1. About These Terms
These Terms and Conditions ("Terms") govern your access to and use of the website operated by Credx Capital Company.
By accessing or using this website, you acknowledge that you have read and agree to these Terms.
If you do not agree with these Terms, you should discontinue use of the website.
2. About Credx Capital
Credx Capital Company is a Saudi limited liability company registered under National Number 7055225192.
Credx Capital operates in the Kingdom of Saudi Arabia and may conduct activities regulated by the Capital Market Authority only to the extent that the relevant regulatory approvals, licences and commencement requirements have been satisfied.
Nothing on this website should be interpreted as representing that Credx Capital is authorised to provide a particular regulated service unless such service is expressly identified as being available and duly authorised.
3. Purpose of the Website
The website is provided primarily for:
- corporate information;
- general market and educational information;
- information regarding Credx Capital’s business and capabilities;
- communication with existing and prospective clients;
- access to services that may become available through the website.
Unless expressly stated otherwise, information appearing on this website is general information only.
4. No Offer or Solicitation
Nothing on this website constitutes or should be construed as:
- an offer to sell;
- an invitation or solicitation to purchase;
- an offer to subscribe for;
- a recommendation concerning; or
- an invitation to enter into any transaction involving,
any security, fund unit, investment, financial product or regulated financial service.
Any offer of a financial product or investment will be made only through the relevant legally required documentation and in accordance with applicable regulatory requirements.
If there is any inconsistency between website content and the formal terms, offering document, fund terms and conditions or contractual documentation governing a product or service, the formal documentation shall prevail.
5. No Investment, Legal or Tax Advice
Unless Credx Capital expressly agrees otherwise in writing within the scope of a duly authorised service, website content does not constitute:
- investment advice;
- a personal recommendation;
- financial advice;
- legal advice;
- tax advice;
- accounting advice; or
- Shariah advice.
You should obtain independent professional advice appropriate to your circumstances before making any financial, investment or commercial decision.
6. Investment Risks
Investments may involve significant risk.
Depending upon the product:
- the value of investments may rise or fall;
- investors may lose some or all of their invested capital;
- investments may be illiquid;
- there may be no secondary market;
- distributions and returns may not be guaranteed;
- projections and target returns may not be achieved; and
- past performance is not necessarily indicative of future performance.
Information concerning a specific investment must be read together with the applicable offering documentation and risk disclosures.
7. Regulatory Information
References on this website to regulatory approvals, licences, registrations or regulatory status should be understood by reference to their applicable scope, conditions and effective dates.
Approval, authorisation or licensing by a regulator does not constitute a recommendation or endorsement of any investment or guarantee the performance of any product.
8. Eligibility and Restricted Access
Certain areas, documents, financial products or services may be intended only for:
- specified categories of clients;
- institutional or qualified investors;
- persons resident in certain jurisdictions; or
- persons satisfying applicable legal and regulatory eligibility requirements.
You are responsible for ensuring that your access to and use of the website is lawful in the jurisdiction in which you are located.
Credx Capital may restrict access to any part of the website at its discretion or where required by law.
9. Accuracy of Information
Credx Capital seeks to provide information that is accurate and current.
However:
- website content may be incomplete;
- information may become outdated;
- market information may change rapidly;
- errors may occur; and
- information may be changed without prior notice.
Except where liability cannot legally be excluded, Credx Capital does not warrant that website information is accurate, complete, current or suitable for any particular purpose.
10. Forward-Looking Statements
The website may contain projections, estimates, targets, expectations and other forward-looking statements.
Such statements:
- involve assumptions;
- are subject to known and unknown risks and uncertainties;
- are not guarantees of future results; and
- may differ materially from actual outcomes.
Credx Capital has no obligation to update forward-looking statements except where required by applicable law.
11. Intellectual Property
Unless stated otherwise, all intellectual-property rights in this website and its contents, including:
- trademarks;
- trade names;
- logos;
- text;
- graphics;
- presentations;
- reports;
- photographs;
- databases;
- software;
- website design; and
- other materials,
belong to Credx Capital, its affiliates or their respective licensors.
You may access and view website content for legitimate personal or business-information purposes only.
You may not reproduce, distribute, modify, publish, commercially exploit or create derivative works from website content without prior written permission.
12. Acceptable Use
You must not:
- use the website unlawfully;
- attempt unauthorised access to any system or account;
- introduce viruses, malicious code or harmful software;
- interfere with the operation or security of the website;
- scrape or systematically extract website content without permission;
- impersonate another person;
- submit false or misleading information;
- use the website to infringe the rights of another person.
13. User Information and Submissions
You are responsible for ensuring that information you provide to Credx Capital is:
- accurate;
- complete;
- current; and
- lawfully provided.
Submitting an enquiry or information through the website does not, by itself, create:
- a client relationship;
- an advisory relationship;
- a fiduciary relationship;
- an investment-management relationship; or
- any obligation on Credx Capital to provide a service.
14. Electronic Communications
You consent to communications being conducted electronically where permitted by law.
Electronic communications may include:
- email;
- website notifications;
- digital documentation; and
- electronic signature or authentication solutions.
You are responsible for maintaining accurate contact information and the security of your email accounts and devices.
15. Privacy
Use of the website is subject to our Privacy Policy, which explains how Personal Data is processed.
16. Third-Party Content and Links
The website may contain information supplied by third parties or links to third-party websites.
Such content is provided for convenience only.
Credx Capital:
- does not control third-party websites;
- does not necessarily endorse third-party content; and
- accepts no responsibility for third-party content, security or availability, except to the extent required by law.
17. Website Availability and Cybersecurity
We may:
- suspend the website;
- withdraw functionality;
- perform maintenance;
- change website features; or
- restrict access,
at any time.
We do not guarantee uninterrupted or error-free operation.
You should maintain appropriate cybersecurity controls on your own devices and systems.
18. Limitation of Liability
To the maximum extent permitted by applicable law, neither Credx Capital nor its directors, officers, employees, affiliates or agents shall be liable for loss arising solely from:
- reliance on general website information;
- inability to access the website;
- third-party websites;
- technical errors outside our reasonable control; or
- unauthorised third-party interference with internet communications.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
19. Changes
We may amend:
- these Terms;
- website content;
- services;
- functionality; or
- access requirements,
from time to time.
Updated Terms become effective when published unless stated otherwise.
20. Governing Law and Jurisdiction
These Terms and your use of the website are governed by the laws and regulations of the Kingdom of Saudi Arabia.
Subject to any mandatory dispute-resolution requirement imposed by applicable law or regulation, the competent courts and judicial authorities of the Kingdom of Saudi Arabia shall have jurisdiction over disputes arising from these Terms or use of the website.
21. Language
These Terms may be published in Arabic and English.
In the event of any inconsistency between the Arabic and English versions, the Arabic version shall prevail, subject to applicable law.
22. Contact
Credx Capital Company
Riyadh, Kingdom of Saudi Arabia
General enquiries:
info@credx.sa
Privacy enquiries:
privacy@credx.sa
Compliance and regulatory enquiries:
compliance@credx.sa
In the event of any inconsistency between the Arabic and English versions, the Arabic version shall prevail.