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Terms & Conditions

Effective Date: May 2, 2025. By accessing or using ABFA Investments Ltd’s website (the “Site”), you (“User”) agree to be bound by these Terms of Service (“Terms”) from the Effective Date. Your use of the Site constitutes acceptance of these Terms; if you do not agree, you must immediately cease all use of the Site.

Nature of Content; No Advice, No Client Relationship

  • Informational Purposes Only: : The Site and its content are provided for general informational purposes only. ABFA Investments Ltd (“ABFA”, “we”, “us”, or “our”) is not providing financial, investment, legal, tax, or other professional advice on the Site. Nothing on the Site shall be construed as such advice. Users are encouraged to seek qualified professional advice where appropriate.
  • No Advisory or Client Relationship: Your use of the Site does not create an advisory, fiduciary, or client relationship between you and ABFA. All content is published without knowledge of any user’s personal circumstances, and is not tailored advice. ABFA is not acting as your broker, advisor, or representative merely by making the Site available.
  • No Reliance: You acknowledge that information on the Site may be incomplete, not up-to-date, or subject to change. ABFA expressly disclaims any responsibility for errors or omissions. The content of the Site should not be relied upon as the sole basis for any decision or action; users should conduct their own research and seek professional guidance.
  • No Financial/Investment Advice: In particular, none of the material on the Site should be interpreted as financial or investment advice. ABFA is not a financial advisor, broker, or investment manager, and is not a fiduciary with respect to any visitor. You alone assume full responsibility for evaluating any information on the Site. Under no circumstances should any information from the Site be construed as an offer to sell or solicitation of an offer to buy any securities, investment products, or services.

    • Use of the Site; User Accounts

  • Bound by Browsing: These Terms govern any access to or use of the Site. By merely visiting or browsing the Site, you agree to comply with these Terms. ABFA may deny access or terminate use of the Site by any user who fails to abide by these Terms.
  • No Registration Required: The Site does not require or offer user registration or account creation for general browsing. Visitors (“Users”) accessing the Site do so without creating any personal account. As a result, no username or password is needed, and ABFA will not issue or manage user accounts for accessing the Site.

    • Intellectual Property

    All content on the Site, including text, graphics, images, logos, and trademarks (collectively, the “Content”), is owned by ABFA or its licensors and is protected by United Arab Emirates and international intellectual property laws. ABFA grants you a limited, revocable, nonexclusive license to view and use the Content for your personal, non-commercial use only. Any other use (e.g. copying, modifying, distributing, or creating derivative works) is strictly prohibited without ABFA’s prior written consent.

    Disclaimers of Warranties

    To the fullest extent permitted by applicable law (including UAE law), the Site and Content are provided “AS IS” and “AS AVAILABLE,” without any warranty of any kind. ABFA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. ABFA makes no representation or warranty regarding the accuracy, completeness, security, legality, reliability, quality, or suitability of the Site or Content for any purpose. The Site may contain technical inaccuracies or typographical errors, and ABFA assumes no responsibility to update the Content.

    Limitation of Liability

    Under no circumstances shall ABFA, its affiliates, officers, directors, employees or agents be liable for any indirect, consequential, incidental, special, punitive or exemplary damages arising out of or in any way connected with your use of the Site, even if ABFA has been advised of the possibility of such damages. This includes loss of profits, loss of data, loss of goodwill, or any other intangible losses. Some jurisdictions do not allow the exclusion or limitation of liability, so some of the above limitations may not apply to you to the extent prohibited by law.

    Compliance with Law; No Unlawful Use

    You agree to comply with all applicable laws, rules and regulations, including those of the United Arab Emirates. You shall not use the Site for any unlawful purpose or to solicit others to perform or participate in any unlawful acts.

    Governing Law and Dispute Resolution

    These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates (including the laws of the Emirate of Dubai) without regard to conflict of law principles. Any dispute, controversy or claim arising out of or in connection with these Terms or the Site shall be subject to the exclusive jurisdiction of the courts located in Dubai. The United Nations Convention on Contracts for the International Sale of Goods shall not apply.

    Changes to These Terms

    ABFA reserves the right to modify, update or revise these Terms at any time. Revised Terms will be posted on the Site with an updated effective date. It is your responsibility to check these Terms periodically for changes. Your continued use of the Site after the posting of revised Terms constitutes your acceptance of those changes.

    Miscellaneous

  • Entire Agreement: These Terms constitute the entire agreement between you and ABFA regarding your use of the Site. They supersede any prior agreements or understandings, whether oral or written.
  • Severability: If any provision of these Terms is held to be invalid, illegal or unenforceable, that provision will be limited or eliminated to the minimum extent necessary so that these Terms otherwise remain in full force and effect. All other provisions shall continue in full force.
  • Waiver: ABFA’s failure to exercise any right or enforce any provision of these Terms shall not constitute a waiver of such right or provision. No waiver by ABFA of any breach shall be deemed a waiver of any subsequent breach.
  • Force Majeure: ABFA shall not be liable for any failure or delay in performing its obligations hereunder (other than payment obligations) to the extent such failure is caused by circumstances beyond ABFA’s reasonable control, including acts of God, war, terrorism, strikes, epidemics, natural disasters, or governmental restrictions.
  • Assignment: You may not assign or transfer these Terms or your rights or obligations herein without ABFA’s prior written consent. ABFA may freely assign its rights and obligations under these Terms to any affiliate or successor, with or without notice to you.
  • Survival: The provisions in these Terms which by their nature should survive termination (including, without limitation, ownership provisions, disclaimers, indemnities, and limitation of liability) shall survive any termination of your use of the Site.