Terms of service.

Agreement to Terms

By accessing or using sgdconsult.com (the 'Site') or engaging SGD Consult ('we', 'us', 'our') for consultancy or research services, you agree to be bound by these Terms of Service. If you do not agree, you must not use the Site or our services.

Use of the Site

You may use the Site for lawful informational purposes only. You agree not to attempt to access any restricted area, interfere with the operation of the Site, or use it to distribute unlawful, harmful, or unauthorised content.

All content on the Site, including text, graphics, logos, and reports, is owned by SGD Consult or our licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Engagement Terms

Specific commercial engagements, including consultancy, research, and consultancy services, are governed by separate engagement letters or master service agreements signed by both parties. The terms in those documents take precedence over these general Site terms in case of conflict.

Information and Disclaimers

All content on this Site, including blog posts, insights, and downloadable reports, is provided for informational purposes only and does not constitute professional, legal, financial, or investment advice. You should not act on any information from the Site without seeking specific professional guidance.

While we make reasonable efforts to ensure information is accurate at the time of publication, we make no warranties regarding completeness, currency, or fitness for any particular purpose.

Billing and Payments

Engagements are billed in accordance with the schedule set out in the relevant engagement letter or master service agreement. SGD Consulting FZE supports invoicing in AED, GBP, and USD.

Charges processed via card payment will appear on the cardholder's statement as SGD CONSULTING FZE or a substantially similar identifier. Card payments are processed through our authorised payment service provider on a Payment Card Industry Data Security Standard compliant infrastructure. Card details are never stored on SGD Consulting FZE systems.

Refund and cancellation terms are set out in our Refund and Cancellation Policy at https://sgdconsult.com/refund.html and form part of these terms.

Country of Domicile

The United Arab Emirates is our country of domicile. SGD Consulting FZE is a Free Zone Establishment registered with the Ras Al Khaimah Economic Zone Authority (RAKEZ). All engagements and contractual relationships are governed by the laws of the United Arab Emirates unless explicitly agreed otherwise in writing in a specific engagement letter.

Sanctions and Restricted Jurisdictions

SGD Consulting FZE complies with the sanctions and counter-terrorist financing regimes applicable in the United Arab Emirates, including those administered by the UAE Central Bank, the UAE Ministry of Foreign Affairs, and the United Nations Security Council, and with the sanctions programmes of the United States Office of Foreign Assets Control (OFAC) and the United Kingdom Office of Financial Sanctions Implementation (OFSI) where applicable.

SGD Consulting FZE will not trade with, provide services to, or accept payments from individuals or entities located in OFAC-sanctioned countries or otherwise designated on UAE, UN, US, or UK sanctions lists. We will not provide services to any party engaged in activities prohibited under UAE law.

Limitation of Liability

To the fullest extent permitted by law, SGD Consult shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on its content. Our total liability for any direct claim arising from your use of the Site shall not exceed AED 500.

This limitation does not apply to fraud, gross negligence, or any liability that cannot be excluded under applicable law.

Third-Party Links

The Site may contain links to third-party websites for your convenience. We do not endorse and are not responsible for the content, privacy practices, or availability of any third-party sites.

Governing Law

These terms are governed by the laws of the United Arab Emirates. Any dispute arising from your use of the Site will be subject to the exclusive jurisdiction of the courts of Ras Al Khaimah, UAE.

Changes to These Terms

We may update these terms from time to time. The version date is shown at the top of this page. Continued use of the Site after changes constitutes your acceptance of the updated terms.

Contact

For any questions about these Terms of Service, contact us at info@sgdconsult.com.