Effective Date: 17-05-2025

Welcome to Torus Gateway Financial Brokers LLC (“we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your use of our financial and banking services, digital platforms, websites, and mobile applications (collectively, the “Services”). By using our Services, you agree to be bound by these Terms.

1. Eligibility

You must be:

  • At least 21 years old or the age of majority in your jurisdiction,
  • Legally capable of entering into binding contracts,
  • Not barred under any applicable laws or regulations in the UAE or your home country.

2. Compliance with Laws

You agree to comply with:

  • All UAE federal laws including the Central Bank of UAE regulations,
  • UAE’s Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws,
  • International sanctions and FATF recommendations as adopted in the UAE.

We reserve the right to report any suspicious activity to relevant UAE authorities.

3. User Accounts

You must provide accurate and complete information to open and maintain an account. You are responsible for:

  • Maintaining confidentiality of login credentials,
  • All activities under your account,
  • Notifying us immediately of any unauthorized access or security breaches.

We may suspend or terminate accounts that provide false or misleading information.

4. Services Provided

We offer a range of financial services including but not limited to:

  • Personal and business banking,
  • Payment services,
  • Currency exchange,
  • Investment services,
  • Digital wallet and mobile banking solutions.

Each service may have additional terms which you agree to upon use.

5. Fees and Charges

All fees, commissions, interest rates, and other charges will be communicated:

  • Through official channels (website, apps, statements),
  • Subject to change with notice, as permitted under UAE law.

You are responsible for reviewing and accepting such updates.

6. Data Privacy & Confidentiality

We comply with UAE data protection regulations. Your personal and financial data:

  • Is stored securely,
  • Will not be shared without your consent unless required by law or regulatory authorities.

Please review our [Privacy Policy] for more information.

7. Prohibited Use

You agree not to use our Services for:

  • Money laundering or terrorism financing,
  • Fraudulent or unlawful activities,
  • Trade in prohibited goods or services (e.g., drugs, weapons, gambling),
  • Bypassing UAE sanctions or international laws.

Violation of this clause may result in account suspension, reporting to authorities, and legal action.

8. Limitation of Liability

To the extent permitted by UAE law:

  • We shall not be liable for any indirect, incidental, or consequential damages,
  • We do not guarantee uninterrupted or error-free service,
  • We are not liable for loss due to cyber attacks, system downtime, or unauthorized access, unless caused by our gross negligence.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, or damages arising out of:

  • Your misuse of our Services,
  • Breach of these Terms,
  • Violation of applicable laws.

10. Termination

We reserve the right to:

  • Suspend or close your account for any violation of these Terms,
  • Terminate services with reasonable notice or immediately in case of fraud or legal breach.

11. Governing Law and Jurisdiction

These Terms are governed by:

  • The laws of the United Arab Emirates,
  • With exclusive jurisdiction granted to the Dubai Courts, unless arbitration is mutually agreed upon.

12. Changes to Terms

We may amend these Terms at any time. Notice will be provided through:

  • Email,
  • Website/app notifications.

Your continued use of Services indicates acceptance of updated Terms.

13. Contact Us

If you have any questions, please contact:

Torus Gateway Financial Brokers LLC
Rais Hasan Saadi Building – 402, 4th Floor – Khalid Bin Al Waleed Rd – Bur Dubai – Dubai – United Arab Emirates
Email: info@truelex.ae
Phone: +971585105577