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PLEASE READ THESE WEBSITE USER TERMS AND CONDITIONS CAREFULLY BEFORE PLACING ANY INSTRUCTIONS FOR AN ITEM THROUGH duniaQwikBuy. YOU SHOULD UNDERSTAND, AGREE AND ACCEPT THAT YOUR USE OF THE WEBSITE (AS DEFINED BELOW) OR THE INFORMATION CONTAINED WITHIN THE WEBSITE OR THE PLACING OF ORDERS THROUGH THE WEBSITE SHALL BE DEEMED YOUR AGREEMENT TO THE TERMS SET OUT HEREUNDER.

 

 IF YOU DO NOT AGREE WITH THESE TERMS PLEASE DO NOT USE THE WEBSITE

 These Website User Terms and Conditions (“Terms”) apply to your access and use of www.duniaQwikBuy.ae (“Website” or “duniaQwikBuy”). These Terms are supplemented by dunia’s General Terms and Conditions available for viewing at http://www.dunia.ae/termsandconditions (“General Terms”) and any other terms and conditions which you may agree to abide by with dunia, which terms are hereby expressly incorporated into these Terms by reference. In case there is a conflict between these Terms and the General Terms, or any other applicable terms, the provisions of these Terms shall prevail with respect to the use of the  Website.

The Website is an online portal owned and operated by dunia Finance L.L.C. (“dunia”) for  dunia Customers on the terms and subject to the conditions set out below. 

 PART A: TERMS 

The access to or use of the Website by the User constitutes an acknowledgement and acceptance in full and without any modification, condition and/or exception by the User of these Terms. We reserve the right, at our sole discretion, to amend, modify or altogether replace these Terms, at any time without any prior notice. The Terms will be available on the Website. It is the User’s responsibility to review these Terms periodically for updates and/or changes. The continued use of the Website following the posting of changes by the User shall be deemed acceptance thereof. If the User does not agree with any part of such terms, conditions and notices as stated in these Terms in any manner, the User must not access or use the Website.

DEFINITIONS AND INTERPRETATION 

In these Terms:

 1.1      “Applicable Law” including but not limited to the UAE Federal Law No. 24 of 2006 on Consumer Protection, UAE Federal Law No. 4 of 2002 on Criminalization of Money Laundering; and UAE Federal decree Law No. 5 of 2012 on Combating Cyber Crimes.

 1.2      “dunia” means dunia Financial L.L.C., a limited liability company established in the Emirate of Abu Dhabi, United Arab Emirates with its principal place of business at Hassan Ebrahim Al Fardan Building, Hamdan Street, P.O. Box 44005, Abu Dhabi, United Arab Emirates. Where the context requires, references to dunia shall include references to dunia’s employees, officers, agents, directors, shareholders, affiliates and subsidiaries.

 1.3      “dunia Customer” shall mean an individual who has a dunia loan and/or a dunia credit card.

 1.4      “Eligible Merchant(s)” shall mean selected dunia partners permitted to make available their items to dunia Customers through duniaQwikBuy.

 1.5      “Force Majeure Event” means any event due to any cause beyond the reasonable control of dunia, including, without limitation unavailability of any communication system, breach or virus in the systems, fire, floods, strikes, lock-outs, prolonged failure or shortage of electric energy, embargoes, legal restrictions, explosion, acts of God, civil commotion, riots, rebellions, insurrection, war or acts of government.

 1.6      “Licensor” means such person(s) from which dunia licenses intellectual property for the Website.

 1.7      “Payment” shall have the meaning given to it in Clause 10.

 1.8      “UAE” means the United Arab Emirates.

 1.9      “User Profile” means the account created for a User for use of the Website after completion of registration/enrolment by dunia as the case maybe and which contains, amongst other things the User’s personal and contact details.

 1.10  “us”, “we”, “our” means dunia.

 1.11 “you” or the “User” means a dunia Customer permitted to use the Website pursuant to these Terms.

 1.12   The headings and subheadings herein are included for convenience and identification only and are not intended to describe, interpret, define or limit the scope, extent or intent of these Terms.

 1.13   References to clauses are, unless specified otherwise, references to the clauses of these Terms.

 1.14   References to the masculine gender include the feminine and vice versa. Similarly, references to the singular include the plural and vice versa.

 1.15   References to a statute or statutory provision include that statute or provision as from time to time modified or re-enacted or consolidated.

 DESCRIPTION OF SERVICES AND ACCEPTANCE OF TERMS AND MODIFICATION THEREOF

 2.1               duniaQwikBuy is a web-based portal allowing Eligible Merchants to make available their products and services (“item” or “items”) to you. In making duniaQwikBuy available to you, dunia is giving you the opportunity to benefit from discounts, promotions and deals offered by  Eligible Merchants. Subject to completion of the requisite due diligence processes dunia may also offer its Users financing and payment solutions, allowing such Users  to make purchases through duniaQwikBuy. Items that are sold to Users are sold by an Eligible Merchant and the contractual relationship governing the sale of such item(s) is between the User buying the item and the Eligible Merchant selling the item to the dunia Customer. dunia will not be a party to the sale and purchase transaction and assumes no liability for (i) the suitability or fitness of the items for a particular purpose (or purposes) or (ii) the delivery of the items sold by the Eligible Merchant to the  dunia Customer. The sale of an item shall be governed by the terms and conditions of sale of the Eligible Merchant selling such item.

 2.2               The User expressly agrees that he/she will be deemed to have consented to the disclosure to and use by a subsequent owner or operator of the Website of any information about the User contained in the dunia database, to the extent that dunia assigns its rights and obligations regarding such information in connection with a merger, acquisition, or sale of all or substantially all of dunia’s assets, or in connection with a merger, acquisition or sale of all or substantially all of the assets related to this particular Website to a subsequent owner or operator. In the event of such a merger, acquisition, or sale, the User’s continued use of the Website signifies the User’s agreement to be bound by the Terms or otherwise of the Website’s subsequent owner or operator.

USER ELIGIBILITY

 3.1               In order to visit/use duniaQwikBuy a User must be:

 3.1.1          a dunia Customer and hence registered with dunia;

 3.1.2          atleast twenty-one (21) years of age; and

 3.1.3          have the legal capacity to contract, i.e the User must not be a person barred from accessing and using the Website and availing services through the Wesbite under the laws of the UAE or other Applicable Law.

 3.2         In order to purchase items through duniaQwikBuy, a User must either have (i) a dunia credit card; or (ii) a dunia personal loan.

 3.3         The User agrees and accepts that dunia at its sole discretion reserves the right to approve or reject access to duniaQwikBuy. dunia also reserves the right to limit, suspend or cancel the access of a User to the Website or apply such additional terms and conditions which it deems desirable for a User to access the Website, without any prior notice.

 REGISTRATION 

4.1         In order to make purchases through the Website, you must be a dunia Customer.  All dunia Customers shall be pre-registered on duniaQwikBuy with a subscription package which offers benefits including but not limited to exclusive discounts and extended warranties.  Details of the various subscriptions packages are available on the Website.

4.2         A registration fee may apply, as may be decided by us at our sole discretion from time to time.

4.3         If you are not a dunia Customer, you will be required to register on the Website and by your use of duniaQwikBuy or the information contained within duniaQwikBuy you shall be deemed to have agreed to the Terms.

 4.4         As part of the registration process, you are required to provide information about yourself that is true, accurate, current, and complete in all respects.

 4.5         You will also be required to undergo dunia’s “Know Your Client” and other due diligence processes. This may require you to provide copies of identification, proof of address, as well as financial wherewithal.

 4.6         Upon pre-registration/enrolment with duniaQwikBuy you will be provided a username and an initial password (the “Login Details”) which shall enable you to access the Website. You must change your initial password the first time you access the Website. You can only make purchases on the Website after you become a dunia Customer.

 4.7         All information provided by you during the registration process and anytime thereafter will be dealt with in accordance with our Privacy Policy.

 USER WARRANTIES, REPRESENTATIONS AND COVENANTS

5.1          You warrant and represent that in using the Website:

 5.1.1      you are acting solely on your own account and for your own benefit and not for or on behalf of any other person.

  5.1.2       you have the requisite capacity, right, power and authority to agree to these Terms; and if applicable, necessary corporate shareholder and/or other actions have been taken by you to authorize such execution, delivery and performance under these Terms;

 5.1.3      you are authorized to use the credit card that you are using to make such a purchase on the Website.

 5.1.4      your acceptance of these Terms shall not cause you to be in breach of any provisions of Applicable Law and

 5.1.5      all information provided by you to us is true, accurate and not misleading in any way.

 5.2         The User agrees that each of the representations and warranties contained in this Clause 5 shall be deemed to have been given by the User at the time of agreeing to these Terms and again each time that the User accesses the Website or places an order for an item using the Website.

  5.3         The User hereby acknowledges and agrees that all rights, title and interest, including but not limited to rights in intellectual property, in and to the Website, vest in and shall remain with dunia (or as the case may be, a Licensor). All rights not expressly granted are reserved by dunia. Use of the Website for any purpose other than that expressly permitted in these Terms is prohibited.

  5.4         It is the User’s responsibility to read and understand all materials, disclosures and confirmation statements in connection with the purchase of items through duniaQwikBuy.

  5.5         The User agrees and undertakes to ensure that all passwords, entry codes, the Login Details and details which allow access to the Website are kept confidential and shall not be disclosed or shared. The User agrees and undertakes that no other person (save for the User) shall gain entry to the Website or place orders through the Website. The User accepts responsibility for all consequences of any such unauthorized access, including but not limited to all financial consequences.

  5.6         The User agrees and undertakes to ensure that he does not disable, block, delete, alter or otherwise circumvent any security protocols or procedures (for example, password control or identity verification) put in place by dunia.

  5.7         The User agrees and undertakes to keep his/her User Profile up-to-date and acknowledges that dunia is entitled to rely and act upon any information contained in the User Profile (including, but not limited to, settlement and payment instructions, authorized User information and contact information). The User agrees to indemnify dunia and hold dunia harmless from any loss, damage and/or liability arising out the User’s inability, failure or omission to keep the User Profile (or any part thereof) up-to-date.

  5.8         The User acknowledges agrees and accepts that all orders which are placed through the Website and accepted or executed by the Eligible Merchant shall be binding on the User.

  5.9         Further the User undertakes that the execution, delivery and performance of his/her obligations under this Agreement do not and will not contravene any laws, regulations or orders of any authority or other official body or agency or any judgement or decree of any court having jurisdiction over him/her or conflict with or result in any breach or default under any document binding upon him/her.

 USE OF duniaQwikBuy

 6.1          The User’s use of duniaQwikBuy is also subject to any other agreements the User may have with dunia.

 6.2          The Website shall not be used for any purpose other than that specified in these Terms.

 6.3         The User’s rights are conditioned upon agreement that the User will not host, display, upload, modify, publish, transmit, update or share any information that:

 6.3.1               belongs to another person and to which the User does not have any right to;

 6.3.2              deceives or misleads the addressee about the origin of such messages or communicates any information which is offensive, threatening or menacing in nature;

 6.3.3              threatens the unity, integrity, defense, security and/or sovereignty of the UAE, friendly relations with foreign states, public order, morality, the Islamic Sharia, causes incitement to the commission of any cognizable offence or prevents investigation of any offence or  insults any other nation;

 6.3.4              is grossly harmful, unlawful, pornographic, obscene, defamatory, libelous, threatening, blasphemous, discriminatory, harassing, bullying, vulgar, indecent, profane, invasive of another's privacy, hateful, racially, culturally or ethnically offensive or objectionable, or disparaging in any way;

 6.3.5              relates to or encourages money laundering or gambling;

 6.3.6              encourages criminal conduct; or that gives rise to, or potentially gives rise to civil or criminal liability;  

 6.3.7              violates Applicable Law;

 6.3.8              violates rules, regulations, circulars, or decisions promulgated by the Central Bank of the UAE;

 6.3.9              in dunia’s opinion is spam, a “mail-bomb”, a “mail-flood”, a chain letter, or any other unsolicited or unauthorized advertising or promotional material;

 6.3.10           in dunia’s opinion, is intended to harass, bully, stalk, harm, or otherwise cause mental or physical distress or injury to anyone, or to defame or disparage someone, or for any other unlawful or objectionable purpose;

 6.3.11           provides false information about the User, or a third party, and the User will not impersonate or appear to impersonate anyone else or otherwise misrepresent the User’s affiliation with any person or entity;

6.3.12           uses any one or more of the Licenses (and any associated functionality) to collect, obtain, compile, gather, transmit, reproduce, delete, revise, view, display, forward, any material or information, whether personally identifiable or not, posted by or concerning any other user of the Website, unless the User would have obtained prior permission from such user to do so;

 6.3.13           interferes with or disrupts, or attempts to interfere with or disrupt, the operation of the Website (or any parts thereof);

 6.3.14           removes, alters, interferes with or circumvents a copyright, trademark or other proprietary notices displayed on the Website;

 6.3.15           removes, alters, interferes with or circumvents any digital rights management mechanism, device or other content protection or access control measures (including, without limitation geo-filtering and/or encryption) associated with the Website;

 6.3.16           uses the Website in a manner that suggests an association with any of dunia’s products, services or brands;

 6.3.17           uses bots, spiders, offline readers or other automated systems to access or use the Website in a manner that sends more request messages to the Website’s servers in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;

 6.3.18           knowingly transmits any material that contains adware, malware, spyware, software viruses, timebombs, cancelbots, worms, trojan horses, or any other computer codes, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

 6.3.19           does anything that is likely to adversely affect or reflect negatively upon or harm dunia’s goodwill or reputation or that of the Website, or any of the content running or being promoted on the Website (including, without limitation, any movie, television program or other initiative);

 6.3.20           does anything on the Website that would prevent other Users access to or use of the Website or any part thereof;

 6.3.21           imposes an unreasonable or disproportionately large load on the Website’s infrastructure;

 6.3.22           uses any device to navigate or search any website other than the tools available on the Website, generally available third party web browsers, or other tools approved by dunia;

 6.3.23           uses any data mining, robots or similar data gathering or extraction methods; forges a TCP/IP packet header or any part of the header information in any e-mail or newsgroup posting;

 6.3.24           accesses data not intended for the User or logs into a server or account which the User is not authorized to access;

 6.3.25           posts or submits to the Website any incomplete, false or inaccurate biographical information or information which does not belong to the User; and

 6.3.26           posts content that contains restricted or password-only access pages, or hidden pages or images.

 6.4                    Any non-compliance with the Terms of this Agreement and the Privacy Policy may result in immediate termination of the right to access or use the Website. You will solely be responsible for your activities on the Website and agree to indemnify dunia and its affiliates for any claims resulting there from.

 6.5                    dunia reserves the right to monitor your activities on the Website.  

 6.6                    The User shall be responsible for all costs associated with obtaining and maintaining access to the Website including but not limited to manintaing necessary equipment to access the Website and costs which may involve third party fees (for example, airtime or data charges or internet service provider’s charges).

 6.7                    The User also understands that the services may include certain communications from dunia as service announcements and administrative messages. The User understands and agrees that the services are provided on an “AS IS WHERE IS” basis and that dunia does not assume any responsibility for deletions, mis-delivery or failure to store any User communications or personalized settings.

 YOUR ACCOUNT OBLIGATIONS

 7.1        If you use the Website, you will be responsible for maintaining the confidentiality of your display name and password and you will also be responsible for all activities that occur under your display name and password. dunia will not be responsible for any loss or damage that may arise as a result of any failure by you to protect your password or account. You agree that if you provide any information that is untrue, inaccurate, not current or incomplete or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the these Terms, we will have the right to indefinitely suspend or terminate or block your access of the Website.

 7.2      Should any of your registration information change or you suspect any unauthorized use of your account, you must notify us immediately at QwikBuy@dunia.ae. or such other email as may be made available from time to time. 

 7.3      You warrant and undertake that you shall use the Website solely for your personal, non-commercial use. 

 ACCEPTANCE OF ADDITIONAL TERMS

The User’s use of certain services, features, functionalities or programs (including, without limitation, offers, contests, promotions, or wireless marketing opportunities) offered on or through the Website (“Promotions”) may be subject to additional terms and conditions (“Rules“). By participating in such Promotions, the User is deemed to have agreed to any and all such Rules.

 PRODUCT INFORMATION

  While we will strive to ensure that Eligible Merchants provide accurate product and pricing information, we do not guarantee that such product and pricing information will be accurate and kept up-to-date. In the event that a product is listed with incorrect information (including stock availability), the Eligible Merchant may, cancel the order and notify you of such cancellation. In the event that an item is wrongly priced, the Eligible Merchant may either contact you for instructions or cancel your order and notify you of such cancellation. In case of cancellation, if Payment has been transmitted to the Eligible Merchant, refunds shall be processed by the Eligible Merchant in accordance with the Eligible Merchant’s refund policy.

 PURCHASE AND PAYMENT

 10.1  dunia operates the Website as an online community portal allowing Users to purchase goods from Eligible Merchants which dunia has relationships with. dunia does not sell any item listed (unless expressly mentioned as a product or service offered by dunia) on the Website directly and is never a party to any transaction between the Eligible Merchants and  dunia Customers (unless the product or service is one that is offered by dunia).

 10.2  When you relay your instructions to purchase an item from an Eligible Merchant through the Website, we will send you an e-mail confirming receipt of your instructions/order (“Order Confirmation”). This e-mail will confirm the details of your instructions, along with the total price to be paid (the “Payment”). dunia will debit either your dunia credit card or your dunia personal loan account for (i) the purchase price and (ii) applicable fees and charges (if any).

 10.3  dunia may list some merchants as ‘preferred merchants’ on the Website if they satisfy the due diligence criteria, as dunia may at its sole discretion prescribe from time to time.  dunia does not (a) guarantee or make any representation for any item listed, its attributes (such as quality, worth, marketability etc.) or its description on the Website (b) warrant anything with respect to transfer of title on the goods on behalf of the merchants, or (c) warehouse, store, ship or deliver any item listed on the Website.

 10.4  You undertake and agree that before placing an order through the Website, you will check the item description carefully and agree to be bound by the terms and conditions of sale associated with such item and made available to you by the Eligible Merchant either on the Eligible Merchant’s website or otherwise.  An order once confirmed cannot be cancelled unless cancellation is at the behest of the Eligible Merchant for the reasons provided under clause 9 above.

 10.5  dunia is not responsible for the acts or omissions of an Eligible Merchant. dunia does not assume liability nor in any way endorses the content provided by the Eligible Merchant pertaining to the item placed on the Website.

 10.6  dunia has no control over and does not guarantee the quality, or safety of items advertised, the truth or accuracy of an Eligible Merchant’s content or listings, the ability of an Eligible Merchant to sell items,  or that the Eligible Merchant will actually complete a transaction or exchange an item or pay a refund for an item that the User is not satisfied with.

 10.7  All purchases made on the Website must be for lawful purposes.

 10.8  Prices of all items are in UAE Dirhams.  A User must pay for items purchased through the Website by either (i) a dunia credit card or (ii) a dunia personal loan.

 10.9  By placing an order with the Website, you authorize us to debit your dunia credit card or dunia personal loan account for the purchase value of such item(s). Payment for items purchased through the Website may be subject to additional terms and conditions imposed by dunia or to terms and conditions imposed by the Eligible Merchant from whom you purchase an item.

 10.10    In the event that you are not satisfied with your purchase, you must contact the Eligible Merchant from whom you have purchased the item. dunia does not assume (and expressly disclaims) liability or responsibility for ensuring that an item purchased through the Website is (i) delivered to you; (ii) delivered to you in a satisfactory condition; or (iii) is fit for purpose. For the avoidance of doubt, under no circumstances shall you have any recourse against dunia in relation to your purchase of an item from or through the Website.

DELIVERY

 11.1  Items purchased through duniaQwikBuy shall be dispatched to you directly by the Eligible Merchant from whom you have purchased such item(s) or made available for collection by you from a location specified by the Eligible Merchant.

 11.2  dunia does not assume and expressly disclaims responsibility for delivery of item(s) purchased through the Website. dunia does not control and is not involved in the delivery of items purchased through the Website. dunia does not assume and expressly disclaims liability for a delay or failure on the part of an Eligible Merchant to deliver items (or any of them) purchased through duniaQwikBuy.

 11.3  You further warrant that you are authorized to use the credit card that you are using to make such a purchase on the Website.

 REFUND

 12.1      If you are not satisfied with an item purchased through the Website, you may contact the Eligible Merchant from whom you purchased such item for a refund or replacement.  All exchanges, refunds and returns are governed by and subject to the terms and conditions of the Eligible Merchant from whom such item(s) is purchased. dunia is not responsible for handling or processing requests for refunds, exchanges or replacements or for settling any disputes.

 LIMITED USER

 13.1       The Website is intended for use by individuals resident in the UAE. No one else may use the Website or purchase an item through the Website.

 13.2       The User agrees that given the nature of the internet, even though the Website is targeted to UAE residents only, it may be accessed in other parts of the world. If the User is not a UAE resident, he acknowledges, understands and agrees that he is doing so on his own initiative and at his own risk and that it is his responsibility (and not dunia’s responsibility) to make sure that his use of the Website complies with Applicable Law.

 13.3       The User further agrees and undertakes not to reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, services or intellectual property obtained from the Website in any manner whatsoever. Limited reproduction and copying of the content of the Website is permitted provided that the prior written consent of dunia has been obtained. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of the Website is strictly not permitted.

 13.4       If the User is not a UAE resident, by using this Website and/or submitting his personal information or any other information on the Website, he expressly consents to the transfer of such data to the UAE, and to the processing of such data on dunia’s UAE servers, where his data will be governed by UAE law which may not offer the same level or type of protection to personal data as that available in his country of residence. The User agrees and accepts this risk.

 LINKS TO THIRD PARTY SITES

 14.1       The Website may contain communication links to other websites (“Linked Sites”). The Linked Sites are not under the control of dunia or the Website and dunia is not responsible for the contents of any Linked Site, including without limitation any link or advertisement contained in a Linked Site, or any changes or updates to a Linked Site. dunia is not responsible for any form of transmission, whatsoever, received by the User from a Linked Site. dunia is providing these links to the User only as a convenience, and the inclusion of any link does not imply endorsement of any nature by dunia of a Linked Sites or any association with its operators or owners. Under no circumstances will dunia be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to the User in connection with the User’s use of, or reliance on, any content, goods or services available on any other site.

 14.2       dunia is not responsible for any errors, inclusions, omissions or representations on any Linked Site, or on any link contained in a Linked Site. dunia does not endorse any advertiser on any Linked Site or on any link contained in a Linked Site, in any manner. The User is requested to verify the accuracy of all information on his own before undertaking any reliance on such information.

USE OF COMMUNICATION SERVICES

 15.1          The Website may contain services such as email, chat, bulletin board services, news groups, forums, communities, profiles, personal web pages, calendars, and/or other message services (hereinafter collectively referred to as “Communication Services”). The User agrees and undertakes to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. The User is deemed to be “using” the Website anytime he/she accesses, views, links to or from or otherwise interacts or communicates with or connects to, the Website (or any parts thereof) or interacts or communicates with or connects to, the Website (including, without limitation, on message boards, chat rooms and/or other communities established on the Website, if any).

 15.2         dunia will review materials posted through Communication Services and shall remove any materials at its sole discretion. dunia reserves the right to terminate the User’s access to any or all of the Communication Services at any time without notice for any reason whatsoever.

 15.3         dunia does not control or endorse the content, messages or information found in any Communication Services and, therefore, dunia specifically disclaims any liability or responsibility whatsoever with regard to the Communication Services and any actions resulting from the User’s participation in any Communication Services.

 15.4         When the User registers with the Website, dunia or any of its partners/ affiliates/ group companies may contact the User from time to time to provide offers/ information of products/ services that they believe may benefit the User.

 BREACH

 16.1          Without prejudice to the other remedies available to dunia under these Terms or under Applicable Law, dunia may limit the User’s activity, warn other Users of the User’s actions, immediately temporarily, or indefinitely suspend or terminate the User’s registration, and/or refuse to provide the User with access to the Website if:

 16.1.1      the User is in breach of these Terms and/or the documents it incorporates by reference;or

 16.1.2      dunia is unable to verify or authenticate any information provided by the User; or

 16.1.3      dunia believes that the User’s actions may infringe any third party rights or breach Applicable Law or otherwise result in any liability for other Users of the Website and/or Dunia.

 16.1.4      dunia may at any time at its sole discretion reinstate suspended Users. Once the User has been indefinitely suspended the User may not register or attempt to register with dunia or use the Website in any manner whatsoever until such time that the User is reinstated by dunia. Notwithstanding the foregoing, if the User breaches these Terms or the documents it incorporates by reference, dunia reserves the right to recover any amounts due and owing by the User to dunia and to take such action as dunia deems necessary or desirable.

 COMPLAINTS

17.1           If the User has a complaint relating to technical issues on the Website, he may contact dunia through the “Contact Us” link on the Website.

 17.2           Notwithstanding Clause 17.1, the User acknowledges, agrees and accepts that dunia is not a party to any transaction which takes place between a User and an Eligible Merchant. The contractual relationship for items purchased through duniaQwikBuy is between the User and the Eligible Merchant selling the item. The User acknowledges, agrees and accepts that dunia is not liable for (i) the suitability or fitness of the items for a particular purpose (or purposes); or (ii) delivery of the items sold by the Eligible Merchant to the User.  

 17.3           All grievances relating to an item purchased through the Website must be addressed to and resolved by the Eligible Merchant in accordance with such Eligible Merchants terms of sale.

 17.4           dunia has no control over and does not guarantee (and expressly disclaims liability for) the quality, safety, legality of items advertised, or the ability of an Eligible Merchant to sell an item.

 INTELLECTUAL PROPERTY

 18.1           The  content of the Website and all copyrights, patents, trademarks, service marks, trade names and all other intellectual property rights therein are owned by dunia.

 18.2       "duniaQwikBuy" and related logos, and other words and logos on the Website are either unregistered trademarks or registered trademarks of dunia and are protected by international trademark and other intellectual property rights and laws. dunia’s trademarks may not be used in connection with any product or service that is not provided by dunia nor in any manner that disparages or discredits dunia. All other trademarks not owned by dunia that appear on the Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by dunia.

 18.3          The User acknowledges, understands and agrees that he shall not have, nor be entitled to claim, any rights in and to the Website content and/or any portion thereof.

 18.4           www.duniaqwikbuy.ae and other marks used on the Website are trademarks or registered trademarks of dunia. Website graphics, logos, page headers, button icons, scripts and service names are the trademarks of the Website. All other trademarks not owned by dunia that appear on the Website are the property of their respective owners.

 LICENSE AND PROPRIETARY RIGHTS

 19.1            Subject to these Terms, dunia hereby grants to the User, if and only to the extent the necessary functionality is provided to the User, on or through the Website, the following limited, revocable, non-exclusive, non-transferable, non-assignable, royalty-free rights and licenses (each a “License”) (i) to access, view and otherwise use the Website (including, without limitation any information or services provided on or through the Website) for the Users personal, lawful use only, as intended through the normal functionality of the Website; (ii) if the Website includes a “Send to Friend” tool that allows the User to initiate and send to one of his friends an email communication that includes Website content, and the tool is operational, the License to use the tool to request that the Website’s servers convey his message to his friend; (iii) the License to obtain a registered personal account (and related username and password) on the Website and interact with other Website users as part of the Communication services.

 19.2            Any designs, creations, layouts, specifications, algorithms, methods, apparatus, systems, ideas, codes (“IPR”) owned by dunia, shall continue to be the sole property of dunia and nothing in these Terms shall be construed to transfer rights in such IPR to the User.

 19.3           The User will not (and the User will not allow any third party to): (i) copy, modify, adapt, translate or otherwise create derivative works of the Website or the IPR; (ii) reverse engineer, decompile, disassemble or otherwise attempt to discover the IPR (including the source code or object code of the Website or any the services); (iii) rent, lease, sell, assign or otherwise transfer rights in or to the Website or the IPR; (iv) remove any proprietary notices or labels on the Website or the IPR; or (v) use, post, transmit or introduce any device, software or routine which interferes or attempts to interfere with the operation of the Website or the IPR.

 19.4           The content of the Website and all copyrights, patents, trademarks, service marks, trade names and all other IPRs therein are owned by dunia and/or its licensors and are protected by applicable UAE and international copyright and other intellectual property law. The User acknowledges, understands and agrees that he shall not have, nor be entitled to claim, any rights in and to the Website content and/or any portion thereof.

 19.5           dunia may provide the User with content including information, sound, photographs, graphics, video or other material through the Website. This material may be protected by copyrights, trademarks or other intellectual property rights and laws. The User may use this material only as expressly authorized by dunia and shall not copy, transmit or create derivative works of such material without express authorization from dunia.

 19.6           The User acknowledges and agrees that he shall not upload, post, reproduce or distribute any content on or through the Website that is protected by copyright or other proprietary right of a third party, without obtaining the permission of the owner of such right. Any copyrighted or other proprietary content distributed on or through the Website with the consent of the owner must contain the appropriate copyright or other proprietary rights notice. The unauthorized submission or distribution of copyrighted or other proprietary content is illegal and could subject the User to personal liability or criminal prosecution.

 19.7           The User agrees not to copy, reproduce, duplicate, stream, capture, access through technology or means other than those provided on the Website, perform, transfer, sell, resell, download, upload, archive, license to others, edit, modify, manipulate, create derivative works from or based upon (including, without limitation, mash-ups, montages, wallpapers, ringtones, greeting cards, or other merchandise), publish, republish, post, transmit, publicly display, frame, link from or to, distribute, share, embed, translate, decompile, reverse engineer, translate, incorporate into any hardware or software application, use for commercial purposes, or otherwise use or exploit the Website or any component part thereof. Any of the unauthorized uses referred to above would constitute an infringement of the copyrights and other proprietary rights of dunia and/or its licensors (including, without limitation, other Website users who have submitted their own information) and a violation of this Agreement and may subject the User to civil and/or criminal liability under Applicable Laws.

 19.8           Any and all designs, texts, graphics, images, videos, information, logos, button icons, software, audio files, trademarks, service marks and other content of dunia (whether registered or in the process of registration) and all rights accruing from the same, statutory or otherwise, wholly vest with dunia and are protected under copyright, trademark and other laws. Any violation of the above would constitute an offence under the laws of UAE and international treaties governing the same.

 19.9       The compilation or database (meaning the collection, arrangement and assembly), including, but not limited to, index of Profiles, content of such Profiles, and other such compilations, on the Website is the exclusive property of dunia and is protected by copyright, trademark, and other laws. The User acknowledges that sufficient time, effort and resource have been expended on making such compilation or database possible, which otherwise would not have been available to the User. The compilation or database available on the content available on or from the Website shall be solely used for personal and non-commercial use, and under no circumstances, will, for whatsoever purpose, be reproduced, stored, copied or archived in any manner, format or medium whatsoever either in full or in parts without the prior express written consent of dunia. Unauthorized use and access of such content may violate these terms, laws and / or applicable communications regulations and statutes, and is strictly prohibited. The User may not use any of the content on any other website or in a networked computer environment (including, without limitation, by uploading or republishing the content on any internet, intranet or extranet site or incorporating the content, in whole or in part, in any other database or compilation for any purpose). Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable at any time without notice and with or without cause.

 19.10        Nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise to the User.

 DISCLAIMER

 20.1           Given the unpredictability of technology and the online environment, dunia does not warrant that the function or operation of this Website will be uninterrupted or error free, that defects will be corrected, or that this Website or the server that makes it available will be free of viruses or other harmful elements. Though dunia shall endeavor to provide accurate, complete and current information at all times, the Website could contain typographical errors, technical inaccuracies or other incorrect information. dunia reserves the right to add to, change or delete the content of the Website without any notice.

 20.2           dunia shall not be responsible for delay or inability to use the Website. Further, dunia shall not be held responsible for non-availability of the Website during periodic maintenance operations or any unplanned suspension of access to the Website and/ or disruption to the services that may occur due to technical reasons or for any other reason whatsoever.

 20.3           The User acknowledges and agrees that any material and/or data downloaded or otherwise obtained from dunia through the Website is done entirely at his discretion and risk and that he will be solely responsible for any damage to his computer systems or any other loss that results from such material and/or data. These limitations, disclaimer of warranties and exclusions apply without regard to whether the damages arise from (a) breach of contract, (b) breach of warranty, (c) negligence, or (d) any other cause of action, to the extent such exclusion and limitations are not prohibited by Applicable Law.

 20.4           dunia disclaims any and all liability, current or future, for any error made or omission committed with respect to the transmission of data, information or material available on this Website.

 20.5           The User shall be solely responsible for purchases involving credit cards and dunia does not assume (and expressly disclaims) liability arising out of the User’s use of such credit cards.

 ELECTRONIC COMMUNICATION

 We will communicate with you by email, phone, SMS, by posting information on the Website or by other means of electronic communication. You agree that all agreements, notices, disclosures and other information so communicated to you will satisfy any legal requirement that such communication be in writing. The User acknowledges that the electronic communication involves the transmission or receipt of data over a network and carries the risk of theft, loss, disclosure, corruption or destruction of such data due to system failure, network failure, unauthorized access by third parties whether intentional or unintentional, virus or other malicious software, or other factors beyond the reasonable control of dunia (or its service providers).  The User understands and accepts such risks and uses the Website entirely at his own risk. You agree that all electronic communication you initiate shall comply with the provisions of Clauses 5 and 6.

 LIMITATION OF LIABILITY AND INJUNCTIVE RELIEF

 22.1           THE USER UNDERSTANDS AND AGREES THAT NEITHER dUNIA NOR ITS SHAREHOLDERS, AFFILIATES OR GROUP COMPANIES OR ANY OF THEIR RESPECTIVE OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, AGENTS, OR LICENSORS SHALL BE LIABLE TO THE USER OR ANYONE ELSE UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STATUTORY, OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF REVENUE, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM THE  USE OF THE WEBSITE OR ANY PARTS THEREOF.

 22.2           IN NO EVENT SHALL dUNIA BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE SERVICES THROUGH THE WEBSITE; (B) THE COST OF PROCUREMENT OF A SUBSTITUTE TO AVAIL OF THE SERVICES THOUGH THE WEBSITE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF THE USER’S TRANSMISSIONS OR DATA; (D) ANY OTHER MATTER RELATING TO THE SERVICES AVAILED OF THROUH THE WEBSITE; INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH AVAILING OF THE SERVICES THROUGH THE WEBSITE.

 22.3           NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, THE USER HEREBY IRREVOCABLY WAIVES ANY RIGHT OR REMEDY TO SEEK AND/OR OBTAIN INJUNCTIVE OR OTHER EQUITABLE RELIEF OR ANY ORDER WITH RESPECT TO, AND/OR TO ENJOIN OR RESTRAIN OR OTHERWISE IMPAIR IN ANY MANNER, THE PRODUCTION, DISTRIBUTION, EXHIBITION OR OTHER EXPLOITATION OF ANY OF dUNIA OR ANY OF ITS AFFILIATE OR GROUP COMPANY RELATED PROJECTS, OR THE USE, PUBLICATION OR DISSEMINATION OF ANY ADVERTISEMENT IN CONNECTION WITH SUCH PROJECT.

 22.4           DUNIA MAKES NO REPRESENTATION(S) OR WARRANTY (IES) AS TO THE SUITABILITY OR FITNESS OF THE WEBSITE FOR ANY PURPOSE. THE WEBSITE IS MADE AVAILABLE BY DUNIA ON AN “AS IS” BASIS AND ANY EXPRESS OR IMPLIED WARRANTY (IES) ARE DISCLAIMED. IN NO EVENT SHALL DUNIA BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR LOSSes HOWEVER CAUSED AND ARISING IN ANY WAY OUT OF USE OF THE WEBSITE. 

  22.5           DUNIA SHALL NOT BE RESPONSIBLE FOR AND EXPRESSLY DISCLAIMS ANY LOSS (INCLUDING LOSS OF PROFITS, LOST OPPORTUNITY, DAMAGE TO REPUTATION, AND THIRD PARTY CLAIMS OF ANY KIND), DAMAGES OR LIABILITY ARISING AS A RESULT OF:

  22.5.1      THE LOSS, THEFT, DISCLOSURE, CORRUPTION OR DESTRUCTION OF DATA TRANSMITTED ON OR THROUGH THE WEBSITE;

  22.5.2      A SOFTWARE DEFECT OR MALFUNCTION (HOWSOEVER CAUSED);

  22.5.3      A COMPUTER VIRUS, MALWARE, SPYWARE OR OTHER UNAUTHORIZED OR MALICIOUS THIRD PARTY PROGRAM;

  22.5.4      ANY UNAUTHORIZED ACCESS (SUCH AS HIJACKING OR HACKING OR OTHERWISE) OF THE WEBSITE, OR THE NETWORK(S) ON WHICH THE WEBSITE OPERATES; OR

  22.5.5      A THIRD PARTY GAINING ACCESS TO DUNIA’S SYSTEMS OR THOSE SYSTEMS OR NETWORK(S) USED BY THE WEBSITE;

  22.6           THE WEBSITE IS SUPPORTED BY COMPUTER BASED COMPONENT SYSTEMS FOR ORDER-ROUTING, EXECUTION, MATCHING AND USER REGISTRATION. AS WITH ALL FACILITIES AND SYSTEMS, THESE ARE VULNERABLE TO TEMPORARY OR PERMANENT DISRUPTION OR FAILURE. DUNIA ASSUMES NO LIABILITY FOR ANY SUCH DISRUPTION OR FAILURE (WHETHER TEMPORARY OR PERMANENT). DUNIA GIVES NO ASSURANCE THAT THE WEBSITE WILL BE AVAILABLE FOR USE BY THE USER AT ANY GIVEN TIME OR AT ALL.

 22.7           DUNIA EXPRESSLY DISCLAIMS RESPONSIBILITY FOR LOSS (INCLUDING LOSS OF PROFIT), DAMAGES AND LIABILITY ARISING OUT OF THE MALFUNCTION OF THE WEBSITE (OR ANY COMPONENT THEREOF) OR THE NON-EXECUTION OR INCORRECT EXECUTION OF AN ORDER.

 INDEMNITY

 The USer agrees to indemnify, defend and hold harmless dunia, its shareholders, officers, directors, employees, and agents (the “Indemnified Parties”) from any claims, actions, demands, damages, losses (including attorney’s fees) alleged, made, suffered or incurred by or against the Indemnified Parties (or any of them) arising directly or indirectly from the use or misuse of the Website or any content, a breach of these Terms, violation of any third party’s proprietary rights, or any disputes between the User and one or more users connected to or arising from the Website in any way. This clause shall survive the termination of the User’s registration on the Website.

 SEVERABILITY

 If any provision or part of any provision of these Terms shall be found by any authority or court of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of these Terms, which shall remain in full force and effect.

 TERMINATION OF THESE TERMS

 25.1           dunia may terminate these Terms with or without cause at any time. The User agrees that dunia may without prior notice, immediately terminate the User’s access to the Website. Should the User object to any terms and conditions of these Terms or become dissatisfied with any of the services made available through the Website in any way, the User’s only recourse is to immediately:

 25.1.1      discontinue use of the Website; and

 25.1.2      notify dunia of such discontinuance.

 25.2           Upon termination, the User’s right to use the Website shall cease immediately. The User shall have no right and dunia shall have no obligation thereafter to execute any of the User’s uncompleted orders or forward any unread or unsent messages to the User or any third party. Once the User’s registration or use of the Website is terminated, cancelled or suspended, any data that the User has stored on the Website may not be retrieved later. However,termination is without prejudice to any sums owed to dunia or an Eligible Merchant, which sums shall continue to be payable by the User.

 NOTICES

 26.1           All notices and communications from the User to dunia in relation to the Website and/or any of the services shall be in writing, in English and shall be deemed given if delivered personally or  mailed by registered or certified mail (acknowledgement receipt requested) to the following authorized representative at the following address:

 Department: Customer Service

 dunia Finance LLC

 P. O. Box 44005

 Abu Dhabi

UAE

 26.2           Notice shall be deemed to have been served seven (7) days after it has been sent, dispatched, as the case may be by dunia.

 26.3           The User may also contact dunia through the “Contact Us” form available on the Website in relation to inquiries on technical issues or to follow up on the status of an order.

 FORCE MAJEURE

 27.1           dunia shall be released from its obligations under these Terms in case of an event of Force Majeure, until such time as the event of Force Majeure comes to an end.

 27.2           Notwithstanding an event of Force Majeure, dunia shall be entitled to receive payments for all services rendered by it.

 DISCLOSURE OF INFORMATION

28.1      dunia agrees that it shall treat as confidential all User information (unless it is information already in the public domain) including information relating to orders placed or items purchased through duniaQwikBuy (hereinafter the “Information”) except in the following instances, in which case dunia shall be entitled to and the User hereby consents to the disclosure and/or transmission of Information as dunia, at its sole discretion deems necessary or appropriate:

 28.1.1           where disclosure is made to a branch, associated entity (which term shall include a subsidiary, parent company and/or any entity with a common shareholding or management) of dunia; credit verification and/or credit reporting agencies; service providers; debt collection agencies; lawyers; legal consultants; advocates; auditors; and professional advisors or consultants engaged by dunia; a court, tribunal or judicial body; to the extent permitted by law, a regulatory body (whether based in the UAE or abroad); the police; to the extent permitted by law, any other governmental or regulatory body with jurisdiction over either dunia or the User (or both):

  28.1.2           where disclosure is made during the course of legal proceedings;

  28.1.3           where disclosure is required by law; and

  28.1.4           where disclosure is necessary for dunia to perform its obligations under these Terms.

  28.2      dunia shall process, store and transmit all Information in accordance with its privacy policy, which is available for viewing on the Website.

  28.3      dunia may provide information about you to our third parties (including Eligible Merchants) for marketing campaigns and solicitation for products and/or services. However, if you have expressly notified us in writing that you do not want your information to be disclosed for such purpose we shall endeavour to ensure that you are not contacted or solicited in the course of our marketing campaigns.

  GOVERNING LAW AND DISPUTE RESOLUTION

These Terms shall be governed by and construed in accordance with the law applicable in the Dubai International Financial Centre. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, shall be referred to and finally resolved by arbitration under the Arbitration Rules of the DIFC-LCIA Arbitration Centre, which Rules are deemed to be incorporated by reference into this clause. The number of arbitrators shall be three. The seat, or legal place of arbitration shall be the Dubai International Financial Centre. The language to be used in the arbitration shall be English.

  PART B:DUNIA PRIVACY POLICY

 In this document, capitalized terms used but not defined herein shall have the meaning given to them in the Terms of use of www.duniaQwikBuy.ae (the “Website”), a copy of which is available for viewing on the Website.

 INTRODUCTION

1.1               Keeping the User’s personal information secure and ensuring the User’s understanding of how we at dunia use the information is important to us. dunia’s goal is to help the User understand how the personal information the User chooses to share with dunia through the Website is collected, used, maintained and disclosed where required. This privacy policy sets forth the terms on which dunia will collect, process, use and disclose information of the User (the “Privacy Policy”). The User may review this policy at any time by clicking on the ‘Privacy’ link appearing at the bottom of one or more pages of the Website.

 2                     REGISTERED USERS

 2.1               By using or accessing this Website, the User agrees to the collection, disclosure and use of data by dunia in the manner provided in this Privacy Policy. dunia’s Privacy Policy does not extend to websites owned or managed by third parties or for data or information disclosed by the User to third parties.

 2.2               dunia tracks the internet protocol address from which people visit the Website and analyzes this data for trends and statistics independently or as per an agreement with dunia’s affiliates. dunia uses the information it automatically receives from the User’s web browser to see which pages the User visits within the Website, which Website the User visited before coming to dunia’s Website, and where the User goes after he leaves. dunia develops statistics that are helpful to understand how dunia’s visitors can use this Website. dunia uses this information in the aggregate to measure the use of the Website and to administer and improve the Website. This statistical data is interpreted by dunia in its continuing effort to present the Website content that visitors are seeking in a format the Users find most helpful.

 2.3               Users are required to provide certain other information as provided in this Privacy Policy or as provided/required under other terms of use of the Website. This Privacy Policy also provides, inter alia, the use of information collected by dunia, the recipients to whom such information is intended to be disclosed to, type of information collected; and reasonable security practices and procedures adopted by dunia. 

 3                     CATEGORIES OF INFORMATION COLLECTED

  3.1               Upon enrollment/registration on the Website, the User chooses to provide dunia with certain personal information such as the User’s name, address, e-mail address and telephone number and agreement to the terms governing the use of the Website. The User can update registration information online. The User may change his password at any time.

 3.2               dunia collects the following general types of information about the User when they visit the Website: personal information, demographic information, behavioral information and indirect information.

 3.3               Personal information is information that can be used to identify the User, or any other individual to whom the information may relate, personally. dunia does not collect personal information unless the User chooses to provide it to dunia. Some examples of personal information that dunia collects are: name, address, email address, number, payment details, contact information, billing information, shipping information, information about third parties, such as references, mentors or contacts.

 3.4               Demographic information is information that is not unique to the User in the sense that it refers to selected population characteristics, such as a ZIP code or postal code, age, preferences, gender, race or ethnicity, occupation, career history, interests and favorites.

 3.5               Behavioral information is information on how the User uses the Website and mobile applications, the areas of the Website that the User visits, what services the User accesses, and information about the User’s computer hardware and software including your IP address, device information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number), geolocation, log information (device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL), browser and operating system type, domain names, access times and referring website addresses. This information is necessary for analyzing the use of resources, troubleshooting problems, preventing fraud, and improving our services or providing additional services.

 3.6               Indirect information is information dunia may collect about the User when the User uses certain third party services on the Website.

 3.7               If the User chooses not to provide the information dunia requests, the User can still visit this Website, but the User may be unable to access certain options, offers and services.

 4                     USES AND PURPOSES OF COLLECTING INFORMATION

 4.1               dunia may personalize the services on the Website. In order to provide this personalization, in addition to information dunia collects about the User on the Website, dunia acquires information (including personal, demographic, behavioural and indirect information) about the User from third parties. dunia will also strive to use any and all information provided by the User to enhance the utility of the Website for the User. 

 4.2               dunia may share the User’s information with third parties in relation to the services provided on the Website. dunia discloses information to companies and individuals it employs to perform functions on its behalf. Examples include hosting our web servers, analysing data, providing marketing assistance, processing card payments and providing customer service. dunia may use the information its collects from the services to provide, maintain, protect and improve the services, to develop new ones, and to protect dunia and its other users. dunia also uses this information to offer the User tailored content – like giving the User more relevant search results and advertisements. dunia may use the email address and other details to inform the User about dunia’s services, such as letting the User know about upcoming changes or improvements. The personal information provided by the User and the personalized data created and saved by the User on the Website is used to provide superior service to the User and to inform the User of various products, services, or other opportunities that may be available or become available through dunia or its affiliates. This may include disclosure of such information to employees, representatives, officers, agents, affiliates, government and regulatory entities, third parties, agents, contractors, sub-contractors and service providers. Such information and data will also be used to administer dunia’s business, the Website, the services and to process the User’s requests in a manner consistent with this Privacy Policy, the terms and conditions that govern the use of this Website and all Applicable Laws, rules, regulations, or other legal obligations. If the User provides dunia with his name, address, telephone number or e-mail address, or has done so in the past, dunia or its affiliates may contact the User by telephone, mail or e-mail. E-mail or other electronic communications sent to dunia through the site will be maintained in a manner consistent with the legal and regulatory requirements regarding client and public communications. To enable dunia to serve the User better, it is necessary that the User’s personal information available with dunia is updated at regular intervals and is accurate.

 4.3               Online advertisements may be posted by other companies on third party sites that carry our advertising. These companies may set cookies and use related technology, such as encoded URLs or other tracking mechanisms that may note how Internet users respond to an online advertisement. For example, Users that click on an online advertisement may be redirected to our Website with an encoded URL or other tracking technology that may collect and store information about Website visits, time spent, or a specific advertisement. Generally reported as aggregate and anonymous data, such information can help dunia understand for example the performance of online advertising. Third party sites that show our online advertising are often independent businesses that provide their own privacy statements. We are not responsible for such statements or websites. You should always review the privacy representations of those third party sites that you visit before you use them and particularly before you share personal information.

 4.4               dunia may share or disclose to its affiliates and or third parties any information derived from the registration on, or use of, any online service (including names and addresses): (a) in order to better service the needs of the Users; (b) to make offerings / services more relevant to the Users; (c) to keep track of point transactions; (d) to resolve any disputes; (e) to deal with requests, enquiries or complaints and other customer care related activities; (f) for all other general administrative and business purposes; (g) for carrying out any activity in connection with a legal, governmental or regulatory requirement or in connection with legal proceedings, crime or fraud prevention, detection or prosecution; (h) to effectively administer and fulfil our obligations under any agreement dunia may have with the User; (i) for preparing quarterly statements and account maintenance; (j) to organise, process, clean and analyse dunia’s data to help dunia better understand the trends and segments in the industry; (j) to provide the User additional communications, information, and promotions such as newsletters; (k) to contact the User about the Website and any updates, informational and service-related communications, including important security updates (l) for domain and system administrators. Any personal data and information that dunia may receive from any User or its peers, including by virtue of any peer reviews, recommendations or endorsements, can be used by dunia, its affiliates, its group companies, its associates for use and reuse, however, reasonable care will be taken by dunia to not misuse such data. Notwithstanding the foregoing, dunia shall not be responsible for any acts or omissions of its associate companies or advisors who misuse such data and information of the User.

 4.5               dunia may combine personal information from its one service with information from another service, including personal information, from other services for example to make it easier to share things with people the User may know.

 4.6               dunia may disclose and transfer such information to a third party who acquires any or all of dunia’s business units, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In addition, in the event, dunia becomes the subject of an insolvency proceeding, whether voluntary or involuntary, dunia or its liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of such information in a transaction approved by the court.

 5                     METHODS OF COLLECTING INFORMATION

  5.1               The Website stores and uses “cookies” so that dunia can better serve the User with customized information when the User returns to the Website. Cookies are identifiers which a web site can send to a browser to keep on the User’s computer to facilitate the Users next visit to the Website. The User can set his browser to notify him when he sends a cookie, giving the User the option to decide whether or not to accept it. The information dunia collects and analyzes is used to improve the Service. The User agrees that dunia or its third party service providers collect the User’s IP address or other unique identifier. At times, dunia also uses these identifiers to collect information regarding the frequency with which the Users visit various parts of the Website. dunia, either through itself or through affiliates or group companies may combine the User’s IP address with other personally identifiable information for providing specialized services (including marketing and for market research purposes), including internal demographic studies, so dunia can optimize the products and services and customize the Website for the User.

 5.2               dunia may combine the User visitor session information or other information collected through cookies, web beacons and other technical methods with personally identifiable information in order to understand and improve the User’s online experiences and to determine what products, promotions and services the User prefers or are likely to be of interest to the User. Among other things, dunia collects and obtains information provided by the User: (i) at the point of registering as a user; (ii) by posting material to the Website; (iii) by storing a copy of the User’s resume and any other information the User provides when he sends it to a recruiter; or (iv) by completing online requests for application packs.

 5.3               dunia also uses these technical methods in HTML e-mails that dunia sends the User for a number of purposes including: to determine whether the Users have opened or forwarded those e-mails and/or clicked on links in those e-mails; to customize the display of the banner advertisements and other messages after the User has closed an email; and to determine whether the User has made an enquiry or available services in response to a particular email. dunia may collect and store information (including personal information) locally on the User’s device using mechanisms such as browser web storage (including HTML 5) and application data caches.

 5.4               Cookies, web beacons and other technical methods may involve the transmission of information either directly to dunia or to another party authorised by dunia to collect information on dunia’s behalf. The information from use of these technical methods may be collected in a form that identifies the User personally. The User may get cookies from dunia’s advertisers. dunia does not control these cookies, and once the User has clicked on the advertisement and left the Website, dunia’s Privacy Policy no longer applies.

 5.5               If the User posts any of his personal information in public areas of the Website, such as on online forums or chat rooms, such information may be collected and used by others over whom dunia has no control. dunia cannot control the use made by third parties of information the User posts or otherwise makes available in public areas of the Website.

 6                     REASONABLE SECURITY PRACTICES AND PROCEDURES

  6.1               dunia will take appropriate steps to protect the information the User shares with dunia. dunia has implemented technology and security features and strict policy guidelines to safeguard the privacy of the User’s personally identifiable information from unauthorized access and improper use or disclosure.

 6.2               dunia shall take reasonable steps to ensure that the confidentiality of the information belonging to the User is maintained by imposing strict confidentiality standards on all the third parties, agents, contractors, sub-contractors and service providers with whom it may share such information.

  7                     GENERAL

  7.1               If dunia’s Privacy Policy changes in the future, it will be posted here and a new effective date will be shown. The User should access dunia’s Privacy Policy regularly to ensure that the User understands the extant policies. The User shall make reference to the Privacy Policy in the subject line of any communication to dunia. dunia will attempt to respond to all reasonable concerns or inquiries on a best efforts basis within a reasonable period of time.

 7.2               Because of the nature of the internet, dunia may transmit the information collected from the User to another country for purposes such as for storage, or for carrying out the processing detailed above, or because of where dunia’s servers are located.

 7.3               dunia may change this Privacy Policy from time to time without requiring any consent from anyone and dunia will post the latest version on this Website.

 7.4               Information posted in public areas of the Website or place in the searchable resume database can be accessed, used, and stored by others around the world, including those in countries that might not have legislation that guarantees adequate protection of personal information as defined by the country of residence of the User.

 8                     AGREEMENT TO PRIVACY POLICY

  8.1               BY ACCESSING THE WEBSITE, PROVIDING PERSONAL INFORMATION FOR INCLUSION IN DUNIA’S DATABASE OR PLACING ORDERS THROUGH THE WEBSITE, THE USER HEREBY UNCONDITIONALLY AND IRREVOCABLY CONSENTS TO HIS INFORMATION BEING STORED, USED, ALTERED, MODIFIED, COMPLIED, DIS-ASSEMBLED, SHARED AND DISSEMINATED AS DESCRIBED HERE.

 8.2               IF YOU DO NOT AGREE WITH ANYTHING CONTAINED IN THIS PRIVACY POLICY, PLEASE DO NOT USE THE WEBSITE.