Terms of Service

Effective Date: April 29, 2025
Issued by: Epiidosis Global Finance LLC-FZ
Legal Form: Limited Liability Company (LLC)
Licensed under: Meydan Free Zone Authority, Dubai, United Arab Emirates

1. Introduction

Welcome to epiidosisglobalfin.com, the official website of Epiidosis Global Finance LLC-FZ (“Epiidosis”, “we”, “us”, or “our”). By accessing or using this Website, you agree to comply with these Terms of Service (“Terms”). These Terms govern your access and use of this Website, its content, forms, communications, and services provided through or related to it.

This Website is intended for professional use, including the collection of business and personal information necessary for preliminary assessments, digital interactions, third-party referrals, compliance verification, and analytical tools related to Epiidosis’ licensed activities.

2. Legal Basis & Regulatory Jurisdiction

Epiidosis Global Finance LLC-FZ (“Epiidosis”) is a duly registered and licensed financial services entity operating under the legal and regulatory oversight of the Meydan Free Zone Authority, Dubai, United Arab Emirates. All operations, digital interfaces, client communications, and data processing activities conducted via this Website and associated tools are governed by the relevant laws, decrees, and regulations applicable within the UAE and adhere to globally recognized standards for legal, financial, and data compliance.

2.1 UAE Domestic Legal Compliance

Epiidosis conducts its business in strict compliance with the following federal laws and legal frameworks:

Federal Law No. 32 of 2021 on Commercial Companies
This law governs the corporate structure, licensing, governance, liability, and obligations of commercial entities operating within the UAE. As a Limited Liability Company (LLC), Epiidosis adheres to all corporate governance, transparency, and reporting obligations under this law, including board responsibilities, disclosure of beneficial ownership, and financial controls.
Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL)
This comprehensive data protection framework outlines the rights of data subjects, the lawful basis for data collection and processing, cross-border data transfer limitations, consent requirements, and cybersecurity obligations. Epiidosis applies all safeguards, risk assessments, and technical controls necessary to ensure the confidentiality, integrity, and lawful processing of all personal and sensitive information, whether collected digitally or through engagement channels.
Federal Decree-Law No. 34 of 2021 on Combatting Rumors and Cybercrimes
This law criminalizes unauthorized access, digital impersonation, phishing, and misuse of information systems. Epiidosis implements advanced digital security and monitoring systems to prevent, detect, and report any unauthorized intrusion attempts or misuse of its digital infrastructure in accordance with this statute.
Cabinet Decisions and Executive Regulations
Epiidosis complies with all implementing regulations issued by the UAE Cabinet, including those governing financial services activity, anti-money laundering and counter-terrorism financing (AML/CFT), consumer protection, marketing of financial services, and cross-border cooperation.

2.2 International Compliance & Best Practices

In addition to national law, Epiidosis voluntarily aligns its internal policies and procedures with internationally accepted standards and frameworks, including:

General Data Protection Regulation (GDPR – European Union)
Although not an EU entity, Epiidosis applies GDPR principles to all interactions with data subjects in the European Economic Area (EEA), including lawful processing, purpose limitation, data minimization, subject access rights, and data breach notification protocols.
OECD Data Governance and Cross-Border Data Principles
Epiidosis supports responsible innovation and data use in line with OECD’s guidelines on accountability, openness, purpose specification, and security safeguards.
Financial Action Task Force (FATF) Recommendations
Epiidosis adheres to the FATF’s 40 recommendations for AML/CFT compliance, including customer due diligence (CDD), enhanced due diligence for high-risk clients, suspicious transaction monitoring, recordkeeping, and internal training procedures.

2.3 Jurisdiction and Dispute Resolution

These Terms of Service and any non-contractual obligations arising from or in connection with the use of this Website shall be governed by and construed in accordance with the laws of the United Arab Emirates, specifically those applicable to entities licensed within the Meydan Free Zone.

Unless otherwise agreed in writing, all disputes, claims, controversies, or differences that may arise out of or in relation to the use of this Website, including those pertaining to data handling, information sharing, or digital interaction, shall be subject to the exclusive jurisdiction of the Courts of Dubai.

Epiidosis reserves the right, at its sole discretion, to opt for arbitration under the rules of the Dubai International Arbitration Centre (DIAC) or any other recognized arbitration body, with proceedings conducted in English and the laws of the UAE as the governing law.

3. Scope of Use

The Website epiidosisglobalfin.com is developed and maintained by Epiidosis Global Finance LLC-FZ as a professional and informational digital platform. Its usage is governed strictly by the intended purposes described herein, and any access or interaction outside these permitted scopes may constitute a breach of these Terms and applicable laws.

3.1 Permitted Objectives of the Website

The Website is intended exclusively for the following lawful, regulated, and authorized purposes:

a. Information Dissemination

To provide accurate, structured, and legally permissible content regarding the nature, scope, and framework of services offered by Epiidosis Global Finance LLC-FZ. This includes but is not limited to:

Service categories aligned with our licensed activities
Strategic focus areas in financial services, investment advisory, and compliance consulting
Corporate philosophy, management profile, and regulated jurisdictions of operation
Press releases, insights, publications, and other publicly accessible knowledge resources

b. Collection of Personal and Business Information

To digitally collect and temporarily store non-sensitive personal and professional data from visitors or prospects through secure web forms and embedded widgets for purposes such as:

Initiating contact or callback requests
Registering interest in a specific investment opportunity or jurisdiction
Submitting a request for advisory, evaluation, or project partnership
Entering factual business profile details for preliminary eligibility analysis

Information collected shall be limited to what is strictly necessary for initial review or routing, and will never include banking credentials, passport scans, or tax filings directly via this website.

c. Preliminary Engagement with Stakeholders

To serve as an interface enabling potential engagement between Epiidosis and various categories of stakeholders, including:

Private and institutional investors
Professional advisors, service providers, and consultants
Business owners, startup founders, or representatives of capital-seeking ventures
Government or semi-government bodies exploring collaboration or investment facilitation

Any such engagement remains non-binding until formalized via duly executed contracts or onboarding documentation.

d. Communication Facilitation

To enable controlled, traceable communication with or between Epiidosis and:

Its regulated affiliates, licensed introducers, or regional partners
Legal, financial, and compliance service vendors pre-approved under strict NDAs
External platforms or tools embedded into the website interface (e.g., calendar schedulers, chatbot assistance, or lead management tools)

Epiidosis may use this channel to provide acknowledgment emails, issue disclaimers, share preliminary documents (e.g., pitch templates), or route the user to follow-up mechanisms outside this domain.

e. Tool-based Data Analysis and Reporting

To allow users to voluntarily input business-related information into forms and frameworks that may use automated or semi-automated tools to:

Generate indicative eligibility assessments or service match reports
Offer custom onboarding recommendations based on jurisdictional fit or regulatory readiness
Perform risk and compliance pre-screening based on user-submitted facts
Evaluate initial investment interests and provide algorithmically suggested pathways

These tools are for indicative purposes only, are not substitutes for legal or financial advice, and are subject to further review and correction by qualified professionals.

3.2 Excluded Uses and Prohibited Assumptions

The Website is not designed, authorized, or permitted for any of the following actions or assumptions:

It is not a banking platform: Users cannot initiate, authorize, or conduct financial transactions, account openings, remittances, or digital onboarding with any regulated financial institution through this portal.
It is not a securities marketplace: This Website does not offer securities for sale, seek public investment, or act as a placement agent or investment platform under DIFC/SCA or any global securities law.
It is not a transactional portal: No contracts, payment gateways, e-signature systems, or formal financial transactions are enabled through this interface. All agreements must be executed offline or through a secured, licensed intermediary system.
It is not a customer onboarding system: The Website does not fulfill the legal, compliance, or KYC obligations required for account onboarding, and any data submitted is for preliminary evaluation only.

3.3 Legal Notice on Scope

Any use of this Website beyond the expressly permitted scope above shall be considered unauthorized, and Epiidosis reserves the right to:

Suspend or block access
Log and investigate the activity
Notify relevant UAE or international authorities if applicable
Initiate legal proceedings for misuse, misrepresentation, or harm caused by improper access or assumptions

The use of this Website must align strictly with its intended function as a secure, controlled interface for non-transactional, informational, and professionally guided engagement only.

4. Eligibility

Access to and use of this Website and any related tools, forms, or communication channels offered by Epiidosis Global Finance LLC-FZ (“Epiidosis”) is strictly limited to users who fully meet all of the following conditions:

4.1 Minimum Age and Legal Capacity

You must be at least 18 years of age or the legal age of majority in your jurisdiction, whichever is greater. By accessing the Website, you represent and warrant that you possess the legal capacity, full civil competence, and unrestricted mental faculties necessary to enter into binding agreements under the laws of your jurisdiction. You may not use this Website if you are a minor, declared legally incompetent, or acting under duress or coercion.

4.2 Sanctions and Compliance Eligibility

You must not be subject to sanctions, trade embargoes, asset freezes, or other restrictive measures imposed by the United Arab Emirates, the United Nations Security Council, the European Union, the United States Department of the Treasury (OFAC), or any other competent international or national authority. You further confirm that neither you nor any entity you represent appears on any prohibited, restricted, or denied persons list, and that your jurisdiction of residence does not prohibit interaction with UAE-based financial service providers.

Epiidosis reserves the right to screen users through internal or external watchlist databases. If any red flag or restricted entity match is found, we may block access, report the matter to authorities, and preserve related evidence for compliance purposes.

4.3 Authorization and Representation

If you are submitting information or interacting on behalf of another individual or legal entity (such as a company, trust, SPV, or partnership), you must have full legal authority to represent, bind, or communicate on behalf of that entity. Misrepresentation of authority, agency, or corporate affiliation will be deemed a material breach and may result in civil liability or criminal prosecution.

4.4 Lawful and Ethical Use

You must agree to use this Website only for lawful, ethical, and transparent purposes. Your actions must not involve:

Submission of false, misleading, or fraudulent information
Attempted circumvention of due diligence or regulatory frameworks
Any conduct likely to cause reputational, legal, or financial harm to Epiidosis, its partners, or the general public
Unauthorized data access, manipulation, or extraction

You agree not to use this Website in any manner that would constitute a violation of applicable civil, criminal, data protection, anti-money laundering, or anti-terrorism laws in any jurisdiction.

4.5 Consequences of Ineligibility or Breach

Failure to comply with the above eligibility conditions shall entitle Epiidosis to take immediate and proportionate corrective actions, including but not limited to:

Temporary or permanent suspension of access to the Website and all related services
Internal flagging and escalation to our Compliance or Legal Department
Reporting to competent local and international authorities, including law enforcement, financial intelligence units (FIUs), or regulatory agencies
Preservation and sharing of records and IP data for investigatory purposes
Initiation of civil proceedings or criminal referrals, as permitted by UAE and applicable foreign law

Epiidosis reserves the right to refuse service, deny access, or cease communication at its sole discretion if it has reason to believe that a user does not meet the eligibility criteria, poses a risk to its operations, or seeks to misuse the platform in any way.

5. Collection and Use of Information

5.1 Categories of Information We Collect

By accessing or using this Website, you expressly consent to the collection, use, storage, processing, and transfer of the following types of information by Epiidosis Global Finance LLC-FZ (“Epiidosis”, “we”, “our”) for lawful, specified, and legitimate business purposes:

a) Personal Data

Information that may directly or indirectly identify you as an individual, including but not limited to:

Full name
Email address
Phone number
Country of residence or nationality
Employment title or position
Identification of preferred language or communication method

b) Business or Organizational Information

Data related to the company, institution, or entity you represent, including:

Legal or trade name of the business
Corporate structure or business category
Sector of financial, commercial, or industrial activity
Geographic markets and operational jurisdictions
Position within corporate decision-making

c) Submitted and Generated Content

This includes, but is not limited to:

Written statements, text inputs, or form entries
Uploaded files (only where explicitly requested or permitted)
Selections made within dropdowns, checkboxes, or form fields
Web behavior metadata such as timestamps, submission history, and inquiry type
User preferences for language, service categories, communication preferences

d) Technical and Web Analytics Data

Collected via automated means (e.g., cookies, session tracking tools, analytics platforms), this may include:

IP address
Browser and device identifiers
Pages visited and time spent
Referrer URLs and access timestamps

All data collection practices are performed in accordance with UAE Federal Decree-Law No. 45 of 2021 (Personal Data Protection Law), GDPR (where applicable), and global regulatory best practices.

5.2 Purpose of Collection

All information collected is used strictly within the scope of Epiidosis’ licensed and authorized activities. The principal purposes for collecting, storing, and processing this information include:

Responding to Inquiries: Assessing your request or expression of interest and initiating relevant correspondence.
Eligibility Assessment: Conducting initial suitability checks for onboarding, referrals, or structuring of services.
Referral and Introduction: Transmitting relevant information to licensed third-party service providers, such as banks, legal firms, compliance agencies, fund administrators, or strategic partners with whom Epiidosis maintains contractual confidentiality and vetting arrangements.
Internal and Third-Party Analysis: Applying analytical tools and proprietary frameworks (internally or via trusted technology processors) to evaluate feasibility, financial criteria, or legal complexity based on submitted data.
Preliminary Reporting and Output Generation: Creating dynamic or AI-generated summaries, non-binding reports, pitch-ready profiles, or introductory risk/compliance assessments based on the data you provide.
Service Optimization: Enhancing our products, user experience, service delivery, or strategic decision-making through aggregate data analysis and anonymized reporting.
Compliance and Legal Obligations: Meeting statutory requirements, audit trails, anti-money laundering checks, and recordkeeping standards under UAE free zone, federal, or international supervisory regimes.

You understand and agree that this Website may serve as the first layer of engagement, and that additional data will be requested through secure and human-reviewed channels only if and when the relationship progresses to formal onboarding.

5.3 Disclosure, Transfer, and Retention of Data

By providing your information through this Website, you expressly authorize Epiidosis to use, transmit, and retain such information under the following conditions:

Strategic Partnerships: We may share your personal and business information with licensed or regulated third parties, such as banks, compliance firms, fund managers, legal counsel, due diligence professionals, or regional introducers who assist us in assessing, structuring, or delivering services relevant to your case.
Cross-Border Processing: Information may be transmitted to or accessed from servers or service providers within or outside the United Arab Emirates, including jurisdictions that may not have equivalent data protection laws. In such cases, we ensure adequate safeguards through binding contracts, NDAs, and confidentiality protocols.
Retention Period: We retain information only for as long as necessary to fulfill the purposes described in this clause, or as required by applicable UAE commercial and financial regulations, including those related to audit, reporting, dispute resolution, or regulatory inquiries.
Disclosure for Legal Compliance: We may disclose information if required to do so by law, legal process, governmental request, or court order, or to protect our legal rights or interests.

Epiidosis employs a risk-based data governance model, including access controls, encryption, secure transmission channels, and internal audit trails to safeguard personal and business data. However, we disclaim liability for misuse, interception, or unauthorized access by third parties where such access was not reasonably preventable by us.

6. Consent and Communication

By accessing, browsing, or interacting with epiidosisglobalfin.com, you explicitly acknowledge, affirm, and provide informed consent for the collection, processing, and use of your contact information and submitted data for communication purposes by Epiidosis Global Finance LLC-FZ (“Epiidosis”).

6.1 Scope of Communication

You hereby authorize and permit Epiidosis and its duly authorized representatives to initiate communication with you through multiple channels including, but not limited to:

Email correspondence
Short Message Service (SMS)
Telephonic voice calls
Messaging platforms and applications, such as WhatsApp, Signal, or similar platforms used in professional settings

This communication may include, without limitation:

Acknowledgment of your inquiry or form submission
Provision of information about Epiidosis’ services, operations, or qualifications
Invitations to schedule consultations or meetings
Requests for clarifying information related to your submission
Non-binding discussions about potential opportunities, partnerships, or project viability
Periodic updates, promotional offers, policy changes, compliance notifications, or service enhancements

6.2 Voluntary Nature and Legal Non-Binding Status

You understand and agree that:\n

The act of submitting your information to Epiidosis through the Website is entirely voluntary and does not establish a legal or contractual obligation on the part of Epiidosis to respond, engage, offer, or transact in any manner whatsoever.\n
Any discussion, recommendation, or preliminary exchange resulting from such communication shall remain informational in nature, and shall not be construed as a financial offer, legal advice, commitment, representation, or warranty.\n
A formal business relationship or engagement shall only be established upon execution of a written and duly signed agreement or onboarding documentation accepted by both parties.

6.3 Consent Duration and Retention

Your consent to be contacted under this clause shall remain valid and effective until such time as:

You expressly withdraw your consent in accordance with Clause 6.4, or
Epiidosis reasonably determines that no further communication is required

Notwithstanding the above, Epiidosis may retain certain communications or associated contact details as part of its recordkeeping obligations under applicable UAE laws, including but not limited to data retention laws, AML/CFT regulations, and any relevant guidance issued by the Meydan Free Zone Authority or Data Protection Office.

6.4 Withdrawal of Consent

You may withdraw your consent to receive communications at any time by submitting a written request to the following official contact:

📧 Email: legal@epiidosisglobalfin.com
📬 Mailing Address: Legal Department, Epiidosis Global Finance LLC-FZ, Meydan Grandstand, 6th Floor, Meydan Road, Nad Al Sheba, Dubai, United Arab Emirates

Upon receipt of such request:

Epiidosis shall make commercially reasonable efforts to cease communication within ten (10) business days, except where legal or regulatory obligations require continued correspondence.
Withdrawal of consent shall not affect the lawfulness of any communications made prior to such withdrawal.

Important: Withdrawal of consent may limit or preclude your ability to receive certain updates, resources, or engagement opportunities related to our services.

7. Prohibited Activities

As a condition of using this Website, you expressly agree not to engage in any activity, directly or indirectly, that violates the law, undermines the integrity of the platform, infringes upon the rights of others, or compromises the safety, security, or operational continuity of Epiidosis Global Finance LLC-FZ and its stakeholders. Prohibited conduct includes, but is not limited to, the following:

7.1 Misrepresentation and False Identity

Misrepresenting or concealing your identity, corporate affiliation, nationality, or authority to act on behalf of a third party.
Falsifying any information submitted via the Website’s forms, tools, or communications channels.
Impersonating Epiidosis staff, clients, affiliates, or any other person or entity.

7.2 Submission of Unlawful or Harmful Content

Uploading, publishing, or transmitting content that is defamatory, libelous, abusive, threatening, obscene, vulgar, indecent, harassing, hateful, discriminatory, or otherwise offensive under UAE laws.
Submitting material that infringes any intellectual property rights, trade secrets, personal privacy rights, or any other proprietary or moral rights of individuals or legal entities.
Transmitting content that violates any applicable civil, criminal, commercial, religious, or moral codes as defined under UAE Federal Law or international legal standards.

7.3 Unsolicited and Unauthorized Communications

Using the Website, forms, or any derived contact information to transmit spam, phishing attempts, promotional messages, or bulk marketing emails without explicit prior consent.
Harvesting or compiling contact details of other users, partners, or Epiidosis personnel for commercial use or third-party redistribution.

7.4 Cybersecurity Violations and Technical Interference

Introducing viruses, logic bombs, malware, ransomware, spyware, or any form of malicious code, script, or file intended to disrupt, damage, gain unauthorized access to, or alter Website functionality or third-party systems.
Attempting to gain unauthorized access to the Website’s backend, administrative interfaces, secured databases, server infrastructure, or APIs through brute force, credential stuffing, or other forms of intrusion.

7.5 Automated Data Access and Manipulation

Using any robot, spider, scraper, crawler, or other automated or manual tools to copy, index, replicate, analyze, extract, or harvest Website data, structure, forms, scripts, metadata, or user activity.
Engaging in activity that places an unreasonable or disproportionate load on our Website infrastructure, which may hinder its availability or degrade its performance.

7.6 Unauthorized Use of Intellectual Property

Reproducing, duplicating, modifying, publishing, republishing, distributing, mirroring, or reselling any content, report formats, logic engines, scripts, interface layouts, or database structures of this Website without prior written authorization from Epiidosis Global Finance LLC-FZ.
Presenting the Website or its elements within third-party frames or domains to mislead users or exploit Epiidosis branding.

7.7 Legal Consequences of Violation

Any violation of this section may result in the following legal and regulatory consequences:

Immediate termination or suspension of your access to the Website and all related services.
Reporting of your conduct to local and international regulatory authorities, including the UAE Telecommunications and Digital Government Regulatory Authority (TDRA), Dubai Police Cybercrime Department, Interpol, and other cross-border enforcement bodies.
Civil or criminal proceedings under applicable statutes including:
- Federal Decree-Law No. 34 of 2021 on Combating Rumors and Cybercrimes
- Federal Decree-Law No. 5 of 2012 on Information Technology Crimes (as amended)
- General Data Protection Regulation (GDPR) where applicable
- Relevant provisions under the UAE Penal Code and international cooperation treaties

Epiidosis reserves the right to take any technical, legal, or procedural steps necessary to investigate, pursue, and remedy violations of this clause, including cooperating with law enforcement and initiating legal claims for damages, loss of business reputation, and costs incurred due to the breach.

8. No Warranties

The Website epiidosisglobalfin.com, including all content, tools, functionalities, APIs, forms, communications, downloadable materials, or embedded integrations (collectively, the “Platform”), is provided strictly on an “as-is,” “as-available,” and “with all faults” basis.

To the maximum extent permitted by applicable law, including but not limited to UAE Federal Civil Transactions Law, cybercrime legislation, and relevant international treaties on digital services, Epiidosis Global Finance LLC-FZ and its affiliates, licensors, officers, employees, and authorized partners make no warranties or representations of any kind, express or implied, statutory or otherwise, concerning the Platform, including but not limited to:

a. Content Accuracy and Reliability

We do not warrant that the information, insights, or data provided via this Website—whether textual, graphical, statistical, or interactive—are accurate, complete, current, or applicable to your specific financial, business, legal, regulatory, or operational circumstances. All content is for general informational purposes only and should not be interpreted as professional advice or a substitute for licensed consultation.

b. Availability and Performance

Epiidosis does not guarantee that the Platform will be available uninterrupted, error-free, or secure, or that it will operate without delays, outages, downtime, data loss, or software vulnerabilities. Scheduled maintenance, cyber events, denial-of-service attacks, third-party dependencies, or infrastructure failure may result in temporary or extended unavailability, and we assume no liability for such interruptions.

c. Partner Suitability or Outcomes

The Website may suggest, refer, or connect users with external vendors, legal advisers, banking partners, or investment facilitators based on preliminary information submitted. However, we make no representation, assurance, or endorsement regarding the reputation, regulatory status, success rate, suitability, responsiveness, or reliability of any referred partner. All engagements with third parties are entirely at the user’s discretion and risk.

d. Security and Cyber Protections

While we implement reasonable security protocols aligned with UAE cybersecurity frameworks, global encryption standards, and cloud protection measures, we do not warrant or guarantee the Platform will be immune from malware, hacking attempts, data interception, unauthorized access, breaches, or leaks. Users are responsible for safeguarding their own devices, browsers, and networks when accessing the Website.

e. Non-Infringement, Merchantability, and Fitness for Purpose

We expressly disclaim any warranties of non-infringement, merchantability, or fitness for a particular purpose in relation to the Platform’s features, tools, or content. The Platform may contain typographical errors, outdated information, or incomplete sections not suitable for decision-making or reliance.

Reliance on any part of this Website, its tools, or its communications is undertaken entirely at your own discretion and risk. Under no circumstances should this Website be used as a substitute for professional advice, due diligence, or legal review.

9. Limitation of Liability

To the maximum extent permitted by applicable laws of the United Arab Emirates, including but not limited to the Federal Law on Civil Transactions, Commercial Transactions Law, Consumer Protection Regulations, Cybercrime Decree-Laws, and corresponding international legal standards such as the UNIDROIT Principles and global best practices, Epiidosis Global Finance LLC-FZ (“Epiidosis”), including its officers, directors, shareholders, employees, agents, affiliates, contractors, technology providers, and representatives, hereby disclaims and limits its liability as follows:

9.1. No Liability for Indirect or Consequential Damages

Under no circumstances shall Epiidosis be liable for any indirect, special, punitive, incidental, or consequential damages, including but not limited to:

Business interruption,
Delay or loss of access to digital services,
Loss of revenue, profits, anticipated savings, market share, or commercial opportunity,
Loss of reputation, goodwill, or corporate advantage,
Reputational harm arising from third-party miscommunication or interpretation.

9.2. Reliance at Your Own Risk

Any use of or reliance on the following shall be solely at your own risk:

Preliminary consultations, eligibility assessments, or referral suggestions,
Informational reports, summaries, or PDF tools generated through this Website or associated communication,
Any representations made in email, phone, or WhatsApp-based outreach prior to a formally executed written engagement agreement.

Such communications are intended to be indicative and non-binding and shall not give rise to any warranty, estoppel, or professional liability claim.

9.3. Technology and Third-Party Platform Risk

Epiidosis shall not be liable for any failure, delay, or damages resulting from:

The malfunction, inaccuracy, or interruption of third-party tools, APIs, plugins, or digital communication systems,
Outages or security breaches on partner websites, email servers, or cloud-hosted CRM/data management platforms,
External cyber-attacks, denial-of-service incidents, or data corruption beyond the Company’s reasonable control.

9.4. Loss of Data and Confidential Information

Epiidosis takes commercially reasonable steps to ensure cybersecurity and data privacy. However, it does not accept liability for:

Loss, theft, or unauthorized access to personal, business, or financial data during transmission,
Loss of stored data due to server failure, malware, or third-party system errors, even if arising in contract, tort (including negligence), breach of statutory duty, or otherwise.

9.5. Financial Cap on Claims

In all events and under all legal theories (contract, tort, equity, or statute), the aggregate liability of Epiidosis shall be strictly limited to the lesser of:

The actual amount paid by the User to Epiidosis under a valid, executed engagement letter, exclusively for the specific service that directly gave rise to the claim; or
AED 5,000 (Five Thousand United Arab Emirates Dirhams), if no direct fee was paid or where service scope was advisory or non-financial in nature.

This limitation applies regardless of the number of incidents, duration of use, or types of damages claimed.

9.6. Applicability

This limitation of liability clause shall apply to the fullest extent permitted under:\n

UAE Civil Transactions Law (Federal Law No. 5 of 1985),
Commercial Transactions Law (Federal Law No. 18 of 1993),
UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection,
Any other relevant free zone or international jurisdiction applicable by contract, choice of law, or legal effect.

10. Intellectual Property

All intellectual property rights in and to this Website—including but not limited to its structure, underlying code, databases, user interface, text, scripts, reports, images, infographics, illustrations, videos, branding elements, algorithms, forms, downloadable files (including PDFs), generated reports, and all visual or functional components (collectively referred to as “Intellectual Property”)—are the exclusive property of Epiidosis Global Finance LLC-FZ or its third-party licensors, and are protected under Federal Law No. 38 of 2021 on Copyrights and Related Rights (UAE), UAE Trademark Law, international conventions such as the Berne Convention, TRIPS Agreement, and applicable intellectual property legislation in jurisdictions where the Website may be accessed.

The Company retains all rights, title, and interest in and to its Intellectual Property, whether registered or unregistered, and nothing in these Terms grants you any license or right to use any of our Intellectual Property unless expressly authorized in writing.

You are strictly prohibited from:

Reproducing, duplicating, modifying, copying, or redistributing any content, code, layout, or material from the Website in whole or in part, for commercial or non-commercial purposes.
Reverse-engineering, decompiling, disassembling, translating, decoding, or otherwise attempting to extract the source code, logic, structure, or algorithms embedded within any part of the Website or its downloadable resources.
Framing, mirroring, deep-linking, or embedding the Website or any of its parts into any other website, intranet, or digital platform without our express consent.
Using or displaying any trademark, trade name, service mark, logo, business name, or proprietary graphic appearing on this Website without prior written authorization.
Passing off any third-party website or document as affiliated with or endorsed by Epiidosis, or using our materials in a misleading or deceptive manner.
Generating derivative works based on any original material hosted on this Website, including AI-generated documents, analytical templates, valuation models, and financial structuring frameworks, without permission.

Any unauthorized use, misuse, or infringement of Epiidosis’ Intellectual Property may result in civil and criminal liability under applicable laws. We reserve the right to pursue injunctive relief, financial damages, account of profits, legal costs, and punitive measures through UAE courts or appropriate international legal forums.

You may request permission for lawful and limited use by writing to our Legal & Compliance Department at legal@epiidosisglobalfin.com. Such permission, if granted, will be conditional, non-exclusive, revocable, and subject to clearly defined terms.

11. Termination of Access

Epiidosis Global Finance LLC-FZ (“Epiidosis”) reserves the absolute and unilateral right, at its sole discretion, to restrict, suspend, deactivate, or permanently terminate your access to this Website or any of its features, functionalities, tools, interactive modules, or stored data—whether submitted by you or generated through our systems—without prior notice, explanation, or liability, under any of the following circumstances:

11.1 Breach of Terms

If you violate, contravene, or act inconsistently with any provision of these Terms of Service, including but not limited to:

Misrepresenting your identity or purpose of engagement
Submitting false, incomplete, or misleading information
Engaging in any form of prohibited activity as described in Clause 7
Unauthorized sharing, reproduction, or misuse of proprietary content, reports, or logic derived from the Website

11.2 Suspicion of Malicious, Fraudulent, or Unlawful Conduct

If, in our reasonable belief or based on external notification or investigation, we suspect that your actions may involve or be linked to:

Fraudulent, deceptive, or criminal activity (e.g., impersonation, phishing, misrepresentation)
Breach of UAE Cybercrime Law, Anti-Money Laundering regulations, or relevant data protection legislation
Abuse of the Website to probe or test vulnerabilities, scrape data, or interfere with normal operation
Attempts to gain unauthorized access to restricted content, third-party data, or administrative areas

We reserve the right to immediately refer such activity to law enforcement, regulatory, or counter-cybercrime authorities, in the UAE or internationally, as deemed appropriate.

11.3 Regulatory or Operational Restructuring

Your access may also be terminated if:

Epiidosis discontinues, modifies, or repositions its service offerings or business focus
We undergo a merger, acquisition, dissolution, or corporate restructuring that affects the scope of services supported by the Website
There are regulatory changes, licensing constraints, or jurisdictional restrictions imposed on our business that require halting public access to the Website or a class of users
Technical, security, or financial constraints make continued availability of the Website unsustainable

11.4 Inactivity or Redundancy

Epiidosis reserves the right to archive or delete data or user sessions that remain inactive for a prolonged duration (e.g., 12+ months), especially if such accounts or inquiries were not formalized into a business relationship.

11.5 Effect of Termination

Upon termination:

Your right to access or use any part of the Website shall cease immediately
We may retain data subject to compliance with data retention regulations, internal policy, and legal obligations
No compensation, refund, or indemnity shall be owed for loss of access, even if access was terminated based on good-faith suspicion or error

Epiidosis shall not be liable for any direct or indirect damages, losses, or consequences resulting from termination of access in accordance with this clause.

12. Indemnification
You hereby agree to fully indemnify, defend, and hold harmless Epiidosis Global Finance LLC-FZ (“Epiidosis”), including its parent entities, subsidiaries, affiliates, officers, directors, shareholders, employees, agents, representatives, advisors, consultants, licensors, and strategic partners, from and against any and all losses, liabilities, damages, judgments, settlements, penalties, fines, expenses, and legal costs (including, without limitation, reasonable attorneys’ fees and costs of investigation, litigation, arbitration, mediation, or regulatory defense) that arise directly or indirectly from or relate to any of the following, whether incurred by Epiidosis or any third party:
a) Use or Misuse of the Website
Your access to, use of, attempted use of, or reliance on any part of the Website, including misuse or abuse of any tools, forms, information, scripts, or resources made available through the Website, regardless of whether such misuse was intentional, negligent, reckless, or uninformed.
b) Violation of These Terms
Any actual or alleged breach of these Terms of Service by you, including but not limited to failure to comply with eligibility criteria, prohibited activities, or restrictions related to content submission, data sharing, platform access, or unauthorized commercial exploitation.
c) Infringement of Third-Party Rights
Any claim or allegation that your use of the Website has infringed or violated the intellectual property rights, privacy rights, publicity rights, moral rights, proprietary rights, or other legal rights of any third party, including uploading or distributing any unauthorized, libelous, defamatory, or illegal content.
d) Misrepresentation or False Submissions
Any inaccurate, incomplete, fraudulent, misleading, or deceptive information or documents submitted by you or on your behalf through the Website, including misstatements of fact, forged identity, use of aliases, omission of material facts, or failure to disclose legal or regulatory impediments to engagement.
e) Breach of Laws or Regulations
Any violation by you of any applicable law, regulation, governmental rule, or directive (whether under UAE law, your local jurisdiction, or international law), including data protection laws, financial conduct standards, anti-money laundering (AML) rules, anti-bribery statutes, and cybercrime laws.
f) Third-Party Actions on Your Behalf
Any action, inaction, or violation carried out by a third party accessing or using the Website on your behalf or under your credentials, including employees, agents, contractors, or representatives acting within or outside the scope of their authority.
Epiidosis reserves the right, at its sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In such a case, you agree to cooperate fully with Epiidosis in asserting any available defenses and shall not settle any such matter without the prior written consent of Epiidosis.
This indemnification obligation shall survive the termination, suspension, or expiration of these Terms and your use of the Website, and shall apply regardless of any negligence or fault on the part of Epiidosis.

13. Force Majeure

Epiidosis Global Finance LLC-FZ (“Epiidosis”) shall not be held liable for any delay, default, failure to perform, or interruption in its services, obligations, or operations under these Terms of Service when such failure or delay arises, directly or indirectly, from circumstances or events beyond its reasonable control (“Force Majeure Event”).

Force Majeure Events shall include, but shall not be limited to:

Natural and Environmental Disasters: Acts of God, earthquakes, hurricanes, floods, fires, lightning, tsunamis, droughts, or other catastrophic weather conditions;
War and Political Instability: Armed conflict (declared or undeclared), invasion, civil war, insurrection, riot, rebellion, military or paramilitary activity, acts of foreign enemies, or other disturbances to civil order;
Terrorism and Criminal Disruption: Acts of terrorism, sabotage, cyberattacks (including denial of service attacks), data breaches originating from third parties, criminal syndicate interference, or threats thereof;
Public Health Emergencies: Epidemics, pandemics, outbreaks of infectious disease (including but not limited to COVID-19 or its variants), quarantines, lockdowns, or other public health directives issued by government authorities;
Legal or Regulatory Intervention: Enactment, amendment, or repeal of any applicable law, regulation, or governmental policy; governmental orders, trade embargoes, sanctions, or prohibitions; suspension or revocation of licenses; regulatory shutdowns of systems or sectors;
Infrastructure or Utility Failures: Interruption or failure of telecommunications, internet, satellite systems, electric power supply, or public utilities; failure or suspension of third-party hosting, data storage, financial infrastructure, or transport logistics;
Labour or Industrial Disruptions: Strikes, lockouts, labour disputes, or shortages of skilled workforce, whether involving employees of Epiidosis or third-party service providers;
Supply Chain and Material Shortages: Disruption in the global or regional supply chain, including failure of service providers or partners to perform due to their own Force Majeure conditions;
Any other unforeseeable, unavoidable, and uncontrollable event or condition that renders the performance of obligations temporarily or permanently impossible, impracticable, or commercially unreasonable.

Effect of Force Majeure:
If a Force Majeure Event occurs, Epiidosis shall be excused from further performance or delay of its obligations for the duration of the event and a reasonable period thereafter to recover. This shall not be construed as a waiver or termination of the agreement unless the impact continues for a period exceeding ninety (90) consecutive days, in which case either party may terminate the engagement without liability through written notice.

Duty to Mitigate:
Epiidosis shall, to the extent commercially reasonable, make diligent efforts to mitigate the effects of the Force Majeure Event and resume full performance as soon as practicable. Notice of such events and updates shall be provided to affected users where feasible.

No Compensation or Damages:
Under no circumstances shall Epiidosis be liable to the user or any third party for any losses, delays, damages, or penalties resulting directly or indirectly from a Force Majeure Event.

14. Severability

In the event that any provision, clause, section, or term of this Agreement, in whole or in part, is determined by a court of competent jurisdiction, regulatory authority, arbitral tribunal, or other legal body to be invalid, void, unlawful, unenforceable, or in conflict with applicable law—whether due to overbreadth, ambiguity, statutory conflict, or other legal infirmity—such provision shall be deemed severed from these Terms, and shall not affect the legality, validity, or enforceability of any other remaining provisions herein.

To the fullest extent permitted by the governing laws of the United Arab Emirates, and particularly the laws and regulations applicable within the Meydan Free Zone Authority, the remaining Terms shall continue in full force and effect as if such invalid or unenforceable provision had never been included. The Parties hereby acknowledge and agree that it is their mutual intention that the remainder of these Terms be interpreted so as to effectuate, to the maximum extent possible, the original intent of the invalidated provision, consistent with the overarching purpose and spirit of this Agreement.

If necessary, the unenforceable provision shall be modified or partially enforced to the extent permitted by law so as to preserve its original intent as closely as possible while rendering it valid and enforceable. Such modification shall be automatic and shall not require further written amendment, except where required by law.

The Parties further agree that this clause operates independently of any dispute resolution mechanism and shall survive the termination, suspension, or expiration of this Agreement for any reason whatsoever.

15. Dispute Resolution & Governing Law

These Terms of Service, including any dispute or claim arising out of or in connection with them, their subject matter, or formation (including non-contractual disputes or claims), shall be governed and construed in accordance with the laws of the United Arab Emirates, with particular reference to the legal and regulatory framework established by the Meydan Free Zone Authority, under which Epiidosis Global Finance LLC-FZ is registered and licensed.

Any dispute, controversy, or claim between the User and Epiidosis arising out of, relating to, or in connection with the use of this Website, any information provided, or services referenced herein—including issues of validity, interpretation, breach, or termination—shall be submitted to the exclusive jurisdiction of the Courts of Dubai, United Arab Emirates.

Without prejudice to the foregoing, Epiidosis, at its sole discretion, may elect to resolve any such dispute by final and binding arbitration administered by the Dubai International Arbitration Centre (DIAC) under its rules, which are deemed to be incorporated by reference into this clause. The following conditions shall apply to such arbitration:

The seat and legal place of arbitration shall be Dubai, United Arab Emirates.
The language of arbitration shall be English.
The applicable law shall be the substantive laws of the United Arab Emirates, including any relevant free zone or commercial code provisions.
The arbitration shall be conducted by a panel of one or more arbitrators, as mutually agreed by the parties, or as determined under the DIAC rules in the absence of agreement.
The arbitration award shall be final, binding, and enforceable in any competent jurisdiction, and the parties irrevocably waive any right to appeal or challenge the award, to the fullest extent permitted by law.

By using this Website, the User irrevocably agrees that any court proceedings or arbitration arising under these Terms shall be confidential, and that neither party shall disclose the existence, content, or result of any such proceedings or awards except as required by law, regulation, or competent authority.

Furthermore, nothing in this clause shall limit the right of Epiidosis to seek injunctive or equitable relief, or to take urgent interim measures in any court of competent jurisdiction to prevent actual or threatened misuse of its intellectual property, proprietary information, or breaches that may cause irreparable harm.

The User further agrees to bear all costs associated with their own legal representation, and unless otherwise determined by the arbitral tribunal or court, each party shall pay its own legal fees, with joint responsibility for administrative and tribunal expenses, unless the prevailing party is awarded costs.

16. Changes to Terms of Service

Epiidosis Global Finance LLC-FZ (“Epiidosis”) reserves the full and absolute right, at its sole discretion and without prior notice, to amend, update, revise, supplement, modify, or replace these Terms of Service in whole or in part at any time to reflect changes in business practices, regulatory requirements, legal obligations, technology, security policies, or service enhancements.

Any such modifications shall be deemed effective immediately upon publication on this Website, unless explicitly stated otherwise. The revised Terms will be identified by an updated “Effective Date” at the top of this document. Users are responsible for reviewing these Terms regularly to stay informed of any changes. Epiidosis is under no obligation to individually notify users of updates.

Your continued access to or use of the Website after any modification to these Terms shall constitute your full and binding acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to discontinue use of the Website immediately.

Epiidosis disclaims any liability for your failure to review updated Terms, and no waiver shall be inferred from lack of enforcement of prior versions. It is your responsibility to ensure that your use of this Website remains in compliance with the current version of these Terms at all times.

Furthermore, should any change materially affect your rights or obligations under a formal written agreement (if such an agreement has been entered into separately from these Terms), Epiidosis will, where required by law or regulation, provide additional notice in accordance with such agreement or relevant regulatory obligations.

This clause is made in accordance with prevailing provisions of UAE civil, commercial, and consumer protection laws, and is intended to preserve the enforceability and legal integrity of Epiidosis’ rights, disclosures, and digital presence.

17. Contact Us

Legal & Compliance Office
Epiidosis Global Finance LLC-FZ
6th Floor, Meydan Grandstand, Meydan Road, Nad Al Sheba, Dubai, United Arab Emirates
📧 Email: legal@epiidosisglobalfin.com
📞 Tel: +971-55-497-3941

By using this Website, you acknowledge and agree to be legally bound by these comprehensive Terms of Service. Any unauthorized access, submission, or misuse will result in civil and/or criminal action under UAE and international law.