Disclaimer

About Continental Group of Companies

Continental is a business name used by a number of Continental Group companies (“Continental”).

Continental Insurance Brokers LLC (Registration Number: 088) is regulated by the Central Bank of the UAE and licensed to conduct insurance brokerage activities. The registered head office is located at Office No 505, Level 5, Bay Square 11, Dubai, UAE and the branch office is located at Office 1104, 11th Floor Hamdan Street, (Hamdan & Salam Corner- Abdullah Darwish Building), Abu Dhabi, UAE.

Continental Financial Services LLC (Registration Number: 608026 & 20200000091) is regulated by the Securities and Commodities Authority (SCA), UAE and is regulated to conduct business activities of ‘Financial Analysis and Financial Consultation’ and ‘Product Promotion'. The registered head office is located at No 503, Level 5, Bay Square 11. Dubai, UAE.

CFS (DIFC) Limited (Registration Number: CL5696) is regulated by the Dubai Financial Services Authority (DFSA) and licensed to conduct the regulated financial services activities of ‘Advising on Financial Products’ and ‘Arranging Deals in Investments’. CFS is incorporated in the Dubai International Financial Centre (DIFC). The registered office is located at Unit 1102B, Level 11, Burj Daman, Dubai International Financial Centre, United Arab Emirates.

Continental Financial Services LTD (Registration Number: C117022438) is regulated by the Financial Services Commission (FSC), Mauritius and regulated to conduct business activities of ‘Financial Adviser (Unrestricted)’ and ‘Insurance Brokerage’. The registered head office is located at NG Tower, Cybercity, Suite 201, 2nd floor, Ebene, Mauritius.

Continental Financial Services SA (Registration Number: CHE-294.940.940) is regulated by the Association Romande des Intermédiaires Financiers (ARIF), Geneva and regulated to conduct business activities of ‘insurance brokerage’. The registered head office is located at Rue Francois, Versonnex 7, Level 1, Geneva 1207Geneva, 1207, Switzerland.

Juvo Wealth Limited (Registration Number: FB1330) is regulated by the Hong Kong Insurance Authority, Hong Kong and is regulated to conduct the business activities of ‘Insurance Brokerage’. Registered head office is located at Unit 17, Level 11, BOC Group Life Assurance Tower, 136 Des Voeux Road Central, Central, Hong Kong.

Important Disclaimers: -

User Consent

By accessing the Site, the User confirms that they understand and agree to be bound by the terms and conditions set out in this document (the Notice). Continental may change the terms and conditions set out in this Notice from time to time. Notification of any changes will be made by posting those changes on the Site. The amended terms and conditions will apply to a User’s use of the Site from the date they are posted. If a User does not agree with the terms and conditions, they should cease using the Site immediately. Certain provisions of these terms and conditions may be superseded by expressly designated legal notices or terms and conditions located on particular pages on the Site.

Data privacy

By accessing Continental’s digital platform (portal /website), you accept the “Privacy Policy”, which is available in the below link. If you do not agree to this Privacy Policy, do not proceed further to access services on Continental website

https://www.cfsgroup.com/links/privacy-policy/

Copyright Notice

Users are permitted to print and download extracts from the Site for their personal use only and on the following basis:

(a) no documents or related graphics on the Site are modified in any way;

(b) no graphics on the Site are used separately from the corresponding text; and

Unless otherwise stated, the copyright and other intellectual property rights in all material on the Site (including, without limitation, photographs and graphical images) are owned by Continental or its licensors. For the purposes of this Notice, any use of extracts from the Site for any purpose other than in accordance with this Notice is prohibited. If a user breaches any of the terms and conditions of the Site, the User’s permission to use the Site automatically terminates, and they must immediately destroy any downloaded or printed extracts from the Site.

Users may not reproduce (in whole or in part), modify, decompile, disassemble transmit or use for any commercial purpose whatsoever any information from the Site without Continental’s prior written consent.

Subject to the foregoing, no part of the Site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Continental’s prior written permission.

Any rights not expressly granted in these terms are reserved.

Third-Party Web Sites

Links to third-party websites are provided solely for the User’s convenience. If a User uses these links, they leave the Site. Continental has not reviewed all of these third-party websites and does not control and is not responsible for these websites or their content or availability. Continental does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If a User decides to access any of the third-party websites linked to the Site, they do so entirely at their own risk.

Cookies

A cookie is a small piece of data or message that is sent from an organisation’s web server to your web browser and is then stored on your hard drive. Cookies cannot read data off your hard drive or cookie files created by other sites and do not damage your system.

Continental uses cookies to monitor the performance of our website and to improve user experience. If you choose not to accept our cookies, some of the features of our site may not work as well as we intend.
Cookies are commonly used by websites to remember some aspect of your current or previous visit. This could include things like the choices you’ve made or preferences you’ve chosen during your visit. Websites commonly do this in order to improve or tailor your current and future visits to that site or other related sites.

One example may be when you visit a site that you have been to before; that site may use a cookie to check what information you’ve looked at previously to get an idea of the topics that may be of interest to you.

The information stored in a cookie can only be read by the website that placed the cookie or other sites that it has agreed to share information with.

Our policy on cookies

Our policy is to use cookies only to improve the way we do business with you or when they’re essential to the way the site works.
The types of activities we may use cookies for are:

To find out how people use our sites, such as how often they visit, which pages they go to, and which links they click on, so that we can improve our websites
To help us to provide relevant information, such as details of products, services and other information that you may be interested in

We do not use any cookies to store any personal data or other data that could be used to identify you as an individual.

How to turn off cookies

You can turn off cookies in your browser settings. If you turn them off, it is important to remember that you may not be able to use all of the services on our websites.

Collection and use of personal information

When you visit our website, make an enquiry or request information, you may be asked to provide some personal data such as your name, address, telephone number and e-mail address. In the event you decide to provide personal data, this policy will apply. An IP address is a number assigned to your computer whenever you access the internet. It allows computers and servers to recognise and communicate with one another. IP addresses from which visitors appear to originate may be recorded for IT security and system diagnostic purposes. This information may also be used in aggregate form to conduct web site trend and performance analysis.

We obtain personal information about you only if you choose to provide it, such as contact information to register for certain services. In some cases, you may have previously provided your personal information to Continental (if, for example, you are a former employee). If you choose to register or login to our web site through a third party single sign-in service (e.g., LinkedIn, Google, or Twitter), we may collect any information or content needed for the registration or log-in information that you permit the social media provider to share with us, such as your name and email address. Other information we collect may depend on the privacy settings you establish with your social media provider, so please review the privacy statement or policy of the applicable service.

Representation and Warranties: -

The information published on the Site is for information purposes only and should not be construed as advice;
should not be used for the purposes of any specific transaction and is not a recommendation of any specific product or service;
is subject to change without notice; and
maybe amended, updated or deleted at Continental’s sole discretion from time to time.

Whilst Continental takes all reasonable precautions to ensure that the information contained on the Site is complete, accurate and up to date (as at the date of publication), Continental makes no representations or warranties as to the reliability, accuracy or completeness of such information. All such warranties (whether express or implied) are excluded to the fullest extent permissible by law.

To the fullest extent permitted by law, no warranty (express or implied) is given as to the freedom of the Site from errors, defects, viruses or other malicious programs or macros.

Continental reserves the right to limit the User’s access to the Site for any other reason, including periodic maintenance.

Electronic communications are not secure and cannot be guaranteed to be error-free as they can be intercepted, amended, arrive late, incomplete, altered, lost or destroyed. Additionally, although Continental takes all reasonable and customary measures to ensure that outgoing electronic communication is free of virus infection, such infection remains a possibility. By communicating with Continental using electronic communications, the User is taken to accept these risks. It is agreed that Continental shall not be liable for any errors or omissions in the content of any electronic communication or for any loss or damage suffered by the recipient which arises as a result of its transmission. The contents of any electronic communication addressed to a person or entity that is a client of Continental is subject to Continental’s terms of business.

All messages sent to and from Continental or other members of its group companies may be monitored to ensure compliance with the group’s internal policies and for training purposes.

Any electronic communication sent through the website or any domain used or operated by Continental (including any attachments to such communications) is confidential. Such communications are intended solely for the use of the person or entity to whom they are addressed. In the event that an electronic communication is either intentionally or inadvertently misdirected to a person or entity other than the indicated recipient, it should be deleted.

Limitation of Liability

Without prejudice to any other provision contained in this Notice, Continental and its group companies and their officers, directors, employees, shareholders or agents, exclude all liability and responsibility for any amount or kind of loss or damage that may result to any User or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Site in any way or in connection with the use, inability to use or the results of use of, or any action taken in reliance on any information contained on the Site, any third party web sites linked to the Site or the material on such third party websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Site or your downloading of any material from the Site or any third party web sites linked to the Site.

Nothing in this Notice shall exclude or limit Continental’s liability for:

- death or personal injury caused by negligence;
- fraud; or
- misrepresentation as to a fundamental matter; or
- any liability which cannot be excluded or limited under applicable law.

If the User’s use of material on the Site results in the need for servicing, repair or correction of equipment, software or data, the User assumes all costs thereof.

Solicitation:

None of the information on this website in any way constitutes a solicitation, offer, opinion, or recommendation by Continental to buy or sell any security or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment.

Product availability and Suitability

The information provided on this website may include details about products and services offered by Continental. However, not all products or services may be available in every geographic location. The availability and suitability of products and services may vary based on the regulatory and legal requirements of each country or region. Some products may not be suitable for all clients or may not be offered in certain jurisdictions. It is the responsibility of the client or user to ensure compliance with the local laws and regulations of their jurisdiction. Clients are advised to verify the availability and suitability of products and services based on their specific geographic location.

Jurisdiction

Any dispute or claim arising out of or in connection with the Site shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre, and the courts of the Dubai International Financial Centre shall have exclusive jurisdiction in this respect.

Continental operates globally, having offices in other countries, including Mauritius, Switzerland and Hongkong. Each company is a separate legal entity, subject to the laws and regulations of the respective country in which it is incorporated or operates. In case of any dispute or claim arising out of or in connection with these offshore companies, the relevant laws of their respective countries will be applicable.

Changes to Disclaimer

Continental reserves the right to modify, amend, or update this disclaimer at any time without notice. Users are encouraged to review this disclaimer periodically.

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