TERMS OF SERVICE

Effective Date: 17.06.26

1. Introduction

Welcome to Gifford Trade Group FZCO (“we,” “us,” or “our”). These Terms of Service (“ToS” or “Agreement”) govern your access to and use of our services, including algorithmic templates and coaching around template usaage (collectively, the “Services”). By accessing, using, or interacting with our Services, you (“User,” “you,” or “your”) agree to be bound by these ToS and our Privacy Policy, which is incorporated by reference into this Agreement. If you do not agree to these ToS, you must discontinue your use of the Services immediately.

This Agreement forms a legally binding contract between you and Gifford Trade Group FZCO. Please read these ToS carefully. By accepting these ToS, you also acknowledge and accept the Arbitration Agreement contained in Section 15, which waives your right to a jury trial and to participate in class actions.

2. Definitions

“Account”: The account you create when you register to use our Services.

“Content”: Any and all text, data, images, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, computer code, and other materials provided through the Services.

“Data”: Any information, including Personal Data, that you provide or that is collected from you in connection with your use of the Services.

“Personal Data”: Any information relating to an identified or identifiable individual, as defined under applicable privacy laws.

“Sales Kick”: The platform provider we use as a subcontractor for processing and enriching your data, operating solely on our behalf and under our control. Sales Kick is not a party to this Agreement.

“Third-Party Services”: Any services or products provided by entities other than Gifford Trade Group FZCO that are made available through our Services.

3. Acceptance of Terms

By accessing or using the Services, you affirm that you are at least 18 years of age, or the age of majority in your jurisdiction, and are capable of entering into a legally binding agreement. If you are using the Services on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these ToS.

4. Modification of Terms

We reserve the right, at our sole discretion, to modify, update, or change these ToS at any time. Such changes will be effective upon posting the updated ToS on our website or platform. You should review these ToS regularly. Your continued use of the Services after any changes to these ToS constitutes your acceptance of the revised ToS. If you do not agree to the new terms, you must stop using the Services immediately.

5. Services Overview

a. Description of Services

Gifford Trade Group FZCO provides algorithmic trading education, coaching, training programs, software recommendations, application processing, appointment scheduling, and related customer support services.

As part of the application and enrolment process, the Company may use third-party technology providers to collect and analyse information voluntarily submitted by prospective clients, including contact information, trading experience, financial circumstances, and other information relevant to determining suitability for the Company's programs and services.

These Services are designed to facilitate the application process, assess eligibility, improve customer experience, schedule consultations, and provide educational and coaching services relating to algorithmic trading and portfolio development.

The Company does not provide financial advice, investment management services, brokerage services, or regulated investment recommendations. All educational content, coaching, software tools, and related materials are provided for informational and educational purposes only.

b. Third-Party Subcontractors

To enhance the functionalities of our Services, we use the Sales Kick platform as a subcontractor to process and enrich your data. Sales Kick operates solely under our direction and is not a party to this Agreement. You will not interact directly with Sales Kick, and your data will be processed as part of our integrated service offering.

c. Service Availability

While we strive to ensure the continuous availability of our Services, we cannot guarantee that the Services will be uninterrupted or error-free. We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice.

6. User Obligations and Conduct

a. Compliance with Laws

You agree to comply with all applicable laws, regulations, and industry standards when using the Services, including but not limited to privacy, data protection, intellectual property, and export control laws.

b. User Account Responsibilities

Account Information: You agree to provide accurate, current, and complete information when creating your Account and to update such information as necessary.

Security of Account: You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You must notify us immediately if you suspect any unauthorized use of your Account.

c. Prohibited Activities

You agree not to:

Use the Services for any illegal, unauthorized, or prohibited purpose.

Infringe on the rights of others, including intellectual property rights.

Interfere with or disrupt the Services, servers, or networks connected to the Services.

Use any automated means (e.g., bots, scrapers) to access or collect data from the Services without our express permission.

Impersonate any person or entity or misrepresent your affiliation with a person or entity.

Use the Services to transmit any malicious software, viruses, or other harmful code.

Engage in any activity that could damage, disable, or impair the functioning of the Services.

7. Data Privacy and User Consent

a. Data Collection and Processing

Personal Data: We collect and process your Personal Data as part of providing the Services. This may include data you provide directly, data we collect automatically, and data we obtain from third-party sources.

Data Enrichment: Your data may be enriched through the Sales Kick platform, which processes your information on our behalf to enhance the accuracy, relevance, and utility of the Services we provide to you.

b. User Consent

By using our Services, you consent to:

The collection, processing, and sharing of your data as described in these ToS and our Privacy Policy.

The use of your data for the purpose of improving, customizing, and optimizing the Services, including through data enrichment and calendar management.

The sharing of your data with Sales Kick, our subcontractor, solely for the purpose of providing the Services.

The transfer of your data to and from third-party service providers, as necessary to deliver the Services.

I understand by submitting an application to book a sales call, I am providing written instructions authorizing Gifford Trade Group FZCO and affiliates to obtain my personal credit profile or other information from credit reporting agencies under the FCRA solely to conduct a credit pre-qualification. I further understand that this is a soft pull and will not harm my credit in any way whatsoever.

c. Data Sharing and Disclosure

Subcontractors and Service Providers: We may share your data with subcontractors, including Sales Kick, who assist us in providing the Services. These parties are bound by confidentiality and data protection obligations and will not use your data for any purpose other than to perform the Services on our behalf.

Legal Compliance: We may disclose your data to comply with legal obligations, such as in response to court orders, legal processes, or government requests.

d. Data Security

Security Measures: We implement reasonable security measures to protect your data from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

User Responsibilities: You are responsible for safeguarding the device and network through which you access the Services. You should ensure that your software and systems are up to date and that you take appropriate precautions to protect your data.

8. Intellectual Property Rights

a. Ownership

All intellectual property rights in the Services, including but not limited to software, content, trademarks, and logos, are owned by Gifford Trade Group FZCO or its licensors. Your use of the Services does not grant you any rights to our intellectual property, except for the limited rights necessary to use the Services in accordance with these ToS.

b. License to Use the Services

Subject to your compliance with these ToS, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes.

c. Restrictions

You may not:

Copy, modify, distribute, sell, or lease any part of our Services or included software.

Reverse engineer or attempt to extract the source code of any software used in the Services, except as expressly permitted by applicable law.

Use any of our intellectual property, including trademarks, logos, or content, without our express written consent.

9. Representations and Warranties

a. User Representations and Warranties

You represent and warrant that:

Authority: You have the legal authority to enter into and comply with these ToS.

Accuracy of Information: All information you provide in connection with your use of the Services is accurate, complete, and current.

Compliance with Laws: You will comply with all applicable laws, regulations, and industry standards in your use of the Services.

No Infringement: Your use of the Services does not and will not infringe on the intellectual property, privacy, or other rights of any third party.

No Harmful Activities: You will not engage in any activity that is harmful to us, Sales Kick, our other users, or the general public, including the transmission of viruses, malware, or other harmful code.

b. Third-Party Client Representations and Warranties

Gifford Trade Group FZCO represents and warrants that:

Compliance with Laws: We will comply with all applicable laws, including data protection and privacy laws, in providing the Services.

No Conflict: Our provision of the Services does not and will not conflict with any other agreement or legal obligation to which we are subject.

Data Security: We will implement reasonable security measures to protect your data and ensure that our subcontractors, including Sales Kick, comply with applicable data protection obligations.

Service Continuity: We will make commercially reasonable efforts to ensure the continuous availability of the Services, subject to the limitations set forth in these ToS.

c. Disclaimer of Warranties

Except as expressly provided in these ToS, the Services are provided "as-is" and "as-available" without any warranty of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or any warranties arising from course of dealing, course of performance, or usage in trade.

10. Limitation of Liability

a. Exclusion of Damages

To the fullest extent permitted by law, Gifford Trade Group FZCO, Sales Kick, and their affiliates, officers, agents, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, arising out of or related to your use of the Services, even if advised of the possibility of such damages.

b. Cap on Liability

In no event shall the total liability of Gifford Trade Group FZCO, Sales Kick, and their affiliates to you for all claims arising out of or related to these ToS or your use of the Services exceed the amount you paid to us for the use of the Services in the 12 months preceding the claim.

c. No Liability for Third-Party Services

We are not responsible for any Third-Party Services made available through the Services. Your use of Third-Party Services is at your own risk, and we make no representations or warranties regarding such services.

11. Indemnification

You agree to indemnify, defend, and hold harmless Gifford Trade Group FZCO, Sales Kick, and their affiliates, officers, agents, employees, partners, and licensors from any claim, demand, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

Your use of the Services.

Your breach of these ToS or violation of any applicable laws or the rights of a third party.

Any claims that your use of the Services infringes the intellectual property rights of a third party.

Any data or content you provide or create through the Services.

12. Termination

a. Termination by You

You may terminate your use of the Services at any time by ceasing to use the Services and, if applicable, closing your Account.

b. Termination by Us

We reserve the right to suspend or terminate your access to the Services at any time, without notice or liability, for any reason, including if we believe you have violated these ToS or engaged in unlawful behavior.

c. Effects of Termination

Upon termination of your access to the Services, your right to use the Services will immediately cease. Any provisions of these ToS that by their nature should survive termination will survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Dispute Resolution and Governing Law

a. Governing Law

These ToS and any disputes arising out of or related to them will be governed by the laws of Dubai, UAE, without regard to its conflict of laws principles.

b. Arbitration Agreement

i. Arbitration

You and Gifford Trade Group FZCO agree that any dispute, controversy, or claim arising out of or relating to these Terms of Service, the Services, or any relationship between the parties, including claims based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, shall be resolved through binding arbitration administered by the Dubai International Arbitration Centre (DIAC).

The arbitration shall be conducted in accordance with the DIAC Arbitration Rules in force at the time the arbitration is commenced. The arbitration shall be conducted by a single arbitrator experienced in commercial disputes relating to educational, coaching, software, and online services. The seat of arbitration shall be Dubai, United Arab Emirates, and the proceedings shall be conducted in the English language.

The arbitrator's decision shall be final and binding upon the parties, and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

To the fullest extent permitted by law, the parties agree that any arbitration shall be conducted solely on an individual basis and not as a class, collective, representative, or consolidated action.

The arbitration shall take place in Dubai, UAE, or at another mutually agreed location. If the amount in controversy does not exceed $10,000, you may choose to have the arbitration conducted by telephone, video conference, or based solely on written submissions, subject to the discretion of the arbitrator.

The parties shall share the costs of arbitration, including arbitrator fees, equally, unless the arbitrator determines that such apportionment is not appropriate given the circumstances of the case. Each party shall bear its own legal fees and expenses, unless the arbitrator awards legal fees and costs to the prevailing party under applicable law.

You agree that any arbitration or proceeding shall be conducted only on an individual basis and not as a class, consolidated, or representative action. The arbitrator may not consolidate more than one person’s claims or preside over any form of a representative or class proceeding.

If any portion of this Arbitration Agreement is found to be unenforceable, the remaining portions shall remain in full force and effect. However, if the class action waiver in this Arbitration Agreement is found to be unenforceable, the entire Arbitration Agreement shall be null and void.

In the event that this Arbitration Agreement is found not to apply to a dispute, you and Gifford Trade Group FZCO agree that any non-arbitrable disputes shall be resolved exclusively in the state or federal courts located in Dubai, UAE, and you consent to venue and personal jurisdiction in such courts.

Any arbitration proceedings, documents, and information exchanged between the parties in connection with such proceedings, and any final arbitration award, shall be strictly confidential, except as necessary to enforce or challenge the arbitration award in a court of law, or as required by law.

14. Miscellaneous

a. Entire Agreement

These ToS, together with our Privacy Policy, constitute the entire agreement between you and Gifford Trade Group FZCO concerning the Services and supersede any prior agreements, whether written or oral.

b. Severability

If any provision of these ToS is found to be unlawful, void, or unenforceable, then that provision shall be deemed severable from these ToS and shall not affect the validity and enforceability of any remaining provisions.

c. Waiver

No waiver of any term of these ToS shall be deemed a further or continuing waiver of such term or any other term, and Gifford Trade Group FZCO’s failure to assert any right or provision under these ToS shall not constitute a waiver of such right or provision.

d. Assignment

You may not assign your rights or obligations under these ToS without our prior written consent. We may assign our rights and obligations under these ToS without restriction.

e. Force Majeure

We shall not be liable for any failure or delay in our performance under these ToS due to causes beyond our reasonable control, including, but not limited to, acts of God, war, terrorism, strikes, supply chain disruptions, pandemics, power outages, or governmental restrictions.

f. Headings

The headings used in these ToS are for convenience only and have no legal or contractual effect.

g. Contact Information

For any questions or concerns regarding these ToS, please contact us at [email protected].