Introduction
- CREDFIX FINANCING BROKER L.L.C with website address www.credfix.ae (the "Website"), a legal entity established in the Emirate of Dubai ("we", "us" or "our"). References to "you", "User", "your" and "yours" are references to the person(s) accessing the Website (as defined below).
Accessing means, You Agree
- By accessing the Website, and/or by registering on the Website, you agree to comply with these Terms and Conditions and our Privacy Policy (together, our "Legal Terms").
- If you do not agree to our Legal Terms, do not access, view, or otherwise use any of our Website or register as a User.
Access Issues
- The Website is built to operate as a platform and communication tool between the clients (the "Clients") and us for the provision of services offered on the website (collectively, the "Website Services").
- You must be 21 years or older to access this Website.
- The information relating to the Website Services may be uploaded by us or such other parties authorized by us either as part of these Legal Terms or through other arrangements entered into between us and such other parties.
- You are responsible for your internet connection to access the Website on your mobile device/other devices. You are also responsible for ensuring that any person who accesses the Website through your internet connection or mobile device is aware of our Legal Terms and complies with them.
- You may only use the Website or the Softwares used on the website and the Website Services for lawful purposes. You must not use the Website or the Website Services:
- in any way that is unlawful abusive, obscene, threatening or is otherwise prohibited by our Legal Terms.
- to harm or attempt to harm minors in any way.
- to send, knowingly receive, upload, download, use or re-use any material which is in breach of our Legal Terms; or
- transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation ("Spam").
- While we will endeavour to ensure that the Website is available twenty-four (24) hours a day, access to the Website may be suspended temporarily and without notice including, without limitation, due to a system failure, maintenance, repair or for reasons beyond our control. (to which we will attend with immediate effect) You agree that we shall not be liable if for any reason the Website is unavailable to you at any time or for any period.
- Access to the Website is permitted on a temporary basis. We reserve all rights to deny or restrict access to the Website, whether temporarily or permanently, by any person or organisation, or to block access from a particular mobile device to the Website, at any time and without any liability, without quoting any reasons.
Your Use of Content and Website Links
- All the content on the Website other than User-Generated Content ("Our Content”) belongs either to us or our licensors and is protected by world-wide copyright laws.
- Unless expressly stated otherwise, you may:
- only use Our Content for your personal, non-commercial use.
- not copy, reproduce, republish, upload, post, transmit or distribute any of Our Content; and
- not, without our prior written permission:
- redistribute any of Our Content;
- remove any copyright or trademark notice from Our Content; or
- create a database by downloading and storing any of Our Content.
- You shall not create any link from or to any Website without our prior written consent.
- Content from a third-party provider available on or through the Website may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused.
- You agree that any rights not expressly granted in these Legal Terms are reserved.
- If you breach any of the provisions in these Legal Terms, your permission to use the Website and your licence to use Our Content automatically terminates and you must immediately delete or destroy any downloaded /copied extracts of Our Content from the Website.
Registration
- You may access material on the Website without registering with us first. However, we can only address to your requirement after registering with us.
- Your registration information must be accurate and complete, and you must notify us of any change to that information, in particular to your e-mail address/ phone numbers.
- You warrant that you will not impersonate anyone else when registering for, or using, the Website or the Website Services.
- You must not allow anyone else to access any Website by using your username and password ("ID").
- You are liable to us for all Website access made by you or anyone else using your ID and we will not be liable to you or anyone else for unauthorized use of your ID.
- To qualify for the registration, you should not have been terminated by us as a User previously.
- By registering with the Website and creating your profile, you can access different Website Services that we offer without having to register for each service separately. If a Website Service you wish to subscribe to has additional terms and conditions, you will be asked to accept these separately.
- You agree that:
- you will keep your username and password safe, and not share them with anyone; and
- you will not create multiple or false accounts.
- You must not use any Website to send chain emails or spam or to send, use or re-use any materiel which:
- is unlawful, threatening, abusive, libellous, or indecent.
- infringes copyright or any other legal right; or
- contains any other form of illegal content.
Use of the Website
- You can select a Website Service from the list displayed on the Website.
- We do not guarantee that the Website Service will eventually help meet your objectives as the Website Service will be provided based on your chosen package decided by you.
- We do not give any guarantees to the quality of service provided by third party service providers. We will, under no circumstances, be liable for any negligence, errors or the quality of service provided by any of the third-party service providers.
Rating process
- "Ratings" refers to any ratings and/or comments posted by any Users on the Website. The User will have to rate the Website Services at a time deemed suitable by us. By posting a Ratings on the Website, you warrant that:
- You are or have been client through the Website;
- The statements of fact reflected in the ratings and/or comments posted by you are true to the best of your knowledge.
- You will not use obscene or offensive language or submit any material that is, or may potentially be, defamatory, abusive or hateful, an invasion of anyone's privacy, harmful to other Users, harmful to the business interests of the Website, or encourages conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any local, national or international law or regulatory board.
- You will not submit or post any material which constitutes junk mail or unauthorized advertising, including solicitation of other Users to buy or sell services without our prior written consent.
- The Website shall not be responsible for screening, editorial, or other control over ratings, comments or other content and you acknowledge that the Website may include material that could be deemed distasteful, misleading, inaccurate, offensive, or otherwise objectionable.
- The Website assumes no responsibility or liability for the preservation of content on the Website and we may modify or remove it at its sole discretion.
Refunds
- Except as otherwise stated in the contract terms that you sign with us, once you have placed an order for any of the Website Services, no refunds of any amount paid by you shall be possible.
Viruses, Hacking and Other Offences
- You must not:
- misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful.
- attempt to gain unauthorised access to the Website, the server on which any Websites stored, or any server, computer or database connected to the Website; or
- attack any Website via a denial-of-service attack or a distributed denial-of-service attack.
- Any breach of this clause immediately ends your right to access this Website and is a criminal offence which will be reported to the relevant law enforcement authorities and co-operate with them by disclosing your identity.
- We will not be liable to you for any loss or damage caused by a distributed denial-of-service attack, virus or other technologically harmful materiel that may infect your computer equipment, computer programs, data or other proprietary materiel due to your access to any Website or to your downloading of any materiel that is Posted on any of them, or on the Website linked to them.
Third Party Website
- The Website may contain links to other Websites or websites provided by independent third parties ("Third Party Website"), either directly or through frames. Where possible, we will make clear such links are being made, although Third Party Website may be co-branded with us and so include our trademarks. We are not responsible for the availability or content of Third-Party Website and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third-Party Website. In particular, if you use links from the Website to an authorized connected Website which is not operated by us to download software or any other materiel, file, image or data from the Third Party Site, you acknowledge and agree that we have no responsibility or liability in connection with it.
- We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyperlinks, or third-party Website or pages linked to the Website. If any hyperlinks to downloadable software Website is included on the Website, these are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
- We make no representations of warranties regarding the accuracy, functionality or performance of any third-party software that may be used in connection with the Website.
Advertising and Sponsorship
- Part of any Website may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that materiel submitted for inclusion on it complies with applicable laws. We are not responsible to you for any error, inaccuracy in their advertising material.
No Offer
- Information or opinions provided by us or through a third party on the Website does not constitute an offer to sell or solicit an offer to buy any goods or services.
Changes to the Legal Terms
- We may amend any Website or the Legal Terms from time to time without notice. You should review the Legal Terms and Conditions regularly to ensure that you are aware of any changes we make. By continuing to use the Website, you are agreeing now to be bound by future changes.
Disclaimer
- The content of the Website is distributed to you without any warranty of any kind. we and any provider of third-party content or their respective agents disclaim any and all warranties, either express or implied, including without limitation, warranties of title or implied warranties of fitness for a particular purpose, with respect to the Website and our content.
- Information on the website is provided on an "as is", "as available" basis and to the fullest extent permitted by law we and any provider of third-party content or their respective agents do not give or make any warranty or representation of any kind, whether express or implied in respect of such information whether in respect of the website. you expressly agree that the entire risk as to the quality and performance of the service and the accuracy or completeness of our content is assumed solely by you.
- You will use the services offered by us on the website at your own risk and we do not accept any responsibility for any losses that you may suffer as a result of the use of the services provided by any of the other users.
- We and any provider of third-party content or their respective agents:
- make no express or implied condition, warranty, representation or undertaking as to the accuracy, adequacy, completeness, reliability or timeliness of our content and the information, material, services, or the error-free use of the website. our content and the information, material, services outlined on the website may be out of date, and we make no commitment to update such content. you acknowledge that any reliance upon such content shall be at your sole risk; and
- do not represent or warrant that the website will be available or that it will meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. you have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
Limitation of Liability
- Our Content and any User-Generated Content is for your general information and use only and is not intended to address your particular requirements (for which you will have to contact us). While we aim to update the Website regularly, any of Our Content or User-Generated Content may be out of date and we assume no responsibility for updating it. In particular, Our Content and any User-Generated Content does not constitute any form of advice, recommendation, or arrangement to you by us and is not intended to be relied upon by you in making (or not making) any particular decision.
- We have no liability to you because of:
- any reliance you placed on Our Content or User-Generated Content; and
- any arrangement made between you and any third party named on any Site, which was made at your sole risk and responsibility.
- Because of the number of sources from which we obtain Our Content and User-Generated Content and the nature of electronic distribution via the internet, we do not give any warranties in respect of the Website or the Website Services. In particular, the Website Services are provided on an "as is" basis. We disclaim all warranties, conditions or duties of every nature whatsoever (except any duties of good faith), including without limitation, any implied warranties of merchant ability, of fitness for a particular purpose, any express or statutory warranties, and any warranties or duties regarding accuracy or timeliness. In addition, we do not warrant that the Website Services are free from infection by viruses or anything else that has contaminating or destructive properties.
- To the fullest extent allowed by applicable law, you agree that we will not be liable to you and/or any third party for any consequential or incidental damages, including loss of business, income or revenue, lost profits or contracts, loss of data, privacy or goodwill, failure to meet any duty including but not limited to any duty of good faith or any indirect, special, or punitive damages whatsoever that arise out of or in connection with the use of the Website or the Website Services or any breach of our Legal Terms by us, even if we have been advised of the possibility of such damages.
- Notwithstanding the provisions of this part, our liabilities will not be limited to any that cannot be excluded or limited by law.
- You agree to fully indemnify, defend and hold us and our affiliates, and their respective officers, directors, owners, agents, information providers and copyright owners from and against any and all claims, losses, costs and expenses (including attorneys' fees) incurred by any such party in connection with any claim arising from your use of or connection to the Website, or from any breach by you of these Legal Terms.
Third Party Copyright
- Some of the content used on our Website (such as, but not limited to, images and/or audio-visual material) may be the copyrighted works of third-party service providers, who reserve all their rights in such content. These third parties shall be entitled to the benefit of the Legal Terms in respect of their content as if they were "we" and shall be bound accordingly.
Privacy Policy
- The personal information that you provide to us will only be used by us in accordance with our Privacy Policy, which can be accessed via the link on the Home page.
- Our Privacy Policy is hereby incorporated into these Legal Terms as though fully set forth herein. By agreeing to these Legal Terms, you also give your consent to the way we manage your personal information under that Privacy Policy.
General
- You may not assign, sub-licence or otherwise transfer any of the rights under these Legal Terms. If any term is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions, which shall remain in full force and effect. Failure by either us or you to exercise any right or remedy under our Legal Terms does not constitute a waiver of that right or remedy. Headings in our Legal Terms are for convenience only and have no legal effect.
Choice of Law and Jurisdiction
- Our Legal Terms are governed by, and construed in accordance with, the laws of the United Arab Emirates applicable in Dubai and you irrevocably agree that the courts of Dubai have exclusive jurisdiction to settle any dispute between us.
Entire Agreement
- These Legal Terms represent the entire understanding and agreement between us and the user concerning your use of the Website and Our Content. Any and all previous courses of dealing, written or oral understandings, discussions, representations, correspondence and communications between us and you relating to the matters covered by these Legal Terms are hereby superseded. You agree that you have not relied upon, and will have no remedy in respect of, any warranty, statement, representation or understanding made by us or any other party unless it is expressly set out in these Legal Terms.
- If any provision of these Legal Terms is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Legal Terms and the remainder of the provisions in question shall not be affected.
Contact Us
- Any queries or comments about the Website or the Legal Terms should be directed via info@credfix.ae.
