TERMS AND CONDITIONS

Thank you for visiting our website (the Website). The Website is operated by Qarfina (we, us). Contact: [email protected]. By using the Website or our services (Services), you accept these Terms and our Privacy policy. If you disagree, do not use the Website. We may update these Terms by posting changes; continued use means acceptance.

NOT INVESTMENT ADVICE

The content is provided for general information only and is not personal financial, investment, tax, or legal advice. Please seek independent professional advice before making any investment decision.

PRODUCTS, THIRD PARTIES, AND LINKS

References to products, platforms, or links may be provided by third parties. Links are provided for convenience; we do not control third-party sites and are not responsible for their content or policies. Nothing on the Website is an offer, solicitation, or recommendation to buy or sell any financial product.

ELIGIBILITY AND ACCEPTABLE USE

You need to be 18 or older and capable of entering a binding contract. You must not misuse the Website, including by unlawful acts, malware, harassment, scraping without permission, or attempts to get around security. We may suspend access for any breach or risk.

INTELLECTUAL PROPERTY

Website content belongs to us or our licensors and is protected by law. You are granted a limited, non-exclusive license to access it for personal, non-commercial use. No copying, redistribution, or reverse engineering unless allowed by law.

DISCLAIMERS AND LIMITATION OF LIABILITY

To the fullest extent allowed by law, the Website and Services are provided on an as-is basis without any warranties. We are not responsible for any indirect, incidental, special, consequential, or punitive losses arising from your use of or reliance on the information here. Where liability cannot be excluded, our liability is capped to the maximum extent permitted under applicable law.

PRIVACY AND DATA SAFEGUARDS

We handle personal data in line with the practices set out in our Privacy Policy. When privacy or data protection laws apply, we put suitable technical and organizational safeguards in place and support rights requests as required by our role and the law that applies.

APPLICABLE LAW AND CONTACT DETAILS

These Terms are subject to the governing law set out in our primary legal notices. If you have any questions, please contact [email protected].