Terms & Conditions

1. Parties and Agreement

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client", "you") and Sadaindex DIFC Ltd., a company incorporated in the Dubai International Financial Centre (DIFC), licensed and regulated by the Dubai Financial Services Authority (DFSA) under Licence No. F-007842.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction)
• Not be a citizen or resident of the United States of America, or any OFAC-sanctioned country
• Have the legal capacity to enter into a binding contract
• Successfully complete our Know Your Customer (KYC) and Anti-Money Laundering (AML) verification
• Not be classified as a politically exposed person (PEP) without prior disclosure and approval

3. Account Registration & KYC

You agree to provide accurate, complete, and current information during registration. Sadaindex is required by DFSA regulations to conduct identity verification and source-of-funds checks. You agree to provide requested documentation within 5 business days of request. Failure to do so may result in account suspension.

4. Investment Services

Sadaindex provides the following regulated services under its DFSA licence:

• Arranging and advising on investments
• Managing collective investment vehicles
• Operating a multilateral trading facility
• Providing custody services for financial instruments

All investment recommendations are provided for informational purposes. Final investment decisions remain solely with the client unless a Discretionary Management Agreement has been executed.

5. Investment Plans & Returns

Advertised ROI figures represent historical performance and are not guaranteed future returns. Investment plan terms (duration, minimum investment, fees) are as specified in the respective plan documentation provided at the time of investment. Early termination may attract penalties as detailed in the specific plan agreement.

6. Fees & Charges

Sadaindex charges fees as follows:

• Management Fee: 1.5%–2.0% per annum of AUM, depending on plan tier
• Performance Fee: 20% of profits exceeding the hurdle rate (8% p.a.), charged quarterly
• Transaction Fee: As disclosed in the applicable Product Disclosure Statement
• Withdrawal Fee: No fee for standard withdrawals; 1.5% for early exit within lock-in period

7. Client Funds

Client funds are held in segregated accounts with DFSA-approved custodians, separate from Sadaindex's corporate funds. This structure protects your capital in the event of our insolvency.

8. Prohibited Uses

You agree not to use our platform for:

• Money laundering, terrorist financing, or any criminal activity
• Market manipulation, insider trading, or fraudulent conduct
• Circumventing sanctions or regulatory requirements
• Automated scraping, reverse engineering, or unauthorised API access
• Impersonating another person or entity

9. Limitation of Liability

To the maximum extent permitted by law, Sadaindex shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of our services, including but not limited to investment losses, market volatility events, or force majeure circumstances. Our aggregate liability shall not exceed the total fees paid by you in the preceding 12 months.

10. Intellectual Property

All content, trademarks, software, and technology on the Sadaindex platform, including Sada-Ai, are the exclusive property of Sadaindex DIFC Ltd. or its licensors. No content may be reproduced, distributed, or commercially exploited without prior written consent.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the DIFC, Dubai, UAE. Any dispute shall be referred to the DIFC Courts. Prior to litigation, parties agree to attempt good-faith mediation through the DIFC-LCIA Arbitration Centre.

12. Amendments

Sadaindex reserves the right to modify these Terms at any time. Material changes will be communicated via email with 30 days' notice. Continued use of the platform after the effective date constitutes acceptance of the revised Terms.

13. Contact