# Terms and Conditions – Sail Wealth Finance

These Terms and Conditions govern your use of our website, [www.sailwealthfinance.com](http://www.sailwealthfinance.com) (the “Website”) and your relationship with Sail Wealth Finance LLC (“we”, “us” or “our”). Please read these terms carefully, as they affect your rights and obligations under UAE law.

If you do not agree with these Terms, please do not use the Website, join our programs, or purchase any of our services.

Please also review our [Privacy Policy](https://sailwealthfinance.com/privacy-policy) and [Cookies Policy](https://sailwealthfinance.com/cookies-policy) to understand how we collect, process, and protect your data.

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## 1. Introduction

These terms and conditions apply between you, the User of this Website (including any sub-domains, unless otherwise stated), and Sail Wealth Finance, the owner and operator of this Website.

By using the Website, you agree to be bound by these terms. If you do not accept these terms, stop using the Website immediately.

You must be at least 18 years old to use this Website. By using the Website, you confirm that you are 18 or older.

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## 2. Intellectual Property & Acceptable Use

All content on the Website, unless uploaded by Users, is the property of Sail Wealth Finance or its content providers. This includes text, images, videos, PDFs, downloads, audio files, layout, branding, and educational material.

You may:

* View and display content on your personal device

* Print one copy of any downloadable material for personal use only

You must not:

* Share, copy, modify, or distribute any of our content for commercial purposes without written consent

* Misrepresent our content or use it as your own

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## 3. Advice Disclaimer

We are financial coaches, not licensed or certified financial advisors (CFAs, CFPs, CPAs, or otherwise). We provide educational content and coaching support, but do not offer personalised investment advice. Before making any financial decisions, please consult a qualified financial advisor licensed in your country of residence.

Investing carries risk. Past performance is not a guarantee of future returns, and you may lose money.

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## 4. Prohibited Use

You may not use this Website to:

* Violate any applicable UAE or international laws

* Disrupt the functionality of the Website

* Upload or share malicious or harmful content

* Infringe on copyrights or intellectual property rights

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## 5. Signing Up

When signing up, you agree to provide accurate, complete details and to keep them updated.

We reserve the right to suspend or cancel access to our services at our discretion if these terms are breached.

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## 6. Cancellation Policy

Subscriptions (monthly or 3-month plans) can be cancelled at any time by emailing [[email protected]](mailto:[email protected]). Once cancelled, no further charges will occur. You will retain access to your materials until the end of your current billing cycle.

Subscriptions cannot be paused. You’re welcome to rejoin anytime (subject to availability).

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## 7. Refund Policy

Sail Wealth Finance coaching programs, including digital products, courses, and subscriptions, are non-refundable. As a service tailored to each user and delivered digitally, all sales are final. However, you may cancel future payments at any time.

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## 8. No Warranties

The information and materials on our Website are provided “as is” and for general informational purposes only.

We do not guarantee:

* That the information is always accurate or complete

* That the site will be error-free or uninterrupted

* That using our material will result in any specific financial outcome

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## 9. Limitation of Liability

We accept no liability for:

* Any losses arising from your reliance on our information

* Business losses, lost income, or missed financial opportunities

* Any actions you take (or fail to take) based on our content

* Any damage caused by software, viruses, or links to external sites

Nothing in these terms excludes liability for fraud or death caused by negligence, where applicable under UAE law.

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## 10. Personal Plans & Coaching

All financial plans, recommendations, or email responses provided by Sail Wealth Finance are educational in nature, based on the information you voluntarily provide.

You are responsible for ensuring the accuracy of what you share with us and for interpreting any plans within the broader context of your financial circumstances.

We do not guarantee that our programs will deliver specific financial results. Testimonials reflect individual journeys, not guaranteed outcomes.

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## 11. Use of Content

Any content we produce – including e-books, templates, videos, and downloads – is protected by copyright and intended for your personal use only. It must not be copied, resold, or shared publicly without written permission.

If you submit a testimonial, comment, or case study, you grant us permission to use it for promotional purposes unless otherwise agreed.

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## 12. Availability & Changes

We may modify, update, or remove elements of our Website or services without notice.

While we aim to provide uninterrupted access, we are not liable for downtime or technical issues beyond our control.

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## 13. Termination of Services

We reserve the right to suspend or terminate your access to services if your behaviour is deemed inappropriate, harmful, or in violation of UAE law or these terms.

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## 14. Feedback & Testimonials

By submitting feedback or testimonials, you agree we may use them (without revealing sensitive personal information) for marketing purposes, social media, or internal improvements.

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## 15. General

* Subscription payments are processed via Stripe

* We may revise these Terms and Conditions without prior notice. Updates will take effect upon publication.

* These Terms are governed by the applicable laws of the United Arab Emirates.

* If any provision of these terms is found to be unlawful, the remaining sections will remain in full force.

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## Final Note on Responsibility

By using our Website or signing up for services, you accept full personal responsibility for your financial decisions. You understand that Sail Wealth Finance does not act as a regulated financial institution, and nothing we provide constitutes official advice.

We’re here to coach, guide, and educate – not to manage your money for you.