Legal
Emtelaak Terms of Use
These Terms of Service (the "Agreement") explain the terms and conditions by which you may access and use the Products provided by Emtelaak, LLC (referred to herein as "Emtelaak", "we", "our", or "us"). The Product shall include, but shall not necessarily be limited to, emtelaak.com/contact, a website-hosted user interface (the "Interface" or "App"). You must read this Agreement carefully as it governs your investment in our Product. By accessing or using the Product, you signify that you have read, understand, and agree to be bound by this Agreement in its entirety. If you do not agree, you are not authorized to access or use any of our Products and should not use our Products.
To access or use any of our Products, you must be able to form a legally binding contract with us. Accordingly, you represent that you are at least the age of majority in your jurisdiction and have the full right, power, and authority to enter into and comply with the terms and conditions of this Agreement on behalf of yourself and any company or legal entity for which you may access or use the Interface. If you are entering into this Agreement on behalf of an entity, you represent to us that you have the legal authority to bind such entity.
You represent that your access and use of any of our Products will fully comply with all applicable laws and regulations, and that you will not access or use any of our Products to conduct, promote, or otherwise facilitate any illegal activity.
1. Our Products
1.1 The Platform.
EMTELAAK LLC (“EMTELAAK,” “we,” “our,” or “us”) provides a digital platform accessible through its website and mobile application (the “Platform”) that facilitates access to investment opportunities offered by third-party fund managers (the “unds”). The Platform enables individual users (“you,” “your,” or “Investor”) to explore, review, and invest in funds opportunities or underwriting by acquiring shares (the “Stakes”) in funds offered by our fund managers partners.
1.2 Other Products
We may from time to time in the future offer additional products, and such additional products shall be considered a Product as used herein, regardless of whether such product is specifically defined in this Agreement
1.3 Third Party Services and Content
When you use any of our Products, you may also be using the products, services or content of one or more third parties. Your use of such third party products, services or content may be subject to separate policies, terms of use and fees of these third parties, and you agree to abide by and be responsible for such policies, terms of use and fees, as applicable
2. Modifications of this Agreement or our Products
2.1 Modifications of this Agreement
We reserve the right, in our sole discretion, to modify this Agreement from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Agreement and by maintaining a current version of the Agreement at Terms of Use. All modifications will be effective when they are posted, and your continued accessing or use of any of the Products will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to this Agreement, you must immediately stop accessing and using all of our Products
2.2 Modifications of our Products
We reserve the following rights, which do not constitute obligations of ours: (a) with or without notice to you, to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products
3. Intellectual Property Rights
3.1 IP Rights Generally
We own all intellectual property and other rights in each of our Products and its respective contents, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, designs, and its "look and feel." Subject to the terms of this Agreement, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use our Products solely in accordance with this Agreement. You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of our Products for any purpose other than as expressly permitted pursuant to this Agreement. Except as set forth in this Agreement, we grant you no rights to any of our Products, including any intellectual property rights.
3.2 Third-Party Resources and Promotions
Our Products may contain references or links to third-party resources, including, but not limited to, information, materials, products, or services, that we do not own or control. In addition, third parties may offer promotions related to your access and use of our Products. We do not approve, monitor, endorse, warrant or assume any responsibility for any such resources or promotions. If you access any such resources or participate in any such promotions, you do so at your own risk, and you understand that this Agreement does not apply to your dealings or relationships with any third parties. You expressly relieve us of any and all liability arising from your use of any such resources or participation in any such promotions.
4. LICENSE; ACCESS TO THE SERVICES
4.1Subject to your full compliance with these Terms, Emtelaak grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services strictly for your personal, non-commercial use related to evaluating or participating in investment opportunities offered through the platform.
4.2As a condition of your use of the Services, you agree to provide only accurate, current, and complete information. You are solely responsible for ensuring that your access to and use of the Services complies with applicable laws and regulations and these Terms.
4.3Any rights not expressly granted to you in these Terms are reserved by Emtelaak and its licensors. This license does not include any resale or commercial use of the Services or their contents; any collection and use of listings or descriptions; any derivative use of the Services; or any use of data mining, robots, or similar data gathering and extraction tools without our express written consent.
4.4The term “Services” includes any functionality or features provided through Emtelaak’s web-based platform, mobile applications, widgets, extensions, or third-party applications (such as those available via the Apple App Store or Google Play), subject to the terms and conditions of those platforms and authorized providers.
4.5To access and use the Services, you are responsible for procuring and maintaining compatible hardware, software (updated to the most current version, if required), and a stable internet connection. Standard data and messaging rates from your telecommunications provider may apply. You acknowledge that the quality and availability of the Services may be affected by these technical factors, and Emtelaak does not make any guarantees or warranties regarding the compatibility, availability, or performance of your device in connection with the Services.
4.6To access certain features of the Services, including making investments or managing your portfolio, you must create a user account with Emtelaak. By registering for an account, you represent and warrant that:
- You are at least 15 years of age (or the age of legal majority in your jurisdiction, if higher);
- You have the full legal capacity and authority to enter into binding agreements, including investment-related agreements, and to be bound by these Terms;
- You are not prohibited under applicable Egyptian law or the laws of any other state from accessing or using the Services or engaging in investment activity;
- All information you provide during registration and throughout your use of the Services is accurate, current, and complete, and you will promptly update such information as necessary to maintain its accuracy;
- You are using the Services solely for personal investment purposes, and not on behalf of any third party unless expressly authorized by Emtelaak;
4.7Emtelaak reserves the right, in its sole discretion, to deny the creation of an account, suspend or terminate access, or restrict activity for any user who is found to have violated these Terms or any applicable law, or who poses a risk to the integrity of the platform or its investors.
4.8You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify Emtelaak immediately at support@emtelaak.com, if you believe your account has been accessed without authorization.
By creating an account, you agree to receive legally required communications, account notices, and administrative messages electronically, unless and until you withdraw consent in accordance with applicable law.
5. Your Responsibilities.
5.1You may use the Services provided by Emtelaak only for lawful purposes and strictly in accordance with these Terms. We are not obligated to enforce these Terms on your behalf against another user, but we encourage you to notify us if you believe any user has violated these Terms or engaged in prohibited or unlawful conduct.
5.2 Trading
You agree and understand that: (a) all trades you submit through any of our Products are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any trades, and (c) we do not conduct a suitability review of any trades you submit
5.3 Compliance and Tax Obligations
By accessing or using any of our Products, you acknowledge and agree that you are solely responsible for complying with all applicable laws and tax regulations relevant to your jurisdiction. This includes, but is not limited to, income tax, capital gains tax, value-added tax, or any other tax obligations arising from your investment. Where applicable, EMTELAAK reserves the right to deduct any taxes imposed by law on income generated from a specific investment under its management prior to distributing such income to you. These deductions will be made directly from the gross returns before the net income is transferred to your account. It remains your responsibility to determine and fulfill any additional tax reporting or payment obligations that may apply in your country of residence or tax domicile.
5.3You agree that you will not, and will not assist, enable, or encourage others to use the products:
- For any commercial purpose not expressly authorized by these Terms, including the unauthorized listing, promotion, or marketing of investments;
- In a manner that is defamatory, abusive, harassing, threatening, offensive, invasive of privacy, or otherwise harmful to any individual or entity;
- In violation of any applicable Egyptian national laws, regional regulations, or any other relevant legal authority;
- To create, upload, transmit, display, or reuse any content or material that:
- Infringes any intellectual property rights of others, including but not limited to patents, trademarks, copyrights, or trade secrets;
- Violates any privacy, publicity, contractual, or legal rights of third parties;
- Is false, misleading, or intended to deceive others;
- Is likely to give rise to civil or criminal liability under Egyptian law or is otherwise inconsistent with these Terms or our Privacy Policy.
5.4Engage in technical misuse, including but not limited to:
- Transmitting any viruses, malware, spyware, worms, Trojan horses, or other malicious or harmful code;
- Attempting to gain unauthorized access to any portion of the Services, user accounts, or backend systems;
- Tampering with the security, performance, or functionality of the platform;
- Attempting to probe, scan, or test the vulnerability of the Services or any connected network;
- Conducting denial-of-service (DoS) or distributed denial-of-service (DDoS) attacks against the Services.
5.5Interfere with proprietary rights or the integrity of the Services:
- Reverse engineer, decompile, disassemble, or attempt to discover the source code, trade secrets, or proprietary information of the platform;
- Modify, adapt, copy, reproduce, republish, distribute, or exploit the Services or their contents except as expressly permitted;
- Remove or obscure any copyright, trademark, or proprietary notices displayed within the Services;
- Use bots, crawlers, or scraping tools to collect user information or access data without authorization;
- Record, harvest, or extract personal data or investment information without express consent.
5.6Interfere with operational integrity:
- Attempt to bypass or disable any platform security features or usage restrictions;
- Create false user identities or submit fraudulent investment applications;
- Post or transmit any material designed to interrupt, destroy, or limit functionality of the platform.
5.7These restrictions apply to the fullest extent permitted under applicable law. Even where an action might be legally permissible under Egyptian law, you agree not to engage in it without providing us with at least thirty (30) days’ prior written notice at support@emtelaak.com, along with all relevant details so that we may assess whether alternative solutions or accommodations are appropriate at our sole discretion.
6. Account Registration.
Some or all of the Services, and certain features or functionalities, may require that you register for an account with us. When you do, we may ask you to provide certain registration details, such as your email address or other information about yourself. In the event Emtelaak provides the option to register for the Services through you’re account on a third-party platform (such as Facebook or Google), you authorize Emtelaak to access such account as permitted under the applicable terms and conditions that govern your use of such account (including accessing and using your account credentials and other information shared from the third-party platform account as authorized by you). All such information is subject to our Privacy Policy Privacy Policy. You agree that the information that you provide us about yourself upon registration is true, accurate, current and complete. You may not impersonate someone else to create an account, create or use an account for anyone other than yourself; permit anyone else to use your account; or provide personal information for purposes of account registration other than your own. In order to ensure we can protect and properly administer the Services and our community of users, we have the right to disable or close any user account at any time and for any or no reason.
7. Account Security.
Once you have an account, you are responsible for all activities that occur in connection with your account. You will treat as confidential your account access credentials and will not disclose such credentials to any third party. You agree to immediately notify us if you have any reason to believe that your account credentials have been compromised or that there is, was, may be or may have been any unauthorized use of your account or password, or any other breach of security. We ask that you use particular caution when accessing your profile from a public or shared computer, or when using your account in a public space, such as a cafe or public library, so that others are not able to view or record your access credentials or other personal information.
8. DISCLAIMERS
8.1 ASSUMPTION OF RISK - GENERALLY
- BY ACCESSING AND USING ANY OF OUR PRODUCTS RELATED TO FUNS INVESTMENT FOR INVESTMENT PURPOSES ONLY, YOU REPRESENT THAT YOU ARE FINANCIALLY AND LEGALLY SOPHISTICATED ENOUGH TO UNDERSTAND THE RISKS ASSOCIATED WITH INVESTMENT, INCLUDING FUNDS CERTIFICATES UNDERWRITING IN FUNDS. ALL TRANSACTIONS MUST BE CONDUCTED EXCLUSIVELY IN EGYPTIAN POUNDS (EGP) OR UNITED STATES DOLLARS (USD), DEPENDING ON THE JURISDICTION IN WHICH THE Investment IS LOCATED.
- YOU ACKNOWLEDGE THAT INVESTING IN Investment Funds, INCLUDING THROUGH Funds certificates, INVOLVES RISKS SUCH AS MARKET FLUCTUATIONS,
- REGULATORY CHANGES, ILLIQUIDITY, Funds MANAGEMENT ISSUES, AND POTENTIAL LOSS OF CAPITAL. YOU UNDERSTAND THAT RETURNS ARE NOT GUARANTEED, AND THAT THE VALUE OF YOUR INVESTMENT MAY DECREASE.
- YOU FURTHER ACKNOWLEDGE THAT OUR ROLE IS LIMITED TO FACILITATING ACCESS TO INVESTMENT OPPORTUNITIES. WE DO NOT GUARANTEE THE PERFORMANCE OF ANY INVESTMENT, NOR DO WE PROVIDE FINANCIAL OR LEGAL ADVICE.
- IN SUMMARY, YOU UNDERSTAND AND AGREE THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL RISKS ASSOCIATED WITH PARTICIPATING IN INVESTMENTS THROUGH OUR PLATFORM, INCLUDING RISKS RELATED TO INVESTMENT VALUE, MARKET CONDITIONS, AND REGULATORY COMPLIANCE, AND THAT YOU WILL USE ONLY EGP OR USD AS REQUIRED BY THE INVESTEMNT’S JURISDICTION.
8.2 NO WARRENTIES
- ALL ACCESS TO OUR PLATFORM, SERVICES, AND OFFERINGS RELATED TO OWNERSHIP FOR INVESTMENT PURPOSES (THE “PRODUCTS”) IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, EMTELAAK DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND — WHETHER EXPRESS, IMPLIED, OR STATUTORY — INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.
- YOU ACKNOWLEDGE AND AGREE THAT YOUR PARTICIPATION IN ANY INVESTMENT THROUGH EMTELAAK IS AT YOUR OWN RISK. EMTELAAK DOES NOT GUARANTEE THAT ACCESS TO THE PLATFORM OR ANY INFORMATION OR TOOLS PROVIDED WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS.
- WHILE EMTELAAK MAKES REASONABLE EFFORTS TO PROVIDE ACCURATE AND CURRENT INFORMATION CONCERNING AVAILABLE INVESTMENTS, AND FINANCIAL PROJECTIONS, WE DO NOT WARRANT THE COMPLETENESS, RELIABILITY, OR FUTURE PERFORMANCE OF ANY INVESTMENT. INVESTMENTS MAY LOSE VALUE, AND RETURNS ARE NOT GUARANTEED
- FURTHERMORE, NO INFORMATION, COMMUNICATION, OR MATERIAL SHARED BY EMTELAAK — WHETHER THROUGH THE PLATFORM OR OTHERWISE — CONSTITUTES FINANCIAL, LEGAL, OR TAX ADVICE, OR CREATES ANY WARRANTY. EMTELAAK DISCLAIMS ALL LIABILITY FOR STATEMENTS, PROMOTIONS, OR REPRESENTATIONS MADE BY THIRD PARTIES, INCLUDING DEVELOPERS, BROKERS, OR INVESTMENT MANAGERS, IN CONNECTION WITH ANY INVESTMENT OPPORTUNITY FEATURED ON THE PLATFORM.
8.3 NO INVESTMENT ADVICE
- EMTELAAK MAY PROVIDE INFORMATION ABOUT INVESTMENT OPPORTUNITIES, INCLUDING DESCRIPTIONS, MARKET DATA, FINANCIAL PROJECTIONS, AND OTHER RELATED MATERIALS. SUCH INFORMATION IS PROVIDED STRICTLY FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE INVESTMENT ADVICE, A SOLICITATION, OR A RECOMMENDATION TO INVEST.
- THE AVAILABILITY OF FINANCIAL ESTIMATES ON OUR PLATFORM DOES NOT IMPLY THAT EMTELAAK ENDORSES OR RECOMMENDS ANY STRATEGY, OR INVESTMENT OUTCOME. ALL INVESTMENT DECISIONS MADE THROUGH OUR PLATFORM ARE MADE AT YOUR OWN DISCRETION AND RISK.
- YOU ALONE ARE RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, STRATEGY, OR RELATED TRANSACTION IS SUITABLE FOR YOU, TAKING INTO CONSIDERATION YOUR PERSONAL INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES, LEVEL OF EXPERIENCE, AND RISK TOLERANCE.
- NOTHING ON THIS PLATFORM SHOULD BE INTERPRETED AS AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY ANY SHARES OR INTEREST UNLESS EXPRESSLY STATED OTHERWISE IN COMPLIANCE WITH APPLICABLE LAWS.
- YOU ARE STRONGLY ENCOURAGED TO SEEK INDEPENDENT ADVICE FROM LICENSED LEGAL, FINANCIAL, TAX, OR INVESTMENT PROFESSIONALS BEFORE MAKING ANY INVESTMENT DECISIONS. EMTELAAK MAKES NO GUARANTEE OF PERFORMANCE, RETURNS, OR OUTCOMES WITH RESPECT TO ANY INVESTMENT LISTED ON THE PLATFORM, NOR DO WE ACCEPT ANY LIABILITY FOR LOSSES ARISING FROM RELIANCE ON INFORMATION PROVIDED.
8.4 NO GUARANTEE OF SERVICE
Although we hope to make the Services available at all times in the future, there may be times when we need to disable the Services either temporarily or permanently. We reserve the right to discontinue, change, suspend, remove and/or disable access to any Service and to impose limits on the use of or access to any Service, in each case at any time and without notice or liability. In no event will we be liable for the discontinuance, modification, suspension or removal of, or disabling of access to, any such Service at any time and/or for any period of time. Also, from time to time, we may restrict access to some parts of the Services, or all Services, to registered users.
9. Indemnification
You agree to hold harmless, release, defend, and indemnify us and our officers, directors, employees, contractors, agents, affiliates, and subsidiaries from and against all claims, damages, obligations, losses, liabilities, costs, and expenses arising from: (a) your access and use of any of our Products; (b) your violation of any term or condition of this Agreement, the right of any third party, or any other applicable law, rule, or regulation; (c) any other party's access and use of any of our Products with your assistance or using any device or account that you own or control; and (d) any dispute between you and (i) any other user of any of the Products or (ii) any of your own customers or users.
10. Limitation of Liability.
YOU ACKNOWLEDGE THAT YOUR ACCESS TO AND USE OF EMTELAAK’S PLATFORM, SERVICES, AND ANY ASSOCIATED MATERIALS OR INFORMATION IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EMTELAAK OR ANY OF ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUBSIDIARIES, CONTRACTORS, REPRESENTATIVES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF OPPORTUNITY, OR ANY OTHER COMMERCIAL OR PERSONAL DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF EMTELAAK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11. Links to other Sites.
If there are other websites and/or resources linked to on the Services, these links are provided only for the convenience of our users. We have no control over the contents of those websites or resources, and therefore cannot accept responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to the Services, you do so entirely at your own risk and subject to the privacy policies and/or terms and conditions of use for such websites.
12. GOVERNING LAW AND JURISDICTION
12.1These Terms of Use, and any dispute, claim, or controversy arising out of or relating to your access to or use of the services provided by Emtelaak, including any investment activities or transactions facilitated through the platform, shall be governed by and construed in accordance with the laws of the Arab Republic of Egypt, without regard to any conflict of law principles.
12.2You agree that the courts of the Arab Republic of Egypt shall have exclusive jurisdiction to hear and determine any dispute, suit, or proceeding arising out of or in connection with these Terms or your use of the services. You expressly waive any objection to the jurisdiction or venue of such courts.
13. Miscellaneous
13.1 Entire Agreement
These terms constitute the entire agreement between you and us with respect to the subject matter hereof. This Agreement supersedes any and all prior or contemporaneous written and oral agreements, communications and other understandings (if any) relating to the subject matter of the terms
13.2 Assignment
You may not assign or transfer this Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer this Agreement without our prior written consent shall be null and void. We may freely assign or transfer this Agreement. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns
13.3 Notices
We may provide any notice to you under this Agreement using commercially reasonable means, including using public communication channels. Notices we provide by using public communication channels will be effective upon posting.
13.4 Severability
If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.
14. Contact Us
We welcome your questions and comments about these Terms. Please contact us via email at Terms of Use.