General Terms and Conditions

1. Parties to the Agreement

These General Terms and Conditions ("Terms") govern access to and use of the website(s) operated by Medici Expert Consultancy FZ LLC, a legal entity incorporated in the United Arab Emirates under License No. 18740/2023, with its registered address at Fujairah – Twin Towers, P.O. Box 4422, Fujairah, UAE and, where applicable, its affiliated entities, including Medici Expert Accounting F.Z.C  and any subsidiaries, branches, or associated companies (collectively referred to as "Medici Expert"), as well as any preliminary interaction with Medici Expert prior to the execution of a separate written engagement agreement.

2. Binding Nature

‍By engaging with Medici Expert or by using any of its services, you acknowledge and agree that these Terms and Conditions constitute a legally binding agreement between you and Medici Expert. If any provision of this Agreement is held to be unlawful, invalid, or unenforceable, such provision shall be deemed severed without affecting the validity and enforceability of the remaining provisions.

3. No Professional Relationship

Access to the Website, submission of an inquiry or contact form, booking of a call, exchange of preliminary correspondence through the Website, or receipt of any materials published on the Website does not create, and shall not be construed as creating, any lawyer-client, consultant-client, fiduciary, advisory, or other professional relationship between you and Medici Expert. Any such relationship may only arise upon the execution of a separate written engagement agreement, engagement letter, proposal, or order form expressly accepted by both parties in writing.

4. Third-Party Rights

‍No person other than the parties to this Agreement shall have any right to enforce or rely upon any term contained herein, whether under the UAE laws or otherwise, unless expressly stated.

5. Definitions

For the purposes of this Agreement, the following terms shall have the meanings assigned to them below. Unless the context otherwise requires, words in the singular include the plural and vice versa.

"Terms" or "General Terms and Conditions" means these General Terms and Conditions, or such revised versions as may be published from time to time on Medici Expert's Website.

“Applicable Law” means all applicable laws, regulations, decrees, and decisions in force in the United Arab Emirates, including but not limited to Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and Illegal Organizations, Cabinet Decision No. 10 of 2019, Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL), and other relevant executive regulations and guidelines, as well as international standards such as the Financial Action Task Force (FATF) Recommendations, and, where applicable, foreign data protection laws including the General Data Protection Regulation (GDPR) of the European Union.

“Medici Expert” means Medici Expert Consultancy FZ LLC, its affiliated entity Medici Expert LLC, Medici Expert Accounting F.Z.C, and any subsidiaries, branches, agents, or associated companies worldwide, together with their directors, officers, employees, consultants, and successors in title.

"User" or "you" means any individual or legal entity accessing or using the Website, submitting an inquiry, or otherwise interacting with Medici Expert through the Website prior to the execution of a separate written engagement agreement.

“Personal Data” means any information relating to an identified or identifiable natural person, as defined under the UAE PDPL and, where applicable, the GDPR, including but not limited to name, identification number, contact details, financial information, and biometric or sensitive data.

“Business Day” means a day from Sunday to Thursday, other than an official public holiday in the United Arab Emirates, on which banks and businesses are generally open for business.

“Website” or “Site” means the official website(s) operated by Medici Expert, including all subdomains, content, and materials published therein.

6. Access to the Website

Medici Expert grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Website for lawful purposes and in accordance with these Terms. Medici Expert reserves the right, at its sole discretion and without prior notice or liability, to withdraw, suspend, restrict, or modify access to the Website or any part thereof at any time.

You are responsible for ensuring that your access to and use of the Website complies with all Applicable Laws and regulations in your jurisdiction.

7. General Disclaimer on Information

Medici Expert may provide legal and regulatory consultancy services where expressly agreed in writing with the client. Any other information made available through Medici Expert’s websites, marketing materials, or preliminary discussions is provided for informational and marketing purposes only and shall not be construed as binding legal, regulatory, or tax advice.Formal legal opinions, tax advisory, or representation in litigation and arbitration are rendered exclusively under separate written engagements, where expressly agreed. Users are encouraged to seek independent professional legal and/or tax counsel in their relevant jurisdictions for matters requiring such advice.

Medici Expert acts as a professional service provider and shall not be deemed to assume fiduciary duties beyond those expressly set out in this Agreement or required by Applicable Law.

8. Acceptable Use

You agree not to use the Website:

• in any way that is unlawful, fraudulent, misleading, or harmful, or in connection with any unlawful or fraudulent purpose or activity;
• to transmit any unsolicited or unauthorized advertising or promotional material;
• to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;
• to attempt to gain unauthorized access to the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website;
• to attack the Website via a denial-of-service attack or a distributed denial-of-service attack;
• in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website.

9. Inquiries and Pre-Contract Interaction

Any inquiry, contact form submission, call booking, or other preliminary communication made by you through the Website constitutes an expression of interest only and does not constitute an offer, acceptance, or binding commitment by either party.

Medici Expert reserves the right, at its sole discretion, to decline to respond to or proceed with any inquiry, without obligation to provide a reason.

Any professional services provided by Medici Expert shall be rendered exclusively on the basis of a separate written engagement agreement, engagement letter, proposal, or order form expressly accepted by both parties in writing. No obligation to provide services arises from any preliminary interaction through the Website.

10. Liability of the Website Use

The Website is provided on an “AS IS” and “AS AVAILABLE” basis, without any representation, warranty, or endorsement of any kind, whether express or implied. Without limitation, no warranties are given regarding satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, or accuracy.

Medici Expert shall not be liable for any loss, damage, cost, or expense of any kind (whether direct or indirect) arising out of or in connection with the Client’s access to, use of, or reliance on the Website, including but not limited to:

• interruptions, errors, defects, delays, or failures in Website functionality;
• viruses, malware, hacking, cyberattacks, unauthorized access, or other harmful code;
• loss or corruption of data, system failures, or unauthorized disclosure of information;
• reliance on any information, content, or materials published on the Website, which are provided for general informational purposes only and shall not constitute legal, regulatory, financial, or tax advice.

Medici Expert expressly excludes liability for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to lost profits, loss of business opportunities, reputational damage, or anticipated savings, even if Medici Expert has been advised of the possibility of such damages.

Medici Expert is not responsible for the content, accuracy, or security of third-party websites linked to or from the Website. Such links are provided solely for convenience and do not imply endorsement or approval. The Client accesses any such third-party websites at their own risk.

Nothing in these Terms and Conditions shall be construed to exclude or limit liability for death or personal injury resulting from Medici Expert’s proven negligence or willful misconduct, where such exclusion or limitation would be prohibited under Applicable Law.

The Client acknowledges that the use of the Website is at their sole risk and that the limitations of liability set out herein are reasonable and necessary for the provision of online services under the laws of the United Arab Emirates.

11. Copyright and Trademarks (Intellectual Property)

All intellectual property rights, including copyright, database rights, design rights, trade marks (registered or unregistered), company names, logos, service marks, and all other proprietary rights in and to the Website, its design, layout, text, graphics, photographs, software, and source code, as well as in any materials, reports, templates, or documents produced or provided by Medici Expert in the course of the Services, shall remain the exclusive property of Medici Expert or its licensors, unless expressly agreed otherwise in writing.

The Client is granted a limited, non-exclusive, non-transferable license to view and temporarily store Website pages in a browser cache and to print a single copy of Website content for personal, non-commercial use and offline review only.

Except as expressly permitted, the Client shall not copy, reproduce, distribute, publish, display, transmit, sell, license, modify, create derivative works from, reverse engineer, or otherwise exploit any part of the Website or any materials provided by Medici Expert without Medici Expert’s prior written consent.

Where Medici Expert provides customized reports, documents, or advisory materials to a Client, the Client shall be granted a limited right to use such materials solely for internal business purposes. All intellectual property rights therein shall remain vested in Medici Expert unless expressly assigned under a separate written agreement.

Unauthorized use of Medici Expert’s intellectual property may result in legal action, including claims for damages and injunctive relief, under Applicable Law of the United Arab Emirates and relevant international intellectual property treaties.

12. Third-Party Links

The Website may contain links to third-party websites for convenience only. Medici Expert is not responsible for the content, accuracy, security, or availability of any third-party websites linked to or from the Website. Such links do not imply endorsement or approval by Medici Expert. You access any such third-party websites at your own risk.

13. Data Protection and Confidentiality

13.1. Commitment to Data Protection

‍Medici Expert is committed to protecting the confidentiality, integrity, and security of all Personal Data processed in the course of providing Services, in accordance with Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL) of the United Arab Emirates and, where applicable, the General Data Protection Regulation (GDPR) of the European Union.

13.2. Legal Basis for Processing

‍Personal Data shall be processed by Medici Expert only where a valid legal basis exists under Applicable Law, including but not limited to:
a. Consent – where the Client has explicitly consented to the processing of their Personal Data for one or more specific purposes;
b. Contractual Necessity – where processing is necessary for the performance of this Agreement or for taking steps at the Client’s request prior to entering into this Agreement;
c. Legal Obligation – where processing is necessary for compliance with Applicable Law, including AML/CFT obligations, regulatory filings, and reporting requirements;
d. Legitimate Interest – where processing is necessary for the legitimate interests of Medici Expert, provided such interests are not overridden by the Client’s rights and freedoms.

13.3. Client’s Rights as Data Subject

‍Subject to Applicable Law, the Client (as data subject) shall have the following rights:
a. Access – to obtain confirmation as to whether Medici Expert processes their Personal Data and to access such data;
b. Rectification – to request correction of inaccurate or incomplete Personal Data;
c. Erasure (“Right to be Forgotten”) – to request deletion of Personal Data where it is no longer necessary for the purposes for which it was collected or where consent is withdrawn;
d. Restriction of Processing – to request limitation of processing in certain circumstances;
e. Portability – to receive a copy of their Personal Data in a structured, commonly used, and machine-readable format and to request its transfer to another service provider where technically feasible;
f. Objection – to object, on legitimate grounds, to certain types of processing, including processing for direct marketing purposes.

13.4. Data Sharing and Transfers

‍Medici Expert may share Personal Data with its affiliates, agents, auditors, legal advisors, and third-party service providers where reasonably necessary for the provision of Services, subject to strict confidentiality obligations.
Where Personal Data is transferred outside the United Arab Emirates, Medici Expert shall ensure that adequate safeguards are in place, including transfers to jurisdictions recognized as providing adequate protection under the PDPL, GDPR, or through the use of standard contractual clauses or equivalent legal instruments.

13.5. Data Retention

‍Personal Data shall be retained only for as long as necessary to fulfill the purposes for which it was collected and to comply with Applicable Law, including statutory retention periods under AML/CFT regulations.

13.6. Confidentiality Obligations

‍Medici Expert shall maintain strict confidentiality in relation to all information and documents received from the Client and shall not disclose such information to third parties except:

• where required by Applicable Law or by order of a competent authority;
• where disclosure is necessary for the provision of Services;
• where the Client has provided prior written consent.
  b. These confidentiality obligations shall survive the termination of this Agreement.

13.7. Security Measures

‍Medici Expert shall implement appropriate technical and organizational measures to protect Personal Data against unauthorized access, accidental loss, destruction, alteration, or disclosure, in accordance with PDPL, GDPR, and best international practices.

14. Force Majeure

Medici Expert shall not be liable for any delay or failure in the availability or functionality of the Website to the extent such delay or failure is caused by events or circumstances beyond its reasonable control ("Force Majeure Event"), including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, fire, epidemics or pandemics, acts of government or regulatory authorities, interruption or failure of power supply, communications, telecommunications or computer systems, or cyberattacks.

15. Termination of Services and Website Access

Medici Expert may withdraw, suspend, or restrict the User’s right to access or use the Website at any time, with or without prior notice, and without liability.

16. Notices

All formal notices, requests, consents, approvals, and other communications under these Terms shall be in writing and in the English language. Notices may be delivered by hand delivery or courier (signature required), registered or recorded post, or email to the designated notice email addresses. Electronic notices shall have the same legal effect as paper notices.

Notices shall not be valid if sent via SMS, instant messengers (including WhatsApp, Telegram, WeChat), social media, or any channel not expressly permitted, unless Medici Expert confirms acceptance in writing for a specific instance.

For the purposes of this section, a Business Day means Sunday to Thursday in the United Arab Emirates, excluding official UAE public holidays. All times are Gulf Standard Time (GST, UTC+4), unless expressly stated otherwise.

17. Governing Law and Jurisdiction

This Agreement, the provision of Services by Medici Expert, and any dispute, controversy, or claim arising out of or in connection with this Agreement, the Website, or the Services (including any non-contractual obligations) shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to conflict of law principles. Unless otherwise agreed in writing between the Parties, any dispute arising out of or in connection with this Agreement shall be finally settled by arbitration under the DIFC-LCIA Arbitration Centre (or, alternatively, the Dubai International Arbitration Centre – DIAC), in accordance with its Rules. The seat of arbitration shall be Dubai, United Arab Emirates, and the language of arbitration shall be English.

Nothing in this clause shall prevent Medici Expert from seeking interim, injunctive, or conservatory relief in the competent courts of the UAE or any other jurisdiction where such relief may be necessary to protect its rights, pending the outcome of arbitration.

For the avoidance of doubt, the Parties expressly agree that the exclusive jurisdiction of UAE courts (including the DIFC Courts or ADGM Courts, where applicable) may be invoked by Medici Expert for enforcement purposes or for urgent relief, without this

18. Amendments

Medici Expert reserves the right to amend, update, or replace these Terms at any time by publishing a revised version on the Website. Your continued use of the Website following the publication of any revised Terms constitutes your acceptance of such changes. You are encouraged to review these Terms periodically.