Terms of Use

2. Services

The Website provides users with access to educational content, research publications, reports, events, webinars, learning programmes, digital tools, newsletters and other resources (collectively, the "Services"). The Company reserves the right to cancel user access to the Services for violation of any Terms of Use stipulated herein, in its sole discretion.

The Company will not provide any services to individuals and companies owned or controlled by, or acting for or on behalf of, countries and individuals, groups and entities that would expose the Company to any sanction, prohibition or restriction under the trade or economic sanctions, laws or regulations of the UAE.

3. Website operation

This Website is domiciled and controlled from the United Arab Emirates ('UAE'). The Company makes no representation that this Website is appropriate for use in other locations. If you use this Website from other locations, you are responsible for ensuring compliance with local laws. You may not use, export or re-export any materials from this Website in violation of any applicable laws or regulations, including, but not limited to any UAE export laws and regulations.

4. Applicable law

These Terms of Use and your use of the Website shall be governed by the federal laws of the United Arab Emirates together with the laws of the Emirate of Abu Dhabi applicable to the Abu Dhabi mainland (onshore), without regard to conflict of laws principles, and to the exclusion of the laws of any free zone or financial free zone in the UAE (including the Abu Dhabi Global Market). You irrevocably submit to the exclusive jurisdiction of the onshore (mainland) courts of the Emirate of Abu Dhabi, to the exclusion of the courts of any free zone or financial free zone (including the courts of the Abu Dhabi Global Market), in respect of all disputes arising out of or in connection with the Website or these Terms of Use. These Terms of Use may be issued in both Arabic and English; in the event of any discrepancy between the two versions, the Arabic version shall prevail.

5. Purchase transactions

The Company accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services. A payment confirmation email will be sent to the user's registered email address following payment success.

Unless otherwise stated, fees paid for any paid services are non-refundable once access has been granted or the service has commenced. All refunds will be made onto the original mode of payment.

6. Representations by you

By visiting the Website, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that all materials of any kind submitted by you to the Company through the Website or for inclusion on the Website will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights. Individuals under the age of 18 may not register for, transact through or otherwise use the Website.

7. Permitted use

You agree that you are only authorized to visit, view and to retain a copy of pages of this Website for your own personal use, that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Website for any purpose other than for personal use, unless otherwise specifically authorized by the Company to do so. You also agree not to deep-link to the Website for any purpose, unless specifically authorized by the Company to do so. The content and software on this Website is the property of the Company.

8. Your account

If you use this Website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account from any devices, and you agree to accept responsibility for all activities that occur under your account or password. The Website shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.

9. No commercial use

This Website may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind. You must obtain the Company's prior written consent to make commercial offers of any kind on the Website, whether by advertising, solicitations, links, or any other form of communication. The Company will investigate and take appropriate legal action against anyone who violates this provision, including without limitation, removing the offending communication from the Website and barring such violators from use of the Website.

10. External Websites

The Website may display links to external websites for informational purposes. The Company has no control over these websites or the content contained within them and makes no representation or warranty regarding their accuracy, legality, reliability or suitability for any purpose. The inclusion of any link does not imply endorsement, approval or recommendation by the Company.

Users access third-party websites entirely at their own risk. The Company shall not be liable for any loss, damage or inconvenience arising from the use of, or reliance on, any external website or its content. If you identify a problematic link on the Website, you may notify us at support@vestora.ae.

Inbound hyperlinks to the Website, framing of the Website, or reproduction of any material displayed on the Website is not permitted without our prior written consent.

The Company endeavours to ensure that the Website is free from viruses, malware and other malicious code. However, users are responsible for implementing appropriate security measures, including scanning downloaded materials. The Company accepts no liability for any loss or damage arising from viruses, malware or other harmful code that may be transmitted through the Website or any linked website.

11. Copyright and prohibited use

You agree not to use this Website:

• to create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from this Website otherwise than for your own personal records (and except where expressly permitted on the Website);
• to transmit or re-circulate any material obtained from this website to any third party except where expressly permitted on this Website;
• in such a way so as to remove the copyright or trade mark notice(s) from any copies of any material made in accordance with these terms;
• to modify, copy, distribute, transmit, display, reproduce, publish, transfer, create derived works from, or sold from this Website without our prior written consent;
• to disseminate any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; or
• to disseminate any material that contains software viruses or any other computer code, files or programs designed to interrupt, damage, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Subject to this paragraph, all rights in material on this Website are owned and reserved to the Company.

The Company may terminate the privileges of any user who uses this Website to unlawfully to transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to this Website, you warrant that the information does not infringe the copyrights or other rights of third parties.

12. Intellectual property

All content published on the Website, including reports, research publications, articles, learning materials, videos, graphics, logos, software, databases and downloadable resources, is owned by or licensed to the Company and is protected by applicable intellectual property laws.

Such materials may not be copied, reproduced, distributed, republished, modified, transmitted or otherwise exploited without the prior written consent of the Company, except as expressly permitted under these Terms of Use.

13. License granted by you

By providing materials to the Company, including by submitting or uploading content or materials for use on the Site you represent and warrant that you or the owner of all rights to such content or materials has expressly granted the Company an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part of the content and materials provided by you. The Company may publish and distribute any such submitted content or materials at its sole discretion by any method now existing or later developed. You represent and warrant that any content or materials you submit do not infringe or misappropriate the intellectual property or other proprietary rights of any third party, and you agree to indemnify the Company against any third-party claim arising from such content or materials. The Company shall be under no obligation to use, publish or retain any content or materials you submit. Any content or materials you submit to the Company for use or publication on the Site will be treated as non-confidential and non-proprietary and may be used by the Company for any purpose connected with the Site and its services, except to the extent that such materials constitute personal data, which will be handled in accordance with our Privacy Policy and applicable law.

14. Disclaimer of warranty, limitation of damages

The Company makes no warranty or representation of any kind, either express or implied, including but not limited to warranty of title or non-infringement or implied warranty of merchantability, fitness for a particular purpose, non-infringement or other violation of rights in relation to the availability, accuracy, validity, reliability or content of these pages and/or the Website. The Company also does not make any representation or warranty regarding the accuracy or reliability of any advice, opinion, statement or other information that is submitted, displayed or uploaded through the Website by any user. The Company shall not be liable for any direct, indirect, incidental, special or consequential damages, lost profits or for business interruption arising out of the use of or inability to use the Website, even if the Company has been advised of the possibility of such damages. To the maximum extent permitted by applicable law, the Company's total aggregate liability to you arising out of or in connection with these Terms of Use and your use of the Website, whether in contract, tort or otherwise, shall not exceed the total fees (if any) actually paid by you to the Company during the twelve (12) months immediately preceding the event giving rise to the claim, or AED 1,000, whichever is greater. Nothing in these Terms of Use shall exclude or limit the Company's liability for fraud, gross negligence, wilful misconduct, death or personal injury caused by the Company's negligence, or any other liability that cannot lawfully be excluded or limited under the applicable laws of the UAE.

Services provided by the Website are provided on an "AS IS" without warranty of any kind and no liability is accepted for service interruptions arising from internet facilities. The Website and/or its contractors may make improvements, modifications and/or changes to the Services at any time without notice.

15. Reliability of Information

The Company strives to ensure that information published on the Website is accurate, current and obtained from reliable sources. However, certain information may be provided by third parties and may not be independently verified by the Company. Where appropriate, sources will be identified.

Information published on the Website is provided for educational and informational purposes only and should not be construed as legal, financial, tax, investment or other professional advice. Users should obtain independent advice appropriate to their circumstances before making any financial, business or legal decisions.

Articles, reports, commentary, observations, opinions, forecasts and other content published on the Website may contain forward-looking statements, assumptions or subjective views. Such content reflects the views of the author at the time of publication and may not necessarily represent the views of the Company.

While reasonable care is taken in preparing content, the Company makes no representation or warranty as to the accuracy, completeness, reliability or suitability of any information published on the Website and accepts no liability for any loss or damage arising from reliance on such information.

16. No financial, legal or investment advice

Unless expressly stated otherwise, Vestora is an education, research and technology platform and the content made available through the Website is provided for educational and informational purposes only.

Nothing on the Website constitutes or should be construed as financial advice, investment advice, legal advice, tax advice, accounting advice or any other regulated professional service. Vestora does not recommend, endorse or advise users to select any particular fund, provider, investment strategy or financial product unless such recommendation is expressly provided as part of a regulated service offered under the appropriate licence or regulatory authorisation.

Users should obtain independent professional advice appropriate to their circumstances before making any financial, investment, legal, tax or business decision. Reliance on any information published on the Website is solely at the user's own risk.

17. Sponsorships and advertisements

The Website may contain sponsorships, advertisements and other forms of commercial promotion. Sponsors and advertisers are solely responsible for ensuring that materials submitted for publication comply with all applicable laws, regulations and industry requirements.

The Company does not endorse, recommend or guarantee any product, service, provider, organisation or claim featured within a sponsorship or advertisement. Sponsorship and advertising arrangements do not influence the Company's editorial content, research findings, educational materials or event agendas unless expressly disclosed.

The Company is not responsible for the acts, omissions, representations or conduct of any sponsor, advertiser or third party featured on the Website.

18. Removal of content

The Website reserves the right to refuse or remove any contribution (user submitted content or otherwise) on the Website at its sole discretion without the need to give any reasons for doing so to the user or any third party.

Users who wish to report concerns regarding content published on the Website may contact us at ceooffice@vestora.ae. The Company will review such requests and take such action as it considers appropriate in its sole discretion.

19. Severability

In the event that any term of these Terms of Use is held to be invalid, void or unenforceable, the remainder of these Terms of Use shall nevertheless continue in full force and effect.

Headings and section titles in this Agreement are for convenience and do not define, limit, or extend any provision of this Agreement.

20. Violation of Terms of Use

You understand and agree that in the Company's sole discretion, and without prior notice, the Company may terminate your access to the Website, or exercise any other remedy available and remove any unauthorized user information, if the Company believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of the Company, or any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to the Company for violations of these Terms of Use and you consent to injunctive or other equitable relief for such violations. The Company may release user information about you if required by law or subpoena.

21. Indemnity

You agree to indemnify, defend and hold the Company, its subsidiaries, affiliates, officers, directors, agents, partners and employees harmless from and against any loss, liability, claim, demand, damages, cost or expense, including reasonable attorneys' fees, made by any third party due to or arising out of or relating to your use of the Website, including your use of the Website to provide a link to another site or to upload content or other information to the Website, or your breach of these Terms of Use. This indemnity is given to the maximum extent permitted by applicable law and shall survive any termination of these Terms of Use or of your access to the Website.

22. Electronic consent

The User hereby agrees to the use of an electronic record to document this agreement.

23. Force Majeure

The Company shall not be liable or responsible for any failure to perform, or delay in performing, any of its obligations under these Terms of Use, or for any unavailability of or interruption to the Website or the Services, caused by any event or circumstance beyond its reasonable control, including but not limited to acts of God, failure or interruption of telecommunications or internet infrastructure, cyber-attack, power failure, fire, flood, epidemic or pandemic, war, civil unrest, or any governmental or regulatory action.

24. General

Entire agreement: These Terms of Use, together with the Privacy Policy and any other policies published on the Website, constitute the entire agreement between you and the Company in respect of your use of the Website and supersede all prior agreements, representations and understandings.

No waiver: No failure or delay by the Company in exercising any right or remedy under these Terms of Use shall operate as a waiver of that or any other right or remedy.

Assignment: The Company may assign, transfer or sub-contract any or all of its rights and obligations under these Terms of Use at any time without notice to you. You may not assign or transfer any of your rights or obligations under these Terms of Use without the Company's prior written consent.

Survival: Any provision of these Terms of Use that by its nature is intended to survive termination - including those relating to intellectual property, the licence granted by you, disclaimers, limitation of liability, indemnity and governing law - shall continue in full force and effect following any termination of your access to the Website.

Third parties: Save for the Company's subsidiaries, affiliates and the persons indemnified under these Terms of Use, a person who is not a party to these Terms of Use shall have no right to enforce any of its provisions.