Conditions of Use

Kumbayja Investments Ltd. provides the information services presented here on the basis of these general Conditions of Use of the Kumbayja Investments Ltd. Website.
1. Delivery of information services and related guarantees
Information contained on these websites has been compiled by Kumbayja Holding Inc. in a conscientious and thorough manner applying the due diligence, and attains 97.5 % availability on a yearly average. The information given is non-binding. Kumbayja Holding Inc. provides no guarantee as to the results that can be obtained by using the information given, in particular with regard to its accuracy, currency and completeness, or in respect of whether the quality of information meets your needs and wishes. Any data and information presented on the websites of Kumbayja Holding Inc. should be considered as representing approximations. Information given is subject to changes in design and supply, to amendment of the terms and conditions of sale of new Packages, and to price changes. Information concerning prices and standard specifications, and relating to statutory, legal and tax rules and regulations and their effects, applies only to the United Arabic Emirates. The illustrations shown also include accessories and optional extras that do not form part of the standard specification. Some of the information provided in association with these services reflects the views of the Kumbayja management. Where such information relates to indications of future trends, events or circumstances, the fact is usually indicated by use of terms such as "expect", "plan", "intend", or such like. As future developments are subject to varying and frequently unforeseeable factors, no guarantee can be given as to the accuracy of statements made relating to such future trends, events or circumstances. The management will update any such statements at its own discretion. The economic data, rates, indices, prices, news, general market-related information etc. made available is provided solely as a source of information for visitors to the Kumbayja websites, and does not represent investment advice or any other form of recommendation. Where the websites present recommendations from scientists or analysts, Kumbayja Holding Inc. gives no guarantee of their efficacy, in particular also with regard to the accuracy and completeness of the assumptions and conclusions underlying the said recommendations. Please check all information before using it in any way. Binding information can only be provided in response to specific enquiries.
2. Services provided by partners
Some of the information services are provided by our partners. Please note that such services are subject to the terms and conditions of the partners concerned, and that the inclusion of links to their websites on the websites of Kumbayja Holding Inc. does not imply any recommendation or entail any guarantee. Kumbayja Holding Inc. is not responsible for such content. The providers concerned are not agents in performance of Kumbayja Holding Inc..
3. Links to third-party websites
The Kumbayja Holding Inc. websites include links to websites operated by third parties. Kumbayja Holding Inc. lays no claim to ownership of the websites of third parties accessible by way of links, and is not responsible for their content.
4. Permissible use of services
In using these websites you must respect the copyright, name and trade mark rights, and all other proprietary rights, of third parties. All Kumbayja Holding Inc. websites are protected for example, including the images, music and brand names, such as "Kumbayja", appearing on them. This also applies to the proprietary rights of our affiliate companies. Neither these websites nor the Conditions of Use attaching to them should be understood as representing a licence or as granting any other right to proprietary rights held by Kumbayja Holding Inc. You undertake not to misuse the services offered, in particular not to bypass any security measures implemented by the information services; nor to use any devices or run any applications which result in, or may result in, damage to the systems of Kumbayja Holding Inc. or malfunction of them, in particular as a result of modifications to the physical or logical structure of the servers or the network of Kumbayja Holding Inc. or of other networks; nor to integrate the information services, in whole or in part, into other Web content, whether private or commercial; nor to utilise the services for commercial profit.
5. Acceptance of cookies
When Kumbayja Holding Inc. places cookies on your computer, you can determine the extent to which cookies are enabled or disabled by means of settings on your computer (usually in your Web browser, such as Safari). Kumbayja Holding Inc. assumes that you agree to cookies being placed on your computer if your browser is set to allow them.
6. Security in transmission of messages to Kumbayja Holding Inc.
In view of the technical structure of the Internet, if you wish to send an e-mail from your private e-mail account to Kumbayja Holding Inc. you must take your own security precautions in order to maintain the confidentiality and integrity of your e-mail's content, by using standard commercially available encryption software for example.
If you wish to send an e-mail directly from the Kumbayja Holding Inc. contact zone, you should be aware that your data can be transmitted unencrypted and so no guarantee can be given as to the confidentiality and integrity of your e-mail's content.
7. Changes to the scope of performance and to the Conditions of Use
Kumbayja Holding Inc. reserves the right to expand or reduce the service provided, or modify its functionality, in whole or in part, at any time. The rapid development of the Internet makes it necessary for us to amend these Conditions of Use from time to time. Please refer to the latest applicable version of the Conditions of Use in this respect.
8. Choice of law
The use of services and these Conditions of Use are subject to United Arabic Emirates law, with the exception of the conflict of laws provisions contained in it.


Kumbayja Investments Ltd.
12A06 HDS Tower, Plot No. F2, Jumeirah Lakes Towers
P.O. Box 309074
Dubai, UAE 

Data Protection Declaration

We are pleased that you are visiting our websites and would like to thank you for your interest in our company, our products and our websites. Your privacy when using our websites is important to us. Consequently, we would ask you to take note of the following information:
1. Anonymous data collection
You may, as a matter of principle, visit the Kumbayja Holding Inc. websites without telling us who you are. We are notified merely of the name of your Internet Service Provider, the website from which you accessed our site, and which of our website pages you visit. This information is evaluated for statistical purposes. Your anonymity as an individual user is preserved.
2. Collection and processing of personal data
Personal details are only collected if you provide them to us, such as to execute a contract, in response to a survey, or when registering for personalised services.When you register for Kumbayja personalised services, provided you give your consent your registration details will be processed for the purposes of promotion and market research and to provide needs-oriented design of electronic services.
3. Use and distribution of personal data
Without your consent to other use, the personal data collected on the websites of Kumbayja Holding Inc. will be used only for contract execution and handling of your enquiries. Additionally, if you have given your consent, your data will also be used for promotional and market research purposes and for the design of needs-oriented electronic services from Kumbayja Holding Inc.. Any use of personal data for the delivery of tailored promotional offers will also be made only if you have given your consent.