TERMS OF USE - IRAIC SME Stock Exchange

This  website, www.iraic.com, www.iraicbank.com, www.iraic.trade www.smestockexchange.com (the “Website”), is owned and operated  by Iraic SME Stock Exchage DC. ("ISSE")., a Private and Decentralized Company from Bahrain.

This  Terms, Conditions and Website Disclaimer (“Agreement”), applies to any  and all websites operated by Iraic SME Stock Exchage DC. ("ISSE"). and/or its  subsidiaries that this Agreement appears on (“ISSE”).

This  Agreement is a legal contract between you and ISSE and applies to your  use of the Website, including any information and materials therein and  any software that ISSE makes available that allows you to access the  Website from a mobile device (“App”). Unless otherwise noted, all  references to “Website” shall include any App and any information or  materials available via the Website or an App. By accessing all or any  part of this Website, you fully accept and agree to comply with all of  the terms and conditions set out in this Agreement. You may not use this  Website except as expressly provided in this Agreement. If you do not  agree to this Agreement, you are not authorized to access and use this  Website and should exit immediately. PLEASE READ THIS AGREEMENT  CAREFULLY.

This  Agreement does not govern your use of Web ISSE, your use of which is  governed by any (i) Web ISSE terms and policies as may be applicable and  (ii) agreements you have entered to access and use Web ISSE.

Our  Privacy Policy describes the personal information we collect when you  and others use this Website, how we use that personal information, and  some of the steps we take to protect your privacy. The Privacy Policy is  incorporated in this Agreement. Please review the Privacy Policy before  using this Site.

Similarly,  certain features of this Website may require you to establish an  account and agree to special terms governing your use of the special  features, such as portals available through our Website (as described in  the “Registration” section of this Agreement). In such cases, you may  be asked to expressly consent to the special terms, for example, by  checking a box or clicking on a button marked “I agree.” If any special  term conflicts with a term in this Agreement, the special term will  override the conflicting term in this Agreement.

Your  use of the Website is at your own risk. The information and materials  have not been verified or authenticated in whole or in part by ISSE, and  they may include inaccuracies or typographical or other errors. ISSE does  not warrant the accuracy or timeliness of the information and materials  contained on the Website. ISSE has no liability for any loss of data, or  errors or omissions, whether provided by ISSE, our licensors or  suppliers or other users.

THE  WEBSITE, AND THE INFORMATION AND MATERIALS CONTAINED ON THIS WEBSITE -  INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS - ARE PROVIDED "AS IS"  AND "AS AVAILABLE." ISSE, ITS SUBSIDIARIES, AND THIRD PARTY PROVIDERS (AS  DEFINED BELOW) DO NOT WARRANT THE ACCURACY, ADEQUACY, TIMELINESS, OR  COMPLETENESS OF THE WEBSITE OR THIS INFORMATION AND MATERIALS AND  EXPRESSLY DISCLAIM LIABILITY FOR ERRORS, OMISSIONS OR OTHER DEFECTS, OR  DELAYS OR INTERRUPTIONS IN THE WEBSITE OR THIS INFORMATION AND  MATERIALS. ICE DOES NOT VERIFY ANY DATA AND DISCLAIMS ANY OBLIGATION TO  DO SO. THE INFORMATION ON THIS WEBSITE IS ALSO SUBJECT TO CHANGE.

NO  WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, ARISING BY STATUTE, CUSTOM OR  COURSE OF DEALING, COURSE OF PERFORMANCE, INCLUDING BUT NOT LIMITED TO  THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, SECURITY,  TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR  PURPOSE OR FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE  INFORMATION AND MATERIALS ON THE WEBSITE. THIRD PARTIES MAY UNLAWFULLY  INTERCEPT OR ACCESS TRANSMISSIONS OR PRIVATE COMMUNICATIONS AND ISSE  MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE WEBSITE OR  COMMUNICATIONS SENT FROM ICE ARE PROTECTED FROM VIRUSES, SECURITY  THREATS, OR OTHER VULNERABILITIES OR THAT YOUR INFORMATION WILL ALWAYS  BE SECURE. ANY MATERIAL, INFORMATION OR CONTENT DOWNLOADED OR OTHERWISE  OBTAINED THROUGH THE USE OF THIS WEBSITE IS DONE AT YOUR OWN RISK AND  DISCRETION AND YOU ALONE WILL BE RESPONSIBLE FOR ANY DAMAGE OR LOSS TO  YOU, INCLUDING AND NOT LIMITED TO DAMAGE TO YOUR COMPUTER SYSTEM, LOSS  OF DATA OR LOSS OR DAMAGE TO ANY PROPERTY OR LOSS OF DATA OR LOSS OF  REVENUE THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL. WE DO  NOT ENDORSE ANY OPINION, ADVICE, COMMENT OR STATEMENT MADE ON THIS  WEBSITE BY THIRD PARTIES, AND SUCH STATEMENTS DO NOT IN ANY WAY REFLECT  OUR OPINION, ADVICE OR STATEMENT. YOU EXPRESSLY AGREE THAT YOUR USE OF  THE MATERIALS IS AT YOUR SOLE RISK.

Nothing  in this Agreement will affect any statutory rights to which you may be  entitled as a consumer to the extent your ability to alter or waive such  rights by contract is limited by applicable law. Specifically, you  acknowledge that you may have or may in the future have claims against  us which you do not know or suspect to exist in your favor when you  agreed to this Agreement and which if known, might materially affect  your consent to this Agreement. You expressly waive all rights you may  have under Section 1542 of the California Civil Code, which states:

A  GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR  RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT  THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER,  WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR  RELEASING PARTY.

IF  THIS CLAUSE IS HELD TO BE UNENFORCEABLE IN WHOLE OR IN PART IN ANY  JURISDICTION DUE TO RELEVANT LAWS, THEN IN NO EVENT WILL OUR OR THE  RELEASED PARTIES’ (AS DEFINED BELOW) TOTAL LIABILITY TO YOU EXCEED THE  TOTAL AMOUNT YOU HAVE PAID US OR THE RELEASED PARTIES DURING THE SIX (6)  MONTHS PRIOR TO THE INCIDENT. NOTHING IN THIS CLAUSE WILL LIMIT OR  EXCLUDE ANY LIABILITY FOR DEATH OR PERSONAL INJURY RESULTING FROM  NEGLIGENCE.

IN  NO EVENT WILL ICE, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS,  SUPPLIERS, LICENSORS OR ITS THIRD PARTY PROVIDERS (THE “RELEASED  PARTIES”) BE LIABLE TO YOU, OR ANY THIRD PARTY CLAIMING THROUGH YOU, FOR  ANY LOSSES OR DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT,  SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSSES OR  EXPENSES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE, ITS  CONTENT, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION,  DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE OR  SYSTEM FAILURE, UNAUTHORIZED INTERCEPTION OF INFORMATION, OR OTHER  SECURITY THREATS RELATING TO THE WEBSITE, EVEN IF ISSE OR THE RELEASED  PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR  EXPENSES. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

THIS  IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL LOSSES  AND DAMAGES OF ANY KIND (WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL,  CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR OTHERWISE, INCLUDING,  WITHOUT LIMITATION, LOSS OF DATA, LOSS OF INCOME OR LOSS OF PROFITS),  WHETHER THE CLAIM IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE),  STRICT LIABILITY OR ANY OTHER LEGAL THEORY, EVEN IF AN AUTHORIZED  REPRESENTATIVE OF ICE OR ANOTHER RELEASED PARTY HAS BEEN ADVISED OF OR  SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND WITHOUT REGARD  TO THE SUCCESS OR EFFECTIVENESS OF OTHER REMEDIES.

IF  ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID,  ILLEGAL OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF  THE RELEASED PARTIES UNDER SUCH CIRCUMSTANCES TO YOU OR ANY PERSON OR  ENTITY CLAIMING THROUGH YOU FOR LIABILITIES THAT OTHERWISE WOULD HAVE  BEEN LIMITED WILL NOT EXCEED ONE HUNDRED DOLLARS ($100.00). YOU AGREE  THAT WE WOULD NOT ENTER INTO THESE TERMS OF USE WITHOUT THESE  LIMITATIONS ON OUR LIABILITY.

SOME  JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF LIABILITY FOR CERTAIN TYPES  OF DAMAGES. ACCORDINGLY, SOME OF THE THESE LIMITATIONS OF LIABILITY MAY  NOT APPLY TO YOU.

NOTHING  IN THESE TERMS OF USE WILL LIMIT OR EXCLUDE LIABILITY FOR LOSSES OR  DAMAGES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW.

Hyperlinks  to other internet resources are used by you at your own risk. ISSE is  not in a position to and does not seek to monitor or verify the content,  accuracy, opinions expressed and other links provided by these  resources in any way and is not liable for any aspect of such resources  or any consequence arising from your use of those resources. By  providing access to the linked websites, neither ISSE nor its Third Party  Providers are recommending, endorsing or sponsoring any aspect of those  websites, including the transmission of software, downloading or  uploading of content, or any goods, services or securities available  thereon. We are not responsible or liable, directly or indirectly, for  any damage or loss caused or alleged to be caused by or in connection  with the use of or reliance on any content, advertising, services,  products, or other materials on, or available from, such websites. Your  use of such Web sites is subject to the terms and policies of the owner  of such websites and not this Agreement. Other websites may link to the  Website with or without our authorization, and we may block any links to  or from the website in our sole discretion.

You  forever hold ISSE and its Third Party Providers harmless from any and  all claims, obligations and/or liability arising in connection with the  use of any such links. YOUR USE OF THIRD-PARTY WEB SITES OR SERVICES IS  AT YOUR OWN RISK.

You  agree to indemnify, defend and hold harmless ISSE and its officers,  agents, contractors, users, customers, providers, licensees, successors  in interest and employees (“Indemnified Parties”) from and against any  and all claims, losses, liabilities, demands, costs, damages and or  penalties (including attorneys’ fees, court costs, damage awards and  settlement amounts) arising from or out of: (1) your access to or use of  the Site, including your Account and our portals; and (2) any failure  by you or any agent acting on your behalf to fully observe this  Agreement or by reason of any use by you or such agent of any  information or images provided on this Website. ISSE will provide you  with notice of any such claim or allegation, and ISSE will have the right  to participate in the defence of any such claim.

This  Website and all content have been prepared for informational and/or  educational purposes only without regard to any particular user’s  investment objectives, financial situation or means. Neither ISSE, the  Third Party Providers, nor any of their respective affiliates, officers,  directors, employees, agents or licensors are soliciting any action  based on information made available on this Website. Reliance upon any  content contained on or accessed in this Website is at your own risk.

The  content on this Website is not to be construed as a recommendation or  offer to buy or sell, or the solicitation of an offer to buy or sell,  any security, financial product or instrument, or to participate in any  particular trading strategy. ISSE does not make any recommendations  regarding the merit of any company, security or other financial product  or investment identified on this Website, nor does it make any  recommendation regarding the purchase or sale of any such company,  security, financial product or investment that may be described or  referred to on this Website, nor endorse or sponsor any company  identified on this Website. Prior to the execution of a purchase or sale  of any security or investment, you are advised to consult with your  banker, financial advisor or other relevant professionals (e.g. legal,  tax and/or accounting counsel). Neither ISSE nor Third Party Providers  shall be liable for any investment decisions based upon or results  obtained from the content provided on this Website. Nothing contained on  this Website is intended to be, nor shall it be construed to be, legal,  tax, accounting or investment advice.

This  Website is not directed at or intended for publication or distribution  to any person in any jurisdiction where doing so would result in  contravention of any applicable laws or regulations. It is the  responsibility of the individual user to consider his or her legal and  regulatory position in the relevant jurisdiction, the risks associated  with trading such securities or investments and to ensure that the use  of the content of this Website and the subsequent making of any  investment does not contravene any such restrictions or applicable laws  and regulations of any jurisdiction. Potential users of products or  investments described on this Website (including those wishing to trade  them or to offer and sell them to others) should familiarize themselves  with the full contract specification of the security or investment  concerned and any associated information, such as any applicable legal  or regulatory provisions. Please seek the advice of professionals, as  appropriate, regarding the evaluation of any specific security,  investment, index, report, opinion, advice or other content.

Certain  statements on this Website may constitute “forward-looking statements”  within the meaning of the safe harbor provisions of the PSC and  the US Private  Securities Litigation Reform Act or similar applicable regulation. In  some cases, you can identify these statements by forward-looking words  such as "may," "might," "will," "should," "expect," "plan,"  "anticipate," "believe," "estimate," "predict," "potential" or  "continue," and the negative of these terms and other comparable  terminology. Such forward-looking statements which are subject to known  and unknown risks, uncertainties and assumptions about us, may include,  but are not limited to, projections of our future financial performance  based on our growth strategies and anticipated trends in our business  and industry, statements concerning ISSE’s plans, objectives,  expectations and intentions and other statements that are not historical  or current facts. Forward-looking statements are only predictions based  on ISSE’s current expectations about future events. They involve risks  and uncertainties that could cause actual results, level of activity,  performance or achievements to differ materially from those expressed or  implied in such forward-looking statements. Factors that could cause  ISSE’s results to differ materially from current expectations include,  but are not limited to: ISSE’s ability to implement its strategic  initiatives, economic, political and market conditions and fluctuations,  government and industry regulation, interest rate risk and U.S. and  global competition, and other factors detailed in ISSE’s Annual Report on  Form 10-K and other periodic reports filed with the U.S. Securities and  Exchange Commission and to the PSC. These risks and uncertainties are not exhaustive  and forward-looking statements are based on a number of assumptions that  are subject to change. We operate in a very competitive and rapidly  changing environment. New risks and uncertainties emerge from time to  time, and it is not possible to predict all risks and uncertainties, nor  can we assess the impact that these factors will have on our business  or the extent to which any factor, or combination of factors, may cause  actual results, level of activity, performance or achievements to differ  materially from those contained in any forward-looking statements. The  inclusion of such projections in any report should not be regarded as a  representation by ISSE that the projections will prove to be correct.  Neither ISSE nor any other person assumes responsibility for the accuracy  or completeness of any of these forward-looking statements. You should  not rely upon forward-looking statements as predictions of future  events. We are under no duty to update any of these forward-looking  statements after the date of any report to conform our prior statements  to actual results or revised expectations and we do not intend to do so.

All  right, title and interest in this Website, including all of the  software and code comprising or used to operate this Website, including  but not limited to the applicable updates and all of the text, content,  all compilations of real time or other information, including all  pricing and market data, any software programs, tools, applications  and/or code available on or through this Website and accompanying links,  photographs, images, video, audio and graphics contained on this  Website, the selection and arrangement of the aforementioned and the  “look and feel” of this Website, are owned, licensed or controlled by  , its applicable affiliate, its licensors or the relevant third party  (“Third Party Provider”) credited as the owner or lawful provider of  the content. Aspects of the content of this Website are also protected  by intellectual property laws, including but not limited to copyright,  trademark, trade dress, domain name, patent, trade secret, international  treaties and other proprietary rights and laws of the United States,  Singapore of European Union countries and other countries (“Intellectual  Property laws”).

You  acknowledge and agree that ISSE, its applicable affiliates, and/or the  Third Party Provider, as relevant, shall own all right, title and  interest in the Website, content of this Website and all intellectual  property relating thereto or otherwise referenced in this Website.  Nothing contained on this Website should be construed as granting, by  implication, estoppel or otherwise, any license or right to use any of  the content, trademarks, copyrights, or other proprietary material  without the express written permission of ISSE or such other party as may  own the proprietary rights therein and any rights not expressly granted  herein are reserved to ISSE or its Third Party Providers, as applicable.  The presence of any content on this Website does not constitute a  waiver of any right to such content. You do not acquire ownership rights  to any such content viewed through this Website. In using or accessing  this Website or its content, you further acknowledge and agree to abide  by all applicable Intellectual Property laws, as well as any additional  notices or restrictions contained on this Website. You agree not to  challenge (or assist any third party to challenge) the validity or  enforceability of any intellectual property owned by ISSE or its  applicable affiliates relating to this Website, its content or otherwise  referenced therein, including but not limited to the patents and  trademarks listed at the end of this Agreement.

Subject  to your compliance with these Terms of Use, we will permit you to  access and use the Site solely for lawful purposes and only in  accordance with these Terms of Use.

You  may not use any metatags or any other "hidden text" utilizing an ISSE  name, trademark, or product name without the express written consent of  ISSE. The use or misuse of these trademarks/service marks or any other  content or materials, except as permitted herein, is expressly  prohibited and may be in violation of Intellectual Property Laws and/or  other relevant laws.

When  registering to use certain features of the Website, you may be required  to establish an account (an “Account”). Approval of your request to  establish an Account will be at our sole discretion. Each Account and  the user identification and password for each Account (the “Account ID”)  is personal in nature. You will not distribute or transfer your Account  or Account ID or provide a third party with the right to access your  Account or Account ID. You are solely responsible for all use of the  Website through your Account. You will ensure the security and  confidentiality of your Account ID and will notify us immediately if any  Account ID is lost, stolen or otherwise compromised. Any activities  completed through your Account or under your Account ID will be deemed  to have been done by you. You may not: (1) select or use an Account ID  of another user with the intent to impersonate that user; or (2) use an  Account ID that we, in our sole discretion, deem offensive.

By  registering for any areas or services provided through this Website you  agree to pay any fees that are due in respect of any such services that  you use or subscribe for until you unregister or ISSE suspends or  withdraws such service. Where any service for which you register on or  through this Website is provided by or with a service provider, agent or  partner of ISSE Futures, you agree that you will observe any additional  terms and conditions associated with the part of the service provided by  them.

As described above, to access certain services you may be required to pay a fee.

You  may only use the website for lawful purposes in accordance with the  Agreement. As a condition of your use of the Website, you represent and  warrant to us that you will not use the Website for any purpose that is  unlawful or prohibited by this Agreement.

You  acknowledge and agree that, unless ISSE, its applicable affiliate,  and/or the applicable Third Party Provider give you prior written  permission, you will not, whether on behalf of yourself or on behalf of a  third party:

This  list of prohibitions provides examples and is not complete or  exclusive. ISSE reserves the right to: terminate your access to the  Website, with or without cause and with or without notice, for any  reason or no reason, or for any action that ISSE determines is  inappropriate or disruptive to the Website or any other user of the  Website, in ISSE’s sole discretion. ICE may report to law enforcement  authorities any actions that may be illegal, and any reports it receives  of such conduct. When legally required or at ISSE’s discretion, ISSE will  cooperate with law enforcement agencies in any investigation of alleged  illegal activity on the Website or on the Internet. Unauthorized use of  the Website may violate certain laws and regulations.

If  you send or transmit any communications, comments, questions,  suggestions, or related materials to ISSE, whether by letter, email,  telephone, or otherwise (collectively, “Feedback”), suggesting or  recommending changes to the Website, including, without limitation, new  features or functionality relating thereto, all such Feedback is, and  will be treated as, non-confidential and non-proprietary. You hereby  assign all right, title, and interest in, and ISSE is free to use,  without any attribution or compensation to you, any ideas, know-how,  concepts, techniques, or other intellectual property and proprietary  rights contained in the Feedback, whether or not patentable, for any  purpose whatsoever, including but not limited to, developing,  manufacturing, having manufactured, licensing, marketing, and selling,  directly or indirectly, products and services using such Feedback. You  understand and agree that ISSE is not obligated to use, display,  reproduce, or distribute any such ideas, know-how, concepts, or  techniques contained in the Feedback, and you have no right to compel  such use, display, reproduction, or distribution.

By  accessing the services on our Website, you agree to be governed by the  laws of the state of New York. Manama, Dubai, London. The laws of such jurisdiction will govern  all matters relating to this Agreement, and the use, or inability to  use, the services, and that such laws will apply without regard to  principles of conflict of laws. You agree to submit to the exclusive  jurisdiction and venue of the state and federal courts located in New York. Manama, Dubai, London. This choice of jurisdiction does not prevent ISSE  from seeking injunctive relief with respect to a violation of  intellectual property rights or confidentiality obligations in any  appropriate jurisdiction. ANY LEGAL ACTION OR PROCEEDING RELATING TO  YOUR ACCESS TO, OR USE OF, THIS WEBSITE OR THIS AGREEMENT WILL BE  INSTITUTED ONLY IN A STATE OR FEDERAL COURT LOCATED IN THE CITY NEW YORK, MANAMA, DUBAI AND LONDON. YOU AND WE IRREVOCABLY AGREE TO  SUBMIT TO THE JURISDICTION OF SUCH COURTS. You expressly waive any claim  of improper venue and any claim that such courts are an inconvenient  forum.

Please  read the following section carefully because it requires you to  arbitrate certain disputes and claims with ISSE and limits the manner in  which you can seek relief from us, unless you opt out of arbitration by  following the instructions set forth below. No class or representative  actions or arbitrations are allowed under this arbitration agreement. In  addition, arbitration precludes you from suing in court or having a  jury trial.

No Representative Actions.  You and ISSE agree that any past, present, or future dispute arising out  of or related to these Terms of Use is personal to you and ISSE, and  that any dispute will not be brought as a class arbitration, class  action or any other type of representative proceeding.

Arbitration of Disputes.  Except for small claims disputes in which you or ISSE seeks to bring an  individual action in small claims court located in the county of your  billing address or disputes in which you or ISSE seeks injunctive or  other equitable relief for the alleged unlawful use of intellectual  property, you and ISSE waive your rights to a  jury trial and to have any dispute arising out of or related to these  Terms of Use or our services resolved in court. Instead, for any  past, present, or future dispute or claim that you have against ISSE or  relating in any way to the services, you agree to first contact ISSE and  attempt to resolve the claim informally by sending a written notice of  your claim ("Notice") to ISSE by certified mail addressed to West Tower Bahrain Financial Harbour, King Faisal Hwy, Manama, Bahrain., ATTN: General Counsel.

The  Notice must (a) include your name, your residence address, your email  address, your telephone number; (b) a description of the nature and  basis of the claim; and (c) set forth the specific relief sought. Our  notice to you will be similar in form to that described above. If you  and ISSE cannot reach an agreement to resolve the claim within thirty  (30) days after such Notice is received, then either party may submit  the dispute to binding arbitration administered by JAMS or, under the  limited circumstances set forth above, in court. All disputes submitted  to JAMS will be resolved through confidential, binding arbitration  before one arbitrator. Arbitration proceedings will be held in New York,  Manama, Dubai and London. You and ISSE agree that arbitrations will be held in  accordance with the JAMS Streamlined Arbitration Rules and Procedures ("JAMS Rules"),  including without limitation, provisions regarding consolidation of  claims. The most recent version of the JAMS Rules are available on the JAMS website  and are hereby incorporated by reference. You either acknowledge and  agree that you have read and understand the JAMS Rules or waive your  opportunity to read the JAMS Rules and waive any claim that the JAMS  Rules are unfair or should not apply for any reason.

You  and ISSE agree that these Terms affect interstate commerce, that the  enforceability of this section will be substantively and procedurally  governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. (the "FAA"),  and that to the maximum extent permitted by applicable law, the FAA  shall preempt application of state laws regarding arbitration, including  without limitation, provisions of the California Arbitration Act. As  limited by the FAA, these Terms and the JAMS Rules, the arbitrator will  have exclusive authority to make all procedural and substantive  decisions regarding any dispute and to grant any remedy that would  otherwise be available in court, including the power to determine  whether a dispute may be arbitrated. The arbitrator may not preside over  any type of class or representative proceeding, however, in the event  that five or more claims in arbitration are initiated which assert the  same or similar factual allegations, or raise the same or similar legal  issues, we may request that the claims be consolidated for resolution  consistent with Rule 6 of the Streamlined Rules, and you agree to  consolidation of your claim with the claims of other claimants asserting  the same or similar factual allegations, or whose claims raise the same  or similar legal issues. In such a consolidated proceeding, a single  arbitrator shall be appointed to resolve all consolidated claims, who  shall resolve common issues of law and fact and apply such rulings  consistently to the consolidated claims.

The  arbitration will allow for the discovery or exchange of non-privileged  information relevant to the dispute. The arbitrator, ISSE, and you will  maintain the confidentiality of any arbitration proceedings, judgments  and awards, including, but not limited to, all information gathered,  prepared and presented for purposes of the arbitration or related to the  dispute(s) therein. The arbitrator will have the authority to make  appropriate rulings to safeguard confidentiality, unless the law  provides to the contrary. The duty of confidentiality does not apply to  the extent that disclosure is necessary to prepare for or conduct the  arbitration hearing on the merits, in connection with a court  application for a preliminary remedy or in connection with a judicial  challenge to an arbitration award or its enforcement, or to the extent  that disclosure is otherwise required by law or judicial decision.

You  and ISSE agree that for any arbitration you initiate, you will pay the  filing fee and ISSE will pay the remaining JAMS fees and costs. For any  arbitration initiated by ISSE, ISSE will pay all JAMS fees and costs. You  and ISSE agree that the state or federal courts of the State of New York, Manama, Dubai and London, New York have exclusive  jurisdiction over any appeals and the enforcement of an arbitration  award.

Any  claim arising out of or related to these Terms of Use or the use of our  services must be filed within one year after such claim arose;  otherwise, the claim is permanently barred, which means that you and ISSE will not have the right to assert the claim.

You  have the right to opt out of binding arbitration within 30 days of the  date you first accepted the terms of this section by emailing ISSE at legal-notices@iraic.group.  In order to be effective, the opt-out notice must include your full  name and address and clearly indicate your intent to opt out of binding  arbitration. By opting out of binding arbitration, you are agreeing to  resolve disputes in accordance with this section.

If  any portion of this section is found to be unenforceable or unlawful  for any reason, (a) the unenforceable or unlawful provision shall be  severed from this Agreement; (b) severance of the unenforceable or  unlawful provision shall have no impact whatsoever on the remainder of  this section or the parties' ability to compel arbitration of any  remaining claims on an individual basis pursuant to this section; and  (c) to the extent that any claims must therefore proceed on a class,  collective, consolidated, or representative basis, such claims must be  litigated in a civil court of competent jurisdiction and not in  arbitration, and the parties agree that litigation of those claims shall  be stayed pending the outcome of any individual claims in arbitration.  Further, if any part of this section is found to prohibit an individual  claim seeking public injunctive relief, that provision will have no  effect to the extent such relief is allowed to be sought out of  arbitration, and the remainder of this section will be enforceable. If  you are a consumer, the provisions of this section will be modified to  the extent necessary to conform to the JAMS Consumer Arbitration Minimum Standards.

ISSE  has the right at any time to revise and to otherwise modify this  Agreement, and to impose new or additional Terms or Conditions  (collectively, "Additional Terms") on your use of the services available  on or through our Website. Such Additional Terms are effective  immediately and are incorporated into this Agreement when posted by ISSE to the Website. Use of the Website following such notice indicates your  acceptance of all such Additional Terms.

ISSE  has the right, at any time, to modify or discontinue, temporarily or  permanently, the services, information, materials and other content we  offer through the Website, the Website, or any portion of the Website  and/or to refuse or restrict anyone from access to any such services,  information, materials and other content, with or without notice and in  its sole discretion. ISSE shall not be liable for any modification,  suspension or discontinuance of any services or the Website.

Violations of this Agreement

ISSE  reserves the right to seek all remedies available at law and in equity  for violations of this Agreement, including the right to block access  from a particular Internet address to this Website.

Miscellaneous Terms

This  Agreement constitute the entire agreement between you and ISSE with  respect to the subject matter addressed herein, and governs your use of  the Website, superseding any prior agreements between you and ISSE  relating to such subject matter. This Agreement may be supplemented by  any other agreement you enter into with ISSE pursuant to a registration  to access certain features of the Website. The failure of ISSE to  exercise any right or provision of these Terms and Conditions shall not  constitute a waiver of such right or provision. If any provision of  these Terms and Conditions is found by a court of competent jurisdiction  to be invalid, the parties nevertheless agree the other provisions of  this Agreement remain in full force and effect. The section headings  used in this Agreement are for convenience only and have no legal  effect. This Website is intended for use by users of 18 years of age or  older.

The  parties hereto are independent parties, not agents, employees or  employers of the other, or joint ventures, and neither acquires  hereunder any right or ability to bind or enter into any obligation on  behalf of the other. Any assignment in violation of the foregoing will  be null and void. We may freely assign this Agreement.

Unless  otherwise specified in this Agreement, any notices required or allowed  under this Agreement will be provided to ISSE through our email. ISSE may  provide you with any notices required or allowed under this Agreement by  sending you an email to any email address you provide to ISSE in  connection with your Account or otherwise, provided that in the case of  any notice applicable both to you and other users of the Website, ISSE  may instead provide such notice by posting on the Website. Notices  provided to ISSE will be deemed given when actually received by ISSE.  Notice provided to you will be deemed given 24 hours after posting to  the Website or sending via e-mail, unless (as to e-mail) the sending  party is notified that the e-mail address is invalid.

Contact Us

webmaster@iraic.group