NEXTPSP

Terms and Conditions

Introduction

Welcome to https://pspnext.com/ (the “Site”), owned and operated by NEXTPSP FZ-LLC.

Please read these Terms and Conditions carefully before using the Site.

By accessing the Site or using our services, you agree to be bound by the following Terms and Conditions and all terms and conditions incorporated by reference.

Terminology

The following terminology applies to these Terms and Conditions, Privacy Police, and any and all Agreements: “User”, “You” and “Your” refer to you, a person accessing the Site and accepting these Terms and Conditions.

The “Company”, “We”, and “Us” refer to NEXTPSP FZ-LLC.

Acceptance

You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you shall discontinue using the Site and and services provided by the Company.

Amendments

We reserve the right to amend these Terms and Conditions at any time without prior notice to you, and any such changes to these Terms and Conditions will supersede and replace any previous Terms and Conditions effective immediately upon posting on the Site.

Your continued use of the Site after posting changes to these Terms and Conditions will constitute your acceptance of such changes.

If you do not agree with any changes to these Terms and Conditions, you may terminate the agreement between you and us regarding the use of the Site as set out in these Terms and Conditions.

Privacy

You acknowledge that you have read the Privacy Policy published on the Site at https://pspnext.com/ as it may be updated from time to time, and hereby consent to the collection, use, disclosure and retention of your personal information for the purposes identified therein.

You also consent to our use of such personal information in accordance with applicable terms and conditions contained in the Privacy Policy, which is incorporated herein by reference and forms an integral part of these Terms and Conditions.

Please refer to our Privacy Policy for more information.

Intellectual Property Rights

Unless otherwise indicated, the Site is the proprietary property of the Company and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights laws.

The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

User Representations

By using the Site, you represent and warrant that:

– all registration information you submit is true, accurate, current, and complete;

– you will maintain the accuracy of such information and promptly update such registration information as necessary;

– you have the legal capacity and you agree to comply with these Terms and Conditions;

– you are not under the age of 18;

– you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise;

– you will not use the Site for any illegal or unauthorized purpose;

– your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

User Account, Password, and Security

If any of the services requires you to open an account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You are entirely responsible for maintaining the confidentiality of your login credentials. Furthermore, you are entirely responsible for any and all activities that occur under your account.

You accept and agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. The Company shall not be liable for any loss that you may incur as a result of someone else using your account and password, either with or without your knowledge. However, you shall be held liable for losses incurred by the Company or another party due to someone else using your account or password.

Prohibited Activities

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

– systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.

– make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.

– circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.

– engage in unauthorized framing of or linking to the Site.

– trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords;

– make improper use of our support services or submit false reports of abuse or misconduct.

– engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.

– interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.

– attempt to impersonate another user or person or use the username of another user.

– sell or otherwise transfer your account.

– use any information obtained from the Site in order to harass, abuse, or harm another person.

– use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.

– decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.

– attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.

– delete the copyright or other proprietary rights notice from any Content.

– copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.

– upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.

– upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).

– except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.

– disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.

– use the Site in a manner inconsistent with any applicable laws or regulations.

Third-Party Websites and Content

The Site may contain links to other websites (“Third-Party Websites”) as well as text, graphics, designs, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”).

Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content.

Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms and Conditions no longer govern.

You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party.

You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

Site Management

We reserve the right, but not the obligation, to:

– monitor the Site for violations of these Terms and Conditions;

– take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms and Conditions, including without limitation, reporting such user to law enforcement authorities;

– otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.

Term and Termination

These Terms and Conditions shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS AND CONDITIONS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS AND CONDITIONS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OF THE SITE OR DELETE YOUR ACCOUNT, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.

In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without any prior notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time.

We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors.

We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without any prior notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site.

Nothing in these Terms and Conditions will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

Governing Law

These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws, rules and regulations of Ras Al Khaimah Economic Zone Authority.

Dispute Resolution

Any legal action of whatever nature brought by either you or us (collectively, the “Parties” and individually, a “Party”) shall be commenced or prosecuted in the courts located in Ras Al Khaimah Economic Zone.

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms and Conditions brought by either Party, the Parties agree to first attempt to negotiate any dispute informally for at least 30 (thirty) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

If the Parties are unable to resolve a dispute through informal negotiations, the dispute will be finally and exclusively resolved in the courts of Ras Al Khaimah Economic Zone.

Corrections

There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Site, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

Disclaimer

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITE LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (4) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (5) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE.

Limitations of Liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.

Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of your use of the Site; breach of these Terms and Conditions; any breach of your representations and warranties set forth in these Terms and Conditions; or your violation of the rights of a third party, including but not limited to intellectual property rights.

Miscellaneous

These Terms and Conditions and any operating rules for the Site established by the Company constitute the entire agreement between the Parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the Parties with respect to such subject matter.

The section headings used herein are for convenience only and shall not be given any legal significance.

You shall not transfer or assign or sell any rights or obligations under these Terms and Conditions or otherwise grant any interest to a third party over your account without our prior written consent.

The Company reserves the right to transfer or assign these Terms and Conditions or any right or obligation under these Terms and Conditions at any time.

The Company has the right to change any of its third-party service providers without notice to User.

Unless the context otherwise requires, words in the singular shall include the plural and, in the plural, shall include the singular and a reference to one gender shall include a reference to the other genders.

Communication and Notices

You consent to receive communications from us either by e-mail or by notice posted on the Site as determined by the Company at its sole discretion. You further agree that any requirement that a notice, disclosure, agreement or other communication be sent to you by us in writing is satisfied by such electronic communication. We shall not be responsible for any automatic filtering you or your network provider may apply to communications we send to your e-mail address.

For any communications we will use the contact details you provided. Therefore, you shall immediately notify us of any change in the contact information.

All notices, instructions, requests, or other communications to be sent to us under these Terms and Conditions shall be in writing and shall be sent to [email protected]

All notices, instructions, requests, or other communications to you by us are deemed received:

– when we receive notification that an e-mail has been delivered to you;

– within one day after it has been published on the Site.

NEXTPSP

Main Services

Other Services

Platform

Personal Data processing principles

Terms of Use

These Terms and Conditions of Use (the “Terms of Use”) apply to the NEXTPSP DMCC, registered number DMCC170329, registered address: DMCC Business Centre Level No 1, Jewellery & Gemplex 3, Unit No: 4437, Dubai, United Arab Amirates (hereinafter referred to as “the Company/we/us/our”), web site located at https://pspnext.com/ , and all associated sites linked to http://wfacademy.pro by the Company (collectively, the “Site”).

BY USING THE SITE, YOU FULLY AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE, DO NOT USE THE SITE.

The Company reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to the Company, and is protected by copyright and trademark laws, and various other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Use, no part of the Site and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, Web site or other medium for publication or distribution or for any commercial enterprise, without the Company’s express prior written consent.

Your Use of the Site

You may not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. The Company reserves the right to bar any such activity.

You may not attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site by any illegitimate means.

You may not probe, scan or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to the Company on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or others.

By using this Site, you are agreeing to be bound by the following terms and conditions.

Disclaimers

The information on this Site is intended to furnish users with general information on matters that they may find to be of interest. While every effort has been made to offer current and accurate information, errors can occur.

THE COMPANY DISCLAIMS ALL LIABILITY AND RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT CONTAINED ON THIS SITE.

ALL CONTENT ON THE SITE AND ALL SERVICES PROVIDED THROUGH IT ARE PROVIDED “AS IS”, WITH NO GUARANTEES OF COMPLETENESS, ACCURACY OR TIMELINESS, AND WITHOUT REPRESENTATIONS, WARRANTIES OR OTHER CONTRACTUAL TERMS OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THIS SITE, THE VARIOUS SERVICES PROVIDED THROUGH THIS SITE, AND / OR ANY INFORMATION, SOFTWARE OR OTHER MATERIAL DOWNLOADED FROM THIS SITE, WILL BE ACCURATE, CURRENT, UNINTERRUPTED, ERROR-FREE, OMISSION-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER THE COMPANY NOR ANY OF OUR INFORMATION PROVIDERS WILL BE LIABLE FOR ANY DAMAGES RELATING TO YOUR USE OF THE INFORMATION PROVIDED HEREIN.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE COMPANY DISCLAIMS ALL LIABILITY TO YOU AND EVERYONE ELSE IN RESPECT OF THE CONTENT ON THIS SITE AND ALL SERVICES PROVIDED THROUGH IT, WHETHER UNDER ANY THEORY OF TORT, CONTRACT, WARRANTY, STRICT LIABILITY OR NEGLIGENCE OR OTHERWISE, AND WHETHER IN RESPECT OF DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR SIMILAR DAMAGES, EVEN IF THE COMPANY WAS ADVISED, KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.

YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES.

Indemnity

You agree to indemnify and hold the Company, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against the Company by any third party due to or arising out of or in connection with your use of the Site.

User Privacy

The Company’s policy is to respect the privacy of its users. The Company will not monitor, edit, or disclose any personal information about you or your use of the Site, including its contents, without your prior permission unless the Company has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of the Company; (3) enforce these Terms of Use; or (4) act to protect the interests of its members or others. For further details regarding your privacy, please see the Privacy Policy.

You agree that the Company may access your account, including its contents, as stated above or to respond to service or technical issues.

User Conduct

As a condition of your use of the Site, you warrant to the Company that you will not use the Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

Any unauthorized commercial use of the Site, or the resale of its services, is expressly prohibited.

You agree to abide by all applicable local, state, national and international laws and regulations and are solely responsible for all acts or omissions that occur under your account or password, including the content of your transmissions through the Site. By way of example, and not as a limitation, you agree not to:

Use the Site in connection with surveys, contests, pyramid schemes, chain letters, junk e-mail, spamming or any duplicative or unsolicited messages (commercial or otherwise).
Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful material or information.
Advertise or offer to sell or buy any goods or services for any non-personal purpose.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Create a false identity.
Transmit or upload any material that contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs.
Transmit or upload any material that contains software or other material protected by intellectual property laws, rights of privacy or publicity or any other applicable law unless you own or control the rights thereto or have received all necessary consents.
Interfere with or disrupt networks connected to the Site or violate the regulations, policies or procedures of such networks.
Attempt to gain unauthorized access to the Site through password mining or any other means.
Violate any applicable laws or regulations including, without limitation, laws regarding the transmission of technical data or software exported from Cyprus through the service.

The Company has no obligation to monitor any user’s use of the Site or retain the content of any user session. However, the Company reserves the right at all times to monitor, review, retain any information as necessary to satisfy any applicable law, regulation, legal process or governmental request.

Fees

Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees charged by or for the Company and applicable taxes in a timely manner with a payment mechanism associated with the applicable paid services/items of the Site. We reserve the right to change any fees at any time at our sole discretion. Any change, update, or modification will be effective immediately upon posting through the relevant services/items. Refunds may be available as described in our Delivery Policy.

Termination

We may terminate your access to any part or all of the Site and any related service(s) at any time, with or without cause, with or without notice, effective immediately, for any reason deemed appropriate by the Company. The Company has no liability to you for any such action.

If you wish to terminate your account, your only recourse is to discontinue the use of the Site, although we’ll be sorry to see you go. The Company shall have no obligation to maintain any content in your account or to forward any unread or unsent messages to you or any third party.

Modifications to terms of the Site

The Company reserves the right to change these Terms of Use or Policies regarding the use of the Site at any time and to notify you by posting an updated version of the Terms of Use on this Site. The Company can also add or remove functions, features, or requirements, and the Company may suspend or stop part of our services altogether at any time and at its sole discretion. Accordingly You are responsible for regularly reviewing the Terms of Use and other Policies. Continued use of the Site after any such changes shall constitute your consent to such changes.

General

These Terms of Use are governed by the laws of United Arab Emirates. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Company as a result of these Terms of Use or use of the Site. The Company ‘s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Company ‘s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by the Company with respect to such use. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Unless otherwise specified herein, the Terms of Use constitute the entire agreement between the user and the Company and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the Site. The section titles in the Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance.

PRIVACY POLICY

We are DMCC NEXTPSP Limited (“we”, “our”, “us”) and operate under the brand name of NEXTPSP.

We’re committed to protecting and respecting your privacy. If you have any questions about your personal information please chat with us through the Company website, or by emailing us at [email protected], or by writing to us at our Registered Office.

Cookies

We use cookies to distinguish you from other users of the App and the Site. This helps us to provide you with a good experience when you use the App or browse our Site and also allows us to improve the App and our Site. For detailed information refer to our Cookie Poliy

Information we hold about you
- Information submitted through our app or website; For example, when you sign up to the us and provide details such as your name, ID, selfie and address, or details we collect about how you use the app and website. There may be times when you give us ‘sensitive’ information, which includes things like your racial origin, political opinions, religious beliefs, trade union membership details or biometric data. We’ll only use this information in strict accordance with the law.

Details about your transactions with us; Including any cards and accounts you use.

Information about how you use your phone; for example, mobile network you use, your IP address or operating system and the setting on your phone

Information you give us permission to access on your phone; Things you give us explicit permission to see, like your address book, photos, geolocation and data from your camera.

Information from social networks or online accounts; Information from any accounts that you share with us.

How we use your information

To provide our services. We use it to:

Help us manage your account.
Track, analyse and improve the services we give you and other customers

To meet our legal obligations. We use it to:

Search your record at immigration and fraud prevention agencies.
Prevent illegal activities like money laundering, tax evasion and fraud.
Make responsible lending decisions, like offering you an overdraft. We make our decisions automatically using technology. We’ll tell you in the app once we’ve made this decision. You can opt out or ask for a manual review by email and via the app.

To exercise what’s known as our legitimate interests. This is when we use data for a reason which is in your and/or our interest, and which doesn’t involve overriding your privacy rights. We use it to:

Market products and services generally in app.
Search your record at credit reference agencies when you sign up (this is a ‘soft search’ and shouldn’t impact your credit score).

With your permission. We use it to:

Check your credit history if you apply for a credit product like an overdraft (this is a ‘hard search’, it might impact your credit score and chances of getting credit elsewhere).
Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you by email. You can always unsubscribe from receiving these if you want to, by email and via the app.

Who we share it with

we may share your personal information with:

Anyone who works for us when they need it to do their job
Any organisation which supports any of our services you use, when they need it to offer those services that include; Card producers and networks, credit reference agencies, Analytical Know your Customer (KYC) and Cyber security services providers, Customer “interface” providers, anyone who you give us explicit permission to share it with., Certain authorities that detect and prevent terrorism (including authorities outside the UK if one of your payments is processed through worldwide payment system.
We will also share it to comply with the Law; to enforce our Terms and Conditions or other agreements; or to protect the rights, property or safety of us, our customers or others.

How long we keep it

We keep your data as long as you are using our services, and for 6 years after that to comply with the law. In some circumstances, like cases of anti-money laundering or fraud, we may keep data longer if we need to and/or the law says we have to.

Your rights

You have right to:

Access the personal data we hold about you, or to get a copy of it.
Make us correct inaccurate data.
Ask us to delete, “block” or suppress your data, though for legal reasons we might not always be able to do it.
Object to us using your data for direct marketing and in certain circumstances “legitimate interests”, research and statistical reasons.
Withdraw any consent you’ ve previously given us.

Where we store your data

We might transfer and store the data we collect from you somewhere outside the European Economic Area (“EEA”). People who work for us or our suppliers outside the EEA might also process your data. We may share data with organisations and countries that: The European Commission say have adequate data protection; we have agreed standard data protection clauses with.

We will post any changes we make to our privacy notice on this page and, if they are signifiant changes we will let you know by email.

NEXTPSP

Terms and Conditions

NEXTPSP

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