Please read these terms and conditions carefully before using this website.

1. Who are we? We are GratiyaAdvisory of Building SS05-GF-001, Al Wasl Avenue, Expo City Dubai, P.O. Box 73384, Dubai, United Arab Emirates (“Gratiya”, “we” or “us”).

2. Application of Terms: The following terms (“Terms of Use”) governthe users’(“users” or “you”)access to and use of our website, Gratiya.com.

3. Acceptance of Terms: Utilization of our website signifies your acceptance and adherence to the Terms of Use. If you do not agree to these terms, you are prohibited from using our website.

4. Age Requirement: Access to our website is restricted to individuals who are at least 18 years old. Individuals under the age of 18 (minors), are not permitted to use our websitewithout adult supervision.

5. Additional Terms: By using our website, you acknowledge that thefollowing additional terms are incorporated in the Terms of Use, which govern your usage of our website:

1. 1. Privacy Policy: This policy outlines the terms under which we process any personal data collected from you or provided by you. Your use of our website implies your consent to such processing, and you affirm that all data provided by you is accurate.
   2. Cookie Policy: This policy provides information concerning the cookies used on our website.
   3. Third Party Terms & Conditions: We may offer tools or links to other websites, applications, resources, and/or services operated by third parties (collectively referred to as “Third-Party Services”). When interacting with a Third-Party Service, you are not engaging with us directly. Should you choose to utilize a Third-Party Service, you acknowledge and agree to abide by the terms of use and privacy policy established by the Third-Party Service provider, subject to updates. Your access and/or use of a Third-Party Service are undertaken at your own risk. We bear no responsibility or liability for your use of any Third-Party Service. You acknowledge that it is your responsibility to locate and review the most current versions of the Third-Party Service provider’s terms of use and privacy policy before utilizing such services.

6. Changes to Terms of Use: We reserve the right to amend these Terms of Use periodically. Prior to using our website, we encourage you to review these terms to ensure comprehension of the current terms in effect. Your continued use of our website signifies your acceptance of any modifications made. Additionally, we may update and modify our website as needed.

7. Suspension or Withdrawal of Website: Our website is provided free of charge. Any services offered through our website that incur fees will be clearly outlined in the relevant section of the website. We do not guarantee uninterrupted availability of our website or its content. We reserve the right to suspend, withdraw, or restrict access to all or parts of our website for business and operational purposes at any time. Despite this right of suspension or withdrawal, we endeavour to provide reasonable notice of any such actions. It is your responsibility to ensure that all individuals accessing our website through your internet connection are informed of these Terms of Use and other pertinent terms and conditions, and that they adhere to them.

8. Use of Material on Our Website:We are the proprietors or licensees of all intellectual property rights inherent in our website and its published material (excluding those related to any Third-Party Service). These works are safeguarded bycopyright laws and treaties, with all rights reserved. Users of our website are granted a limited license to utilize (display or print) the information contained therein for their own personal non-commercial use solely. Users are prohibited from altering, in any manner,the paper or digital copies of any materials printed off or downloaded from our website. The users are also prohibited from using any illustrations, photographs, videos, audio sequences, or graphics separately from accompanying text. Our (along with any identified contributors’) status as the authors of content on our website must always be acknowledged. Commercial use of any part of the content on our website requires acquisition of a license and our prior written consent. Should you print off, copy, or download any part of our website in breach of these Terms of Use, your right to use our website will terminate immediately, and you must, at our discretion, either return or destroy any copies of the materials you have made. Without our prior written consent, no part of our website may be reproduced or stored on any other website.

9. Non-Reliance on Information:The content on our website serves solely for general information purposes. It should not be relied upon as advice. Before taking or refraining from any action based on the content on our website, you should seek professional or specialist advice. Despite our efforts to present accurate and reliable information, we do notguarantee the accuracy, completeness or timeliness of the content, nor do werepresent, endorse, approve, or certifyany information,express or implied.

10. Third-Party Links:Our website may contain links to other sites and resources provided by third parties. These links are provided for informational purposes only and without warrantyregarding the content of third-party sites,expressed or implied.We have no control over the content of these linked sites, platforms or resources, and such links should not be construed as an endorsement of any product, service or information you may obtain from the linked websites. A link to another site or platform does not imply affiliation or association with us, nor authorization to use any trademark, trade name, logo, or copyrighted symbol. We assume no responsibility for any Third-Partyowned tools, products or content featured or made available to you on our website or on any third-party site(s) that we may link.

11. User-Generated Content:Information and materials of our websiteuploaded by users, on platforms including but are not limited to social media, blogs and newsletters, are not verified or approved by us. The views expressed by other users on our website do not necessarily represent our views or values.

12. Virus Protection and Misuse:We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programsand platforms to access our website. You should use your own virus protection software. You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, or other malicious or technologically harmful material. You must not attempt to gain unauthorized access to our website, the server on which our website is stored, or any server, computer, or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. Breach of this provision may constitute a criminal offense under the laws of the United Arab Emirates and/or other relevant jurisdictions. We will report any such breach to the relevant law enforcement authorities and cooperate with them by disclosing your data and identity. In the event of such a breach, your right to use our website will cease immediately.

13. Rules about Linking to Our Website:You may link to our home page, if done in a fair and legal manner that does not damage or take advantage ofour reputation. You must not establish a link that suggests any form of association, approval, or endorsement from our part without our written consent. Links to our website should not be placed on any part of a website or other platforms not owned by you. Links to any part of our website other than the home page is prohibited. We reserve the right to withdraw linking permission without notice.

14. Disclaimer:Your usage of our website is undertaken at your own risk, and we hereby disclaim all liability to the fullest extent permitted by law. We disclaim and exclude all warranties, whether expressed or implied, and shall not be liable for any damages, including but not limited todamages, losses, harms, negative consequences on businesses’ performance, profits and reputation, and so on, arising from the use of or inability to use this site, any content material, or from any action or decision taken as a result of using this site or any such material.

15. General: These Terms of Use, their subject matter, and their formation (including any non-contractual disputes or claims) are governed by the laws of the United Arab Emirates, whose courts shall have exclusive jurisdiction. If any of these terms are deemed illegal, invalid, or unenforceable by the laws of any state or country in which they are intended to be effective, the affected term shall be severed and deleted to the extent and within the jurisdiction in which it is illegal, invalid, or unenforceable. The remaining terms and conditions shall remain in full force and effect and continue to be binding and enforceable. If you have suggestions or comments regarding this website, you can send them to the following email address: Info@Gratiya.com.