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The Portal is available subject to the Terms and Conditions governing the use of the Portal and such services may be withdrawn or amended at any time without notice. You are required to abide by the terms for access to the Portal. By accessing the Portal you indicate your acknowledgement and acceptance of the Terms and Conditions. If you do not accept the Terms and Conditions relating to the Portal, do not access and use the Portal. makes no representation or warranty of any kind, express, implied or statutory regarding the Portal or the materials and information contained or referred to on each page of the Portal. accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, in reliance on material or information contained on the Portal. In particular, no warranty is given that the information, material or data is accurate, reliable or up to date. The data and information do not constitute specific advice but are for information purposes only. accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of the Portal, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with the Portal, its Contents or associated services, or due to any unavailability of the Portal or any part thereof or any Contents or associated services. does not warrant that the Portal, any online tools, software, information, Content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality. Any hyperlinks from the Portal exist for convenience only. accepts no liability for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such links or loss arising directly or indirectly from defects with such links. The sources of data in many cases is not , therefore such data may not be accurate. We expressly disclaim all express and implied warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy. While we take all reasonable precautions to prevent this, we do not warrant that the Portal or any software is free of viruses or destructive code. ’s inclusion of hyperlinks does not imply any endorsement of the material on such sites. does not guarantee that any e-mail from the Portal will be sent to you or received by nor does warrant the privacy and/or security of e-mails during Internet transmission. The Internet connection may not be a secure form of transmitting data.

Not all the services described in the Portal are available in all geographical areas. You may not be eligible for all the services described. Eligibility for any such services will be at the discretion of and subject to applicable criteria and ’s Terms and Conditions. All Contents of the Portal including, but not limited to the text, graphics, links and sounds are the copyright of and may not be copied, downloaded, distributed or published in any way without the prior written consent of does not guarantee the safety of any transaction on the Portal nor does warrant the privacy and/or security of transactions during Internet transmission. The Internet connection may not be a secure form of transmitting data and executing financial transactions. Without derogating from the generality of the above, will not be liable for: •any interruption, malfunction, downtime or other failure of the Portal or online services, our systems, databases or any of its components, for whatever reason; •any loss or damage arising from your orders, decisions, purchases or disposal of goods and services, including but not limited to financial instruments, from third parties, based on the information provided on the Portal; •any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third-party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third-party systems; programming defects or negligence on our part; •any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third-party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities; any event over which we have no control.

The Portal complies with the prevailing laws of the UAE, as applicable. controls and maintains the Portal from the UAE and makes no representation that the material and information contained is appropriate or available for use in other locations/jurisdictions. The law of the UAE governs the Portal and any dispute shall be subject to the exclusive jurisdiction of the Courts in the emirate of Dubai.

Exclusions and limitations of liability

All information and/or data on the Portal is provided on an "as is" basis. No representations, warranties or terms of any kind are made in respect of the Portal or the Content. The information and/or data on the Portal is provided by us and our data providers for your general information only and use and is not intended for trading purposes or to address your particular financial or other requirements. In particular, the information and/or data on the Portal: •does not constitute any form of advice (investment, tax, legal or otherwise); and • does not constitute any inducement, invitation or recommendation relating to any of the products listed or referred to in the Portal; and •is not intended to be relied upon by you in making (or refraining to make) any specific investment or other decisions.


Neither nor any of its data providers or affiliates gives any warranty or guarantee relating to availability of the Portal or that the Portal and/or our operation of it, the Content or the server that makes the Portal available are error or virus free or free of other harmful components or that your use of the Portal and/or the Content will be uninterrupted. You agree that , its directors, employees, agents or other representatives, data providers or affiliates will not be responsible or liable (whether in contract, tort or otherwise), under any circumstances for any amount or kind of loss or damage (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any anticipated loss of profit, loss of profit, loss of opportunity, loss of data, costs and fines and/or any special or incidental damages of any kind) that may result to you or a third party arising from or connected in any way to: •interruption of business; or •access or other delays, terminations, suspensions, denials or access interruptions to the Portal; or •data non-delivery, data corruption, destruction of data or other modification of data; or •third party website links on the Portal; or •reliance on the information contained on the Portal; or •computer viruses, system failures or malfunctions which may occur in connection with your use of the Portal; or •any inaccuracies, omissions or misleading, false or deceptive statement in the Content; or •events beyond our reasonable control. You will indemnify and will keep indemnified and its data providers and affiliates on demand against all claims, costs, proceedings, demands, losses, damages, expenses (including legal expenses) or liability whatsoever arising directly or indirectly as a result of: •any breach of these Terms and Conditions by you; or •your fault, negligence or breach of statutory duty; or •your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or load on our infrastructure (whether owned by, leased or licensed to us) or that of any of our suppliers. We may also use the personal information you provide or which we collect via this Portal for the purposes of: •providing you with services which you have requested and notifying you about important changes or developments to these services; •updating our records that relate to you; •crime detection, prevention and prosecution; •responding to your inquiries and complaints or to process your requests in relation to your information; •administering offers, competitions and other promotions; •evaluating the effectiveness of our marketing and for research, training and statistical analysis with the aim of improving our services; and •making the Portal easier for you to use and providing you with access to certain parts of the Portal.

We may also contact you about Third Party Products and Services available from , and from selected companies outside the group of companies, which we believe may interest you or benefit you. We may do this by post or by phone unless you have told us not to; and by email, text or other electronic means if you have told us that we can or as otherwise allowed by law. You may tell us at any time if you change your mind.

Our Portal may contain links and banner advertisements to third party websites which are outside our control and not covered by this Privacy Policy. If you access any third party websites using the links provided, the operators of these third party websites may collect information from you which will be used by them in accordance with their privacy policies, which may differ from ours. We do not accept any responsibility for any such third party websites, including without limitation for their accuracy, security, the products or services which they offer or for any information which is collected through them. You are responsible for reviewing and abiding by the privacy policies and terms and conditions of any such third party websites.

We may monitor, record, store and use any telephone, email or other communications we have with you for training purposes, so that we can check any instructions given to us, for crime prevention and to improve the quality of our customer service. By using the Portal you consent to us using your personal information for the purposes described above. Please note that we do not store your credit card number in our database. Online credit card transactions are conducted through a secure payment gateway hosted on a Secure Sockets Layer (SSL) enabled and trusted site.

We may run your accounts and provide other services from centers outside the UAE that do not have the same standard of data protection laws as the UAE. You are responsible for informing us that your personal details have changed: for example, a change of address or to your title. You can do this by logging onto and visiting your personal account page on the Portal, by email, letter or fax.