for other types of services or appointments whenever it sees fit.
Users acknowledge that the start code was established to protect the two parties and the platform and to reduce disputes, and that misusing it, disabling it, or refraining from cooperating in it is a material violation.
The platform bears no responsibility for any party's inability to use the start code due to a weak network, a malfunction in their device, their unfamiliarity with the method of use, or their failure to follow the visible instructions.
The management may, in exceptional cases, adopt other evidence or presumptions of the start of the service if a genuine technical malfunction in the code or the system is established, without this constituting an acquired right in all cases.
Neither the service seeker nor the provider may agree to ignore the start code or replace it with an external procedure or communication outside the app.
If it is established that any party manipulated the start code or attempted to use it without right, the platform may take the appropriate financial and regulatory measures.
The start code, once entered correctly, does not prevent the service seeker from filing a subsequent report during the objection window if they have a valid reason, but it is an important presumption of the start of the service or the attendance.

Article 19: Ending the service and the end code

The service, appointment, or trip is ended per the mechanism adopted within the app.
Per the adopted operational settings within the app, ending the appointment or trip may be from the provider's side, unless the platform adopts another mechanism.
The service seeker does not have the ability to end the service financially or operationally except through the mechanisms the platform adopts.
The service seeker has the right to file a report or objection during the objection window per the provisions of this policy.
If the provider ends the appointment or trip before the specified end time, the system may issue an end code, a verification procedure, or a supporting code that can be displayed to the service seeker to enter.
If the appointment or trip time ends automatically per the specified time, the status may move to ended appointments without the need for an end code.
The automatic ending of the appointment upon the end of its time is an operational presumption of the end of the service.
The end code is a supporting operational presumption and is not the only means to prove the completion of the service.
Ending the service manually or automatically does not prevent the service seeker from filing a report during the objection window.
The end code is a supporting procedure to prove the end or completion of the service, and is not a necessary condition for disbursing the provider's entitlements whenever the platform establishes the start of the service and its execution or availability per the appointment data and system records.
The failure to issue the end code or verify it does not by itself cause the service to be deemed unexecuted or incomplete, nor does it prevent the platform from recognizing the end of the appointment, closing it, or settling its entitlements whenever its specified time has ended or its execution is established per the available records.
The service seeker may not refrain from the end code, if any, with the intent to disrupt the disbursement of entitlements or create a dispute, nor may the provider use the end code to pressure the service seeker or prevent them from reporting.
The service seeker's agreement to the end code or their failure to enter it is not an automatic waiver of their right to file a report during the objection window, and its non-entry is not an automatic reason for a refund.
If the appointment, trip, or service ends per the specified time or the system status, the platform may deem it operationally ended even if the end code was not entered.
The management may rely on the start code, entry records, the appointment time, the communication records within the app, the messages, the reports, the ratings, and any other technical or operational indicators when adjudicating any dispute relating to the execution of the service or entitlement to the financial consideration.
If the provider ends the appointment early in an unjustified manner and that materially affects the service seeker, the management may refund part of the amount, forfeit part of the provider's entitlements, or take a regulatory measure.
If the appointment ends early by agreement of the two parties within the app, because of the service seeker's benefit, or because they no longer need the remaining time, no automatic refund arises.
If the service seeker deliberately disrupts the end of the service or raises a dispute despite its execution, the management may reject their request and take a regulatory measure against them upon repeated conduct or the proof of bad faith.
The platform is not obligated to record all the facts of the end of the service or to keep an audio or video recording of it, and the system records, the reports, and the available presumptions are the operational reference upon review.
The platform may modify the mechanisms for ending the service, tie them to codes or additional verification procedures, or make them automatic or manual as it sees fit.

Article 20: The objection window

The objection window is twelve hours, beginning from the time the service, appointment, or trip ends or is deemed to have ended by operation of the rules per the system records.
The objection window is counted from the time the appointment specified in the system ends, the time the provider ends the appointment, the time the trip ends per its operational date, or the time the service is deemed ended by operation of the rules per the system status.
During the objection window, the service seeker has the right to file a report, rating, or objection per the available mechanism.
After the objection window ends without a material report, the service may be deemed operationally accepted.
The end of the objection window does not mean preventing the consideration of bank chargebacks, serious reports, or statutory violations whenever they appear later.
The service seeker undertakes to submit the report within the specified objection window, and has no right to claim a refund or compensation after the window ends merely because they missed submitting the report, unless the management decides otherwise for a material or statutory reason.
The platform bears no responsibility for the failure to submit the report within the objection window due to a non-arriving notification, email, or alert, or due to the user's preoccupation, weak network, or failure to follow the app.
The service seeker acknowledges that they must follow the end of their appointment, service, or trip themselves within the app, and that notifications are a supporting means and not a conclusive or sole means to start or end appointments or to open the objection window.
Filing a report during the objection window is not an automatic acceptance of a refund or final evidence of the provider's shortcoming; rather, it opens a review procedure per the system records and the available presumptions.
If the report arrives after the objection window ends, the management may reject it on procedural grounds, or accept it exceptionally if it sees a serious reason, a statutory violation, or a danger to the users or the platform.
The end of the objection window does not prevent the platform from taking a regulatory or financial measure against any user if it later discovers fraud, circumvention, a serious violation, a bank chargeback, or an official request from a competent authority.
The provider acknowledges that the end of the objection window without a material report does not mean their immediate entitlement to the amount if there is a bank chargeback, an internal review, a suspicion, a violation, a deficiency in their data, or a delay from the payment provider or the bank.
If a report is filed within the objection window, the platform may suspend the settlement or the transfer of entitlements until the review is completed and the appropriate decision is taken.
The platform may, when needed, request information, clarifications, or documents from any party during or after the review of the report, and the party required to respond undertakes to do so within the period the management specifies.
If the service seeker does not cooperate in providing the data or responding to the management's requests relating to the refund or the review, the management may close the report, refuse the refund, or deem them to have waived their claim per the articles on refunds.
If the provider does not cooperate in responding to the report or providing the management with what it requests, the management may take the decision based on the available records, including withholding or forfeiting their entitlements.
No party may use the objection window for abuse, extortion, pressure, or the submission of malicious or repeated baseless reports.
A malicious, repeated, or violating report may lead to restricting the account of its submitter, preventing them from booking, suspending them, or taking any measure the management sees fit.
The objection window does not affect the platform's right to review transactions later when there is a bank chargeback, fraud, an official request, a financial error, or a serious violation.
The objection window is a regulatory tool to protect the two parties and the platform, and is not an automatic guarantee of a refund or entitlement.

Article 21: Reports

Reports are filed through the adopted interface within the app or through the official support channels the platform adopts.
Per the adopted operational settings within the app, the rating or report-filing interface may open after the appointment, service, or trip ends.
The report interface remains available during the objection window per the adopted technical flow.
The service seeker undertakes to submit a clear, specific report supported by whatever information, details, or presumptions they have.
The provider undertakes to cooperate with the management in responding to reports and providing whatever clarifications, data, documents, or presumptions are requested of them.
The management has discretionary authority to assess reports per the system records, the booking status, the payment status, the conversations, the codes, the start and end times, the service description, the parties' conduct, any available documents or presumptions, the user's or provider's record of prior reports, the ratings associated with the service, and any technical or operational indicators the management deems relevant.
Filing a report is not an automatic reason for a refund or for forfeiting the provider's entitlements.
Rejecting a report is not an acknowledgment by the platform of the validity of everything the provider issued; rather, it means the management did not find, per the data available to it, what is sufficient to take a financial or regulatory measure in favor of the reporter.
Accepting a report, a refund, or forfeiting entitlements is not an acknowledgment that the platform is a party executing the service or responsible for its quality; rather, it is a regulatory or financial measure to protect the integrity of transactions within the app.
The reporter undertakes to be honest and accurate and to not exaggerate, manipulate, provide misleading information, or file a malicious report.
If it appears to the management that the report is malicious, repeated, misleading, or aimed at harming the other party or the platform without a valid basis, it may reject the report and take a regulatory measure against its submitter.
The possible measures against malicious or abusive reports include a warning, restricting the use of reports, restricting booking or the offering of services, temporarily suspending the account, permanently deactivating the account, blocking some features, and claiming compensation when there is harm.
The management may contact either party via email, phone, app messages, or any official channel to complete the handling of the report.
The user must respond to the management's requests relating to the report within the period the management specifies, and if no specific period is set, they must respond within twenty-four hours of the request or attempt to communicate being sent.
If the service seeker does not respond to the management's messages or calls relating to a report or refund request within twenty-four hours, the management may close the report, suspend its handling, or refuse the refund as the case may be.
If the provider does not respond to the management's messages or calls relating to a report within twenty-four hours, the management may take the decision based on the available records, including withholding or forfeiting their entitlements, charging them the fees, or taking a regulatory measure against them.
The management may request additional data from the service seeker or the provider, and is not obligated to take a final decision before the information it deems necessary is complete.
The platform is not obligated to provide audio or video recordings of the appointment, service, call, broadcast, or video chat to verify the report; the voice or video calls may not be recorded at all, and the management may rely on the system records and the available presumptions only.
The user may not ask the platform to re-record or deliver audio, video, or chat recordings that are not saved, not technically enabled, or not authorized for delivery.
The platform reserves the right to retain reports, their outcomes, and their records for use in assessing accounts, preventing fraud, improving quality, and taking future regulatory decisions.
If the report includes an allegation of a statutory violation, serious abuse, a threat, fraud, or a danger to the safety of the users or the platform, the management may take an immediate measure without waiting for all responses to be completed.
The platform may, when needed or when there is an official request or a statutory requirement, provide the official, judicial, security, or supervisory authorities with the data, records, or information it has relating to the report, booking, account, or communication, per the applicable regulations.

Article 22: Cancellation after booking per the adopted mechanisms

Cancellation requests after a confirmed booking are subject to the mechanisms the platform adopts within the app or through the announced official channels.
Cancellation requests after a confirmed booking are handled through the app's tools when available, by filing a report after the appointment ends within the objection window, by contacting the app management via the official email, through any support channel the platform adopts, or through any technical tool the platform later adds within the app.
Sending a cancellation request via email, a report, or any support channel is not an automatic acceptance of the cancellation or refund.
The cancellation request is subject to the review of the management, the system records, and the Financial & Regulatory Policy.
Neither the service seeker nor the provider may cancel the booking outside the app or through a side agreement.
When there is a desire to cancel before the service appointment, the management must be contacted immediately through the adopted official channels or by using the adopted tool within the app when available.
The management decides whether to accept or reject the cancellation, reschedule, refund, or withhold entitlements according to the type of service, its time, the reason for cancellation, and the system records.
The administrative, technical, or operational handling of cancellation is an adopted mechanism for managing operations, and the platform may develop, convert, or organize it in any technical or operational form it sees fit, in line with the evolution of technology.
The user acknowledges that the cancellation mechanisms may change, evolve, or become automated within the app, and that notifying users of that through the app, the general notifications tab, the policies page, or any official channel the platform adopts is sufficient.
No party may exploit the adopted cancellation method to evade their obligations, delay notifying the management, or wait for the appointment to end and then claim a refund without a valid reason.
If the provider cancels after a confirmed booking, refrains from executing, or causes the service to become impossible, the management may charge them with the financial and regulatory consequences per this policy.
If the service seeker wishes to cancel after a confirmed booking, their mere desire, a change in their circumstances, or their non-attendance does not grant them an automatic right to a refund.
The confirmed booking remains binding on both parties until the management decides otherwise or it is cancelled per an adopted mechanism within the app.
No party may agree to an external cancellation, external rescheduling, external compensation, or external payment relating to a booking that arose within Būlum.
If the cancellation results in payment costs, bank fees, payment-provider fees, or operational fees, the platform may deduct them from the refunded amount or charge them to the party at fault at the management's discretion.
The platform may reject the cancellation request if the request is late, unjustified, conflicts with the obligations of the other party, or results in operational or financial harm.
The platform bears no responsibility for personal arrangements or external expenses any party paid outside the app in preparation for the appointment, service, or trip, unless they are expressly stated within the app and included in the booking.
If cancellation becomes available through a button or technical tool within the app, the use of that tool is subject to the controls, fees, periods, and cases the platform adopts.
The provider may not use cancellation as a means to force the service seeker to pay outside the app or re-book outside the platform.
The service seeker may not use cancellation or the threat of a report to pressure the provider, extort them, or request undeserved benefits.

Article 23: The cancellation policy before the service appointment

If the cancellation request comes more than twenty-four hours before the service appointment, the management may study the request according to the type of service, the reason for cancellation, and the system records.
Upon accepting a cancellation more than twenty-four hours in advance, the net value of the service due for refund may be refunded after excluding the non-refundable 10% booking fee or service fee and any non-refundable payment fees, bank fees, or costs.
If the cancellation request comes less than twenty-four hours before the service appointment, the service seeker is not guaranteed a refund, and the default in that case is the non-acceptance of the cancellation.
Cancellation less than twenty-four hours in advance is subject to the management's discretion, the reason for cancellation, the type of service, the provider's readiness, and the effect on them and on the platform, and the default in that case is the non-acceptance of the cancellation.
The 10% booking fee or service fee is non-refundable as a general rule after the booking is completed, unless the regulations require otherwise or the management decides to refund it exceptionally, without this constituting an acquired right.
If the reason for cancellation is attributable to the provider, the management may refund the amount to the service seeker in whole or in part after deducting the fees the policy specifies, and withhold or forfeit the provider's entitlements.
If the reason for cancellation is attributable to the service seeker, the management may not refund the amount or may refund part of it according to the timing of the cancellation and the effect on the provider and the platform.
No party may exploit the cancellation mechanism to evade obligations or delay notifying the management.
The provider acknowledges that their placing of an appointment or service within the app is a serious commitment, and that they must not place an appointment unless they are ready to execute it fully at its time.
The provider's cancellation before the service appointment without a valid reason may lead to financial and regulatory measures, even if the cancellation is more than twenty-four hours in advance, if the management sees that it harms the service seekers, recurs, or affects the reliability of the platform.
If the provider repeatedly cancels appointments, trips, or services after they are booked or near their time, the platform may restrict their account, reduce their visibility, prevent them from adding new appointments, or suspend some of their features.
The provider's preoccupation, poor scheduling, acceptance of other commitments, or forgetting the appointment is not a legitimate reason exempting them from responsibility.
The service seeker's preoccupation, forgetfulness, change of mind, lack of readiness, or weak technical readiness is not a sufficient reason to obligate the platform or the provider to refund the amount.
If the service seeker requests cancellation due to an emergency circumstance, the management alone assesses the case, and no automatic right to a refund arises from that.
If the management accepts a cancellation exceptionally in a particular case, that is not a binding precedent for it in other cases.
The platform may calculate any taxes, statutory fees, or payment, transfer, or processing costs within the non-refundable amounts whenever they have actually accrued or their recovery from the relevant entities is impossible.
Neither the service seeker nor the provider may agree to move the appointment or service outside the app instead of cancelling, and that is deemed circumvention of the platform.
If the booking is tied to a trip, an in-person meeting, or an arrangement requiring prior preparation, the management may be strict in rejecting late cancellation or charge the party at fault with whatever fees or direct harms resulted from their cancellation.
If the cancellation is due to a violation, misconduct, lack of capacity, or a suspicion from one of the parties, the platform may cancel the booking without compensation to the violating party.
The platform bears no compensation for loss of opportunity, indirect harm, external arrangements, or personal expectations because of the cancellation.

Article 24: The provider's non-attendance

The provider's non-attendance, lack of readiness, or non-execution of the appointment is a material operational violation.
If the provider does not attend, the service seeker may file a report during the objection window.
The management, after review, may take any of the following measures: refund the amount to the service seeker in whole or in part, forfeit the provider's entitlements, withhold the provider's entitlements, charge the provider with payment, objection, or refund fees whenever the cause is attributable to them, issue a warning, temporarily or permanently suspend, reduce visibility, prevent the addition of new appointments, suspend some financial or communication features of their account, and require them to submit a clarification or undertaking before re-activating their services.
Būlum does not bear the consequence of the provider's non-attendance whenever the shortcoming is theirs, and its role is confined to the operational and financial handling per this policy.
The provider acknowledges that adding an appointment within the app is not a non-binding advertisement; rather, it is a commitment on their part towards whoever books and pays or confirms the booking per the adopted mechanism.
The provider must not add any appointment, trip, or service unless they are able, ready, and committed to executing it, and must bear the consequence of any negligence, misjudgment, or lack of readiness.
If the provider claims a circumstance prevented them from attending, the management may request proof of that, and is not obligated to accept the excuse if it sees it as insufficient, repeated, or undocumented.
The provider is not exempted from responsibility merely because a notification, email, or alert did not arrive, because they must follow their appointments and accounts within the app themselves.
The provider is not exempted from responsibility if their non-attendance is due to a weak internet connection, an unready device, an un-updated app, or disabled permissions, unless a general malfunction of the platform itself is established.
If the provider does not attend a paid appointment and the service seeker attended or was ready at the specified time, the management may charge the provider with the full financial effect, including the fees and the non-refundable costs.
If the provider's non-attendance recurs, the platform may remove their appearance in search results, prevent direct bookings on them, convert some of their services to prior approval, or deactivate their account.
The platform may publish or display rating, reliability, or commitment-record indicators, whenever it adopts that, without this being defamation, whenever it is based on operational records within the app.
If the provider's non-attendance causes a bank chargeback, a financial claim, or harm to the platform's reputation, the platform may claim compensation from them or effect a set-off from their entitlements.
The provider's non-attendance in a free service may not create a financial effect, but it remains a regulatory violation that may lead to reduced visibility, account restriction, or preventing the addition of free or paid appointments.
The management may classify the provider's non-attendance as a minor, medium, or serious violation according to the type of service, its timing, the recurrence of the violation, the size of the harm, and the number of those affected.
Refunding the amount to the service seeker is not a waiver by the platform of its right to charge the provider with any fees, costs, or additional measures, and claims against them are raised with any competent authority.
If the provider does not attend a full-day meeting or travel trip after accepting the request and the service seeker paying, that is deemed a serious breach unless a compelling excuse the management accepts is established.
If it is established that the provider's non-attendance was deliberate or due to their desire to move the dealing outside the app, the platform may forfeit their entitlements and claim the agreed compensation.
The provider may not use non-attendance as a means to cancel the transaction and then re-agree with the service seeker outside the platform.
The platform retains the right to review the provider's prior record when deciding the appropriate measure upon non-attendance.

Article 25: The service seeker's non-attendance

If the provider attended or was ready to execute at the specified time, and the service seeker did not attend or was late, the service seeker bears the consequence of their non-attendance or lateness.
The service seeker has no right to claim a refund, extension, or compensation because of their lateness or non-attendance.
The service seeker settles for whatever duration or benefit they obtained if they entered late during the remaining time.
The provider is not obligated to extend the service time because of the service seeker's lateness.
The management has discretionary authority in exceptional cases whenever it finds a valid justification.
The service seeker acknowledges that the confirmed booking reserves the provider's time and their opportunity to receive other bookings, and therefore non-attendance or lateness is the service seeker's responsibility.
The service seeker is not exempted from the effect of non-attendance because a notification, email, or alert did not arrive, because they must follow their appointments within the app themselves.
The service seeker is not exempted from the effect of non-attendance due to a weak connection, an unready device, disabled camera or microphone permissions, an un-updated app, or unfamiliarity with its use.
If the service seeker does not attend at the specified time, the platform may deem the service executed or available for execution whenever the provider attended, started the service, or was ready per the system records.
If the service seeker is late for a voice, video, or direct text appointment, the lost time is counted from the appointment duration, and the provider is not obligated to compensate for it.
If the service seeker does not attend an in-person meeting, a full-day meeting, or a travel trip, they have no right to claim a refund merely for their non-attendance, whenever the provider was ready, present, or had begun executing their obligation.
If the service seeker's non-attendance caused the provider to be disrupted, wasted the trip or meeting time, or disturbed the rest of the bookings, the management may reject any refund claim submitted by them.
If the service seeker's non-attendance is due to a compelling or emergency circumstance, the management alone assesses whether to accept or reject the excuse, and that is not an acquired right.
If the service seeker does not cooperate in entering the start code, is late in doing so, or refrains from it without an acceptable reason, the management may deem that a non-attendance or a disruption of the start.
The service seeker, after non-attendance, has no right to demand a free rescheduling unless the management decides so or the provider agrees per an adopted mechanism within the app.
The platform may take regulatory measures against the service seeker if their non-attendance, frivolous booking, or disruption of providers' times recurs.
The possible measures against the service seeker upon repeated non-attendance include a warning, restricting direct booking, requiring prepayment or additional fees, preventing booking for a temporary period, suspending the account, and any other measure the management sees fit.
Neither the provider nor the platform bears any compensation for the service seeker's loss of the appointment due to their non-attendance, lateness, or lack of technical readiness.
The service seeker's non-attendance does not prevent the platform from being entitled to the booking fee, the service fee, the platform's operational commission, or any operational fees due on the transaction, per what the management decides.
If the service seeker claims attendance while the system records establish otherwise or do not support their claim, the management may reject their claim and rely on the available records and presumptions.

Article 26: Delay in starting the service

If the provider is late in starting the service, communication, attendance, or activating the appointment at the specified time, that does not lead to an automatic refund for the service seeker merely upon the delay occurring.
The delay is handled through the reports, the system records, the entry time, the booking status, the start code, the messages, the operational presumptions, and the management's decision.
The management may assess the effect of the delay on the quality of the service, the extent of the benefit the service seeker obtained, the duration of the delay, the nature of the service, and the type of appointment.
If it is established that the delay is attributable to the provider and materially affected the service, diminished its benefit, or prevented the service seeker from benefiting from it reasonably, the management may refund part of the amount, forfeit part of the provider's entitlements, or take a regulatory measure against them.
If it is established that the delay is attributable to the service seeker, they have no right to claim a refund, compensation, or extension merely because they entered late or were not ready.
The assessment of the delay begins from the specified appointment time, the time the start button becomes available, the time of the start code, or any operational status the system adopts according to the type of service.
A minor delay that does not materially affect the benefit from the service does not necessarily give rise to a refund, compensation, or forfeiture of entitlements.
If the appointment starts late due to a technical malfunction on the part of one of the users, the party at fault bears the consequence of that per the system records, the reports, and the available presumptions.
If the malfunction is general and established in the app itself and affected the execution of the service, the management may handle the case as it sees fit, including rescheduling, a partial or full refund, an extension, or any other solution.
Notifications, emails, or alerts are not conclusive evidence of the beginning of the appointment or its non-beginning, and what matters is the system records, the booking status, and the operational presumptions.
If the provider is late then provides the full service or compensates the time within the same appointment in a manner the service seeker accepts, the management may deem the service executed and reject the refund unless there is a material breach.
If the service seeker is late then demands a full new time or a full refund, the management may reject their request whenever it is established that the provider was ready, present, or available.
Both parties undertake to enter before the appointment with sufficient time to verify technical readiness and not to wait until the last moment.
The platform bears no responsibility for any party's delay due to the internet not working, a drained battery, a weak network, an un-updated app, disabled notifications, or the non-granting of permissions.
The platform may, upon repeated delays from any party, take regulatory measures that limit their effect on the rest of the users.
If the delay relates to a travel trip or a full-day meeting, the management assesses the effect of the delay according to the nature of the trip or meeting, and not every delay must be a reason for a refund.
If the delay causes a bank chargeback or costs on the platform due to the provider's shortcoming, the platform may charge them with whatever resulted from that.
No party may deliberately delay or disrupt the start with the aim of pressure, negotiation, requesting additional benefits, or creating a reason for a refund.
Deliberateness or bad faith in the delay is a regulatory and financial violation that may lead to withholding or forfeiting entitlements or restricting the account.
The management's decisions regarding the effect of the delay are discretionary and based on this policy, the system records, and the available presumptions.

Article 27: Payment and collection

Payment operations within the app are made through the adopted payment provider or any payment channel the platform expressly adopts within the app.
Payment outside the app is not permitted for any service, appointment, trip, meeting, communication, or benefit that arose, was offered, booked, or negotiated through Būlum.
In paid services and appointments with direct acceptance, the amount is collected immediately upon completing the booking.
In the full-day meeting and the travel trip, collection is made after the provider accepts and the service seeker completes payment within the specified payment deadline.
In non-scheduled services, payment is made upon request or per the status displayed within the app.
The booking status may appear in the system as awaiting payment, upcoming, ongoing, ended, requested, under review, rejected, cancelled, completed, or any other operational status the platform adopts.
The status displayed in the system is an operational presumption of the stage of the booking, payment, execution, or review.
The user acknowledges that completing payment does not mean the provider is entitled to the amount immediately; rather, the amount is subject to the conditions of entitlement, the objection window, reports, bank chargebacks, and settlement.
The platform may change the payment provider, add more than one provider, or modify the payment, collection, settlement, or refund mechanism at any time.
Payment operations may be subject to fees, costs, restrictions, or rejection from the payment provider, the bank, or the card network, and the platform bears no responsibility for any rejection or delay beyond its control.
The user bears responsibility for the correctness of the payment data used, and that the payment method is owned by them or that they are legally authorized to use it.
Stolen, unauthorized, or disputed cards or payment methods may not be used, nor may fraudulent methods be used in payment.
The platform may suspend the booking, the account, or the entitlements upon suspicion of an unlawful, fraudulent, or disputed payment transaction.
If the payment transaction is reversed, cancelled, or objected to by the bank or the payment provider, the platform may suspend the service, withhold the entitlements, or claim from the party at fault whatever resulted from that.
As interest and the applicable regulations require, value-added tax or any tax or statutory fee may be added at any time, whether it appears independently on the payment screen, is calculated within the price, or is added upon invoicing or settlement.
The user acknowledges that prices, fees, taxes, commission shares, and the method of their display may change, and it is sufficient to notify users of that through the app, the general notifications tab, the policies page, or the payment screen.
If the price appears to the service seeker before payment, completing the payment is an acceptance by them of the price, fees, and taxes displayed or applied per the regulations.
The platform bears no responsibility for any amounts the user pays outside the adopted payment channels within the app.
The platform may reject or suspend any payment transaction if it suspects a violation, fraud, circumvention, or unlawful use.
If there is a discrepancy between the payment status displayed to the user and the records of the payment provider or the bank, the management may refer to the records of the payment provider, the bank, and the system to determine the correct status.

Article 28: The booking fee or service fee

The platform is entitled to a booking fee or service fee amounting to 10% of the value of the service, appointment, or trip.
The booking fee or service fee is included within the total value of the service in the adopted financial model, and is not added above the value of the service.
The booking fee or service fee may not be interpreted as an independent amount added above the value of the service in a way that leads the total of the financial shares to exceed 100% of the value of the service.
The booking fee or service fee is part of the platform's total share, and is not part of the provider's entitlement.
The general financial shares are based, unless otherwise expressly stated, on the following division of the value of the service: 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform.
The booking fee or service fee is non-refundable as a general rule in cases of cancellation, non-attendance, lateness, withdrawal, or non-benefit attributable to the service seeker, unless the regulations require otherwise or the management decides to refund it exceptionally as the case may be.
Describing the booking fee or service fee as non-refundable does not prevent the management's right to refund it in whole or in part if the reason for the refund is a material shortcoming of the provider, a confirmed malfunction of the platform, or a statutory requirement.
The booking fee or service fee is not included within the provider's entitlements, and they have no right to claim it or consider it part of their share.
The provider may not demand from the service seeker the payment of the booking fee or compensation for it outside the app.
The service seeker may not demand from the provider the refund of the booking fee directly or outside the platform.
The platform may modify the rate of the booking fee or service fee, convert it into a fixed amount, packages, or different fees according to the type of service, account, category, country, payment method, or operational requirements.
The platform may apply a different booking or service fee on some services, trips, appointments, accounts, offers, auctions, or special features whenever that appears within the app, in an updated policy, or a special agreement.
The user acknowledges that the booking fee or service fee may be affected by taxes, statutory fees, payment-provider fees, or any other operational costs.
Upon a partial or full refund, determining whether the booking fee or service fee will be refunded or not is subject to this policy, the management's decision, and the applicable regulations.
If the reason for the refund is a shortcoming of the provider, the platform may charge them with the booking fee, the processing fee, or any other fees the management decides to charge them through the statutory means, whether by understanding and communicating with them or by filing a complaint with the competent authorities.
The booking fee or service fee does not represent a guarantee of the quality of the service or an accreditation of the provider; rather, it is a consideration for operating and organizing the booking, payment, and documentation mechanism within the platform.
Continuing to use the app after updating the booking fee or service fee is an acceptance of the updated fee.
Users may be notified of the update to the booking fee or service fee through the general notifications, the policies page, the payment screen, or any means the platform adopts.
If the rate of the booking fee or service fee stated in the policy conflicts with what appears clearly on the payment screen, a special contract, or a subsequent agreement, what the platform adopts or what appears to the user at the time of the transaction applies, unless the management decides otherwise.
This article is complementary to the article on the governance of financial shares and the interpretation of entitlements, and must be interpreted together with it in a manner that prevents the total of the shares from exceeding 100% of the value of the service.

Article 29: The platform's operational commission

Būlum is entitled to an operational commission from the value of the paid services, appointments, and trips.
The adopted rate for the platform's operational commission is 28% of the value of the service, appointment, or trip, unless the platform stipulates another rate within the app, in a special agreement, or an updated policy.
The platform's operational commission is deducted from the value of the service before transferring the net entitlement to the provider.
The platform's operational commission is independent in classification from the 10% booking fee or service fee, yet both are included within the platform's total share of the value of the service.
The platform's operational commission of 28% may not be interpreted as 38% or as being added above the booking fee or service fee.
The provider may not raise the price or demand the service seeker to pay an external amount to compensate for the platform's commission, the booking fee, or any other operational fees.
The provider and the service seeker may not agree to execute the service outside the app to avoid the platform's commission, the booking fee, or any financial right established for the platform.
The platform may modify the platform's commission according to the type of service, account, verification, category, country, package, special agreement, or any operational or commercial criterion it sees fit.
The platform may adopt different commissions for special offers, auctions, competitions, high-demand accounts, or services of a special nature.
The provider acknowledges that the platform's operational commission is due in return for providing the platform, marketing, operation, booking, payment, documentation, support, report handling, and settlements.
The platform's commission does not lapse merely because the provider and the service seeker communicated previously or know each other outside the app, whenever the booking, service, payment, or offer arose through Būlum.
If circumvention of the platform's commission is established through external payment, external communication, or a side agreement, the platform may claim the commission, the agreed compensation, and any additional damages.
The provider may not include in the service description, messages, or profile phrases inviting external dealing to reduce the price or avoid the commission or booking fee.
The service seeker may not request a discount or a lower price in return for paying outside the app or communicating outside the app.
If the platform refunds the full amount to the service seeker because of a shortcoming of the provider, the platform may forfeit the provider's entitlement while retaining its right to the fees, costs, or compensation.
If the refund is partial, the platform's commission, the booking fee, and the provider's net entitlement are calculated per the financial decision the management adopts.
The provider has no right to object to the deduction of the commission whenever they accepted using the app, offered the service, or the booking was made through the platform.
The provider's continued use of the platform or addition of services after any update to the commission is an acceptance by them of the updated commission.
If the provider has a special written agreement adopted by the platform regarding the commission, the special agreement applies within the limits of what it stipulates, while the rest of the provisions of this policy remain in force.
The commission is not a partnership in the service or a guarantee of its execution; rather, it is a consideration for using the technical, operational, and commercial infrastructure of the platform.

Article 30: The provider's net entitlement

The provider's base net entitlement is 62% of the value of the service, appointment, or trip, unless the platform expressly adopts otherwise within the app, in a special agreement, or an updated policy.
The provider does not become finally entitled to the 62% share merely upon the service seeker completing payment; rather, the entitlement is subject to the conditions of execution, the objection window, reports, bank chargebacks, and settlement.
Any amounts, fees, or obligations owed by the provider per this policy are deducted from the provider's share or from their entitlements, as the case may be.
The possible deductions or charges include any refund amounts the management decides to charge them, any compensation or set-off, any amounts or fees resulting from a violation, any bank chargeback fees resulting from their shortcoming, any transfer, processing, or direct-cost fees the management decides to charge them, and any taxes or statutory fees whenever they are due to be deducted or collected from them as the case may be.
The 10% booking fee or service fee is not included within the provider's net entitlement.
The 28% platform operational commission is not included within the provider's net entitlement.
The amount collected from the service seeker is not deemed finally due to the provider merely upon payment.
The provider does not become entitled to the net amount except after the conditions of entitlement are completed.
The provider acknowledges that the amount displayed to them within the app may be an estimated amount, or before final settlement, or before deducting some fees, objections, taxes, or costs.
The provider has no right to demand the platform transfer the amount before the objection window ends, the reviews are completed, and there are no transfer impediments.
The net entitlement may change after reports, objections, refunds, fees, violations, adjustments, or any necessary financial processing.
If an amount is transferred to the provider then an objection, refund, error, or violation later appears, the platform may claim the amount from them or deduct it from their future entitlements.
The platform may effect a set-off between any current or future entitlements of the provider and any amounts owed by them to the platform, the users, the payment provider, or by reason of violations.
Displaying the net entitlement within the account dashboard is not a final promise of payment if the transaction is still subject to review, settlement, or objection.
If the provider's bank data is incorrect, incomplete, or non-matching, the platform is not obligated to transfer until the data is corrected and verified.
The provider acknowledges that transfers may be subject to minimum limits, time cycles, fees, or restrictions from the bank or the payment provider.
The platform bears no responsibility for any deductions or fees applied by the provider's bank, the payment provider, or any intermediary entity.
If the provider's account is deactivated or suspended, the platform may withhold their net entitlements until any claims, reports, objections, or violations are settled.
The end of the service or its positive rating does not necessarily mean immediate entitlement if a violation, a bank chargeback, an official request, or a payment error later appears.
The provider acknowledges that the final net entitlement is what the adopted settlement records at the platform determine after all deductions and processing are completed.

Article 31: Conditions for the provider's entitlement to the amount

For the provider to be entitled to the net amount, it is required that the booking be confirmed within the system.
It is required that the service, appointment, or trip has actually been executed or is deemed executed per the system records and the adopted operational presumptions.
It is required that the appointment, service, or trip has ended per the specified time, the system status, or the management's decision.
It is required that the twelve-hour objection window has ended without a material report or a valid objection.
It is required that there is no existing, potential, or material bank chargeback on the transaction.
It is required that there is no material violation by the provider relating to the service, booking, communication, payment, conduct, or circumvention of the platform.
It is required that the provider's bank data be correct, complete, and accepted by the platform, the payment provider, and the bank.
It is required that the payment provider's and the bank's procedures and any necessary verification, compliance, or financial-review procedures be completed.
It is required that there be no existing claim, set-off, or withholding of entitlements on the provider's account.
It is required that there be no official, judicial, supervisory, or security request requiring the suspension, withholding, or review of the amount.
It is required that there be no indicators of fraud, circumvention, external payment, external communication, or unlawful use of the account or payment method.
The platform may withhold the provider's entitlements until the review of any report, objection, violation, suspicion, or financial or statutory procedure is completed.
The provider has no right to demand the transfer of the amount before all the conditions of entitlement are met and the settlement cycle is completed.
The provider's attendance alone is not sufficient for entitlement to the amount if it is established that they did not provide the service, provided it contrary to the description, or did not commit to the agreed time or substance.
The service seeker's payment alone is not sufficient for the provider's entitlement if the conditions of execution, acceptance, or settlement are not completed, or the transaction lacks a material condition.
If the service requires a start code or attendance, the verification of the code is a material presumption of the start of execution, and its non-verification affects the entitlement according to the reason for the non-verification.
The end code is not a necessary condition by itself for entitlement whenever the start of the service and its execution or availability is established per the system records and the available presumptions.
If the provider attended and was ready and the service seeker did not attend, was late, or refrained from the start procedures, the management may deem the service available for execution in a manner that supports the provider's entitlement.
If the provider did not attend, was not ready, did not start the service, or refrained from executing, the management may forfeit their entitlements in whole or in part.
If a dispute arises over the quality of the service, its completeness, or its conformity to the description, the management assesses the entitlement according to the extent of execution of the description, the amount of benefit, the duration benefited from, and the available presumptions.
If the service is free, there is no financial net entitlement for the provider, while the regulatory provisions and penalties remain upon a violation.
If the booking is subject to an auction, competition, special access mechanism, or special agreement, the provider's entitlements are subject to what appears within that mechanism or what the platform expressly adopts.
The provider has no right to object to the delay of the transfer if the delay is due to the review of a report, a bank chargeback, a request for data, a bank error, a suspicion, force majeure, or compliance requirements.
The platform has discretionary authority to determine whether the report is material enough to suspend, forfeit, or reduce the provider's entitlements.
If the provider provided misleading information or an incorrect description of the service, the platform may forfeit their entitlements in whole or in part even if the attendance or communication took place.
If the provider violated the prohibition of external communication or external payment, or attempted to circumvent the platform, the platform may forfeit their entitlements relating to the transaction in question or others according to the seriousness of the violation.
If the provider's account is blocked or deactivated, that does not prevent the review of their legitimate entitlements after deducting any amounts, violations, or obligations owed by them.
No amounts are due for services or appointments that were cancelled, lapsed, or not completed per the system status, unless the management decides otherwise.
The management's decision regarding financial entitlement is based on this policy, the system records, and the available presumptions, with the platform's right to correct any error later.
The provider acknowledges that their final net entitlement, in the adopted financial model, is 62% of the value of the service after the conditions of entitlement are met, and this share does not include the 10% booking fee or service fee nor the 28% platform operational commission.

Article 32: The provider's bank data

The provider undertakes to add their bank data in the designated tab within the app or through any means the platform adopts.
The provider may not activate some services or appointments or receive entitlements except after entering their bank data whenever that is a technical, operational, or financial condition.
The provider alone bears responsibility for the correctness of the IBAN, the beneficiary name, the bank data, and any financial information they provide to the platform.
Būlum bears no delay, failure, or error in the transfer due to an error, deficiency, or non-matching in the provider's data.
The management may request the update, correction, or verification of the bank data before any transfer.
The management may suspend transfers until verification is completed, the data is corrected, or any suspicion is removed.
The provider acknowledges that the bank data must be lawful, correct, and owned by them or by the entity entitled to receive the amounts per what the platform adopts.
The platform is not obligated to transfer to suspicious, non-matching, incomplete accounts, or accounts that do not comply with the requirements of the payment provider, the bank, or compliance.
If the transfer is made based on incorrect data the provider entered, they bear the full consequence of the error, and the platform is not obligated to compensate them for the amount if its recovery is impossible.
The platform may request verification documents, such as identity, the commercial register, account data, or any other documents it sees fit before the transfer.
If the provider refuses to provide the platform with the requested verification data, the platform may suspend their entitlements until the requirements are completed.
The period of suspending the transfer due to a deficiency, error, or suspicion in the data is not deemed a delay on the part of the platform.
The provider undertakes to update their bank data as soon as it changes, and the platform bears no consequence of using old or outdated data.
If the bank account is closed or changed, or the transfer becomes impossible for any reason attributable to the provider, the platform may retain the amount until correct data is provided.
Transfers are subject to any restrictions, requirements, limits, fees, or reviews imposed by the bank, the payment provider, or the relevant regulations.
The provider may not request the transfer of their entitlements to a third party's account unless the management expressly accepts that and per the controls it sees fit.
The platform may reject the transfer if there is a conflict between the provider's name and the beneficiary name, or if indicators of fraud or a violation appear.
The platform bears no responsibility for the bank's delay in crediting the amount after it is sent from the platform or the payment provider.
The platform may retain the transfer data and its records for purposes of accounting, compliance, reports, taxes, and claims.
The provider acknowledges that the completeness of their bank data is a condition independent of the execution of the service, and that their delay in entering it does not grant them a right to any compensation for the delay of the transfer.

Article 33: Settlements and transfers

Financial settlements for providers are made per the transfer cycles adopted by Būlum, the payment provider, and the bank.
The settlement may be weekly or per any schedule the platform adopts and applies operationally.
The provider acknowledges that the transfer may be affected by business days, the bank's procedures, the payment provider's procedures, reports, objections, data review, technical errors, suspicion of violations, compliance requirements, official requests, and taxes or statutory fees.
Būlum does not bear the delay resulting from banks, payment providers, data errors, or force majeure.
The provider may not claim from Būlum any compensation for the delay of the transfer if the delay is beyond its control or due to a legitimate review.
The platform may change the settlement schedule, transfer cycles, their limits, or their conditions at any time as it sees fit.
The platform may adopt a minimum limit for the transfer or aggregate small entitlements into a subsequent settlement cycle.
The platform is not obligated to transfer on official holidays, outside banking business days, or when the payment provider is down.
If a transaction becomes subject to a report, objection, or suspicion, the platform may exclude it from the settlement cycle until the review is completed.
If an amount is transferred then later appears to be undue, subject to refund, or objected to, the platform may claim its return from the provider or deduct it from their upcoming entitlements.
The duration of the transfer's arrival to the provider's account may vary according to the bank, the country, the payment method, or any financial intermediary.
The platform's sending of the transfer is not a guarantee of its immediate arrival whenever the delay is beyond the platform's control.
The platform may split transfers, defer some of them, or suspend them if it finds an operational interest, a review, a suspicion, or a technical malfunction.
The provider acknowledges that any withheld or suspended amounts are not deemed available for withdrawal and are not subject to an immediate claim.
The platform may issue settlement statements, summaries, or reports within the app, via email, or by any means it adopts.
If a discrepancy appears between the settlement report and the payment or bank records, the platform may review the differences and correct them.
The provider may not rely on non-final estimates to claim amounts before the settlement is completed.
The platform may withhold settlements when there is a violation of the prohibition of circumvention, external payment, or external communication.
If a request is issued by an official, judicial, or supervisory authority regarding an account, transaction, or entitlements, the platform may suspend the settlement, provide the authority with the information, or take whatever is necessary per the regulations.
The provider's continued use of the platform is an acceptance of the adopted settlement schedule and any subsequent updates to it.
In all cases, the financial basis for settlement in the adopted model is 62% for the provider from the value of the service after the conditions of entitlement are met, with the 28% operational commission for the platform and the 10% booking or service fee for the platform from the value of the service remaining in place.

Article 34: Refunds to the service seeker

Refunds are made per this policy, the management's decision, the system records, and the applicable regulations.
There is no automatic refund unless the management expressly adopts that or the regulations require it.
A refund may be full, partial, refused, or deferred until the review of the report or objection is completed.
When deciding on a refund, the management takes into account the type of service, the time of cancellation or the report, the cause of the malfunction, the system records, the start or end code, the conversations, the extent of the service seeker's benefit, any party's shortcoming, the platform's fees, the payment provider's fees, and any non-refundable costs.
The service seeker has no right to claim a full refund merely for their personal dissatisfaction with the result if the provider executed the service per the description and agreed time.
The service seeker has no right to claim a refund because of a matter that was apparent to them before booking, such as the price, time, duration, location, nature of the service, or what the price includes.
The service seeker has no right to claim a refund if the cause of the non-benefit is attributable to their non-attendance, lateness, weak connection, unready device, or failure to follow the appointment.
If it is established that the cause of non-execution is attributable to the provider, the management may refund the amount in whole or in part and charge the provider with the financial consequences.
If it is established that the cause of non-execution is attributable to the service seeker, the management may refuse the refund in whole or in part.
If the two parties shared in the cause of the malfunction, the management may assess the refund rate, refuse it, or distribute the financial effect as it sees fair and appropriate.
A refund does not include, as a general rule, the 10% booking fee or service fee, the payment-provider fees, the bank fees, taxes, or any non-refundable costs, unless the management decides or the regulations require otherwise.
If the refund is due to a serious violation by the provider, the platform may refund the amount to the service seeker and recover what was refunded from the provider's current or future entitlements.
If the refund is due to an exceptional decision by the management, that is not an acquired right of the service seeker or a binding precedent for future cases.
The platform is not obligated to refund any amounts paid outside the app.
If the service seeker requests a refund then does not cooperate with the management in providing data or responding to inquiries, the management may close their request or deem them to have waived it.
The service seeker may not submit repeated, malicious, or exploitative refund requests.
The refund period is subject to the procedures of the bank, the payment provider, and the data provided by the service seeker.
When there is an existing bank chargeback, the platform may suspend the internal refund until the objection path ends or coordination with the payment provider is completed.
The service seeker may not combine a refund from the platform and a bank refund for the same transaction in a way that results in receiving a double amount.
The platform may correct any refund made in error, an excess refund, or an undue refund, and claim it or deduct it from any subsequent transactions.

Article 35: Administrative refunds and refunds via the adopted financial channels

Users acknowledge that some refund operations may be carried out through administrative or financial procedures adopted by the app management per the organized operational mechanisms.
When a refund via bank transfer or an adopted financial channel is approved, the management may request the service seeker's bank data to execute the transfer.
The service seeker undertakes to provide the management with correct and complete data.
Būlum does not bear the delay of a refund resulting from an error in the service seeker's bank data.
A refund through an adopted financial channel does not mean that Būlum provides an internal wallet or a financial account for users.
The management may refuse to execute the refund if the service seeker does not provide the required data or provides incorrect data.
The service seeker undertakes to provide the platform with the data required to process the refund within a period not exceeding forty-eight hours from the time it is requested from them through the app, email, or any official channel the management adopts.
If the service seeker does not provide the platform with the required data within forty-eight hours, the management may close the refund request, or deem it lapsed or refused, and they have no right to claim it later unless the management decides otherwise for a valid reason.
If the refund requires additional correspondence, verification, completion of data, or clarifications, the service seeker must respond to the emails, calls, app notifications, or any official channel within twenty-four hours of the management's request.
If the service seeker does not respond to the management's correspondence or calls within twenty-four hours when the completion of the refund procedures is needed, the management may halt the processing, close the request, or forfeit their right to the refund as the case may be.
The service seeker bears full responsibility for the correctness of the IBAN, the beneficiary name, the bank, and any financial data they provide to the platform.
The platform is not obligated to repeat the transfer or compensate the service seeker if they sent incorrect data, the transfer was made based on it, and the amount's recovery became impossible.
The platform may request proof of identity or ownership of the bank account or any document necessary for verification before executing the refund.
If the service seeker refuses to provide the required verification documents, the platform may suspend or refuse the refund.
Refunds are made per business hours, internal procedures, and the schedules of banks and payment providers, and the platform does not guarantee their immediate execution.
If the refund will be made through the payment provider to the original payment method, the platform may not request bank data, and the arrival period of the amount is subject to the procedures of the payment provider and the bank.
The service seeker may not claim compensation from the platform for the delay of the refund if the delay is due to a deficiency in the data, non-response, an error in the information, or the procedures of the bank or the payment provider.
The platform may adopt any refund means it sees fit, whether to the original payment method, the bank account, or any adopted lawful financial channel.
The platform's acceptance of processing a refund in a particular manner in a particular case is not a commitment by it to provide the same mechanism in all cases.
The user acknowledges that the refund mechanisms are subject to development and conversion into automated procedures within the app at any time without this prejudicing the platform's rights stated in this policy.

Article 36: No internal wallet

Būlum does not provide an internal financial wallet for users unless the platform expressly adopts that.
Payment operations are made through a payment page or channel linked to the adopted payment provider.
Providers' transfers are made to their registered bank accounts.
Some refunds may be made to the service seeker's bank account, to the original payment method, or through any lawful financial channel the platform adopts when needed.
No amount displayed within the app may be considered a financial balance available for withdrawal unless the platform expressly adopts that.
Any amounts appearing within the account dashboard or reports are operational or financial data according to their status, and do not necessarily mean the existence of a balance available for withdrawal or immediate refund.
The platform is not obligated to open an independent financial account for each user or to hold users' funds in the form of an internal wallet.
If the platform later adopts an internal wallet, balances, points, or a usable balance, that will be subject to independent or updated conditions, controls, fees, and policies.
The user may not demand the platform to convert points, balances, or non-financial indicators into cash amounts unless the platform expressly stipulates that.
The existence of a transaction log, invoices, or suspended entitlements is not a financial wallet.
Any amounts paid, collected, or refunded are subject to the procedures of the payment provider and the banks, and not to an independent internal wallet mechanism, unless the platform decides otherwise later.
The platform bears no responsibility for any misunderstanding by the user of the nature of the amounts displayed in the app if their status is suspended, under review, or not finally due.
The platform may modify the mechanism for displaying balances, entitlements, transactions, or financial reports in a manner that achieves operational clarity.
Neither the service seeker nor the provider may use the absence of an internal wallet as a pretext to claim a refund or transfer outside the adopted policy.
If there are amounts suspended due to a report, objection, or deficiency in data, those amounts are not deemed a wallet or an available balance.
The platform is not obligated to add an instant-withdrawal or instant-transfer feature for providers.
Transfers and refunds are subject to the settlement cycles, review, reports, and objections.
Any later development in the mechanisms of the wallet, balance, points, or packages falls within the platform's right to develop the app and update its policies.
Continuing to use the app after any update relating to the wallet, balances, or entitlements is an acceptance of the updated mechanism.
If the user's understanding conflicts with what is stipulated in this policy, the provisions of this policy are the reference.

Article 37: Bank chargebacks

The service seeker, the bank, the payment provider, or the card network may file a bank chargeback per the rules in force at the relevant entities.
The provider undertakes to cooperate with Būlum in any bank chargeback.
The management may request any information, evidence, or clarifications from the provider regarding the transaction subject to the chargeback.
If the bank chargeback results from the provider's shortcoming, non-execution, misleading, or violation, the provider bears the full financial consequences.
The financial consequences include the value of the refunded amount, the chargeback fees, the payment-provider fees, any bank fees, any direct losses associated with the chargeback, and any taxes, statutory fees, or non-recoverable costs.
The platform may withhold the provider's current or future entitlements until the bank chargeback ends.
The platform may effect a set-off between any amounts due to the provider and any amounts owed by them by reason of the chargeback.
The decisions of the banks, payment providers, and card networks may be beyond Būlum's control, and the platform does not guarantee the outcome of the bank chargeback.
The service seeker may not misuse the bank chargeback to obtain an executed service and then recover the amount without right.
If it is established to the platform that the service seeker filed a malicious or misleading bank chargeback or filed it after benefiting from the service, the platform may restrict their account, suspend it, or claim the return of the amount or compensation from them.
If the service seeker obtains a refund from the bank and from the platform for the same transaction, they undertake to return any excess amount immediately, and the platform may claim it from them or take a measure against them.
The platform may provide the bank, the payment provider, the card network, or the competent authority with the records of the transaction, booking, communication, codes, reports, and any information necessary to respond to the chargeback.
Providing the financial or official authorities with the information is not a breach of confidentiality or privacy whenever it is necessary to handle the chargeback, comply, or protect the platform's rights.
If the bank chargeback is existing, the platform may suspend any internal refund or settlement relating to the transaction until the chargeback ends.
If the payment provider or the bank rules in favor of the service seeker despite the platform providing the presumptions, the platform may charge the provider or the service seeker with the consequences according to the cause of the chargeback and the facts.
The provider undertakes not to communicate with the service seeker outside the app to resolve the bank chargeback or agree on an external payment or settlement without the platform's knowledge.
If the chargeback arises due to an unauthorized payment, a stolen card, or a fraudulent transaction, the platform may deactivate the relevant accounts and provide the competent authorities with the information.
The platform does not guarantee the recovery of any chargeback fees or payment-provider fees even if the invalidity of the chargeback is later established.
The bank chargeback may delay the settlements or lead to withholding entitlements for a period longer than the usual objection window.
The user's continued use of the app is an acceptance that bank chargebacks are subject to the rules of external entities whose duration or outcome the platform may not be able to fully control.

Article 38: Withholding entitlements and set-off

The platform may withhold the provider's entitlements when there is a report, a bank chargeback, a suspicion of fraud or circumvention outside the platform, or a financial, operational, or behavioral violation.
The platform may withhold the entitlements upon the non-execution of the service, non-cooperation with the management, an error in the bank data, or an existing financial claim against the provider.
The platform may withhold the entitlements when there is an official, judicial, supervisory, or security request, or when there are indicators of external payment or external communication.
The platform may effect a set-off between the provider's entitlements and any amounts owed by them to the platform, the service seeker, the payment provider, or by reason of a violation.
Temporary withholding is not a final confiscation unless that is decided under this policy, a reasoned administrative decision, a settlement, a ruling, or a statutory reason.
The platform's right to withhold or set-off continues even after the account is closed if there are existing claims or objections.
The withholding may be full or partial according to the amount in dispute, the violation, or the expected risk.
The platform is not obligated to transfer any entitlements during the review period if it sees that the transfer may harm the rights of the service seeker, the platform, or the financial entities.
If the value of the claims, refunds, or fees exceeds the provider's entitlements, they remain obligated to pay the difference to the platform.
The platform may deduct any amounts owed to it from the provider's future entitlements without the need for new consent from them.
The provider may not deem the withholding or set-off arbitrary whenever it is based on a report, objection, suspicion, violation, or a valid reason.
If the cause of the withholding ceases and there are no other claims, the platform may release the entitlements per the adopted settlement cycle.
The platform is not obligated to pay any profits, interest, or compensation for the period of withholding the entitlements.
If a decision is issued by an official, judicial, or supervisory authority to withhold amounts, provide information, or halt transfers, the platform complies with what is necessary per the regulations.
The platform may withhold the entitlements upon deleting the account or requesting its closure until any claims, objections, reports, or settlements end.
The platform may withhold entitlements associated with prior transactions even if the violation appeared later.
The platform may use the withheld entitlements to pay the fees of objections, refunds, compensation, or any direct losses resulting from the provider's violation.
If the absence of a violation or claim is established, the entitlements are handled per the usual transfer cycle.
Withholding the entitlements does not prevent taking other measures such as deactivating the account or preventing the addition of services.
The provider acknowledges that their use of the platform and their acceptance of this policy is a consent by them to the platform's right to withhold and set-off per these provisions.

Article 39: Prohibition of external payment

The provider and the service seeker are prohibited from agreeing to pay any amount outside the app in return for a service, appointment, trip, communication, or benefit that arose through Būlum.
Payment via direct bank transfer, e-wallets, external payment links, cash, remittances, or any other payment means outside the adopted system in Būlum is prohibited.
Any external payment is a material violation of this policy and of the platform's rights.
Būlum bears no responsibility for any amount paid outside the app.
No party has the right to demand Būlum to intervene in a refund or dispute relating to an external payment.
The platform may deactivate the account, withhold the entitlements, and claim compensation upon the proof of external payment or an attempt to arrange it.
External payment is deemed to include every amount paid or agreed to be paid outside the app in return for a service, appointment, trip, communication, or benefit whose cause, origin, offering, booking, or negotiation was within Būlum.
The provider may not display a price within the app and then request an additional amount outside it or condition the external payment on completing the service.
The service seeker may not request an external payment to obtain a discount or bypass the platform's fees or commission.
The transaction may not be split between an amount inside the app and an amount outside it with the intent to reduce the platform's commission or fees.
External payment may not be converted into the form of a gift, donation, support, reward, travel allowance, time allowance, or any other label if it is tied to a service that arose within Būlum.
If any party accepts external payment, they bear the full risks of fraud, non-execution, dispute, or loss of the amount, and the platform is not obligated to protect or settle for them.
The platform may infer external payment from the messages, conduct, reports, transfers, repetition, or any available presumptions, including, by way of example and not limitation: the non-entry of the codes despite the absence of a report and the end of the appointment, and other inferences that may become clear according to the circumstance at the time.
Upon the proof of external payment, the platform may forfeit any financial rights or operational protection of the violating party in the transaction in question.
If it is established that the two parties shared in the external payment, the platform may take a measure against both without an obligation to protect either of them in the dispute arising between them.
The platform may withhold the provider's current or future entitlements to claim the platform's lost commission, the agreed compensation, or any direct damages.
Deactivating or deleting the account does not prevent the platform from claiming compensation for the external payment.
The platform may file a lawsuit or take statutory measures upon the proof of circumvention, external payment, forfeiting the platform's rights, or harming it.
The user acknowledges that external payment harms the platform, the rest of the users, and the integrity of booking, payment, and documentation, and is a material breach of trust.
The external links present in the profile, social accounts, posts, or messages may not be used to move payments or execute services outside Būlum.

Article 40: Prohibition of external communication

All communication relating to the booking, service, appointment, or trip must be within the app.
The provider or the service seeker is prohibited from sharing, requesting, or sending any external means of communication with the intent to circumvent the platform or execute the service outside it.
The prohibition includes, without limitation, the mobile number, WhatsApp, Telegram, Snapchat, Instagram, TikTok, X, Facebook, LinkedIn, Discord, email, text messages, Zoom, Google Meet, Microsoft Teams, external meeting links, payment links, QR codes, links to external forms or bookings, and any code, hint, or method that leads to moving the dealing outside Būlum.
The app's chats may not be used to exchange external means of communication or arrange execution outside the platform.
Any violation of this article is a material violation warranting the financial and regulatory measures.
The existence of external links in the user's profile or accounts does not prevent the application of the prevention of circumvention, since making the links available is for identification, digital identity, or public display purposes only, and they may not be used to move bookings, payments, or services outside the platform.
Using codes, disguised words, images, clips, posts, comments, broadcasts, names, descriptions, or the bio to send an external means of communication with the intent to circumvent is prohibited.
Any party is prohibited from requesting a phrase such as "contact me outside the app," "payment outside the app is cheaper," "send your number," or any similar wording.
If one party requests external communication, the other party must refrain from that, and has the right to file a report with the management.
Both parties' participation in external communication with the intent to execute the service or pay outside the app forfeits any operational or financial protection from the platform in the dispute resulting from that.
The platform bears no responsibility for any data, funds, images, recordings, agreements, appointments, or promises made outside the app.
The platform may review the messages, reports, or available indicators to verify the existence of a violating external communication, per the Privacy Policy and the applicable regulations.
If it is established that the provider uses the platform to draw users to their external accounts or channels to execute services or collect funds, the platform may suspend them, withhold their entitlements, and claim compensation.
If it is established that the service seeker attempts to take dealings outside the app, the platform may restrict their account, suspend it, or refuse to protect them in any dispute resulting from that.
Broadcasting, posts, or group messages may not be used to invite booking, payment, or communication outside Būlum.
The user may add external links for personal or professional identification or displaying digital identity only, provided they do not include an express or implied invitation to circumvent the platform.
If the user's freedom to display their external links conflicts with the protection of the booking and payment system within Būlum, the protection of the platform's system and its financial and regulatory rights prevails.
The proof of an external-communication violation does not require the completion of an actual external payment; rather, it is sufficient to establish an attempt to circumvent, incite it, or pave the way for it.
The platform may delete or hide any content, message, link, post, or comment it sees as facilitating circumvention or threatening its financial or regulatory rights.
The platform may file a lawsuit or take a statutory measure upon the proof of external communication with the intent to circumvent, forfeit the platform's rights, or harm it.

Article 41: Liquidated damages for circumvention

Users, and especially the provider, acknowledge that circumventing the platform or moving the dealing outside it causes direct and certain harm to Būlum, and affects its financial and operational system, its commercial rights, users' trust, and the integrity of bookings and settlements.
Upon the proof of a violation of the prevention of circumvention, external payment, or external communication with the intent to execute the service outside the platform or forfeit its financial rights, Būlum may claim from the violator liquidated damages of no less than ten thousand Saudi riyals, or ten times the platform's estimated commission on the transaction in question, whichever is higher.
The liquidated damages do not prevent Būlum from claiming any additional damages whenever they are established, including commercial, operational, technical, or financial damages, or damages relating to reputation, loss of trust, processing costs, legal fees, or collection costs.
The platform may withhold the provider's entitlements, effect a set-off, deactivate the account, suspend settlements, or restrict the services until the violation is settled or an internal or statutory decision is issued regarding it.
The platform may take any appropriate statutory, technical, administrative, or financial measure upon the proof of circumvention, an attempt to circumvent, or incitement to it.
The user acknowledges that the liquidated damages are established to protect the platform's financial, operational, and commercial rights and are not a criminal penalty, and do not prevent the platform from claiming whatever damages, losses, expenses, fees, or additional costs are established for it.
The forms of circumvention that warrant compensation include, without limitation, requesting or sending an external means of communication to execute the service outside the app, requesting or accepting an external payment, agreeing on a price outside the app after acquaintance or negotiation within Būlum, using the profile, posts, messages, or broadcasting to move users to another platform, reducing the price in return for external payment, splitting the amount between an in-app payment and an external payment, converting the free service into a paid one outside the app, and using codes, hints, links, images, or disguised words to move the dealing outside the platform.
The proof of harm does not require the external payment to have actually been completed; rather, it is sufficient to establish an attempt to circumvent, incite it, or pave the way for it whenever the management sees that it threatens the platform's rights, its financial system, or the safety of its users.
If the service seeker and the provider shared in the circumvention, the platform may take measures against both, and neither of them has the right to demand the platform to protect them from the other in the dispute resulting from the external dealing.
If it is established that the provider repeated circumvention or took the platform as a means to draw users outside it, the platform may permanently deactivate their account, withhold their entitlements, claim compensation, and file a lawsuit when needed.
If it is established that the service seeker requests providers to circumvent, pay externally, or communicate externally, the platform may restrict their account, suspend it, prevent them from booking, or take any regulatory measure against them.
The platform may rely on the messages, reports, system records, ratings, repetition of conduct, or any other presumptions to establish an attempt to circumvent, incite it, or pave the way for it.
The platform's claim of liquidated damages is not a bar to notifying the competent authorities, resorting to the judiciary, or claiming any additional compensation.
The user acknowledges that any forfeiting of the platform's rights, evasion of its commission, fees, or financial mechanisms is a material breach of the contractual relationship with Būlum.
The platform's right to compensation, claim, or measure does not lapse because of its delay in discovering the violation or the account continuing for a period after it occurred.
The platform's right to claim compensation continues even after the account is deleted, closed, suspended, or the relationship with the user ends.
The user may not invoke ignorance of this article whenever they have used the app, agreed to the policies, or continued to use the platform after its publication or update.
Any amicable settlement the platform accepts in a particular case is not a waiver of its right in other cases.
If the platform decides not to claim compensation in a particular case, that is not an acquired right of the violator or a general waiver of the application of this article.
The platform may assess the amount of compensation, the judicial claim, or the settlement according to the size of the violation, the number of transactions, the value of the dealings, the commercial harm, the reputation, the expenses, and the available presumptions.
If it is established that the violation led to a loss of commissions, booking fees, service fees, processing costs, bank chargebacks, or operational damages, the platform may claim all those amounts from the violator in addition to the liquidated damages.
The user may not maintain that the service was executed outside the app with the consent of the other party in order to forfeit the platform's right, because the platform's right is independent of the parties' consent and is established to protect its financial and operational system.
The platform may suspend any account associated with the violation or any alternative, subsidiary, or used account for the purpose of evasion if its connection to the violating conduct is established.
If the violator used another account, an intermediary, or a person subordinate to them to complete the circumvention, that is deemed an extension of the violation and is treated as the original violator.
The provisions of this article are among the material provisions of the policy, and no other article may be interpreted so as to weaken the platform's right to protect its commission, fees, and financial system.

Article 42: Service quality and results

The provider is the first and direct party responsible for the quality of the service they provide, and for its conformity to the description, time, duration, nature, and details they displayed within the app.
Būlum does not guarantee the quality of the service, its result, or the service seeker's achievement of any specific benefit or personal, professional, financial, social, or cognitive effect.
The provider undertakes to execute the service per the description, price, duration, and instructions they set within the app.
The service seeker undertakes to read the details of the service, trip, or appointment before booking, and has no right to argue after payment about a matter that was apparent or could have been known from the displayed details.
The non-fulfillment of the service seeker's personal expectations is not a sufficient reason for a refund if the service was executed per the announced description.
The management has discretionary authority to assess the existence of a material malfunction, non-execution, misleading, or a material deficiency in the service.
The service seeker acknowledges that services within Būlum often rely on the provider's experience, time, presence, interaction, content, opinion, experience, or personal skill, and these by their nature may differ in their results and impressions from one person to another.
The platform does not guarantee that the service will be satisfactory to the service seeker in terms of taste, personal expectation, style, compatibility, or psychological, social, professional, or cognitive impact.
If the provider provided the service as they described and exerted a reasonable effort in executing it, the service seeker's dissatisfaction alone is not a sufficient reason for a refund.
If the service description was ambiguous, misleading, exaggerated, or included unrealistic promises, the provider bears the consequence of that.
The provider may not promise guaranteed results, profits, a cure, success, fame, acceptance, or a certain benefit unless that is permissible, established, lawful, and statutorily authorized when needed.
The provider bears responsibility for any information, advice, guidance, or content they provide to the service seeker.
The service seeker bears responsibility for their decision to rely on what they receive from the provider, and the platform is not responsible for their decisions or actions resulting from the service.
If the service is of a consultative, cognitive, or experimental nature, the service seeker must realize that it does not substitute for the licensed entities or the competent specialists whenever the case requires that.
The platform bears no responsibility for in-person interviews, trips, meetings, or arrangements outside the technical control of the app, and its role is regulatory per this policy.
The platform may remove or suspend any service it sees as exaggerating the results, misleading the users, or creating unrealistic expectations.
The platform may take users' ratings and recurring reports into account when arranging the provider's visibility or restricting their services.
The platform's assessment of a particular report is not a professional judgment on the quality of the service; rather, it is an internal operational review for the purpose of a refund, settlement, or penalties.
The provider may not argue that the platform allowed them to add the service in order to exempt them from their responsibility for its quality, legality, or clarity.
The service seeker may not argue that the existence of the service within the app means the platform guarantees its results or accredits it professionally.
If it is established that the provider deliberately provided a superficial, deficient, unserious service or one that does not reflect the announced description, the management may forfeit their entitlements in whole or in part.
If it is established that the service seeker misuses the quality criterion to obtain undue refunds, the management may reject their claims and restrict their account.
The provider may not change the substance of the service after booking except with the management's approval or per an adopted mechanism within the app.
The service seeker may not demand from the provider an additional service or result not expressly stated in the description.
The assessment of the quality of the service, upon a dispute, is based on the description displayed at the time of booking, the system records, the messages, the reports, and the available presumptions.

Article 43: Professional services and licenses

Būlum allows persons to display their expertise, experiences, talents, knowledge, and value, and is not limited to holders of professional licenses only.
If the provided service is among the activities requiring a license, permit, or statutory accreditation, the provider alone bears responsibility for obtaining that license, permit, or accreditation.
The provider may not present themselves in a professional, licensed, accredited, or official capacity they do not hold.
Būlum bears no responsibility for the provider's practice of any regulated activity without the necessary license, permit, or accreditation.
The platform may request proof of the license, capacity, experience, or qualification, and may suspend the service or account upon the failure to provide what it requests.
The provider acknowledges that their responsibility for licenses, permits, and accreditations includes whatever may be necessary according to the nature of the service, the place of its provision, the capacity of the service seeker, or the relevant regulations.
The provider may not use misleading or unproven professional terms, titles, certificates, or capacities.
If the provider claims to be an engineer, physician, lawyer, financial advisor, investment expert, certified trainer, licensed by a particular entity, or a holder of an official, academic, or professional capacity, they alone bear responsibility for the correctness of that.
The platform may remove any professional claim, title, or capacity if the user does not provide proof of it or if the management sees that the claim may mislead the users.
The verification badge within Būlum, if any, is not a professional license, a governmental accreditation, or an approval to practice a regulated activity, unless the platform expressly states otherwise.
Medical, therapeutic, legal, financial, investment, psychological, educational, engineering, or any regulated activity services may not be provided in a capacity that violates the regulations or exceeds the license granted to the provider.
If the service seeker receives a professional service from an unlicensed or unqualified provider, regardless of whether that appeared or not, their responsibility in choosing the provider does not exempt the provider from their statutory responsibility, nor does it make the platform a guarantor of the service.
The platform may, without any obligation on it, classify some services, prevent them, or condition verification, a permit, or a document before displaying them.
If an official authority requests data relating to a professional service, license, or violation, the platform may provide it with what it has per the regulations.
The provider bears any fines, claims, harms, fees, or violations resulting from their provision of a service requiring a license without its availability.
The platform may not be used to circumvent professional regulations or provide prohibited or unlicensed services under general, entertainment, or experimental labels.
If it appears that the service poses a danger to the service seeker, the public, or the platform, the management may suspend it immediately without compensation.
The platform bears no responsibility for the continuous verification of all providers' qualifications, and each provider remains responsible for the correctness of their data.
The platform may modify the requirements of licenses, verification, or documents according to the type of service, updates to the regulations, or operational interest.
The provider's continued offering of a service requiring a license is an acknowledgment by them that they hold the necessary statutory capacity or bear full responsibility for its absence.
The service seeker may not consider the existence of a professional service within the app a substitute for referring to the licensed or competent authorities whenever the subject of the service requires that statutorily, medically, financially, or legally.
If it is established that the provider used an incorrect professional capacity to attract bookings, the platform may forfeit their entitlements, deactivate their account, and claim compensation when there is harm.
The provider may not provide services involving a diagnosis, treatment, a fatwa, a binding consultation, or a high-risk financial recommendation if they do not hold the statutory capacity for that.
The provider alone bears responsibility for any harm or claim arising from their exceeding their license, competence, or qualifications.
This article is complementary to the provisions on prohibited services, service quality, and the limits of the platform's liability.

Article 44: Prohibited services and activities

Offering or executing any service that violates the regulations of the Kingdom of Saudi Arabia, public decorum, the Code of Conduct, or the policies adopted by the platform is prohibited.
Offering or executing fraudulent, misleading, or fictitious services, or services based on exploiting users' need, ignorance, or weakness, is prohibited.
Offering or executing services with sexual, indecent, suggestive content or content contrary to decorum, values, or public taste is prohibited.
Offering or executing services that involve exploitation, extortion, threats, harassment, abuse, or unlawful pressure is prohibited.
Offering or executing services that incite violence, hatred, discrimination, or abuse of individuals, groups, communities, or entities is prohibited.
Offering or executing services that violate the health, medical, or therapeutic regulations, or that include unlicensed therapeutic, diagnostic, or pharmaceutical promises, is prohibited.
Offering or executing unlicensed legal, financial, investment, tax, or professional services whenever the license or statutory capacity is required is prohibited.
Offering or executing gambling, betting, pyramid-marketing services, misleading financial activities, or any prohibited or high-risk activity is prohibited.
Offering or executing services that expose minors, persons of limited capacity, or users to danger, exploitation, or abuse is prohibited.
Offering or executing any service the competent authorities prohibit or that the platform sees as unsuitable for the nature of the app, its values, or the safety of its users is prohibited.
The platform may delete any service, appointment, or trip it sees as violating, dangerous, unsuitable, or that may cause harm to the users or the platform.
Būlum bears no responsibility for a prohibited service the provider offers, and the provider bears full responsibility for it.
Offering services that involve a threat, defamation, spying, hacking, unlawful data collection, tracking persons, extortion, or incitement to a violation is prohibited.
Offering services that involve the sale or marketing of prohibited or statutorily restricted materials, products, or activities without a permit is prohibited.
Using services, appointments, or trips for the purpose of unlawful, indecent, exploitative meetings or meetings carrying an apparent danger to any party is prohibited.
The provider is prohibited from including improper, indecent descriptions, images, phrases, or suggestions contrary to values or public taste.
Providing services that include fictitious promises of wealth, fame, a cure, influence, or guaranteed results without a lawful basis is prohibited.
The platform may remove or suspend the service even if no report was filed about it if the management sees that it is violating or may expose the platform or the users to danger.
If amounts were paid for a prohibited service, the platform may refund them, withhold them, forfeit the provider's entitlements, or take whatever it sees fit as the case may be.
The provider has no right to claim any entitlements for a prohibited or violating service, even if it was executed partially or fully.
The service seeker has no right to claim the platform's protection if they participated in requesting a prohibited service or knew of its violation.
The platform may provide the official authorities with the information relating to prohibited services or violations whenever the matter requires that.
If the service includes content or conduct affecting minors, safety, crimes, fraud, extortion, drugs, or any serious matter, the platform may deactivate the account immediately and refer the matter to the competent authorities.
The platform has discretionary authority to interpret what is deemed unsuitable or contrary to the nature of the platform, its values, or its regulations.
Prior permission for a particular service is not a commitment by the platform to continue permitting it if its assessment changes, its risks appear, or reports are filed about it.
Users undertake to report to the platform any prohibited, suspicious, or unsuitable service that appears to them.
Using the platform in any violating activity leads to forfeiting any financial or operational protection of the violator.
Deleting the service or the account does not prevent the platform from claiming compensation or taking the statutory measures.
If the user's desire to offer a particular service conflicts with the safety of the platform, the regulations, the values, or the rights of the users, the platform may refuse the service without compensation.
This article is among the material articles the platform may apply immediately without gradation upon the existence of a violation or a valid suspicion.

Article 45: Retention of data, conversations, and records

Users acknowledge that Būlum may retain and process usage, communication, booking, and payment records for purposes of operation, documentation, security, quality, reports, disputes, and compliance.
The retained data may include text conversations, booking records, payment status, start and end times, codes, notifications, reports, ratings, attachments, call or communication records, and audio or video recordings whenever that is technically enabled or operationally or statutorily necessary.
This data is used as operational evidence in assessing disputes, reports, settlements, refunds, and objections.
The processing of data is subject to the adopted Privacy Policy and the relevant regulations.
No user may record, publish, or share the other party's data outside the app without valid statutory consent.
The user acknowledges that the platform may not record voice or video calls, broadcasts, or video chats, and they have no right to demand the platform to provide a recording that does not exist, is not saved, or is not technically enabled.
The absence of an audio or video recording is not a malfunction in the service or an automatic reason to accept the report or refund.
The platform may rely on other system records, such as the entry time, the booking status, the start code, the messages, the reports, and the ratings, even in the absence of an audio or video recording.
The platform may determine whether some calls, conversations, or broadcasts are recorded or not, according to the technical, statutory, and operational controls.
The user has no right to record calls, meetings, broadcasts, or conversations or publish them outside the app without valid consent from the concerned parties and in a manner consistent with the regulations.
If the user records, publishes, or shares content, data, or conversations contrary to the regulations or policies, they bear full responsibility, and the platform may deactivate their account or notify the competent authorities.
The platform reserves the right to retain records for the period it sees necessary for operational, accounting, or statutory purposes, or to protect rights or handle disputes.
Some records may remain retained by the platform or the service providers even after the account is deleted or closed, whenever that is necessary for compliance, protection, settlement, reports, or claims.
If an official, judicial, or supervisory authority requests information or records, the platform may provide it with what it has per the regulations and without the need for prior permission from the user.
The platform is not obligated to make all records available to users, and it may refuse a request to view them whenever that affects others' privacy, operational secrets, investigations, compliance, or security.
The platform may use the data and records to improve its services, detect fraud, develop algorithms, assess account quality, and apply penalties, per the Privacy Policy.
The user acknowledges that the messages, bookings, ratings, and reports within the app may be used as evidence in disputes.
The user has no right to delete, modify, or deny the effect of a valid operational record merely because it is no longer visible to them in the app interface.
If a technical malfunction occurred that led to the loss or non-appearance of some data to the user, that does not mean its non-existence in the records of the platform or its providers.
The platform may modify the mechanisms for retaining, processing, and accessing data in a manner consistent with technical development, policies, and regulations.
The user may not use any technical means to attempt to access records or data they do not have the right to access.
Any manipulation of the records, an attempt to delete evidence, hide presumptions, or disable the documentation tools is a serious violation.
The platform bears no responsibility for the loss of data, messages, or content from the user's interface due to the deletion or suspension of the account, technical updates, or regulatory measures.
The platform may retain backups or internal records not visible to users whenever that is necessary for operation, compliance, or protecting rights.
The records of the platform, the payment provider, the banks, and the technology providers are valid presumptions in determining rights and obligations upon a dispute.

Article 46: System records as operational evidence

The system records are valid operational evidence in proving the facts relating to booking, payment, execution, ending, communication, reports, refunds, and settlement.
The system records include the appointment-creation time, the booking time, the payment status, the acceptance or rejection of the request, the reason for rejection, the opening of communication, the start of communication, the start code, the end code, the end time, the appointment status, the conversations, the reports, the ratings, the notifications, the entry and usage records, and the device, network, or technical-indicator data whenever available.
The management may rely on the system records when making refund, settlement, penalty, blocking, or entitlement-withholding decisions.
The system records do not prevent the management from considering any other evidence or presumption.
The user acknowledges that the system records may be more reliable than the parties' claims upon conflict, especially in matters of booking, payment, time, and status.
If the user's statements conflict with the system records, the management may give weight to the records unless the user provides valid proof to the contrary.
It is not required that all records be visible to the user for the management to rely on them.
The user has no right to object to relying on the records merely because they are not visible to them in the interface.
If the records show that the service seeker did not attend, did not enter, or did not cooperate in the start code, their refund claim may be rejected.
If the records show that the provider did not start, did not attend, or did not cooperate in the start code, their entitlements may be forfeited in whole or in part.
The notifications sent or not sent are not alone the decisive factor in proving knowledge of the appointment, and the appointment data within the app remains the primary reference.
Notifications or emails may be delayed or may not arrive due to factors beyond the platform, and that does not forfeit the user's responsibility to follow their account.
The existence of an audio or video recording is not required to prove the start, end, or non-execution of the service.
The platform may rely on the aggregate of presumptions and not only a single presumption.
If there is an apparent or general technical malfunction, the management may assess its effect on the records and the financial decisions.
The user may not manipulate the system records or attempt to circumvent their statuses, codes, timing, or tools.
Any attempt at technical manipulation, fraud, or unlawful use of the system is a serious violation.
The records of the payment provider and the banks are complementary to the platform's records in financial matters.
The platform has the right to correct any incorrect operational status if its error is established from the records, the review of the payment provider, or the reports.
Relying on the records in a particular case does not prevent the management from taking other circumstances or presumptions into account when needed.
Neither the service seeker nor the provider may claim non-attendance, non-payment, or non-execution if the records support otherwise.
If it is established that the records were subject to a limited malfunction, the management may use alternative presumptions to take the appropriate decision.
The platform is not obligated to disclose its technical details, the method of reading the records, or its internal mechanisms when adjudicating a dispute.
The platform may retain the records for purposes of development, analysis, compliance, and protecting rights.
This article is a primary reference upon any conflict between the parties' statements and the operational data.

Article 47: Notifications

Būlum sends notifications through the app, the device, email, or any means it adopts.
Notifications may include booking confirmation, awaiting payment, acceptance of the request, rejection of the request, the approaching appointment, the opening of communication, the end of the service, the rating, the report, policy updates, updates to fees, taxes, or commissions, and the management's requests to complete data or responses.
Būlum does not guarantee the arrival of notifications at all times due to device settings, the network, operating systems, service providers, email, or any other technical reason.
The user remains responsible for following their account and appointments within the app.
Notifications are a supporting means of alerting and are not the conclusive or sole means to know the booking status, the beginning or end of the appointment, the payment deadline, or the objection window.
Notifications or emails may arrive late or may not arrive for any technical reason or a reason relating to the device, the network, the mail, or the service provider, and the platform is not responsible for that whenever the appointment or status data is available within the app or the user was required to follow it.
Neither the service seeker nor the provider may argue the non-arrival of a notification to evade attendance, payment, responding, submitting a report, or following the appointments.
The user undertakes to enable the notifications and necessary permissions on their device if they wish to benefit from them, and bears responsibility for disabling, blocking, or ignoring them.
The user undertakes to follow the registered email and the contact number, if any, and to verify their correctness and update them.
If the management requests a response or data via email, a call, or the app, the user is responsible for following up and responding within the specified period.
The platform may suffice with notifying users of the update to the policies, fees, taxes, packages, or features through the general notifications tab within the app.
For a notification to be valid, it is not required that every user actually read it whenever it has been published or made available through an adopted official channel.
Continuing to use the app after the general notifications or the policy update is an acceptance of the updated content.
The platform has the right to send operational, administrative, financial, legal, or marketing notifications per what the regulations and policies permit.
The platform is not obligated to send more than one notification per event, and is not obligated to repeat reminders of appointments or deadlines.
If the booking status changes within the app, what matters is the status displayed in the system and its records even if an independent notification did not arrive.
The platform bears no loss, refund, or compensation because of the user's reliance on notifications alone without following the app.
The platform may change the notification channels, their method, timing, wording, merge them, reduce them, or increase them as it sees fit.
Some notifications may be general to all users, and some may be specific to a particular account, transaction, or category.
The user acknowledges that notifications are part of the organizational tools, and are not an independent guarantee of the execution of the service, attendance, payment, or refund.
The failure or delay of a notification is not a reason to drop an appointment, extend a deadline, or refund an amount automatically, unless the management decides otherwise based on a confirmed material malfunction from the platform.
The user may not claim ignorance of the policy update whenever it has been published or made available within the app, the policies page, or the general notifications tab.
The platform may send notifications relating to taxes, fees, a change of shares, or payment updates, and continuing to use the app is an acceptance of what was notified.
The platform may retain a record of the notifications sent, displayed, or made available to the user as operational evidence.
The platform bears no responsibility for the user disabling notifications, closing the alerts, or using an incorrect or outdated email.

Article 48: Ratings

The service seeker has the right to rate the provider after the service ends per the available mechanism.
The provider has the right to view the ratings per what the app makes available.
Būlum does not guarantee the deletion of a negative rating merely because the provider is dissatisfied with it.
The platform may delete or hide any abusive, violating, or service-unrelated rating.
The recurrence of negative ratings or reports may lead to regulatory measures against the provider.
Ratings express the users' experience and impressions, and are not a final judgment by the platform on the quality of the service or the responsibility of any party.
Ratings may not be used for abuse, defamation, extortion, publishing personal data, or unproven accusations.
The provider may not pressure the service seeker to rate them positively, prevent them from rating, or threaten them because of the rating.
The service seeker may not use the rating for extortion or to request a refund or undeserved benefits.
The platform may hide, delete, or modify the appearance of any rating that includes abusive language, defamation, personal information, external links, unproven criminal or statutory accusations, service-unrelated content, an invitation to deal outside the platform, or a violation of the regulations or the Code of Conduct.
The platform is not obligated to notify the user before deleting or hiding a violating rating.
The platform may use the ratings in arranging visibility, quality indicators, verification decisions, account restriction, or reviewing services.
If it is established that the rating is malicious, issued from a fake account, or the result of an agreement or manipulation, the platform may delete it and take a measure against the involved accounts.
Ratings may not be bought, exchanged, or agreed upon fictitiously.
The platform may suspend the rating feature or change its duration, mechanism, or manner of appearance at any time.
A positive rating does not prevent the review of a report, a bank chargeback, or a subsequent violation if valid presumptions appear.
The existence of a negative rating does not mean the service seeker is automatically entitled to a refund.
The provider has no right to claim compensation from the platform because of a legitimate negative rating or a dissatisfied user's experience.
Users acknowledge that ratings are part of the operational environment of the platform, and that their use must be in good faith and per the values and regulations.
The platform has the right to retain records of deleted or hidden ratings for purposes of reports, review, and compliance.
The platform may display the average rating, the number of ratings, or commitment or account-reliability indicators whenever it adopts that.
If the provider uses any means to manipulate ratings, create fictitious ratings, or pressure users, the platform may restrict their account, suspend it, or forfeit some of their benefits.
If the service seeker uses the rating for threats, extortion, or abuse, the platform may restrict their account, delete their rating, or prevent them from rating.
Ratings are not a guarantee by the platform that future experiences will be similar to prior experiences.
The platform may modify the ratings policy and the mechanism of their appearance, hiding, or calculation as it sees fit.

Article 49: Financial and regulatory penalties

The platform may take any financial or regulatory measure upon a violation of this policy, the Terms of Use, the Service Provider Agreement, or the Code of Conduct, without requiring gradation.
The measures include a warning, hiding the service, deleting the service, cancelling the appointment, suspending the booking, withholding entitlements, forfeiting entitlements, deduction or set-off, halting transfers, suspending the account, permanent deactivation, reducing visibility, preventing the addition of appointments or services, claiming compensation, referral to the competent authorities when needed, restricting the use of broadcasting, messages, or calls, withdrawing or suspending verification, preventing direct booking, requiring a prior review of the services, and any other measure the management sees fit.
Gradation is not required if the violation is serious, financial, or affects the safety of the users, their funds, or their data, or the reputation of the platform.
No compensation arises for the provider for suspension or withholding resulting from a violation or a valid suspicion.
The platform takes into account, whenever it sees fit, the type of violation, its recurrence, its financial, behavioral, and technical effect, the number of those affected, and the user's prior record.
Violations may be classified as minor, medium, or serious at the management's discretion.
Examples of minor violations include a non-recurring error in the description, a minor immaterial delay, a correctable lack of clarity, and a first violation with limited effect.
Examples of medium violations include recurring delay, recurring cancellation, recurring poor quality, non-cooperation with the management, recurring well-founded reports, and a materially misleading description.
Examples of serious violations include the non-execution of a paid service, circumventing the platform, external payment, fraud, exploiting minors, violating the regulations or decorum, threats, extortion, or serious abuse, providing a prohibited service, and using unlawful data, accounts, or payment methods.
The management is not required to follow a particular order in the penalties, and it may move directly to suspension, withholding, or claiming compensation if it sees that the violation warrants that.
The platform may combine more than one measure for a single violation.
Taking a regulatory measure does not prevent taking a financial measure or vice versa.
If the account is suspended, that does not mean exempting the user from any amounts, claims, compensation, or fees due.
The platform may suspend some account features without fully closing it.
The platform may place temporary or permanent restrictions on the provider, such as preventing the addition of new appointments, services, or trips.
The platform may charge the provider with the financial consequences resulting from their cancellation, non-attendance, non-execution, or violation, including the fees, costs, and refunds.
The platform may charge the service seeker with the regulatory or financial consequences if their misuse of reports or objections, their repeated non-attendance, or their attempt to circumvent is established.
Any leniency by the platform in a particular case is not a waiver of its right to apply the penalties later.
The platform may modify, expand, or customize the penalties schedule according to the type of service, account, or violation.
This article is a general basis for the penalties, in addition to any special penalties stipulated in other articles of this policy, the Terms of Use, or the Service Provider Agreement.
The user may not claim compensation for any lawful measure the platform takes to protect itself, the users, the funds, or the data.
If the violation results in costs on the platform, it may claim them from the violator or effect a set-off from their entitlements.
The platform may use the record of violations in decisions of verification, visibility, rating, and future restrictions.
The platform's right to a penalty, compensation, withholding, or set-off does not lapse because of a delay in discovering the violation.
The effects of the financial and regulatory penalties continue on prior transactions even if the user deletes their account, suspends it, or refrains from using the app.

Article 50: Cases of forfeiting the provider's entitlements

The platform may forfeit all or part of the provider's entitlements upon the non-execution of the service.
The platform may forfeit all or part of the provider's entitlements upon the provider's non-attendance.
The platform may forfeit all or part of the provider's entitlements upon ending the service arbitrarily or before its time without an acceptable justification.
The platform may forfeit all or part of the provider's entitlements upon providing a service contrary to the description, deficient, misleading, or unserious.
The platform may forfeit all or part of the provider's entitlements upon misleading the service seeker, giving incorrect promises, or concealing material information.
The platform may forfeit all or part of the provider's entitlements upon violating the prohibition of external communication.
The platform may forfeit all or part of the provider's entitlements upon violating the prohibition of external payment.
The platform may forfeit all or part of the provider's entitlements upon the existence of fraud, manipulation, or unlawful use of the account or the service.
The platform may forfeit all or part of the provider's entitlements upon the existence of a bank chargeback due to the provider's shortcoming or violation.
The platform may forfeit all or part of the provider's entitlements upon violating the regulations, decorum, or the Code of Conduct.
The platform may forfeit all or part of the provider's entitlements upon non-cooperation with the management in reports, objections, or data requests.
The platform may forfeit all or part of the provider's entitlements upon cancelling the appointment or trip without a valid reason after a confirmed booking exists.
The platform may forfeit all or part of the provider's entitlements upon repeated cancellation, delay, or lack of readiness.
The platform may forfeit all or part of the provider's entitlements upon non-compliance with the start code, disabling it, or manipulating it.
The platform may forfeit all or part of the provider's entitlements upon using the free service for external redirection or drawing users outside the app.
The platform may refund the amount to the service seeker in whole or in part from the provider's entitlements upon the proof of shortcoming.
Forfeiting the entitlements does not prevent taking additional measures against the provider.
Forfeiting the entitlements does not require that the harm was caused intentionally; rather, it is sufficient to establish the shortcoming, breach, or violation at the management's discretion.
If it is established that the provider cancelled, did not attend, or did not execute, the platform may forfeit their entitlements and charge them with the payment, refund, objection, and processing fees.
If it is established that the service was executed only partially, the management may forfeit part of the entitlements in proportion to the malfunction or refund part of the amount to the service seeker.
If the malfunction is due to a misleading or deficient description, the management may forfeit the entitlements even if the provider attended.
If it is established that the provider requested external communication or payment, the platform may forfeit the entitlements of the transaction and claim the agreed compensation from them.
If the provider provided a prohibited or violating service, they are not entitled to any amount for it, and the platform may withhold it, refund it, or handle it per the regulations.
If the provider caused a bank chargeback due to their breach, the platform may deduct the value of the chargeback and its fees from their entitlements.
If the provider does not cooperate with the management's requests within the specified period, the management may make the forfeiture decision based on the available records.
The provider has no right to object to the forfeiture of the entitlements if the forfeiture is based on an established violation or valid presumptions.
If the cause of the forfeiture is removed or the error of the decision is established, the platform may correct the settlement as it sees fit.
The platform is not obligated to pay any compensation for the period of withholding or forfeiting the entitlements whenever the measure is based on a legitimate review.
Forfeiting the entitlements does not prevent the platform from deactivating the account or preventing the addition of new services.
The provider acknowledges that their entitlements are not guaranteed merely upon payment; rather, they are conditional on execution, compliance, and the absence of impediments.

Article 51: Force majeure and technical failures

Būlum bears no responsibility for any delay, failure, or interruption resulting from force majeure or a circumstance beyond reasonable control.
Force majeure and failures include internet interruption, payment-provider outages, bank outages, operating-system outages, general technical failures, orders of official authorities, disasters, and cyberattacks despite taking reasonable precautions, and any circumstance beyond reasonable control.
In the event of force majeure, the management may reschedule the booking, suspend it, refund it, or handle it as it sees fit.
No party may hold Būlum responsible for a delay or failure beyond its reasonable control.
The circumstances beyond the platform's control also include the weakness of the user's network, device, settings, or internet provider, a power outage on their end, an un-updated app, or disabled permissions.
The technical readiness of the calls, network, internet, device, camera, microphone, and permissions, and following the beginning and end of the appointment, is a shared responsibility of both parties according to their capacity.
The platform bears no responsibility for the inability of the service seeker or the provider to enter or communicate due to a malfunction in their device, network, or settings.
Notifications or emails are not a guarantee of attendance or alerting, and may arrive late or not arrive for any technical reason, and each party remains responsible for following the appointment themselves.
If a proven general malfunction occurred in the platform itself that affected a number of users or prevented the execution of the service, the management may handle the affected cases as it sees fit.
No automatic compensation arises from a general malfunction, and the solution is according to the type of service, the actual harm, and the system records.
If the malfunction is from the payment provider or the bank, the handling is subject to the procedures of those entities, and the platform does not guarantee their timing or outcome.
If the malfunction is from a telecom provider, an operating system, or the user's device, the platform is not responsible for its effect.
The user undertakes to take reasonable precautions before the appointment, such as charging the device, checking the internet, updating the app, and enabling the permissions.
The user may not wait until the appointment time and then argue a lack of technical readiness.
If the start code fails due to a genuine technical malfunction of the system, the management may assess the alternative evidence and handle the case.
If the start code fails due to the user, their device, or their network, they bear the consequence of that.
The platform is not obligated to provide an immediate alternative for every malfunction or interruption.
The platform may temporarily suspend some services for maintenance, development, handling a malfunction, or protecting the system.
The platform bears no indirect losses, loss of opportunity, moral harm, or external arrangements due to the failures or force majeure.
The platform has the right to issue alerts, notifications, or announcements of the failures or maintenance whenever it sees fit, and that is not required for the validity of applying this article.

Article 52: The service seeker's financial responsibility

The service seeker undertakes to pay the value of the service or appointment per the price displayed to them before completing the booking.
The service seeker bears responsibility for reading the details and verifying the date, time, type, price, and location before payment.
The service seeker bears responsibility for any error resulting from their choice, their lateness, their non-attendance, or their failure to read the details.
The service seeker has no right to request a refund because of a matter that was apparent to them in the description of the service, trip, or appointment before booking.
The service seeker has no right to demand an additional service, companions, or benefits not expressly stated in the booking details.
The service seeker undertakes to attend at the specified time and to be technically, psychologically, and practically ready to benefit from the appointment or service.
The service seeker bears the consequence of the unreadiness of the internet, the device, or the permissions, or of not following the booking status.
The service seeker bears the consequence of not entering the start code if it is required and the refusal or delay is attributable to them.
The service seeker has no right to claim a refund if they missed the appointment, entered late, or did not benefit from the time due to a shortcoming on their part.
The service seeker bears any fees, costs, or direct losses resulting from a malicious or incorrect bank chargeback or a double refund.
The service seeker may not use a payment method they do not own or are not authorized to use.
The service seeker bears responsibility for any dispute arising from the use of an unlawful card or payment method.
The service seeker may not request external payment, external communication, or an agreement outside the app.
If the service seeker violates the prevention of circumvention, their right to the platform's protection regarding the transaction in question is forfeited.
The service seeker undertakes to respond to the management's requests and provide it with the refund or verification data within the specified periods.
If the service seeker does not provide the platform with the data required for the refund within forty-eight hours, or does not respond to the management's correspondence within twenty-four hours when needed, their right to the refund may be forfeited per this policy.
The service seeker bears responsibility for any companion they bring with them or any person who uses their account or device.
The service seeker may not hold the platform responsible for their choice of a particular provider or the unsuitability of the service for them after its details appeared.
If the service seeker files a malicious or misleading report or exploits the financial system, the platform may take regulatory and financial measures against them.
The service seeker acknowledges that the decision to book and pay is theirs, and that the platform provides the tools of display, booking, and payment without guaranteeing the personal result of the service.

Article 53: The provider's financial responsibility

The provider bears full financial responsibility for any shortcoming, breach, misleading, or violation issued by them.
The provider undertakes to refund or bear any amounts, fees, or losses resulting from their breach, including the refund to the service seeker, the payment fees, the bank chargeback fees, the transfer fees, the agreed compensation, any direct losses the platform bears because of the violation, and the taxes, fees, or non-refundable costs whenever their cause is attributable to them.
The platform may deduct these amounts from the provider's current or future entitlements.
The provider undertakes not to add any appointment, service, or trip unless they are fully committed to executing it at its time and per its description.
The provider acknowledges that their cancellation, non-attendance, lack of readiness, or misjudgment of the time, cost, or ability to execute may entail financial and regulatory consequences on them.
The provider bears the consequence of any deficient, misleading, exaggerated, or unclear description.
The provider bears the consequence of any violation of the regulations, licenses, values, or public decorum in the service they provide.
The provider bears any fees or costs resulting from bank chargebacks caused by their shortcoming, non-execution, or misleading.
The provider bears any direct harm that befalls the platform because of their circumvention, external payment, external communication, or forfeiting the platform's rights.
The provider undertakes to cooperate with the management in reports, objections, settlements, and official requests.
If the provider does not cooperate or does not respond within the specified periods, the platform may take a financial or regulatory decision based on the available records or file a complaint with the competent authorities.
The provider bears responsibility for the correctness of their bank, tax, commercial, and professional data.
If the regulations require issuing an invoice, applying a tax, proving income, or any financial or tax obligation specific to the provider, they bear their responsibility per the regulations unless the platform is expressly responsible for a particular procedure.
The provider may not charge the service seeker or the platform with costs that were not apparent or agreed upon within the app.
The provider may not raise the price after booking or request an additional amount outside the app.
The provider may not use the platform to test the users' desire and then cancel the appointments or redirect them externally.
If the provider's poor commitment recurs, the platform may place them under special review, suspend their services, or terminate their account.
The provider has no right to claim compensation from the platform for any losses resulting from their suspension or the withholding of their entitlements because of their violation or a reasonable suspicion of it.
The provider acknowledges that the platform relies on their commitment and honesty in offering appointments and services, and that breaching that harms the platform and the users.
The provider's financial responsibility for prior transactions continues even after the account is deleted, closed, or suspended.

Article 54: The limits of Būlum's liability

Būlum bears no responsibility for the quality of the service, the result of the service, the provider's conduct, or the service seeker's conduct.
Būlum bears no responsibility for safety outside the app, the details of the trips the provider sets, the places the parties choose, or the amounts paid outside the app.
Būlum bears no responsibility for any side agreement outside the platform, any data the user shares outside the app, or any statutory violation any party commits.
Būlum bears no responsibility for the non-arrival or delay of notifications, or the weakness of the user's network, device, or settings.
Būlum bears no responsibility for the non-recording of calls or the absence of audio or video recordings if the recording feature is not adopted or saved.
Būlum bears no indirect losses, loss of opportunity, moral harm, or personal expectations that were not realized.
Būlum's liability, if any, is within the limits of the technical and operational role it actually performed and per the applicable regulations.
The management's decisions regarding reports, refunds, or settlement are not an acknowledgment by it that it is a party executing the service.
The platform does not guarantee the continuity of all features, their availability at all times, or to all users.
The platform may make available, close, modify, or restrict any feature, including broadcasting, calls, messages, chats, links, verification, auctions, and appointments, as it sees fit.
The platform bears no responsibility for the inability to use a particular feature if it is restricted, modified, or suspended for operational, regulatory, or technical reasons.
The platform does not guarantee that every provider is suitable for every service seeker, and does not guarantee the correctness of every claim the user makes before verifying it.
The platform bears no responsibility for any content, post, message, or broadcast issued by the users, while it retains the right to delete, restrict, or suspend.
The platform bears no responsibility for any external arrangements such as travel, accommodation, transport, permits, or personal expenses unless it expressly stipulated a specific obligation within the app.
The platform bears no responsibility for the delay of banks, payment providers, telecom companies, operating systems, or app stores.
The platform is not responsible for any harm resulting from the user sharing their data, accounts, links, or information outside the app.
The platform bears no responsibility for any statutory violation a user or provider commits, while it retains the right to take the appropriate measures upon knowledge or suspicion.
The user has no right to claim compensation from the platform for cancelling, suspending, or deleting violating content, a violating service, or a violating account.
If an error by the platform in a financial transaction is established, its obligation, whenever determined, is within the limits of correcting the direct error per the regulations and this policy.
The user acknowledges that these limits of liability are a material condition for the continuity of the platform and the provision of its services per appropriate operational and financial mechanisms.

Article 55: Updates and amendments

Būlum may amend this policy at any time.
The amendment becomes effective upon its publication within the app, notifying the users, or the user's continued use of the app after the update.
Continuing to use the app after the amendment is an acceptance of the amended policy.
If the user does not agree to the amendment, they must stop using the app and request the closure of their account per the adopted procedures.
The platform may continuously update the Financial & Regulatory Policy according to what operational, regulatory, financial, technical, or commercial interest requires.
Publishing a general notice within the app, in the general notifications tab, on the policies page, on the landing page, or through any official channel the platform adopts is sufficient to notify users of the update.
It is not required that every user receive an independent individual notice of every update.
It is not required that the user sign every updated version whenever they continue to use the app, make bookings, or offer services after the update is published.
The platform may amend the fees, commissions, value-added tax, verification packages, account benefits, broadcasting conditions, communication tools, objection periods, or refund mechanisms as it sees fit.
Value-added tax or any tax or statutory fee may be added at any time according to interest and the applicable regulations, and the platform may display it, include it, collect it, or modify the method of its calculation.
If the regulations or the requirements of the banks, payment providers, or official authorities change, the platform may amend this policy in a manner consistent with those requirements.
The user acknowledges that the app is subject to continuous updating and development, and that some administrative or operational procedures may become technical or automated at any time.
The development of the app, the addition of technical tools, or the change of the processing mechanisms is not evidence that the prior procedures were incorrect or incomplete.
The platform may add new features, discontinue existing features, or change the conditions of their use without this giving rise to compensation for the user.
The updated policy applies to new transactions after it takes effect, and may also apply to existing transactions to the extent necessary to handle reports, disputes, compliance, or protecting rights, unless the platform decides otherwise.
The platform retains copies or records of the prior policies when needed for compliance or dispute resolution.
If there is a conflict between the Financial & Regulatory Policy and any operational instructions displayed within the app, all of them are interpreted in a manner that achieves operational safety and the protection of rights, and the platform may issue a decisive interpretation or update.
The user may not continue to use the app and then claim non-acceptance of the updated policy.
Any use of the account, booking, payment, or offering of a service after the update is an actual acceptance of the update.
If there is a translated version of the policy, the Arabic version is the adopted reference upon conflict, unless the platform decides otherwise expressly.

Article 56: Governing law and jurisdiction

This policy and everything arising from or associated with it of relationships, transactions, claims, disputes, interpretations, or financial, operational, or regulatory effects is subject to the regulations in force in the Kingdom of Saudi Arabia.
The relevant regulations, bylaws, decisions, and instructions within the Kingdom of Saudi Arabia apply to any matter on which no special provision is stated in this policy, in a manner not conflicting with the nature of the platform and its technical and regulatory role.
The judicial, quasi-judicial, or competent authorities in the Kingdom of Saudi Arabia have jurisdiction to consider any dispute that is not settled amicably or administratively within the platform.
The user acknowledges that their use of the app, booking, payment, offering services, accepting requests, or executing them is an acceptance of submitting to the statutory and judicial jurisdiction in force in the Kingdom of Saudi Arabia.
The platform may, before resorting to any competent authority, attempt to handle the dispute administratively or operationally through the support, reports, and internal settlement channels.
Internal handling, the review of reports, refund decisions, withholding entitlements, or settlement is not a substitute for the competent authorities, and does not prevent any party from resorting to the competent authority per the regulations.
The platform's operational and financial decisions remain effective within the app until something to the contrary is issued by a competent authority or until they are amended by the management.
If a decision is issued by a competent authority contrary to a measure the platform took, the platform complies with it within the limits of its content and per the possible statutory procedures.
The user may not invoke the difference of their place of residence, nationality, location, or place of executing the service to evade the provisions of this policy or the statutory jurisdiction specified in it.
If the service seeker or the provider is outside the Kingdom of Saudi Arabia, their use of the app is an acceptance by them of applying this policy and the competent regulations in the Kingdom of Saudi Arabia to their relationship with the platform.
The platform bears no responsibility for the user's violation of any local or foreign regulation applicable to them because of their use of the app or their provision or request of any service.
The user undertakes not to offer, request, or execute any service that violates the regulations in force in the country or place in which they are located or in which the service is executed, while the reference of this policy remains for the transactions within Būlum.
The platform may refrain from executing any request or suspend any account, booking, or entitlements if it sees a conflict with an official order, a statutory requirement, or a suspicion of a violation.
The user has no right to claim compensation from the platform because of its compliance with any statutory order, official request, or legitimate precautionary measure.
If the dispute or claim requires providing records, data, or documents, the platform may rely on the records of the system, the payment provider, and the banks as valid presumptions.
Each user bears their own costs, fees, and expenses relating to any claim, dispute, or statutory procedure they initiate, unless a competent authority decides otherwise.
The platform may claim from the violator compensation for the fees of legal counsel, litigation, collection, official correspondence, fees, and expenses whenever the claim arises from their violation of this policy.
No amicable settlement or administrative measure the platform accepted in a particular case gives rise to a waiver of its right to invoke or apply this article in other cases.
If there are multiple versions, translations, or forms, the adopted Arabic version is the reference in interpretation and execution, unless the platform adopts otherwise expressly.
This article governs every financial, regulatory, or operational dispute arising from the use of the app, from any transaction carried out within it, or because of its use.
All users acknowledge that the times displayed in the app for any appointment, service, activity, content, or anything relating to, dealing with, interacting with, or associated with the app are the time of the Kingdom of Saudi Arabia, which is the adopted time, and in the event of any other updates regarding this matter, they will be updated later by any means the platform adopts.

Article 57: The user's final acknowledgment

The user acknowledges that they have read this Financial & Regulatory Policy and understood its content and its financial, operational, and regulatory effects.
The user acknowledges that their agreement to this policy was made of their own free will and full mental faculties without coercion or compulsion, and that their use of the app, their continuation in it, or their carrying out of any transaction within it is an express and binding acceptance of all its provisions.
The service seeker acknowledges that they are responsible for reading the details of the service, appointment, or trip before booking or payment.
The service seeker acknowledges that they are responsible for choosing the provider and for assessing the suitability of the service for them before booking.
The service seeker acknowledges that the platform does not guarantee the quality of the service, its result, or the fulfillment of their personal expectations.
The service seeker acknowledges that notifications are a supporting means, and that they must follow their appointments, requests, and bookings within the app.
The service seeker acknowledges that the objection window is set at twelve hours from the end of the service, appointment, or trip or its being deemed ended by operation of the rules.
The service seeker acknowledges that failing to file the report within the specified period may lead to the refusal of the refund or the lapse of the financial claim, unless the management decides otherwise.
The service seeker acknowledges that the 10% booking fee or service fee is non-refundable as a general rule, unless the management decides or the regulations require otherwise.
The service seeker acknowledges that they may not pay outside the app, request external communication, or agree to execute a service outside Būlum.
The provider acknowledges that they are responsible for the correctness of the description of the service, appointment, or trip, for their ability to execute it, for its legality, and for the clarity of what the price includes and excludes.
The provider acknowledges that they may not add an appointment, service, or trip unless they are fully committed to executing it.
The provider acknowledges that making direct-acceptance appointments available is a prior acceptance on their part to execute upon booking and payment.
The provider acknowledges that their acceptance of the full-day meeting or travel trip request is a commitment on their part to execute per the adopted details.
The provider acknowledges that they are not entitled to their net entitlement merely upon the service seeker's payment; rather, it is after the conditions of entitlement are met, the objection window ends, and there is no report, objection, violation, or settlement impediment.
The provider acknowledges that their net entitlement in the adopted financial model is 62% of the value of the service, and that this share does not include the 10% booking fee or service fee nor the 28% platform operational commission.
The provider acknowledges that the platform is entitled to a 28% operational commission and a 10% booking fee or service fee from the value of the service, and that the platform's total share is 38% of the value of the service in the adopted financial model.
All users acknowledge that the total of the financial shares in the adopted model equals 100% of the value of the service, and no text may be interpreted so as to lead to 110% or any total exceeding the value of the service.
The user acknowledges that violating the prohibition of external payment, the prohibition of external communication, or circumventing the platform is a material violation that may lead to deactivating the account, withholding the entitlements, and claiming compensation.
The user acknowledges that the records of the system, the payment provider, the banks, and the technology providers are valid presumptions in determining the facts, rights, and obligations.
The user acknowledges that the platform has the right to amend this policy and notify them of the updates through the app, the general notifications, the policies page, or any official channel it adopts.
The user acknowledges that their continued use of the app after any update is an acceptance of the updated policy.
The user acknowledges that the platform is not responsible for transactions carried out outside the app, external payments, side agreements, or external communication.
The user acknowledges that any financial, operational, or behavioral violation may lead to withholding the entitlements, forfeiting them, restricting the account, deactivating it, or claiming compensation.
The user acknowledges that this policy was established to protect the platform and the users and to organize the financial and operational rights, and that adhering to it is a fundamental condition for benefiting from Būlum's services.

Article 58: Official contact details

The platform adopts official channels to communicate with users regarding reports, refunds, support, updates, claims, objections, and financial and regulatory requests.
The official channels include, per what the platform adopts, email, app messages, the support tab, the reports tab, the general notifications, the policies page, or any other channel the platform announces.
The platform's official email for administrative communication, support, reports, refunds, or financial requests is: [notifications@bulumplatform.com] or [support@bulumplatform.com] or any other official email the platform adopts within the app or through its official channels.
The platform may change, add, or remove any official communication channel whenever it sees fit.
Any channel not published or not adopted by the platform is not an official channel binding on it.
The platform is not obligated to respond to requests, reports, or claims sent through personal accounts, unofficial numbers, or unadopted channels.
The user, when communicating with the platform, undertakes to provide correct and complete data, such as the name, account number, email, transaction number, booking number, or any information necessary to handle the request.
The platform bears no responsibility for the delay in handling any request if the data provided is incomplete, incorrect, insufficient, or does not enable the transaction to be identified.
The platform may request additional information to verify the user's identity or their connection to the booking or transaction.
If the user refuses to provide the information or documents required for verification, the platform may suspend the handling of the request or refuse it.
The user may not send repeated, malicious, abusive reports or requests, or ones unrelated to a real transaction.
The platform may ignore abusive or threatening messages, or messages that include insults, defamation, extortion, abuse, or violating content.
The platform may retain the users' correspondence with support for purposes of operation, compliance, reports, disputes, and improving the service.
The correspondence issued from the platform's official channels is valid operational evidence when considering requests or disputes.
Corresponding with the platform is not an accepted request or an effective report until it is handled per the adopted channels and procedures.
The user's delay in communicating with the platform does not give rise to any automatic extension of the specified periods, such as the objection window, the response deadline, or the deadline to provide the refund data.
If the management sends a request to the user through an official channel, they undertake to respond within the period specified in this policy or in the message.
If the user's email, phone number, or means of communication changes, they must update it within the app, and the platform bears no consequence of using old data.
The platform bears no responsibility for the non-arrival of its correspondence due to a full mailbox, blocked messages, entering an incorrect email, disabled notifications, or any reason attributable to the user.
The user acknowledges that official communication with the platform is only through the adopted channels, and that any unofficial communication does not bind the platform to anything.

Article 59: Verification and account packages

The platform may make available a verification feature, account badges, packages, or special benefits per its operational and commercial controls.
Verification within Būlum is not a governmental license, a professional accreditation, or a guarantee of the quality of the services or the correctness of everything the user provides.
Verification, when available, is an identification, operational, commercial, or regulatory procedure within the platform, and does not change the user's responsibility for their content, services, and conduct.
The platform may determine the conditions of verification, its duration, its fees, its benefits, the method of granting it, the method of renewing it, the cases of refusing it, and the cases of cancelling or suspending it.
Verification or package fees, when paid, are subject to their own policy or to what appears within the app, and are non-refundable as a general rule after their activation or benefit from them, unless the management decides or the regulations require otherwise.
The platform may adopt a price for verification, the package, the badge, or the benefits, such as fees for a specified period, a subscription, a one-time amount, or any other commercial model.
The user has no right to demand the continuation of a particular verification, package, or benefit price if the platform decides to modify, cancel, or replace it.
The platform may grant some accounts special benefits, higher visibility, additional tools, or communication, broadcasting, or booking-acceptance features per its conditions.
Granting a benefit or verification to a particular user is not a commitment to grant it to all users.
The platform may refuse verification or withdraw it if the user provided incorrect, misleading, or incomplete data.
The platform may suspend verification or withdraw it if the user violated the policies, reports against them recurred, or their misuse of the platform is established.
Verification does not exempt the user from the obligation to prevent external payment, external communication, or circumvention.
The user may not use verification to imply the platform's guarantee of their services or its responsibility for them.
The user may not sell, rent, or transfer a verified account, badge, or package to another party without the platform's approval.
The platform may request re-verification or the updating of documents or data for verified accounts at any time.
If the user does not respond to the re-verification request, the platform may suspend the verification or restrict the account.
The benefits of accounts and packages may differ according to the country, category, type of service, account record, follower count, or the criteria the platform adopts.
The platform bears no compensation for the loss of a benefit, visibility, ranking, or priority if the algorithms, policies, or packages are modified.
The platform may set special controls for high-demand accounts, celebrities, influencers, experts, or accounts that provide sensitive services.
The user acknowledges that verification and packages are regulatory and commercial tools subject to updating and do not create a permanent or absolute right to visibility, booking, or benefits.

Article 60: Auctions, competitions, and special access mechanisms

The platform may adopt auction, competition, priority, or special-access mechanisms for some services, appointments, accounts, visibility, or communication.
Auctions, competitions, and special-access mechanisms are subject to the conditions that appear within the app, that the platform announces, or that it adopts in a special policy.
The fees, shares, payment methods, refunds, or entitlement in auctions or special-access mechanisms may differ from ordinary services whenever that is expressly stated.
The user has no right to demand the application of the provisions of an ordinary service to an auction or special mechanism if it has independent visible conditions.
Special-access mechanisms may include services such as booking priority, visibility priority, special communication, a limited appointment, an exclusive offer, appearance in certain results, or any other benefits the platform adopts.
The user acknowledges that participating in any auction, competition, or special-access mechanism is an acceptance of its special conditions.
The platform does not guarantee the user's winning in the auction, or obtaining the appointment, visibility, or benefit, unless payment and confirmation are completed per the system.
The platform may cancel or suspend any auction, competition, or special mechanism if a technical malfunction, violation, manipulation, or an operational interest requiring that appears.
Auctions may not be manipulated, fake accounts used, violating coordination conducted, fictitious price-raising done, or the competition mechanisms misused.
If manipulation is established, the platform may cancel the participation, the booking, or the service, and withhold the amount, refund it, or forfeit the entitlements as the case may be.
The platform may impose participation fees, winning fees, booking fees, or different commissions in auctions or special services.
Participation or booking fees in auctions are non-refundable as a general rule if the special conditions stipulate that or if the user benefited from the participation.
If the platform cancels the auction or the special mechanism due to a malfunction on its part, it may refund the amounts, re-run the operation, or take whatever it sees fit.
If the auction is cancelled because of the user's violation, they have no right to claim a refund or compensation unless the management decides otherwise.
Auctions or priorities may not be used to circumvent the prohibition of external payment or external communication.
The platform may set participation limits, eligibility conditions, verification, or prepayment for some special mechanisms.
The platform may modify the rules of auctions and special-access mechanisms at any time.
The user has no right to demand the platform to provide an auction, priority, or special access permanently.
The system records are the reference in determining the time of participation, the payment status, and winning or not winning.
If the provisions of this article conflict with the special conditions displayed within the auction or competition mechanism, the special conditions apply within the limits of their subject matter, while this policy remains complementary to them.

Article 61: Content, posts, and the rights associated with them

The user remains responsible for the content they publish, upload, or send within the app, including texts, images, videos, audio clips, broadcasts, comments, messages, descriptions, and files.
The user acknowledges that they own the rights necessary to publish the content or that they have obtained the necessary permits and approvals for that.
The user may not publish content that infringes intellectual property, privacy, reputation, the regulations, decorum, or the Code of Conduct.
The platform may delete, hide, restrict, or disable any content it sees as violating, misleading, abusive, indecent, dangerous, infringing on rights, or unsuitable for the nature of the platform.
The platform is not obligated to notify the user before deleting or hiding the violating content.
The user acknowledges that their publishing of content within Būlum grants the platform a non-exclusive, worldwide license, usable for using, storing, copying, displaying, publishing, republishing, promoting, analyzing, excerpting, reformatting, and making the necessary technical modifications within and outside the platform, for the purposes of operating, marketing, developing, improving, documenting, and protecting the platform's rights.
This license does not transfer the ownership of the content from the user to the platform, but grants the platform the right to use the content to the extent necessary or appropriate to operate, market, develop the platform, and protect its interests.
The platform may use the content published publicly within the app in marketing campaigns, offers, pages, introductory materials, social platforms, advertisements, reports, or technical improvements, without an obligation to pay additional consideration to the user, unless there is a special written agreement.
The platform may excerpt the content, reformat it, or display it within promotional, introductory, or operational contexts, in a manner not prejudicing the regulations or the fundamental rights.
The user acknowledges that publicly published content may appear to other users, in search results, on the account pages, or in the platform's materials according to the app settings.
The user may not claim from the platform a monetary consideration for using the content they published within the app for lawful operational, marketing, introductory, or development purposes within the scope of this license.
If the user deletes the content or their account, copies, records, traces, or previously used materials may remain within the backups, the records, the marketing materials, the disputes, the analyses, or the statutory requirements.
The platform is not obligated to delete every prior trace of the content if it has been used, published, shared by others, or entered into records, reports, or operational materials before the deletion.
Using the content to move users outside the platform, publish external means of communication, payment links, or invitations to circumvent is prohibited.
If the content includes an advertisement, promotion, or an offer of a service, it must be honest, non-misleading, and consistent with the platform's policies.
The user may not publish content that includes others' personal information without their consent or a statutory justification.
The user may not publish recordings, conversations, images, or clips of other persons without valid consent and in a manner consistent with the regulations.
The user bears any claim, harm, or liability resulting from the content they publish or send.
The platform may, when there is an intellectual-property, privacy, or violation claim, delete the content, restrict it, request documents, or take a measure against the account.
The platform's review or deletion of the content is not a commitment by it to monitor all content or guarantee its freedom from violations.
If the user uses the platform's content, marks, designs, interfaces, or materials without permission, the platform may demand that they cease and claim compensation.
All rights of the trademark, name, logos, designs, interfaces, features, software, and materials belonging to Būlum are owned by or licensed to the platform.
The user may not use the name Būlum, its logo, mark, identity, or interfaces in any external material without the express approval of the platform.
The user may not copy, reproduce, sell, rent, license, or exploit any part of the app, its content, its system, its data, or its design without the platform's approval.
This article is complementary to the Privacy Policy, the Terms of Use, and any intellectual-property policy the platform adopts.

Article 62: Account deletion and the effects of data disappearance

The user may request the deletion or closure of their account per the mechanisms the platform adopts.
Deleting or closing the account does not forfeit any financial, regulatory, or legal obligations that arose before the deletion.
Deleting the account does not forfeit the platform's right to claim compensation, fees, entitlements, set-off, or handling existing reports or objections.
The platform may suspend or defer the deletion of the account if there are existing bookings, suspended entitlements, reports, objections, claims, or official requests.
Deleting the account may lead to the disappearance of some data, content, messages, services, or appointments from the user's interface.
The disappearance of the data from the user's interface does not mean it has been permanently deleted from the records of the platform or its providers.
The platform may retain some data, records, backups, correspondence, or financial transactions for purposes of operation, compliance, accounting, taxes, reports, protecting rights, or enforcing the regulations.
The platform bears no responsibility for the user's loss of access to content, messages, bookings, or records after the account is deleted, closed, or disabled.
If the provider deletes their account, that does not exempt them from bearing any refund, bank chargeback, violation, or claim relating to prior transactions.
If the service seeker deletes their account, that does not exempt them from bearing any amounts, objections, violations, or obligations arising from their prior use.
Account deletion may not be used to escape reports, entitlements, claims, investigations, or violations.
The platform may close, disable, or delete the account from its side upon a violation, danger, an official request, or a valid operational or regulatory reason.
Deleting the account does not give rise to an automatic refund of any fees, amounts, packages, services, verification, or bookings, unless the management decides or the regulations require otherwise.
If the account has financial entitlements, they are handled per this policy and the settlement, set-off, and reports cycles.
If the account's bank data is incomplete or incorrect at the time of deletion, the platform may suspend any transfer until it is corrected or the review is completed.
Some of the user's ratings, records, or operational traces may remain retained or visible to the extent the platform sees necessary to protect the integrity of the ratings, records, or the rights of others.
The platform is not obligated to delete data that must be retained statutorily, operationally, or for accounting, or to protect rights.
If the user requests a copy of their data or its deletion, the request is handled per the Privacy Policy and the applicable regulations.
The platform bears no responsibility for any harm resulting from the user's deletion of their account or their loss of access to services, content, conversations, or appointments.
The continuation of some obligations after deletion is a material condition to protect the financial and operational rights of the platform and the users.

Article 63: The language of the system and the policies

Arabic is the primary adopted language in this policy and in the interpretation of its provisions.
If the platform provides a translation of this policy or any other policy, the translation is for facilitation purposes only, unless the platform expressly adopts it as a binding language.
Upon a conflict between the Arabic text and any translation, the Arabic text prevails.
The financial and regulatory terms in this policy are adopted with the meanings specified for them in the article on definitions.
The user may not interpret the terms contrary to the definitions adopted in this policy.
If a technical, financial, or operational term appears within the app that differs in wording but conveys the same meaning, it is interpreted in a manner consistent with this policy.
The platform may modify the names of the services, statuses, buttons, pages, or sections without this affecting the material financial and regulatory provisions.
If the name of a service, appointment, or feature within the app changes, the provisions relating to it remain in force for the service or feature equivalent to it in nature.
The difference in the technical wording on a screen, button, or notification does not cancel the provisions of this policy.
If an ambiguity appears in any text, it is interpreted in a manner that achieves the protection of the platform and the users and the stability of the financial and operational transactions.
No text may be interpreted in a way that leads to forfeiting the platform's fees, commission, or its right to withhold, set-off, or compensation unless the platform expressly stipulates that.
No text may be interpreted in a way that turns Būlum into a direct provider of the service or a guarantor of its quality.
If a conflict arises between the title and the detailed text of an article, the detailed text prevails.
If a conflict arises between a general article and a special article, the special article prevails within the limits of its subject matter.
If a conflict arises between the provisions of the financial shares and any other text, the article on the governance of financial shares and the interpretation of entitlements prevails.
The platform may issue interpretations, clarifications, or operational instructions complementary to this policy.
Any official interpretation or clarification issued by the platform through its adopted channels is complementary to this policy within the limits of its subject matter.
No reliance may be placed on statements, promises, or unofficial messages from any person whom the platform does not adopt or authorize.
The user acknowledges that the legal texts and policies within the app are the reference, not the impressions, brief explanations, or marketing phrases.
The titles within this policy are used for organizational purposes, and do not restrict the content or scope of the articles.

Article 64: Supporting services, broadcasting, and communications

The platform may make available supporting services, such as messages, chats, voice calls, video calls, broadcasting, notifications, attachments, internal links, and any other communication, support, or organization tools.
The supporting services are subject to the provisions of this policy, the Terms of Use, the Privacy Policy, and any special controls that appear within the app.
The platform does not guarantee the continuity of every supporting service or its availability to all users at all times.
The platform may restrict, suspend, modify, or cancel any supporting service according to operational, technical, regulatory, or security interest.
The platform may condition the use of some supporting services on conditions such as verification, a certain follower count, a good account record, or the absence of material violations or reports.
The user has no right to demand the platform to enable broadcasting, calls, messages, or any feature if it is not available to them per the adopted controls.
The use of the supporting services must be tied to lawful purposes suitable for the nature of the platform.
Using the messages, calls, or broadcasting for abuse, extortion, harassment, threats, publishing violating content, or moving users outside the platform is prohibited.
Using broadcasting, messages, or calls to request external payment or offer external means of communication with the intent to circumvent is prohibited.
The platform may stop the broadcast, chat, or call, or restrict the user, if violating content, abusive conduct, or a danger to the users or the platform appears.
The platform is not responsible for everything issued by the users during the broadcast, messages, or calls.
The user remains responsible for their statements, actions, and content while using the supporting services.
The platform is not obligated to record the calls or the broadcast or retain them, unless it expressly adopts that or does it technically.
If the call or broadcast is not recorded, the user has no right to demand the platform to provide a recording that does not exist.
The platform may use technical indicators or records for the supporting services, such as the duration of the call, the start time, the number of participants, or the connection status, as operational evidence.
The malfunction of a supporting service does not give rise to an automatic refund unless the malfunction materially affects a paid service and the management decides that.
If the malfunction is attributable to the user's device, network, or settings, the platform does not bear its consequence.
The platform may add fees, packages, or conditions for using some supporting services, broadcasting, or special-access tools.
The user may not resell, rent, or enable others to use their features, supporting services, or account.
This article is complementary to all the articles relating to communication, reports, the prevention of circumvention, data retention, and service quality.

Article 65: Value-added tax and statutory fees

Transactions within Būlum are subject to the tax and financial regulations in force in the Kingdom of Saudi Arabia or any statutory scope to which the transaction is subject as the case may be.
The platform may begin or continue displaying prices without adding a visible value-added tax to the user whenever that is consistent with its statutory and tax position, the applicable regulations, and the management's decisions.
If value-added tax or any tax or statutory fee becomes applicable, or the platform decides to add it, display it, or collect it, the platform may do so at any time.
Value-added tax or the statutory fees may appear as an independent item on the payment screen, or may be within the price, or may be processed upon invoicing or settlement, per what the platform adopts and what the regulations permit.
The user may not object to the addition of the tax or the statutory fees whenever they are applied, displayed, or updated per the platform's policy or the regulations.
The platform may update the prices, fees, shares, or the method of displaying the tax, or the method of its calculation, collection, or remittance, per the regulations or the requirements of the competent authorities or the payment providers.
If a tax or statutory fee is added, it may be borne by the service seeker, deducted from the amount, or processed within the price or the settlement, per what appears within the app or what the platform decides.
Value-added tax or the statutory fees, when independent, are not included within the provider's net entitlement unless the platform decides otherwise or the regulations require it.
Value-added tax or the statutory fees, when independent, are not included within the platform's commission or the booking fee except per the adopted method of calculation.
If the provider is subject to tax, registered for value-added tax, or has independent tax obligations, they alone bear responsibility for complying with those obligations unless the platform is expressly responsible for a particular procedure.
The provider undertakes to provide the platform with any tax data, invoices, registration numbers, or documents the management requests or the regulations require.
If the provider does not provide the platform with the required tax data, the platform may suspend the settlement or take the appropriate measure.
The platform bears no responsibility for the tax declarations, income obligations, zakat, tax, or invoices specific to the provider except within the limits the regulations expressly impose on it.
The platform may issue or provide invoices, receipts, transaction summaries, or financial reports in the form it adopts or the regulations require.
The user may not demand the platform to issue an invoice in a form or with data that is incorrect or contrary to reality or the regulations.
If the tax regulations, invoicing, integration, or disclosure requirements change, the platform may amend the policy, procedures, prices, and fees without the need for independent consent from the user.
Any amounts, fees, or taxes imposed by the competent authorities, the banks, or the payment providers may be deducted or charged to the party the platform decides as the case may be.
If an amount is refunded to the service seeker, some taxes, fees, or payment costs may not be refunded whenever their recovery is impossible or the regulations or the payment provider do not permit their refund.
The user acknowledges that the tax and the statutory fees may change over time, and that the platform has the right to modify the method of their application and display consistent with the regulations and the operational interest.
This article governs everything relating to value-added tax, statutory fees, invoicing, or tax processing within Būlum.

Article 66: Supplementary closing provisions

This policy is complete and complementary to the rest of Būlum's documents, and may not be interpreted in isolation from the Terms of Use, the Service Provider Agreement, the Privacy Policy, and the Code of Conduct.
If there is a special provision in the Service Provider Agreement relating to the provider, it is applied within the limits of its subject matter in a manner not conflicting with this policy.
If there is a special provision in the Terms of Use relating to all users, it is applied within the limits of its subject matter in a manner not conflicting with the governing financial shares in this policy.
If there is a conflict between the Privacy Policy and this policy in a financial or operational matter, the two texts are interpreted in a manner that achieves data protection, operational safety, and the financial rights of the platform and the users.
The user may not invoke any operational, technical, or interface gap to forfeit a financial or regulatory obligation established in this policy.
Any case on which no express text is stated is subject to the management's discretion per the spirit of this policy, its objectives, the protection of the platform and the users, and the applicable regulations.
The platform may issue operational, financial, or technical instructions complementary to this policy when needed.
The complementary operational instructions are not a material amendment requiring independent consent whenever they are within the framework of this policy.
The user may not use any technical, operational, or financial loophole to achieve an undue benefit or forfeit a right of the platform or another party.
If the user obtains an amount, refund, benefit, service, visibility, or entitlement by error, the platform may correct the error and claim the return of what they are not entitled to.
If the platform deducts an amount by error, it may correct the error per its records and settlement cycles.
The platform is not obligated to pay any interest, profits, or compensation for amounts suspended, withheld, under review, or corrected.
The user may not sell, transfer, or rent their account, services, bookings, or entitlements without the platform's approval.
Any use of the account by another party is at the responsibility of the account owner, unless a hacking or a reason beyond their will that the management accepts is established.
Multiple accounts may not be created to circumvent the ratings, restrictions, blocking, entitlements, reports, or fees.
If the use of an alternative or associated account to circumvent is established, the platform may suspend all the associated accounts and withhold the entitlements.
The platform may modify the order, numbering, or titles of the articles, or merge or separate sub-policies, without this affecting the substance of the rights and obligations.
What matters in the adopted version of the policy is the version published, retained, or adopted by the platform at the time of the transaction or dispute, taking into account the subsequent updates whenever they are necessary for handling.
The user may not claim the existence of a promise, exception, or exemption unless it is written, express, and adopted by the platform.
Any exception the platform grants in a particular case is not a general rule and does not obligate it to repeat it in other cases.
If the platform fails to apply a particular provision at a particular time, that is not a waiver of its right to apply it later.
All the rights established for the platform in this policy are cumulative, and none of them limits the other.
This policy may not be interpreted against the platform merely because it prepared it; rather, it is interpreted in a manner that achieves its purpose of organizing the market and protecting rights.
The user acknowledges that their use of the platform is based on accepting these provisions as a material condition for benefiting from the app.
This policy is effective from the date of its adoption, publication, or making it available within the app, and remains effective until it is updated or replaced by a subsequent policy.

Article 67: Governance of the financial shares and the interpretation of entitlements

The Būlum platform, in the adopted financial model, adopts the following division of the value of the paid service, appointment, or trip: 62% for the provider, 28% operational commission for the platform, and 10% booking fee or service fee for the platform.
The total of the financial shares in the adopted model equals 100% of the value of the service.
There is no 65% share for the provider in the adopted financial model.
There is no independent 35% share for the platform in the adopted financial model.
The 10% booking fee or service fee is not added above the value of the service in the adopted financial model.
The 10% booking fee or service fee is not added above the platform's operational commission in a way that leads to a total of 110%.
The platform's total share in the adopted financial model is 38% of the value of the service, distributed as a 28% operational commission and a 10% booking fee or service fee.
The provider's net entitlement in the adopted financial model is 62% of the value of the service, and does not become finally due except after the conditions of entitlement stipulated in this policy are met.
If the value of the service is 100 riyals, the internal division in the adopted financial model is: 62 riyals for the provider, 28 riyals operational commission for the platform, and 10 riyals booking fee or service fee for the platform.
The example in the preceding paragraph is an illustrative example, and does not include any tax, statutory fee, payment-provider fees, bank fees, deductions, refunds, objections, or set-off that may apply as the case may be.
If a value-added tax or an independent statutory fee appears on the payment screen, it is treated per the article on value-added tax and statutory fees and does not prejudice the internal division of the value of the service unless the platform decides otherwise expressly.
If the tax or the statutory fees are within the price or within a particular display method, the handling adopted by the platform per the regulations and the payment and invoicing policy applies.
If any prior or subsequent text, notice, description, draft, or unadopted wording indicates otherwise than these shares, this article is the governing reference.
If the platform uses phrases such as service fee, booking fee, platform fees, platform commission, or platform share, they are interpreted per this division unless an express special text appears.
The provider may not claim from the platform a share higher than 62% based on a misunderstanding, a prior version, a conversation, or an unadopted draft.
The service seeker may not claim that the booking fee or service fee was added above the price merely because there is an internal division between the platform and the provider, whenever the price displayed to them is the price they paid.
The platform may modify these shares in the future as it sees fit and with what users are notified of through the app, the policies, the payment screen, or any official channel.
Any subsequent modification of the shares does not apply retroactively to completed transactions unless it is necessary to correct an error, handle a report, comply, or per what the regulations and policies permit.
No subsequent modification may be interpreted as an acknowledgment of the incorrectness of the prior shares adopted at the time they were in effect.
If a provider, service, auction, package, account, or special agreement has a different share that is written and adopted by the platform, the special share applies within the limits of its subject matter, while this policy remains in force for the rest of the provisions.
Refunds, bank chargebacks, deductions, set-off, or statutory fees are not included within the re-interpretation of the shares; rather, they are handled as subsequent financial effects on the entitlement.
If the full value of the service is refunded to the service seeker because of a shortcoming of the provider, the provider may not be entitled to any amount, and the platform may charge them with the fees, costs, or compensation per this policy.
If part of the value of the service is refunded, the management determines the effect of that on the provider's share, the platform's share, and the booking fee according to the reason for the refund and the nature of the transaction.
The provider is not entitled to any amount from the 10% booking fee or service fee, because it is allocated to the platform within its total share.
The provider is not entitled to any amount from the 28% platform operational commission, because it is allocated to the platform in return for operation, management, the technical infrastructure, booking, payment, documentation, and settlement.
The platform's total share does not mean it is responsible for executing the service or a guarantor of it; rather, it is a consideration for its technical, operational, regulatory, and commercial role.
The provider's share does not mean they are an employee of the platform, its agent, or a partner in it; rather, they are an independent user offering their services through the platform.
In the event of a technical error in displaying the share, calculating it, or its appearance in the account dashboard or an internal screen, the platform may correct the error per this article.
If an amount contrary to these shares is transferred by error, the platform may correct the settlement, deduct the difference, or claim its return.
This article is the final and governing reference in interpreting the financial shares and the entitlements between Būlum, the providers, and the service seekers, and prevails over any general text, draft, understanding, or interpretation contrary to it.

Adoption conclusion

This policy was prepared to be a financial and regulatory document governing the operations of the Būlum app, and a primary reference in booking, payment, execution, refunds, settlements, reports, objections, and violations.
Every user acknowledges that their use of the app after this policy is made available, published, or they are notified of it is a full and binding acceptance of it.
Būlum retains all its financial, regulatory, technical, and commercial rights, and no permission, exception, or delay in applying any of its rights is deemed a waiver of that right.
This version is the governing adopted financial and regulatory version until the platform updates it or replaces it with a subsequent policy.

Būlum Financial & Regulatory Policy

Article 1: Preamble, scope, and the binding nature of the policy

Article 2: Financial and regulatory definitions

Article 3: The nature of Būlum's financial and regulatory role

Article 4: Types of services and appointments within Būlum

Article 5: Free services and appointments

Article 6: The financial flow for non-scheduled services

Article 7: Appointments with instant payment and direct acceptance

Article 8: The full-day meeting and the travel trip

Article 9: The payment deadline after accepting the meeting or trip

Article 10: Expiry of unconfirmed requests

Article 11: The travel trip and its types

Article 12: Executing the trip with any number of bookings

Article 13: What the trip price includes

Article 14: Companions in trips and meetings

Article 15: Minors and persons of limited capacity

Article 16: Opening communication within the app

Article 17: Starting the service

Article 18: The start or attendance code

Article 19: Ending the service and the end code

Article 20: The objection window

Article 21: Reports

Article 22: Cancellation after booking per the adopted mechanisms

Article 23: The cancellation policy before the service appointment

Article 24: The provider's non-attendance

Article 25: The service seeker's non-attendance

Article 26: Delay in starting the service

Article 27: Payment and collection

Article 28: The booking fee or service fee

Article 29: The platform's operational commission

Article 30: The provider's net entitlement

Article 31: Conditions for the provider's entitlement to the amount

Article 32: The provider's bank data

Article 33: Settlements and transfers

Article 34: Refunds to the service seeker

Article 35: Administrative refunds and refunds via the adopted financial channels

Article 36: No internal wallet

Article 37: Bank chargebacks

Article 38: Withholding entitlements and set-off

Article 39: Prohibition of external payment

Article 40: Prohibition of external communication

Article 41: Liquidated damages for circumvention

Article 42: Service quality and results

Article 43: Professional services and licenses

Article 44: Prohibited services and activities

Article 45: Retention of data, conversations, and records

Article 46: System records as operational evidence

Article 47: Notifications

Article 48: Ratings

Article 49: Financial and regulatory penalties

Article 50: Cases of forfeiting the provider's entitlements

Article 51: Force majeure and technical failures

Article 52: The service seeker's financial responsibility

Article 53: The provider's financial responsibility

Article 54: The limits of Būlum's liability

Article 55: Updates and amendments

Article 56: Governing law and jurisdiction

Article 57: The user's final acknowledgment

Article 58: Official contact details

Article 59: Verification and account packages

Article 60: Auctions, competitions, and special access mechanisms

Article 61: Content, posts, and the rights associated with them

Article 62: Account deletion and the effects of data disappearance

Article 63: The language of the system and the policies

Article 64: Supporting services, broadcasting, and communications

Article 65: Value-added tax and statutory fees

Article 66: Supplementary closing provisions

Article 67: Governance of the financial shares and the interpretation of entitlements

Adoption conclusion