Terms of Service

1. What Watheq Does

Watheq is a digital documentation tool. Its sole purpose is to facilitate the digital recording of personal loans between individuals, helping build trust within communities. By using the app, you agree to these terms.

2. Nature of Service

Watheq is NOT a financial institution, bank, payment processor, or lender. We do not move money, enforce debt collection, or mediate disputes. We provide only a platform to document loan agreements digitally.

3. Limitation of Liability

Watheq and its developers are fully and explicitly absolved of any and all responsibility for financial losses, unpaid debts, missed repayments, or disputes between users. The sole responsibility rests entirely with the parties involved in the agreement. Watheq's only role is facilitating digital documentation.

4. User Responsibilities

• You are solely responsible for the accuracy of the information you enter.
• You agree not to use the App for illegal lending practices, usury, or fraud.
• You are responsible for the security of your account credentials.

5. Prohibition of Usury (Riba)

Watheq is designed strictly for interest-free loan documentation. Using this platform to document interest-bearing loans or any form of predatory lending is strictly prohibited.

6. Disputes

Watheq plays no role in resolving disputes between users. All enforcement and dispute resolution are solely subject to the local laws and courts of the users' jurisdiction.