General Terms and Conditions

1) Supplier Identification

These Terms & Conditions (“Terms”) govern all services and deliverables provided by:

2) Definitions

• Client / you: the person or entity purchasing Services.
• Consumer: a natural person purchasing for purposes outside their trade/business/profession.
• Business Client: any Client that is not a Consumer.
• Order: proposal, quote, checkout page, invoice, engagement letter, scope document, or written confirmation describing Services and fees.
• Services: management consulting and business consulting services (including calls, workshops, masterminds, done-for-you components, written summaries, and work papers), as described in the Order.
• Digital Content: downloads, templates, recordings, academy materials, and any content provided in digital form.
• Academy: GWS’s online learning environment and content library provided as part of the Services.

3) Scope of License / No Regulated Advice

3.1 Licensed activity. GWS operates in the UAE Mainland under a license covering management and business consulting only.

3.2 No legal, tax, or regulated financial advice. Nothing provided by GWS constitutes legal advice, tax advice, accounting/audit services, regulated financial or investment advice, or any other service requiring licensing/registration in any jurisdiction.

3.3 Referrals and connected parties. If you require legal/tax/audit or other regulated advice, GWS may refer you to (i) the connected company Globale Finanzstrategen and/or (ii) independent third-party professionals. Any such work is provided under a separate agreement between you and the relevant provider. GWS is not responsible for their services, conclusions, or outcomes.

3.4 No custody / no fiduciary role. GWS does not hold Client funds, does not accept deposits, and does not act as custodian, broker, dealer, trustee, fiduciary, or financial intermediary.

4) Contract Formation and Order of Precedence

4.1 A binding contract is formed when GWS (i) confirms your Order in writing (email sufficient), (ii) issues an invoice that you pay, or (iii) begins performance, whichever occurs first.

4.2 These Terms apply to all engagements unless explicitly replaced by a written agreement signed by both parties.

4.3 If there is a conflict between these Terms and an Order, the Order prevails to the extent of the conflict.

5) Services Delivery and Professional Standard

5.1 GWS will perform the Services with reasonable skill and care consistent with professional management/business consulting practice.

5.2 Services may be delivered online or in person, individually or in groups, as specified in the Order.

5.3 Any timelines are estimates unless expressly agreed as fixed deadlines in writing.

5.4 GWS may use qualified subcontractors to deliver parts of the Services while remaining responsible for overall performance.

6) Client Responsibilities

6.1 You must provide complete, accurate, and timely information required to perform the Services.

6.2 You remain solely responsible for all decisions, implementation, filings, disclosures, and compliance obligations in all relevant jurisdictions.

6.3 If delays or additional work arise due to incomplete/incorrect information, lack of cooperation, or changes in your objectives, GWS may adjust timelines and/or charge additional fees at the agreed rate (or a reasonable rate if none is stated).

7) Fees, VAT, Payment, No Subscription

7.1 Fees are as stated in the Order/invoice and are one-time unless expressly stated otherwise. There are no recurring subscription fees for Academy access under this model.

7.2 Fees are exclusive of UAE VAT unless explicitly stated as VAT-inclusive. Where required, VAT will be charged on invoices.

7.3 Payment is due immediately upon invoicing unless otherwise agreed in writing.

7.4 Bank charges, intermediary fees, and transfer costs are borne by the Client.

7.5 GWS may suspend Services and/or access to materials if payment is overdue.

8) Scheduling, No-Shows, Rescheduling

8.1 Calls, sessions, and meetings are scheduled as agreed.

8.2 Rescheduling requests should be made with at least 24 hours’ notice. GWS will use reasonable efforts to accommodate.

8.3 Missed appointments or cancellations with less than 24 hours’ notice may be treated as delivered and charged in full.

9) Deliverables, Written Work, Revisions, Acceptance

9.1 Deliverables may include written summaries, action plans, analyses, templates, and other work product described in the Order.

9.2 Unless otherwise stated in the Order, one reasonable revision round may be included for written deliverables. Additional revisions or scope changes are chargeable.

9.3 Deliverables are deemed accepted if you do not raise specific written material objections within 7 days after delivery.

10) Academy and Digital Content (Included Access)

10.1 Included access. As part of the one-time consulting engagement, the Client receives access to the Academy and Digital Content included in the Services. There is no separate academy fee and no fixed end date for access.

10.2 Availability and platform changes. Academy access is provided on an indefinite basis, subject to (i) ongoing availability of the platform and content, (ii) reasonable maintenance/outages, (iii) technical changes, and (iv) compliance with these Terms. GWS may update, reorganize, replace, or discontinue specific content, features, or delivery methods, provided that the overall educational/knowledge base nature of the Academy is maintained.

10.3 Personal access; no sharing. Login credentials, links, and Digital Content are personal to the Client. Sharing, reselling, publishing, uploading, or distributing content (in whole or part) is prohibited.

10.4 Security and misuse. GWS may suspend or terminate access if it reasonably believes credentials are shared, content is redistributed, or there is misuse or unauthorized access.

11) Masterminds, Group Sessions, Community Conduct

11.1 Participation requires respectful conduct. Harassment, hate speech, doxxing, threats, or disruptive behavior is prohibited.

11.2 GWS may remove participants and/or restrict access for serious or repeated misconduct, confidentiality breaches, or solicitation/spam. No refund is due in such cases.

12) Confidentiality

12.1 Each party shall keep confidential all non-public information received from the other party and use it solely for contract performance.

12.2 Confidentiality does not apply to information that is public without breach, independently developed, or lawfully obtained from a third party.

12.3 Disclosure required by law, regulation, court order, or competent authority is permitted.

13) Intellectual Property; License

13.1 All intellectual property rights in GWS methodologies, frameworks, templates, materials, Academy content, recordings, and Digital Content remain with GWS (or its licensors).

13.2 Upon full payment, you receive a non-exclusive, non-transferable, revocable license to use the materials internally for your own purposes.

13.3 You may not reproduce, resell, distribute, publish, sublicense, or make materials available to third parties without prior written consent.

14) Recording and Use of Likeness

14.1 Sessions may be recorded only with prior notice (or where technically inherent in the platform, with notification).

14.2 Unless expressly agreed otherwise in writing, recordings are provided solely for the Client’s internal use and may not be shared.

15) No Guarantees; Outcome Disclaimer

15.1 GWS does not guarantee results, approvals, timelines, profitability, funding success, tax treatment, legal outcomes, or any specific business outcome.

15.2 Any examples, scenarios, or projections are illustrative only and depend on factors outside GWS’s control.

16) Refund Policy (No Refunds) — With Mandatory Law Carve-Out

16.1 All sales are final. To the maximum extent permitted by law, refunds are excluded for Services, Academy access, and Digital Content, including where the Client does not attend sessions, does not use the Academy, or changes their mind.

16.2 Mandatory Consumer rights. If you are a Consumer, nothing in these Terms limits or excludes any mandatory rights or remedies that cannot be excluded under applicable law. Any clause will be applied to the maximum extent permitted by law.

17) Compliance, Sanctions, and Acceptable Use

17.1 You agree not to use GWS Services or materials for unlawful purposes, sanctions evasion, fraud, or activities that violate applicable law.

17.2 GWS may request reasonable information for compliance (including identity verification and source-of-funds/source-of-wealth explanations) and may refuse or terminate service if compliance concerns arise.

18) Suspension and Termination

18.1 GWS may suspend performance and/or access if (i) payment is overdue, (ii) there is misuse of content or credential sharing, (iii) the Client breaches these Terms, or (iv) there are compliance concerns.

18.2 Either party may terminate for material breach if the breach is not cured within 10 business days after written notice.

18.3 Upon termination for breach by the Client, all accrued fees remain payable and access rights may be revoked.

19) Limitation of Liability

19.1 To the maximum extent permitted by law, GWS is not liable for indirect, consequential, special, or punitive damages (including lost profits, lost opportunity, or reputational damage).

19.2 To the maximum extent permitted by law, GWS’s aggregate liability arising out of or related to the Services is limited to the fees actually paid by the Client under the relevant Order.

19.3 Nothing in these Terms limits liability for fraud, wilful misconduct, or any liability that cannot be limited under applicable law.

20) Indemnity

You shall indemnify and hold harmless GWS from third-party claims arising from (i) your misuse of deliverables, (ii) your unlawful acts, or (iii) your breach of these Terms (including unauthorized redistribution of content).

21) Force Majeure

Neither party is liable for delay or failure caused by events beyond reasonable control (including governmental measures, outages, war, civil unrest, epidemics, platform failures, or force majeure).

22) Data Protection and Privacy

22.1 GWS processes personal data in accordance with applicable UAE data protection requirements and GWS’s Privacy Policy (as published/updated).

22.2 You agree that communication may occur via email, messaging platforms, and video-conferencing tools as reasonably required to deliver the Services.

23) Governing Law; Jurisdiction; Language

23.1 These Terms and any dispute arising out of or in connection with them are governed by the laws of the United Arab Emirates, as applied in the Emirate of Dubai (excluding conflict-of-law rules).

23.2 The courts of Dubai (onshore) have exclusive jurisdiction, subject to any mandatory rules that cannot be excluded.

23.3 These Terms are drafted in English. If translated, the English version prevails.

24) Notices and Contact

24.1 Notices must be in writing and may be sent by email to the addresses used in the Order or as subsequently notified.

24.2 Notices to GWS shall be sent to hello [at] global-wealth.ae

25) Severability; Entire Agreement; Amendments

25.1 If any provision is invalid or unenforceable, the remainder remains effective and the invalid provision shall be replaced by a valid provision closest to the intended economic purpose.

25.2 These Terms and the Order constitute the entire agreement regarding the Services.

25.3 GWS may update these Terms for future engagements. Updates do not apply retroactively to already accepted Orders unless agreed in writing.