Terms and Conditions

Last Updated: May 2026

Please read these Terms and Conditions (“Terms”, “Agreement”) carefully before using
https://inewkhusi.com (“Service”, “Website”) operated by Inewkhusi.com (“us”, “we”, “our”).

1. Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions.
The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

2. Definitions

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls, is controlled by, or is under common control with a party.
• Company (referred to as “the Company”, “We”, “Us”, or “Our”) refers to Inewkhusi.com.
• Country refers to: Delhi, India (place of operation of the publisher), with content focused on the United Arab Emirates and the Kingdom of Saudi Arabia.
• Service refers to the Website.
• Terms and Conditions mean these Terms that form the entire agreement between You and the Company regarding the use of the Service.
• Third-party Social Media Service means any services or content provided by a third-party that may be displayed, included, or made available through the Service.
• Website refers to Inewkhusi.com, accessible from https://inewkhusi.com.
• You means the individual accessing the Service, or the company / legal entity on whose behalf such individual is accessing the Service.

3. Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between
You and the Company. Your access to and use of the Service is conditioned on Your acceptance of and compliance
with these Terms and our Privacy Policy.

By accessing or using the Service, You agree to be bound by these Terms and Conditions. If You disagree with
any part, please do not access the Service.

4. Nature of Our Service — No Financial Services Offered

You expressly acknowledge and agree that:

1. Inewkhusi.com is an independent online publisher of educational financial content.
2. We do not open or operate bank accounts.
3. We do not originate, lend, broker, arrange, or refer loans of any kind.
4. We do not issue, sell, market, or apply for credit cards, EMI cards, or BNPL products.
5. We do not sell, distribute, broker, or arrange insurance or Takaful policies.
6. We do not provide money transfer, remittance, currency exchange, payment processing, or e-wallet services.
7. We do not provide investment, brokerage, trading, or portfolio-management services.
8. Any reference to “products”, “services”, “offers”, or “applications” on this Website refers strictly to educational descriptions of products available from third-party banks and institutions in UAE and Saudi Arabia.
9. To purchase or apply for any financial product, You must approach the relevant licensed bank, insurer, or financial institution directly.

5. No Financial Advice

The information on this Website does not constitute professional financial, investment, tax, legal, accounting,
banking, insurance, or Sharia advice. Before making any financial decision, You should consult a
licensed advisor regulated by the relevant authority (CBUAE, SAMA, SCA, CMA, IA-UAE, etc.).

6. Accuracy of Information

While we make reasonable efforts to keep all rates, fees, and product details up to date, financial products in
UAE & KSA change frequently. The Company does not guarantee accuracy, completeness, or currency of any information.
You must verify every detail directly with the official source before acting on it.

7. Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of
any third-party websites. You acknowledge and agree that the Company shall not be liable for any damage or loss
caused by use of or reliance on such third-party websites.

8. Affiliate & Advertising Disclosure

This Website may display advertisements (including Google AdSense) and may include affiliate or referral links.
We may earn a commission if you click through and apply with a partner institution. This does not increase your cost
and does not influence the editorial integrity of our educational content.

9. Intellectual Property

All content on Inewkhusi.com — articles, images, graphics, logos, calculators, and design — is the property of
the Company or its licensors and is protected by copyright laws. You may not reproduce, copy, republish, or
redistribute our content without prior written permission.

Bank names, product names, and trademarks belong to their respective owners and are used only for descriptive
and educational reference.

10. User Conduct

You agree not to:

• Use the Service for any unlawful purpose.
• Attempt to hack, scrape, or disrupt the Website.
• Post defamatory, offensive, or fraudulent comments.
• Misrepresent yourself as an agent of Inewkhusi.com.

11. Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever,
including breach of these Terms. Upon termination, Your right to use the Service ceases immediately.

12. Limitation of Liability

Notwithstanding any damages You may incur, the entire liability of the Company under any provision of these Terms
shall be limited to the amount actually paid by You through the Service, or USD 100 if You haven’t purchased anything.

To the maximum extent permitted by applicable law, in no event shall the Company be liable for any special,
incidental, indirect, or consequential damages — including loss of profits, loss of data, business interruption,
personal injury, or loss of privacy — arising out of or related to the use of the Service or reliance on its content.

13. “AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided “AS IS” and “AS AVAILABLE” with all faults and defects, without warranty of any kind.
The Company expressly disclaims all warranties — express, implied, statutory, or otherwise — including warranties
of merchantability, fitness for a particular purpose, accuracy, reliability, currency of information, uninterrupted
operation, or freedom from viruses.

14. Indemnification

You agree to indemnify, defend, and hold harmless Inewkhusi.com, its founder Oumar Malik, contributors, and
affiliates from any claims, losses, or damages (including legal fees) arising from Your use of the Service or
violation of these Terms.

15. Governing Law

The laws of India (without regard to its conflict-of-law principles) shall govern these Terms and Your
use of the Service. Use of the Service in UAE, Saudi Arabia, or any other jurisdiction may also be subject to
local laws — You are responsible for ensuring Your compliance.

16. Disputes Resolution

If You have any concerns or disputes about the Service, You agree to first try to resolve them informally by
contacting the Company at [email protected].

For European Union (EU) Users

If You are an EU consumer, You will benefit from any mandatory provisions of the law of the country in which You are resident.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country subject to a U.S. government embargo or designated as a terrorist-supporting country, and (ii) You are not listed on any U.S. government list of prohibited or restricted parties.

UAE Users

If You are accessing this Service from the UAE, You acknowledge the Company is not a Central Bank of the UAE (CBUAE) regulated entity, is not licensed by SCA or the UAE Insurance Authority, and is not authorized to provide financial services within the UAE. The Service is informational only.

Saudi Arabia Users

If You are accessing this Service from the Kingdom of Saudi Arabia, You acknowledge the Company is not regulated by the Saudi Central Bank (SAMA), Capital Market Authority (CMA), or any KSA financial authority. Content is provided as general educational information consistent with KSA’s information-publishing norms; You must consult a SAMA-licensed institution for any product application.

17. Severability and Waiver

Severability: If any provision of these Terms is held unenforceable or invalid, that provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force.

Waiver: Failure to exercise a right or require performance of an obligation under these Terms shall not affect a party’s ability to exercise that right later.

18. Translation Interpretation

These Terms may be made available in Hindi, Arabic, or Urdu translations. In case of any dispute, the
original English version shall prevail.

19. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is
material, we will make reasonable efforts to provide at least 30 days notice prior to the new terms taking effect.
By continuing to access or use Our Service after revisions, You agree to the revised terms.

20. Contact Us

If you have any questions about these Terms and Conditions:

• 📧 By Email: [email protected]
• 🌐 Via: Contact Page