Draft — not yet reviewed by counsel. This document is a structural template. Every value in [square brackets] still needs filling in, and the terms must be reviewed against the jurisdictions X-TENDS operates in before publication.
1. Acceptance of these terms
These terms are a legal agreement between you and [X-TENDS legal entity name] ("X-TENDS", "we", "us"), registered at [registered address] under company number [company registration number].
By accessing or using this website you agree to these terms. If you do not agree to them, please do not use the site.
2. What these terms cover — and what they do not
These terms govern this website only: the pages, content and forms published at [website domain].
They do not govern:
- Any licence to use NOOR, UBIL or the Super App Platform
- Any digital banking delivery, implementation, migration or support engagement
- Any partner, reseller or connector certification arrangement
Those are governed exclusively by the separate written agreement signed between X-TENDS and the relevant institution or partner. Where anything on this website conflicts with such an agreement, the signed agreement prevails.
3. Permitted use
You may view, download and print material from this site for your own internal evaluation and business purposes. You may not:
- Copy, republish or redistribute content commercially without our written permission
- Use the site in a way that damages, disables, overburdens or impairs it
- Attempt to gain unauthorised access to any part of the site or its underlying systems
- Use automated means to scrape or harvest content, except for well-behaved search engine indexing
- Remove or obscure any copyright, trade mark or other proprietary notice
- Use the site for any unlawful purpose, or in breach of applicable sanctions or export controls
4. Enquiries you submit
When you submit a demo request, partnership enquiry or other form, you confirm that the information you provide is accurate and that you are authorised to provide it on behalf of the organisation named.
Do not submit confidential information through this website. Our forms are not a secure channel for bank-confidential material, customer data, credentials, or anything covered by a non-disclosure agreement. Where a discussion needs to cover confidential detail, we will put an appropriate agreement in place first.
Submitting an enquiry does not create any contractual obligation on either side, and does not oblige us to respond or to provide any service.
5. Intellectual property
All content on this website — text, graphics, diagrams, screen designs, logos, and the underlying code — is owned by X-TENDS or its licensors and protected by intellectual property law. "X-TENDS", "NOOR", "UBIL" and associated logos are trade marks of X-TENDS. Other product and company names may be trade marks of their respective owners, referenced here for identification only.
Nothing on this site grants you any licence or right to use those marks or that content beyond the permitted use described in section 3.
6. Third-party links and references
This site may link to, or name, third-party systems and organisations — for example core banking platforms we integrate with. Those references are for identification and do not imply endorsement, partnership or certification unless we say so explicitly. We are not responsible for the content, availability or practices of any third-party site.
7. Availability of the site
We aim to keep this website available but do not guarantee uninterrupted access. We may suspend, withdraw or change any part of it, or restrict access, without notice. Content may be updated at any time and may be out of date at the moment you read it.
8. Disclaimers
The content on this site is provided for general information about our products and services. It is not professional, financial, regulatory or legal advice, and you should not act on it without appropriate advice for your own circumstances.
Product descriptions, capability statements, architecture diagrams and performance figures on this site are indicative. Actual capability, deployment model, integration scope and performance depend on the bank's environment and on what is agreed in the signed contract. To the fullest extent permitted by law, the site is provided "as is" without warranties of any kind, express or implied.
9. Limitation of liability
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded.
Subject to that, and to the fullest extent permitted by law, X-TENDS is not liable for any indirect or consequential loss, or for loss of profit, revenue, business, goodwill, anticipated savings or data, arising from your use of this website. Our total aggregate liability in connection with this website is limited to [cap amount].
Liability arising under a signed services or licence agreement is governed by the limits set out in that agreement, not this one.
10. Indemnity
You agree to indemnify X-TENDS against any claim, loss or expense arising from your breach of these terms or your unlawful use of this website.
11. Privacy and cookies
Our handling of personal data is described in the Privacy Policy, and our use of cookies in the Cookie Policy. Both form part of these terms.
12. Governing law and jurisdiction
These terms and any dispute arising from them are governed by the laws of [governing law jurisdiction]. The courts of [jurisdiction] have exclusive jurisdiction, except that we may bring proceedings to protect our intellectual property in any competent court.
13. Changes to these terms
We may revise these terms at any time by updating this page. The effective date above shows the current version. Continued use of the site after a change means you accept the revised terms.
14. Contact
Questions about these terms: [legal contact address]
Post: [X-TENDS legal entity name], [registered address]