الشروط والأحكام

Last updated: 02/10/2026 05:22:07

1. Legal Agreement

You are entering into this agreement with Numou LTD, a company established under the laws of the Abu Dhabi Global Market ("ADGM"), with its registered office address at 15th Floor Al Khatem Tower, ADGM, Abu Dhabi, UAE (“Numou”).

The following pronouns, which include "we" or "us", refer to Numou LTD and its affiliates, and the terms "user" and the pronouns "you" and "your" refer to the users of the Numou Platform.

These terms and conditions of use ("Terms of Use") set out the terms on which Numou is willing to provide the Numou Platform to you, and which govern your access and use of the Numou Platform. Please read these Terms of Use carefully before you continue to access and use the Numou Platform. If you do not wish to be bound by these Terms you must not use or continue to access the Numou Platform.

By accessing and/or using the Numou Platform, you agree that you have read, understood, agree with, and will abide by, all the terms and conditions set forth in these Terms of Use, which are legally binding.

The Numou website is a lender marketplace digital platform (the "Numou Platform") for SMEs in the United Arab Emirates seeking to apply for business finance.

Please note that if you choose to proceed with a business loan through the Numou Platform, the finance provision will be subject to separate terms and an agreement that you will have to enter into with the relevant lender, and for which you should seek your own independent legal and/or financial advice. We do not provide legal, financial or other advice in relation to the products or services presented on the Numou Platform, and the Numou Platform and recommendations are impartial.

In particular, whilst know-your-customer ("KYC"), anti-money laundering ("AML") and customer due diligence measures are required to be conducted by our lenders, in connection with onboarding or financing applications facilitated through the Numou Platform, such activities are undertaken by the participating lenders pursuant to their own regulatory obligations. Accordingly, we do not ourselves undertake any regulated KYC/AML activities and our role will be limited to only collecting required documents to facilitate the lender process. For the avoidance of doubt, Numou does not act as a regulated financial institution and any regulated customer due diligence undertaken in connection with financing products is conducted by the relevant lender in accordance with its regulatory obligations.

The information and materials provided by the Numou Platform and any terms, conditions and descriptions that are provided are subject to change.

We reserve the right, without incurring any liability to you, to amend the Terms of Use (and any other Numou terms) without notice at any time. Updated versions of these Terms of Use will be available on the Numou Platform and will be effective immediately. You are responsible for regularly reviewing the Terms of Use, and your continued use of the Numou Platform following any amendments to the Terms of Use shall be deemed as your acceptance of any such modifications. If you do not accept or wish to be bound by the Terms of Use or any amendments thereto, you may not use the Numou Platform, or download or use any Numou Content. You are solely responsible for the use of the Numou Platform and the risks involved.

You are also responsible for ensuring that all persons who access the Numou Platform through your internet connection are aware of these Terms of Use (and any other applicable terms of service that we share with you from time to time), and that they comply with them.

We may transfer our rights and obligations under these Terms of Use to another organisation without notice.

If you breach these Terms of Use (or any other Numou terms that may be shared with, and become applicable, to you), we may take any action we deem appropriate, including denying you access to the Numou Platform, bringing legal proceedings against you, and disclosing information we deem necessary, or are otherwise required to disclose, to appropriate legal and/or regulatory bodies.

"Numou Content" means the text, forms, documents, data, information, photographs, video clips, graphics, questions and answers, contact data and all other material of whatever nature and in whatever form or format available on the Numou Platform, created by us or by third parties. For the avoidance of doubt, Numou Content does not include any data (including personal data) which you add or upload to the Numou Platform.

Any words following the terms "including", "include", "in particular", "for example" or any similar expression shall be construed as illustrative and shall not limit the generality of the relevant generic words.

2. Disclaimer and Risk Notice

(a) General Information

You understand and agree that no Numou Content on the Numou Platform constitutes a recommendation for any specific financing, investment, portfolio, transaction, or investment strategy, for you or any other person. Neither we, our information providers, affiliates, nor any third parties will offer personal advice regarding the suitability, advisability, or value of any particular financing, investment, portfolio, transaction, strategy, or related matter.

(b) Informational Purpose Only

The Numou Content available on the Numou Platform is for informational purposes only. Specifically, Numou Content does not represent advice, offers, solicitations, invitations, or recommendations to buy, obtain or enter into, any loans, securities, investments, or other financial products. Such materials should not be relied upon for making, or refraining from making, specific financial decisions. We strongly advise consulting an independent financial advisor before making any financial decisions.

You acknowledge that the prices, descriptions, and financial data provided on the Numou Platform are as provided by third parties for which those third parties are solely responsible. Numou does not verify or endorse, and shall not be deemed to have verified or endorsed, any such information and shall not be liable for any such information available on the Numou Platform. Further, such data and calculations are not guaranteed by these third-party sources, by us, or by any other entity, and may be incomplete or inaccurate. You agree that any calculations or profiles derived from this data are subject to potential errors.

(d) No Offer or Solicitation

Nothing on the Numou Platform constitutes an offer, solicitation, or distribution of investments or related services in any jurisdiction.

(e) Market Conditions and Numou Content Validity

Financial markets evolve constantly, and previously published Numou Content may become outdated. Such Numou Content should not be relied upon as current or accurate.

(f) Indicative Rates

Rates displayed on the Numou Platform are indicative and are provided by third-party lenders and are solely under the control of those lenders. Numou does not participate in, or have any role to play in the terms and conditions for any possible lending or borrowing activity conducted through the Numou Platform. We do not guarantee that any advertised rates will be available at any given time.

(g) Conflicts of Interest

You acknowledge that we, our affiliates, employees, or other connected parties may have interests, relationships, or arrangements material to a transaction you undertake on the Numou Platform, which could result in conflicts of interest. Unless required by law, we are not obligated to disclose such conflicts or provide an account of related interests to you. The services offered via the Numou Platform remain independent and unbiased, regardless of such potential interests or arrangements.

3. Privacy and Security

Our privacy policy ("Privacy Policy”) sets out how we and our partners and service providers (not including the lenders) collect, process and use your personal data. If you decide to purchase, engage, or make further queries about, a product or service through the Numou Platform, you will be directed to the product or service provider's website, and you acknowledge and agree that the personal data (and other information) you have provided may be passed to such providers to allow them to fulfil your request.

In the event of any inconsistency or conflict between a provision of these Terms of Use and a term of the Privacy Policy, the provision set out in the Privacy Policy shall prevail to the extent of such inconsistency or conflict. Also note that financial institutions (like our lenders) and other parties will have their own specific privacy policies detailing how they collect, process and use your personal data.

The Privacy Policy is governed by and is incorporated into the Terms of Use by reference (together referred to as the "Agreement"). Please refer to the Privacy Policy located at Numou.ae/Privacy for more details.

If your details change, remember that you need to update your Account so we can continue to accurately provide you with our services (you can also update your preferences there).

4. Links to other websites

The Numou Platform contains links (including browser extensions or similar applications) to websites (including social media platforms) operated by other organisations, and these websites should only be accessed if you agree to the Terms of Use. These links are provided for your ease only and you should not imply any endorsement by us of the products and/or services provided by the organisations who manage and provide these links.

How these websites are managed, and the contents of them, are determined by the organisations who operate them. Access to other websites may be subject to different terms and conditions to those which apply to your use of the Numou Platform. We do not accept responsibility or liability for the contents of any third party websites or applications, and do not make any representations about (nor do we endorse in any way) any materials or services available on or from such third-party websites or applications (including the login or provision of registration access). Such link or connection does not imply sponsorship by us, affiliation with us, or endorsement by us, of any third party or of any third-party website or application. We do not in any way guarantee that such links or communications (including browser extensions or similar applications) will be free from errors, inaccuracies or omissions, or that they will be suitable for any purpose.

Accessing third-party websites and content is entirely at your own risk.

5. Creating an Account

In order to use the Numou Platform features you are required to register with us by following the registration process. You may first be redirected to https://selfcare.uaepass.ae/ where you will be asked to either log in to, or create a UAE Digital Identity ("UAE Pass") account, by submitting data about yourself (including your name and email address).

Numou reserves the right to disable/delete any user account, whether chosen by you or assigned to you, at any time, if we reasonably believe that you have not complied with any provision of the Terms of Use (or any other terms applicable to you).

You must not share your Numou Platform password, PIN, one-time links, or any other verification codes we make available to you, with any third party.

If you know or suspect that anyone other than yourself knows your user identification code or password, you must notify us immediately by sending an email to: Support@Numou.ae.

6. Eligibility

Applicants wishing to request financing on the Numou Platform are requested to note the following:

(a) UAE business owners of any nationality can apply for financing solutions on the Numou Platform (please note that an Emirates ID account is mandatory to verify applicants wishing to register on the Numou Platform).

(b) Applicants wishing to register on the Numou Platform must be of legal age to enter into a legally binding contract under civil, commercial and personal laws applicable to such applicants.

(c) The Numou Platform is for small business finance only and the applicant must be either the sole business owner or have the relevant legal authority to apply for finance on behalf of the applicant company.

(d) Applicants will be required to upload all identification details of the shareholders of the applicant company.

(e) Applicants may be required to upload details of credit and financial positionings (not limiting to) audited financial statements, profit and loss statement, credit report bank statements in respect of the applicant company.

You acknowledge that the eligibility conditions set out herein are subject to change and registration of an application on the Numou Platform may be refused discretionally by us.

We do not carry out credit checks on you when you use the Numou Platform to find a financial product or service, however, our partners and service providers will refer to credit reference agencies to ascertain whether the applicant company is eligible for a particular product or service and that you meet their own eligibility criteria.

7. Submission of Information and Loan Application

Applications for finance on the Numou Platform will be subject to verification procedures and may be accepted or rejected at Numou's sole discretion and without any liability or any grievance procedures.

You must only use the Numou Platform for legitimate business financing purposes. Once you have created your Account, you will be asked to provide information about the applicant Company and the loan request, this will require information such as a copy of your trade licence and financial information (such as bank account details and any other information required). These information requests are designed to ensure that we and all relevant product or service providers and partners have all the information necessary to provide you with accurate, appropriate, and timely information relating to the products and/or services that may be suitable to you.

You must provide accurate and complete information when using the Numou Platform so that we, or our selected third parties, can provide appropriate options. All products or services, the level of funding and the amount you pay is largely determined by the answers you provide to the questions you are asked. If you fail to provide accurate responses to our questions:

(a) any product purchased or loan obtained may be void (meaning you may not receive or may need to return, any product or loan);

(b) you may have to pay additional fees to reflect any increased risk as a result of providing incorrect information; and/or

To purchase or obtain the majority of the products or services available on the Numou Platform you will be required to connect with the product or service provider directly. Some of these products and services can be purchased directly on the Numou Platform via selected third parties, however, where this occurs your contract for such relevant product or service will be directly with that product or service provider.

If we generate any renewal for you, you must check that the information within that quote is accurate and up to date before you purchase the product or service that quote relates to.

8. Personal Data and Sensitive Data

We and/or the assigned lender(s) may request other information from you in relation to the loan application. We will only process your personal data in accordance with our Privacy Policy

We reserve the right, but disclaim any obligation, to monitor content submitted by users of the Numou Platform, or to take any action to restrict access to material displayed or distributed through the Numou Platform in breach of the Terms of Use.

9. System Requirements

We deploy stringent information security controls and cybersecurity protection measures to mitigate risks of data loss, unauthorized access, and cyber attacks. However, we cannot guarantee that its systems will be entirely free from security breaches, malicious attacks, viruses, or other unforeseen vulnerabilities.

Numou currently does not guarantee minimum levels of operation or service with respect to the Numou Platform. The Numou Platform may be down for maintenance from time to time in accordance with the terms set out below. Depending on the update, you may not be able to use the Numou Platform (or any part of it) for a certain period of time. To the extent possible, users will be alerted about times of temporary outages prior to any Numou Platform updates.

10. No Warranties or Endorsements

The Numou Platform is provided subject to these Terms of Use and all other terms applicable to you, to the fullest extent permitted by law.

The Numou Platform and all Numou Content, materials, information, products, and services provided on or through the Numou Platform are offered on an "as is" and "as available" basis, without any warranties, representations or guarantees of any kind, whether express or implied.

We make no representations, warranties or guarantees, whether express or implied, that the Numou Platform and its Numou Content (or any part thereof):

(a) shall be always available, or available at all, or otherwise stored or saved;

(b) is true, reliable, complete, appropriate, current or accurate; or

We do not guarantee that any issues with the Numou Platform will be resolved or that any specific features will be available at all times.

11. Limitation of Liability and Compensation

Use of the Numou Platform and reliance on the Numou Content is entirely at your own risk, and we (and our affiliates) will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

(a) use of, or inability to use, the Numou Platform; or

(b) use of, or reliance on, any Numou Content.

In particular, we will not be liable for:

(a) loss of profits, sales, business, or revenue;

(b) business interruption;

(d) loss of business opportunity, goodwill or reputation; or

(e) any indirect or consequential loss or damage.

We nor any affiliate are responsible for any compensation, fees, penalty, or liability, whether direct, indirect, secondary, consequential, special, penal, punitive, or otherwise financial, nor for any loss of data or the disclosure thereof, or loss of reputation or goodwill (collectively, "damage") whatsoever, whether such damage was foreseeable or not, arising out of or related to the use of, or the inability to use, the Numou Platform or any reliance on the Numou Platform or the Numou Content. Your sole and exclusive legal remedy with respect to dissatisfaction with the Numou Platform and/or Numou Content is to stop using the Numou Platform and/or Numou Content.

We are not responsible for any loss or damage caused by any virus, distributed denial-of-service (DDoS) attack, or other technologically harmful material that may affect or infect your computer equipment, data, tablets, mobile devices, or other owned materials due to your use of the Numou Platform, your downloading of any Numou Content from the Numou Platform, your use or downloading of any information or materials from any other websites or applications linked to the Numou Platform, or due to any disclosure of such materials or data by any third party.

You agree to defend, indemnify, and hold us, our affiliates, and our officers, directors, employees, representatives, successors, assigns, and agents (and their licensors, advertisers, suppliers, and operational service providers) from and against any claims, expenses, costs, suits, demands, obligations, judgments, and settlements (including such reasonable legal fees) resulting or alleged to result from your use of the Numou Platform and/or the Numou Content and/or any breach of the Terms of Use.

We reserve the right to assume the exclusive defence and control of any demand, claim or action arising out of the Terms of Use or in connection with the Numou Platform and all settlement or conciliation negotiations. You agree to cooperate fully with us in the defence of any demand, claim, proceeding, and settlement or conciliation negotiation as required by us.

Neither we nor any of our affiliates are responsible for any Numou Content or services provided by you or any third parties nor for the Numou Content of any other websites or applications linked or connected to the Numou Platform.

We accept no liability for any omission or failure to store or transmit any Numou Content or other information saved or transmitted by the Numou Platform. We are not responsible for the accuracy or reliability of any information or Numou Content transmitted through the Numou Platform. We may, at any time, restrict or discontinue your use of the Numou Platform in whole (or any part thereof) at our sole discretion and without incurring any liability to you.

12. Intellectual Property Rights

We own or have permission to use all Intellectual Property Rights (defined below), information, data and copyright material pertaining to or contained on the Numou Platform and in the Numou Content. Those works are protected by copyright and other intellectual property laws and treaties around the world. All such rights are reserved. You must not use such information or copyrighted material unless you have written permission from us or the owner to do so.

You may download or copy the content (including Numou Content) and other downloadable items displayed on the Numou Platform to assist with a purchasing decision only, if you are not otherwise breaching these Terms of Use. You will not reproduce, convert, share, distribute, translate or provide any third-party access to any of the Numou Content made available on the Numou Platform, or any Numou Content we deliver to you, without our prior written consent. You must not modify the paper or digital copies of any materials received from the Numou Platform which you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of Numou Content on the Numou Platform must always be acknowledged.

You are not permitted to use any of our trademarks, service marks or trade names without our prior written consent.

Other than as set out above and other than when viewing the Numou Platform on your electronic device you are not granted any licence to use or view the Numou Content and Intellectual Property Rights contained on the Numou Platform.

In particular, you must not use any part of the Numou Content for commercial purposes (other than obtaining business financing for the applicant company) without obtaining a licence to do so from us or our licensors. You will not: (i) modify, display, distribute, reproduce, transmit, publish, sell, re-sell, adapt, reverse engineer, or create derivative works of the Numou Content and Intellectual Property Rights contained on the Numou Platform; or (ii) use the Numou Content and Intellectual Property Rights contained on the Numou Platform on other web sites or any media (e.g. social media) without our prior written consent.

If you violate any terms in this Section 12 (Intellectual Property Rights), your right to use the Numou Platform will cease immediately.

You retain ownership of all rights in the data and information that you upload or submit to the Numou Platform. You grant Numou a non-exclusive, worldwide, royalty-free licence to host, store, copy, process, use, transmit and disclose such data only to the extent reasonably necessary to operate the Numou Platform, provide the services requested by you, facilitate applications and transactions with relevant lenders and service providers, comply with applicable legal and regulatory requirements, and for the other purposes described in our Privacy Policy.

Numou may permit its authorised service providers and relevant financing or service partners to process such data solely to the extent necessary for those purposes and subject to appropriate confidentiality and data protection obligations.

This licence will continue only for so long as reasonably necessary for those purposes, including any period for which Numou is required to retain the data under applicable law or regulation. Nothing in this clause transfers ownership of your data to Numou. Personal data will at all times be processed in accordance with our Privacy Policy and applicable data protection laws.

We do not warrant or represent that the Numou Content of the Numou Platform does not infringe the rights of any third party.

"Intellectual Property Rights" means all inventions (whether patentable or not), patents, utility models, petty patents, registered designs, design rights, database rights, copyright and related rights, moral rights, semiconductor topography rights, plant variety rights, trademarks, service marks, logos, get up, trade names, business names, domain names, (in each case whether registered or unregistered) and including any applications for registration and any renewals or extensions of any of the foregoing, and, in each case, the goodwill attaching to any of the foregoing, rights to sue for passing off or for unfair competition, all know how, Confidential Information and trade secrets and any rights or forms of protection of a similar nature or having equivalent or similar effect to any of them which subsist anywhere in the world.

13. Implementation and Protection of Intellectual Property Rights

If we discover that you have used any Numou Content that is protected by Intellectual Property Rights in violation of the Terms of Use, we and any of our affiliates may take legal action against you, seek monetary damage, obtain a restraining order or any other remedy against you. You may also be obligated to pay legal expenses and costs.

14. Prohibition of Illegal or Prohibited Use

You agree not to use the Numou Platform and/or any Numou Content in any manner that is:

(a) illegal or for any illegal purpose;

(b) in any way contrary to the Terms of Use;

(c) fraudulent or malicious, for example, by hacking or introducing malicious code, including viruses or harmful data, into any of them or in any operating system; or

(d) unauthorised or in breach of local, federal or international laws or regulations.

We reserve the right at all times to cancel or restrict your access to the Numou Platform at our sole discretion and for any other reason whatsoever.

You will not do anything that affects the integrity or security of the Numou Platform, or cause, or may cause harm, damage or unreasonable inconvenience to us or other users' use of the Numou Platform.

15. Confidentiality Obligations

"Confidential Information" means all information disclosed or made available by one party to the other party in connection with the Numou Platform, which is not otherwise available on the Numou Platform, whether directly or indirectly (including via affiliates or advisers), and in whatever form (including orally). The "Discloser" means the party disclosing the Confidential Information and the "Recipient" means the party receiving the Confidential Information.

Confidential Information includes: (a) the fact that discussions and negotiations are taking place for the purpose of assessing, arranging and providing financing products to the applicant through the use of the Numou Platform ("Purpose") and the status of those discussions and negotiations; (b) any information that would be regarded as confidential by a reasonable business person relating to: (i) the business, assets, affairs, customers, clients, suppliers, or plans, intentions, or market opportunities of the Discloser; and (ii) the operations, processes, product information, know-how, designs, trade secrets or software of the Discloser; and (c) the existence and terms of the Agreement.

Confidential Information does not include information that: (a) is or becomes generally available to the public (other than as a result of its disclosure by the Recipient or its representatives in breach of this clause); (b) was available to the Recipient on a non-confidential basis before disclosure by the Discloser; (c) was, is or becomes available to the Recipient on a non-confidential basis from a person who, to the Recipient's knowledge, is not bound by a confidentiality agreement with the Discloser or otherwise prohibited from disclosing the information to the Recipient; or (d) the Discloser and Recipient agree in writing is not confidential or may be disclosed.

In consideration of the Discloser agreeing to disclose Confidential Information to the Recipient, the Recipient undertakes to the Discloser: (a) to keep all Confidential Information confidential, and to ensure that all Confidential Information is protected with appropriate security measures and a degree of care no less stringent than it would apply to its own confidential information; (b) not to use or exploit the Confidential Information in any way, except for or in connection with, the Purpose; and (c) to keep confidential the fact that the Confidential Information has been made available or that discussions are taking place between the Discloser and Recipient in connection with the Purpose, except as provided below.

The Discloser agrees that the Recipient may disclose its Confidential Information: (a) to its personnel and advisers on a need-to-know basis in connection with the Purpose, subject to appropriate confidentiality obligations being in place before any disclosure; (b) to the extent such Confidential Information is required to be disclosed by law, by any governmental or other regulatory authority or by a court or other authority of competent jurisdiction provided that, to the extent it is legally permitted to do so, it gives the other party as much notice of such disclosure as possible; (c) with the Discloser's prior written consent; and/or (d) where we are the Recipient, we may disclose Confidential Information to third parties (not being other applicants or competitors of the relevant applicant in the relevant market).

16. Trade/Business Sensitive Information

The Recipient acknowledges that some or all of the Confidential Information is or may be trade/business secret or other trade/business/price sensitive information and that the use of such information may be regulated or prohibited by applicable legislation including securities law relating to insider dealing or market abuse and undertakes not to use any Confidential Information for any unlawful purpose.

17. Monitoring

We reserve the right to collect and use non-personally identifiable information related to your use of the Numou Platform, including anonymous tracking, and informing third party statistical service providers about your activity on the Numou Platform. By using the Numou Platform, you consent to us collecting and using your technical information, including IP address, pages visited, clickstream, referral URLs, network, country of origin, authentication attempts, and cookies, to improve the Numou Platform and provide any services to you.

18. Cancellation of Use

We may, at our discretion, issue a warning, temporarily suspend, permanently suspend or cancel your access to and use of the Numou Platform without notice, for any reason, including breach of the Terms of Use or any other conduct that we deem unlawful or harmful to us or others. In the event of termination, you are no longer permitted to access or use the Numou Platform, and we will use any means available or necessary to enforce such termination.

19. Changes to the Numou Platform and Numou Content

We may update or change the Numou Platform sporadically (including all Numou Content) at any time. The Numou Content on the Numou Platform may not be up to date at any time and we are under no obligation to update it (or any part thereof). In no way do we warrant that the Numou Platform or any Numou Content will contain the latest updates, be free from errors, inaccuracies, omissions or be fit for any purpose.

20. Viruses

You are responsible for configuring your information technology, computer programmes and platform to access the Numou Platform. You should also use your own virus protection software.

You must not misuse the Numou Platform by knowingly uploading any content that contains a software virus, a "Trojan Horse" or any other computer code, file or programme that may alter, damage or interrupt the functionality of the Numou Platform or the hardware or software of any person who accesses the Numou Platform and you must take reasonable precautions to ensure that any such uploaded content is screened for such things.

You must not attempt to gain unauthorised access to the Numou Platform, the server on which the Numou Platform is stored or any server, computer or database connected to Numou Platform. You must not attack the Numou Platform via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you may commit a criminal offence under the Federal Decree-Law No. 34 of 2021 on Countering Rumours and Cybercrimes, as amended and/or under other laws. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Numou Platform will cease immediately.

21. Governing Law and Jurisdiction

The Terms of Use and your use of the Numou Platform shall be governed by and construed in accordance with the laws of the Abu Dhabi Global Market and the federal laws of the United Arab Emirates.

In the event of any dispute between you and us arising out of or in connection with the Terms of Use which cannot be settled amicably, the matter in dispute shall be referred for final settlement to the competent court in the Abu Dhabi Global Market.

22. Additional Legal Terms

If any provision of the Terms of Use are held by a competent authority to be invalid or unenforceable, the remaining provisions of the Terms of Use will not be affected and will remain valid.

If any provision of the Terms of Use is or becomes illegal, invalid, or unenforceable but would be legal, valid and enforceable if some part of it was deleted or modified, the term or partial term in question shall apply with such deletions or modifications as may be necessary to make the provision legal, valid and enforceable.

The Terms of Use will only apply as between us and you. Unless as otherwise stated in these Terms of Use no other person may benefit or rely upon these Terms of Use.

Nothing in these Terms will constitute an offer or promotion for services or products outside of the UAE.

When using other parts of the Numou Platform, other terms and conditions may apply.

All disclaimers, indemnities, and exclusions outlined in the Terms of Use shall remain in effect even after the Terms of Use are terminated. They will also continue to apply during any suspension or periods when the Numou Platform is unavailable for your use, regardless of the reason.

The Terms of Use, along with all related terms, policies, and referenced documents concerning the Numou Platform, constitute the entire agreement between you and us regarding your use of the Numou Platform and the services provided through it. The Agreement replaces any prior or concurrent representations, communications, or agreements, whether written or oral, between you and us. The Terms of Use are published in English. The English language shall be the binding and controlling language for all matters relating to the meaning or interpretation of the Terms of Use.

23. Notification of Numou Content that Can be Disputed and Deleted

If you wish to object to any Numou Content, we would kindly request you to contact us in writing by sending an email to Support@Numou.ae. Please ensure that the contested Numou Content is clearly identified and provide details indicating the basis of your objection and the action(s) you are asking us to take in relation to such Numou Content. Kindly provide your full contact details so that we can discuss the matter with you and take appropriate action in the event of any objection. We will take all reasonable measures to investigate objections, and if necessary, we will delete the relevant Numou Content. However, as indicated above, we are in no way responsible for any third-party service providers.

24. Contact Us

To contact us, please send your email to: Support@Numou.ae.

If you have a complaint about a product or service that you have purchased via the Numou Platform, then you should complain directly to the relevant product or service provider who supplies or supplied that product or service via their complaints procedure which can be found on their website. We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints.

25. Copyright