TERMS AND CONDITIONS

This website Finmaal.com (the Website) is owned and provided by FINMAAL DMCC, a limited liability company incorporated in Dubai Multi Commodities Centre, Dubai, United Arab Emirates with license number DMCC - 507881 and registered address at Unit No: 270, Level No 5, Jewellery & Gemplex 2, DMCC Business Centre, Dubai, United Arab Emirates and licensed to conduct the activities of e-Marketplace Service Provider (the Company ). FINMAAL is the trading name of the Company.

The Website compares the price and key features of a range of products and services, which may include financial, investment and insurance products (Regulated Products), and operates as a portal through which you (the User) may purchase such products. In order to comply with the applicable laws and regulations of the United Arab Emirates, specific pages of this Website are operated under license by regulated entities that are authorised to act as intermediary in respect of the specific Regulated Products. Where this is the case, additional terms and conditions will apply. The Company is not regulated by the UAE Central Bank, Insurance Authority or the Securities & Commodities Authority to act as an intermediary or to provide advice in relation to Regulated Products.

IMPORTANT LEGAL NOTICE

ATTENTION: This legal notice applies to the entire contents of the Website under the domain name www.finmaal.com and to any correspondence by e-mail between the Company / its licensees and the User. Please read these terms carefully before using the Website. Using the Website indicates that the User accept these terms and the privacy policy regardless of whether or not the User chooses to register to obtain a quotation for a product or service. If the User does not accept these terms, the User should not use the Website. This notice is issued by the Company.

These General Terms and Conditions were last updated on 30 April 2019.

Introduction

1.1 Certain areas of the Website are only open to the User if the User registers with the Company by providing the User's email, name and nick name.

1.2 By accessing any part of the Website, the User shall be deemed to have accepted the terms and conditions set out in this legal notice. If the User does not accept these terms and conditions, the User should leave the Website immediately. If the User is under the age of 18 or otherwise does not have the capacity to accept these terms and conditions, the User must leave the Website immediately.

1.3 The Company may change these terms and conditions from time to time. The Company will give the User notice of any changes by posting those changes on the Website. The Company will not vary any terms and conditions which the User has previously agreed in connection with the prior purchase or any product or service offered. However, any amended terms and conditions will apply to the User's use of this Website from the date they are posted and if the User does not agree with the amended terms and conditions, the User should cease using this Website at that time. Certain provisions of these terms and conditions may be amended, varied, superseded or supplemented by expressly designated legal notices or terms and conditions located on particular pages of the Website.

1.4 The User is permitted to print and download extracts from the Website on the following basis:

a) no documents or related graphics on the Website are modified in any way;

b) no graphics on the Website are used separately from the corresponding text; and

c) the Company's copyright and trade mark notices and this permission notice appear in all copies.

1.5 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of these terms and conditions, any use of extracts from the Website other than in accordance with clause 1.4 for any purpose is prohibited. If the User breaches any of the terms and conditions, the User's permission to use the Website automatically terminates and the User must immediately destroy any downloaded or printed extracts from the Website.

1.6 Subject to clause 1.4, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission.

1.7 Any rights not expressly granted in these terms are reserved.

Service access

1.8 While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.

1.9 Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company's control.

Visitor material and conduct

1.10 Other than personally identifiable information, which is covered under the Privacy Policy, any material the User transmits or posts to the Website shall be considered non-confidential and non-proprietary. To the fullest extent permitted by law, the Company shall have no obligations with respect to such material. The Website and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

1.11 The User is prohibited from posting or transmitting to or from the Website any material:

a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

b) for which the User has not obtained all necessary licenses and/or approvals; or

c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

1.12 The User may not misuse the Website (including, without limitation, by hacking).

1.13 The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 1.11 or clause 1.12. The Company may also issue a warning, temporarily suspend, permanently suspend or terminate the User's right to use the Website in the event that the User: (i) breaches any of these terms and conditions or any of the designated legal notices or terms and conditions located on particular pages of the Website; (ii) infringes or violates or attempt to infringe or violate any rights of any other user(s) of this Website and/or third parties in connection with this Website.

Links to and from other websites

1.14 Links to third party websites on the Website are provided solely for the User's convenience. If the User uses these links, the User leaves the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If the User decides to access any of the third party websites linked to the Website, it does so entirely at its own risk.

1.15 If the User would like to link to the Website, it may only do so on the basis that it links to, but does not replicate, the home page of the Website, and subject to the following conditions:

a) the User does not remove, distort or otherwise alter the size or appearance of the www.finmaal.com logo;

b) the User does not create a frame or any other browser or border environment around the Website;

c) the User does not in any way imply that the Website is endorsing any products or services other than its own;

d) the User does not misrepresent its relationship with the Company nor present any other false information about the Company;

e) the User does not otherwise use any trade marks displayed on the Website without express written permission from the Company;

f) the User does not link from a website that is not owned by the User; and

g) the User's website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

1.16 The Company expressly reserves the right to revoke the right granted in clause 1.15 for breach of these terms and to take any action it deems appropriate.

1.17 The User shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of clause 1.15.

Registration

1.18 Each registration is for a single User only. The Company does not permit the User to share its name and nickname with any other person nor with multiple Users on a network.

1.19 Responsibility for the security of any passwords issued rests with the User.

Disclaimer

1.20 While the Company endeavors to ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website. The Company may make changes to the material on the Website, or to the products and services and any other features described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.

1.21 The Company has provided this Website for informational purposes only and to act as a channel of communication with providers of products and services. The Website enables the User to:

a) obtain quotations for products and services from a range of providers;

b) compare the key features and prices of products and services; and

c) obtain information about the providers the products and services.

The User should make its own purchasing decisions in respect of a product or service, based on the factual information provided on the Website. The content of this Website is not intended to constitute and should not be construed as insurance, investment and/or financial advice or a personal recommendation or endorsement as to the suitability of a product or service for the User's specific needs or circumstances. Any decision to purchase a product or service is the User's sole responsibility. Should the User require advice in relation to the suitability of a specific product or service the User should seek the advice of a specialist insurance broker, financial advisor or investment advisor that is licensed to conduct business in the United Arab Emirates.

The Company will not be liable for any loss, damages, claims, penalties and/or expenses arising from, or in connection with, any products or services for which quotations are available on this Website.

The information contained in this Website is public and was obtained from printed material, websites and other sources made available by banks, insurers and other institutions.

The Company cannot guarantee the accuracy of the information contained in this Website and is not responsible for any discrepancy between the content of this website and any external sources.

This Website will NOT deal with or provide quotations for any products or services to jurisdictions or persons subject to national or international sanctions programs, including without limitation jurisdictions or persons prohibited by the United States’ Office of Foreign Assets Control (OFAC).

This Website may include links to other websites. Those links are not under the Company's control and the Company does not accept any responsibility for the content that the User encounters when it leaves finmaal.com

Liability

1.22 The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company's group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to the User or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect the User's computer equipment, software, data or other property on account of the User's access to, use of, or browsing the Website or the User downloading of any material from the Website or any websites linked to the Website.

1.23 Nothing in this legal notice shall exclude or limit the Company's liability for:

a) death or personal injury caused by negligence

b) fraud; or

c) misrepresentation as to a fundamental matter; or

d) any liability which cannot be excluded or limited under applicable law.

1.24 If the User's use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, the User assumes all costs thereof.

General

This document, together with the legal notices and terms and conditions at specific pages of the Website, the Privacy Notice and the Disclaimers on the Website contains the entire agreement between the parties regarding the matters contained herein and no party shall be bound by any undertakings, representations, warranties, promises or the like not recorded in writing.

If any provision of this legal notice is found by a court of law to be invalid or void such provision will be severed from the legal notice, without affecting the remainder of the provisions hereof.

No extension, latitude or other indulgence that may be given or are allowed by any party in respect of performance of any obligation hereunder, and no delay or forbearance in the enforcement of any party arising from this legal notice, and no single or partial exercise of any right of any party under this legal notice will in any circumstances be construed as implied consent or election by such party or operate as a waiver or a novation of or otherwise affect any party’s rights in terms of or arising from this legal notice or stop or preclude any such party from enforcing at any time and without notice, strict and punctual compliance with each and every provision or term hereof.

Any dispute or claim arising out of or in connection with the Website shall be governed by and construed in accordance with the laws of the United Arab Emirates, and the courts of the United Arab Emirates shall have exclusive jurisdiction in this respect.