Terms of Service and Legal Conditions

By accessing or using services provided by Qarfina through Qarfina · Official Brand Website or associated platforms, you agree to be bound by these Terms of Service. These terms define the rights, responsibilities, and limitations governing your interaction with our corporate ecosystem, including informational, technical, and compliance-related resources.

Eligibility for use is restricted to individuals and entities that meet minimum age and jurisdictional requirements. You represent that you have the legal capacity to enter into binding agreements and comply with all applicable laws. Use of services is prohibited if you are located in a sanctioned jurisdiction or barred from participation under local regulations.

All content provided on Qarfina · Official Brand Website, including text, graphics, logos, and documentation, is the intellectual property of Qarfina or its licensors. Unauthorized reproduction, distribution, or modification is strictly prohibited. Limited use for personal, non-commercial purposes is permitted provided attribution is maintained and no implication of endorsement is created.

Our services are provided on an 'as-is' and 'as-available' basis. We make no warranties, express or implied, regarding functionality, availability, accuracy, or suitability for specific purposes. Users assume full responsibility for decisions made based on information obtained from our platforms.

Limitation of liability is explicitly stated: Qarfina, its affiliates, officers, directors, employees, and partners shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our services. This includes, but is not limited to, data loss, financial loss, or business interruption.

Indemnification requires you to hold harmless Qarfina and its representatives from any claims, liabilities, damages, or expenses resulting from your violation of these terms, infringement of third-party rights, or misuse of services. This obligation extends to legal fees and settlement costs incurred in defense of such claims.

Governing law and dispute resolution are subject to the jurisdiction specified in our legal entity documentation. Attempts to resolve disputes will first involve good-faith negotiation. If unresolved, matters may be submitted to binding arbitration or competent courts, depending on the nature of the claim and applicable legal frameworks.

Termination of access may occur at our discretion for violations of these terms, suspicious activity, or legal requirements. Upon termination, your right to use the services ceases immediately, and we reserve the right to delete associated data in accordance with our privacy policy.