The present document explains legal issues regarding to this website (hereinafter - the “Website”) and clarifies limits of Our responsibility.

The provisions below are of legal nature and should be read carefully, however do not constitute any kind of contract or agreement.

This Website represents the trademark HAWEX and provides information about different products and services offered under this trademark.

HAWEX is a trademark, that is registered in different countries. HAWEX is not a legal entity, and the products and services under this trademark are offered by separate legal entities in different countries:
(I) HAWEX GROUP Ltd is incorporated in the United Kingdom of Great Britain and Northern Ireland having its registered office at Unit 111470, Second Floor, 6 Market Place, London, Fitzrovia, W1W 8AF, United Kingdom;
(II) Alsaqr Payment Services Provider (PSP) is incorporated in the United Arab Emirates, Dubai, Mainland having registered office at Liberty Building, Land Area Al Garhoud, Plot №161-0, Land DM №214-505, Makani №32731 93073, Office № M3-0300, Dubai, United Arab Emirates;
(III) Credex Multipay UAB is incorporated in the Republic of Lithuania having its registered office at Eisiskiu Sodu 18-oji g.11, LT-02194 Vilnius, Republic of Lithuania.

Each entity works within the frames of applicable legislation which may vary in each particular case depending on the country.

This Website is owned by HAWEX GROUP Ltd and this company is not responsible for acts of other entities as well as for their products and services.
Legal information & disclaimers (main website)
Public offers
No public offer
No information provided on this Website should be understood as a public offer or any kind of agreement between You and any companies working under HAWEX trademark.

The content of the Website may include some information of the products that may be offered under trademark HAWEX, but never sufficiently specifies terms of agreement, so further negotiations are necessary. Providing You with information, We invite You to such negotiations.

If You want to receive any Product or use any service, including displayed at this Website, You should conclude a separate agreement specifying terms of corresponding relationships.

Since the present Website does not constitute any offer, the Consumer Rights Act 2015 is unapplicable to this to any extend.
No special relationship and any kind of advice
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement, representations or advice, expressed or implied, including investment, financial, trading, or any other sort of advice. And You should not treat any of the Website’s content as any advice and should not rely upon this content in Your financial, trading, investment, business or other decisions.

Neither We recommend nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to recommend that any cryptocurrency or fiat currency, any kind of securities, options should be bought, sold, or held by You, and nothing of the Website’s content should be taken as advice to buy, sell or hold any cryptocurrency or any other financial instrument.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement of fact or law You can rely on. Any information We provide You with is subject to your own further check, inquiry and proper due diligence.

As with any financial or investment decisions, You should conduct your own research and due diligence to properly evaluate the benefits and risks of any investment or financial transaction. You should also seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal counsels and investment advisors, in connection with any investment or financial transaction.

The information We provide You with is given without any responsibility from Our side and We do not assume any responsibility for any information, statement, representation or advice.

We are not responsible for the investment decisions based on the information provided on the Website.
It is your responsibility how You use a particular service or product. We do not advise You to take any particular steps.
No offering to buy a cryptocurrency or any financial instrument
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to propose that You buy any cryptocurrency or fiat currency, any kind of securities, options or other financial instruments, and nothing on the Website’s content should be taken as an offer to buy, sell or hold a cryptocurrency or any other financial instrument.
Limitation of liability regarding to content on the Website Representations.
The materials on the Website are provided on “as is” and “as available” basis without any warranty or representation expressed or implied. Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any warranties or representations, expressed or implied, including that the use of the Product will always be safe, secure, or error-free, or that it will function without disruptions, delays, bugs, or imperfections, as well as any statements regarding capacity, suitability for use or performance of the Website, or the content presented on, or through the Website.

It is Your own responsibility to check any information or materials provided on the Website, it does not usually require any special knowledge or skills.
Hereby We disclaim and negate any responsibility for any representation or misrepresentation (including negligent), based on statute or common law.
Security and lawfulness of the Website and its content.
We are unable to exercise control over the security or content of information passing over the network, and We hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.

The Website is only offered to You if You reside in jurisdiction where it may be lawfully offered and You agree to be solely and fully responsible for determining whether the use of the Website is compatible with laws of the jurisdiction where You reside. The legality and compatibility with the applicable law of your use of the Website as well as particular way and extend of its use is at your own risk.
Hereby We disclaim and negate any responsibility for lawfulness of the Website’s content, based on statute or common law.
Accuracy of the Website’s content.
We are constantly updating products and services which may be offered under HAWEX trademark. The products or services represented on the

Website may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information.

We cannot and do not guarantee the accuracy or completeness of any information, including prices, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
Further, We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of any materials or otherwise relating to such materials or on any sites linked to this Website.

To the fullest extent permitted by applicable law, We and Our officers, directors, shareholders, employees, contractors and affiliates disclaim all warranties and representations, whether expressed or implied (both by statute, common law, and custom), including implied warranties of merchantability, fitness for purposes or for particular purpose, title, quality, compatibility, performance, security, accuracy, and non-infringement, as well as enhanced goodwill or expected benefits, including, but not limited to:
(I) the Website will function uninterrupted, secure or available at any particular time or location;
(II) any errors or defects will be corrected;
(III) the Website will be compatible with your computer, device or software;
(IV) the use of the Website, including, without limitation, the browsing and downloading of any information, will be free of any viruses or other destructive, intrusive or disruptive or other harmful components;
(V) the transmission of the information to and from the Website will be secure;
(VI) the use of the Website will not infringe the rights (including, without limitation, intellectual property rights) of any person;
(VII) the use of the Website will not cause any damage to your computer systems, software or electronic files;
(VIII) the content presented on the Website will be accurate, beneficial or reliable;
(IX) the Website will meet your requirements or expectations in any way, or the result of using the Product will be satisfactory and will fit your expectations or requirements.
In no event shall Hawex Group Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any damages, including, without limitation, loss of profits, data, loss of business, failure to use the Website, customer’s misunderstanding of the Website or any other loss, arising out of or connected to the Website (including negligence), including, but not limited to:
(I) your access to, or use of, or inability to access, or use the Website;
(II) any Third-Party conduct or content on the Website;
(III) any content obtained from the Website;
(IV) transmission or reception of harmful, infringing or unlawful information of whatever nature;
(V) any viruses or other harmful components contained on the Website or spreading through it;
(VI) any statement or representations of fact or of law (both innocent, negligent or intentional, regardless, true or false);
(VII) lawfulness of Your use of the Website;
(VIII) modification, suspension or discontinuance of the Website or any its part;
(IX) unauthorised access, use or alteration of your transmissions or content,
whether based on statute, common law, contractual terms, conditions or warranties (both expressed and implied), tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage.

We disclaim and exclude any liability of Hawex Group Ltd, its directors, employees, partners, agents, suppliers, or affiliates to the fullest extent permitted by applicable law, including any obligation to take reasonable care or exercise reasonable skill where the obligation arises from statute or common law, or from an expressed or implied term of the contract.
In the event which would be held not to be covered by any of the exclusion clauses, including negligence or breach of conditions and so-called “fundamental breach” of the Contract, our liability is limited to the sum not exceeding £100 for appropriately proved damage which is claimed within twelve-month period since the event.
Intellectual Property Rights
The materials on this Website are protected by applicable copyright and trademark law. Users are given the capability of using these materials for personal, non-commercial transitory viewing only.

You may not copy, reverse engineer, modify, frame, scrape, rent, lease, loan, sell, distribute or create derivative works of the Website’s content, in whole or in part, in any way or by any means, whether manually or automatically.

You may not use any name, mark, logo or domain name that is confusingly similar to Our marks, logos and Internet domain names. You must refrain from any action or omission that may dilute or damage Our goodwill.
Third-Party Websites and Services
The Website may include advertisements and links to external sites and co-branded pages, or promote websites or services from other companies, or offer You the ability to download software, or content from other companies in order to provide You with access to information and services which You may find useful or interesting. We do not endorse such sites nor approve any content, information, legal or illegal emails (whether spam emails or not), goods or services provided by them. We are not responsible for and do not control those websites, services, emails, content and software and cannot accept any responsibility or liability for any loss or damage suffered by You as a result of your use of those websites and services or of such external and/or co-branded sites.

Use of any such linked web site is at the user’s own risk.

We strongly advise You to read the terms and conditions and privacy policies of any Third-Party websites or services that You visit.

We reserve the right to terminate or suspend access to these Third-Party services immediately, without prior notice or liability, for any reason whatsoever.
Governing Law
The Website is governed and construed in accordance with the laws of England and Wales.

The competent courts in London in the United Kingdom of Great Britain and Northern Ireland have exclusive and sole jurisdiction over any dispute, claim or controversy relating to the Website.
Availability, Errors and Inaccuracies and Website modification
The materials appearing on the Website could include technical, typographical, or photographic errors. Hawex Group Ltd does not warrant that any of the materials on its web site are accurate, complete, or up-to-date.

It is up to You to check all information which We provide.

Hawex Group Ltd reserves the right to modify or discontinue, temporarily or permanently, the Website or any features or portions thereof without prior notice. Hawex Group Ltd will not be liable for any modification, suspension or discontinuance of the Website or any part thereof. Hawex Group Ltd does not, however, make any commitment to update the materials.
Using Service, Client must refrain from:
(I) Breaching the terms of Contract or any other applicable rules and instructions that We may convey with respect to Service;
(II) Interfering with, burdening or disrupting the functionality of Service;
(III) Breaching the security of Service or publicly identifying any security vulnerabilities in it;
(IV) Circumventing or manipulating the operation or functionality of Service, or attempting to enable features or functionalities that are otherwise disabled, inaccessible or undocumented in Service;
(V) Sending automated or machine-generated queries;
(VI) Impersonating any person or entity, or making any false statement pertaining to Client’s identity or affiliation with any person or entity;
(VII) Collecting, harvesting, obtaining or processing personal information regarding to Service’s users, without their prior explicit consent;
(VIII) Abusing, harassing, threatening or intimidating other users of Service;
(IX) Linking to Service from web pages or applications that contain pornographic content or content that encourages racism or wrongful discrimination or other prohibited or harmful content;
(X) Engaging in any activity that constitutes a criminal offense or gives rise to civil liability;
(XI) Transferring Client’s Account to another person;
(XI) Violating any applicable law;
Client is solely responsible for the content Client makes available through Service and for the consequences associated with doing so.
Prohibited use
Taxes and other local regulations
It is Client’s responsibility to comply with local laws in respect to the legal usage of Service and the regulatory qualification of virtual currencies in Client’s jurisdiction, including compliance with local tax regulations.
Client is responsible for determining what taxes apply, for tax payment and for interacting with the appropriate tax authority.
We are not responsible for determining Client’s tax obligations.
Digital Assets, Cryptocurrencies, and Tokens
Not every digital asset can be accessed through Service as only a subset of cryptocurrencies and tokens are available within the Service. The selection of cryptocurrencies and tokens accessible through Service is subject to change at any time and We do not guarantee that any particular digital asset will continue to be available. Similarly, Third-Party Service information or other features of Service may be changed at any time at Our discretion according to usage, Service vision, or changes in the global blockchain industry.
We cannot and do not guarantee the value of cryptocurrency. Client acknowledges and agree that the value of cryptocurrency is highly volatile and that buying, selling, and holding cryptocurrency involves a high risk.
We are not a party to Client’s transactions, and are not responsible for them, so Client must carefully verify Client’s operations.
Termination and Restriction of the Transaction
We are entitled at Our own to refuse, suspend or terminate any transaction, change the term of executing the transaction, set restrictions on any transaction, inter alia, freeze or attach the funds and assets, limit the availability of Service to Client without notice and without liability for any losses or additional expenses in the following cases:
(I) Client’s certification appears to be false;
(II) suspected unauthorised activity on Client’s Account;
(III) suspected Client’s involvement in money laundering or terrorism financing;
(IV) suspected fraud or other unlawful, dishonest or unethical action, or if We suppose that further cooperation with Client is to the detriment Our honour, credit or reputation;
(V) suspected Client’s death if Client is an individual or liquidation of Client who is a legal entity;
(VI) Client’s failure to supply the requested information, or providing Us with false information or fake document;
(VII) in order to comply with applicable law or requirements of the financial institutions or organisations involved in execution of the transaction, or Our internal policies;
(VIII) the transaction is suspected to result in direct or indirect violation of sanctions set by the United Nations Authorities or any other governmental authority with jurisdiction over Us or Service, as specified during the onboarding;
(IX) We consider these measures necessary in order to secure Our rights to the Financial Pledge;
(X) We consider or suspect some default on Client’s obligations to have occurred or to possibly occur.
Charges, Commissions and other Payments
We are entitled to charge some commissions and other Charges (“Charges”) for processing Client’s transactions.
The amount and requirements of these Charges are specified in the Terms and the Fees and Charges (“Fees and Charges”).
We are entitled to unilaterally amend the Fees and Charges. We inform Clients of amendments to the Fees and Charges by means of publication at the website hawex.com. Additionally, We may inform each Client individually.
Whether Client disagrees to the amendments, They are entitled to terminate Contract, without sanctions applied.
Whether Client fails to submit objections before the day on which amendments to the Fees and Charges come into force, Client shall be deemed to agree to those amendments.
The general currency exchange rates and reference interest rates (the rates We use to calculate the interest applicable to the transaction, which Client can check on publicly available sources) set by Us are not included in the Fees and Charges and shall be stated at the moment of rendering the respective service. Client consents that the general currency exchange rates and reference interest rates set by Us may be changed at any time without prior notification, considering currency exchange rate and reference interest rate fluctuations in financial markets.
Client agrees that the general currency exchange rate published at the website hawex.com may differ from the currency exchange rate applicable to a particular transaction, and We are entitled to inform Client about actual rate after execution of the transaction by means of account statement / report.
We are entitled to cease rendering Service without any notice if Client has not paid appropriate fee or charge. In such a case We are not responsible for Client’s losses or other additional expenses. We are entitled to continue rendering Service at Our own discretion and acquiring the corresponding rights to claim appropriate sums.
If taxes, duties or similar payments are imposed on Charges, We are entitled to withhold such payments from Client, with the Charge amount being increased accordingly.
If Client defaults on Their obligations under Contract, or if Client’s insolvency proceedings, legal protection proceedings or Client’s liquidation process has been initiated, We are entitled to use Client’s funds available at Service for decreasing the amount of Client’s liabilities or discharging those completely.
Confidentiality of Transmissions Over the Internet
The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not completely secure, and is subject to possible loss, interception, or alteration while in transit. Accordingly, while We take commercially reasonable efforts to safeguard the privacy of the information Client provide to Us and treat such information in accordance with Our Privacy Policy.
Third-Party Service Provider Risks & Disclaimer
Service may be used to interact with Third-Party Services.
Third-Party Services that Client interact with through Service may require an account to use and Client may be required to become a party to an agreement with that Third Party for which Client are solely responsible. We are not a party to the purchase, sale or trade of any digital assets that are affected through Third-Party service providers, or any transactions involving fiat currency, and do not act as a seller or supplier. Any agreement that Client enter with any Third Party to purchase, sell or trade digital assets, or to send fiat currency, is between Client and that Third Party, and Client are solely responsible for ensuring that Client agree to applicable terms, and that the Third Party complies with all applicable laws that may apply to Client. Such agreements are not enforceable against Us, and do not bind Us or limit Our rights under this Contract or applicable law.
We are not responsible for the legal terms (e.g., “terms of use agreement”), privacy policies, or the practices and/or transactions of and involving the payment processor or the transaction service providers, or the compliance of these providers with legal requirements (in Client’s jurisdiction or elsewhere).
External links, brand names, and logos in Service are not endorsements. Even where Service may include language about “recommendations” these should be understood as being based on aggregate user behaviour and not a specific recommendation for Client.
We have not reviewed these sites or links and are not responsible for the contents of any such linked site. Use of any such linked web site is at the user’s own risk.
We strongly advise Client to read the terms and conditions and privacy policies of any Third-Party websites or services that Client visits.
We reserve the right to terminate or suspend access to these Third-Party Services immediately, without prior notice or liability, for any reason whatsoever.
We may use some Third-Party, including open source, solutions, provide Third-Party libraries to Client as part of Service’s solution but shall not be considered to be the owner or licensor of the Third-Party libraries. Please refer to the services and respect the relevant Third-Party licenses.
Application marketplace
Client’s use of Service may be subject to additional Third-Party terms and conditions that govern that application marketplace from which Client downloaded the App, such as iTunes, Google Play or Amazon App-store for Android. Such Third Parties are not responsible for providing maintenance and support services with respect to Service.
In case of a conflict between this Contract or Our Terms of Use and the particular marketplace’s terms and conditions, the last will prevail.
Client must comply with applicable Third-Party terms of agreement when using Service.
Complimentary Technical Support
Customer support is offered to Client (or any other user) without charge of any kind but is provided solely at Our discretion, and may be discontinued or modified at any time.

If Client chooses to make use of Our free customer support services, then Client must treat Our customer support staff with respect. Client must also take care not to provide Client’s Account credentials (which Our support staff will never ask for) in order to stay safe.
Digital assets can be complicated and it is difficult to provide complimentary support to a global user base in the digital asset space. Although Our customer support staff strive to do their best, Client are the one who is responsible for any losses that may result from inappropriately followed advice or even appropriately followed advice that has negative consequences for Client. If Client are concerned about possible losses or errors, Client should retain Client’s own independent professional advisors or technical experts to assist Client with Client’s unique circumstances.
Client expressly acknowledges that We are not responsible for any errors, misunderstandings, incorrect/incomplete explanations or instructions, and that Our customer support is not a substitute for paid technical experts. To the extent permitted by applicable law, this support is offered to Client without warranty of any kind and shall be at Client’s risk.
No Warranty
Representations. Service is provided on an “as is” and “as available” basis without any warranty or representation expressed or implied.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any warranties or representations, expressed or implied, including that use of Service will always be safe, secure, or error-free, or that it will function without disruptions, delays, bugs, or imperfections, as well as any statements regarding capacity, suitability for use or performance of Service, or the content presented on, or through Service, whether or not made by Us.
Specifically, Client should be careful not to assume that a price of a digital asset in Service, or of a fiat currency, is the only possible price or even a “correct” price as the actual pricing may differ in Client’s local market or may be out-of-date for Client’s use case.
It is Client’s own responsibility to check any information or materials provided via Service, it does not usually require any special knowledge or skills.
Security and lawfulness of Service and its content. We are unable to exercise control over the security and lawfulness of information passing over the network.
Service is only offered to Client if Client resides in jurisdiction where it may be lawfully offered and Client agree to be solely and fully responsible for determining whether the use of Service is compatible with laws of the jurisdiction where Client reside. The legality and compatibility with the applicable law of Client’s use of Service as well as particular way and extend of its use is at Client’s own risk.
Accuracy of Service’s content. We are constantly updating Services and services which may be offered under HAWEX trademark. Services or services represented on Service may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information.
Service integrates many Third-Party data sources in an effort to provide relevant data to users but this data is typically beyond Our control. We do not have any liability to Client for incorrect data and Client should verify any data Client receive through Service before acting on it.
We cannot and do not guarantee the accuracy or completeness of any information, including prices, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
We do not make or give and neither Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of representations concerning the accuracy, likely results, or reliability of the use of any materials or otherwise relating to such materials or on any sites linked to this Service.
To the fullest extent permitted by applicable law, We and Our officers, directors, shareholders, employees, contractors and affiliates disclaim all warranties and representations, whether expressed or implied (both by statute and case-law ), including implied warranties of merchantability, fitness for purposes or for particular purpose, title, quality, compatibility, performance, security, accuracy and non-infringement as well as enhanced goodwill or expected benefits, including, but not limited to:
(I) Service will function uninterrupted, secure or available at any particular time or location;
(II) any errors or defects will be corrected;
(III) Service will be compatible with Client’s computer, device or software;
(IV) the use of Service, including, without limitation, the browsing and downloading of any information, will be free of any viruses or other destructive, intrusive, or disruptive, or harmful components;
(V) the transmission of the information to and from Service will be secure;
(VI) the use of Service will not infringe the rights (including, without limitation, intellectual property rights) of any person;
(VII) the use of Service will not cause any damage to Client’s computer systems, software or electronic files;
(VIII) the content presented on Service will be accurate, beneficial or reliable;
(IX) Service will meet Client’s requirements or expectations in any way, or the result of using Service will be satisfactory and will fit Client’s expectations or requirements.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement, representations or advice, expressed or implied, including investment, financial, trading, or any other sort of advice, and Client should not treat any of Service’s content as such, and should not rely upon this content in Client’s financial, trading, investment, business or other decisions.
Neither We recommend nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to recommend that any cryptocurrency or fiat currency, any kind of securities, options, should be bought, sold, or held by Client, and nothing on Service’s content should be taken as advice to buy, sell or hold a cryptocurrency or any other financial instrument.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement of fact or law Client can rely on. Any information We provide Client with is subject to Client’s own further check, inquiry and proper due diligence.
As with any financial or investment decisions, Client should conduct Client’s own research and due diligence, to properly evaluate the benefits and risks of any investment or financial transaction. Client should also seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal counsels and investment advisors, in connection with any investment or financial transaction.
The information We provide Client with is given without any responsibility from Our side and We do not assume any responsibility for any information, statement, representation or advice. We are not responsible for any decisions Client make based on the information provided on Service.
No special relationship and any kind of advice, no representations
No offering to buy a cryptocurrency or any financial instrument
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to propose that Client buy any cryptocurrency or fiat currency, any kind of securities, options or other financial instrument, and nothing on Service’s content should be taken as an offer to buy, sell or hold a cryptocurrency or any other financial instrument.
Limitation of liability
In no event shall Alsaqr Payment Services Provider, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any damages, including, without limitation, loss of profits, data, business, failure to use Service, customer’s misunderstanding of Service or any other loss, arising out of or connected to Service (including negligence), including, but not limited to:
(I) Client’s access to or use of or inability to access or use Service;
(II) any Third-Party conduct or content on Service;
(III) any content obtained from Service;
(IV) transmission or reception of harmful, infringing or unlawful information of whatever nature;
(V) any viruses or other harmful components contained on Service or spreading through it;
(VI) any statement or representations of fact or of law (both innocent and regardless, true or false);
(VII) lawfulness of Client’s use Service;
(VIII) modification, suspension or discontinuance of Service or any its part;
(IX) any transactions made by Client or any Third Party, their legality, consequences, loss, damage and value of currencies;
(X) unauthorised access, use or alteration of Client’s transmissions or content, whether based on statute, case-law, contractual terms, conditions or warranties (both expressed and implied), tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage.
We disclaim and negate any responsibility for any representation or misrepresentation (including negligent), based on statute or case-law.
This Contract excludes any liability of Alsaqr Payment Services Provider, its directors, employees, partners, agents, suppliers, or affiliates to the fullest extent permitted by applicable law, including any obligation to take reasonable care or exercise reasonable skill in the performance of a contract where the obligation arises from statute or case-law, or from an expressed or implied term of Contract.
Under no circumstances We shall be responsible for any act or omission, including negligence, unless such act or omissions and their consequences could have been foreseen and avoided by the exercise of reasonable due diligence on Our part.
In the event, which would be held not to be covered by any of the exclusion clauses, including negligence or breach of Contract, including breach of conditions and so-called “fundamental breach”, Our liability is limited to the sum not exceeding AED100 for appropriately proven damage which is claimed within twelve-month period since the event.
Force Majeure
We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond Our reasonable control, including but not limited to any acts of God, state, government or international authorities or bodies as well as Third Parties, labour disputes or other industrial disturbances, electrical, telecommunications, hardware, software or other utility or equipment failures, software or smart contract bugs or weaknesses, earthquakes, storms, or other nature-related events, blockages, embargoes, riots, strikes, acts or orders of government authority, acts of terrorism or war as well as other military activity, technological change, changes in interest rates or virtual currencies or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol.
Indemnification
To the maximum extent permitted by law, Client agree to release, indemnify, defend and hold harmless Alsaqr Payment Services Provider and its respective agents, employees, directors, successors, its independent contractors, service providers and consultants, and anyone acting on Our behalf, and assign from any loss, liability, claim, demand, damage costs and expenses (including, but not limited to, reasonable attorneys’ fees) asserted by any entity, resulting from any claim, allegation or demand, in any way connected with Client’s use (or misuse) of Service, transactions made (or not made) through Service, any and all claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trademark infringement, or any other cause of action, arising out of or related to:
(I) Client’s use of Service;
(II) any User Content or Feedback Client provide;
(III) Client’s violation of this Contract;
(IV) Client’s violation of any rights of another; or
(V) Client’s conduct in connection with Service.
If Client are obligated to indemnify us, We will have the right, in Our sole and unfettered discretion, to control any action or proceeding and determine whether We wish to settle it, and if so, on what terms.
Security of Our Claims against Client
All Client’s funds (money, etc.) and/or Client’s rights of claim on repayment of such funds against Us, that are or will be held in Client’s Accounts, shall serve as financial collateral guarantie for the fulfilment of Client’s or closely related to the Client Client’s (“Closely Related Client”) obligations according to Contract, and shall be pledged as the Financial Pledge. Financial Pledge shall secure all Client’s or Closely Related Client’s obligations according to Contract, including future obligations. We are not liable for losses caused in connection to Financial Pledge unless inflicted with wrongful intent on Our side.
We are entitled to satisfy all claims against Client by enforcing the Financial Pledge even before the date of performance of obligations and without any prior notice in the following cases:
(I) Client or Closely Related Client, or the person acting as a surety in respect to Client’s obligations, defaults on Their obligations according to Contract;
(II) Client, Closely Related Client or the person acting as a surety in respect to Client’s obligations has applied for a legal proceeding;
(III) insolvency proceedings of Client or the person acting as a surety for the performance of obligations of Client have been initiated in accordance with the procedure specified in law, a statutory instrument or an administrative act;
(IV) reorganisation or liquidation process of Client or the person acting as a surety for the performance of obligations of Client have been initiated;
(VI) restrictions are set on Client’s – or acting as a surety in respect of Client’s obligations person’s – rights and activities, rendering financial, management and/or insurance services, including complete or partial suspension of the rendering of financial services, appointment of the authorised person of supervisory authority, or license cancellation.
Intellectual Property Rights
Service is licensed to Client on a limited, revocable, personal, non-exclusive, non-transferrable, non-assignable, royalty-free, worldwide basis.
Client access and use Service solely for approved purposes as determined by this Contract. Any other use of Service is expressly prohibited.
The materials contained in Service are protected by applicable copyright and trademark law.
Client may not copy, reverse engineer, modify, frame, scrape, rent, lease, loan, sell, distribute or create derivative works of Service’s content, in whole or in part, in any way or by any means, whether manual or automated.
Client may not use any name, mark, logo or domain name that is confusingly similar to Our marks, logos and Internet domain names. Client must refrain from any action or omission that may dilute or damage Our goodwill.
Termination of Contract
We may, without liability to Client or any Third Party, refuse to let Client open an Account, suspend Client’s Account, or terminate Client’s Account or Client’s use of Service. Such actions may be taken as a result of Account inactivity, failure to provide or update identifying information, if We believe Client’s Account has been compromised, or in order to comply with laws or regulations, or Client’s violation of the terms of Contract.
We are entitled to close Client’s Account unilaterally without prior notice if Client does not utilise Account for transactions for more than six (6) months.
Client may terminate Contract with Us at any time on the basis provided by law by closing Client’s Account and discontinuing use of Service or request to terminate Client’s Account by contacting Us via info@hawex.com.
Upon termination, suspension or cancellation on the basis of the previous clauses, Client will be denied access to Service and Client’s Account temporary or permanently.
Termination of Contract shall not entail termination of non-discharged obligations established before termination. All non-discharged obligations of the Parties established before terminating of Contract shall be discharged in accordance with the terms of Contract. Client remains liable for all transactions made while the Account was active as well as other non-discharged obligations established before termination.
If Client’s Account is closed on Our initiative or Client fails to supply Us with instructions on transfer / outpayment of the account balance, the account balance shall be kept, no interest shall be accrued on it, and the account balance shall be paid out upon Client’s request pursuant to the respective application. We are entitled to withhold charge for keeping the account balance after Account closure in accordance with Fees and Charges. Before paying the balance out, We are entitled to perform Client’s identification.
Availability, Errors and Inaccuracies, Updates and modification
Service could include technical, typographical, or photographic errors.
It is up to Client to check all information which We provide.
Service may evolve over time. This means We may make changes, replace, or discontinue (temporarily or permanently) Service at any time for any reason with or without notice. In this case, Client may be prevented from accessing or using Service. If, in Our sole discretion, We decide to permanently discontinue Service, We will provide Client with notice via Our website.
Due to the wide variety of operating systems, configurations, and unique circumstances of users it is not possible to guarantee that an update to Service will not cause unintended consequences for Client and We specifically disclaim any responsibility or liability for this risk.
Changes to this Contract
Please be aware that We may revise Contract from time to time. Therefore, We reserve the right, at Our sole discretion, to update, change or replace any part of this Contract by posting updates and changes. Client might be notified about the updates of Contract, but it is Client’s responsibility to check periodically for changes.
We shall not be responsible for Client’s losses or other expenses, should Client fail to familiarise itself with amendments to Contract.
We advise Client to revisit Agreement and the Terms pages as well as Fees and Charges page on Our website hawex.com from time to time to make sure Client are familiar with the current version of Contract. The effective date which is at the top of the document informs Client about the latest versions. Client’s continuing use of Service following the posting of any changes to Contract constitutes acceptance of those changes.
Whether Client disagree to the amendments, it shall be entitled to terminate its business relations with Us that are affected by the proposed amendments immediately, before the day on which amendments become effective, without sanctions applied. Should the relations be terminated, Client shall submit all required documents to Us and take all required steps to discharge the obligations arising out of the legal relations between the Parties.
Amendments to Contract shall not apply to the transactions that have been executed and completed before the date on which amendments to Contract enter into effect.
Change of Control
In the event that We are acquired by or merged with a Third-Party entity, We reserve the right, in any of these circumstances, to transfer or assign the information We have collected from Client as part of such merger, acquisition, sale, or other change of control.
Governing Law, Jurisdiction, Disputes Resolution
Regardless Client’s place of residence or where Client accesses or use Service, this Contract is governed by the laws of the United Arab Emirates.
In accordance with art. 5(2) of the Law No. (16) of 2011 of Emirate Dubai, the Parties expressly agreed, that the Court of First Instance of the Dubai International Financial Centre has exclusive and sole jurisdiction over any dispute, claim or controversy relating to Product or with respect to any matter relating to this Contract. You hereby expressly consent to personal jurisdiction in the United Arab Emirates and expressly waive any right to object to such personal jurisdiction or bring any proceeding before any other court of any other jurisdiction.
Any dispute, claim or controversy (“Claim”) relating to Service or with respect to any matter relating to this Contract shall be resolved by the Parties through negotiations.
Notwithstanding the foregoing, We may lodge Claim against Client pursuant to the indemnity clause above in any court adjudicating Claim against us.
Our failure to enforce any right or provision of Contract will not be considered a waiver of those rights. If any provision of Contract is held to be invalid or unenforceable by a court, the remaining provisions of Contract remain in effect.
Governing Language and Translation. Interpretation
Client agrees that the present Agreement, Terms, Fees and Charges, Our Privacy Policy and other notices have been drawn up in English. Although translations to other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, Client agrees that in the event of any conflict, inconsistency, contradiction, ambiguity or doubt between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.
The present Agreement, Terms, Fees and Charges, Our Privacy Policy and other notices as well as their separate provisions should be interpreted according to the ordinary natural meaning of wording, overall nature and purposes of the documents and business common sense as an ordinary reasonable and decent person would understand them.
Privacy
We respect Client’s privacy as further explained in Our Privacy Policy.
Contacting us: info@hawex.com
The present document explains legal issues regarding to this website (hereinafter - the “Website”) and clarifies limits of Our responsibility.

The provisions below are of legal nature and should be read carefully, however do not constitute any kind of contract or agreement.

This Website represents the trademark HAWEX and provides information about different products and services offered under this trademark.

HAWEX is a trademark, that is registered in different countries. HAWEX is not a legal entity, and the products and services under this trademark are offered by separate legal entities in different countries:
(I) HAWEX GROUP Ltd is incorporated in the United Kingdom of Great Britain and Northern Ireland having its registered office at Unit 111470, Second Floor, 6 Market Place, London, Fitzrovia, W1W 8AF, United Kingdom;
(II) Alsaqr Payment Services Provider (PSP) is incorporated in the United Arab Emirates, Dubai, Mainland having registered office at Liberty Building, Land Area Al Garhoud, Plot №161-0, Land DM №214-505, Makani №32731 93073, Office № M3-0300, Dubai, United Arab Emirates;
(III) Credex Multipay UAB is incorporated in the Republic of Lithuania having its registered office at Eisiskiu Sodu 18-oji g.11, LT-02194 Vilnius, Republic of Lithuania.

Each entity works within the frames of applicable legislation which may vary in each particular case depending on the country.

This Website is owned by HAWEX GROUP Ltd and this company is not responsible for acts of other entities as well as for their products and services.
Legal information & disclaimers (main website)
Public offers
No public offer
No information provided on this Website should be understood as a public offer or any kind of agreement between You and any companies working under HAWEX trademark.

The content of the Website may include some information of the products that may be offered under trademark HAWEX, but never sufficiently specifies terms of agreement, so further negotiations are necessary. Providing You with information, We invite You to such negotiations.

If You want to receive any Product or use any service, including displayed at this Website, You should conclude a separate agreement specifying terms of corresponding relationships.

Since the present Website does not constitute any offer, the Consumer Rights Act 2015 is unapplicable to this to any extend.
No special relationship and any kind of advice
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement, representations or advice, expressed or implied, including investment, financial, trading, or any other sort of advice. And You should not treat any of the Website’s content as any advice and should not rely upon this content in Your financial, trading, investment, business or other decisions.

Neither We recommend nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to recommend that any cryptocurrency or fiat currency, any kind of securities, options should be bought, sold, or held by You, and nothing of the Website’s content should be taken as advice to buy, sell or hold any cryptocurrency or any other financial instrument.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement of fact or law You can rely on. Any information We provide You with is subject to your own further check, inquiry and proper due diligence.

As with any financial or investment decisions, You should conduct your own research and due diligence to properly evaluate the benefits and risks of any investment or financial transaction. You should also seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal counsels and investment advisors, in connection with any investment or financial transaction.

The information We provide You with is given without any responsibility from Our side and We do not assume any responsibility for any information, statement, representation or advice.

We are not responsible for the investment decisions based on the information provided on the Website.
It is your responsibility how You use a particular service or product. We do not advise You to take any particular steps.
No offering to buy a cryptocurrency or any financial instrument
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to propose that You buy any cryptocurrency or fiat currency, any kind of securities, options or other financial instruments, and nothing on the Website’s content should be taken as an offer to buy, sell or hold a cryptocurrency or any other financial instrument.
Limitation of liability regarding to content on the Website Representations.
The materials on the Website are provided on “as is” and “as available” basis without any warranty or representation expressed or implied. Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any warranties or representations, expressed or implied, including that the use of the Product will always be safe, secure, or error-free, or that it will function without disruptions, delays, bugs, or imperfections, as well as any statements regarding capacity, suitability for use or performance of the Website, or the content presented on, or through the Website.

It is Your own responsibility to check any information or materials provided on the Website, it does not usually require any special knowledge or skills.
Hereby We disclaim and negate any responsibility for any representation or misrepresentation (including negligent), based on statute or common law.
Security and lawfulness of the Website and its content.
We are unable to exercise control over the security or content of information passing over the network, and We hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.

The Website is only offered to You if You reside in jurisdiction where it may be lawfully offered and You agree to be solely and fully responsible for determining whether the use of the Website is compatible with laws of the jurisdiction where You reside. The legality and compatibility with the applicable law of your use of the Website as well as particular way and extend of its use is at your own risk.
Hereby We disclaim and negate any responsibility for lawfulness of the Website’s content, based on statute or common law.
Accuracy of the Website’s content.
We are constantly updating products and services which may be offered under HAWEX trademark. The products or services represented on the

Website may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information.

We cannot and do not guarantee the accuracy or completeness of any information, including prices, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
Further, We do not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of any materials or otherwise relating to such materials or on any sites linked to this Website.

To the fullest extent permitted by applicable law, We and Our officers, directors, shareholders, employees, contractors and affiliates disclaim all warranties and representations, whether expressed or implied (both by statute, common law, and custom), including implied warranties of merchantability, fitness for purposes or for particular purpose, title, quality, compatibility, performance, security, accuracy, and non-infringement, as well as enhanced goodwill or expected benefits, including, but not limited to:
(I) the Website will function uninterrupted, secure or available at any particular time or location;
(II) any errors or defects will be corrected;
(III) the Website will be compatible with your computer, device or software;
(IV) the use of the Website, including, without limitation, the browsing and downloading of any information, will be free of any viruses or other destructive, intrusive or disruptive or other harmful components;
(V) the transmission of the information to and from the Website will be secure;
(VI) the use of the Website will not infringe the rights (including, without limitation, intellectual property rights) of any person;
(VII) the use of the Website will not cause any damage to your computer systems, software or electronic files;
(VIII) the content presented on the Website will be accurate, beneficial or reliable;
(IX) the Website will meet your requirements or expectations in any way, or the result of using the Product will be satisfactory and will fit your expectations or requirements.
In no event shall Hawex Group Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any damages, including, without limitation, loss of profits, data, loss of business, failure to use the Website, customer’s misunderstanding of the Website or any other loss, arising out of or connected to the Website (including negligence), including, but not limited to:
(I) your access to, or use of, or inability to access, or use the Website;
(II) any Third-Party conduct or content on the Website;
(III) any content obtained from the Website;
(IV) transmission or reception of harmful, infringing or unlawful information of whatever nature;
(V) any viruses or other harmful components contained on the Website or spreading through it;
(VI) any statement or representations of fact or of law (both innocent, negligent or intentional, regardless, true or false);
(VII) lawfulness of Your use of the Website;
(VIII) modification, suspension or discontinuance of the Website or any its part;
(IX) unauthorised access, use or alteration of your transmissions or content,
whether based on statute, common law, contractual terms, conditions or warranties (both expressed and implied), tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage.

We disclaim and exclude any liability of Hawex Group Ltd, its directors, employees, partners, agents, suppliers, or affiliates to the fullest extent permitted by applicable law, including any obligation to take reasonable care or exercise reasonable skill where the obligation arises from statute or common law, or from an expressed or implied term of the contract.
In the event which would be held not to be covered by any of the exclusion clauses, including negligence or breach of conditions and so-called “fundamental breach” of the Contract, our liability is limited to the sum not exceeding £100 for appropriately proved damage which is claimed within twelve-month period since the event.
The materials appearing on the Website could include technical, typographical, or photographic errors. Hawex Group Ltd does not warrant that any of the materials on its web site are accurate, complete, or up-to-date.

It is up to You to check all information which We provide.

Hawex Group Ltd reserves the right to modify or discontinue, temporarily or permanently, the Website or any features or portions thereof without prior notice. Hawex Group Ltd will not be liable for any modification, suspension or discontinuance of the Website or any part thereof. Hawex Group Ltd does not, however, make any commitment to update the materials.
Availability, Errors and Inaccuracies and Website modification
The Website is governed and construed in accordance with the laws of England and Wales.

The competent courts in London in the United Kingdom of Great Britain and Northern Ireland have exclusive and sole jurisdiction over any dispute, claim or controversy relating to the Website.
Governing Law
The Website may include advertisements and links to external sites and co-branded pages, or promote websites or services from other companies, or offer You the ability to download software, or content from other companies in order to provide You with access to information and services which You may find useful or interesting. We do not endorse such sites nor approve any content, information, legal or illegal emails (whether spam emails or not), goods or services provided by them. We are not responsible for and do not control those websites, services, emails, content and software and cannot accept any responsibility or liability for any loss or damage suffered by You as a result of your use of those websites and services or of such external and/or co-branded sites.

Use of any such linked web site is at the user’s own risk.

We strongly advise You to read the terms and conditions and privacy policies of any Third-Party websites or services that You visit.

We reserve the right to terminate or suspend access to these Third-Party services immediately, without prior notice or liability, for any reason whatsoever.
Third-Party Websites and Services
The materials on this Website are protected by applicable copyright and trademark law. Users are given the capability of using these materials for personal, non-commercial transitory viewing only.

You may not copy, reverse engineer, modify, frame, scrape, rent, lease, loan, sell, distribute or create derivative works of the Website’s content, in whole or in part, in any way or by any means, whether manually or automatically.

You may not use any name, mark, logo or domain name that is confusingly similar to Our marks, logos and Internet domain names. You must refrain from any action or omission that may dilute or damage Our goodwill.
Intellectual Property Rights
Using Service, Client must refrain from:
(I) Breaching the terms of Contract or any other applicable rules and instructions that We may convey with respect to Service;
(II) Interfering with, burdening or disrupting the functionality of Service;
(III) Breaching the security of Service or publicly identifying any security vulnerabilities in it;
(IV) Circumventing or manipulating the operation or functionality of Service, or attempting to enable features or functionalities that are otherwise disabled, inaccessible or undocumented in Service;
(V) Sending automated or machine-generated queries;
(VI) Impersonating any person or entity, or making any false statement pertaining to Client’s identity or affiliation with any person or entity;
(VII) Collecting, harvesting, obtaining or processing personal information regarding to Service’s users, without their prior explicit consent;
(VIII) Abusing, harassing, threatening or intimidating other users of Service;
(IX) Linking to Service from web pages or applications that contain pornographic content or content that encourages racism or wrongful discrimination or other prohibited or harmful content;
(X) Engaging in any activity that constitutes a criminal offense or gives rise to civil liability;
(XI) Transferring Client’s Account to another person;
(XI) Violating any applicable law;
Client is solely responsible for the content Client makes available through Service and for the consequences associated with doing so.
Prohibited use
Taxes and other local regulations
It is Client’s responsibility to comply with local laws in respect to the legal usage of Service and the regulatory qualification of virtual currencies in Client’s jurisdiction, including compliance with local tax regulations.
Client is responsible for determining what taxes apply, for tax payment and for interacting with the appropriate tax authority.
We are not responsible for determining Client’s tax obligations.
Digital Assets, Cryptocurrencies, and Tokens
Not every digital asset can be accessed through Service as only a subset of cryptocurrencies and tokens are available within the Service. The selection of cryptocurrencies and tokens accessible through Service is subject to change at any time and We do not guarantee that any particular digital asset will continue to be available. Similarly, Third-Party Service information or other features of Service may be changed at any time at Our discretion according to usage, Service vision, or changes in the global blockchain industry.
We cannot and do not guarantee the value of cryptocurrency. Client acknowledges and agree that the value of cryptocurrency is highly volatile and that buying, selling, and holding cryptocurrency involves a high risk.
We are not a party to Client’s transactions, and are not responsible for them, so Client must carefully verify Client’s operations.
Termination and Restriction of the Transaction
We are entitled at Our own to refuse, suspend or terminate any transaction, change the term of executing the transaction, set restrictions on any transaction, inter alia, freeze or attach the funds and assets, limit the availability of Service to Client without notice and without liability for any losses or additional expenses in the following cases:
(I) Client’s certification appears to be false;
(II) suspected unauthorised activity on Client’s Account;
(III) suspected Client’s involvement in money laundering or terrorism financing;
(IV) suspected fraud or other unlawful, dishonest or unethical action, or if We suppose that further cooperation with Client is to the detriment Our honour, credit or reputation;
(V) suspected Client’s death if Client is an individual or liquidation of Client who is a legal entity;
(VI) Client’s failure to supply the requested information, or providing Us with false information or fake document;
(VII) in order to comply with applicable law or requirements of the financial institutions or organisations involved in execution of the transaction, or Our internal policies;
(VIII) the transaction is suspected to result in direct or indirect violation of sanctions set by the United Nations Authorities or any other governmental authority with jurisdiction over Us or Service, as specified during the onboarding;
(IX) We consider these measures necessary in order to secure Our rights to the Financial Pledge;
(X) We consider or suspect some default on Client’s obligations to have occurred or to possibly occur.
Charges, Commissions and other Payments
We are entitled to charge some commissions and other Charges (“Charges”) for processing Client’s transactions.
The amount and requirements of these Charges are specified in the Terms and the Fees and Charges (“Fees and Charges”).
We are entitled to unilaterally amend the Fees and Charges. We inform Clients of amendments to the Fees and Charges by means of publication at the website hawex.com. Additionally, We may inform each Client individually.
Whether Client disagrees to the amendments, They are entitled to terminate Contract, without sanctions applied.
Whether Client fails to submit objections before the day on which amendments to the Fees and Charges come into force, Client shall be deemed to agree to those amendments.
The general currency exchange rates and reference interest rates (the rates We use to calculate the interest applicable to the transaction, which Client can check on publicly available sources) set by Us are not included in the Fees and Charges and shall be stated at the moment of rendering the respective service. Client consents that the general currency exchange rates and reference interest rates set by Us may be changed at any time without prior notification, considering currency exchange rate and reference interest rate fluctuations in financial markets.
Client agrees that the general currency exchange rate published at the website hawex.com may differ from the currency exchange rate applicable to a particular transaction, and We are entitled to inform Client about actual rate after execution of the transaction by means of account statement / report.
We are entitled to cease rendering Service without any notice if Client has not paid appropriate fee or charge. In such a case We are not responsible for Client’s losses or other additional expenses. We are entitled to continue rendering Service at Our own discretion and acquiring the corresponding rights to claim appropriate sums.
If taxes, duties or similar payments are imposed on Charges, We are entitled to withhold such payments from Client, with the Charge amount being increased accordingly.
If Client defaults on Their obligations under Contract, or if Client’s insolvency proceedings, legal protection proceedings or Client’s liquidation process has been initiated, We are entitled to use Client’s funds available at Service for decreasing the amount of Client’s liabilities or discharging those completely.
Confidentiality of Transmissions Over the Internet
The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not completely secure, and is subject to possible loss, interception, or alteration while in transit. Accordingly, while We take commercially reasonable efforts to safeguard the privacy of the information Client provide to Us and treat such information in accordance with Our Privacy Policy.
Third-Party Service Provider Risks & Disclaimer
Service may be used to interact with Third-Party Services.
Third-Party Services that Client interact with through Service may require an account to use and Client may be required to become a party to an agreement with that Third Party for which Client are solely responsible. We are not a party to the purchase, sale or trade of any digital assets that are affected through Third-Party service providers, or any transactions involving fiat currency, and do not act as a seller or supplier. Any agreement that Client enter with any Third Party to purchase, sell or trade digital assets, or to send fiat currency, is between Client and that Third Party, and Client are solely responsible for ensuring that Client agree to applicable terms, and that the Third Party complies with all applicable laws that may apply to Client. Such agreements are not enforceable against Us, and do not bind Us or limit Our rights under this Contract or applicable law.
We are not responsible for the legal terms (e.g., “terms of use agreement”), privacy policies, or the practices and/or transactions of and involving the payment processor or the transaction service providers, or the compliance of these providers with legal requirements (in Client’s jurisdiction or elsewhere).
External links, brand names, and logos in Service are not endorsements. Even where Service may include language about “recommendations” these should be understood as being based on aggregate user behaviour and not a specific recommendation for Client.
We have not reviewed these sites or links and are not responsible for the contents of any such linked site. Use of any such linked web site is at the user’s own risk.
We strongly advise Client to read the terms and conditions and privacy policies of any Third-Party websites or services that Client visits.
We reserve the right to terminate or suspend access to these Third-Party Services immediately, without prior notice or liability, for any reason whatsoever.
We may use some Third-Party, including open source, solutions, provide Third-Party libraries to Client as part of Service’s solution but shall not be considered to be the owner or licensor of the Third-Party libraries. Please refer to the services and respect the relevant Third-Party licenses.
Application marketplace
Client’s use of Service may be subject to additional Third-Party terms and conditions that govern that application marketplace from which Client downloaded the App, such as iTunes, Google Play or Amazon App-store for Android. Such Third Parties are not responsible for providing maintenance and support services with respect to Service.
In case of a conflict between this Contract or Our Terms of Use and the particular marketplace’s terms and conditions, the last will prevail.
Client must comply with applicable Third-Party terms of agreement when using Service.
Complimentary Technical Support
Customer support is offered to Client (or any other user) without charge of any kind but is provided solely at Our discretion, and may be discontinued or modified at any time.

If Client chooses to make use of Our free customer support services, then Client must treat Our customer support staff with respect. Client must also take care not to provide Client’s Account credentials (which Our support staff will never ask for) in order to stay safe.
Digital assets can be complicated and it is difficult to provide complimentary support to a global user base in the digital asset space. Although Our customer support staff strive to do their best, Client are the one who is responsible for any losses that may result from inappropriately followed advice or even appropriately followed advice that has negative consequences for Client. If Client are concerned about possible losses or errors, Client should retain Client’s own independent professional advisors or technical experts to assist Client with Client’s unique circumstances.
Client expressly acknowledges that We are not responsible for any errors, misunderstandings, incorrect/incomplete explanations or instructions, and that Our customer support is not a substitute for paid technical experts. To the extent permitted by applicable law, this support is offered to Client without warranty of any kind and shall be at Client’s risk.
Representations. Service is provided on an “as is” and “as available” basis without any warranty or representation expressed or implied.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any warranties or representations, expressed or implied, including that use of Service will always be safe, secure, or error-free, or that it will function without disruptions, delays, bugs, or imperfections, as well as any statements regarding capacity, suitability for use or performance of Service, or the content presented on, or through Service, whether or not made by Us.
Specifically, Client should be careful not to assume that a price of a digital asset in Service, or of a fiat currency, is the only possible price or even a “correct” price as the actual pricing may differ in Client’s local market or may be out-of-date for Client’s use case.
It is Client’s own responsibility to check any information or materials provided via Service, it does not usually require any special knowledge or skills.
Security and lawfulness of Service and its content. We are unable to exercise control over the security and lawfulness of information passing over the network.
Service is only offered to Client if Client resides in jurisdiction where it may be lawfully offered and Client agree to be solely and fully responsible for determining whether the use of Service is compatible with laws of the jurisdiction where Client reside. The legality and compatibility with the applicable law of Client’s use of Service as well as particular way and extend of its use is at Client’s own risk.
Accuracy of Service’s content. We are constantly updating Services and services which may be offered under HAWEX trademark. Services or services represented on Service may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information.
Service integrates many Third-Party data sources in an effort to provide relevant data to users but this data is typically beyond Our control. We do not have any liability to Client for incorrect data and Client should verify any data Client receive through Service before acting on it.
We cannot and do not guarantee the accuracy or completeness of any information, including prices, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
We do not make or give and neither Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of representations concerning the accuracy, likely results, or reliability of the use of any materials or otherwise relating to such materials or on any sites linked to this Service.
To the fullest extent permitted by applicable law, We and Our officers, directors, shareholders, employees, contractors and affiliates disclaim all warranties and representations, whether expressed or implied (both by statute and case-law ), including implied warranties of merchantability, fitness for purposes or for particular purpose, title, quality, compatibility, performance, security, accuracy and non-infringement as well as enhanced goodwill or expected benefits, including, but not limited to:
(I) Service will function uninterrupted, secure or available at any particular time or location;
(II) any errors or defects will be corrected;
(III) Service will be compatible with Client’s computer, device or software;
(IV) the use of Service, including, without limitation, the browsing and downloading of any information, will be free of any viruses or other destructive, intrusive, or disruptive, or harmful components;
(V) the transmission of the information to and from Service will be secure;
(VI) the use of Service will not infringe the rights (including, without limitation, intellectual property rights) of any person;
(VII) the use of Service will not cause any damage to Client’s computer systems, software or electronic files;
(VIII) the content presented on Service will be accurate, beneficial or reliable;
(IX) Service will meet Client’s requirements or expectations in any way, or the result of using Service will be satisfactory and will fit Client’s expectations or requirements.
No Warranty
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement, representations or advice, expressed or implied, including investment, financial, trading, or any other sort of advice, and Client should not treat any of Service’s content as such, and should not rely upon this content in Client’s financial, trading, investment, business or other decisions.
Neither We recommend nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to recommend that any cryptocurrency or fiat currency, any kind of securities, options, should be bought, sold, or held by Client, and nothing on Service’s content should be taken as advice to buy, sell or hold a cryptocurrency or any other financial instrument.
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to make or give any kind of statement of fact or law Client can rely on. Any information We provide Client with is subject to Client’s own further check, inquiry and proper due diligence.
As with any financial or investment decisions, Client should conduct Client’s own research and due diligence, to properly evaluate the benefits and risks of any investment or financial transaction. Client should also seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal counsels and investment advisors, in connection with any investment or financial transaction.
The information We provide Client with is given without any responsibility from Our side and We do not assume any responsibility for any information, statement, representation or advice. We are not responsible for any decisions Client make based on the information provided on Service.
No special relationship and any kind of advice, no representations
No offering to buy a cryptocurrency or any financial instrument
Neither We make or give nor Our officers, directors, shareholders, employees, contractors and affiliates have any authority to propose that Client buy any cryptocurrency or fiat currency, any kind of securities, options or other financial instrument, and nothing on Service’s content should be taken as an offer to buy, sell or hold a cryptocurrency or any other financial instrument.
Limitation of liability
In no event shall Alsaqr Payment Services Provider, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any damages, including, without limitation, loss of profits, data, business, failure to use Service, customer’s misunderstanding of Service or any other loss, arising out of or connected to Service (including negligence), including, but not limited to:
(I) Client’s access to or use of or inability to access or use Service;
(II) any Third-Party conduct or content on Service;
(III) any content obtained from Service;
(IV) transmission or reception of harmful, infringing or unlawful information of whatever nature;
(V) any viruses or other harmful components contained on Service or spreading through it;
(VI) any statement or representations of fact or of law (both innocent and regardless, true or false);
(VII) lawfulness of Client’s use Service;
(VIII) modification, suspension or discontinuance of Service or any its part;
(IX) any transactions made by Client or any Third Party, their legality, consequences, loss, damage and value of currencies;
(X) unauthorised access, use or alteration of Client’s transmissions or content, whether based on statute, case-law, contractual terms, conditions or warranties (both expressed and implied), tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage.
We disclaim and negate any responsibility for any representation or misrepresentation (including negligent), based on statute or case-law.
This Contract excludes any liability of Alsaqr Payment Services Provider, its directors, employees, partners, agents, suppliers, or affiliates to the fullest extent permitted by applicable law, including any obligation to take reasonable care or exercise reasonable skill in the performance of a contract where the obligation arises from statute or case-law, or from an expressed or implied term of Contract.
Under no circumstances We shall be responsible for any act or omission, including negligence, unless such act or omissions and their consequences could have been foreseen and avoided by the exercise of reasonable due diligence on Our part.
In the event, which would be held not to be covered by any of the exclusion clauses, including negligence or breach of Contract, including breach of conditions and so-called “fundamental breach”, Our liability is limited to the sum not exceeding AED100 for appropriately proven damage which is claimed within twelve-month period since the event.
Force Majeure
We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond Our reasonable control, including but not limited to any acts of God, state, government or international authorities or bodies as well as Third Parties, labour disputes or other industrial disturbances, electrical, telecommunications, hardware, software or other utility or equipment failures, software or smart contract bugs or weaknesses, earthquakes, storms, or other nature-related events, blockages, embargoes, riots, strikes, acts or orders of government authority, acts of terrorism or war as well as other military activity, technological change, changes in interest rates or virtual currencies or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol.
Indemnification
To the maximum extent permitted by law, Client agree to release, indemnify, defend and hold harmless Alsaqr Payment Services Provider and its respective agents, employees, directors, successors, its independent contractors, service providers and consultants, and anyone acting on Our behalf, and assign from any loss, liability, claim, demand, damage costs and expenses (including, but not limited to, reasonable attorneys’ fees) asserted by any entity, resulting from any claim, allegation or demand, in any way connected with Client’s use (or misuse) of Service, transactions made (or not made) through Service, any and all claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trademark infringement, or any other cause of action, arising out of or related to:
(I) Client’s use of Service;
(II) any User Content or Feedback Client provide;
(III) Client’s violation of this Contract;
(IV) Client’s violation of any rights of another; or
(V) Client’s conduct in connection with Service.
If Client are obligated to indemnify us, We will have the right, in Our sole and unfettered discretion, to control any action or proceeding and determine whether We wish to settle it, and if so, on what terms.
Security of Our Claims against Client
All Client’s funds (money, etc.) and/or Client’s rights of claim on repayment of such funds against Us, that are or will be held in Client’s Accounts, shall serve as financial collateral guarantie for the fulfilment of Client’s or closely related to the Client Client’s (“Closely Related Client”) obligations according to Contract, and shall be pledged as the Financial Pledge. Financial Pledge shall secure all Client’s or Closely Related Client’s obligations according to Contract, including future obligations. We are not liable for losses caused in connection to Financial Pledge unless inflicted with wrongful intent on Our side.
We are entitled to satisfy all claims against Client by enforcing the Financial Pledge even before the date of performance of obligations and without any prior notice in the following cases:
(I) Client or Closely Related Client, or the person acting as a surety in respect to Client’s obligations, defaults on Their obligations according to Contract;
(II) Client, Closely Related Client or the person acting as a surety in respect to Client’s obligations has applied for a legal proceeding;
(III) insolvency proceedings of Client or the person acting as a surety for the performance of obligations of Client have been initiated in accordance with the procedure specified in law, a statutory instrument or an administrative act;
(IV) reorganisation or liquidation process of Client or the person acting as a surety for the performance of obligations of Client have been initiated;
(VI) restrictions are set on Client’s – or acting as a surety in respect of Client’s obligations person’s – rights and activities, rendering financial, management and/or insurance services, including complete or partial suspension of the rendering of financial services, appointment of the authorised person of supervisory authority, or license cancellation.
Intellectual Property Rights
Service is licensed to Client on a limited, revocable, personal, non-exclusive, non-transferrable, non-assignable, royalty-free, worldwide basis.
Client access and use Service solely for approved purposes as determined by this Contract. Any other use of Service is expressly prohibited.
The materials contained in Service are protected by applicable copyright and trademark law.
Client may not copy, reverse engineer, modify, frame, scrape, rent, lease, loan, sell, distribute or create derivative works of Service’s content, in whole or in part, in any way or by any means, whether manual or automated.
Client may not use any name, mark, logo or domain name that is confusingly similar to Our marks, logos and Internet domain names. Client must refrain from any action or omission that may dilute or damage Our goodwill.
Termination of Contract
We may, without liability to Client or any Third Party, refuse to let Client open an Account, suspend Client’s Account, or terminate Client’s Account or Client’s use of Service. Such actions may be taken as a result of Account inactivity, failure to provide or update identifying information, if We believe Client’s Account has been compromised, or in order to comply with laws or regulations, or Client’s violation of the terms of Contract.
We are entitled to close Client’s Account unilaterally without prior notice if Client does not utilise Account for transactions for more than six (6) months.
Client may terminate Contract with Us at any time on the basis provided by law by closing Client’s Account and discontinuing use of Service or request to terminate Client’s Account by contacting Us via info@hawex.com.
Upon termination, suspension or cancellation on the basis of the previous clauses, Client will be denied access to Service and Client’s Account temporary or permanently.
Termination of Contract shall not entail termination of non-discharged obligations established before termination. All non-discharged obligations of the Parties established before terminating of Contract shall be discharged in accordance with the terms of Contract. Client remains liable for all transactions made while the Account was active as well as other non-discharged obligations established before termination.
If Client’s Account is closed on Our initiative or Client fails to supply Us with instructions on transfer / outpayment of the account balance, the account balance shall be kept, no interest shall be accrued on it, and the account balance shall be paid out upon Client’s request pursuant to the respective application. We are entitled to withhold charge for keeping the account balance after Account closure in accordance with Fees and Charges. Before paying the balance out, We are entitled to perform Client’s identification.
Availability, Errors and Inaccuracies, Updates and modification
Service could include technical, typographical, or photographic errors.
It is up to Client to check all information which We provide.
Service may evolve over time. This means We may make changes, replace, or discontinue (temporarily or permanently) Service at any time for any reason with or without notice. In this case, Client may be prevented from accessing or using Service. If, in Our sole discretion, We decide to permanently discontinue Service, We will provide Client with notice via Our website.
Due to the wide variety of operating systems, configurations, and unique circumstances of users it is not possible to guarantee that an update to Service will not cause unintended consequences for Client and We specifically disclaim any responsibility or liability for this risk.
We respect Client’s privacy as further explained in Our Privacy Policy.

Contacting us: info@hawex.com
Privacy
Client agrees that the present Agreement, Terms, Fees and Charges, Our Privacy Policy and other notices have been drawn up in English. Although translations to other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, Client agrees that in the event of any conflict, inconsistency, contradiction, ambiguity or doubt between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.
The present Agreement, Terms, Fees and Charges, Our Privacy Policy and other notices as well as their separate provisions should be interpreted according to the ordinary natural meaning of wording, overall nature and purposes of the documents and business common sense as an ordinary reasonable and decent person would understand them.
Governing Language and Translation. Interpretation
Regardless Client’s place of residence or where Client accesses or use Service, this Contract is governed by the laws of the United Arab Emirates.
In accordance with art. 5(2) of the Law No. (16) of 2011 of Emirate Dubai, the Parties expressly agreed, that the Court of First Instance of the Dubai International Financial Centre has exclusive and sole jurisdiction over any dispute, claim or controversy relating to Product or with respect to any matter relating to this Contract. You hereby expressly consent to personal jurisdiction in the United Arab Emirates and expressly waive any right to object to such personal jurisdiction or bring any proceeding before any other court of any other jurisdiction.
Any dispute, claim or controversy (“Claim”) relating to Service or with respect to any matter relating to this Contract shall be resolved by the Parties through negotiations.
Notwithstanding the foregoing, We may lodge Claim against Client pursuant to the indemnity clause above in any court adjudicating Claim against us.
Our failure to enforce any right or provision of Contract will not be considered a waiver of those rights. If any provision of Contract is held to be invalid or unenforceable by a court, the remaining provisions of Contract remain in effect.
Governing Law, Jurisdiction, Disputes Resolution
In the event that We are acquired by or merged with a Third-Party entity, We reserve the right, in any of these circumstances, to transfer or assign the information We have collected from Client as part of such merger, acquisition, sale, or other change of control.
Change of Control
Please be aware that We may revise Contract from time to time. Therefore, We reserve the right, at Our sole discretion, to update, change or replace any part of this Contract by posting updates and changes. Client might be notified about the updates of Contract, but it is Client’s responsibility to check periodically for changes.
We shall not be responsible for Client’s losses or other expenses, should Client fail to familiarise itself with amendments to Contract.
We advise Client to revisit Agreement and the Terms pages as well as Fees and Charges page on Our website hawex.com from time to time to make sure Client are familiar with the current version of Contract. The effective date which is at the top of the document informs Client about the latest versions. Client’s continuing use of Service following the posting of any changes to Contract constitutes acceptance of those changes.
Whether Client disagree to the amendments, it shall be entitled to terminate its business relations with Us that are affected by the proposed amendments immediately, before the day on which amendments become effective, without sanctions applied. Should the relations be terminated, Client shall submit all required documents to Us and take all required steps to discharge the obligations arising out of the legal relations between the Parties.
Amendments to Contract shall not apply to the transactions that have been executed and completed before the date on which amendments to Contract enter into effect.
Changes to this Contract