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Terms of Use

1. INTRODUCTION

1.1 These are the terms and conditions of service (“Terms“) which govern the use of this website (“Site“) and related Services (as defined below) owned, operated or provided by [Portal:PortalName] (“EXPAT MONEY“). Your use of the Site and Services is conditional on you complying with these Terms.

1.2 Please read these Terms carefully. Each time you access the Site or use a Service, these Terms will apply. These Terms may be amended in accordance with Clause 12 below. It is your responsibility to bring these Terms to the attention of anyone who may, through you, access this Site or view or use any Content (as defined below).If you have any questions regarding these terms with any of the EXPAT MONEY Site, please contact us at [email address].

1.3 You may access the Site as follows:

(a) a “Registered User” (in accordance with Clause 6 below); or
(b) a “Subscriber” to our subscription Services which we offer or may offer in the future (in accordance with Clauses 6 and 7 below); or
(c) as a “Visitor” in which circumstances, your use of the Site or any Content (as defined below) constitutes your acceptance of these Terms.

1.4 To the extent any individual accesses the Site or uses a Service as an employee, partner, director, agent or representative (“Agent“) of any legal entity which is a Subscriber, the Agent warrants that he or she has authority to agree to these Terms on behalf of the relevant legal entity.

1.5 Some areas on the Site may only be available to Registered Users or Subscribers (see Clause 6 below).

1.6 The Site is supported by sponsoring organizations and advertisers (the “Sponsors“) whose names appear on the Site and whose own websites may be accessed by Internet links from the Site – see Clause 9 below.

2. DEFINITIONS

2.1 “you/your” means (as appropriate), the Visitor, Registered User and/or Subscriber accessing the Site or using a Service.

2.2 “we/us/our” means EXPAT MONEY.

2.3 “Content” means all material, data and information on the Site or provided as part of a Service.

2.4 “Services” means

(a) the supply of on-line or electronic information, publications and data products;
(b) the supply of hard-copy publications and other materials;
(d) other services relating to the Site (including, without limitation, any Interactive Areas as defined in Clause 8 below).

3. YOUR USE OF CONTENT AND TRADE MARKS

3.1 All rights in and to the Content and the Site belong to us or our third party content providers and are protected by the copyright, trade marks, and/or other intellectual property rights (“Intellectual Property“) of the relevant countries. We may license third parties to use the Content at our sole discretion.

3.2 You may use the Site and the Content solely for your own personal use and benefit and not for resale or other transfer or disposition to any other person or entity. You may not use, reproduce, modify, transfer, exploit, distribute or dispose of any Content for commercial purposes, nor in any manner that might compete with our business..

3.3 DISCLAIMERS AND LIMITATIONS OF LIABILITY. WITHOUT PREJUDICE TO THE LIMITATION OF LIABILITY PROVISIONS AT CLAUSE 10 BELOW, YOU AGREE THAT YOUR USE OF THE SITE, CONTENT OR SERVICE IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT ALL SITE CONTENT AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE. ” THE CONTENT MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE CONTENT. SAVE AS PROVIDED IN THESE TERMS, NEITHER WE NOR OUR SUPPLIERS AND LICENSORS MAKE ANY REPRESENTATIONS OR WARRANTIES AND, TO THE FULLEST EXTENT ALLOWED BY LAW, EXCLUDE ALL IMPLIED WARRANTIES (INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, TITLE AND FITNESS FOR A PARTICULAR PURPOSE) REGARDING (A) THE SUITABILITY OF THE INFORMATION; (B) THE ACCURACY, AVAILABILITY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE SITE, CONTENT OR SERVICES; OR (C) THE RESULTS OBTAINED FROM ACCESSING AND USING THE SITE, SERVICE OR CONTENT. FURTHER, WE DO NOT REPRESENT OR WARRANT THAT (A) THE FUNCTIONS CONTAINED IN THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE; (B) DEFECTS WILL BE CORRECTED; (C) THE SITE, THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; NOR (D) THE USE OF ANY OF THE CONTENT WILL NOT INFRINGE THE INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY.

4. YOUR OBLIGATIONS

4.1 This Site is not intended for users of under eighteen (18) years of age, and such individuals are not permitted to be Registered Users or Subscribers. If individuals under eighteen (18) years of age wish to view material on any Site as a Visitor, their parent or guardian must agree to these Terms on their behalf.

4.2 You represent and warrant that:

(a) you have the capacity to agree to these Terms; and
(b) you are at least eighteen (18) years of age.

4.3 You undertake that you will, and if you are a Subscriber, you will procure that any licensed user under your subscription will:

(a) comply with all applicable laws in relation to the Site and Services, including without limitation, laws relating to the use of Intellectual Property;
(b) not use the Site or the Content outside the scope of permitted use under Clause 3 above and will not infringe any Intellectual Property or other rights in or relating to the Site or the Services or of any third party; and
(c) comply fully with these Terms.

5. OUR OBLIGATIONS

5.1 Subject to and without limitation to Clause 10, we will exercise reasonable skill and care in our provision of the Services provided to Registered Users and Subscribers, but from time to time faults may occur, in which case we will use reasonable efforts to repair them as soon as reasonably practicable.

5.2 We will endeavour to ensure all subscriptions or other Services are priced correctly on the Site (or otherwise in the Content). However, errors may occur. If such a pricing error is discovered, we reserve the right to give you the option of either cancelling your order for any particular subscription or other Service or reconfirming your order at the correct price.

6. REGISTRATION AND SUBSCRIPTIONS

6.1 In order to access certain areas of the Site (or specific Content), and/or to receive certain Services, you must register with us as either a Registered User or a Subscriber, as follows:

6.2 In order to register with us, you must provide us with accurate and complete information. It is your responsibility to inform us of any changes to that information (including, without limitation, your email address), by updating your details on the relevant section of the Site or contacting us. If you do not provide accurate and complete information when you register, we may not be able to provide the Services or Content that you request or that are suitable to you.

6.3 When you register, you will be given one or more user names and passwords, as appropriate for your registration or subscription to the Site or Service.

6.4 Except to the extent a user name and password is intended for more than one licensed user as agreed by us in writing, the following are not permitted:

6.5 If you believe there has been any breach of security (such as the disclosure, theft or unauthorised use of any user name, password or any payment information), you must notify us immediately by emailing [insert email].

6.6 We reserve the right to access and monitor password-protected information, including any information which you upload or input and any information concerning your activities in relation to a Service or any Content, in order to fulfil our obligations in these Terms, to protect or comply with our legal rights and obligations.

7. SUBSCRIPTION

7.1 Subscription to EXPAT MONEY is free of charge.

7.2 Notwithstanding the above, we reserve the right to introduce subscription charges at our complete discretion upon a thirty (30) day notice (“Subscription Charge Notification”).

7.3 Upon receipt of a Subscription Charge Notification, you will be required to make the necessary payment upon the expiry of the thirty (30) day period specified in the Subscription Charge Notification, failing which we shall have the right to immediately suspend your subscription.

8. INTERACTIVE SERVICES

8.1 The Site may in the future contain discussion groups and other public areas that allow interactivity between users and/or feedback to be provided to us (together “Interactive Areas“). We do not control and are not responsible for the information and/or materials posted to Interactive Areas by you or any third party (“Posted Material“) and as a result, cannot guarantee the veracity or accuracy of any Posted Material. All use of the Interactive Areas is at your risk and you should not rely on Posted Material in any way.

8.2 You hereby grant us, and, if you are a Subscriber, agree to procure the grant to us by all licensed users under your subscription of, a non-exclusive, perpetual, royalty-free licence to use, reproduce, modify and/or sub-license all or part of your Posted Material, including to sub-license group companies or third parties to use the same. We may without notice to you or any third party delete, move or edit any Posted Material or part of it.

8.3 To the extent permitted under applicable law, you hereby waive, and, if you are a Subscriber, agree to procure the waiver by all licensed users under your subscription of, all moral rights or rights of a similar nature in any jurisdiction in any Posted Material.

8.4 You are responsible for the content of your Posted Material and you may not within the Interactive Areas or otherwise in relation to a Service (including, without limitation, any email Service), post, publish, link to, upload, download, send, distribute, use or re-use any information or material:

(a) obtained in breach of confidence or which contains confidential information or infringes any Intellectual Property rights or rights of privacy or other rights of any third party;
(b) which is offensive, threatening, abusive, indecent, defamatory, obscene, degrading or menacing, or is otherwise contrary to applicable law or regulation or promoting an illegal act;
(c) which constitutes unsolicited advertising or promotional material, including but not limited to any chain emails, unsolicited commercial emails, unsolicited bulk email, “spam” or mail bombs; or
(d) which constitutes or contains a virus or other harmful component or malware.

8.5 By accessing the Interactive Areas, you agree to indemnify and hold us harmless against all claims, damages, costs and expenses (including legal and other professional fees) which we may incur as a result of any of your Posted Material.

8.6 We reserve the right to remove Posted Material at any time, for any reason, and without notice, including without limitation for any failure to comply with the provisions of this Clause 8. If any Posted Material fails to comply with the provisions of this Clause 8, we reserve the right to prevent You from accessing the Interactive Areas.

9.ADVERTISEMENTS, LINKS AND THIRD PARTY TRANSACTIONS

9.1 The Site may contain links to other websites provided by Sponsors or other third parties (“External Sites“). External Sites may advertise or provide the opportunity for you to purchase third party products or services (“Third Party Services“).

9.2 The content of External Sites and Third Party Services is not maintained or controlled by us and we are therefore not responsible for the availability, content or accuracy of External Sites or Third Party Services. We do not (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, a site or service; (b) guarantee the accuracy, completeness, usefulness or adequacy of External Sites or Third Party Services; or (c) make any endorsement, express or implied, of any External Sites or Third Party Services. Any advertisement or promotion on a site of a Third Party Service is not an inducement by us for you to enter into any agreement with the relevant third party.

9.3 Any communications or contracts relating to Third Party Services, payment for and delivery of Third Party Services, and any other associated terms, conditions, warranties or representations are exclusively between you and the relevant third parties. You agree not to hold us liable for any loss or damage incurred as the result of any such contracts, communications or other dealings or the presence of such third parties.

10. LIMITATIONS OF LIABILITY

10.1 EXPAT MONEY is not a registered investment adviser, broker or tax advisor. The Site provides general financial information and interactive features intended to inform and educate broad segments of the public and nothing on the Site should be considered investment advice.

10.2 EXPAT MONEY does not make any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable or advisable for you or for any specific person, or that an investment in such securities will be profitable. Nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by EXPAT MONEY or any third party.

10.3 Neither we, nor any of our employees, partners, affiliates, agents or representatives (our “Representatives“) will be liable to you for:

(a) any incidental, punitive, indirect, special or consequential damage, loss or expenses, including but not limited to any loss of business, contracts, revenue, or profits, any business interruption, security breach, loss of data, loss of goodwill or reputation or other pecuniary loss suffered by you, even if we or any of our Representatives have been advised of their possible existence; nor
(b) any direct damage loss or expenses arising from loss of customers, loss of profits, loss of anticipated profits or loss of savings.

11. INDEMNITY

You agree to indemnify and hold us and our Representatives harmless against all costs, claims, damages, liability and expenses (including any professional fees) which we might incur by reason of a breach by you of these Terms including, without limitation, any of the warranties, representations and undertakings contained herein.

12. CHANGES TO CONTENT

We reserve the right to delete or change any aspect of the Content, the Interactive Areas, the Site and/or any of the technical specifications or any aspect of the same. You agree and acknowledge that such changes may result in you being unable to access the whole or any part of the Site.

13. NO WAIVER

Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.

14. LAW AND JURISDICTION

Any disputes arising out of or in connection with these Terms, shall be subject to the exclusive jurisdiction of the Courts of the Dubai International Financial Centre. These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates.

15. SEVERABILITY

If any provision of these Terms is found to be wholly or partially invalid, void or unenforceable by any court having competent jurisdiction or by virtue of any legislation or any other reason, that provision shall be invalid, void or unenforceable to that extent only and no further and the validity and enforceability of the remaining provisions of these Terms shall not be affected.

16. THIRD PARTY RIGHTS

No term of these Terms is intended to be enforceable by any person other than you or us.

17. PRIVACY POLICY

17.1 You will provide us your personal information when registering as a Registered User or as a Subscriber. By providing your data to EXPAT MONEY you acknowledge that we may also contact you with any other communications deemed relevant to your interest in EXPAT MONEYand its activities.

17.2 We may still contact you once your subscription has expired in reference to renewing your subscription, free content that is available or other information we believe may be of interest to you. You may choose to stop receiving emails from EXPAT MONEYat any time by emailing [insert email].

17.3 We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

17.4 We require this information to understand your needs and provide you with a better service, and from time to time, we may also use your information to contact you for market research purposes.

17.5 We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

17.6 We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies.

17.7 The Site may contain links to External Sites. However, once you have used these links to leave the Site, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting any External Sites.

For further information on any aspect of these terms and conditions, please email info@expatmoney.com.

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