These Terms of Business are intended to govern the business relations between Skwer Group (“Skwer Group”) and its clients (“Client”). and is made effective as of the date of your use of this website (“Site”) or the date of electronic acceptance. This Agreement set forth the general terms and conditions of your use of the Site and the services purchased or accessed through this Site (individually and collectively, the “Services”), and is in addition to (not in lieu of) any specific terms and conditions that apply to the Services.

Whether you are simply browsing or using this Site or purchase Services, your use of this Site and your electronic acceptance of this Agreement signifies that you have read, understand, acknowledge, and agree to be bound by this Agreement, along with the following policies and the applicable product agreements, which are in this website.

The terms “we”, “us” or “our” shall refer to Skwer Group. The terms “you”, “your”, “User” or “customer” shall refer to any individual or entity who accepts this Agreement, has access to your account or uses the Services. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits.

Skwer Group may, in its sole and absolute discretion, change or modify this Agreement, and any policies or agreements which are incorporated herein, at any time, and such changes or modifications shall be effective immediately upon posting to this Site. Your use of this Site or the Services after such changes or modifications have been made shall constitute your acceptance of this Agreement as last revised. If you do not agree to be bound by this Agreement as last revised, do not use (or continue to use) this Site or the Services. In addition, Skwer Group may occasionally notify you of changes or modifications to this Agreement by email. It is therefore very important that you keep your information current. Skwer Group assumes no liability or responsibility for your failure to receive an email notification if such failure results from an inaccurate email address.

This Site and the Services are available only to Users who can form legally binding contracts under applicable law. By using this Site or the Services, you represent and warrant that you are:

1. You have at least eighteen (18) years of age
2. Recognized as being able to form legally binding contracts under applicable law
3. You are not a person barred from purchasing or receiving the Services found under the laws of the United States or other applicable jurisdiction.

If you are entering into this Agreement on behalf of a corporate entity, you represent and warrant that you have the legal authority to bind such corporate entity to the terms and conditions contained in this Agreement, in which case the terms “you”, “your”, “User” or “customer” shall refer to such corporate entity. If, after your electronic acceptance of this Agreement, we find that you do not have the legal authority to bind such corporate entity, you will be personally responsible for the obligations contained in this Agreement, including, but not limited to, the payment obligations. We shall not be liable for any loss or damage resulting from Skwer Group’s reliance on any instruction, notice, document, or communication reasonably believed by Skwer Group to be genuine and originating from an authorized representative of your corporate entity. If there is reasonable doubt about the authenticity of any such instruction, notice, document, or communication, Skwer Group reserves the right (but undertakes no duty) to require additional authentication from you. You further agree to be bound by the terms of this Agreement for transactions entered by you, anyone acting as your agent and anyone who uses your account or the Services, whether or not authorized by you.

Subject to the terms and conditions of this Agreement and our other policies and procedures, we shall use commercially reasonable efforts to attempt to provide this Site and the Services on twenty-four (24) hours a day, seven (7) days a week basis. You acknowledge and agree that from time to time this Site may be inaccessible or inoperable for any reason including, but not limited to, equipment malfunctions; periodic maintenance, repairs, or replacements that we undertake from time to time; or causes beyond our reasonable control or that are not reasonably foreseeable including, but not limited to, interruption or failure of telecommunication or digital transmission links, hostile network attacks, network congestion or other failures. You acknowledge and agree that we have no control over the availability of this Site or the Service on a continuous or uninterrupted basis, and that we assume no liability to you or any other party with regard thereto.

You acknowledge and agree that you have the necessary rights and permissions to share all information necessary to provide the Services with Skwer Group. You acknowledge and agree that the Services may be provided by independent contractors or third-party service providers.

1. Your use of this Site and the Services, including any content you submit, will comply with this Agreement and all applicable local, state, national and international laws, rules and regulations.
2. You will not collect or harvest (or permit anyone else to collect or harvest) any User Content (as defined below) or any non-public or personally identifiable information about another User or any other person or entity without their express prior written consent.
3. You will not use this Site or the Services in a manner (as determined by Skwer Group in its sole and absolute discretion) that:
   • Is illegal or promotes or encourages illegal activity.
   • Promotes, encourages, or engages in child pornography or the exploitation of children.
   • Promotes, encourages, or engages in terrorism, violence against people, animals, or property.
   • Promotes, encourages, or engages in any spam or other unsolicited bulk email, or computer or network hacking or cracking.
   • Infringes on the intellectual property rights of another User or any other person or entity.
   • Violates the privacy or publicity rights of another User or any other person or entity or breaches any duty of confidentiality that you owe to another User or any other person or entity.
   • Interferes with the operation of this Site or the Services found at this Site.
   • Contains or installs any viruses, worms, bugs, Trojan horses or other code, files or programs designed to, or capable of, disrupting, damaging, or limiting the functionality of any software or hardware
4. You will not copy or distribute in any medium any part of this Site or the Services, except where expressly authorized by Skwer Group.
5. You will not modify or alter any part of this Site, or the Services found at this Site or any of its related technologies.
6. You will not access Skwer Group Content (as defined below) or User Content through any technology or means other than through this Site itself, or as Skwer Group may designate.
7. You will not re-sell or provide the Services for a commercial purpose, including any of Skwer Group’s related technologies, without Skwer Group’s express prior written consent.
8. You agree to provide government-issued photo identification and/or government-issued business identification as required for verification of identity when requested.
9. You are aware that Skwer Group may from time-to-time call you about your account, and that, for the purposes of any and all such call(s), you do not have any reasonable expectation of privacy during those calls; indeed you hereby consent to allow Skwer Group, in its sole discretion, to record the entirety of such calls regardless of whether Skwer Group asks you on any particular call for consent to record such call. You further acknowledge and agree that, to the extent permitted by applicable law, any such recording(s) may be submitted as evidence in any legal proceeding in which Skwer Group is a party.

www.skwergroup.com may contain links to third-party websites that are not owned or controlled by Skwer Group. These links are provided for your information only, we have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Skwer Group assumes no responsibility for the content, terms and conditions, privacy policies, or practices of any third-party websites. Accordingly, Skwer Group encourages you to be aware when you leave this Site or the Services found at this Site and to review the terms and conditions, privacy policies, and other governing documents of each other website that you may visit.

1. the accuracy, completeness, or content of this site,
2. the accuracy, completeness, or content of any sites linked (through hyperlinks, banner advertising or otherwise) to this site,
3. the services found at this site, or any sites linked (through hyperlinks, banner advertising or otherwise) to this site,
4. personal injury or property damage of any nature whatsoever,
5. third-party conduct of any nature whatsoever,
6. any unauthorized access to or use of our servers and/or all content, personal information, financial information or other information and data stored therein,
7. any interruption or cessation of services to or from this site or any sites linked (through hyperlinks, banner advertising or otherwise) to this site,
8. any viruses, worms, bugs, trojan horses, or the like, which may be transmitted to or from this site or any sites linked (through hyperlinks, banner advertising or otherwise) to this site,
9. any user content or content that is defamatory, harassing, abusive, harmful to minors or any protected class, pornographic, “X-rated”, obscene, or otherwise objectionable, and/or
10. any loss or damage of any kind incurred because of your use of this site, or the services found at this site, whether based on warranty, contract, tort, or any other legal or equitable theory, and whether Skwer Group is advised of the possibility of such damages.

1. Company Formation Service:

Where Skwer Group provides Company Formation Services the following shall apply:

• The Company Formation Service must be paid for in advance by the payment of the appropriate Fee and Disbursements.
• The Client shall provide all the relevant details and complete the relevant documentation for the formation of a new company.
• Skwer Group can perform the service of incorporating a Company for the Client, in the jurisdictions specified in the list available on the website. Skwer Group can also organize the supply, either by Skwer Group’s affiliated companies or third parties of Additional Services such as the supply of nominee directors, nominee shareholders, internet merchant account, company logo, company seal, company rubber stamp, power of attorney, notarization & apostille on documents. Affiliated companies mean, in relation to Skwer Group, a subsidiary or a holding company of Skwer Group or any other subsidiary of that holding company.

All Additional Services will be provided based on a specific agreement between the Client and the relevant provider of the Additional Services, except for seals, stamps, and logos, notarization & Apostille

2. Shelf Company formation:

If the Client wishes to utilise a Shelf Company, clause 7.1 shall apply except those references to the application for the formation of a new company shall mean that Skwer Group shall be notifying the Companies Registry as to the change in ownership, change of directors (and if applicable company secretary) and change of name (if any) of an already existing company.

3. Banking Facilities including Credit Cards and Charge Cards

Where TL arrange banking services for Client or Client Company the following shall apply:

Skwer Group is acting only as intermediary in relation to provision of banking facilities whether as part of Company Formation Services or on a personal basis. The Client accepts that Skwer Group makes no guarantee of being able to arrange such facilities and accepts that the arrangement of the same is subject to status and entirely at the discretion of the bank or other financial institution to whom introduced. The Client accepts that where Skwer Group has used reasonable endeavours to arrange banking, but the Client has been rejected by the bank for any reason whatsoever then TL shall be deemed to have provided the Service in relation to banking to the full satisfaction of the Client. To this clause, submission to two banks shall constitute reasonable endeavours.

The client hereby accepts that they have been advised to read and make themselves aware of the terms and conditions applied by any bank or other financial institution offering them a service and only to accept that offer of service if they are agreeable to operating any bank account or card in accordance with the terms and conditions being applied by the bank or other financial institution.

The operating and initial or other funding of opened accounts is entirely the Client’s responsibility and Skwer Group shall not be responsible for or involved in same.

4. Company Secretarial Services

Skwer Group will only provide company secretarial services where Skwer Group is appointed as company secretary to the Client or Client Company.

Where Skwer Group provide company secretarial services (Company Secretarial Service) for Client or Client Company the following shall apply.

The Company Secretarial Service:

• is supplied by Skwer Group for a period of one year, renewal on the anniversary of the date on which TL started to provide the Company Secretarial Services.
• requires the payment of the Fee for this Service in advance, except for Account Holders.
• is designed only for private limited companies formed in selected jurisdiction.

If the Client has chosen and paid for the Company Secretarial Service, then Skwer Group shall carry out the following tasks and services: –

• maintain and keep up to date the Client Company’s statutory register in accordance with instructions from Client.
• filing of the annual return.
• responding to enquiries received within 60 days of incorporation of the company from Registry.
• issuing share certificates in respect of subscriber shares; and
• issue reminders to the Client when filing dates will be due.

Skwer Group don’t carry out the following tasks and services, (except for Account Holders) unless the Client has paid the Fee for such Services:

• prepare board and shareholder resolutions.
• prepare and circulate minutes of meetings.
• prepare and circulate notices of board and shareholder meetings.
• file statutory notices (e.g. on change of registered office, company name, appointment and resignation of company officers etc.); and
• filing resolutions (including special resolutions).

The Company Secretarial Service does not include the appointment of TL as a company secretary of the Client Company. This is a separate Service for which the Client is required to pay a separate Fee.

During any period in which TL is providing the Company Secretarial Service for the Client Company, the Client authorises TL to make any required Application to any government or regulatory authority or other third party on behalf of the Client or the Client Company (as appropriate).

5. Anti-Money Laundering and Due Diligence

The Client shall provide Skwer Group with such information as Skwer Group considers necessary to ensure that the Company complies with applicable legislation on anti-money laundering and due diligence. The Client is responsible for ensuring that the information provided to Skwer Group is correct. The client also represents to Skwer Group that assets or funds introduced to a Company do not represent either directly or indirectly the proceeds of a crime or other illegal activity. To enable Skwer Group to meet its legal obligation, the Client shall keep Skwer Group fully and promptly informed of any changes in the beneficial ownership, shareholding, and officers of the company. Beneficial owners indicated by the Client shall sign a “form A” as requested in the Agreement. The client shall immediately inform Skwer Group of the nature of the activities of the company and seek Skwer Group’s prior written consent before making any material changes to those activities.

Until such time as the Client and any other party to the transaction (including directors or shareholders of the Client) as Skwer Group deem necessary have satisfactorily passed the MLR checks carried out by Skwer Group then Skwer Group shall not release any documentation relating to the Services to the Client.

If on completion of the MLR checks undertaken by Skwer Group, Skwer Group are unable to verify the identity of the Client or any other party to the transaction (including directors or shareholders of the Client) and the Client refuses or unreasonably delays in producing information to verify identity as requested by Skwer Group then Skwer Group reserve the right to treat the Client’s actions as a repudiatory breach of contract. In these circumstances any Fee paid by the Client to Skwer Group shall be retained by Skwer Group as damages for the Client’s breach of contract.

In the event that Skwer Group agree in its absolute discretion that the Client is entitled to a refund of Fees (in full or in part) then no refund of Fees shall be made until such time as the identity of the Client or any other party to the transaction (including directors or shareholders of the Client) as Skwer Group deem necessary to be subject to MLR checks, has been established to Skwer Group’s satisfaction.

1. Any time frame listed on this website for delivering service is calculated based on past activities during normal course of our business and presented only for illustration purpose. It shall not be understood as binding under any circumstances.Depending on specific services, time required for conducting service is calculated from the time when all following conditions are satisfied:
   • Full payment for services has been settled
   • Receive All documents required for delivering services in a complete and eligible manner.
   • For incorporation service, name check result has been released and approved for use to set up a new company.
   You understand that actual time required to deliver services might be extended or differ slightly from time listed on our website as unexpected events occur including but not limited to:
   • Natural disaster e.g., fire, flood, earthquake, or any force majeure cases.
   • Client, agent, or government system breakdown results in loss communication or negatively affect ability of any parties for conducting service.
   Under no circumstances, Skwer Group should hold responsible or liability for not conducting service in the time frame listed on our website.

1. You acknowledge and agree that your Payment Method may be charged by Skwer Group.
   
   

   (A) GENERAL TERMS

   In case you cannot provide adequately all documents required by Skwer Group which causes up to a 2-month suspension, both parties agree and acknowledge that all services are fully completed, and you do not have any rights to open a dispute as well as request refund of paid fees.You agree to pay all prices and fees due for Services purchased or obtained at this Site at the time you order the Services.Skwer Group expressly reserves the right to change or modify its prices and fees at any time, and such changes or modifications shall be posted online at this Site and effective immediately without need for further notice to you. If you have purchased or obtained Services for a period of months or years, changes or modifications in prices and fees shall be effective when the Services in question come up for renewal as further described below.Except as prohibited in any product-specific agreement, you may pay for Services by utilizing any of the following “Payment Methods”: (i) by Bank T/T transfer (ii) via debit/ credit card of the following card issuers: Visa, Master, American Express (as defined below).If for any reason Skwer Group is unable to charge your payment method for the full amount owed for the services provided, or if Skwer Group receives notification of a chargeback, reversal, payment dispute, or is charged a penalty for any fee it previously charged to your payment method, you agree that Skwer Group may pursue all available lawful remedies in order to obtain payment, including but not limited to, immediate cancellation, without notice to you, of any services registered or renewed on your behalf. Skwer group also reserves the right to charge you reasonable “administrative fees” or “processing fees” for:
   • tasks Skwer Group may perform outside the normal scope of its services,
   • additional time and/or costs Skwer Group may incur in providing its services
   • your noncompliance with this agreement (as determined by Skwer Group in its sole and absolute discretion).
   Typical administrative or processing fee scenarios include, but are not limited to
   • customer service issues that require additional personal time or attention.
   • recouping all costs and fees, including the cost of services, incurred by Skwer Group as the results of chargebacks or other payment disputes brought by you, your bank or payment method processor. These administrative fees or processing fees will be billed to the payment method you have on file with Skwer Group.
   Skwer group may offer product-level pricing in various currencies; however, transaction processing is supported only in USD (US dollars) and a select number of the currency options displayed on this site (“supported currency” or “supported currencies”). If the currency selected is a supported currency, then the transaction will be processed in the supported currency and the pricing displayed during the checkout process will be the actual amount processed and submitted to your bank for payment. If the currency selected is not a supported currency, then the transaction will be processed in USD and the pricing displayed during the checkout process will be an estimated conversion price at the time of purchase. In either case (whether the currency selected is a supported currency or not), if the transaction is processed in a currency that differs from the currency of your bank account, you may be charged exchange rate conversion fees by your bank. In addition, due to time differences between (i) the time you complete the checkout process, (ii) the time the transaction is processed, and (iii) the time the transaction posts to your bank statement, the conversion rates may fluctuate, and Skwer Group makes no representations or warranties that (a) the amount submitted to your bank for payment will be the same as the amount posted to your bank statement (in the case of a supported currency) or (b) the estimated conversion price will be the same as either the amount processed or the amount posted to your bank statement (in the case of a non-supported currency), and you agree to waive any and all claims based upon such discrepancies (including any and all claims for a refund based on the foregoing). In addition, regardless of the selected currency, you acknowledge and agree that you may be charged value added tax (“vat”), goods and services tax (“gst”), or other localized fees and/or taxes, based on your bank and/or the country indicated in your billing address section.
   
   

   (B) PAY BY BANK TRANSFER (T/T TRANSFER)

   By using Skwer Group’s Pay by Bank Transfer option, you can purchase Skwer Group Services using Telegraphic transfer (T/T) from your personal or business bank account to one of designated bank accounts of Skwer Group. In connection therewith, you agree to allow Skwer Group to debit the full amount of your purchase from your bank account.You acknowledge and agree that (i) Skwer Group reserves the right to decline a transaction for any reason (including, but not limited to, payments that fail to go through as a result of your Bank Account no longer existing or not holding available/sufficient funds) and (ii) in such event, Skwer Group shall not be liable to you or any third party regarding the same.
   
   

   (C) PAY BY DEBIT/ CREDIT CARD

   Skwer Group uses Stripe payment gateway to process your debit/ credit card transactions. By using Skwer Group’s Pay by Debit/ Credit card option, you can purchase Services using debit/ credit card of following card issuers: Visa, Master, American Express. In connection therewith, you agree to allow Stripe to debit the full amount of your purchase from your debit/ credit card.It is your responsibility to keep your Debit/ Credit card current and funded. You acknowledge and agree that (i) Stripe reserves the right to decline a transaction for any reason (including, but not limited to, payments that fail to go through as a result of your debit/ credit card no longer existing or not holding available/sufficient funds) and (ii) in such event, neither Stripe nor Skwer Group shall be liable to you or any third party regarding the same. If for any reason Stripe is unable to withdraw the full amount owed for your purchase, you agree that Stripe and Skwer Group may pursue all available lawful remedies in order to obtain payment.
   
   

   (D) CURRENCY CONVERSION

   We use USD (US Dollar) as listing currency for all our service prices.Complying with UAE Government requirement, the price of services and products must be converted into AED (United Arab Emirates dirham) for any payment made by Debit/Credit Card. Therefore, the amount you were charged for using our services is denominated in AED.For ease of use and comparison, we also offer all prices listed in 6 different currencies including: AUD, EUR, GBP, HKD, SGD and USD. Rates are derived from the mid-market rate, which is the mid-point between the “buy” and “sell” rates from global currency markets.The actual amount charged in your favoured/local currency might differs slightly from amount listed on our website as currency conversion rate by the time payment is made is determined by your bank and/or your card issuer.Your Credit card statement might show the amount in AED (United Arab Emirates dirham).This term only applies to Debit/Credit Card payment method.

This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, successors and assigns.

Nothing in this Agreement shall be deemed to confer any third-party rights or benefits.

Skwer Group makes no representation or warranty that the content available on this Site or the Services found at this Site are appropriate in every country or jurisdiction, and access to this Site or the Services found at this Site from countries or jurisdictions where its content is illegal is prohibited. Users who choose to access this Site or the Services found at this Site are responsible for compliance with all local laws, rules, and regulations.