Welcome to Epiidosis Global Finance LLC-FZ (“Epiidosis Global Finance,” “we,” “us,” or “our”). These Website Terms of Use (“Terms”) govern your access to and use of our website, digital platforms, services, and any related offerings (collectively, the “Services”). By accessing or using our Services, you (“Client,” “you,” or “your”) agree to be legally bound by these Terms. If you do not agree, you must refrain from using our Services.

1. Scope of Services

1.1 Nature of Services

Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) provides professional financial advisory, investment consulting, corporate structuring, company formation, banking advisory, and related services, in strict compliance with our license issued by the Meydan Free Zone Authority and applicable UAE regulations. Our Services are designed to support businesses and individuals in areas including, but not limited to:

• Strategic financial planning and advisory
• Capital raising and investment consulting
• Corporate structuring, mergers, and acquisitions
• Company setup, registration, and licensing in the UAE and relevant jurisdictions
• Banking and corporate finance advisory
• Market research, financial modeling, and due diligence
• Introductions and facilitation with third-party service providers, investors, or financial institutions

1.2 Engagement-Specific Scope

The exact scope, deliverables, timelines, roles, and responsibilities for any service engagement will be clearly defined in a written Engagement Agreement executed between you (“Client”) and Epiidosis.

• Services are personalized and tailored based on the specific needs, risk profile, and business objectives of the Client.
• No oral communication, informal correspondence, or preliminary discussions shall be deemed binding or alter the formal Engagement Agreement.

1.3 Limitations and Disclaimers

While we provide professional advice and guidance, services do not guarantee:

• Financial or investment outcomes
• Regulatory approvals or licenses
• Profitability, returns on investment, or market performance

All recommendations and information provided are based on professional judgment, available information, and reasonable assumptions at the time of delivery.

Clients remain solely responsible for business decisions, risk assessment, and compliance with local, national, and international laws, including but not limited to:

• UAE Federal Laws and Regulations
• Meydan Free Zone Authority requirements
• Anti-Money Laundering (AML) and Counter-Terrorism Financing (CFT) obligations
• Tax, corporate, labor, and financial regulations in relevant jurisdictions

1.4 Third-Party Engagement and Introductions

Services may include introductions or recommendations to third-party service providers, financial institutions, investors, or other relevant entities.

• Epiidosis does not assume liability for the actions, performance, or obligations of any third-party entity.
• Any agreements or contracts executed with third parties introduced by Epiidosis are solely between the Client and the third party.

1.5 Research and Reports

Research, analyses, and reports provided are for informational and advisory purposes only.

• Data, forecasts, and market information may be subject to change, and Epiidosis does not warrant or guarantee accuracy or completeness.
• Clients should seek additional professional advice as appropriate and exercise independent judgment when relying on research or recommendations.

1.6 Compliance and Regulatory Adherence

All Services are delivered in strict adherence to UAE law, Meydan Free Zone regulations, and international standards, including:

• Financial Action Task Force (FATF) Recommendations
• AML & CFT obligations as per Epiidosis Global Finance AML Policy (link)
• Data protection and privacy obligations in accordance with UAE PDPL and GDPR (link)

Clients must provide complete and accurate documentation to allow Epiidosis to comply with regulatory obligations, including but not limited to KYC, due diligence, and source of funds verification.

1.7 Acknowledgment of Limitations

By engaging our Services, you acknowledge and accept that:

• Outcomes are influenced by market conditions, regulatory changes, and business risks beyond Epiidosis’s control.
• Epiidosis is not responsible for losses, penalties, or legal consequences arising from the Client’s decisions or third-party interactions.
• Engagements are subject to formal written agreements, which take precedence over informal communications or representations.

2. Client Eligibility and Responsibilities

By engaging with Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) and accessing or using our Services, you (“Client,” “you,” or “your”) explicitly acknowledge, warrant, and agree to the following terms regarding your eligibility and responsibilities:

2.1 Legal Competence and Authority

You warrant that you possess full legal capacity, authority, and competence to enter into binding contracts under the laws of your jurisdiction and under the laws of the United Arab Emirates, including the Meydan Free Zone regulations.

• If you act on behalf of a corporate entity, partnership, trust, or other legal entity, you confirm that you are duly authorized to bind that entity to all obligations and representations under these Terms of Use, Engagement Agreements, and any related policies.
• You acknowledge that engaging with our Services while lacking legal competence or authority may render the engagement voidable or unenforceable.

2.2 Accuracy and Completeness of Information

You agree to provide full, accurate, and truthful information as reasonably required for:

• Service delivery, including financial advisory, corporate structuring, and investment consulting.
• Know Your Customer (KYC) and Customer Due Diligence (CDD) processes mandated by UAE AML Law, Meydan Free Zone Authority regulations, and international standards.
• Regulatory compliance, including Anti-Money Laundering (AML), Counter-Terrorism Financing (CFT), and sanctions screening.

You acknowledge that submission of incomplete, false, or misleading information may:

• Delay or limit the provision of Services.
• Trigger additional due diligence or Enhanced Due Diligence (EDD) measures.
• Result in the refusal, suspension, or termination of Services at our discretion.

You consent that Epiidosis may rely on the information you provide to verify your identity, corporate status, beneficial ownership, source of funds, and financial standing.

2.3 Compliance with Laws, Regulations, and Industry Standards

You are responsible for ensuring full compliance with all applicable laws, regulations, rules, and sanctions in your jurisdiction, including but not limited to:

• UAE Federal Laws, including Federal Decree-Law No. 20 of 2018 on AML/CFT.
• Meydan Free Zone Authority regulatory guidelines and operational directives.
• Applicable international sanctions, embargoes, and lists maintained by organizations such as the UN, EU, OFAC, and other regulatory authorities.
• Industry standards and best practices relevant to your business or use of Services.

You acknowledge that Epiidosis is not responsible for your independent legal or regulatory compliance. Any breach of applicable laws or sanctions due to your actions or omissions remains your sole responsibility.

2.4 Responsibility for Decisions and Actions

You understand and accept that all decisions or actions taken based on our advice, recommendations, analyses, or Services are made at your own risk.

Epiidosis provides guidance and professional recommendations based on reasonable professional judgment, available information, and regulatory compliance, but cannot guarantee outcomes, approvals, or returns.

You remain solely responsible for:

• Investment, business, or corporate decisions derived from our Services.
• Implementation or execution of any strategic, financial, or operational action based on our guidance.
• Consequences arising from reliance on incomplete or inaccurate information, or from failure to comply with applicable laws.

2.5 Representations and Warranties

By using our Services, you represent and warrant that:

• You are legally authorized to provide all necessary documentation and information required for engagement with Epiidosis.
• The information you provide is current, complete, and accurate to the best of your knowledge.
• You are not engaging our Services for illegal purposes, including money laundering, terrorism financing, fraud, or any prohibited activity under UAE law or international regulations.
• You will promptly notify Epiidosis of any changes to the information provided that could affect regulatory compliance, due diligence, or risk assessments.

2.6 Ongoing Obligations

You agree to maintain ongoing compliance with these responsibilities throughout the duration of your engagement.

• Epiidosis may periodically request updates, clarifications, or additional documentation to ensure continued compliance with regulatory obligations.
• Failure to comply with these obligations may result in service suspension, termination, or reporting to regulatory authorities as required under UAE and international law.

3. Engagement and Contractual Relationship

3.1 Formation of Binding Engagement

Services will commence only upon the execution of a written Engagement Agreement (“Agreement”) signed by both Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) and the Client (“Client,” “you,” or “your”).

The Engagement Agreement shall explicitly define:

• The scope of Services to be provided, including deliverables and limitations.
• The fee structure, payment terms, invoicing schedule, and any applicable taxes, duties, or levies.
• Timelines and milestones for service delivery, including deadlines for Client-provided inputs or approvals.
• Roles, responsibilities, and obligations of both parties.
• Applicable compliance, confidentiality, and regulatory obligations, including AML/CFT requirements.

3.2 Legal Effect of Verbal Communications

Any verbal communications, discussions, or informal correspondence between Epiidosis personnel and the Client are provided solely for informational purposes.

• Verbal communications do not create a binding contract, commitment, or legal obligation for either party.
• No reliance on verbal statements shall override, modify, or supplement the terms of the written Engagement Agreement unless expressly confirmed in writing and signed by authorized representatives of both parties.

3.3 Right to Refuse, Suspend, or Terminate Services

Epiidosis reserves the absolute discretion to refuse to enter into an Engagement Agreement or decline specific service requests without liability, provided such refusal does not breach contractual obligations already undertaken.

Services may be suspended temporarily due to:

• Client’s failure to provide necessary information or documentation.
• Non-compliance with regulatory, legal, or AML/CFT obligations.
• Force majeure events or operational constraints.

Services may be terminated in accordance with the Engagement Agreement or as permitted by law if:

• Client breaches contractual obligations, including payment defaults or misrepresentation.
• Continued engagement would violate applicable laws, regulations, or international sanctions.

Termination does not relieve the Client of obligations accrued prior to termination, including payment for Services rendered, confidentiality, or compliance requirements.

3.4 Modifications and Additions to Services

Any modification, amendment, or addition to the scope, fees, deliverables, or timelines of Services must be documented in a written amendment or addendum to the Engagement Agreement.

Such modifications require mutual consent and signatures of authorized representatives from both Epiidosis and the Client.

No oral agreements, email statements, or informal notes shall constitute a valid amendment unless formally executed.

Modifications are subject to applicable regulatory approvals, contractual limits, and compliance with UAE laws, Meydan Free Zone Authority requirements, and international standards.

3.5 Regulatory and Compliance Conditions

Execution of the Engagement Agreement is conditional upon completion of all required due diligence, including:

• Client identification and verification (KYC/AML).
• Source of funds and wealth assessment.
• Screening against sanctions, watchlists, and PEP (Politically Exposed Person) registries.

Services are strictly contingent on compliance with UAE federal laws, Meydan Free Zone regulations, and any relevant international legal obligations.

3.6 Documentation and Record-Keeping

All Engagement Agreements, amendments, and related communications are maintained in secure records in accordance with UAE law and regulatory retention requirements.

These records serve as legal proof of agreement, scope, obligations, and compliance for audit, regulatory, or dispute resolution purposes.

4. Fees, Charges, and Payment Terms

4.1 Fee Structure

All fees for services provided by Epiidosis Global Finance LLC-FZ (“Epiidosis”) are explicitly defined in the Engagement Agreement executed between the Client and Epiidosis.

Fees may comprise, individually or in combination:

• Fixed Fees: Pre-determined amounts for specific deliverables or services.
• Hourly Rates: Fees calculated based on time spent by Epiidosis personnel on Client-related work.
• Retainers: Advance payments securing ongoing advisory or consultancy services.
• Success Fees or Performance-Based Fees: Contingent fees tied to specific outcomes or milestones, clearly defined in the Engagement Agreement.

4.2 Payment Obligations

Invoices will be issued according to the schedule outlined in the Engagement Agreement or otherwise agreed in writing.

All payments are due in full, in the currency specified, and must be remitted without any deduction, set-off, withholding, or counterclaim, unless expressly agreed in writing by Epiidosis.

Clients are responsible for ensuring timely and complete payment in accordance with the agreed schedule.

4.3 Late Payment and Interest

If a payment is not received by the due date, Epiidosis reserves the right to:

• Charge interest on the overdue amount at the rate permitted under UAE Federal Law or the rate specified in the Engagement Agreement.
• Apply administrative fees or penalties reasonably incurred as a result of late payment.
• Suspend ongoing services or withhold deliverables until outstanding amounts are settled.

The Client acknowledges that delayed payments may affect service timelines and project milestones.

4.4 Taxes, Levies, and Duties

The Client is responsible for all taxes, duties, levies, or charges imposed by any jurisdiction in relation to the Services, including, without limitation, VAT, excise tax, withholding tax, or stamp duties, unless explicitly stated otherwise in the Engagement Agreement.

Epiidosis may invoice such taxes in addition to the fees for Services, and the Client agrees to remit these amounts in accordance with applicable laws.

Any obligation to pay taxes in the Client’s jurisdiction does not relieve the Client from payment obligations under the Engagement Agreement.

4.5 Dispute and Adjustment of Fees

Any disputes regarding invoiced amounts must be submitted in writing within 7 days of the invoice date.

Epiidosis may review, adjust, or correct invoicing errors, and any agreed adjustments will be documented and communicated in writing.

Undisputed amounts remain payable in accordance with the original terms.

4.6 Suspension or Termination for Non-Payment

Failure to pay any fees or charges may result in:

• Suspension of Services until payment is received.
• Termination of the Engagement Agreement for material breach.
• Recovery of outstanding fees, including interest, penalties, and collection costs.

The Client agrees that Epiidosis may exercise all lawful remedies available under UAE law or the Engagement Agreement to recover unpaid amounts.

4.7 Transparency and Consent

By entering into the Engagement Agreement, the Client explicitly acknowledges:

• Understanding the fee structure, payment schedule, and consequences of late or non-payment.
• Responsibility for all applicable taxes and legal charges.
• Consent to reasonable interest and administrative fees for overdue payments.

4.8 Record-Keeping and Audit

Epiidosis maintains comprehensive records of all invoices, payments, and related communications.

Clients may request documentation of fees and payments for audit or regulatory purposes, subject to confidentiality and legal constraints.

5. Confidentiality and Data Protection

5.1 Obligation of Confidentiality

Both parties, including Epiidosis Global Finance LLC-FZ (“Epiidosis”) and the Client (“you”), agree to maintain strict confidentiality with respect to all non-public, proprietary, or sensitive information exchanged during the engagement.

Confidential information includes, but is not limited to:

• Business plans, financial statements, investment strategies, and corporate structures.
• Client identification, personal data, and sensitive contact information.
• Intellectual property, trade secrets, methodologies, and templates.
• Communications, notes, and records arising from engagement.

Both parties shall use such information solely for the purpose of executing the engagement and not for any unauthorized purposes.

5.2 Data Protection Compliance

Epiidosis strictly complies with:

• UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL) and related UAE regulations.
• European Union General Data Protection Regulation (GDPR) for any EU personal data processed.
• Any other applicable international, regional, or local data protection laws, regulations, and guidelines.

Epiidosis implements technical, administrative, and organizational measures to protect personal and business data against unauthorized access, loss, disclosure, alteration, or destruction.

5.3 Lawful Processing of Personal Data

Personal data collected from Clients, their representatives, or third parties is processed only for legitimate business purposes, including:

• Delivery of agreed financial, corporate, or advisory Services.
• Compliance with regulatory obligations, including KYC, AML/CFT, and tax reporting.
• Risk management, internal auditing, and legal compliance.
• Communication related to Services, updates, and operational matters.

Epiidosis ensures that personal data is accurate, complete, and up-to-date, and implements measures to rectify inaccuracies promptly upon notice.

5.4 Limits on Disclosure

Confidential information and personal data may only be disclosed under the following circumstances:

• As required by law, including court orders, regulatory authorities, government agencies, or law enforcement.
• With prior explicit written consent from the Client or authorized representatives.
• To professional advisors, service providers, or agents engaged in providing Services, under strict contractual confidentiality obligations.

Unauthorized disclosure or use of confidential information is strictly prohibited and may result in legal liability, contractual remedies, or regulatory sanctions.

5.5 Data Retention and Security

Personal data and confidential information will be retained only as long as necessary to fulfill the purposes outlined above or as required by law and regulatory retention periods.

Epiidosis employs state-of-the-art encryption, access controls, authentication, and monitoring to protect data in transit and at rest.

Periodic audits, staff training, and security assessments are conducted to ensure ongoing compliance and data integrity.

5.6 Data Subject Rights

Clients and individuals whose personal data is processed by Epiidosis have the right to:

• Access, correct, or delete personal data in accordance with UAE PDPL, GDPR, or other applicable laws.
• Withdraw consent to the extent processing is based on consent.
• Object to processing or request restriction, subject to lawful grounds for continued processing.
• Request data portability where applicable.

Requests regarding personal data should be directed to privacy@epiidosisglobalfin.com, and Epiidosis will respond in accordance with legal timelines and requirements.

5.7 Cross-Border Transfers

Where personal data is transferred internationally, Epiidosis ensures lawful transfer mechanisms, including:

• Adequacy decisions, where the receiving jurisdiction provides sufficient protection.
• Standard contractual clauses (SCCs) or binding corporate rules.
• Explicit consent from data subjects when required.

5.8 Policy References

This clause is implemented in conjunction with Epiidosis’s Privacy Policy, which provides additional details on:

• Categories of data collected.
• Purposes of processing.
• Rights of data subjects.
• Cookies and tracking technologies.
• Complaint procedures and regulatory contacts.

• For full details, see our Privacy Policy here: .

5.9 Consequences of Breach

Breach of confidentiality or data protection obligations may result in:

• Disciplinary action or termination of engagement for employees or contractors.
• Civil or regulatory liability under applicable laws.
• Reputational and legal consequences for the breaching party.

6. Anti-Money Laundering (AML) and Compliance

6.1 Scope and Legal Framework

All engagements with Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) are strictly subject to Anti-Money Laundering (AML), Counter-Terrorist Financing (CFT), and compliance obligations in accordance with:

• UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and Illegal Organisations (“UAE AML Law”).
• Regulations and guidelines issued by the UAE Central Bank and other competent regulatory authorities.
• Meydan Free Zone Authority rules and compliance mandates for financial services operations within the Free Zone.
• International standards, including the Financial Action Task Force (FATF) Recommendations, UN sanctions, and other globally recognized anti-financial crime protocols.

Epiidosis implements a risk-based approach to ensure full compliance with all applicable legal and regulatory obligations, including customer due diligence, transaction monitoring, record-keeping, and reporting of suspicious activities.

6.2 Client Obligations and Documentation

Before commencing any engagement, clients are required to provide complete and accurate documentation for AML/CFT compliance purposes. Such documentation may include, but is not limited to:

• Identity Verification

  • Government-issued identification documents (e.g., passport, national ID, or UAE residency permit).
  • For corporate clients: Certificate of incorporation, memorandum and articles of association, company register extracts, and any information regarding ultimate beneficial owners (UBOs).

• Source of Funds and Wealth

  • Bank statements, audited financial statements, investment statements, or other evidence demonstrating the origin of funds to be used in the engagement.

• Purpose and Nature of Business Relationship

  • Written explanation of the intended purpose, structure, and nature of the engagement.
  • Details of expected transaction types, volumes, and counterparts involved.

• Enhanced Due Diligence (EDD) Requirements

  • Additional documentation may be requested for high-risk clients, including Politically Exposed Persons (PEPs), clients from high-risk jurisdictions, or clients with complex corporate structures.
  • Senior management approval may be required before onboarding such clients.

Clients must respond promptly and accurately to requests for documentation. Failure to do so may delay, limit, or prevent the provision of services.

6.3 Epiidosis Rights and Compliance Measures

Epiidosis reserves the right to:

• Refuse to accept or terminate any engagement if AML/CFT obligations are not met or if documentation provided is inadequate, inconsistent, or fraudulent.
• Conduct ongoing monitoring of transactions and client activities to identify suspicious behavior or unusual patterns, in accordance with applicable laws.
• Report suspicious activities to the UAE Financial Intelligence Unit (FIU) or other competent authorities, maintaining confidentiality of reporting individuals and sensitive information.
• Perform periodic reviews and audits of client information to ensure continued compliance with regulatory and internal risk management requirements.

6.4 Consequences of Non-Compliance

Failure to comply with AML/CFT obligations may result in:

• Immediate termination of services and refusal of new engagements.
• Reporting of suspicious or non-compliant activity to regulatory authorities, as mandated by law.
• Legal consequences under UAE AML Law, Meydan Free Zone regulations, and applicable international financial crime laws, including civil and criminal liability.

Clients acknowledge and agree that Epiidosis will not be liable for any consequences arising from their failure to provide accurate documentation or comply with AML/CFT obligations.

6.5 References and Full Policy

For full details on Epiidosis’ Anti-Money Laundering and Compliance framework, please review our AML & Compliance Policy. This policy provides comprehensive guidance on:

• Client due diligence procedures (CDD/EDD)
• Transaction monitoring and reporting
• Record-keeping requirements
• Sanctions screening and risk assessment
• Staff training and governance structures

6.6 Acknowledgment

By engaging Epiidosis, you explicitly acknowledge that you:

• Have read and understood your AML/CFT obligations.
• Consent to the collection, verification, and monitoring of your personal, corporate, and financial information for compliance purposes.
• Agree that Epiidosis may take any necessary steps to ensure regulatory compliance, including refusal or termination of services.

7. Intellectual Property Rights

7.1 Ownership of Intellectual Property

All intellectual property (IP), including but not limited to:

• Reports, research, analyses, and financial models
• Methodologies, frameworks, templates, and tools
• Digital content, software, code, visual designs, logos, and branding
• Written, audio, or video materials provided in connection with Services (collectively, the “Materials”) remain the sole and exclusive property of Epiidosis Global Finance LLC-FZ (“Epiidosis”) unless otherwise explicitly agreed in writing.

The Client acknowledges and agrees that no title, ownership, or proprietary rights in the Materials are transferred or assigned to the Client by virtue of use, access, or engagement, except as expressly provided in these Terms or a written Engagement Agreement.

All trademarks, service marks, logos, trade names, or domain names used by Epiidosis are the exclusive property of Epiidosis and may not be used, reproduced, or modified without prior written consent.

7.2 License Grant to the Client

Subject to compliance with these Terms and full payment of fees, Epiidosis grants the Client a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Materials solely for the specific purpose agreed in the Engagement Agreement.

The license does not permit the Client to:

• Reproduce, distribute, transmit, or publicly display the Materials beyond the scope of the agreed engagement.
• Modify, adapt, create derivative works, or commercialize the Materials.
• Grant third parties access, sublicense, or otherwise transfer any rights to the Materials.

The Client shall ensure that any permitted use of the Materials strictly aligns with the intended purpose, and the Materials are not used in any manner that could violate laws, infringe third-party rights, or compromise confidentiality.

7.3 Restrictions and Prohibited Actions

Without prior written consent from Epiidosis, the Client shall not:

• Copy, reproduce, duplicate, or distribute the Materials, in whole or in part.
• Publish, display, or broadcast the Materials in any public forum, media, or online platform.
• Alter, adapt, translate, or create derivative works from the Materials.
• Sell, lease, license, or otherwise commercially exploit the Materials.
• Remove, obscure, or alter any copyright, trademark, or proprietary notices embedded in the Materials.
• Use the Materials to misrepresent affiliation with Epiidosis or imply endorsement of any products, services, or content not authorized.

7.4 Intellectual Property Protection Measures

The Client agrees to take all reasonable steps to protect Epiidosis’ IP, including:

• Limiting access to authorized personnel only.
• Implementing appropriate data security measures.
• Promptly notifying Epiidosis of any unauthorized use, disclosure, or infringement.

Epiidosis reserves the right to enforce its intellectual property rights through legal action, including claims for injunctive relief, damages, and recovery of costs in accordance with UAE law and international IP treaties.

7.5 Termination of License

The Client’s license to use the Materials automatically terminates upon:

• Completion or termination of the Engagement Agreement.
• Breach of these Terms or failure to pay applicable fees.
• Written notice by Epiidosis revoking the license.

Upon termination, the Client shall immediately cease all use of the Materials, return or securely destroy all copies (physical and digital), and certify in writing to Epiidosis that no Materials have been retained.

7.6 Indemnity

The Client agrees to indemnify, defend, and hold harmless Epiidosis, its officers, employees, and agents, from any claims, losses, or damages arising from:

• Unauthorized use, reproduction, or disclosure of the Materials.
• Violation of third-party intellectual property rights resulting from misuse of the Materials.
• Breach of this Intellectual Property Rights clause.

7.7 Governing Law and Jurisdiction

This clause, and any disputes arising from the use of Epiidosis’ intellectual property, shall be governed by the laws of the United Arab Emirates, including applicable UAE Federal IP laws and Meydan Free Zone Authority regulations.

Disputes shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE, or alternative dispute resolution mechanisms agreed by the parties.

8. Limitation of Liability

8.1 Scope of Liability Limitation

To the maximum extent permitted by applicable law, including the laws of the United Arab Emirates, Meydan Free Zone Authority regulations, and any relevant international legal frameworks:

• Indirect or Consequential Damages

  • Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) shall not be liable for any indirect, incidental, consequential, exemplary, special, or punitive damages.
  • This includes, without limitation, loss of revenue, profits, business opportunities, goodwill, anticipated savings, or data, whether arising from breach of contract, tort (including negligence), strict liability, or otherwise.

• Reliance on Services

  • Services provided by Epiidosis are based on professional judgment, reasonable skill, and expertise.
  • No warranty, guarantee, or assurance is made regarding:
    • Investment performance or returns.
    • Regulatory approvals or governmental consents.
    • Market outcomes, business growth, or profitability.
  • Clients acknowledge that all decisions made based on our advice, analysis, or recommendations are made at their own risk.

• Aggregate Liability Cap

  • The total aggregate liability of Epiidosis, its directors, officers, employees, agents, and contractors, arising out of or in connection with any engagement, contract, or use of Services shall not exceed the total fees actually paid by the Client for that specific engagement.
  • This cap applies regardless of the number of claims, causes of action, or legal theories, and whether liability arises in contract, tort (including negligence), statute, or otherwise.

• Exclusions to Extent Permitted by Law

  • Nothing in these Terms limits or excludes liability to the extent prohibited by applicable law, including:
    • Liability for death or personal injury caused by negligence.
    • Fraud or fraudulent misrepresentation.
    • Breach of mandatory statutory obligations that cannot be limited or excluded under UAE law or Meydan Free Zone regulations.
  • Any provisions found unenforceable by a court or regulatory authority shall be severed, with remaining provisions continuing in full force.

8.2 Client Acknowledgment of Risk

By using our Services, the Client acknowledges and accepts that:

• Outcomes may vary due to market conditions, regulatory changes, or third-party factors outside Epiidosis’ control.
• Epiidosis is not responsible for errors, omissions, or delays in information, analysis, or advice provided.
• Clients retain full responsibility for decisions, actions, and implementation of any strategies, plans, or recommendations provided by Epiidosis.

8.3 Professional Judgment Disclaimer

All advice, reports, analyses, or deliverables are provided based on:

• Current information available at the time of provision.
• Reasonable professional judgment consistent with industry standards.
• No representation, warranty, or guarantee, express or implied, is made regarding the accuracy, completeness, or fitness for a particular purpose of any information provided.

8.4 Third-Party Services and Dependencies

Where Services involve third-party products, tools, or service providers, Epiidosis is not responsible for the performance, accuracy, availability, or outcomes of such third-party services.

Clients are responsible for reviewing and understanding the terms, conditions, and limitations of all third-party services used in conjunction with our Services.

9. Disclaimers

9.1 General Nature of Services

All services, communications, materials, recommendations, or information provided by Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) are strictly for informational purposes and are intended to support decision-making.

Epiidosis does not provide legal, tax, or investment advice unless explicitly stated in a written Engagement Agreement executed with the Client.

Any use of information provided by Epiidosis is at the sole risk of the Client. The Client acknowledges that services are based on professional judgment, publicly available information, and internal research, which may be subject to limitations or uncertainties.

9.2 No Guarantee of Outcomes

Epiidosis does not guarantee any specific financial, investment, or business outcomes.

Past performance, analyses, or projections provided by Epiidosis cannot be relied upon as an assurance of future results.

Clients should be aware that all financial, corporate, and strategic decisions carry inherent risks, including potential loss of capital, changes in market conditions, or adverse regulatory impacts.

9.3 Regulatory, Market, and Jurisdictional Limitations

Regulatory requirements, taxation frameworks, and compliance obligations may vary across jurisdictions. Epiidosis Services are primarily tailored to UAE laws, Meydan Free Zone regulations, and relevant international standards.

Changes in legislation, regulatory guidance, financial rules, or government policies may affect the applicability, validity, or effectiveness of the information or advice provided.

Clients are responsible for identifying and complying with local laws, regulations, and industry guidelines applicable in their own jurisdiction, including but not limited to:

• UAE Federal Laws, decrees, and ministerial resolutions
• Free zone regulations, including Meydan Free Zone Authority requirements
• International financial regulations and reporting obligations

9.4 Client Responsibility and Independent Verification

Clients acknowledge that they retain full responsibility for all decisions, actions, or inactions based on Epiidosis services or communications.

Clients are encouraged to seek independent professional advice (legal, tax, regulatory, or financial) prior to acting on any information provided by Epiidosis.

Epiidosis assumes no liability for decisions or actions taken by the Client based on information, advice, or recommendations provided in any form, including emails, reports, presentations, or verbal communications.

9.5 Third-Party Information

Any data, analysis, or recommendations obtained from third-party sources and shared by Epiidosis are provided without warranty or endorsement of accuracy, completeness, or reliability.

Clients should independently verify third-party information and exercise professional judgment before incorporating it into business decisions.

9.6 Limitation of Liability Regarding Disclaimers

To the maximum extent permitted by law, Epiidosis shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from reliance on services, advice, or information provided.

This limitation applies even if Epiidosis has been advised of the possibility of such damages or losses.

9.7 Transparency and Acknowledgment

By using Epiidosis services, the Client explicitly acknowledges understanding that:

• Services are informational only
• Outcomes are not guaranteed
• Regulatory and market environments may change
• Clients retain full responsibility for compliance and decision-making
• Clients accept that Epiidosis does not provide individualized legal, tax, or investment guidance unless specifically confirmed in writing.

10. Termination

10.1 Termination by Either Party

• Mutual Right: Either you (the Client) or Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) may terminate the provision of Services at any time in accordance with the terms specified in the Engagement Agreement or any applicable written agreement governing the Services.
• Notice Requirements: Termination must generally be effected in writing, via email, registered post, or any other formal communication method specified in the Engagement Agreement. Notice periods, if any, will be observed as stipulated.
• Discretionary Termination: Epiidosis reserves the right to suspend or terminate Services immediately in cases of:

• Material breach of the Engagement Agreement or Terms and Conditions
• Failure to provide required documentation, information, or regulatory compliance disclosures
• Non-payment of fees, taxes, or other financial obligations
• Engagement in fraudulent, illegal, or unethical activities
• Situations where continuation of Services may expose Epiidosis to legal, regulatory, or reputational risk

10.2 Consequences of Termination

10.2.1 Payment Obligations

Upon termination, all outstanding fees, charges, or expenses accrued up to the effective termination date become immediately payable.

Clients remain responsible for any costs incurred, third-party fees, or reimbursable expenses relating to Services provided prior to termination.

Any late or outstanding payments may incur interest or penalties as permitted by UAE law and as detailed in the Engagement Agreement.

10.2.2 Survival of Obligations

Certain obligations survive termination of the Services, including but not limited to:

• Confidentiality Obligations: All non-public information, proprietary data, and trade secrets disclosed during the engagement remain subject to confidentiality obligations as outlined in the Terms and the Engagement Agreement.
• Intellectual Property Rights: All intellectual property, including reports, tools, methodologies, templates, or proprietary materials provided by Epiidosis, remain the exclusive property of Epiidosis unless otherwise agreed in writing. The Client retains only the limited, non-transferable license expressly granted for permitted use.
• Regulatory Compliance Obligations: Any requirements for retention of records, KYC/AML documentation, and reporting as mandated by UAE law, Meydan Free Zone Authority regulations, or international standards remain binding.

10.2.3 Accrued Rights and Liabilities

Termination does not affect accrued rights or liabilities of either party. This includes:

• Rights to payment for Services rendered prior to termination
• Liability for breaches of the Engagement Agreement, Terms, or applicable law
• Rights to seek remedies or enforce claims under contractual or statutory provisions

10.3 Termination for Cause vs. Without Cause

• Termination for Cause: If either party materially breaches the Engagement Agreement or violates applicable law, the non-breaching party may terminate the Services immediately upon written notice.
• Termination Without Cause: Where no breach exists, either party may terminate the Services by providing reasonable notice as specified in the Engagement Agreement.

10.4 Post-Termination Cooperation

Upon termination, both parties shall cooperate reasonably to:

• Ensure an orderly handover or return of information and documentation
• Close out outstanding matters in a timely and professional manner
• Maintain continuity for any ongoing regulatory or compliance obligations

10.5 Legal and Regulatory Considerations

Termination shall be executed in full compliance with UAE law, including Federal Commercial Companies Law, Meydan Free Zone regulations, and any other applicable federal or local legislation.

Termination shall not waive or limit the rights of either party to pursue legal remedies for breaches, non-performance, or violations of applicable law.

11. Force Majeure

11.1 Definition of Force Majeure

For the purposes of these Terms, a Force Majeure event is any event or circumstance that:

• Is beyond the reasonable control of the affected party;
• Could not have been reasonably foreseen, prevented, or mitigated despite exercising due diligence; and
• Directly prevents, delays, or materially hinders the performance of obligations under these Terms or any related Engagement Agreement.

Examples of Force Majeure events include, but are not limited to:

• Natural disasters (e.g., earthquakes, floods, hurricanes, tsunamis, fires)
• Acts of terrorism, war, civil unrest, or armed conflict
• Governmental actions, regulations, decrees, embargoes, sanctions, or moratoria
• Labor strikes, lockouts, or industrial disputes beyond the party’s control
• Epidemics, pandemics, or public health emergencies
• Failure of public utilities or infrastructure, including electricity, water, internet, or telecommunications
• Cyberattacks, system failures, or other technical disruptions beyond reasonable control

11.2 Effects of Force Majeure

• Suspension of Obligations: The affected party shall be temporarily excused from performing obligations affected by the Force Majeure event for the duration of the event.
• No Liability: Neither party shall be held liable for delays, partial performance, or non-performance caused by the Force Majeure event, provided that all reasonable mitigation measures are taken.
• Mitigation Requirement: The affected party must use commercially reasonable efforts to mitigate the impact, resume performance, and minimize any adverse effects on the other party.

11.3 Notification Requirements

The affected party must notify the other party promptly, in writing or via electronic communication, within a reasonable period of becoming aware of the Force Majeure event.

The notification must include:

• Detailed description of the Force Majeure event;
• Expected impact on performance of obligations;
• Estimated duration of delay or suspension;
• Actions being taken to mitigate the effects.

Failure to provide timely notification may invalidate reliance on Force Majeure protections.

11.4 Duration and Termination Rights

If the Force Majeure event continues for an extended period (e.g., 30–90 days or as specified in the Engagement Agreement), either party may have the right to terminate the agreement without liability, except for obligations accrued prior to the event.

Termination under this clause does not affect accrued rights, fees, or obligations incurred prior to the Force Majeure event.

11.5 Risk Allocation and Legal Compliance

Each party retains responsibility for obligations to the extent not affected by the Force Majeure event.

Parties must comply with all applicable UAE laws, Meydan Free Zone Authority regulations, and international legal standards while invoking this clause.

Nothing in this clause relieves either party from compliance with regulatory requirements, such as AML/CFT obligations, reporting duties, or legal notifications, unless compliance is directly prevented by the Force Majeure event.

11.6 Continuity Planning

Both parties are encouraged to maintain reasonable contingency and continuity plans to minimize disruption during Force Majeure events.

Where possible, alternative methods of performance, remote operations, or partial fulfillment should be explored to reduce the impact on services.

11.7 Governing Principles

This Force Majeure clause is without prejudice to other rights, remedies, or limitations provided under these Terms or applicable law.

Invocation of Force Majeure must be in good faith; misuse to avoid contractual obligations may result in legal consequences under UAE law.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms of Use, any Engagement Agreements, and all Services provided by Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) are governed by and construed in accordance with the laws of the United Arab Emirates (UAE), including applicable federal laws, regulations issued by the UAE Central Bank, and the rules of the Meydan Free Zone Authority where Epiidosis is licensed.

The governing law applies to all aspects of the contractual relationship, including:

• Interpretation and enforceability of agreements
• Rights, obligations, and duties of the parties
• Regulatory compliance and statutory requirements
• Intellectual property rights, confidentiality, and data protection obligations

Any references to international standards or practices (e.g., FATF, GDPR, or global financial advisory norms) are incorporated solely to supplement compliance obligations and do not override UAE law.

12.2 Dispute Resolution Framework

In the event of any dispute, claim, controversy, or disagreement arising out of, relating to, or in connection with these Terms, any Engagement Agreement, or the provision of Services (collectively, a “Dispute”), the following framework applies:

12.2.1 Good Faith Negotiation

Parties must first seek to resolve the Dispute amicably through direct negotiations conducted in good faith.

• Such negotiations must be initiated by written notice from one party to the other, specifying the nature of the dispute and desired remedies.
• The negotiation period shall continue for a minimum of 30 calendar days unless extended by mutual written agreement.

12.2.2 Mediation

If the Dispute is not resolved through negotiation, the parties agree to attempt mediation using a neutral, independent mediator acceptable to both parties.

• Mediation shall be conducted in Dubai, UAE, unless otherwise mutually agreed.
• Each party shall bear its own costs for participation, while the fees of the mediator shall be shared equally unless otherwise agreed.
• Mediation outcomes are non-binding, but the parties shall act in good faith to reach a mutually acceptable resolution.

12.3 Exclusive Jurisdiction of Courts

If the Dispute cannot be resolved through negotiation or mediation, it shall be finally and exclusively resolved by the competent courts of Dubai, United Arab Emirates.

• The parties irrevocably submit to the exclusive jurisdiction and venue of these courts, and waive any objection to jurisdiction based on forum non conveniens or similar grounds.
• Court proceedings may include claims for:
  • Breach of contract or engagement obligations
  • Payment disputes or fee recovery
  • Enforcement of intellectual property, confidentiality, and data protection obligations
  • Regulatory compliance matters or sanctions-related disputes

12.4 Interim Measures and Injunctive Relief

Nothing in this clause limits either party’s right to seek interim, interlocutory, or injunctive relief from courts of competent jurisdiction to protect its rights, property, or interests pending the resolution of a Dispute.

12.5 Compliance with Applicable Laws

Both parties agree to comply with all applicable UAE laws and regulations, including but not limited to:

• UAE Civil Code provisions on contracts and obligations
• Meydan Free Zone Authority rules on dispute resolution
• UAE Federal Laws on commercial and financial transactions
• Applicable anti-money laundering and counter-terrorism financing regulations

12.6 Arbitration Option (Optional Clause for Certain Disputes)

Certain commercial disputes may, by mutual written agreement, be submitted to arbitration under the rules of a recognized UAE arbitration center, such as the Dubai International Arbitration Centre (DIAC).

• Arbitration proceedings shall be conducted in English or Arabic as agreed, with the arbitrator’s award being final, binding, and enforceable under UAE law.

12.7 Record Keeping and Evidence

Both parties agree to retain complete and accurate records of transactions, communications, and agreements relevant to any potential Dispute, in compliance with UAE regulatory record-keeping requirements.

• Such records may be relied upon in good faith for negotiation, mediation, arbitration, or court proceedings.

12.8 Acknowledgment of Legal Consequences

By agreeing to these Terms, the Client acknowledges and accepts that:

• UAE law governs all aspects of their engagement with Epiidosis.
• Any legal action must be initiated exclusively in Dubai courts, subject to UAE procedural rules.
• Alternative dispute resolution mechanisms (negotiation, mediation, arbitration) are mandatory steps before litigation, unless waived by mutual agreement or as required for urgent relief.

13. Amendments and Updates to Terms

13.1 Right to Amend

Epiidosis Global Finance LLC-FZ (“Epiidosis,” “we,” “us,” or “our”) reserves the right to update, modify, or amend these Terms of Use, including any referenced policies, procedures, and related agreements, at any time.

Amendments may be made to reflect:

• Changes in laws, regulations, or licensing requirements (including UAE federal laws, Meydan Free Zone Authority mandates, or international compliance standards)
• Updates in operational practices, services, or technology
• Enhancements to data protection, privacy, or AML/CFT compliance measures
• Corrections of errors or clarifications for legal certainty

13.2 Publication and Communication of Changes

All updates will be posted prominently on our website at https://epiidosisglobalfin.com/legal/terms, with the “Effective Date” clearly indicated.

Significant changes that materially affect Client rights, obligations, or service delivery will also be communicated directly via:

• Email notifications to registered Clients
• Official postal correspondence where applicable
• Notices within digital platforms or client portals

13.3 Continued Use as Acceptance

By continuing to access or use the Services after any updates or modifications, you explicitly acknowledge and accept the revised Terms.

Continued use constitutes legally binding consent under UAE law, including obligations to:

• Comply with updated service rules, operational procedures, and policies
• Maintain accurate records and information for compliance and engagement purposes
• Recognize any changes to fees, liability limitations, dispute resolution procedures, or intellectual property rights

13.4 Client Rights Regarding Amendments

Clients have the right to:

• Review all amendments before continuing use of Services
• Opt to terminate engagement if they do not agree to the revised Terms, subject to Engagement Agreement terms
• Request clarification or additional information regarding any changes by contacting our legal team at legal@epiidosisglobalfin.com

13.5 Record-Keeping and Audit Compliance

Epiidosis will maintain records of all amendments, including:

• Original Terms and prior versions
• Effective dates and publication notices
• Communications sent to Clients regarding material changes

These records may be retained and produced for regulatory inspections, audits, dispute resolution, or legal proceedings to demonstrate transparency and compliance with UAE and international standards.

13.6 Governing Legal Effect

Any amendments shall not retroactively alter obligations already performed unless explicitly stated.

Changes are intended to ensure continuous compliance with UAE federal law, Meydan Free Zone requirements, and applicable international legal frameworks.

By remaining a Client or user of Services after an amendment, you legally accept full responsibility for complying with the revised Terms.

14. Links to Policies

To ensure full transparency and compliance with applicable data protection, anti-money laundering, and regulatory standards, the following policies are incorporated by reference into these Terms. By using our website or Services, you explicitly consent to the applicability of these policies:

• Privacy Policy – https://epiidosisglobalfin.com/legal/privacy

  • Explains the types of personal data we collect, how we process and store your information, your rights under UAE PDPL, GDPR, and other international privacy laws, and the measures we take to safeguard your personal and business data.
  • Includes provisions for data access, correction, erasure, portability, withdrawal of consent, and complaint procedures.

• AML & Compliance Policy – https://epiidosisglobalfin.com/legal/aml

  • Describes our commitment to preventing money laundering, terrorist financing, and financial crimes.
  • Details our Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) procedures, transaction monitoring, suspicious transaction reporting (STR), sanctions screening, risk assessment, and record-keeping obligations in accordance with UAE Federal AML Law, Meydan Free Zone Authority requirements, and FATF standards.

• Terms of Use Policy – https://epiidosisglobalfin.com/legal/terms

  • Defines the scope of Services, engagement rules, client obligations, disclaimers, limitations of liability, intellectual property rights, and governing law.
  • Establishes the legal relationship between Epiidosis and the user, including acknowledgment of risk, compliance with UAE laws, and consent to modifications.

Your use of our Services constitutes explicit acknowledgment that you have read, understood, and accepted these policies, and agree to be bound by all obligations, responsibilities, and rights described therein.

15. Contact Information

For any questions, clarifications, complaints, or legal notices relating to these Terms or your use of our website and Services, you may contact us through the following channels. All correspondence will be handled promptly, securely, and in accordance with applicable laws and regulatory requirements:

• Epiidosis Global Finance LLC-FZ
  • Email: legal@epiidosisglobalfin.com Use this channel for legal inquiries, policy clarifications, reporting breaches, or submitting notices related to website usage.
  • Phone: +971 52398 1350 For direct assistance, guidance, or escalation of concerns regarding compliance, Terms of Use, or service delivery.
  • Postal Correspondence: Epiidosis Global Finance LLC-FZ Meydan Grandstand, 6th Floor Meydan Road, Nad Al Sheba Dubai, U.A.E. For submission of formal letters, requests for verification, legal notices, or official documentation.

All postal communications are considered received upon documented delivery and will be treated confidentially.

• Note: All communications may be retained for regulatory, audit, compliance, or dispute resolution purposes in accordance with UAE law, Meydan Free Zone Authority requirements, and international best practices.

16. Acknowledgment

By accessing or using our website and Services, you explicitly acknowledge, accept, and consent to the following:

• You have read, understood, and agreed to these Terms of Use, including all clauses, disclaimers, obligations, and limitations of liability.
• You have reviewed and consent to be bound by the following incorporated policies:
  • Privacy Policy: https://epiidosisglobalfin.com/legal/privacy
  • AML & Compliance Policy: https://epiidosisglobalfin.com/legal/aml
  • Terms of Use: https://epiidosisglobalfin.com/legal/terms

Your acknowledgment constitutes legally binding consent under UAE Federal law, Meydan Free Zone Authority regulations, and applicable international standards, including GDPR where applicable.

You understand that your continued use of our Services signifies reaffirmed consent to any updates or amendments to these Terms or referenced policies.

You accept that this acknowledgment creates a binding legal record of consent and may be used for compliance, regulatory reporting, dispute resolution, or auditing purposes.

Effect: By using our Services after reading these Terms and referenced policies, you agree to fully comply with all legal, regulatory, and contractual obligations defined herein.