Arnifi Terms and Conditions

1. DEFINITIONS

Unless the context otherwise requires or unless otherwise defined or provided for herein, the capitalized terms used in these Terms shall have the following meanings: a. "Terms" shall mean these terms and conditions of the website; b. "Arnifi" shall mean Arnifi Corporate Services Providers LLC ; c. “Users or You or Your or Registered User" shall have the meaning given to in para I above; d. "Registered Account" shall have the meaning given to in clause 2 below; e. "Website" shall mean www.arnifi.com , the Arnifi website; f. "Services" shall have the meaning given to in clause 4 below; g. "Disclosing Party" shall have the meaning given to in clause 12 below; h. "Receiving Party" shall have the meaning given to in clause 12 below; i. "Confidential Information" shall have the meaning given to in clause 12 below; Interpretation Save where the context otherwise requires in these Terms 1. References to any law shall apply to such law as from time to time may be enacted, amended, supplemented or re-enacted. 2. References to the words "include" or "including" shall be construed without limitation. 3. References to these Terms or any other Terms, deed or other instrument or document shall be construed as a reference to such Terms, deed or other instrument or document as the same may from time to time be amended, varied or supplemented. 4. The headings and titles in this Terms are indicative and shall not be considered in the interpretation or construction of the Terms.

2. REGISTERED ACCOUNT

1. In order to avail the Services, you must register for and maintain a personal account (“Registered Account”). Registered Account registration requires you to submit certain information including but not limited to, your name, gender, phone number, address, email address or personal preferences. 2. You agree to maintain accurate, complete, and up-to-date information in your Registered Account. Your failure to maintain accurate, complete, and up-to-date information in your Registered Account, may result in your inability to access and use the Services or result in Arnifi termination of this agreement with you. You are responsible for all activity that occurs under your Registered Account, and you agree to always maintain the security and secrecy of your Registered Account, such as your username and password. Unless otherwise permitted by Arnifi in writing, you shall only use and operate one Registered Account. You acknowledge and agree that any misuse of your Registered Account for reasons not attributable to Arnifi shall be to your account and you will be responsible at all times. 3. You hereby consent that any information submitted by you for the Registered Account set-up may be used by Arnifi in accordance with its Privacy Policy published at www.arnifi.com/privacypolicy which is deemed to be part of these Terms. 4. You agree and authorise Arnifi to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations and/or to similar services to provide you with various value-added services, in association with the Services selected by you or otherwise. You agree to receive communications through emails, telephone, whatsapp and/or SMS, from Arnifi or its third-party vendors/business partners regarding the Services/ancillary services updates, information/promotional emails and/or product announcements. In this context, you agree and consent to receive all communications at the mobile number provided, and for that purpose, you further authorise Arnifi to share/disclose the information to any third-party service provider or any affiliates, group companies, their authorised agents or third-party service providers. 5. You consent to allow Arnifi, its officers, representatives, consultants, affiliates and employees to access all documents uploaded, to analyse the information provided, to verify the same and to use such Information to fulfil the Services. The information we will access when you access the Website will include but will not be limited to, your personal information, identity documents, employment information, and computer data. By availing for our Services, it will be deemed that you have consented to us accessing this information and have no objection regarding the same. 6. Arnifi will retain and use your information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements entered into for providing the Services and ancillary services.

3. ELIGIBILITY

a. If you are an individual, you must: 1. Be at least 18 (eighteen) years old to agree to these Terms; and 2. Represent and warrant that you are capable of entering into these Terms and performing the obligations set out hereunder. b. If you are a non-individual, you must: 1. Be duly authorized (by such non-individual entity) to agree to these Terms; 2. Represent and warrant that you are capable of entering into these Terms and performing the obligations set out hereunder. c. Any use of the Website by ‘bots’ or other automated tools or methods is not permitted under this Terms.

4. SERVICE

• Arnifi is a platform that assists you to incorporate companies in various jurisdictions including the Middle East region and provides other support services (Bank account assistance, tax & accounting, visa issuance etc). • Arnifi also helps companies understand the type of setup required for their incorporation or expansion plans. • Visa or MasterCard debit and credit cards in AED will be accepted for payment.

5. REDIRECTING TO EXTERNAL WEBSITES

Arnifi Services and the Website may contain links to third party web sites or services not operated, owned or maintained by Arnifi. The User agrees that Arnifi has no control over the redirected third-party sites from the Website, and it has no liability for the content, privacy policies, or practices of any third-party web sites or services. Arnifi neither promotes nor endorses these entities/individuals or their websites.

6. SOCIAL MEDIA LOGIN

The Website provides its Users with an option to create a Registered Account or login by using their third-party social media accounts like Google, Facebook, Instagram etc., and You hereby give Your expressed consent for Arnifi to access and collect your third-party social media account information only to an extent that is necessary for creating the Registered Account and providing You with the Services on the Website. Further, Arnifi holds no responsibility for any breach or loss of data from Your third-party social media accounts. Kindly refer to the terms of use and privacy policy of Your respective third-party social media intermediaries to understand the terms and how your personal data is processed.

7. NETWORK ACCESS AND DEVICES

You are responsible for obtaining the data and network access necessary to access the Website/Services. Your network's data usage rates and fees will apply if you access or use the Website/Services from a wireless-enabled device. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Website/Services and any updates thereto. Arnifi does not guarantee that the Website/Services, or any portion thereof, will function on any particular hardware or devices. In addition, the Website/Services may be subject to malfunctions and/or delays inherent in internet use and electronic communications.

8. USER GENERATED CONTENT

1. By sharing or submitting any content including any data and information on the Website, you agree that you shall be solely responsible for all content you post on the Website and Arnifi shall not be responsible for any content you make available on or through the Website. At Arnifi’s sole discretion, such content may be included in the Services and ancillary services (in whole or in part or in modified form). With respect to such content you submit or make available on the Website, you grant Arnifi a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive licence to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such content. You agree that you are fully responsible for the content you submit. 2. You are prohibited from posting or transmitting to or from this Website: • Belongs to another person and to which the user does not have any right; • Is defamatory, obscene, pornographic, pedophilic, invasive of another’s privacy, including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force; • Is harmful to children; • Infringes any patent, trademark, copyright or other proprietary rights; • Violates any law for the time being in force; • Deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; • Impersonates another person; • Threatens the unity, integrity, defence, security or sovereignty of the UAE, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation; • Contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; • Is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person; • You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to the Website.

9. Payment and Confirmation

a. Visa or MasterCard debit and credit cards in AED will be accepted for payment b. Once the payment is made, the confirmation notice will be sent to the client via email within 24 hours of receipt of payment. c. Cardholder must retain a copy of transaction records and Merchant policies and rules.

10. LIMITED WARRANTY

a. You understand and acknowledge that certain risks are inherent in the transmission of information over the internet. By entering into this agreement, you have chosen to use the security measures provided by Arnifi to protect the Services from viruses and malicious attacks, Arnifi does not represent or guarantee that the Services will be free from loss, corruption, attack, viruses, interference, hacking, or other security intrusion, and Arnifi disclaims any liability relating thereto to the extent that such loss, corruption, attack, viruses, interference, hacking, or other security intrusion occur despite Arnifi using the information security measures. Arnifi warrants that, during the term of this agreement, Arnifi will employ commercially reasonable system security measures. Except as expressly set forth in this Clause, Arnifi makes no representation, warranty, covenant or agreement that its security measures will be effective and neither Arnifi nor its affiliates shall have any liability for the breach of its security measures, or the integrity of the systems or Arnifi’s computer servers, unless caused by the willful misconduct or gross negligence of its employees. b. The Services are provided to you on an “as-is” and “as available basis”. Arnifi is not responsible for any failure of the telecommunications network or other communications links utilised to gain access to the Services. Arnifi does not represent that the Services will meet your requirements or that operation of the Services will be uninterrupted or error free. c. You further acknowledge that the Service is not intended or suitable for use in situations or environments where the failure or time delays of, or errors or inaccuracies in, the content, data or information provided by the Service could lead to death, personal injury, or severe physical or environmental damage. d. Arnifi and its affiliates, subsidiaries, officers, directors, employees, agents, partners and licensors hereby disclaim and expressly waive all other conditions, representations and guarantees, whether express or implied, arising by law, custom, oral or written statements of Arnifi or third parties including, but not limited to, any warranty of merchantability or fitness for a particular purpose or of error-free and uninterrupted use or of non-infringement except to the extent expressly provided above (limited warranty). In particular, Arnifi and its affiliates, subsidiaries, officers, directors, employees, agents, partners and licensors make no warranty that (i) the service will meet your requirements; (ii) your use of the service will be timely, uninterrupted, secure or error-free.

11. LICENSE

Subject to your compliance with these Terms, Arnifi grants you a limited, non-exclusive, revocable, non-transferable licence in the UAE to: (i) access and use the Website through your personal computer system or other mobile communication device solely in connection with your use of the Services; and (ii) access and use any content, information and related materials that may be made available through the Services, in each case solely for your personal, non-commercial use. Any rights not expressly granted herein are reserved by Arnifi and Arnifi’ licensors.

12. TERM AND TERMINATION

Subject to your compliance with these Terms, Arnifi grants you a limited, non-exclusive. a. These Terms and the right to use granted hereunder shall take effect on the date you create an account with Arnifi. They shall continue in effect until either you or Arnifi ends this agreement in accordance with this clause. This agreement may be terminated by either party by providing 10 days' notice. b. Arnifi may terminate the agreement: 1. 7 days after Arnifi gives you notice of your breach of any provision of the agreement (other than your breach of its obligations under Clause 12 (Confidential Information) which breach shall result in immediate termination) and which you do not cure within the 7 day notice period; or 2. For non-repayment of the charges payable by you in accordance with these Terms; or 3. If you file for bankruptcy, become insolvent, or make an assignment for creditors. c. All accrued rights and obligations of the parties shall survive any termination of these Terms and the Terms shall continue to be valid till such rights and obligations are extinguished or fulfilled.

13. CONFIDENTIAL INFORMATION

In course of your dealings with Arnifi, either party (Disclosing Party) may share and provide the other (Receiving Party) with access to its confidential and proprietary information (“Confidential Information”). Confidential Information may be disclosed either orally, visually, in writing (including graphic material) or by way of consigned items. The Receiving Party agrees to take all reasonable security precautions, including precautions at least as great as it takes to protect its own confidential information, to protect the secrecy of the Confidential Information. Confidential Information shall be disclosed only on a need-to-know basis. Except as provided herein, the parties agree to treat the same as confidential and shall not divulge, directly or indirectly, to any other person, firm, corporation, association or entity, for any purpose whatsoever, such information, and shall not make use of such information, without the prior written consent of the Disclosing Party. Confidential Information includes but is not limited to the Services, documentation, third party materials, business plans, business forecasts, financial information, customer lists, development, design details, specifications, patents, copyrights, trade secrets, proprietary information, methodologies, techniques, sketches, drawings, models, inventions, know-how, processes, algorithms, software programs, and software source documents.

14. PRIVACY

You understand that by using the Services, you consent and agree to the collection and use of certain information about you and your use of the Service in accordance with Arnifi Privacy Policy and these Terms. Arnifi Privacy Policy applies to all your information collected under these Terms. You further understand and agree that this information may be transferred to the other countries for storage, processing and use by Arnifi, its affiliates, and/or their service providers in accordance with applicable law.

15. LIMITATION OF LIABILITY

In no event shall Arnifi be liable, whether in contract, tort (including negligence) or otherwise for any loss of profits, business, contracts, or revenues, loss of operation time, increased costs or wasted expenditure, loss of goodwill or reputation, special, indirect, incidental punitive or consequential damage of any nature whatsoever or howsoever arising out of this agreement.

16. INDEMNITY

You shall defend, indemnify and hold harmless Arnifi, it’s officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, debts and costs (including reasonable attorneys’ fees), brought against Arnifi by third parties alleging that: 1. your use of and access of the Services; 2. your violation of these Terms; 3. your violation of any third party right, including without limitation any copyright, property, or privacy right; or 4. any claim that the User Generated Content you submitted caused damage. Your indemnification obligation under this Clause will survive termination of this Agreement and your use of the Services.

17. ASSIGNMENT

You may not assign this agreement without the prior written consent of Arnifi.

18. ARBITRATION AND GOVERNING LAW

• The Parties hereby agree that this agreement shall be governed by and construed in accordance with the laws of the UAE, without regard to its conflict of laws principles. Any and all disputes that arise under this agreement shall be subject to the exclusive jurisdiction of the competent courts in Dubai, UAE. • We will not trade with or provide any services to OFAC (Office of Foreign Assets Control) and sanctioned countries in accordance with the law of UAE.

19. FORCE MAJEURE

Arnifi shall not be liable to the other for failure or delay in the performance of Services, if such failure or delay is caused by strike, riot, fire, flood, natural disaster, or other similar cause beyond its control.

20. WAIVER

No waiver of any breach of any provision of this agreement shall constitute a waiver of any prior, concurrent or subsequent breach of the same or any other provisions of this agreement. Further, no waiver shall be effective unless made in writing and signed by an authorised signatory of the waiving party.

21. SEVERABILITY

If any of the terms, conditions or provisions contained in this agreement are determined by any court of competent jurisdiction to be invalid, unlawful or unenforceable to any extent, such term, condition or provision shall to that extent be severed from the remaining terms, conditions and provisions which shall continue to be valid to the fullest extent permitted by law.

22. NOTICES

All notices and other communications made or required to be given under this agreement shall be in writing and shall be deemed given upon receipt when sent through email, registered post acknowledgement due, or through personal service to the address specified below: If to Arnifi: Email: hello@arnifi.com Address: Office G-L9, Office No. G-L9, Abu Hail Dubai, United Arab Emirates Kind Attn: Manu Midha. If to you: To the email id and address provided at the time of registration and Account set-up.

23. ENTIRE AGREEMENT

These Terms along with any supplementary terms or addendum as may be prescribed by Arnifi/Arnifi Partner constitute the entire agreement between the parties pertaining to the subject matter contained herein and any written or oral agreements existing between the parties or modifications to these Terms shall have no force or effect unless expressly agreed to in writing or acknowledged in writing by Arnifi.

Name: Manu Midha Designation: Director and CEO Contact Details: manu@arnifi.com We will endeavour to promptly correct any information found to be incorrect.