Terms of Service (engagement terms)

Last updated: October 2026 · Language: English

How these Terms are built

One master document, three service schedules.

• Sections 1 to 22 apply to every engagement.
• Schedule 1 applies to Business Consulting, Schedule 2 to AI & Cybersecurity, Schedule 3 to Wellness & Wellbeing. Only the schedules named in the Proposal apply.
• Section 20 (Consumers) overrides everything else for a Client who is a Consumer.

1. Who we are and what we do

1.1 These Terms are between ETERAX GROUP - FZCO, a free zone company, licence No 51654, with its address at Building A1, Dubai Digital Park, Dubai, United Arab Emirates ("ETERAX", "we", "us") and the person or company named in the Proposal ("Client", "you").

1.2 What we are. We are a consultancy. We advise, plan, coach and coordinate. We do not perform activities that need another licence or registration.

1.3 What we are not. We are not a law firm, tax adviser or agent, accountant, bank, financial or investment adviser, immigration or visa agent, real estate broker, IT or security services provider, or medical or psychological provider. Nothing we provide is legal, tax, investment, immigration, medical or psychological advice. Registrations, bank accounts, residency, legal work and tax filings are carried out by licensed third parties or authorities that you engage directly (Section 9).

1.4 These Terms govern every Proposal. They do not govern use of our website (see the Terms of Use). These Terms apply to eterax.group and to engagements made through it only. They do not apply to tajemstvikrystalu.cz or any other brand or site, which has its own terms.

1.5 Definitions.

• "Proposal": the written document we send after the Assessment, with scope, timeline, price and the Service Areas that apply.
• "Assessment": the free 50-minute call or meeting before a Proposal.
• "Service Area": Business Consulting, AI & Cybersecurity, or Wellness & Wellbeing.
• "Services" and "Deliverables": what the Proposal says we will do and hand over.
• "Third-Party Costs": government, registry, bank, notary, translation, courier, licence, software and similar fees charged by anyone other than us.
• "Partner": a bank, law firm, accountant, registrar, notary, agent or other independent provider we introduce.
• "Consumer": a natural person who enters the contract for purposes mostly outside their trade, business, craft or profession. "Business Client": any other Client.

2. Assessment, Proposal and forming the contract

2.1 The Assessment is free and creates no contract. What you tell us is used to prepare the Proposal and handled under Section 12.

2.2 We aim to send a written Proposal within 48 hours after the Assessment (not counting weekends and UAE public holidays). This is a target, not a promise.

2.3 A Proposal states for each Service Area: scope, timeline, fixed price, payment schedule, estimated Third-Party Costs, assumptions, and the kinds of Partners or subcontractors we expect to involve.

2.4 A Proposal is valid for 30 days. We may withdraw it earlier before you accept if circumstances change.

2.5 The contract is formed when you accept the Proposal by signing it (including electronically), clicking an acceptance button we provide, replying "accepted" by email from the address we sent it to, or paying the first invoice. Acceptance means you accept these Terms as published on the date of the Proposal.

2.6 We may decline an engagement for any lawful reason, including a failed identity check (Section 6) or a conflict of interest.

2.7 Each Proposal is a separate contract. Each Service Area in it can be ended on its own.

3. Order of documents

3.1 If documents conflict: (a) the Proposal, for terms it states on purpose and marks as overriding; (b) the Schedule for the Service Area; (c) Sections 1 to 22; (d) any DPA we sign with you.

3.2 Your own purchase terms or supplier forms do not apply.

4. Scope and change control

4.1 We do the Services in the Proposal. Anything else is out of scope.

4.2 If you ask for something out of scope, or facts change (for example an extra jurisdiction, more shareholders, a bank asking for more documents), we tell you before we do the extra work and send a short change note with price and timeline effects. We start it only when you accept the note in writing. Email is enough.

4.3 If an assumption in the Proposal proves wrong because of information you gave us or did not give us, we may issue a change note. If the cause is our error, we correct it at our cost.

4.4 Timelines are estimates. Many steps depend on third parties (banks, registries, authorities, Partners) and on you. Timelines on our website or in a Proposal describe our experience and are not a guaranteed outcome.

5. What we need from you

5.1 You give us complete, accurate and current information, and tell us promptly if it changes.

5.2 You respond to our requests within the time in the Proposal, or if none, within 5 business days. If you do not, deadlines move and we may pause work (Section 16).

5.3 You confirm you may lawfully give us the information, access and materials you provide.

5.4 You stay responsible for your own decisions, for your own tax filings and declarations in every country where you or your companies are liable, and for getting independent legal and tax advice in each of those countries.

5.5 You will not use our Services to hide assets, evade tax, avoid sanctions, launder money or conceal beneficial ownership. We do not arrange nominee structures to conceal ownership.

6. Identity checks, anti-money-laundering and sanctions

6.1 Banks, registries, Partners and authorities must verify who you are, who owns and controls any company, where your funds come from and why you want a structure. You give what they ask, in the form they ask, including certified or apostilled copies and source-of-funds evidence. We may also run our own checks.

6.2 We may refuse, pause or end an engagement if we cannot complete these checks to our satisfaction, if a Partner or bank refuses to proceed, or if we suspect a legal breach.

6.3 The law may require us or a Partner to report certain information to an authority, in the UAE or elsewhere, without telling you. We may do so, and we have no liability for doing it in good faith.

6.4 You confirm that you and your owners, directors and beneficial owners are not subject to sanctions that would make dealing with you unlawful, and you will tell us at once if that changes.

6.5 Mandatory disclosure and information-exchange rules (for example CRS and the EU's DAC6 and DAC8) may require you, a Partner or us to report arrangements or accounts. You cooperate.

6.6 If we end an engagement under this Section, fees for work already done remain payable and we refund the unused part of prepaid fees, except where the reason is your breach of 5.5 or 6.4, in which case we may keep fees to the extent the law allows.

7. Fees and Third-Party Costs

7.1 Fixed price. Our fee for each Service Area is the fixed price in the Proposal. It is not hourly. In-scope work costs no more, subject to Section 4.

7.2 We do not hold client money. Third-Party Costs, including Partner fees, government and bank fees, are charged by those third parties and paid by you directly to them. We do not collect them from you, hold them or pay them on your behalf. If we agree in writing to advance a small cost (for example a courier), we invoice it at cost with the receipt and no mark-up.

7.3 The Proposal lists estimated Third-Party Costs, so you can budget. They are estimates from third parties and may change.

7.4 Partner fees are set by the Partner. Your contract with a Partner is separate from ours (Section 9).

7.5 No-commission policy. We do not accept fees, commissions, referral payments or other benefits from Partners or any other third party for introductions, recommendations or transactions that result from them, including real estate purchases. Our only remuneration for an Engagement is the fee stated in the Proposal. The decision to engage a Partner is yours.

7.6 Corporate services roles. Roles such as registered agent, nominee director, nominee shareholder, company secretary or other corporate service provider are not part of our standard Services. They are provided only under a separate written agreement, either by ETERAX where it holds the required licence and registrations at that time, or by a licensed provider you engage directly. Identity, anti-money-laundering and source-of-funds duties (Section 6) apply in full.

7.7 Prices are in the currency stated in the Proposal. Currency conversion and bank charges on your side are yours.

8. Invoicing, payment, late payment and taxes

8.1 Schedule. Unless the Proposal says otherwise: 50% of the fee for Business Consulting and AI & Cybersecurity is due on acceptance and 50% on delivery or on the milestone named in the Proposal. Wellness & Wellbeing fees are due 100% in advance.

8.2 Each invoice is due within 14 days of the invoice date, in cleared funds. Bank details and the payment methods available are shown on the invoice.

8.3 Late payment, Business Clients. Overdue amounts bear interest at 1% per month, to the extent the law permits. After 7 days' written notice we may pause the Services until payment, and recover reasonable collection costs.

8.4 Late payment, Consumers. We charge no contractual interest or collection costs to Consumers beyond what the law of their country allows.

8.5 Taxes. Prices exclude VAT and similar taxes unless stated. If we are required to charge VAT or another tax, we add it and show it on the invoice. We are responsible for taxes on our own income. For Consumers, the price shown in the Proposal is the final price including any tax we must charge.

8.6 Withholding, Business Clients. If law requires you to withhold tax from a payment to us, you pay the extra amount needed for us to receive what we would have received, and give us the withholding receipt. This does not apply to Consumers.

8.7 No set-off against our fees without our written agreement, except where the law gives a Consumer that right.

8.8 Refunds. Fees are not refundable once the work they pay for has been done. Prepaid fees for work not yet done are refunded as Sections 6.6, 16 and 20 and Schedule 3 state. Third-Party Costs are not ours to refund.

9. Partners and third parties

9.1 You contract directly with Partners. Banks, law firms, accountants, agents, registrars, notaries and other licensed providers are engaged by you under their own terms. We facilitate the introduction and support the work where needed, for example by coordinating information and timing. Depending on the case, we and the Partner sign a non-disclosure agreement.

9.2 Partners are independent. They are not our employees or agents and we do not give their advice. We choose the Partners we introduce with reasonable care. We are not responsible for a Partner's advice, acts or omissions.

9.3 Banks, registries, free zones, immigration and tax authorities and other third parties decide for themselves. We do not control and are not liable for their decisions, including refusal or delay of a bank account, licence, registration, residency or visa, a change in their rules or fees, or a tax authority's view of your structure. We do not guarantee approval.

9.4 You authorise us to share your information with Partners and third parties as needed for the Services, as the Privacy Policy states.

10. Subcontracting and processors

10.1 We may use different processors and subcontractors depending on the engagement. The current list is available on request.

10.2 Each is bound by confidentiality and, where personal data is involved, by data protection terms at least as protective as these Terms.

10.3 We stay responsible to you for work done by our subcontractors as for our own. We do not use "a subcontractor did it" as a defence against you.

11. Confidentiality

11.1 Each party keeps the other's non-public information confidential, uses it only for the engagement, and protects it with at least reasonable care.

11.2 This does not cover information that is public through no fault of the receiver, was already known to it, was independently developed, or was lawfully received from a third party.

11.3 We may disclose confidential information to our employees, subcontractors and Partners who need it and are bound to keep it confidential, to banks, registries and authorities as the Services require, to our professional advisers and insurers, and where required by law, in which case we tell you if the law allows.

11.4 These duties last for 5 years after the engagement ends. Personal data stays protected as long as we hold it.

11.5 We name you as a client only with your written permission.

12. Data protection

12.1 Roles by Service Area.

12.2 Processor terms. Where we act as your processor we: process personal data only on your documented instructions; ensure persons processing it are bound by confidentiality; apply appropriate security measures; use sub-processors only under written terms with the same protection (the current list is available on request); help you answer data subject requests and security incidents; tell you without undue delay after we become aware of a personal data breach affecting your data; delete or return the data at the end of the Services unless the law requires us to keep it; and allow reasonable audits on notice, at your cost, not more than once a year unless a breach has occurred. Our Data Processing Agreement is available on request. It lists categories of sub-processors, with the current list on request.

12.3 Storage. The personal data we manage is stored on servers in the European Union.

12.4 Our own processing (website, enquiries, billing, identity checks) is described in the Privacy Policy.

12.5 You have a lawful basis, and give all required notices, for personal data you ask us to process. You do not give us special category data (health, biometric, criminal) unless the Proposal needs it. We do not ask for or store health information from wellness clients.

12.6 Each party tells the other without undue delay if it becomes aware of a personal data breach affecting data covered by the engagement. Each is responsible for its own notifications where it is the controller.

13. Intellectual property and Deliverables

13.1 Each party keeps its pre-existing intellectual property. We keep our methods, templates, checklists, tools and know-how, including improvements to them.

13.2 On full payment, you own the Deliverables created specifically for you (for example your reports, plans, policies, process maps and documents), and we assign the rights in them to you. We may keep a copy for our records. We may reuse our methods, templates and general know-how, but not your confidential information.

13.3 Third-party deliverables (registry filings, certificates, licences, Partner work product) belong to whoever the issuer says.

13.4 You license us to use your materials and data only to deliver the Services.

13.5 We name you as a reference only with your permission (11.5).

14. Standard of service and what we do not promise

14.1 We perform the Services with reasonable skill and care, using suitably qualified people.

14.2 We promise a process, not a result. We do not guarantee that a bank will open an account, that an authority will approve a licence, residency or visa, that a structure produces any tax result or is accepted by a tax authority, that any system is free of vulnerabilities or incidents, or that a regulator, auditor or counterparty finds you compliant.

14.3 Cost, savings and tax-rate figures on our website or in presentations (for example the savings estimator) are illustrations, not forecasts or advice.

14.4 Except as these Terms state, we give no warranties, to the extent the law allows. This does not remove any right a Consumer has by law.

15. Limitation of liability

15.1 Nothing limits liability that cannot be limited by law, including liability for fraud, wilful misconduct, gross negligence, and death or personal injury caused by negligence.

15.2 Business Clients. Subject to 15.1:
(a) our total liability for all claims arising from one Proposal and one Service Area is limited to the fees you paid for that Service Area under that Proposal (100% of fees paid; the same for every Service Area);
(b) we are not liable for loss of profit, revenue, business, goodwill or anticipated savings, loss of data, business interruption, or any indirect or consequential loss;
(c) we are not liable for the acts or decisions of banks, registries, authorities, Partners or other third parties (9.3), or for a change in law or practice after a Deliverable was issued;
(d) we are not liable for loss caused by your failure to give accurate information, follow our written instructions, implement a recommendation, renew a licence or filing on time, or keep your own backups and access controls.

15.3 Business Clients notify a claim within 12 months of when they knew or should have known of its cause.

15.4 Consumers. Section 20 applies in place of 15.2 and 15.3. We are liable to Consumers as the law of the Consumer's country requires.

15.5 Each limit is separate and applies even if a remedy fails its purpose.

16. Term, suspension and termination

16.1 The contract starts on acceptance and lasts until the Services are delivered and paid for, or until it ends under this Section.

16.2 You may end a Service Area at any time by written notice. You then pay for work done to the end date, valued by the milestone schedule in the Proposal or, if none, by a fair proportion of the fixed price. We refund the rest of anything prepaid. There is no wind-down fee.

16.3 We may end or pause by written notice if you: (a) do not pay after the notice in 8.3, (b) materially breach and do not fix it within 14 days of notice, (c) fail the checks in Section 6, (d) become insolvent, (e) behave abusively or dangerously towards our staff, Partners or other participants, or (f) make it unlawful or unsafe for us to continue.

16.4 If we end under 16.3(a) to (e), you pay as in 16.2. If we end for a reason that is not your fault, we refund prepaid fees for undelivered work.

16.5 Survival. The following survive: 6.3, 6.6, 8, 11, 12, 13, 15, 16.5, 20, 21, 22.

17. Force majeure

17.1 Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disaster, epidemic, war, armed conflict or its effects on travel and airspace, terrorism, strikes, power or network outages not caused by the party, cyber attacks that reasonable security would not have prevented, changes of law, closure or suspension of banks, registries or authorities, and failures of third-party platforms.

17.2 The affected party tells the other promptly and takes reasonable steps to limit the effect. Time limits move by the delay.

17.3 If the event lasts over 60 days, either party may end the affected Service by notice, and 16.4 applies. Force majeure does not excuse payment of money already owed.

18. Non-solicitation (Business Clients only)

18.1 For 12 months after the engagement ends, a Business Client will not directly solicit for employment any ETERAX employee or subcontractor who worked on its engagement, except through a general job advertisement.

18.2 This Section does not apply to Consumers.

19. Complaints

19.1 Write to [email protected] with "Complaint" in the subject. We acknowledge within 5 business days and aim to decide within 30 days.

19.2 Consumers keep every right to go to a court in their own country (Section 20). We have not committed to take part in a consumer ADR scheme.

20. Consumers

This Section applies only if the Client is a Consumer. If anything else in these Terms gives a Consumer less than the mandatory law of their country of habitual residence guarantees, that law prevails and the clause is read down to what it allows.

20.1 Mandatory rights. Nothing in these Terms removes a right a Consumer has under the mandatory consumer law of their country of habitual residence. For a Consumer in the EU, that includes the Consumer Rights Directive as implemented nationally and unfair-terms law.

20.2 Right to withdraw from distance contracts. If you are a Consumer in the EU or another place that gives this right, and we concluded the contract at a distance (online, email, phone or video), you may withdraw within 14 days of the day the contract is concluded, without giving a reason. Tell us clearly by email to [email protected]. A model withdrawal form is available on request and you do not have to use it.

20.3 Early start of services. We start a service within the 14 days only if you ask us to in a separate, explicit statement that we record at acceptance, for example by ticking: "I ask ETERAX to start the service now. I understand that if the service is fully performed within 14 days I lose my right to withdraw, and that if I withdraw after it has started I must pay for what has been provided up to that point." If you withdraw after asking us to start, you pay a proportionate amount for what we have provided up to the time you told us, calculated on the contract price.

20.4 If a service has been fully performed after your explicit request and acknowledgement under 20.3, the right to withdraw ends.

20.5 Dated services. Withdrawal does not apply to leisure services booked for a specific date or period (for example a scheduled session or programme day), where the law of your country provides that exception. We say so in the booking information before you pay.

20.6 Faulty services. If a service is not provided with reasonable skill and care, or does not match the Proposal, you have the remedies your national law gives (for example repeating the service, price reduction, ending the contract). Contact us under Section 19.

20.7 Liability. We do not exclude liability for death, personal injury, fraud, gross negligence, wilful misconduct or any other liability that cannot be excluded for a Consumer. For other claims, our liability to a Consumer is limited to the fees paid for the affected Service, only where the law of the Consumer's country permits such a limit.

20.8 Price. The price in the Proposal is the total price we charge. Estimated Third-Party Costs are charged by third parties, not by us.

20.9 Individuals. We serve individuals. Relocation, residency and personal tax-residency consultancy for a person acting for private reasons makes that person a Consumer, even if they own a business. If the main purpose is the person's business, they are a Business Client. We record the classification in the Proposal, based on what you tell us.

20.10 A Consumer is not bound by Sections 15.2, 15.3, 18, 21.2 or 21.3.

21. Governing law and disputes

21.1 Governing law. These Terms and any dispute arising out of or in connection with them, including non-contractual disputes, are governed by the laws of the Emirate of Dubai and the federal laws of the United Arab Emirates applicable in it, subject to Section 20.

21.2 Business Clients: arbitration. Any dispute is finally resolved by arbitration under the Rules of the Dubai International Arbitration Centre (DIAC) in force when the request for arbitration is filed. The seat is Dubai. The language is English. The tribunal has one arbitrator, or three if the amount in dispute exceeds AED 1,000,000. The award is final and binding.

21.3 Either party may seek urgent interim relief from a competent court, and this is not a waiver of arbitration.

21.4 Consumers. If you are a Consumer, the law of your country of habitual residence gives you protections that cannot be removed by choosing another law, and you may bring a claim in the courts of that country. We bring a claim against a Consumer only in the courts of the Consumer's country of habitual residence. A Consumer is never bound to arbitrate or to sue in Dubai.

22. General

22.1 Notices. Notices to us go to [email protected] and to the unit address in 1.1. Notices to you go to the email and postal address in the Proposal. An email notice is received on the next business day after sending unless the sender gets a failure message.

22.2 Entire agreement. The Proposal, these Terms and any signed DPA are the whole agreement for the engagement and replace earlier discussions. This does not exclude liability for fraudulent statements and does not affect a Consumer's rights from pre-contractual information we gave them.

22.3 Changes to these Terms. We may update these Terms for future Proposals. Changes do not affect an accepted Proposal, except where a change is needed to meet a legal obligation, in which case we tell you in advance.

22.4 Assignment. You may not transfer the contract without our written consent. We may transfer it to a successor of our business and will tell you. A Consumer's rights are not reduced by a transfer.

22.5 Relationship. We are independent contractors to you. There is no partnership, agency, employment or fiduciary relationship.

22.6 Severability and waiver. An invalid clause is replaced by the closest valid clause and the rest stays in force. Not enforcing a right is not a waiver.

22.7 No third-party rights. Only the parties may enforce the contract, except that our subcontractors and employees may rely on Section 15.

22.8 Electronic signature and records. Electronic signatures and records are valid and may be used as evidence.

22.9 Language. These Terms are in English only.

22.10 Anti-bribery. Neither party offers or accepts bribes or improper payments in connection with the engagement.

22.11 Records. We keep engagement records for as long as the law requires, including anti-money-laundering periods, even if you ask us to delete data, where the law requires us to keep them.

Schedule 1: Business Consulting

S1.1 What it is. Management consultancy. The Proposal lists the elements, which may include: assessing your situation and options for an international structure; planning a structure and the sequence of steps; preparing information packs and checklists; introducing you to Partners for company formation, corporate banking, residency, legal and tax work; coordinating timing and documents between you and the Partners you engage; and general information on exit-tax and relocation topics.

S1.2 What we do not do. Registrations, company formation filings, bank applications and accounts, residency and visa applications, legal work and tax filings are performed by licensed third parties and authorities that you engage directly (Section 9). We do not file for you, represent you before an authority, or give legal or tax advice. Where legal or tax advice is part of the plan, an independent licensed Partner gives it under their own terms. You should get independent advice in your home country on exit tax, tax residency, controlled foreign company rules, permanent establishment, place of effective management, and any reporting duty.

S1.3 Substance. A structure may require real economic substance (people, premises, decisions and activity in the jurisdiction). We tell you what we know about substance requirements. You are responsible for keeping them after delivery. We do not promise that any authority will respect a structure.

S1.4 After delivery. Unless the Proposal says so, we do not provide ongoing administration, accounting, registered-agent, nominee, director or secretarial services (7.6). Renewals, filings, audits, economic substance notifications and other later duties are yours or those of the provider you engage. Post-delivery support is limited to the period and scope in the Proposal.

S1.5 Banks. Bank introductions are introductions only. Banks decide independently. We do not guarantee that an account is opened or kept, or its timing.

S1.6 Residency and visas. Eligibility depends on the issuing authority. Fees, property thresholds and requirements change. We do not guarantee approval. You must keep to the conditions of any visa or residency you receive.

S1.7 Property and virtual assets. We do not act as a real estate broker, developer or virtual-asset service provider. Any introduction is to a licensed provider that you engage directly.

Schedule 2: AI & Cybersecurity

S2.1 What it is. Consultancy. The Proposal lists the elements, which may include: assessment of a business process for AI or business automation; assessment of your security baseline (accounts, two-factor login, password management, device policy, backups, access reviews); scoping and specification; selecting vendors and processors; project management; data protection mapping and records under the UAE Federal Decree-Law No. 45 of 2021 and, where it applies, the EU GDPR; and scoping IT set-up for a new or growing company (domain, email, productivity suite, migration).

S2.2 Implementation. ETERAX advises and manages the project. Implementation is done by specialist providers. We do not ourselves provide licensed IT or security services. Where a Proposal includes implementation work (building an automation, configuring systems, setting up devices), it is carried out by subcontracted processors that we select, brief and manage (Section 10). We remain your contact and are responsible to you under Section 10.3. The Proposal shows implementation as a separate scope line.

S2.3 Access. You authorise us and our subcontractors to access the systems, accounts and data named in the Proposal, to the extent needed. You confirm you may give that authorisation, including from your own providers and from any person whose data is in those systems. You give least-privilege access where possible and revoke it after the work. We do not access systems outside the scope.

S2.4 Not offered. We do not offer penetration testing, vulnerability scanning of third-party systems, incident response, 24/7 monitoring, forensic work, or certification or audit services (for example ISO/IEC 27001, SOC 2, PCI DSS). Where a client wants certification, an accredited body issues it.

S2.5 No guarantee of security or compliance. Security work reduces risk. It does not remove it. We do not guarantee that your systems are free of vulnerabilities, that no incident occurs, or that you comply, or will be found to comply, with the UAE PDPL, the GDPR, NIS2, DORA, a bank's questionnaire, a client's audit or a certification standard. You remain responsible for your own compliance, for keeping controls in operation, for training your people, for updating software, and for your risk decisions.

S2.6 Records and templates. Data protection records we prepare (a record of processing, a data-flow map, a gap list, a policy pack) rely on information you give. They are working documents and not a legal opinion. You or your lawyer must review them before you rely on or file them.

S2.7 Your data and AI tools. We tell you which tools see your data and whether they train on it, before anything goes live. Some tools and providers may train on data. You may choose not to use AI for sensitive data, and we design the project accordingly. You accept the providers' terms where the Proposal says so. We are not responsible for a provider's outage, change in terms or model behaviour, but we choose providers with reasonable care and pass on any available remedy.

S2.8 AI outputs. AI outputs can be wrong, incomplete or biased. Automations are designed so that a person on your side approves outputs before they are relied on for decisions about individuals or legal, financial, health or employment matters, and you keep that approval step in place. We do not design automations that make decisions with legal or similarly significant effect on individuals solely by automated means. If you ask for one, we tell you what the law requires (for example GDPR Article 22 and EU AI Act duties) and you decide with your own adviser. You tell people they are dealing with AI where the law requires it.

S2.9 Ownership of outputs. Between us, you own outputs generated from your data for your business, subject to Section 13 and to provider terms. We do not warrant that an output is original or free of third-party rights.

S2.10 After handover. Third-party tools change, change price or stop. Keeping automations working after handover is outside the Proposal unless a support period is stated.

Schedule 3: Wellness & Wellbeing

S3.1 What it is. Lifestyle coaching. The Proposal or booking lists the elements, which may include: one-to-one coaching sessions, group sessions, corporate sessions for teams, and coaching programmes, in Dubai or online. Sessions use sound, breathing and relaxation exercises together with coaching on routines and goals, to help you move to a healthier lifestyle and reach personal or professional goals.

S3.2 Not therapy. This is coaching. It is not medical, psychological or psychiatric treatment, therapy, diagnosis or a substitute for any of them, and we make no claim that a session treats, cures, heals or prevents any condition. If you have a medical or mental health condition, speak to your doctor or therapist first. We do not ask you to stop or change any treatment.

S3.3 Your self-check. We do not ask for, record or store health information. Before you take part, you confirm that you are fit to take part. You check with your doctor first if you are pregnant, use a pacemaker or another implant, or have a condition that sound or vibration can affect. You may stop at any time. If you tell us about a condition, we do not record it, and we may suggest that you do not take part or that you ask your doctor first.

S3.4 Eligibility. Sessions are for adults aged 18 and over unless we agree otherwise in writing with a parent or guardian.

S3.5 Your participation. You take part by your own choice and may stop at any time. You follow safety instructions and do not take part under the influence of alcohol or drugs. We may remove a participant who endangers others.

S3.6 Individual sessions. You may cancel or reschedule free of charge up to 24 hours before the session. Inside that window, or if you do not attend, the fee is due, except for documented illness or emergency, for which we offer one rescheduling. If we cancel, we offer a new date or a full refund. A Consumer's right of withdrawal under Section 20 remains where it applies.

S3.7 Group and corporate sessions. The corporate client pays under the Proposal. Cancellation by the corporate client is free up to 7 days before the session, 50% of the fee between 7 days and 48 hours before, and the full fee after that, unless we agree otherwise. We do not receive or store participants' health information. We do not report to the corporate client on any participant's health or participation beyond attendance, unless the participant agrees. The corporate client does not require employees to disclose health information to it. Sessions are voluntary for employees and are not a substitute for occupational health measures the law requires.

S3.8 Programmes and retreats. A retreat is a coaching programme. The Proposal states dates, place, content, number of participants, price and cancellation terms. We do not sell or arrange accommodation, transport or meals. You book accommodation and any travel directly with the providers you choose, and they are your contracts. We may suggest venues without any commission. If we cancel a programme or change a main element materially before it starts, you may choose a refund of what you paid us or another date. We recommend travel and health insurance and that you check entry rules. We give no travel, visa or health advice.

S3.9 Photography and recording. We do not photograph, film or record sessions without your separate consent. Participants do not record others or the coach without consent.

S3.10 Liability. Sections 15.1 and 20.7 apply. Nothing limits liability for injury caused by our negligence where the law forbids a limit.