Terms and Conditions

Access through different devices and applications

These Terms and Conditions apply to all users of the Website, regardless of the device, mobile device, channel, application, or platform you use to access it. We are not responsible for any limitations, restrictions, or technical issues that may arise from accessing the Website via devices, mobile devices, channels, applications, or other platforms, including but not limited to compatibility, connectivity, or display issues.

Unlawful use of the Website

As a condition of your use of the Website, you warrant to us that you will not use the Website:

• for any purpose that is unlawful or prohibited by these Terms and Conditions and applicable law;
• in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website;
• to obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website;
• to knowingly introduce viruses, malware, spyware or other material which is malicious or harmful to the Website; or
• to establish a link to the Website in such a manner as to imply or expressly state any form of association, endorsement or approval given by us without our prior written consent (which we may withhold and withdraw in our absolute discretion).

Any attempt to do so, or unauthorised use of the Website, may result in your IP address being reported to the local authorities and your access to the Website being prohibited.

Contents

All content, trademarks, service marks, trade names, logos, domain names, designs, text, graphics, software, and other materials displayed on or accessible through the Website (the "Contents") are our exclusive proprietary intellectual property, our affiliates, or third-party licensors, and are protected by applicable intellectual property laws, including copyright, trademark, and other proprietary rights.

Except as expressly permitted in writing by us (noting such permission can be withheld and withdrawn at any time in our absolute discretion), you may not copy, reproduce, republish, upload, post, transmit, distribute, or modify any part of the Contents. Nothing in these Terms and Conditions shall be construed as granting any license or right to use any trade name (including, without limitation, our tradename, trademark, logo, or service mark displayed on the Website) without our prior written permission.

Unauthorised reproduction or use of any of the Contents is strictly prohibited.

User-generated content

We do not wish to receive confidential or proprietary information from you through the Website. Any information or material sent to us via the Website will be deemed to be non-confidential and non-proprietary.

By submitting, posting, or uploading any content to the Website, including but not limited to comments, feedback, suggestions, images, videos, or other materials ("User Content"), you grant us and our affiliates a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display such User Content in any media or format, now known or later developed.

You represent and warrant that you own or have the necessary rights to submit the User Content and that such content does not infringe or violate the rights of any third party, including intellectual property, privacy, or publicity rights. We reserve the right, but not the obligation, to monitor, edit, or remove any User Content at its sole discretion.

You acknowledge that any User Content you submit may be publicly accessible and that you are solely responsible for such content.

You further acknowledge and agree that neither us nor any of our affiliates shall have any liability for any use or misuse of User Content by third parties, including any reproduction, distribution, or display of such content outside the Website.

You further acknowledge and agree that neither us nor any of our affiliates shall have any liability to you or any third party for any of the User Content.

Use of user content

User Content made available to you on the Website is provided by individual users and does not reflect our views or opinions nor any of our affiliates. Neither us nor any of our affiliates endorse, verify, or guarantee the accuracy, completeness, reliability, legality, or safety of any user-generated content, and expressly disclaim any and all liability arising from or related to such content.

Access to or use of User Content by you or third parties shall not be construed as any representation or warranty by us or any of our affiliates that such content is free from errors, infringements, or other legal risks. Neither us nor any of our affiliates shall be liable for any loss, damage, or harm resulting from reliance on, use of, or exposure to any User Content, whether by users or third parties.

Users and third parties accessing User Content do so at their own risk and are solely responsible for evaluating its suitability for their purposes.

User account registration

If any of the services on the Website require you to open an account, you must complete the registration process by providing us with current, complete, and accurate information as requested. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We will not be liable for any loss or damage arising from your failure to comply with these obligations or from unauthorized use of your account or password, whether with or without your knowledge. You may be held liable for losses incurred by us or any other party due to someone else using your account or password.

Electronic records and signatures

You agree that electronic records and electronic signatures that meet applicable UAE law requirements will not be denied legal effect solely because they are in electronic form. Where a qualified or approved trust service is required, it will be performed via UAE PASS or a trust service provider licensed by the UAE Telecommunications and Digital Government Regulatory Authority (TDRA) in accordance with Federal Decree Law 46/2021 on Electronic Transactions & Trust Services.

Third party websites

The Website may, from time to time, contain links to and from third-party websites. These links are provided solely for your convenience and informational purposes. The inclusion of any link does not constitute, and should not be interpreted as, any endorsement, approval, or recommendation by us of the third-party website, its content, or its operators, nor does it imply any formal association, partnership, or relationship of any kind between us and the operators of such third-party websites.

If you follow a link to any of these websites, please note that these websites may have their own privacy policies and terms and conditions, and we do not accept any responsibility or liability for these policies, terms, or the content, accuracy, legality, or appropriateness of any material contained on such third-party websites. You are solely responsible for reviewing and complying with the applicable terms and policies of any third-party website before submitting any personal data or engaging in any activity on those websites.

Third parties (including, for example, advertising networks and providers of external services like Google Analytics) may use cookies which are downloaded when you visit our site. These cookies are likely to be analytical, performance, or targeting cookies. We have no control over the use of cookies or other tracking technologies by third-party websites and disclaims any responsibility or liability for any loss or damage that may arise from your use of them.

These third-party websites are not under our control, and we are not responsible for their contents. We are providing these links to you only as a convenience, and the inclusion of any link does not imply our endorsement, or any of our affiliates, of these sites or any association with their operators.

Chatbot use and communications

The Website may feature an automated chatbot or virtual assistant to assist users with general inquiries and navigation. By interacting with the chatbot, you acknowledge and agree to the following:

• The chatbot is an automated tool and does not constitute human interaction. Responses provided by the chatbot are for general informational purposes only and do not constitute legal, financial, or other professional advice, nor do they create any binding obligations on us or our affiliates;
• You should not submit confidential, sensitive, or personal information via the chatbot. We disclaim any liability for the unauthorized disclosure of information submitted through the chatbot;
• We make no representations or warranties regarding the accuracy, completeness, or reliability of information provided by the chatbot. Any reliance on such information is at your own risk;
• Communications with the chatbot do not constitute notice to, or a binding agreement with, us or any of our departments or affiliates; and
• We reserve the right to monitor, record, and retain chatbot interactions for quality assurance, training, and security purposes, in accordance with applicable laws.

Speaker mode and accessibility tools

The Website may offer a speaker mode or text-to-speech functionality to enhance accessibility for people of determination. This feature is provided for general informational purposes only and is intended to assist users with visual impairments or other disabilities in accessing Website content. We do not guarantee the accuracy, completeness, or reliability of the audio output generated by speaker mode. Users are solely responsible for verifying any information read aloud and for ensuring that confidential or sensitive information is not disclosed inappropriately. The use of speaker mode does not grant any rights to the Website's content beyond personal, non-commercial use. All content remains our intellectual property or our licensors. We disclaim any liability for errors, omissions, or misinterpretations resulting from the use of speaker mode, and for any technical limitations or incompatibilities that may affect its operation.

Disclaimer

The Contents and the User Contents are provided by us for general information purposes only and do not constitute, and should not be construed as, legal, financial, investment, tax, or other professional advice or a recommendation to buy, sell, or hold any investment instrument or to engage in any transaction. We make no representation, warranty, or undertaking, express or implied, as to the accuracy, reliability, completeness, timeliness, or suitability of the information contained in any of the Contents and the User Contents and expressly disclaims any and all liability for any errors or omissions in the Contents and the User Contents. The Contents and the User Contents may be subject to change without notice. Any reliance you place on the Contents and the User Contents is strictly at your own risk, and you are solely responsible for obtaining appropriate professional advice before making any decision or taking any action based on the Contents and the User Contents.

Liability

We, our affiliates, and their respective directors, officers, and employees accept no liability for any losses or damages, including without limitation any direct, indirect, incidental, special, punitive, or consequential damages (including lost profits), incurred or suffered as a result of the use of, or reliance upon, any information contained in the Contents or User Content. This includes, but is not limited to, any loss or damage caused by viruses, denial-of-service attacks, or other technologically harmful material that may infect your computer equipment, programs, data, or other proprietary material due to your use of the Website.

Any statements or terms in the Contents or User Content describing our relationship with third parties do not, and should not be construed to, establish any legal relationship, fiduciary duty, responsibility, or liability between us, our affiliates, and such third parties, nor for the actions of such third parties.

We do not guarantee that the Website will be secure or free from bugs or viruses. The use of the Website, including any communications sent to or received from us, our affiliates, or their respective directors, officers, employees, or representatives via email or through the Website, does not constitute or create any binding agreement, contract, undertaking, or representation by us or our affiliates. No content on the Website or in any such communications shall be interpreted as a legally binding offer, acceptance, or assurance, unless expressly set out in a formal written agreement signed by our duly authorized representatives or our relevant affiliate.

We, our affiliates, and their respective directors, officers, and employees expressly disclaim all warranties, including without limitation all warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability, and fitness for a particular purpose, with respect to the Contents and the User Content.

E-payments

Where offered, the Website may feature e-payment and related services in line with applicable UAE law. Fees are payable in AED using the methods shown at checkout. Card/payment details are processed by an approved payment gateway and are not stored or accessible by us. On successful payment, an electronic receipt will be issued to your provided contact. Eligible refunds, where permitted by service-specific rules, will be processed to the original payment method within a reasonable period following approval, subject to applicable verification and service requirements. Availability of e-payment services may be interrupted, and we are not responsible for delays or errors caused by banks, payment processors, or telecom providers.

Changes to our Terms and Conditions

We may, at our sole discretion, amend these Terms and Conditions with immediate effect and without notice. Any changes will be effective immediately upon posting on the Website. By continuing to visit the Website, you are accepting and agreeing to the amended Terms and Conditions.

Termination or access restrictions

We reserve the right, in its sole discretion, to terminate or restrict your access to the Website, or any section thereof, at any time and without notice.

Assignment

We may assign, transfer, or subcontract any of its rights and obligations under these Terms and Conditions without notice to you. You may not assign, transfer, or subcontract any of your rights or obligations under these Terms and Conditions.

Applicable law and jurisdiction

These Terms and Conditions, its subject matter and its formation and any non-contractual obligations arising out of, or in connection with it, shall be governed by the laws of the United Arab Emirates as applied in the Emirate of Ras Al Khaimah. The Courts of Ras Al Khaimah shall have exclusive jurisdiction to settle any dispute, claim, difference or controversy arising out of, relating to or having any connection with these Terms and Conditions and your access to the Website (and any non-contractual obligations arising out of or in connection with it) (a "Dispute"). By accessing the Website, you acknowledge and agree that the Courts of Ras Al Khaimah are the most appropriate and convenient courts to settle any Dispute and accordingly you waive any objection to the Courts of Ras Al Khaimah on the grounds that they are an inconvenient or inappropriate forum to settle any Dispute.

Notices and contact information

Any notifications, questions related to the Website, spam/privacy issues, or technical queries should be sent to info@finance.rak.ae, including your contact details and a detailed description of your query.