Last Updated: 08-18-2024

These Terms and Conditions ("Terms") govern your use of the WELF website, mobile application, and any other online services provided by WELF (collectively, the "Services"). By accessing or using our Services, you agree to these Terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

By using WELF Services, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. These Terms apply to all users of the Services.

2. Eligibility

To use WELF Services, you must be at least 18 years old and legally capable of entering into binding contracts. By using the Services, you represent that you meet these eligibility requirements.

3. WELF Services

WELF offers a range of financial products and advisory services. In addition to our proprietary offerings, we also provide access to third-party products and services.

• WELF Products: These are financial products developed and managed by WELF.
• Advisory Services: WELF offers personalized financial advisory services to help you make informed decisions.
• Third-Party Products and Services: WELF facilitates access to products and services provided by third-party partners, including but not limited to, bank accounts, investment products, and real estate.

4. Account Registration

To use certain features of our Services, you may need to create an account with WELF. You agree to provide accurate, current, and complete information during registration and to update this information as necessary. You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account.

5. Third-Party Products and Services

WELF may provide you with access to third-party products and services. These are governed by the terms and conditions of the respective third-party providers. WELF is not responsible for the quality, performance, or terms of third-party products and services. Your use of third-party services is at your own risk, and WELF is not liable for any issues arising from your interaction with third-party providers.

6. Fees and Payments

WELF may charge fees for certain products and services. All fees, including those related to third-party products and services, will be clearly disclosed to you before you complete any transaction. You agree to pay all applicable fees associated with your use of the Services.

7. Use of Services

You agree to use the Services only for lawful purposes and in compliance with these Terms. You may not use our Services to engage in any activity that could harm WELF, its affiliates, or other users.

8. Intellectual Property

All content, trademarks, service marks, logos, and other intellectual property displayed on WELF Services are the property of WELF or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the Services solely for personal, non-commercial use.

9. Termination of Services

WELF reserves the right to terminate or suspend your access to the Services at any time, without notice, if you violate these Terms or if we determine it is necessary to protect WELF or other users. Upon termination, your right to use the Services will cease immediately.

10. Disclaimer of Warranties

WELF provides the Services on an "as is" and "as available" basis. We do not guarantee that the Services will be uninterrupted, error-free, or secure. WELF disclaims all warranties, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, WELF and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the Services or any third-party products or services accessed through the WELF platform.

12. Indemnification

You agree to indemnify and hold harmless WELF, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Services, your breach of these Terms, or your violation of any rights of another.

13. Changes to Terms and Conditions

WELF may update these Terms at any time. We will notify you of any changes by posting the revised Terms on our website. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United Arab Emirates, without regard to its conflict of law principles. Any disputes arising under these Terms will be resolved through binding arbitration in Dubai, United Arab Emirates, except that either party may seek injunctive relief in any court of competent jurisdiction.