1. INTRODUCTION

1.1 About Us

HATTWORD FINANCIAL CONSULTANCIES L.L.C is a company incorporated under the laws of the United Arab Emirates, registered at [Office 321, Building 1, Emaar Business Park, Greens, P.O. Box Number: 452247, Dubai, United Arab Emirates], Dubai, UAE. We hold a SCA Category 5 license under license number 20200000304.

1.2 Our Services

We provide financial services under our SCA Category 5 license including:

• Financial advisor (issuance manager)
• Financial consultations
• Introduction services
• Listing advisor services
• Promotion activities

1.3 Agreement

By accessing or using our services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. ELIGIBILITY AND ACCOUNT REQUIREMENTS

2.1 Minimum Requirements

• You must be at least 21 years of age
• You must be a legal resident of the UAE or an eligible jurisdiction
• You must have legal capacity to enter into binding contracts

2.2 KYC Requirements

In compliance with SCA regulations and UAE AML laws, you must provide:

• Valid Emirates ID or passport
• Proof of address in UAE
• Source of funds declaration
• Additional documentation as required by our compliance procedures

2.3 Account Verification

All accounts are subject to verification procedures in accordance with:

• SCA Board Resolution and Regulations
• UAE Federal Law No. 20 of 2018 (AML/CFT Law)
• Central Bank of UAE regulations

3. FINANCIAL SERVICES AND RISK DISCLOSURE

3.1 Investment Risks

3.2 Market Risks

Financial markets are subject to volatility, liquidity risks, and regulatory changes that may affect your investments.

3.3 No Financial Advice

Unless explicitly stated, our services do not constitute financial advice. You should seek independent financial advice before making investment decisions.

4. FEES AND CHARGES

4.1 Service Fees

• Account maintenance: [AMOUNT] per month/year
• Transaction fees: [PERCENTAGE/AMOUNT] per transaction
• Withdrawal fees: [AMOUNT]
• Currency conversion: [PERCENTAGE] above mid-market rate

4.2 Fee Changes

We reserve the right to modify fees with 30 days' prior written notice via email or app notification.

4.3 Refund Policy

Fees paid are generally non-refundable except where required by applicable law or our refund policy.

5. DATA PROTECTION AND PRIVACY

5.1 Data Processing

We process your personal data in accordance with:

• UAE Federal Law No. 45 of 2021 (Data Protection Law)
• SCA Data Protection Requirements
• Our Privacy Policy

5.2 Data Security

Your financial data is protected using:

• AES-256 encryption
• Multi-factor authentication
• Secure cloud infrastructure compliant with UAE data residency requirements

6. USER CONDUCT AND PROHIBITED ACTIVITIES

6.1 Prohibited Uses

You must not use our services for:

• Money laundering or terrorist financing
• Fraud, market manipulation, or insider trading
• Violation of any applicable laws or regulations
• Unauthorized access to our systems

6.2 Compliance Obligations

You must comply with all applicable laws including:

• UAE tax obligations
• Foreign exchange regulations
• Sanctions and embargo restrictions

7. INTELLECTUAL PROPERTY

7.1 Our Rights

All content, trademarks, logos, and intellectual property remain our exclusive property.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our app for personal financial purposes only.

8. LIABILITY AND DISCLAIMERS

8.1 Limitation of Liability

To the maximum extent permitted by UAE law, we shall not be liable for:

• Investment losses due to market conditions
• Service interruptions due to technical issues
• Third-party service provider failures
• Indirect, consequential, or punitive damages

8.2 Maximum Liability

Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

8.3 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

9. ACCOUNT SUSPENSION AND TERMINATION

9.1 Our Rights

We may suspend or terminate your account if:

• You breach these Terms of Service
• We suspect fraudulent or illegal activity
• Required by regulatory authorities
• You fail to complete KYC verification

9.2 Your Rights

You may terminate your account at any time by providing 30 days' written notice.

9.3 Effect of Termination

Upon termination:

• Your access to services will cease
• Outstanding balances will be returned (subject to applicable fees)
• These Terms shall survive termination where applicable

10. DISPUTE RESOLUTION

10.1 Governing Law

These Terms are governed by the laws of the United Arab Emirates and SCA regulations.

10.2 Jurisdiction

Any disputes shall be subject to the exclusive jurisdiction of the UAE Courts.

10.3 Alternative Dispute Resolution

Before court proceedings, disputes should be resolved through:

1. Direct negotiation
2. UAE mediation services
3. Arbitration under UAE Arbitration Law (if agreed)

11. REGULATORY COMPLIANCE

11.1 SCA Supervision

We are regulated by the Securities and Commodities Authority (SCA). For complaints not resolved by us, you may contact:

• SCA: +971 800722823
• Email: contactus@sca.ae

11.2 Compliance Reporting

We maintain compliance with:

• SCA Board Resolution and Regulations
• UAE Central Bank regulations
• International sanctions regimes

12. MODIFICATIONS

We may modify these Terms with 30 days' prior notice. Continued use constitutes acceptance of modified Terms.

13. CONTACT INFORMATION