AIFX Learning – FZCO General Terms and Conditions (UAE Jurisdiction)

Effective Date: 15 Feb 2025
Governing Law: United Arab Emirates (UAE)

These Terms and Conditions (“Terms,” “Agreement”) govern your access to and use of the websites, platforms, software, and services provided by AIFXL FZCO  (“AIFXL,” “Company,” “Provider,” “we,” “our,” or “us”), incorporated in the United Arab Emirates.

By using our website, software, or services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must discontinue use of our services immediately.

1. INTRODUCTION & ACCEPTANCE

1.1 By accessing or using AIFXL’s website or services, you expressly accept and agree to comply with these Terms, as well as our Privacy Policy and Compliance Policy.

1.2 This Agreement constitutes the entire legal understanding between AIFXL and the client (“User,” “Client,” or “you”) and supersedes any prior discussions, agreements, or understandings, whether verbal or written.

1.3 AIFXL is registered in the UAE as a software development and technology company. We provide access to proprietary automated trading algorithms and related technological tools.

1.4 We do not act as:

• A broker, investment firm, or bank;

• A licensed financial advisor;

• A fund manager or custodian of client funds.

1.5 Our role is limited to providing technology solutions that connect to your own brokerage account. The User remains solely responsible for account setup, deposits, withdrawals, and compliance with local regulations.

1.6 If you are under 18 years of age, you are not permitted to use our services.

2. SCOPE OF SERVICES

2.1 AIFXL develops and licenses automated algorithmic trading systems (“Trading Bots” or “AI Systems”) designed to execute trades within supported financial markets, including but not limited to:

• Foreign exchange (Forex)

• Commodities

• Indices

• Cryptocurrencies (depending on broker availability)

2.2 Our AI Systems are designed to:

• Analyse real-time data using machine learning and artificial intelligence models;

• Execute trades based on pre-programmed logic and statistical analysis;

• Provide trade reporting, analytics, and performance summaries.

2.3 The User acknowledges that:

• AIFXL does not provide personalised investment advice.

• AIFXL does not guarantee profits or risk-free returns.

• Trading is inherently risky, and past performance is not a guarantee of future results.

2.4 Our Services may be provided through:

• Proprietary software hosted on AIFXL servers;

• API integrations with supported brokers;

• Third-party auditing and reporting tools such as MyFXBook or FX Blue.

3. REGULATORY POSITION IN THE UAE

3.1 AIFXL is a technology service provider, not a licensed financial institution. We are not authorised or regulated by the Dubai Financial Services Authority (DFSA), the Securities and Commodities Authority (SCA), or the Central Bank of the UAE.

3.2 By using our services, you acknowledge and accept that:

• We operate in an unregulated space, providing software solutions only.

• We do not solicit or manage investments on your behalf.

• All trading activity is carried out in your own name and account with an independent broker.

3.3 AIFXL encourages all clients to select FCA-, DFSA-, or SCA-regulated brokers for maximum protection of funds.

3.4 Clients are solely responsible for ensuring that their use of AIFXL’s services is permitted under UAE law and any laws of their home jurisdiction.

4. CLIENT FUNDS & BROKER RELATIONSHIP

4.1 AIFXL does not at any time:

• Accept, hold, or transfer client funds;

• Open brokerage accounts on behalf of clients;

• Interfere with deposits or withdrawals.

4.2 All deposits, withdrawals, and balance management are conducted exclusively through your chosen broker.

4.3 The broker relationship is strictly between you and the broker. AIFXL bears no liability for:

• Broker solvency or operational issues;

• Withdrawal delays;

• Trading platform malfunctions.

4.4 The User agrees to independently verify that their broker is licensed by a recognised financial authority (e.g., DFSA, SCA, FCA, CySEC).

5. RISK DISCLOSURE

5.1 Trading financial instruments using leverage is high risk. You may lose part or all of your investment.

5.2 Risks include but are not limited to:

• High volatility of markets;

• Slippage due to sudden price movements;

• Broker execution delays or downtime;

• Unexpected political, economic, or natural events (“Black Swan events”);

• Technical failures including internet outages, server downtime, or API errors.

5.3 AIFXL’s algorithms are not guaranteed to generate profits. They are tools designed to assist with execution.

5.4 By using our services, you confirm that you:

• Understand the risks involved in trading financial instruments;

• Accept full responsibility for your trading outcomes;

• Will not hold AIFXL liable for any financial loss.

6. PERFORMANCE DATA & TRANSPARENCY

6.1 Performance metrics displayed on our website or marketing materials are derived from either:

• Live verified accounts (audited via third-party tools such as FX Blue or MyFXBook);

• Historical backtests or simulations.

6.2 Users must acknowledge that:

• Past results are not an indicator of future performance;

• Simulated results may differ from real-world performance due to spreads, liquidity, and latency;

• Individual outcomes vary based on broker, leverage, capital, and account conditions.

6.3 Testimonials from clients are personal experiences only and do not guarantee similar outcomes for new users.

7. FEES, VARIABLE COSTS & PAYMENTS

7.1 AIFXL charges a monthly software license fee for use of our AI systems.

7.2 Fees may include:

• A fixed base subscription fee;

• Variable monthly costs, which may change depending on account size, broker integration, or level of technical support required.

7.3 Clients will be notified in advance of any fee adjustments.

7.4 All payments must be made via approved payment methods (e.g., bank transfer, card payments, or crypto if available).

7.5 Payments are non-refundable unless otherwise required by UAE consumer protection laws.

7.6 Failure to pay fees may result in:

• Immediate suspension of service;

• Deactivation of the AI system, potentially leaving open trades unmanaged;

• Termination of the Agreement.

8. USER RESPONSIBILITIES & CONDUCT

8.1 By registering with AIFXL, you agree to provide accurate, complete, and current information during signup and maintain its accuracy thereafter.

8.2 You are solely responsible for:

• The security of your login credentials;

• Ensuring your device and internet connection meet the technical requirements;

• Complying with local laws related to financial trading in your jurisdiction.

8.3 You agree not to:

• Use AIFXL systems for illegal, fraudulent, or unauthorised purposes;

• Share, resell, or sublicense our software to third parties;

• Attempt to reverse engineer, decompile, or replicate our algorithms;

• Open multiple trial accounts to bypass subscription fees;

• Interfere with or disrupt our servers or networks.

8.4 AIFXL reserves the right to suspend or terminate any client’s account if suspicious or abusive activity is detected.

9. NEUTRAL POSITION OF AIFXL

9.1 AIFXL provides automated trading software only. We are not a financial intermediary, broker, or custodian.

9.2 All trading decisions and risks remain with the User. Our AI may suggest or execute trades, but ultimate responsibility for financial outcomes rests entirely with you.

9.3 AIFXL has no role in:

• Broker-client disputes;

• Execution speed or slippage issues;

• Account funding or withdrawals.

10. INTELLECTUAL PROPERTY RIGHTS

10.1 All software, algorithms, website content, brand assets, and documentation are the exclusive property of AIFXL.

10.2 You are granted a non-exclusive, revocable, non-transferable license to use our software during your paid subscription period.

10.3 You must not:

• Copy, distribute, or resell our software;

• Disclose proprietary strategies or coding logic;

• Use AIFXL systems to develop competing products.

10.4 Any breach of our Intellectual Property (“IP”) rights will entitle AIFXL to seek injunctive relief under UAE IP laws and claim damages.

11. FEES, PAYMENTS & VARIABLE COSTS (Expanded)

11.1 Subscription fees are payable monthly in advance.

11.2 In addition to fixed subscription fees, AIFXL may apply variable monthly costs based on:

• Trading volume handled by the algorithm;

• Account equity size;

• Additional reporting, customisation, or compliance support requested by the client.

11.3 Payment failures or direct debit cancellations will result in:

• Immediate suspension of the AI system;

• Deactivation of access to client dashboards;

• Permanent termination if not resolved within 7 days.

11.4 If the AI is deactivated while trades remain open, this may result in losses. The User acknowledges this risk and releases AIFXL from all liability.

12. DATA PROTECTION & PRIVACY (UAE PDPL Compliance)

12.1 AIFXL complies with the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021).

12.2 We collect and process personal data solely for:

• Account registration and billing;

• Software access;

• Compliance and auditing purposes.

12.3 We will never sell client data to third parties.

12.4 We may share limited data with:

• Brokers (for technical integration);

• Compliance authorities (AML/CFT checks);

• Third-party service providers under strict confidentiality.

12.5 Users have the right to request:

• Access to their personal data;

• Correction of inaccurate information;

• Deletion of data, subject to regulatory retention requirements.

13. LIMITATION OF LIABILITY

13.1 To the maximum extent permitted under UAE law, AIFXL shall not be held liable for:

• Any direct or indirect financial losses incurred from using our AI;

• Broker insolvency or operational issues;

• Market volatility, slippage, or liquidity events;

• System outages, internet disruptions, or API failures.

13.2 Users accept full responsibility for all trading risks.

13.3 AIFXL is a software provider only. By using our services, you release us from liability for:

• Loss of trading capital;

• Missed opportunities;

• Tax or regulatory obligations in your jurisdiction.

13.4 Nothing in these Terms excludes liability for fraud, willful misconduct, or violations of UAE law.

14. FORCE MAJEURE

14.1 AIFXL shall not be liable for delays, interruptions, or service failures caused by:

• Acts of God, natural disasters, or pandemics;

• Political unrest, sanctions, or government restrictions;

• Cyberattacks, hacking, or DDoS events;

• Power or internet outages beyond our control.

14.2 In such cases, AIFXL may temporarily suspend services without liability to clients.

15. TERMINATION OF AGREEMENT

15.1 Clients may terminate their agreement with AIFXL by providing 30 days’ written notice.

15.2 AIFXL reserves the right to immediately terminate a User’s access if:

• Subscription fees are unpaid;

• The User breaches these Terms;

• Illegal or suspicious activity is detected.

15.3 Upon termination:

• Access to AI systems will be revoked;

• Any outstanding fees must be settled;

• No refunds will be issued unless required under UAE law.

16. COMPLAINTS & DISPUTE RESOLUTION

16.1 Clients may raise complaints by emailing our support team. AIFXL aims to respond within 5 business days.

16.2 If disputes cannot be resolved internally, they will be referred to arbitration.

16.3 The governing law shall be the laws of the United Arab Emirates. Disputes shall be resolved by the Dubai International Arbitration Centre (DIAC) in English.

17. GOVERNING LAW & JURISDICTION

17.1 This Agreement is governed by the laws of the United Arab Emirates.

17.2 By accepting these Terms, you submit to the exclusive jurisdiction of Dubai courts and DIAC arbitration.

17.3 If any provision of this Agreement is found invalid, the remaining clauses remain enforceable.

18. FINAL PROVISIONS

18.1 These Terms may be updated from time to time. Clients will be notified by email or via our website.

18.2 Continued use of AIFXL services after an update constitutes acceptance of the revised Terms.

18.3 These Terms form the entire agreement between AIFXL and the User.

18.4 By subscribing to AIFXL services, you confirm that you:

• Have read and understood these Terms;

• Accept the risks associated with trading;

• Release AIFXL from responsibility for financial losses.