1. Agreement, Clickwrap Acceptance and Authority

These Platform Terms, Software Licence, Template Document Licence, Corporate Services Terms, HR ERP Terms, AML/KYC Customer Cooperation Terms, Data Processing Addendum, Privacy Notice and all incorporated terms govern access to and use of NKO Corporate Plus, NKOCorporatePlus.com, downloadable templates, HR ERP tools, corporate services, government filing support, immigration/visa support, licence renewal tracking, compliance checklists, support tickets and related services.

By creating an account, subscribing, renewing, clicking an acceptance box, requesting services, downloading templates, submitting corporate service instructions, submitting HR ERP requests or otherwise using the Platform, the Customer and each User agree to be legally bound by these Terms. The person accepting confirms that they are authorized to bind the Customer account holder and all Users invited to the account.

These Terms are intended for business customers. The Customer represents that it is subscribing for business, corporate, professional or organizational purposes and not as an individual consumer.

2. Platform Description, HR ERP and Corporate Services Scope

NKO Corporate Plus provides corporate data management, company record storage, licence and renewal tracking, reminders, compliance checklists, template document access, HR ERP functions, HR support ticketing, leave request logging, salary certificate workflows, corporate service request workflows, company formation assistance, immigration and visa request assistance, government permit request assistance, and related administrative support services.

NKO Legal FZE may, where separately requested and accepted, assist with company setup, free zone or mainland incorporation support, licence applications, immigration applications, visa applications, establishment card, labour, government portal, permit, renewal, amendment, cancellation, document attestation, corporate secretarial, PRO or similar corporate services. Any such services are subject to government authority discretion, customer eligibility, AML/KYC clearance, document completeness, payment of all fees and these Terms.

NKO Legal FZE does not guarantee that any authority, free zone, ministry, immigration department, government department, bank, notary, registrar, licensing body or other third party will approve, accept, process, issue, renew, amend or complete any application within any timeframe or at all.

3. Customer Responsibility for Information, Eligibility and Instructions

The Customer is solely responsible for the accuracy, completeness, lawfulness and timeliness of all information, instructions, documents, signatures, authorizations, employee data, shareholder data, UBO data, passport data, visa data, salary information, employment information, corporate records, government portal information and supporting documents provided to NKO Legal FZE.

NKO Legal FZE may rely on all Customer instructions and documents without independent verification. The Customer is solely responsible for ensuring that its shareholders, beneficial owners, managers, directors, employees, dependents, applicants, nominees and representatives are eligible for the requested corporate, immigration, licence, permit, HR or government services.

4. Government, Authority and Third-Party Fees; Price Increases

All government, authority, free zone, immigration, visa, labour, medical, Emirates ID, notary, translation, attestation, courier, bank, payment gateway, portal, typing center, insurance, third-party professional, regulator, licence, permit, renewal, penalty, fine, surcharge and similar fees are pass-through or reimbursable charges unless expressly stated otherwise in writing.

Any quote, invoice, estimate, platform price, package price or proposal may include estimated government or third-party charges based on information available at the time. Such fees may change without notice because they are set by government authorities, free zones, regulators or third parties outside NKO Legal FZE’s control. The Customer must pay any increase, surcharge, new fee, penalty, government charge, third-party charge or additional cost required to process, continue, amend, resubmit, complete or maintain a requested service.

NKO Legal FZE has no obligation to submit, continue, release, renew, amend, cancel, upload, collect, deliver or complete any application, government service, immigration service, corporate service or permit request unless all required NKO Legal FZE fees, government fees and third-party charges have been paid in cleared funds. Government and third-party fees are non-refundable once paid, submitted, reserved or incurred, even if an application is delayed, rejected, withdrawn, cancelled or not completed.

5. Corporate Services, Government Filings and Immigration Requests

The Customer appoints NKO Legal FZE, where accepted by NKO Legal FZE, to provide administrative support, document coordination, government portal submission assistance, liaison support and corporate service assistance for the Customer’s selected services. NKO Legal FZE acts as an administrative service provider and, where required, an authorized representative only to the extent expressly accepted for a specific request.

The Customer shall provide all powers of attorney, board resolutions, shareholder approvals, notarized documents, original documents, passport copies, photographs, Emirates ID copies, salary information, employment records, educational certificates, medical information, tenancy documents, business plans, UBO information, source of funds evidence and other materials requested by NKO Legal FZE or any authority.

Processing times, availability of appointments, portal functionality, authority requirements, security clearances, medical tests, immigration approvals, employment approvals and licence approvals are outside NKO Legal FZE’s control. NKO Legal FZE is not liable for delay, rejection, refusal, additional requirements, portal outages, authority policy changes, quota restrictions, eligibility issues, security clearance outcomes, medical fitness results, administrative holds or government decisions.

6. No Professional Advice and No Guarantee of Outcome

The Platform, templates, reminders, compliance checks, HR ERP workflows, corporate service workflows, government application support, immigration support and related communications are provided as administrative, informational and operational support only. They are not legal advice, tax advice, immigration advice, HR advice, AML advice, regulatory advice, accounting advice, financial advice or government advice.

The Customer must obtain independent legal, tax, immigration, accounting, employment, AML, regulatory and other professional advice before relying on any information, selecting a corporate structure, submitting an application, engaging employees, processing HR data, using a template or making legal or commercial decisions.

7. Template Document Licence

Subject to an active paid subscription, NKO Legal FZE grants the Customer a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to download editable Microsoft Word versions of templates solely for the Customer’s internal business use. The Customer must not resell, redistribute, publish, sublicense, upload to a competing platform, provide as a template library or otherwise commercially exploit the templates.

8. Subscription Fees and NKO Legal FZE Service Fees

Subscription fees and NKO Legal FZE service fees are separate from government and third-party fees unless expressly stated. Subscription fees are non-cancellable and non-refundable except where mandatory law requires otherwise or NKO Legal FZE expressly agrees in writing. Corporate service fees may be payable in stages and may become non-refundable once work has commenced or resources have been allocated.

9. Customer Content, HR ERP Data and Corporate Service Data

Customer Content includes all corporate records, employee data, HR records, leave requests, salary certificate requests, support tickets, visa and immigration information, shareholder information, UBO information, passports, identification documents, applications, government documents, uploaded files, notes, logs and instructions submitted to or generated through the Platform. The Customer retains ownership of Customer Content and grants NKO Legal FZE the rights necessary to host, process, transmit, store, back up, secure, analyze and use Customer Content to provide, improve, support, evidence and protect the services.

10. Data Protection Responsibilities

As between the parties, the Customer is responsible for determining the lawfulness of Customer Content and for providing notices, obtaining consents where required, establishing lawful bases, limiting data uploaded, managing user access and responding to its employees, applicants, directors, shareholders, dependents and other data subjects. NKO Legal FZE processes Customer Content in accordance with the Data Processing Addendum except where NKO Legal FZE acts as independent controller for account administration, billing, legal compliance, AML/KYC, sanctions screening, corporate-service administration, dispute handling, fraud prevention, security and statutory obligations.

11. AML, CTF, Sanctions and DNFBP Compliance

Where NKO Legal FZE provides corporate services, company formation support, nominee-free administrative support, government filing assistance, licensing assistance, visa/immigration services or similar services, NKO Legal FZE may be subject to UAE AML/CFT, sanctions and DNFBP obligations. NKO Legal FZE may maintain AML policies, procedures, controls, risk assessments, customer due diligence, enhanced due diligence, UBO verification, sanctions screening, ongoing monitoring, recordkeeping, training and suspicious activity reporting procedures.

The Customer is solely responsible for its own AML/CFT, sanctions, beneficial ownership, customer due diligence, source of funds, source of wealth, recordkeeping, screening, reporting and compliance obligations. The Customer shall promptly provide all information requested by NKO Legal FZE for AML/KYC, sanctions, beneficial ownership, risk assessment or regulatory purposes and shall ensure that such information is complete, accurate and not misleading.

NKO Legal FZE may refuse onboarding, delay processing, request enhanced due diligence, suspend services, decline a transaction, reject a corporate service request, terminate the relationship, retain records, report suspicious activity or refuse to disclose reasons where required or permitted by law or internal AML controls. NKO Legal FZE shall have no liability to the Customer for actions taken in good faith to comply with AML/CFT, sanctions, DNFBP or financial crime obligations.

12. Customer AML/KYC Representations

The Customer represents that neither it nor its beneficial owners, controllers, directors, managers, authorized signatories, related parties, applicants or funds are subject to sanctions, connected with money laundering, terrorism financing, proliferation financing, fraud, bribery, tax evasion, human trafficking, corruption, organized crime or other unlawful conduct. The Customer shall not use the Platform or services to conceal beneficial ownership, create misleading corporate records, evade sanctions, facilitate unlawful activity or misrepresent the nature of a business relationship.

13. Acceptable Use and Security

The Customer and Users shall not misuse the Platform, upload malicious code, scrape, reverse engineer, interfere with security, circumvent access controls, upload unlawful or excessive personal data, submit false applications, provide misleading documents, misuse government portals, impersonate any person or use the Platform for unlawful, fraudulent, misleading or high-risk purposes. The Customer is responsible for user permissions, password controls, access removal, MFA where available, staff training and all activity under its account.

14. Intellectual Property

NKO Legal FZE and its licensors retain all intellectual property rights in the Platform, software, interface, template library, policy library, workflows, databases, analytics, designs, content, trade names, know-how and related materials. No ownership rights are transferred to the Customer except the limited access and template licence expressly granted in these Terms.

15. Support, Service Changes and Authority Changes

NKO Legal FZE may modify, suspend, replace, remove or discontinue any feature, workflow, template, policy, service, corporate service, HR function, support channel, government service workflow or portal integration at any time. NKO Legal FZE may update service steps or request additional documents to reflect authority requirements, platform changes, legal changes or risk controls.

16. Suspension and Termination

NKO Legal FZE may suspend, restrict or terminate access, subscriptions, corporate service requests, HR ERP functions, template downloads or accounts immediately if it reasonably believes there is non-payment, breach, security risk, unlawful use, false information, data protection risk, AML/KYC risk, sanctions risk, corporate service risk, government authority risk, misuse of templates, abuse of support, reputational risk or legal risk. NKO Legal FZE may terminate any subscription, account, service request, corporate service or feature for convenience by notice.

17. Consequences of Termination

Upon termination, access to the Platform, templates, HR ERP data, support tickets, corporate service records, pending applications, downloads and services may cease. The Customer remains responsible for all fees, government charges, third-party costs, incurred expenses, chargebacks, penalties, filings, applications and obligations accrued before termination. NKO Legal FZE may retain records as required for legal, accounting, AML, compliance, dispute, evidence and regulatory purposes.

18. Disclaimers

The Platform, templates, policies, reminders, compliance checks, HR ERP features, support tickets, salary certificate workflows, corporate services, government filing support, visa support, permit support and all content are provided on an as-is and as-available basis. To the maximum extent permitted by law, NKO Legal FZE disclaims all warranties, conditions and representations, whether express, implied, statutory or otherwise, including merchantability, fitness for purpose, accuracy, completeness, compliance, uninterrupted availability and non-infringement.

19. Customer Indemnity

The Customer shall indemnify and hold harmless NKO Legal FZE, its affiliates, officers, employees, contractors and service providers from and against all claims, losses, liabilities, fines, penalties, government actions, authority rejections, tax claims, immigration issues, AML/KYC issues, data protection claims, employment claims, employee claims, UBO claims, sanctions issues, third-party claims, costs and expenses arising from Customer Content, Customer instructions, false or incomplete information, unlawful processing, misuse of the Platform, breach of these Terms, corporate service requests, government applications, AML/KYC failures or violation of law by the Customer or Users.

20. Limitation of Liability

To the maximum extent permitted by law, NKO Legal FZE’s total aggregate liability arising out of or relating to the Platform, subscriptions, templates, HR ERP, corporate services, immigration support, visa support, government filings, AML/KYC checks, data processing, support or these Terms shall not exceed the lower of the fees actually paid to NKO Legal FZE by the Customer for the affected paid service during the three months before the event giving rise to liability or AED 1,000.

To the maximum extent permitted by law, NKO Legal FZE shall not be liable for indirect, consequential, special, incidental, exemplary or punitive damages; loss of profit, revenue, goodwill, business opportunity, data, licences, visas, permits, approvals, savings or reputation; government delays; authority decisions; portal outages; third-party fee changes; penalties; missed deadlines; application rejections; or procurement of substitute services.

21. Dispute Resolution, Mediation and Arbitration

Before commencing a claim, the Customer must send a written dispute notice to NKO Legal FZE and allow 30 days for good-faith escalation. If unresolved, the parties shall attempt confidential mediation in Dubai for at least 30 days unless NKO Legal FZE elects to waive mediation.

Any dispute not resolved by escalation or mediation shall be finally resolved by confidential arbitration administered by the Dubai International Arbitration Centre under its rules. The seat and legal place of arbitration shall be Dubai, United Arab Emirates. The language shall be English. The tribunal shall consist of one arbitrator. The arbitration shall be conducted on documents only or expedited procedures where available and appropriate. The Customer must commence any claim within 12 months after the event giving rise to the claim.

NKO Legal FZE may, at its option, bring proceedings in any court of competent jurisdiction for payment collection, debt recovery, injunctive relief, misuse of templates, intellectual property infringement, confidentiality breach, account misuse, unlawful conduct, AML/KYC concerns, data-security threats, government-service issues or enforcement of arbitration awards. The Customer waives class, collective, representative and group claims to the fullest extent permitted by law.

22. Governing Law

These Terms and all non-contractual obligations arising from or relating to them are governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai, without regard to conflict-of-law rules. Mandatory rules of applicable government authorities, free zones, regulators and immigration authorities may also apply to specific corporate services and applications.

23. Changes to Terms

NKO Legal FZE may update these Terms and incorporated documents from time to time. Continued access to the Platform, renewal, use of services, download of templates or submission of service requests after the effective date of updated terms constitutes acceptance of the updated terms.

1. Scope and Appointment

This Corporate Services, Government Fees, Immigration and Permit Addendum forms part of the NKO Corporate Plus clickwrap terms between NKO Legal FZE and the Customer. It applies to all company formation, licence, free zone, mainland, immigration, visa, labour, permit, government portal, document coordination, PRO, renewal, amendment, cancellation, certificate, attestation and related corporate services requested through or in connection with the Platform.

NKO Legal FZE may accept or reject any service request in its sole discretion, including for AML/KYC, sanctions, eligibility, capacity, resource, legal, reputational, authority or risk reasons.

2. No Guarantee of Approval or Timeline

All government and authority outcomes are outside NKO Legal FZE’s control. NKO Legal FZE does not guarantee approval, availability, eligibility, issuance, renewal, processing time, appointment availability, portal uptime, medical fitness, security clearance, quota allocation, licensing suitability, immigration eligibility, bank acceptance or governmental acceptance of any application.

3. Customer Instructions and Documents

The Customer shall provide complete, accurate, current and lawful documents and instructions. The Customer is responsible for any rejection, delay, penalty, fine, fee, resubmission, cancellation or refusal resulting from incomplete, late, false, inconsistent, expired, illegible, inaccurate or misleading documents or instructions.

4. Government Fee Changes and Additional Costs

Government, free zone, immigration, labour, Emirates ID, medical, notary, translation, attestation, portal, courier, bank, authority and third-party fees are determined by third parties and may change without notice. The Customer must pay any additional fees, increases, penalties, fines, deposits, security amounts, third-party costs or expenses required for a requested service. NKO Legal FZE may pause or refuse work until cleared funds are received.

5. Refunds and Non-Refundable Charges

Government fees, authority fees, third-party fees and NKO Legal FZE service fees already incurred, reserved, submitted, allocated or worked on are non-refundable except where NKO Legal FZE actually receives a refund from the relevant third party and elects or is required to pass it through after deducting costs, bank fees and administrative charges.

6. Authority Requirements and Changes

Government authorities, free zones, ministries, immigration departments, labour departments and other agencies may change laws, policies, forms, document requirements, eligibility rules, fees, processing steps, portal rules or approval criteria at any time. The Customer is responsible for complying with all changed requirements and paying all associated costs.

7. AML/KYC Clearance as a Condition of Service

NKO Legal FZE’s obligation to provide or continue any corporate service is conditional on AML/KYC and sanctions clearance to NKO Legal FZE’s satisfaction. NKO Legal FZE may request enhanced due diligence, UBO documents, source of funds, source of wealth, business activity information, proof of address, corporate documents, identification, sanctions declarations and supporting evidence at any time.

8. No Tipping-Off and Regulatory Reporting

NKO Legal FZE may be prohibited from informing the Customer that suspicious activity has been identified or that a report, inquiry, review or regulatory interaction is being considered or made. NKO Legal FZE may refuse, delay or terminate services without giving detailed reasons where required or permitted by law, AML controls or regulatory expectations.

9. Customer Indemnity for Corporate Services

The Customer shall indemnify NKO Legal FZE against all losses, government fines, penalties, delays, authority costs, third-party claims, immigration consequences, data protection claims, AML/KYC issues, sanctions matters and expenses arising from Customer instructions, documents, eligibility, beneficial ownership, source of funds, business activity, employee or dependent information, government application submissions or breach of this Addendum.

10. Priority

If this Addendum conflicts with the general Platform Terms, this Addendum prevails for corporate services, government services, authority fee changes, immigration, visas, permits and related filings.

1. Scope and Role Allocation

This Data Processing Addendum applies where NKO Legal FZE processes personal data contained in Customer Content on behalf of the Customer through NKO Corporate Plus, including HR ERP data, employee records, leave requests, salary certificate workflows, corporate records, visa and immigration files, permit requests, government application support and support tickets.

For Customer Content, the Customer is the controller or equivalent decision-maker and NKO Legal FZE is the processor or service provider except where NKO Legal FZE processes data as an independent controller for account administration, billing, legal compliance, AML/KYC, sanctions screening, fraud prevention, security, corporate services administration, regulatory reporting, dispute handling or statutory recordkeeping.

2. Documented Instructions

NKO Legal FZE shall process Customer Content in accordance with these Terms, the Customer’s platform configuration, service requests, support tickets, corporate service instructions and lawful documented instructions. NKO Legal FZE may refuse instructions that appear unlawful, excessive, unsafe, inconsistent with the Platform, inconsistent with AML/KYC controls or inconsistent with authority requirements.

3. HR ERP and Corporate Services Data

Customer Content may include employee names, job titles, salary information, leave requests, salary certificate details, employment documents, passport and visa details, identification documents, immigration records, dependant information, medical appointment or status information, shareholder information, beneficial ownership information, licence records and government application materials. The Customer shall limit such data to what is necessary and lawful.

4. Security and Confidentiality

NKO Legal FZE shall implement reasonable technical and organizational measures appropriate to the nature of the Platform, including access controls, confidentiality obligations, secure hosting, backups, logging, incident response and administrative controls.

5. Subprocessors and Third-Party Recipients

NKO Legal FZE may use hosting providers, support providers, payment processors, security providers, communications tools, professional advisers, KYC providers and other service providers. Government authorities, free zones, immigration departments, labour authorities, medical centers, Emirates ID authorities, banks, regulators and other public bodies receiving application information are independent recipients and are not subprocessors of NKO Legal FZE.

6. International Transfers

Personal data may be processed or accessed from jurisdictions outside the Customer’s location. NKO Legal FZE shall use appropriate transfer safeguards where required by applicable law. The Customer authorizes transfers necessary for platform hosting, support, corporate services, government filings, AML/KYC checks and service delivery.

7. Data Subject Requests and Assistance

Taking into account the nature of the processing, NKO Legal FZE shall provide reasonable assistance for data subject requests, corrections, deletions, access requests and regulatory inquiries relating to Customer Content, subject to identity verification, technical feasibility, legal restrictions, retention requirements and payment of reasonable administrative charges where permitted.

8. Breach Notification

NKO Legal FZE shall notify the Customer without undue delay after becoming aware of a confirmed personal data breach affecting Customer Content, where notification is required by applicable law or reasonably appropriate. The Customer remains responsible for determining whether notification to data subjects, employees, regulators or authorities is required unless NKO Legal FZE is independently required to notify.

9. Return, Deletion and Retention

Upon termination or expiry, NKO Legal FZE may delete or return Customer Content in accordance with the Platform Terms. NKO Legal FZE may retain records required for legal, AML/KYC, accounting, regulatory, dispute, security, backup, evidence and compliance purposes.

10. Customer Indemnity

The Customer shall indemnify NKO Legal FZE for claims arising from unlawful Customer instructions, insufficient privacy notices, lack of lawful basis, excessive HR data, unauthorized employee data, improper immigration data, failure to obtain consents where required, unlawful disclosure to government authorities or breach of data protection obligations by the Customer.

1. Scope

This Privacy Notice explains how NKO Legal FZE collects and uses personal data in connection with NKO Corporate Plus, NKOCorporatePlus.com, subscriptions, accounts, templates, HR ERP workflows, support tickets, corporate services, government filing support, immigration and visa services, AML/KYC checks and communications.

2. Personal Data Collected

NKO Legal FZE may collect account data, contact data, billing data, identity documents, UBO information, sanctions/KYC information, passport and visa information, employee information submitted by Customers, HR tickets, leave requests, salary certificate information, corporate documents, government application materials, support communications, device data, usage logs, cookies and similar data.

3. Purposes of Processing

NKO Legal FZE may use personal data to provide the Platform, manage accounts, process subscriptions, provide HR ERP workflows, respond to support tickets, support corporate services, prepare or submit government applications, conduct AML/KYC and sanctions screening, comply with law, prevent fraud, secure the Platform, resolve disputes, maintain records and improve services.

4. Legal Bases and Roles

Depending on the context, NKO Legal FZE may process personal data to perform contracts, comply with legal obligations, pursue legitimate interests, protect rights, obtain consent where required or process data on Customer instructions as processor/service provider.

5. Disclosure Recipients

Personal data may be disclosed to hosting providers, payment processors, KYC/screening providers, professional advisers, support providers, group entities, regulators, courts, law enforcement, government authorities, free zones, immigration authorities, labour authorities, medical centers, Emirates ID authorities, banks and other recipients necessary for services or legal compliance.

6. International Transfers and Security

Personal data may be processed internationally. NKO Legal FZE applies reasonable technical and organizational safeguards and transfer measures where required by applicable law.

7. Retention

NKO Legal FZE retains personal data for as long as necessary for the purposes described, including platform services, corporate services, legal compliance, AML/KYC, immigration records, accounting, disputes, security, backups and statutory recordkeeping.

8. Rights and Requests

Individuals may have rights to request access, correction, deletion, restriction, objection, portability or withdrawal of consent depending on applicable law. Requests may be subject to identity verification, legal restrictions, Customer instructions where NKO Legal FZE acts as processor and retention obligations.

9. Cookies

The Platform may use cookies and similar technologies for authentication, security, preferences, analytics, performance, fraud prevention and service improvement.

10. Updates

NKO Legal FZE may update this Privacy Notice from time to time. Continued use of the Platform after publication of an updated version indicates acceptance where legally permitted.

1. Purpose and DNFBP Context

This AML, CTF, Sanctions and DNFBP Customer Cooperation Addendum forms part of the NKO Corporate Plus terms. It applies to Customer use of the Platform and to any corporate, company formation, licensing, immigration, government filing, template or support services provided by NKO Legal FZE.

NKO Legal FZE may be required or may elect to operate AML/CTF controls appropriate for a corporate service provider or other designated non-financial business and profession activities under UAE law and international best practice.

2. NKO Legal FZE AML Controls

NKO Legal FZE may maintain and apply AML/CTF policies, procedures, internal controls, enterprise risk assessments, customer risk assessments, customer due diligence, enhanced due diligence, beneficial ownership verification, sanctions screening, PEP screening, adverse media checks, ongoing monitoring, suspicious activity reporting, staff training, independent review, recordkeeping and regulatory cooperation procedures.

3. Customer Cooperation Obligations

The Customer shall provide all information, documents and declarations requested by NKO Legal FZE for AML/CTF, sanctions, DNFBP, beneficial ownership, risk assessment, source of funds, source of wealth, tax, corporate services, licensing, immigration or regulatory purposes. This includes documents for the Customer, shareholders, UBOs, directors, managers, signatories, authorized users, applicants, employees, dependents and related parties.

4. Customer AML Responsibility

The Customer remains solely responsible for its own AML/CTF, sanctions, customer due diligence, beneficial ownership, source of funds, source of wealth, transaction monitoring, suspicious activity reporting, recordkeeping, risk assessment, policies and procedures obligations. Use of the Platform does not transfer the Customer’s AML obligations to NKO Legal FZE.

5. Risk-Based Refusal and Service Restrictions

NKO Legal FZE may refuse onboarding, decline a transaction, reject a service request, delay processing, suspend an account, terminate services, freeze processing, require prepayment, request enhanced due diligence or refuse to provide reasons if NKO Legal FZE identifies AML/CTF, sanctions, regulatory, reputational, fraud, beneficial ownership, immigration, government or financial crime concerns.

6. Customer Representations

The Customer represents that all funds are from lawful sources; all UBO and control information is true and complete; no relevant party is sanctioned or acting for a sanctioned party; no transaction is intended to conceal ownership or unlawful activity; and all business activities are lawful and accurately described.

7. Suspicious Activity and No Liability

NKO Legal FZE may retain records, make reports, share information with authorities, respond to regulator or law enforcement requests, and refuse to complete transactions where NKO Legal FZE considers it appropriate. NKO Legal FZE shall have no liability for good-faith compliance with AML/CTF, sanctions, DNFBP or financial crime controls.

8. Records and Retention

NKO Legal FZE may retain AML/KYC and service records for the period required or advisable under applicable law, regulatory expectations, internal compliance procedures, dispute management, evidentiary needs and audit requirements.

9. Indemnity

The Customer shall indemnify NKO Legal FZE against all claims, losses, penalties, costs, regulatory actions, delays, filings, damages and expenses arising from the Customer’s breach of AML/CTF, sanctions, beneficial ownership, source of funds, government filing or financial crime obligations.

1. Escalation Requirement

A Customer must not commence proceedings unless it first sends a written dispute notice to NKO Legal FZE describing the dispute, relief requested and supporting facts. Senior representatives shall have 30 days to attempt resolution in good faith.

2. Mediation

If escalation fails, the parties shall attempt confidential mediation in Dubai for at least 30 days unless NKO Legal FZE elects to waive mediation or the dispute concerns urgent relief, non-payment, misuse, confidentiality, IP, security, AML/KYC or unlawful conduct.

3. Binding Arbitration

Any dispute not resolved by escalation or mediation shall be finally resolved by confidential arbitration administered by the Dubai International Arbitration Centre under its rules. The seat and legal place of arbitration shall be Dubai, United Arab Emirates. The language shall be English. The tribunal shall consist of one arbitrator.

4. Expedited and Documents-Only Procedure

The parties agree that the tribunal may adopt expedited, documents-only or remote procedures where appropriate, taking into account claim value, urgency, complexity and efficiency.

5. Carve-Outs for NKO Legal FZE

NKO Legal FZE may bring proceedings in any court of competent jurisdiction for payment collection, debt recovery, injunctive relief, account misuse, data-security threats, confidentiality breach, IP infringement, template misuse, unlawful conduct, AML/KYC issues, sanctions concerns, government filing issues or enforcement of awards.

6. Claim Limitation and Class Waiver

To the fullest extent permitted by law, any Customer claim must be commenced within 12 months after the event giving rise to the claim. Claims must be brought individually and not as class, collective, representative or group proceedings.

7. Confidentiality and Costs

All dispute proceedings, submissions, evidence, negotiations, mediation communications and arbitral awards shall be confidential except where disclosure is required by law or for enforcement. The tribunal may award legal costs and arbitration costs to the prevailing party.

8. Governing Law

This Addendum and all related disputes are governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai.