Welcome to TWIG (TWIG), operated by “TWIG Solutions Ltd.” registered under registration number CL4484, having its address at Unit 201, Level 1 – Gate Avenue, South Zone, Dubai International Financial Centre, United Arab Emirates.
By visiting Our website www.twig.ae (Website), and/or using or purchasing any service from TWIG’s mobile application (App, and collectively the App and Website, the Products), You engage and agree to be bound by the Terms. The Terms apply to all the users of the Website, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content. All capitalized terms have the meanings given to them in these Terms, unless otherwise indicated.
Please read the Terms carefully before accessing or using the Services. If You do not agree to all the Terms of this Agreement, then You may not access the Website, the App or use any of its Services.
When You agree to these Terms and accept this Agreement, You do so on behalf of Yourself and any person that You entitle or authorize to use TWIG’s account (with You, each a User of Your TWIG’s account) to the extent provided in these Terms. You are responsible for obtaining all consents and authorizations needed to accept this Agreement for others.
We reserve the right to update, change or replace any part of the Terms by posting updates and/or changes to the Website. It is Your responsibility to check the Terms periodically for changes. Your continued use of or access to the Website following the posting of any changes constitutes acceptance of those changes.
If You use the Services on behalf of another, whether a natural person (Individual) or legal non-natural person or entity (Organization), You represent and warrant that You (1) are duly authorized and empowered by and for that Individual or Organization to agree to these Terms and accept this Agreement on behalf of the Individual or Organization, and (2) do accept this Agreement on behalf of the Individual or Organization; unless the Individual or Organization has a separate paid contract with TWIG, in which event the terms of that separate paid contract will control. You also represent and warrant that You are duly authorized and empowered to use the Services on behalf of the Individual or Organization.
TWIG is a Personal Finance Management (PFM) mobile application that empowers individuals by building their financial resilience to gain better control over their financial decisions. By promoting healthy habits and contributing towards financial wellbeing, TWIG equips users with the necessary knowledge and tools through saving mechanisms, goal setting features, smart and automated budget tracking, tailored data-driven insights. (Services).
TWIG reserves the right to, from time to time to: update the Services; and/or make new applications, tools, features or functionalities available through the Services, the use of which may be contingent upon Your agreement to additional Terms and/or Service fees. TWIG reserves the right to discontinue the Services, or certain applications, tools, features or functionalities of the Service, for any reason at any time, in TWIG’s sole discretion, without any liability to You.
You represent and warrant that: (a) all Users are at least 18 years of age; (b) You have not previously been suspended or removed from the Services; and (c) You will provide any and all documentation as requested by TWIG, included as needed to verify identity and creditworthiness.
You understand and agree that persons under the age of 18 years are not eligible to and may not use the Service without parental supervision.
You also agree to represent yourself honestly, that all of the information You provide is true, correct, and current, to the best of your knowledge, and that You have the necessary rights, power and authority, to agree to these terms and to perform the acts required of You by this Agreement.
By using the Products either by visiting the Website and/or purchasing any Service and/or offering any Services through the App and the Website You represent that You are at least the age of majority in Your country of residence and You have given Us Your consent to allow any of Your minor dependents to use the App and the Website, and You agree that:
A breach or violation of any of these Terms will result in an immediate termination of Your TWIG Account.
To use the Services, You may be required to enroll as a User and create an account (TWIG Account). To enroll as a User, You will be required to provide Us with information about Yourself, including but not limited to Your name, address, email address, phone number and other contact or identifying information, and about Your Organization or Individual, as appropriate. You agree that the information You provide to Us will be accurate and that You will keep it up-to-date at all times. Users are solely responsible for maintaining the confidentiality of their login credentials (Login Credentials), and to the extent allowed by law, You accept responsibility for all activities on Your account authenticated through User Login Credentials, whether authorized or not. Each User agrees to keep Login Credentials confidential and secure, and Users will not give or make Login Credentials available, directly or indirectly, to any unauthorized individual. You acknowledge and agree that if Users allow, whether through action or inaction, a person to gain access to Login Credentials, with or without permission, the User is authorizing that person to use the Services, and You will be responsible for all transactions that result from such access, even if You did not want the transactions performed, and even if they are unauthorized or fraudulent.
Commercially Reasonable Security Procedures. You acknowledge and agree that Our security procedures are a commercially reasonable method of verifying Your identity and extracting and categorizing Your financial transactions, providing security against unauthorized access to the App and fraud, and protecting Your TWIG account.
Lost, Stolen or Compromised Account or Login Credentials. You agree to immediately notify TWIG’s customer support through e-mail: [email protected] if You believe that Your TWIG Account has been: compromised or accessed without authorization, Login Credentials lost, stolen or compromised through Your TWIG Account without authorization.
Access through Third-Party Platforms. If Users choose to access Your account through a third-party platform, You are making a determination that the third party platform and its login protocol are sufficiently secure to protect Login Credentials and Your TWIG’s Account, and You accept full responsibility and liability if access through the third party platform leads to the compromise of Login Credentials or Your TWIG’s Account.
Subject to this Agreement, including payment of all Service Fees if applicable, TWIG grants You a personal, limited, non-exclusive, non-assignable, non-transferable and non-sub-licensable license to access and use the Services, including without limitation the software that enables the Services, together with any updates, bug fixes, help content, and other related materials that TWIG provides to You (collectively, the Software), solely for Your own use for so long as You are authorized to use the Services. You acknowledge and agree that if You are in violation of this Agreement, TWIG may, in its sole discretion and without notice to You, immediately suspend or terminate Your license and/or access to the Services.
Intellectual Property. These Products contain material which is owned by or licensed to TWIG. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these Terms. Though these Products you may have access to purchase the Services. TWIG authorizes you to purchase the Services solely for your personal, non-commercial use. This license to use the Products and its material including the Services is not a sale of any of the owner’s rights. The Products may be used only by You, and You may not rent, lease, lend, sub-license or transfer the Products or any data residing on it or any of Your rights under these Terms to anyone else. You may not develop or derive for commercial sale any data in machine-readable or other form that incorporates or uses any substantial part of the Products. You may not transfer to or store any data residing or exchanged over the Products to any electronic network for use by more than one user unless You obtain prior written permission from TWIG. Except as otherwise expressly provided, You shall not sell, modify, reproduce, copy, display, perform, distribute, transfer, use, publish, license or create derivate works from any content contained in the Products. The use of the Products content on any other Product or in a networked computer environment for any purpose is prohibited. You shall not copy or adapt the coding that TWIG creates to generate its pages. You shall not upload, post or otherwise make available through the Products any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. TWIG does not have any express burden or responsibility to provide You with indications, markings or anything else that may aid You in determining whether the material in question is copyrighted or trademarked. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights or any other harm resulting from such a submission. You acknowledge and agree that TWIG is the owner of all rights, title and interest, including the Intellectual Property Rights (as defined below), to the Services and the Products. You hereby warrant that no information submitted to TWIG by You, including any customizations requested on products, shall violate any Intellectual Property Right of any third party. For the purpose of the Agreements, Intellectual Property Rights shall mean any and all of the following: (a) rights associated with works of authorship throughout the universe, including but not limited to copyrights, moral rights, and mask-works; (b) trademark and trade name rights and similar rights; (c) trade secret rights; (d) patents, designs, algorithms and other industrial property rights; (e) all other intellectual and industrial property rights (of every kind and nature throughout the universe and however designated). TWIG and other names, trademarks, trade names, service marks, logos, symbols or other source identifiers identified on the Website/Application or used by TWIG, in addition to other marks not listed herein, are registered service marks. You may not use any of TWIG’s trademarks for any purpose without the express written permission of TWIG. Other names, trademarks, trade names, service marks, logos, symbols or other source identifiers identified through the Products may be owned by a third-party. The use through the Products of any name, trade name, trademark, service mark, design, logo, symbol or other proprietary designation or marking of or belonging to a third party, and the availability of products or services from such third parties, shall not be construed as an endorsement, sponsorship or recommendation of the Products or Services provided by TWIG by any such third party, or the participation by such third parties in the offering of products or services through the Products. TWIG respects the Intellectual Property Rights of others. You are not permitted to: (a) remove any proprietary notices, labels, or marks on any component of the Services (or the Products generally), whether physically, in compiled machine language, or in the Source Code or (b) sublicense, assign, delegate or otherwise transfer this license or an of the related rights or obligations for any reason without the prior written consent of TWIG (any attempt to sublicense, assign, delegate or transfer this license, either by contract, statute, corporate merger of any sort, regulation or court order, without the prior written consent of TWIG shall be voidable at TWIG’s sole and absolute discretion). Failure to comply with these restrictions will result in automatic termination of any rights provided to You under this Agreement. You agree to indemnify and hold Us harmless for all liability, fees, and costs resulting from any third party's claim that information you submitted to Us or customizations requested on products violate their Intellectual Property Rights.
Reservation of Rights by TWIG. TWIG reserves and retains all rights in the Services not expressly granted to You in this Agreement. The Software is protected by copyright, trade secret, and other intellectual property laws. TWIG and its licensors, if any, own the title, copyright, and other worldwide intellectual property rights in the Services and all copies thereof. This Agreement does not give You any rights in TWIG’s or its licensors’ intellectual property, including its trademarks or service marks.
Under this Agreement, you confirm that you will not use the Services in connection with the following businesses or business activities. The following list is representative but not exhaustive and We reserve the right to amend it from time to time:
Service for Authorized and Lawful Purposes Only. You agree that You will use the Service only as permitted by applicable law and exclusively for authorized purposes, consistent with this Agreement. You will not, and You will not allow any third party, to:
No Assignment or Transfer. You may not assign or transfer the Agreement, in whole or in part, without TWIG’s written consent. Any attempted assignment or transfer in violation of this Section or this Agreement will be null and void. TWIG may assign its rights or delegate its obligations hereunder without Your consent. Subject to these restrictions, the Agreement will inure to the benefit of the successors and permitted assigns of the parties.
No Marketing. If TWIG provides You with information about another user of the Services, You acknowledge and agree that You will not use the information for any purpose other than the purpose for which the information is provided to You. You may not disclose, sell, rent, or distribute another user’s information for any purpose unrelated to Your use of the Services. You may not use the information for marketing purposes, unless You separately obtain the appropriate consent of the specific user to do so
Service Fees. Access to the Services, or to certain features of the Services, may require You to pay certain fees (individually and collectively, Service Fees). You agree to pay when due all Service Fees applicable to Your use of the Services. You agree that You are responsible for the full amount of applicable Service Fees for each billing cycle in which You use the Services or maintain a TWIG Account, even if You don’t use the Services during the billing cycle or use the Service for only a portion of the billing cycle. TWIG reserves the right to cancel Your TWIG’s account if Your account is not in good standing or has any overdue Service Fees.
Subscription Fees. TWIG is currently free of charge.
Changes to Service Fees. TWIG reserves the right to change the Service Fees from time to time, in its sole discretion. TWIG will provide advanced notice of any material increase of a change in Service Fees. By continuing to use the Services after notice of the new Service Fees, You accept all changes in Service Fees. All Service Fees are non-refundable, except in the sole discretion of TWIG.
Refund Policy. TWIG reserves the right to accept a refund request filed by the User or not. In the scenario in which TWIG decides to withdraw any Fee or monetary amount deposited by the User, the withdrawal process shall take up to 48 business hours. In the event of withdrawal, the User agree and acknowledges to pay and to be held liable of any interest or transaction fee that may occur.
Financial Transactions. You understand and acknowledge that each financial transaction is subject to the approval of Your respective bank and that TWIG shall not be responsible or liable for any transaction that is declined by any respective bank or financial institution. In order to make a financial transaction through TWIG, senders might be required to verify the transfer that they would like to initiate by a one-time password (OTP) or any other verification procedure as may be required by the bank. By accepting Our Terms, each User hereby expressly consents to TWIG (i) submitting a request to their respective banks to proceed with the financial transaction; (ii) accessing their bank account; (iii) transferring financial transaction from and/or to their bank accounts as per the User’s instructions; and (iv) initiating any other actions required under these Terms for the provision of the Platform Services on behalf of the Users.
All financial transactions will be held in a Client Money Account managed by a trusted partner financial institution, Emirates NBD (the “Account Provider”). Emirates NBD is authorized and regulated by the Central Bank of the UAE, and has permission to accept deposits.
Laws and regulations require financial institutions, including money services businesses, to obtain, verify, and record information that identifies every customer. What this means for You: When You use the Services, We will ask You for Your first name, Your middle name, Your last name, Your mobile number, Your email address and Your date of birth and other information that will allow Us to identify You. We will let You know if additional information is required. When You register for the Service, you acknowledge that we and our partners may carry out checks on Your identity to satisfy anti-money laundering and terrorist financing legislation, fraud checks, and other applicable legal requirements. We may also carry out other relevant checks with third parties such as credit checks. Your right to use the Service is restricted until You have satisfied Our customer due diligence checks. Further checks may be needed where We think the circumstances require it or to comply with Our ongoing responsibilities in relation to customer due diligence and we will tell you about any additional requirements.
Verification Required. We reserve the right to refuse to allow any User to use or participate in the Services if We are unable to obtain or verify information relating to identity or financial condition, such as identifying information for an Organization’s representatives or beneficial owners. Notwithstanding any steps that We take to verify the information provided to Us, You represent and warrant that all information You provide is complete, truthful, accurate, and up-to-date.
Review of Accounts. You grant to Us and TWIG reserves the right to review or place on hold any TWIG Account for any reason, including but not limited to compliance with applicable laws, such as anti-money laundering regulations. In Our sole discretion, TWIG may place a hold on a TWIG Account, a User, an Organization or Individual, or any related facts or circumstances. Depending on the results of this review, TWIG reserves the right to take any appropriate action, pending instructions from a government agency.
Reports. You acknowledge that We may make appropriate reports regarding Your financial transactions made through the Services, including but not limited to financial institutions, regulators, tax agencies and law enforcement authorities, as required or permitted by law, and
WE WILL COOPERATE WITH THE APPROPRIATE AUTHORITIES IN ANY RESULTING INVESTIGATION OR PROSECUTION.
Account Termination. TWIG reserves the right to suspend or terminate Your account or Your access to the Services at any time, for any reason (including for a violation of this Agreement, the failure to pay applicable Service Fees, or inactivity), in Our reasonable discretion, without any liability to You. If We suspend or terminate Your account or access to the Services, We will use commercially reasonable efforts to provide notice to You, but will not be required to do so.
Feedback. If You provide any feedback to TWIG concerning the functionality and performance of the Services (including by identifying potential errors and improvements), You agree to assign to TWIG all rights, title, and interest in and to such feedback, and TWIG is free to use such feedback without payment or restriction.
Right to Contact You. As permitted by law, Your use of or interaction with the Services provides
No Monitoring. You agree that the Services cannot guarantee the accuracy of information entered by Users. You acknowledge and agree that TWIG has no responsibility to monitor or police Your use of the Services, including but not limited to communications, information or data transmitted through the Services, such as User Data, and TWIG will not be responsible for the content of any such communications, data or transmissions. However, TWIG reserves the right, at all times, to review, retain and disclose any such information as necessary to ensure compliance with this Agreement or as required or permitted by law.
Your Right to Cancel. You can request to deactivate Your TWIG Account or cancel Your account at any time by e-mail at [email protected]. TWIG reserves the right to require up to 60 days prior notice of cancellation or User deactivation.
Your request to deactivate a User or to cancel Your TWIG Account will be effective on the date the request is processed.
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE TWIG SERVICE ARE PROVIDED TO YOU "AS-IS" WITHOUT ANY WARRANTIES, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. YOU ASSUME ALL RISK AS TO THE RESULTS AND PERFORMANCE OF THE SERVICES AND YOUR DEALING WITH ANY OTHER SERVICE USER. TWIG DOES NOT WARRANT THAT THE SERVICE IS COMPLETELY SECURE OR IS FREE FROM BUGS, INTERRUPTIONS, ERRORS, OR OTHER PROGRAM LIMITATIONS, OR THAT ALL ERRORS WILL BE CORRECTED. TWIG FURTHER DISCLAIMS ANY AND ALL WARRANTIES ARISING FROM THE COURSE OF DEALING OR USAGE OF TRADE. NO
ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM TWIG OR ELSEWHERE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. YOU UNDERSTAND AND AGREE THAT YOU USE THE SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN MATERIALS OR CONTENT THROUGH THE SERVICES AND ANY ASSOCIATED SITES OR SERVICES, AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICES), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICES OR THE DOWNLOAD OR USE OF THAT MATERIAL OR CONTENT
Through the Services, You may access to third-party websites, databases, networks, servers, information, software, programs, systems, directories, applications, or products or services (collectively, Third-Party Services).
No Control Over Third-Party Services. TWIG does not have or maintain any control over Third-Party Services, and is not responsible for their content, operation, or use. By linking or otherwise displaying information from or providing access to any Third-Party Services, TWIG does not give any representation, warranty or endorsement, express or implied, with respect to the legality, accuracy, quality, or authenticity of content, information, or services provided by those Third-Party Services.
Disclaimer of Liability for Third-Party Services. You are solely responsible for taking the precautions necessary to protect Yourself from fraud when using Third-Party Services, and to protect Your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content and material that may be included on or may emanate from any Third-Party Services. TWIG disclaims any and all responsibility or liability for any harm resulting from Your use of Third-Party Services, and You irrevocably waive any claim against TWIG with respect to the content or operation of any Third-Party Services.
Third Party Disputes. TWIG IS NOT AFFILIATED WITH ANY OTHER TWIG USER, CARRIER, SERVICE PROVIDER, OR THIRD-PARTY SERVICE, AND ANY DISPUTE YOU HAVE WITH ANY OTHER TWIG USER, CARRIER, SERVICE PROVIDER, THIRD-PARTY SERVICE, OR OTHER THIRD PARTY ARISING FROM YOUR USE OF THE SERVICES, IS DIRECTLY BETWEEN YOU AND SUCH THIRD PARTY, AND YOU IRREVOCABLY RELEASE TWIG (AND OUR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, JOINT VENTURES, AND EMPLOYEES) FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH DISPUTES. TWIG WILL NOT, AND WILL NOT ATTEMPT, TO REVERSE OR OTHERWISE RECOVER ANY PAYMENT OR TRANSACTION THAT IS SUBJECT TO A BONA FIDE DISPUTE.
Limited Third-Party Rights to Enforce this Agreement. You acknowledge and agree that certain distributors of the Services, including but not limited to mobile app store providers, such as Apple, Inc. and Google Inc., are intended beneficiaries of this Agreement and have a limited right to enforce this Agreement directly against You. Other than as set out in this Section, this Agreement is not intended to grant rights to anyone except You and TWIG, and in no event shall the Agreements create any third-party beneficiary rights. No additional consents are required to exercise any rights to terminate, rescind, or agree to any variation, waiver, or settlement of this Agreement.
Mobile Applications. When You download the Mobile Application from the Apple App Store, the Google Play Store, or other authorized app store provider (collectively and individually, Mobile Provider) for use on a mobile device, You acknowledge and agree to that: this Agreement is between You and TWIG only, not the Mobile Provider, and the Mobile Provider is not responsible for the Services or the content thereof. The Mobile Provider has no obligation whatsoever to furnish any maintenance and support services with respect to the Services. You agree that TWIG, not the Mobile Provider, is responsible for addressing any claims by You or any third party relating to the Services or your possession and/or use of the Services. The Mobile Provider is not responsible for the investigation, defense, settlement and discharge of any third-party claim that the Services or Your possession and use of the Services infringes that third party’s intellectual property rights. You agree to comply with any applicable third-party terms when using the Services through a mobile app. TWIG requests from the user their personal information, including but not limited to the User’s first name, last name, email address, phone number, passport copy or any identity card and address with a proof of ID (Emirates ID and passport). TWIG verifies the collected information and the information received through the bank’s API.
TWIG SHALL IN NO EVENT BE LIABLE TO YOU, YOUR ORGANIZATION OR INDIVIDUAL, ANY USER, OR ANY THIRD PARTY IN CONNECTION WITH THIS AGREEMENT OR THE SERVICES, FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOSS OF INCOME, DATA, PROFITS, REVENUE OR BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, OR OTHER ECONOMIC LOSS, WHETHER OR NOT TWIG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER ANY CLAIM FOR RECOVERY IS BASED ON THEORIES OF CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY) OR OTHERWISE. TWIG WILL NOT BE LIABLE FOR ATTORNEYS’ FEES, EXCEPT AS REQUIRED BY LAW. NOTWITHSTANDING ANY OTHER PROVISIONS OF THIS AGREEMENT, IN NO EVENT SHALL TWIG’S AGGREGATE LIABILITY TO YOU, YOUR ORGANIZATION OR INDIVIDUAL, ANY USER, OR ANY THIRD PARTY IN CONNECTION WITH THIS AGREEMENT OR THE SERVICE EXCEED THE TOTAL FEES PAID BY YOU OR YOUR ORGANIZATION OR INDIVIDUAL TO TWIG IN THE TWELVE-MONTH PERIOD PRECEDING THE EVENT(S) THAT GAVE RISE TO SUCH LIABILITY, OR ONE HUNDRED USD ($100.00), WHICHEVER IS GREATER, REGARDLESS OF THE FORM OR THEORY OF THE CLAIM OR ACTION.
Each provision of this Agreement that provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is intended to and does allocate the risks between the parties under this Agreement. Each of these provisions is severable and independent of all other provisions of this Agreement. All limitations of liability, disclaimers of warranties, and exclusions of consequential damages or other damages or remedies will remain fully valid, effective and enforceable in accordance with their respective terms, even under circumstances that cause an exclusive remedy to fail of its essential purpose. SOME JURISDICTIONS DO NOT ALLOW
THE EXCLUSION OR LIMITATION OF DAMAGES, LIABILITY OR CERTAIN WARRANTIES IN CERTAIN CIRCUMSTANCES. ACCORDINGLY, SOME OF THESE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY.
You acknowledge and agree that you are required to: (a) complete all tax registration obligations and calculate and remit all tax liabilities related to your provision of services through TWIG as required by applicable law; and (b) provide TWIG with all relevant tax information if required.
By accepting these Terms, You agree to full liability and responsibility for Your use of the Services, and You will defend and indemnify TWIG and its officers, directors, employees, consultants, affiliates, subsidiaries and agents from and against every claim, liability, damage, loss, and expense, including reasonable attorneys' fees and costs, arising out of or in any way connected with: (a) Your violation of any portion of this Agreement, or any applicable law or regulation; (b) Your violation of any third-party right, including any intellectual property right, or publicity, confidentiality, other property or privacy right; or (c) any dispute or issue between You and any third party. We reserve the right, at Our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You (without limiting Your indemnification obligations with respect to that matter), and in that case, You agree to cooperate with Our defense of that claim
Agreement to Arbitrate. In the interest of resolving disputes between You and TWIG in the most expedient and cost-effective manner, You and TWIG agree that every dispute arising in connection with this Agreement will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. The Agreement to Arbitrate disputes includes all claims arising out of or relating to any aspect of this Agreement, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of this Agreement.
BY ENTERING IN THIS AGREEMENT, YOU AND TWIG ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT. YOU UNDERSTAND AND AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL BE ON AN INDIVIDUAL BASIS.
Waiver of Class Actions and Right to Trial by Jury. To the fullest extent permitted by law, You acknowledge and agree that You may bring claims against TWIG only in Your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
CLASS ACTIONS, CLASS ARBITRATIONS, REPRESENTATIVE ACTIONS, AND/OR CONSOLIDATION OF ACTIONS OR ARBITRATIONS ARE NOT ALLOWED. YOU AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION AND TO A TRIAL BY JURY.
Procedures. Any arbitration between You and TWIG will be settled in accordance with the Rules of Arbitration of the Dubai International Arbitration Centre – London Court of International Arbitration Centre (DIFC-LCIA).
Notice. If You intend to seek arbitration, You must first send a written notice (Notice) of Your claim or dispute to TWIG by e-mail at [email protected] (signature required). TWIG’s address for Notice is Unit 201, Gate Avenue – South Zone, DIFC, Dubai, UAE ATTN: LEGAL.
The Notice must describe: (a) the nature and basis of the claim or dispute; and (b) the remedy that You want (Demand). You and TWIG agree to make good faith efforts to resolve the claim directly, but if You and TWIG do not reach an agreement within 30 business days after the Notice is received, You or TWIG may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by You or TWIG must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any.
Fees. If You commence arbitration in accordance with this Agreement, the payment of fees related to the arbitration will be decided by the Rules of the DIFC-LCIA.
Location. The arbitration hearing will take place at a location to be agreed upon in the DIFC.
Severability. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this Agreement. If this Agreement to Arbitrate is found to be, in whole or in part, invalid or unenforceable, the remaining provisions of this Agreement will remain in effect, and, where this Section 18 cannot be enforced, You agree that the exclusive jurisdiction and venue described in Section 19 will govern any action arising out of or related to this Agreement.
Exceptions to Agreement to Arbitrate. Notwithstanding any other provision of Section 18, nothing in this Agreement will be deemed to waive, preclude, or otherwise limit the right to: (a) bring an individual (non-class, non-representative) action in small claims court so long as such action remains in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency, if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim
These Terms and all matters arising out of or relating to these Terms, including any disputes between You and TWIG, will be governed by the laws of the Dubai International Financial Centre, UAE, without regard to its conflicts of law provisions. To the extent that any dispute or action relating to this Agreement is permitted to be brought in a court of law, You agree that the legal action or proceeding will be brought exclusively in the courts located in the DIFC, UAE. Subject to the provisions of Section 19, You and TWIG agree to submit to the exclusive jurisdiction of and agree that venue is proper in the courts located in the DIFC.
Language. If TWIG provides a translation of the English language version of this Agreement, the translation is provided solely for convenience, and the English version will prevail.
Headings. The headings in this Agreement are for convenience only and have no legal effect.
Force Majeure. TWIG will not be liable for any delay or failure to perform any obligation related to the Services if the delay or failure is due to unforeseen events that are beyond TWIG’s reasonable control, such as strikes, blockade, war, terrorism, riots, natural disasters, epidemic, or governmental action.
Waiver. The waiver of any default or breach of this Agreement will not constitute a waiver of any other or subsequent default or breach. Except as otherwise stated in this Agreement, the exercise of any remedy under this Agreement will be without prejudice to other remedies available under this Agreement or otherwise.
Severability. In the event any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions of the Agreement will remain in full force and effect.
Compliance with Laws. You and TWIG each agree to comply with all applicable laws and regulations with respect to the Services and Your use of the Services.
No Agency. Nothing in this Agreement will be construed to create a partnership, joint venture, or agency relationship between You and TWIG.
Third-Party Beneficiaries. This Agreement is intended for the sole and exclusive benefit of You and TWIG, and is not intended to benefit any third party, except as otherwise stated.
Entire Agreement. This Agreement constitutes the complete and exclusive agreement between You and TWIG concerning the Services and supersedes all other agreements or understandings, written or oral, about the Services
TWIG reserves the right to modify or change this Agreement, as well as its policies relating to the Services, at any time, in Our sole discretion. TWIG will post revised Terms or policies on Our Website and App, and will provide notice to You of material changes to this Agreement. You will be deemed to have accepted and agreed to any revisions or changes to this Agreement at the time of (i) Your electronic acceptance of the revised, changed or new Agreement, or (ii) Your use of the Services after the effective date of the revised, changed or new Agreement. If the revised, changed or new Agreement is not acceptable to You, Your sole and exclusive remedy will be to stop using the Services and/or to cancel Your account as provided in this Agreement.