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    Terms & Conditions

    This Terms of Service was last updated on January 1, 2024.

    The Website belongs to OXYFINZ, a company incorporated in Dubai Silicon Oasis Authority, the United Arab Emirates, having license number 8650 and its registered address Dubai Silicon Oasis, DDP, Building A2, Dubai UAE United Arab Emirates (“us”, “we”, “our” and/or “OXYFINZ”).

    Your use of our Website, whether to provide or avail a Service from us, purchase a Product or to perform any other kind of action, shall be governed by these terms and conditions and any updated and/or modified version of the same (“Terms and Conditions”) our Privacy Policy, Cookies Policy, and any additional terms (“Legal Documents”) that are posted on the legal section of www.oxyfinz.com (collectively referred to as the “Website”). These Legal Documents are incorporated by reference to these Terms and Conditions.

    It shall be your responsibility to periodically review these Terms and Conditions to familiarize yourself with them. We reserve the right at any time and without prior notice to you, to amend or modify these Terms and Conditions, suspend or discontinue our Website or the Services, whether in whole or in part, and delete any accounts in relation thereto.

    By continuing to use our Website, avail a Service and/or purchase a Product, you are agreeing to these Terms and Conditions in full. You may not use and shall immediately discontinue your use of our Website and the Services, if you are not able to create a legally binding agreement in accordance with applicable laws and/or if you do not agree to these Terms and Conditions in full. These Terms and Conditions were last updated on Oct, 01, 2020.

    We reserve the right to update these Terms and Conditions at any time, such updated Terms and Conditions will take effect from the date they are posted at the Website’s legal section. Your continued access to and/or use of our Website after such posting will constitute your deemed acceptance of such updated Terms and Conditions.

     

    1. INTRODUCTION
      1. Definitions.

    Dispute shall mean any dispute, claim, difference or controversy arising out of, relating to or having any connection with these Terms and Conditions, including as it may relate in any way to your use of our Website and Services, or to any products or services sold or distributed through our Website, or the existence, validity, interpretation, performance, breach or termination and/or any dispute relating to any non-contractual obligations arising out of or in connection with them.

     

    Payment Method means a current, valid, accepted method of payment, as may be updated from time to time, such as direct bank transfer, debit-visa cards and/or credit card, which may include payment through your account with a third party.

    Products shall mean the products offered, published and sold to the Users via our Website and shall include any after sales services we wish to add to our Website in the future,

    Services shall have the meaning ascribed to it in clause 2.

     

      1. User shall mean all visitors and individuals who accesses our Website for any reason whatsoever. Regardless if they are Individual Users or Business Admin. License to Use.  Subject to the rest of the content of these Terms and Conditions, we hereby grant you a non-transferable, non-exclusive, revocable, limited license to use and access our Website and Services in accordance with these Terms and Conditions but reserve our right to revoke any or all of such authorizations at any time.
        1. This license does not include any resale or commercial use of any OXYFINZ Services or the contents provided on our Website. All rights not expressly granted to you in these Terms and Conditions are reserved and retained by OXYFINZ or its licensors, suppliers, publishers, rights holders, or other content providers. You may not use any meta tags or any other "hidden text" utilizing OXYFINZ's names or trademarks without our express written consent.
        2. You may not misuse our Services. You may use our Services only as permitted by law. The licenses granted by us terminate if you do not comply with these Terms and Conditions.
      2. Lawful Purposes. You agree to use our Website and Services for lawful purposes only and in a way that does not infringe on the rights of any third party or restrict or inhibit such third party, User’s use and enjoyment of the same.
      3. No Support, Maintenance, or Protection.  You acknowledge and agree that we will have no obligation to provide you with any support or maintenance in connection with our Website or your use thereof. We also cannot guarantee that there will be no viruses or other harmful code embedded in our Website which could adversely affect the device you are accessing it from. It shall be your sole responsibility to ensure that your device is adequately protected against such threats. 
      4. Territory.  Our Website is intended for use only by the Users in United Arab Emirates (UAE). If you choose to use the Website from locations outside UAE, you do so at your sole risk. For avoidance of doubt, the information, Products or Services provided on our Website is not intended for distribution to, or use by any User, person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any compliance or registration requirement within such jurisdiction or country. We reserve the right to limit the availability of the Website to any person, geographic area, or jurisdiction, at any time and in our sole discretion.
    2. SERVICE DESCRIPTION.
      1. Services. Our Website provides an online profile that contains personal, health and emergency information. . We further provide customer service for Products sold via our Website up to the expiry of the return policy. Should you have a problem with your order, you may communicate with us directly. Should this method of recourse be inefficient at solving the problem with your order, or should you wish to receive a refund for your order, you may do so by following the steps for returning and receiving a refund as outlined in these Terms and Conditions (collectively, known as the “Services”).
      2. We reserve the right to introduce new Services And/Or Products and update or withdraw any of the then existing Services And/Or Products, in our sole discretion, at any time, and will not be liable to you for exercising this discretion in any way whatsoever.
    3. CREATING AN ACCOUNT WITH US.
      1. While Users can access our Website without the need to create an account, if you wish to purchase a Service And/Or Product, you will need to create an account with us.
      2. There will be different requirements for registering an account with us depending on whether you register as an Individual User or as a Business Admin. Such requirements will be advised to you upon creating your account but consist mainly of personal details in the case of Individual User and contact and company information, including trade license details, in the case of Business Admin.
      3. You are eligible to register as a Individual User or Business Admin if you meet the following eligibility criteria:
        1. For Individual User:
          1. You are above the legal age for purchasing Products in your country of residence and thereby, have the ability to create a legally binding agreement; and
          2. You are able to provide an address in the UAE for the delivery of purchased Products.
        2. For Business Admin:
          1. You are a validly existing legal entity, duly registered in United Arab Emirate and are able to provide a validly existing trade license and VAT Certificate;
          2. You are able to provide proof of authorization for at least one individual who will be registering and using our Website and are able to provide identification for such identified individual. This individual shall be our point of contact for your organization and the person to who we raise any concerns. By providing this person’s details, you are authorizing such individual to represent your organization and thereby, bind the organization in any dealings with us. Where you share your login details and/or give access to your account with other members of your organization, you authorize such additional individuals to act through your account and shall be responsible for all action or inaction that happens through your account and shall be bound by their actions as if your organization had authorized such actions or inactions, whether in whole or in part;

    (iii) You have a validly existing corporate bank account for your entity and are able to provide us with supporting bank details (for payment for orders); and

    (iv) you acknowledge and agree that for certain Product categories, additional requirements may be applicable.

      1. Once your account has been approved, you will receive an email to the email address associated with your account and your account will “go-live” on our Website.
      2. Partners from sanctioned countries shall not be permitted to register an account with us and/or provide any Services through our Website.
      3. Whether you are registering as a Individual User or a Business Admin, you will be required to pick a secure password to create and login to your account.
      4. Upon the successful creation of an account with us, you will be given a profile on our Website. If you are a Business Admin, your profile will have certain information about your Business and other Users. For example, your profile may include the name and logo of your business and details of other users on the Website. By creating an account with us, you consent to the display of such information and the access of such information by other Users.
      5. You shall be responsible for ensuring the accuracy of the information you submit when creating an account with us. All information provided by you must be provided in good faith. Such information must be true and accurate in all material respects and not misleading as of the date such information is given. You should also revise this information regularly to check that the information we have for you is correct and current. You may delete or update the information that you have saved with your account at any time. We may request supporting documentation and/or information to verify the information you have provided to us is correct. We reserve the right to remove or suspend accounts that are not truthful or whereby the Business Admin   is unable to provide the documents we require. We shall not be liable for any costs, expenses or liabilities incurred by you due to inaccurate information.
      6. You are responsible for keeping your login information secret and secure at all times. You hereby agree not to permit any other person and/or persons outside of your organization to use your username and password and not to disclose or provide any other person your username, your password or any other information that may allow any other person to gain access to your account. You will remain responsible for all activity that occurs through or associated with your account (including but not limited to, any violations of this Clause 3). For the avoidance of any doubt, you may not use the account of anyone else We do not accept responsibility for any activity that occurs through your account.
      7. We reserve the right to reject or approve any request to create an account, to suspend your account and/or to delete your account at our sole discretion without any liability or obligation to provide reasons for the same.
    2. Users, Users PAYMENT, CANCELLATIONS AND REFUNDS.
      1. Users. You can create a User account with us, free of charge and such account shall remain active unless terminated in accordance with the provisions of these Terms and Conditions.
      2. In addition to the above stated information required to create an account with us, to register any type of paid account, you must provide us with one or more Payment Methods. If there is a problem charging your selected Payment Method, we may charge any other valid payment method associated with your account.
      3. Where a debit-visa or credit card is expired or otherwise invalid and/or payment cannot or has not been made and you are:
        1. Your subscription with us may be suspended, and your profile would not be visible until such time as payment has been successfully made.

    We reserve our right to delete any account which remains unused and unpaid for.

      1. If you are User, you can cancel your membership at any time, and you will continue to have access to the service through the end of your billing period (if applicable). To the extent permitted by the applicable law, payments are non-refundable, and we do not provide refunds or credits for any partial membership periods. To cancel, use the option available on your profile page. If you signed up for our Website using your account with a third party as a Payment Method and wish to cancel your Membership, you may need to do so through such third party, for example by visiting your account with the applicable third party and turning off auto-renew, or unsubscribing from service through that third party.
      2. We may change our subscription plans and the price of our service from time to time; however, any price changes or changes to your subscription plans will apply no earlier than 30 days following written notice to you on the email mentioned as your registration contact.
    2. RESTRICTIONS ON USE.
      1. The rights granted to you under these Terms and Conditions are subject to the following restrictions:
        1. You may not and shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of our Website or any of the content thereof;
        2. You may not and shall not access our Website in order to build a similar or competitive application, website, Website, product, and/or service;
        3. Except as expressly stated herein, no part of our Website may be copied, modified, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including but not limited to linked, framed, hyperlinked or deep-linked into any other Website, without our express written consent;
        4. All copyright and other proprietary notices on our Website (or on any content displayed thereon) must be retained on all copies thereof and the source clearly displayed; and
        5. Unless otherwise indicated, any future release, update, or other addition to functionality of our Website shall be subject to these Terms and Conditions.

    Certain activities, whether legal or illegal, may be harmful to you and to others. For your own protection and for the protection of others, you may not (and where applicable, procure that your employees shall not) at any time during your use of our Website or the Services:

        1. harass or abuse other Users and/or third parties, whether by threatening, stalking, spamming, transmitting junk mail, chain mail and/or any other form of harassment and/or abuse;
        2. violate the privacy of other Users and/or third parties, either by infringing applicable privacy laws, soliciting personally identifiable information for the purposes of harassment, exploitation, commercial activities, promotional activities, or any other reason;
        3. unfairly interfere with any other User or third party’s uninterrupted use and enjoyment of the Services and/or our Website;
        4. disrupt, interfere with, or otherwise harm or violate the security of our Website, system resources, accounts, passwords, servers or networks connected to or accessible through our Website; or
        5. act culturally or religiously offensive in any way.

     

      1. All information and interactions you make through your account or through your use of our Website must be appropriate, factual, and remain professional at all times. You shall at all times (and where applicable, procure that your employees shall at all times), (i) comply with applicable laws, rules and regulations, as well as the Islamic cultural sensitivity, morals, values, ethics and traditions (ii) must not infringe on any intellectual or proprietary rights of any third party, (iii) must not promote, contain, or display information that is inaccurate, false or misleading in any way, including but not limited to, impersonating or purporting to impersonate any other person or company, and (v) must not be offensive, illegal or inappropriate in any way.
      2. Without limiting the generality of the foregoing, when using our Website, you hereby agree not to post, list or upload content or Products that may in any way be considered as:
        1. culturally or religiously offensive in any way. You must at all the times assure that such contents are always in compliance with applicable laws, including but not limited to Islamic laws, rules, morals, values, ethics and traditions.
        2. illegal, obscene, abusive, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable.
        3. containing software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any form of spam.
        4. Defective, fake, damaged, false or misleading.
        5. Products you do not have a right to link, include, promote or sell; and/or
        6. Counterfeit or stolen items.
      3. Without limiting the generality of the foregoing, you agree not to use our Website and our Services if:
        1. You no longer fulfil the eligibility criteria set out above in these Terms and Conditions, are not able to form a legally binding contract, or are temporarily or indefinitely suspended from our Website;
        2. You fail to pay for Service And/Or Products purchased by you;
        3. You take any action that may undermine our Website’s feedback and/or ratings systems;
        4. You post false, inaccurate, misleading, deceptive, defamatory or other similar content;
        5. You transfer your account with us to a third-party without our prior written consent;
        6. You distribute or post spam, unsolicited or bulk electronic communications or anything similar;
        7. You distribute viruses or any other technologies that may harm our Website or the interests or property of other Users;
        8. Your content infringes on the intellectual property of third-parties;
        9. You harvest or otherwise collect information about other Users without their consent; and/or
        10. You circumvent any technical measures we use to provide the Services.
      4. Subject to the provisions of this Clause, we reserve our right to suspend or terminate your account with us, and/or remove any listing in our sole and absolute discretion. We may decide to provide you with reasons for any of the foregoing or request additional information before we make such a decision, however, we shall not be obligated to do so. Where we receive numerous complaints about a Users, we shall remove their account and they shall not be permitted to use our Website further. 
      5. Users are reminded that Products may still differ from the uploaded images (as pictures may not always accurately reflect items in real-life). We accept no responsibility for the inaccuracy of such information and/or the Product images that we upload, despite the fact that we may check these and remove any we deem to be inappropriate.   
    2.  WARRANTIES. 
      1. Our Website and the Services are provided to you on an “as is” basis without representations, warranties or conditions of any kind. We disclaim all warranties, conditions and representations of any kind, whether express, implied or collateral, including, but not limited to, all conditions, representations or warranties of merchantability, of fitness for a particular or general purpose, of non-infringement, of compatibility or that the Website is secure or error free or will operate without interruption or will be provided in a timely or proper manner or at all.
      2. Furthermore, whilst we attempt to be as accurate as possible, we do not warrant that Product descriptions or other content provided on our Website shall be accurate, complete, reliable, current, or error-free. Additionally, as a User, you agree that we are not responsible for examining or warranting the listings or content provided by third parties through your use of our Website, and that you will not hold us liable for any inaccuracies or defects in any listings.
    3. ORDERS AND PRODUCT PAYMENT.

    7.1 Our acceptance of an order will take place when we notify you of our acceptance in writing (e.g. by email or mobile messaging). If we are unable to accept your order, we will inform you of this in writing and will not charge you for the Product. Once the Order is complete, you will receive an electronic Order Acknowledgement for a purchase on the email address associated with your account.

    7.2 By placing an order through our Website, you authorize us and our third-party payment gateway provider to process your credit/debit card details for the amount you have confirmed with your order. For payment, we accept payment by credit/debit card, payment via your in-Website wallet (which we set-up for you as part of your account and in which refunds may be processed and/or amounts may be added)

    7.3 For payment via credit/debit cards, we may be required to set-up an account for you with our third-party payment gateway provider. By processing payment in this way, you hereby authorize us to do so on your behalf and shall not hold us liable for the same. Payments processed by a third-party payment gateway provider may also be subject to the third-party payment gateway provider’s standard terms and conditions, which are incorporated herein by reference and which you will be deemed to have accepted. You are kindly reminded that you should check such terms and conditions before processing your payment in this way and should review these terms and conditions on a period basis, to ensure that such terms and conditions have not changed. A failure to review such terms and conditions shall not be an excuse.

    7.4 We may, at our sole discretion, make any inquiry we deem necessary to verify your identity and/or ownership of your financial instruments by requesting that you provide us with further information or documentation, including, but not limited to requesting a form of identification and/or credit card. If we are unable to verify or authenticate any information you provide, we have the right to refuse delivery and cancel the order.

    7.5 We may change the ways in which you can pay for Service And/Or Products at any time and without prior notice to you.  

    7.6 You agree to pay the full amount payable for the Service And/Or Product as indicated during the order process, including any shipping costs or charges incurred with that order. All prices are displayed in United Arab Emirate dirhams.

    1. CANCELLING AN ORDER.

    8.1 You may cancel or refuse to accept your order immediately, prior to such item being shipped or customized, for any reason.

    8.2 We reserve the right to cancel any order at our sole and absolute discretion (whether or not such order has been charged to your credit/debit card), but including (and not limited to) if any of the following events occur:

        1. You fail to make a payment to us as and when it is due;
        2. the item/s is/are out of stock;
        3. we are unable to obtain authorization for your payment;
        4. shipping restrictions apply to a particular Product;
        5. we find a Product or pricing error;
        6. You do not, within a reasonable period of time, provide us with the information that we need to be able to process an order and/or deliver a Product;
        7. You do not, within five (5) Business days, allow us to deliver the Products; or
        8. You attempt to purchase products in bulk or process multi-order purchases for the same Products (and for which we may suspect a bulk purchase is being made).

    8.3 Where a cancelation or rejection of order occurs, we will inform you in writing. Your credit/debit card shall be refunded, or such amounts shall be added to your in-Website wallet (a wallet we set up for you and to which you will have access in your account) for future purchases (where a Service And/Or Product has already been paid for). In such situation we will not be liable to you or any third party by reason of our decision to decline processing an order, or unwinding or suspending any transaction after processing has begun.

    1. DELIVERY.

    9.1 The costs of delivery will be as displayed when placing an order.

    9.2 The estimated delivery date of your order will be displayed when placing an order. Actual delivery times may differ, as they depend on the party making the delivery and may be affected by external factors beyond our control.

    9.3 If our supply of a Product is delayed by an event outside of our control, then we will contact you to let you know and may take steps to minimize the effect of such delay (but shall not be liable for any delay caused by the same).

    9.4 The title to a Product along with risk and responsibility in such Product shall pass to a User when the User has paid for such Product and it has been delivered to the address specified with the User’s order.

    1. PRODUCT RETURNS.

    10.1 The following Products shall be eligible for a replacement, or refund within seven (7) days from the actual delivery date of such Products and must be non-customized, unused, in original unbroken packaging and include all tags and accessories.

    1. The wrong Product has been received which does not match the listing description for such Product on our Website or the specification of the Product as per your order;
    2. The Product has been received in a damaged, defective, or expired state; or
    3. You have simply changed your mind about your purchase provided that such Products are non-customized, unused, in original unbroken packaging and include all tags and accessories.

    10.2 The following Products shall not be eligible for a replacement, or refund:

    1. Products that have been customized, used and/or Products that have been damaged by you and/or Products that are not in the same condition as when you received them;
    2. Products with tampered or missing serial numbers; or
    3. Products sold during sales and/or promotion.
    4. Products marked as "non-returnable" on the Product detail page.

    10.3 If you receive damaged, defective, or expired Product, please notify us immediately upon having received such Product by emailing us at the email address at the end of the Terms and Conditions. We will ask you to provide pictures of such Product as part of our quality assurance checks. We will arrange for Product collection, and upon inspection and approval in accordance with these Terms and Conditions, a refund or replacement will be arranged.

    10.4 Products complying with the above provisions may be eligible for replacement only if the Product (exact same Product or similar with variation in color or size) in stock.

    10.5 How we refund the amount will depend on the method you used for payment.. If you have paid by credit/debit card, you may choose to have a refund by credit/debit card or to your in-Website wallet (which can then be used for future purchases through our Website).

    10.6 Card refunds may take up to thirty (30) business days for your bank to complete, depending on their processing time. This can vary greatly between card issuers, and we shall not be liable for any delays in refund by card companies. We offer no guarantees whatsoever for the accuracy or timeliness of the refunds reaching the Users card/bank accounts.

    10.7 Should a return Product not be accepted, we will notify you of such circumstance providing reasons for the same.

    10.8 If you think that we have provided you with an incorrect refund, you can contact us immediately at the email address at the end of the Terms and Conditions.

    10.9 If you have received a non-returnable Product in a damaged and/or defective condition, you can contact us within Seven (7) days from the delivery of the Product.

    1. LIABILITY.

    11.1 To the maximum extent permitted by applicable laws, we will not accept any liability in any event to you or any third party for any loss of profits, loss of data, costs of procurement of substitute goods, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or in relation to these Terms and Conditions and/or your use, or inability to use, our Website and/or the Services. Access to, and your use of our Website or the Services, shall be strictly at your own risk. You agree to indemnify and hold us (our affiliates, officers, employees, and agents) harmless from any and all claims and demands (including reasonable costs and attorneys’ fees) arising out of (a) your use of our Website, (b) your violation of these Terms and Conditions or any other terms or guidelines referred to herein (including third party or Supplier terms and conditions), or (c) your violation of applicable laws and regulations. We reserve our right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to fully cooperate with us with regards thereto and not to settle any matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

    11.2 For the avoidance of doubt, we shall not be responsible in any way whatsoever, for any liability, cost, expense, loss or damage, including for property or person, whether by injury or otherwise, caused by a User on any other User, or any third party. You agree to indemnify and hold us harmless for any and all liability, damages, claims, costs, losses or expenses (including reasonable legal fees) incurred as a result of your action or inaction in relation to the Service or these Terms and Conditions, whether in the form of a suit, claim or similar action.

    11.3 To the maximum extent permitted by law and notwithstanding anything herein to the contrary, our maximum liability arising from or in relation to these Terms and Conditions, your use of our Website (for any cause whatsoever and in any form of action) and/or the Services, shall be limited to seven-hundred UAE Dirhams (AED 700). The existence of more than one claim will not enlarge this limit as it shall be in the aggregate. You agree that our suppliers will have no liability of any kind arising from or relating to these Terms and Conditions.

    11.4 We will not be liable to you for any breach of these Terms and Conditions caused by any event beyond our reasonable control including but not limited to, acts of God, explosions, floods, tempests, fires or accidents; wars or threats of war, sabotage, insurrection, civil disturbance or requisition; acts, restrictions, regulations, by-laws, decrees or laws, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority; import or export regulations or embargoes; strikes, lock-outs or other industrial actions or trade disputes; difficulties in obtaining materials, labor, fuel, parts or machinery; power failure or breakdown in machinery.

    11.5 These Terms and Conditions shall not affect your legal rights whether under any mandatory consumer protection laws, which cannot be excluded or limited by applicable law.

    11.6 You hereby release and forever discharge us and our affiliates, officers, employees, agents, successors and assigns (as applicable) from and against each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind (including personal injuries, death, and property damage) that has arisen or arises directly or indirectly, in whole or in part, out of your use of our Website (including any and all interactions with, or act or omission of, other Website users and/or Third-Party Links & Ads). 

    1. INTELLECTUAL PROPERTY.

    As between you and us, you acknowledge that any and all intellectual property rights, including copyrights, patents, trademarks and trade secrets (collectively “Intellectual Property”) in our Website, its content and any and all content related to it in any way whatsoever, is owned and shall be owned by us or our suppliers (as applicable). Neither these Terms and Conditions (nor your access to or use of our Website or the Services) shall transfer to you or any third party, any rights, title or interest in or to such Intellectual Property, except for the limited access rights expressly set forth in clause 1.3 above. We reserve all of our rights not granted in these Terms and Conditions and reserve the same for our third-party providers. For the avoidance of any doubt, there are no implied licenses granted under these Terms and Conditions or by your use of our Website.

    1. THIRD-PARTY LINKS & ADS; OTHER USERS.

    Our Website may contain links to third-party websites and services and/or display advertisements for third parties (collectively “Third-Party Links & Ads”). We do not review, approve, monitor, endorse, warrant, or make any representations with respect to any Third-Party Links & Ads found on our Website and hereby expressly disclaim any and all liability in relation thereto. Access to Third-Party Links & Ads have been provided for your convenience only. Your use of any Third-Party Links & Ads shall be at your own risk. When accessing any Third-Party Links & Ads, additional terms and conditions are likely to apply, including but not limited to, the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with or any access to any Third-Party Links & Ads.

    1. FEEDBACK & COMPLAINTS.
      1. A User having purchased a Product from Us and having an account with us, may be able to leave feedback about a Product through the methods provided. We reserve the right to remove any feedback that is posted in breach of any provision of these Terms and Conditions and/or the applicable law.
      2. Should you have an additional complaint or comment to make about a User, you can submit such complaint or comment to us at the email provided at the end of these Terms and Conditions. Once a complaint has been received, a customer service representative will contact you within two (2) working days and a reference number will be assigned to such complaint. We will investigate such complaint and endeavor to assist with its amicable settlement, however, we do not guarantee any form of outcome.
      3. In case of a serious complaint against a user, we may remove the User from our Website or take any actions we deem necessary against a User; however, these shall be at our sole and absolute discretion.
    2. TERM AND TERMINATION.  

    15.1 These Terms and Conditions will remain in full force and effect for the entire time that you use Website or receive the Services and shall survive the termination of your account with us for a period of five (5) years from the date you last visited our Website. Without limiting the generality of the foregoing, these Terms and Conditions shall apply and shall continue to apply each and every time you open an account with us, avail or purchase a Product through our Website and/or otherwise access our Website for any other reason.

    15.2 We may suspend or terminate your rights to use our Website or the Services at any time for non-payment or any other infringements under these Terms and Conditions at any time. Upon termination of your rights under these Terms and Conditions, any account you may have with us and any right to access our Website and/or book Services shall be terminated immediately. We shall not be liable in any way whatsoever for any termination of your rights under these Terms and Conditions.

     

    1. GOVERNING LAW AND DISPUTE RESOLUTION.

    16.1 These Terms and Conditions shall be governed and construed in accordance with the Federal laws of United Arab Emirates for the time being in force.

    16.2 All Disputes shall be amicably resolved between us within ninety (90) days from the date thereof. Failure to reach amicable settlement shall cause the Dispute to be referred to the Dubai International Financial Centre (“DIFC”) Small Claims Tribunal (the “SCT”), provided that such Dispute qualifies for determination through the SCT and then the SCT shall have exclusive jurisdiction to settle any such Dispute. For Disputes that do not qualify for determination through the SCT, the courts of the DIFC shall have exclusive jurisdiction to settle such Dispute and each party submits to the exclusive jurisdiction of the courts of the DIFC. For the purposes of this section, you waive any objection to either the courts of the DIFC or the SCT, as applicable, on the grounds that either of them is an inconvenient or inappropriate forum to settle any Dispute.

    1. GENERAL.

    17.1 Severability.  If any provision of these Terms and Conditions are determined by a court of competent jurisdiction to be invalid, illegal or unenforceable, such provisions shall be severed from these Terms and Conditions and the remaining provisions will continue in full force and effect. 

    17.2 Electronic Communications. All communications between us and you will be in electronic form. For contractual purposes, you (i) consent to receive communications from us in an electronic form and (ii) you agree that all terms and conditions, agreements, notices, disclosures, and other forms of communication that we may provide you with, satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy. The foregoing does not affect any non-waivable rights.

    17.3 Entire Terms. These Terms and Conditions, together with our Privacy Policy and Cookie Policy  constitute the entire agreement between us and you regarding the use of our Website and the Services. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision. The section titles in these Terms and Conditions are for convenience only and have no legal or contractual effect. The word “including” means “including without limitation”. Any or all of the rights and limitations set forth in these Terms and Conditions may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of these Terms and Conditions. These Terms and Conditions, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without our prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.  We may freely assign these Terms and Conditions at our sole and absolute discretion. The terms set forth in these Terms and Conditions shall be binding upon assignees.

    17.4 Copyright/Trademark Information.  Copyright © 2022 OXYFINZ. All rights reserved.  All trademarks, logos and service marks (“Marks”) displayed on our Website and in relation thereto are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.

    17.5 Contact. Should you wish to contact us, please feel free to do so at the following email address support@oxyfinz.co

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