This Website is owned and operated by HGMS Ltd, a company incorporated in Abu Dhabi Global Market ("ADGM"), Office No. 106, located at Khatem Tower, WeWork Hub71, Al Maryah Island, Abu Dhabi Global Market Square, Abu Dhabi, UAE, pursuant to Licence No. 170031 issued by Financial Services Regulatory Authority for providing money services ("HGMS", "we", "us", or "our").
References to "HGMS Group" refer to HGMS Ltd and its affiliated group entities, which are separate legal entities.
The Website is provided solely for general informational purposes. The Website does not:
Nothing on this Website constitutes or should be construed as:
The availability of any products or services may be subject to applicable laws, regulatory requirements, and approvals and may vary by jurisdiction.
Any products or services offered by HGMS Group (including digital wallets, payment services, or other financial products) are governed exclusively by separate product-specific terms and conditions, which must be accepted by users within the relevant application or platform.
These Terms apply only to use of the Website and do not replace, amend, or override any product-specific terms.
The Website is not directed at persons in jurisdictions where access to or use of the Website or any referenced products or services would be unlawful or prohibited. You are responsible for ensuring that your access to and use of the Website complies with applicable laws in your jurisdiction.
All intellectual property rights in and to the Website and its content, including but not limited to text, graphics, logos, trademarks, service marks, icons, images, audio, video, software, layout, and design (collectively, the "Content"), are owned by HGMS or its affiliated entities and are protected by applicable intellectual property and proprietary rights laws.
Nothing in these Terms grants you any ownership rights in the Content. You are permitted to access and view the Website solely for your personal, non-commercial use.
You must not, without prior written consent:
Any unauthorised use may result in termination of access and legal action.
The Website is not directed at persons in jurisdictions where access to or use of the Website or any referenced products or services would be unlawful or prohibited. You are responsible for ensuring that your access to and use of the Website complies with applicable laws in your jurisdiction.
To the maximum extent permitted by applicable law:
This includes direct, indirect, incidental, consequential, special, or economic loss, whether arising in contract, tort, negligence, or otherwise, even if HGMS has been advised of the possibility of such loss.
Nothing in these Terms limits liability that cannot be excluded under applicable law.
The Website may contain links to third-party websites or resources not owned or controlled by HGMS.
Such links are provided for convenience only and do not constitute endorsement or approval. HGMS has no control over and accepts no responsibility for the content, availability, or practices of any third-party websites.
Your use of third-party websites is at your own risk and subject to their terms and policies.
Your use of the Website is subject to our Privacy Policy and Cookie Policy, which explain how personal data is processed and how cookies are used.
By continuing to use the Website, you acknowledge that you have read and understood these policies.
We may update these Terms from time to time. Any changes will take effect upon publication on the Website. Continued use of the Website constitutes acceptance of the revised Terms.
Any dispute, controversy, difference or claim, whether contractual or non-contractual, arising out of or in relation to these Terms shall be subject to the exclusive jurisdiction of the ADGM Courts. These Terms shall be governed by and construed in accordance with the law of ADGM.
For questions regarding these Terms, please contact: legal@HGMS.com