1) Introduction

Welcome to www.ssp-in.com (the “Website”). These Terms & Conditions (“Terms”) govern your access to and use of the Website and any information, content, materials, features, or services made available through it (collectively, the “Services”). The Website is operated by SSP Investment & Consultancy FZCO (“SSP”, “we”, “us”, or “our”), a company incorporated in the United Arab Emirates (UAE). By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Website.
2) Who may use this Website
You must be at least the age of legal capacity in your jurisdiction to enter into binding contracts. If you use the Website on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms.
3) Nature of our Services (no guarantees; no fiduciary duty)
SSP provides business consultancy and related professional services. Information on this Website is general and for informational purposes only. We do not guarantee outcomes (e.g., regulatory approvals, financing, investment performance, or business results). Your use of the Website does not create a fiduciary duty.
4) Engagement terms take priority
If you engage SSP for paid services, the signed engagement letter, proposal, or service agreement (including scope, fees, timelines, deliverables, and responsibilities) will prevail to the extent of any conflict with these Website Terms.
5) Your responsibilities
You agree to use the Website only for lawful purposes and in compliance with applicable UAE laws and regulations; not misuse, copy, modify, reverse engineer, interfere with, or disrupt the Website or any related systems; not upload or transmit viruses, malicious code, automated scraping, or spam; and provide accurate, complete, and current information when contacting us or submitting forms.
6) Third‑party links
The Website may contain links to third‑party websites or resources. We are not responsible for, and do not endorse, such third‑party sites, content, products, or services.
7) Intellectual Property
All content on the Website (including text, graphics, logos, icons, images, audio, video, downloads, software, and layout) is owned by or licensed to SSP and is protected by applicable intellectual‑property laws. You may not reproduce, distribute, display, perform, create derivative works of, or otherwise exploit any content without our prior written consent.
8) No professional advice on the Website
The Website may discuss regulatory, legal, financial, or tax concepts. Such materials are not legal, financial, tax, or other professional advice. Obtain advice from qualified professionals based on your specific circumstances before acting.
9) Confidentiality & Privacy
We handle personal data in accordance with our Privacy Policy (as updated from time to time). Please do not send confidential or proprietary information through the Website unless requested during a formal engagement.
10) Disclaimers
To the maximum extent permitted by law, the Website and its content are provided “as is” and “as available”, without warranties of any kind, whether express, implied, statutory, or otherwise (including implied warranties of merchantability, fitness for a particular purpose, non‑infringement, availability, accuracy, or reliability).
11) Limitation of liability
To the maximum extent permitted by law, SSP, its affiliates, officers, employees, agents, and subcontractors will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of (or inability to use) the Website.
12) Indemnity
You agree to defend, indemnify, and hold harmless SSP and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your breach of these Terms, your misuse of the Website, or your violation of applicable laws or third‑party rights.
13) Suspension and changes
We may modify, suspend, or discontinue any part of the Website at any time without notice. We may also suspend or restrict your access if we believe you have breached these Terms or applicable law.
14) Amendments
We may update these Terms by posting a revised version on the Website with a new “Last updated” date. Your continued use constitutes acceptance of the revised Terms.
15) Governing law & jurisdiction
These Terms are governed by the laws of the United Arab Emirates. The courts of Dubai (non‑DIFC) shall have exclusive jurisdiction over disputes arising out of or in connection with these Terms.
16) Subscriptions, Cancellations & Refunds (UAE‑Compliant — No Refunds)
• Auto‑renewal. Monthly plans/retainers renew automatically until cancelled.
• Cancellation. You may cancel at any time; cancellation takes effect at the end of the current billing period. To avoid renewal, cancel at least 3 business days before the next billing date.
• No refunds / no credits. All fees are strictly non‑refundable and non‑creditable, including for partial months, inactivity, change of mind, market conditions, or dissatisfaction with strategy/performance.
• Sole remedy (non‑monetary). If we materially fail to deliver the core deliverables of your plan despite your timely cooperation, your sole remedy is re‑performance or a reasonable service extension (at our discretion). No cash refunds or service credits will be provided unless required by law or a competent authority.
• Chargebacks. You agree to notify us first and allow reasonable time for re‑performance before initiating any chargeback. Unjustified chargebacks may lead to suspension of services.
• Disclosures. We display auto‑renewal terms and the total price (including taxes/fees) at checkout and issue an electronic invoice after each charge. Our name, legal status, address, licensing authority and key service information are shown on the Website/checkout, and Arabic information is available as required.
• Mandatory rights. Nothing in this Section affects non‑waivable statutory rights under UAE consumer‑protection legislation.
17) Contact
For questions about these Terms, please contact: SSP Investment & Consultancy FZCO — Email: client-support@ssp-in.com — Registered in the United Arab Emirates.
18) Language
These Terms are provided in English. An Arabic version can be made available upon request. If a mandatory rule requires an Arabic version for consumers, both versions shall be made available; in the event of any inconsistency, the version required by law shall prevail.
19) Regulatory Status & No Financial Promotions
Unless expressly stated in a signed engagement and subject to applicable licensing, SSP provides general business consultancy and educational content only and does not provide regulated financial services, investment deals, or securities promotions. Nothing on the Website constitutes an offer, solicitation, or recommendation to buy or sell any security or financial product.
20) Force Majeure
We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, governmental actions, strikes or labor disputes, outages, failures of networks or communications, or other events of a similar nature.
21) General Provisions
Severability: If any provision of these Terms is found invalid or unenforceable, the remainder shall continue in full force and effect. No Waiver: Failure to enforce any provision is not a waiver. Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, acquisition, or reorganization. Entire Agreement: These Terms, together with any signed engagement letter, constitute the entire agreement regarding your use of the Website and Services and supersede prior understandings.