You are expected to read these terms carefully before accessing www.homeschooling.empay.ae If you are below 18 years of age please request your parent or guardian to go through these terms. You shall not continue to avail the services or access this website if you or your parent/ guardian does not agree with any of the terms and conditions herein. On accessing the website and services, you are presumed to have read and accepted the terms and conditions.

1. Introduction and Application of Terms of Use

1.1. www.homeschooling.empay.ae is product of Empay – The Emirates Payment Services LLC, a subsidiary of Dubali Economy Department, 207 A, Business Village, Deira, Dubai, UAE and any reference of “Homeschooling”, “Website” “Site”, “We”, Us”, or “Our” shall mean and refer to www.homeschooling.empay.ae and the domain owner The Emirates Payment Services LLC, its management, employees, agents and permitted assigns. The terms “You”, “User”, shall mean any student accessing and availing the services of www.homeschooling.empay.ae and shall include the parent/guardian who pays for the services. Since majority of the students who avails services from us are under the age of 18, the parent/ guardian hereby agrees to be bound by these terms of usage for all purposes.

The Services shall be terminated as per below:

12.1 By availing this service, you hereby expressly and unconditionally submit yourself to the UAE Federal Laws of United Arab Emirates as applicable in the Emirate of Dubai and subject to the Courts of Dubai in relation to any disputes in this regard.

13.Terms and Conditions for Empay Contests / Promotions / Offers

Entry into any Contest/ Promotion/Offer organized by Empay is deemed acceptance of these T&Cs and any amendments, additions, replacements, variations and modifications hereto, which shall be final and binding in all respects on each participant. Empay reserves the right to refuse entry or to refuse to award the prize to anyone in breach of these terms and conditions. To be eligible for this Contest/Promotion/Offer, participant/user must have successfully downloaded the Empay app and set the profile to public for us to view your entries before the cut-off time. Empay reserves the right, at any time in its sole and absolute discretion, to substitute, withdraw, add to or alter any of the prizes/offer without notice to the participants/app users. Empay’s decision on the winners is final and no correspondence will be entertained. Empay’s decision at all stages of the Contest/Promotion/Offer is final. No enquiries/ appeals, verbal or written, shall be entertained. The participants/ app users shall accept and abide by any and all decisions made by Empay concerning, without limitation, these terms and conditions, the rules, procedures and regulations of the Contest/Promotion/Offer, the award of prizes and any other matters relating to the Contest. Empay will endeavor to announce the winners of the Contest as per stipulated date and time and reserves the right, in its sole and absolute discretion, to announce the winners by another mode in such circumstances as Empay may deem appropriate. Participant affirms the accuracy of all information provided at the time of Contest/Offer/Promotion entry. Any misrepresentation of any fact or particulars (deemed material by Empay) shall result in disqualification and/or the forfeiture, withholding, withdrawal or reclaiming of any prizes won.

By entering the Contest/Offer/Promotion, each participant agrees that:

Empay will collect, use, disclose and share amongst themselves and their respective service providers, the participant’s personal data, including the photographs or audio-video or other recordings of these participants (“Material”) for publicity and/or use in advertisements across all media, including, without limitation, in publications, presentations, promotional materials on their websites, in its original or edited format, and whether to promote the Contest or otherwise without further notification, remuneration or compensation; and the copyright and all other intellectual property rights in and to all Material shall vest solely and absolutely in Empay without further compensation. Empay shall not be liable for any loss (including, without limitation, indirect or consequential loss), damage, personal injury or death in connection with the Contest/Offer/Promotion.If applicable, all warranty claims in regards to a prize should be directed to the applicable manufacturer. Prizes are not transferable or exchangeable and non-cash prizes cannot be exchanged for cash. Empay accepts no responsibility for any tax or other liability that may arise from the prize winnings. Prizes are subject to availability and Empay has the right to substitute any prize for a comparable prize of equal or greater value to be awarded in lieu, subject to any applicable law. Winners are required to show their user name on their Social Media account for the purpose of verification & audit. Any employee of Empay/Emcredit and their respective family members cannot take part in any Contest/Offer/Promotion organized by Empay/Emcredit.