Terms & Conditions
IMPORTANT- PLEASE READ CAREFULLY: These Terms & Conditions govern your access to and use of the AZ&Co. Legal website at https://www.azcolegal.com. By accessing or using this Website, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must immediately cease using this Website. These Terms do not constitute a retainer, engagement letter, or legal advice, and do not create an attorney-client relationship.
1. DEFINITIONS AND INTERPRETATION
In these Terms & Conditions, the following terms have the meanings set out below:
i. "AZ&Co. Legal," "we," "us," "our": AZ&Co. Legal and its subsidiaries, affiliates, directors, officers, employees, and authorised agents.
ii. "Website": The website accessible at https://www.azcolegal.com, including all pages, subdomains, and digital content hosted thereon.
iii. "User," "you," "your": Any individual or entity accessing or using the Website, whether or not engaged as a client.
iv. "Content": All text, graphics, images, data, software, tools, documents, articles, publications, and other materials made available on or through the Website.
v. "Services": The professional services offered by AZ&Co. Legal across its service verticals, including Legal Services, Business Setup & Corporate Solutions, Attestation Services, Visa & Immigration Services, Audit/Finance & Tax Services, and PRO & Government Services.
vi. "Engagement Letter": A separate written agreement executed between AZ&Co. Legal and a client governing the specific terms of a professional services engagement.
vii. "Intellectual Property": All patents, trademarks, service marks, trade names, copyrights, design rights, database rights, know-how, trade secrets, and all other intellectual property rights, whether registered or unregistered.
viii. "Privacy Policy": The AZ&Co. Legal Privacy Policy available at https://www.azcolegal.com/privacy-policy, as amended from time to time.
ix. "Cookie Policy": The AZ&Co. Legal Cookie Policy available at https://www.azcolegal.com/cookie-policy, as amended from time to time.
x. “Disbursements": Third-party costs and expenses incurred by AZ&Co. Legal on a client's behalf in the course of providing Services, including but not limited to government fees, court fees, translation fees, courier costs, and registration charges.
xi. "UAE": The United Arab Emirates.
References to any statute, decree, or regulation include all amendments and re-enactments. Headings are for convenience only and do not affect interpretation.
2. ACCEPTANCE OF TERMS
By accessing or using this Website in any manner - including browsing, submitting enquiries, downloading content, or using any interactive feature - you agree to be legally bound by these Terms & Conditions, together with our Privacy Policy and Cookie Policy, each of which is incorporated herein by reference.
If you are accessing or using this Website on behalf of a company, organisation, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and references to "you" shall include both you personally and that entity.
We reserve the right to amend these Terms at any time. Material changes will be notified via a prominent notice on the Website at least fourteen (14) days prior to taking effect, consistent with our Privacy Policy. Continued use of the Website following such notice constitutes acceptance of the amended Terms.
3. NATURE OF WEBSITE - NO LEGAL ADVICE
The Content on this Website is provided for general informational and marketing purposes only. Nothing on this Website constitutes or should be construed as:
i. Legal advice, whether general or specific to your circumstances;
ii. A legal opinion, legal analysis, or assessment of your rights or obligations;
iii. An offer to provide legal or professional services;
iv. The establishment of an attorney-client, solicitor-client, or any other professional relationship; or
v. A substitute for obtaining independent professional legal advice in respect of your specific situation.
No attorney-client relationship is formed by your use of this Website, submission of a contact form, or any informal communication with AZ&Co. Legal personnel through Website channels. An attorney-client relationship is only established upon the execution of a formal Engagement Letter signed by an authorised representative of AZ&Co. Legal.
You should not act or refrain from acting on the basis of any Content on this Website without first obtaining appropriate professional advice tailored to your specific circumstances. AZ&Co. Legal expressly disclaims any liability for actions taken or not taken in reliance on Website Content.
4. ACCESS AND USE OF THE WEBSITE
4.1 Permitted Use
You may access and use this Website solely for lawful purposes and in accordance with these Terms. You may use the Website to obtain general information about AZ&Co. Legal and its Services, to contact us with legitimate enquiries, and to access publicly available resources.
4.2 Prohibited Use
You must not use this Website:
i. In any manner that violates applicable UAE law, regulations, or internationally recognised legal standards;
ii. To transmit, upload, or distribute any material that is unlawful, harmful, defamatory, obscene, fraudulent, or that infringes any third party's rights;
iii. To attempt to gain unauthorised access to any part of the Website, its servers, or any system or network connected to the Website;
iv. To introduce viruses, malware, spyware, or any other malicious or technologically harmful code;
v. To use automated tools, bots, scrapers, or data-harvesting technologies to extract Content without our prior written consent;
vi. To impersonate or misrepresent your affiliation with any person or entity;
vii. To transmit unsolicited commercial communications or spam; or
viii. To interfere with, disrupt, or impose an unreasonable burden on the Website's infrastructure or the experience of other users.
4.3 Website Availability
AZ&Co. Legal does not guarantee that the Website will be available continuously, uninterrupted, error-free, or free from technical faults. We reserve the right to suspend, restrict, or withdraw access to the Website or any part of it at any time and without notice, including for maintenance, upgrades, security purposes, or at our absolute discretion. AZ&Co. Legal shall not be liable for any loss or inconvenience arising from the unavailability of the Website.
4.4 Account and Access Credentials
If any part of the Website requires registration or the use of access credentials, you are responsible for maintaining the confidentiality of those credentials and for all activities conducted under your account. You must notify AZ&Co. Legal immediately of any suspected unauthorised use of your account or any other breach of security.
5. INTELLECTUAL PROPERTY
5.1 Ownership
All Content on this Website; including but not limited to text, graphics, logos, icons, images, data compilations, software code, layout, and design is the exclusive Intellectual Property of AZ&Co. Legal or is used under licence from third-party rights holders. All such rights are reserved.
5.2 Limited Licence to Users
AZ&Co. Legal grants you a limited, non-exclusive, non-transferable, revocable licence to access and view the Content on this Website solely for your personal, non-commercial informational use. This licence does not include any right to:
i. Copy, reproduce, redistribute, republish, download, display, post, or transmit any Content in any form or by any means;
ii. Modify, adapt, translate, reverse-engineer, decompile, or create derivative works based on the Content;
iii. Use the Content for any commercial purpose or for public display; or
iv. Remove, alter, or obscure any copyright, trademark, or other proprietary notices on the Content.
5.3 Trademarks
"AZ&Co. Legal," its logo, and all related marks, trade names, and service marks used on this Website are the registered or unregistered trademarks of AZ&Co. Legal. Nothing in these Terms grants you any right to use any trademark or trade name of AZ&Co. Legal without our prior written consent. Unauthorised use constitutes infringement and may expose you to civil and criminal liability under applicable UAE law.
5.4 User Submissions
Where you submit any content, feedback, enquiry, document, or other material to AZ&Co. Legal through the Website ("User Submission"), you grant AZ&Co. Legal a non-exclusive, royalty-free, worldwide, irrevocable licence to use, reproduce, process, and retain such User Submission for the purposes of responding to your enquiry, improving our services, and complying with our legal obligations. You warrant that you own or have the necessary rights to make such User Submission and that it does not infringe any third-party rights.
6. DISCLAIMERS AND ACCURACY OF CONTENT
6.1 No Warranty
This Website and all Content are provided on an "as is" and "as available" basis without any representations or warranties of any kind, express or implied. To the fullest extent permitted by applicable UAE law, AZ&Co. Legal expressly disclaims all warranties, including:
i. Any implied warranty of merchantability, fitness for a particular purpose, or non-infringement;
ii. Any warranty that the Website or its Content will be accurate, complete, up-to-date, reliable, or free from errors;
iii. Any warranty that the Website will be free from viruses or other harmful components; or
iv. Any warranty that defects will be corrected or that the server hosting the Website is free of harmful components.
6.2 Content Accuracy
While AZ&Co. Legal endeavours to ensure that the Content on this Website is accurate and current, laws, regulations, and practices in the UAE and internationally change frequently. Content may not reflect the most recent legal developments. AZ&Co. Legal does not warrant that the Content is current, accurate, or complete and accepts no responsibility for errors or omissions. You should independently verify all information before relying on it.
6.3 Regulatory and Jurisdictional Limitations
AZ&Co. Legal is a UAE-based legal services firm. Content on this Website relates primarily to UAE law and practice. AZ&Co. Legal does not hold itself out as qualified to advise on the law of any jurisdiction other than the UAE unless expressly stated in an Engagement Letter. Website Content should not be relied upon as advice regarding the law of any other jurisdiction.
7. LIMITATION OF LIABILITY
7.1 Exclusion of Liability
To the fullest extent permitted by applicable law, AZ&Co. Legal and its affiliates, directors, officers, employees, consultants, and agents shall not be liable - whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, or otherwise - for any:
i. Loss of profits, revenue, business, contracts, or anticipated savings;
ii. Loss of data or goodwill;
iii. Business interruption or loss of business opportunity;
iv. Wasted expenditure or management time;
v. Indirect, special, incidental, punitive, or consequential loss or damage; or
vi. Any loss or damage arising from your use of, or inability to use, this Website or any Content, regardless of whether AZ&Co. Legal was advised of the possibility of such loss.
7.2 Cap on Liability
To the extent that any liability of AZ&Co. Legal to you in connection with this Website cannot be fully excluded by law, our total aggregate liability to you; whether in contract, tort, or otherwise; shall not exceed AED 1,000 (United Arab Emirates Dirhams One Thousand) in respect of any and all claims arising from your use of the Website. This cap does not apply to liability for fraud or fraudulent misrepresentation, or to liability that cannot be limited under applicable UAE law.
7.3 Reliance on Content
AZ&Co. Legal expressly excludes all liability for any loss or damage; direct or indirect; arising from any reliance placed on Content by any visitor to the Website or by anyone who may be informed of its contents. You are solely responsible for all decisions made in reliance on any information or Content obtained from this Website.
7.4 Force Majeure
AZ&Co. Legal shall not be liable for any failure or delay in the operation of the Website or in the performance of any obligation arising under these Terms where such failure or delay results from any cause beyond our reasonable control, including acts of God, governmental action, cyberattack, pandemic, or failure of third-party infrastructure.
8. THIRD-PARTY LINKS AND CONTENT
This Website may contain links to third-party websites, platforms, or resources for informational purposes only. The inclusion of any third-party link does not constitute an endorsement, recommendation, or approval by AZ&Co. Legal of the linked website, its operators, content, products, or services.
AZ&Co. Legal has no control over the content, privacy practices, security measures, or availability of any third-party website and accepts no responsibility or liability;direct or indirect; for any loss or damage arising from your access to or use of any third-party website or content. You access third-party links entirely at your own risk and subject to the terms and conditions of those third-party websites.
Where third-party content is embedded or displayed on our Website (including social media widgets, video players, or map integrations), such content is provided by the respective third-party provider and is subject to their terms of use and privacy policies. AZ&Co. Legal is not responsible for the accuracy, legality, or appropriateness of any embedded third-party content.
9. PRIVACY AND DATA PROTECTION
Your use of this Website is also governed by our Privacy Policy and Cookie Policy, each of which is incorporated into these Terms by reference and forms part of the legal framework governing your relationship with AZ&Co. Legal when using this Website. We strongly encourage you to read both documents carefully.
By using this Website, you acknowledge and consent to the collection, processing, and use of your personal data as described in the Privacy Policy. All personal data submitted through the Website is processed in accordance with UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL), Cabinet Resolution No. 33 of 2024, and any other applicable data protection legislation.
Key data protection principles applied to this Website include: (i) lawful, fair, and transparent processing; (ii) purpose limitation; (iii) data minimisation; (iv) accuracy; (v) storage limitation; (vi) security and confidentiality; and (vii) accountability. Full details are set out in our Privacy Policy.
Where you submit personal data through contact forms, subscription forms, or other Website features, you confirm that any personal data provided relates to yourself or that you have obtained the express consent of any third party whose personal data you provide. You are responsible for ensuring that all personal data submitted through the Website is accurate, complete, and lawfully provided.
10. COOKIES
This Website uses cookies and similar tracking technologies as described in our Cookie Policy, which is incorporated into these Terms. By using this Website, you acknowledge that strictly necessary cookies will be placed on your device automatically. Non-essential cookies (including functional, analytical, marketing, and third-party cookies) will only be set following your prior, explicit consent via our cookie consent mechanism.
You may manage, modify, or withdraw your cookie consent at any time using the mechanisms described in our Cookie Policy. Withdrawal of consent for non-essential cookies will not affect your ability to access the core functionality of this Website.
11. USER CONDUCT AND SECURITY
You agree to use this Website responsibly and in compliance with applicable law. You must not engage in any conduct that could damage, impair, overburden, or compromise the Website or its security, or interfere with the use of the Website by others.
AZ&Co. Legal implements reasonable technical and organisational security measures to protect the Website and its infrastructure. However, we cannot guarantee that the Website is entirely free from security vulnerabilities or that data transmitted to or from the Website is completely secure. You acknowledge that any use of the internet and submission of data via the internet carries inherent security risks that are beyond our control.
AZ&Co. Legal reserves the right to disclose your identity, usage information, or any information submitted through the Website to any competent law enforcement authority, regulatory body, or court where we are legally required to do so, or where we reasonably believe that disclosure is necessary to protect the rights, property, or safety of AZ&Co. Legal, its clients, or any third party.
12. PROFESSIONAL REGULATORY COMPLIANCE
AZ&Co. Legal is a legal services firm operating in the UAE and is subject to applicable professional conduct obligations, regulatory requirements, and licensing conditions under UAE law. Nothing on this Website overrides or modifies those professional obligations.
AZ&Co. Legal operates in full compliance with UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Countering the Financing of Terrorism and Illegal Organisations ("AML Law") and its implementing regulations. As part of our professional obligations, we are required to conduct client due diligence, KYC verification, and risk-based AML screening prior to and during any client engagement. Submission of a contact form or enquiry through this Website does not exempt any prospective client from these obligations.
We reserve the right to decline, terminate, or suspend any engagement or access to services at our absolute discretion, including where we are unable to complete satisfactory due diligence or where accepting an engagement would conflict with our professional obligations or AML requirements.
13. CONFIDENTIALITY
No duty of confidentiality is created between AZ&Co. Legal and any Website User solely by reason of accessing this Website or submitting an enquiry through Website channels, unless and until a formal Engagement Letter is executed. Any information you submit via the Website prior to formal engagement is not automatically treated as confidential client information under professional privilege.
Where a formal client relationship has been established via Engagement Letter, confidentiality obligations are governed by the terms of that Engagement Letter and applicable professional conduct rules, not these Website Terms.
You should not submit sensitive, privileged, or legally significant information through Website contact forms or general enquiry channels. AZ&Co. Legal accepts no responsibility for the confidentiality of information submitted through unsecured or general Website channels prior to formal engagement.
14. INDEMNITY
You agree to indemnify, defend, and hold harmless AZ&Co. Legal and its affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
i. Your access to or use of this Website in breach of these Terms;
ii. Any User Submission made by you or transmitted through your account;
iii. Your infringement of any Intellectual Property right of AZ&Co. Legal or any third party;
iv. Your violation of any applicable law or regulation; or
v. Any claim by a third party arising from information or data submitted by you through the Website.
This indemnity obligation survives termination of these Terms and any cessation of your use of the Website.
15. TERMINATION AND SUSPENSION OF ACCESS
AZ&Co. Legal reserves the right, in its absolute discretion and without notice or liability, to terminate, restrict, or suspend your access to the Website or any part thereof at any time, including where:
a. You have breached or are suspected of breaching any provision of these Terms;
b. Your use of the Website is unlawful or potentially harmful to AZ&Co. Legal or any third party;
c. AZ&Co. Legal is required to do so by any applicable law, court order, or regulatory direction; or
d. AZ&Co. Legal decides to discontinue the Website or any part of it.
Upon termination of your access, all rights granted to you under these Terms immediately cease. Provisions of these Terms that by their nature should survive termination (including Sections 5, 7, 9, 13, 14, and 16) shall continue in full force and effect.
16. FEES, INVOICING AND PAYMENT
16.1 Fee Basis
All fees for Services provided by AZ&Co. Legal are as agreed in the applicable Engagement Letter or as quoted in a formal written proposal. No fee obligation arises from a website enquiry, contact form submission, or informal communication alone. Fees quoted on the Website, if any, are indicative only and do not constitute a binding offer unless confirmed in a signed Engagement Letter.
16.2 Value Added Tax (VAT)
AZ&Co. Legal is not currently registered for Value Added Tax (VAT) under UAE Federal Decree-Law No. 8 of 2017 on Value Added Tax. All fees quoted are currently exclusive of VAT. Upon VAT registration, AZ&Co. Legal expressly reserves the right to add VAT at the applicable prevailing rate (currently 5%) to all fees, including fees under existing engagements, without requiring a variation to the relevant Engagement Letter. Clients will be notified of VAT registration prior to any VAT-inclusive invoicing being issued. It is your responsibility to account for any VAT implications applicable to your own business.
16.3 Invoicing
AZ&Co. Legal will issue invoices in accordance with the payment schedule set out in the applicable Engagement Letter, or as otherwise agreed in writing. Invoices are issued in UAE Dirhams (AED) unless an alternative currency is expressly agreed in writing. All invoices must be reviewed upon receipt. Any disputed amount must be notified to AZ&Co. Legal in writing within seven (7) calendar days of the invoice date. Failure to raise a dispute within this period shall constitute acceptance of the invoiced amount in full.
16.4 Payment Terms
Unless otherwise specified in the Engagement Letter, all invoices are due and payable within fourteen (14) calendar days of the invoice date. Time of payment is of the essence. AZ&Co. Legal reserves the right to:
i. Suspend or cease work on any matter where payment is overdue, without liability for any consequential delay or loss to the client;
ii. Charge interest on overdue amounts at a rate of 5% per annum above the prevailing UAE Central Bank base rate, calculated daily from the due date until actual payment is received;
iii. Apply any payment received to the oldest outstanding invoice first, regardless of any contrary instruction from the client; and
iv. Withhold the release of any documents, files, work product, or deliverables until all outstanding amounts owed to AZ&Co. Legal have been paid in full.
17. PAYMENT METHODS
17.1 Accepted Payment Methods
AZ&Co. Legal currently accepts payment via the following methods, as specified on the relevant invoice or payment page:
• (insert payment methods we will be using)
• (insert payment methods we will be using)
17.2 Payment Gateway: Third-Party Processing
Where payment is made via an online payment gateway, you acknowledge and agree that:
i. Payment processing is carried out by an independent third-party provider and is governed by that provider's own terms of service and privacy policy;
ii. AZ&Co. Legal does not store, process, or have access to your full payment card details. Card data is handled exclusively by the gateway provider in accordance with Payment Card Industry Data Security Standards (PCI-DSS);
iii. AZ&Co. Legal is not liable for any loss, error, unauthorised access, or failure arising from the gateway provider's processing systems or security infrastructure;
iv. Payment is not confirmed until AZ&Co. Legal receives a successful payment notification from the gateway provider; a completed transaction on your device does not constitute confirmed receipt until that notification is received; and
v. AZ&Co. Legal reserves the right to change its payment gateway provider at any time without notice.
17.3 Bank Transfer - Identification of Funds
You are responsible for ensuring that the correct invoice reference number is included with every bank transfer. AZ&Co. Legal is not obligated to allocate unidentified funds to any specific invoice or matter. Unidentified funds will be held in a suspense account while AZ&Co. Legal makes reasonable efforts to identify the payer. If funds remain unidentified for thirty (30) calendar days, AZ&Co. Legal reserves the right to return the funds less any bank charges incurred.
17.4 Currency and Exchange
All payments are to be made in UAE Dirhams (AED) unless an alternative currency is expressly agreed in the Engagement Letter. Where payment is received in a foreign currency, it will be converted to AED at the prevailing exchange rate at the time of receipt. Any shortfall arising from exchange rate movement or bank conversion fees is your sole responsibility.
17.5 Chargebacks and Payment Disputes
If you initiate a chargeback or payment reversal through your bank or card issuer in respect of a payment made to AZ&Co. Legal, you must notify AZ&Co. Legal in writing simultaneously. Initiating a chargeback without prior written notice and without legitimate basis constitutes a breach of these Terms. AZ&Co. Legal reserves the right to:
i. Suspend all Services immediately upon notification of a chargeback;
ii. Recover the full amount of the chargeback together with any associated bank fees, reversal charges, and administrative costs;
iii. Pursue recovery through legal proceedings where the chargeback is determined to be without merit; and
iv. Report fraudulent or bad-faith chargebacks to relevant regulatory or law enforcement authorities.
18. RETAINERS AND ADVANCE PAYMENTS
Where an Engagement Letter provides for a retainer or advance payment, the following terms apply:
i. Retainer amounts are held by AZ&Co. Legal and applied against fees and Disbursements as they accrue in accordance with the Engagement Letter;
ii. AZ&Co. Legal will provide a periodic statement of retainer utilisation upon written request or as agreed in the Engagement Letter;
iii. Where a retainer is exhausted, AZ&Co. Legal reserves the right to require a top-up before continuing work on the matter;
iv. Retainers are not held in a separate client account unless expressly agreed in the Engagement Letter and required by applicable law or regulatory guidance; and
v. Upon conclusion of an engagement, any unutilised retainer balance will first be applied against all outstanding fees and Disbursements. Any net balance will be returned to the client within thirty (30) calendar days, subject to the provisions of Section 19.
19. REFUNDS AND CANCELLATIONS
19.1 General Position
Given the nature of professional legal services, AZ&Co. Legal does not operate a standard right-of-return or automatic refund policy. Refunds are assessed on a case-by-case basis at the sole and absolute discretion of AZ&Co. Legal, having regard to the factors set out in this Section. The exercise of discretion in favour of a refund in any particular case does not create an obligation, precedent, or entitlement to a refund in any future case.
19.2 Cancellation Before Work Commences
Where a client cancels an engagement in writing before any substantive work has commenced and before any Disbursements have been incurred or committed, AZ&Co. Legal will consider a refund of any advance payment or retainer paid, less:
i. A reasonable administrative fee to cover onboarding, KYC/AML processing, file opening, and engagement preparation costs (minimum AED 500 or as specified in the Engagement Letter);
ii. Any non-refundable third-party fees, Disbursements, or government fees already committed or paid on the client's behalf; and
iii. Any time already recorded by AZ&Co. Legal personnel in connection with the matter, billed at the applicable hourly rate set out in the Engagement Letter.
19.3 Cancellation After Work Has Commenced
Where a client cancels or terminates an engagement after substantive work has commenced, no automatic refund entitlement arises. AZ&Co. Legal will invoice for all work completed to the date of termination, all Disbursements incurred, and all non-recoverable third-party commitments made on the client's behalf. Any advance payment or retainer held will be applied against this amount. A refund of any remaining balance will be considered at AZ&Co. Legal's absolute discretion.
19.4 Fixed-Fee Services
Where Services are provided on a fixed-fee basis and work has commenced, the full fixed fee is payable regardless of the stage of completion at the time of cancellation, unless AZ&Co. Legal expressly agrees otherwise in writing. Where AZ&Co. Legal is unable to complete a fixed-fee engagement due to circumstances within its own control, a pro-rata refund reflecting work not completed will be offered.
19.5 Non-Refundable Items
The following are non-refundable in all circumstances:
i. Government fees, registration fees, court fees, notarisation fees, and attestation charges paid to third parties on the client's behalf;
ii. Third-party professional fees (translators, process servers, experts) committed or paid;
iii. Visa application fees and related government charges under all circumstances, including where an application is unsuccessful;
iv. Any courier, shipping, or document handling fees incurred; and
v. Administrative onboarding and KYC/AML processing fees.
19.6 Refund Process and Timeline
Approved refunds will be processed within thirty (30) calendar days of written confirmation of approval by AZ&Co. Legal. Refunds will be made using the same payment method used for the original payment where technically feasible. Where payment was made via a payment gateway, refunds are subject to that provider's processing timelines and any applicable processing fees, which will be deducted from the refund amount. AZ&Co. Legal is not responsible for delays attributable to the gateway provider or the client's bank.
19.7 How to Request a Refund or Cancellation
All refund and cancellation requests must be submitted in writing to Arun.m@azcolegal.com, marked for the attention of the Head of Legal & Compliance. Requests must include: (i) client name; (ii) matter reference number; (iii) invoice number(s); (iv) amount claimed; and (v) full reasons for the request. Incomplete requests will not be processed until all required information is provided. AZ&Co. Legal will acknowledge receipt within three (3) business days and communicate its decision within twenty-one (21) calendar days of receiving a complete request.
19.8 Consumer Protection Compliance
Nothing in this Section limits or excludes any rights you may have under UAE Federal Law No. 15 of 2020 on Consumer Protection and its Executive Regulations ("Consumer Protection Law") that cannot be excluded or restricted by contract. Where a conflict exists between these Terms and any mandatory provision of the Consumer Protection Law, the Consumer Protection Law shall prevail to the extent of the conflict. AZ&Co. Legal complies with its obligations under the Consumer Protection Law and the supervision of the UAE Ministry of Economy and relevant emirate-level consumer protection authorities.
20. DATA PROTECTION IN PAYMENT PROCESSING
Personal and financial data collected in connection with payment processing — including name, contact details, billing address, and transaction records — is processed in accordance with our Privacy Policy and UAE Federal Decree-Law No. 45 of 2021 (PDPL). The lawful basis for processing payment data is the performance of a contract and compliance with our legal and regulatory obligations.
Payment card data is processed exclusively by our third-party payment gateway provider. AZ&Co. Legal does not store full card numbers, CVV codes, or other sensitive authentication data on its own systems. Transaction records (amount, date, reference, and payer identity) are retained by AZ&Co. Legal for a minimum of seven (7) years in accordance with UAE financial record-keeping obligations and our standard retention policy.
Where payment processing involves the transfer of personal data to a gateway provider or financial institution located outside the UAE, such transfer is made in accordance with Section 7 of our Privacy Policy and the cross-border data transfer framework under PDPL and Cabinet Resolution No. 33 of 2024.
For queries regarding the handling of your financial data, please contact our Data Protection Officer at aleena.zahid@azcolegal.com
21. GOVERNING LAW AND DISPUTE RESOLUTION
21.1 Governing Law
These Terms & Conditions, their subject matter, and their formation are governed by and construed exclusively in accordance with the laws of the United Arab Emirates, including applicable federal laws and the laws of the Emirate of Dubai, without regard to any conflict of laws principles.
21.2 Exclusive Jurisdiction — Dubai Courts
The courts of the Emirate of Dubai, UAE, shall have exclusive jurisdiction to settle any and all disputes, claims, or matters (whether contractual or non-contractual) arising out of or in connection with these Terms, their subject matter, formation, or enforceability. You irrevocably and unconditionally submit to the exclusive jurisdiction of the Dubai courts and waive any objection to proceedings in those courts on grounds of inconvenient forum or otherwise.
21.3 Good Faith Negotiation
Before initiating formal legal proceedings, both parties agree to attempt in good faith to resolve any dispute through direct written negotiation. A party seeking to initiate proceedings must first issue a formal written notice of dispute to the other party. If the dispute is not resolved within thirty (30) calendar days of that notice, either party may proceed to file a claim before the competent Dubai court. This negotiation obligation does not prevent either party from seeking urgent interim or injunctive relief from a Dubai court at any time.
21.4 No Arbitration
These Terms do not include an arbitration agreement. All disputes arising under or in connection with these Terms shall be resolved exclusively through the courts of the Emirate of Dubai. No dispute shall be referred to arbitration without a separate written arbitration agreement signed by an authorised representative of AZ&Co. Legal at the time the dispute arises.
21.5 Free Zones
Where AZ&Co. Legal is engaged in connection with matters specifically arising within the Dubai International Financial Centre (DIFC) or the Abu Dhabi Global Market (ADGM), the applicable free zone law and court jurisdiction may apply to those specific engagement matters only, as expressly set out in the relevant Engagement Letter. These Website Terms and all matters arising from them remain exclusively subject to the courts of the Emirate of Dubai in all circumstances.
22. GENERAL PROVISIONS
22.1 Entire Agreement
These Terms & Conditions, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and AZ&Co. Legal in relation to your use of this Website and supersede all prior agreements, representations, and understandings in that regard. They do not govern any professional services engagement, which is exclusively governed by the applicable Engagement Letter.
22.2 Severability
If any provision of these Terms is found by a competent authority to be invalid, unlawful, or unenforceable, that provision shall be deemed severed from the remaining Terms, which shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable, or, if modification is not possible, removed.
22.3 No Waiver
No failure or delay by AZ&Co. Legal in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy, nor shall any single or partial exercise preclude any further exercise of the same or any other right or remedy. Waivers must be given in writing to be effective.
22.4 Assignment
You may not assign, transfer, sub-licence, or otherwise deal in any of your rights or obligations under these Terms without the prior written consent of AZ&Co. Legal. AZ&Co. Legal may assign or transfer its rights and obligations under these Terms without your consent in connection with a merger, acquisition, restructuring, or sale of all or substantially all of its assets, provided that your rights are not materially prejudiced.
22.5 Relationship of Parties
Nothing in these Terms creates or implies any partnership, joint venture, agency, employment, or franchise relationship between you and AZ&Co. Legal. Neither party has authority to bind the other in any manner whatsoever by reason of these Terms alone.
22.6 Third-Party Rights
These Terms do not confer any rights on any third party. No person who is not a party to these Terms shall have any right to enforce any provision of these Terms under any applicable law.
22.7 Language
These Terms are drafted in English. In the event of any conflict between an English version and any translated version of these Terms, the English version shall prevail.
23. CHANGES TO THESE TERMS
AZ&Co. Legal reserves the right to amend, update, or replace these Terms at any time. Material changes will be communicated via a prominent notice on the Website or by email (where we hold your contact details) at least fourteen (14) days before the revised Terms take effect. Non-material changes (such as typographical corrections or structural reformatting) may take effect immediately.
Your continued use of the Website after any such changes constitutes your binding acceptance of the revised Terms. If you do not accept the revised Terms, you must immediately cease accessing and using the Website. The date at the top of this document reflects the most recent revision.
24. CONTACT AND LEGAL NOTICES
For general enquiries regarding these Terms, or to report any concerns about Website content or conduct, please contact us:
Organisation: AZ&Co. Legal
DPO Name: Aleena Zahid
Email: aleena.zahid@azcolegal.com
Address: 217-54, Business Village Block B, Port Saeed, Deira,
Dubai, United Arab Emirates
Formal legal notices served on AZ&Co. Legal must be delivered in writing to the registered address above or to Arun.m@azcolegal.com, marked for the attention of the Head of Legal & Compliance. Notices sent by email are deemed received upon delivery confirmation. Notices sent by post are deemed received five (5) business days after dispatch by registered mail.
These Terms & Conditions are effective as of 09 March 2026 and govern all use of the AZ&Co. Legal website from that date.
© 2026 AZ&Co. Legal. All rights reserved.
Last Updated: 09/03/2026