PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING AND USING AMAL (MAY ALSO BE REFERRED AS “SOFTWARE”) SERVICE WHICH PROVIDES USERS (HEREINAFTER “END-USER”, “USER”, “YOU”, “YOUR”, “THEY”, “THEIR”) A SIMPLE INTERFACE FOR INVESTING IN SECURITIES. AMAL IS NOT A PAYMENT SERVICE PROVIDER (HEREINAFTER “AMAL”, “WE”, “OUR”, “US”) AND IS NOT AFFILIATED WITH YOUR BANK OR ANY OTHER BANK. THE TERMS AND CONDITIONS SET FORTH IN THIS END USER LICENSE AGREEMENT GOVERN YOUR USE OF THE SERVICES OFFERED BY AMAL.

Please note that the Amal Privacy Policy and Amal Terms and Conditions are incorporated by reference and are binding parts of the Terms of Use (collectively “Terms”). The Terms constitute the entire agreement and understanding regarding the access to and use of the Service and supersede all prior communications, proposals, representations, agreements and understandings, whether written or oral, relating to its subject matter. The Services are available for your use only on the condition that you agree to the Terms, all with the intention to form a legally binding agreement. By clicking “Accept”, accessing or using the Services, you have indicated that you are at least 18 years of age or older, and understand and accept these Terms. If you are an employee, consultant or contractor using the Services on behalf of or as part of your work (“Authorized User“) for a company or other entity (“Company“), you represent that you have the authority to bind that Company to these Terms and that you are authorized by your Company to use the Services. If you do not accept these Terms, please discontinue to use the Service and do not proceed with any transaction. By using the Service, you agree to the Terms as set forth in this Agreement at the time of the Data Transfer. The Terms may be revised from time to time without prior notice and the User is therefore advised to review the Terms in each case before proceeding with a Transfer. In the event of change of the Terms, the revised version shall be published on the Amal Website. Legally binding regulatory or legal decisions and/or changes made by competent authorities may affect Amal’s business and its provision of Services. The User hereby accepts that Amal has no control over such decisions and/or changes and therefore assumes no liability for any sort of losses, damages or harm that may arise as a result.

This Agreement is governed by and construed in accordance with the laws, regulations, and rules applicable in the ADGM. Any dispute between you and us in connection with your Account and/or this Agreement may be brought exclusively in the courts of the ADGM.