The following terms and conditions govern the use of this website, which is managed by Ifriqiya Limited. By using this website (smartwealthadvisors.com) and the SmartWealth solution operated or offered by Ifriqiya Limited (collectively the “Website”), you agree to these Terms and Conditions. By accessing this website you are deemed to have read and agree to the following terms and conditions. These terms and conditions become effective when you access this site for the first time. These terms and conditions are subject to change without notice, from time to time at our sole discretion. You are responsible for being familiar with the current version of these terms and conditions posted on the website during each visit. If you do not wish to be bound by these terms and conditions, do not access this website. You are strictly prohibited from unauthorized use of our systems or this website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this website. These terms of use should be read in conjunction with the Privacy Policy.

Financial advisory services are only provided subject to an investment advisory agreement (IAA) and the adoption of an investment policy statement (IPS). Users are urged to read, carefully consider and affirm that the agreement and plan are suitable for their individual facts and circumstances. By endorsing the IPS and IAA, users confirm to have read, understood and accept that they are suitable for them. Although Ifriqiya Limited carefully evaluates potential returns based on historic performance, we make no representation regarding the likelihood or probability that any actual or proposed account allocation will in fact achieve a particular investment outcome or goal. Past performance is not a guarantee of future success, and in fact, volatility means that returns in any period may be far above or below those of previous period. Some customers may have investment results that materially differ from those indicated by our investment tools and projections.

Model predictions are inherently limited in that they do not represent actual trading or material economic or market factors that might have an impact on outcomes. Portfolio performance projections are based on an uninterrupted periodic savings, current recommended portfolios and assume the reinvestment of dividends/interest incomes. While asset allocations are designed to provide helpful investing guidance, you must also carefully consider the appropriateness of the proposed investments in light of your own personal financial circumstances, including cash flow needs, tax circumstances, etc. You are urged to use all available resources to educate yourself about investing in general, as well as the investments and the overall composition of your portfolio. Additionally, changes in market conditions and your personal financial circumstances have implications for your investments. While it is our duty to help you deal with changing market conditions, it is your responsibility to notify us of any material change in your circumstances.

This website is owned and maintained by Ifriqiya Limited. The materials contained within this website, including all intellectual property, copyrights, trademarks, trade secrets, and all other proprietary materials, are protected by international copyright, intellectual property and trademarks laws. And may not be copied, republished, incorporated into another website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of Ifriqiya Limited. Your use of the SmartWealth’s website, and the personal information you provide is at your sole discretion and risk. SmartWealth’s website and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Ifriqiya Limited.

IFRIQIYA LIMITED EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO SMARTWEALTH'S WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. IFRIQIYA LIMITED DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED: REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF SMARTWEALTH'S WEBSITE, CONTENT AND/OR USER INFORMATION; THAT SMARTWEALTH'S WEBSITE WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;THAT SMARTWEALTH'S WEBSITE WILL BE FREE FROM ELECTRONIC VIRUSES; OR REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY SMARTWEALTH ON ITS WEBSITE INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.

No advice or information, whether oral or written, obtained by you from SmartWealth's website, shall create any warranty not expressly stated in this terms of service. If you choose to rely on such information, you do so solely at your own risk. Neither Ifriqiya Limited nor any other party involved in the creation, production or delivery of the information on the website, nor the officers, directors, employees or representatives of Ifriqiya Limited, are liable in any way for any indirect, special, punitive, consequential, or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the website or the use of the website or a linked website or with the delay or inability to use the website or a linked website, whether or not Ifriqiya Limited is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses, data or harmful code that may affect your equipment or anyone else’s equipment, any incompatibility between the website’s files and your browser or other website accessing program, or any failure of any electronic or telephone equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. Ifriqiya Limited does not guarantee continuous, uninterrupted or secure access to the website or a linked website. The content, accuracy, opinions expressed, and other links provided by linked websites are not necessarily investigated, verified, monitored or endorsed by Ifriqiya Limited. The information, software, products and description of services published on the website or a linked website may include inaccuracies or typographical errors, and Ifriqiya Limited specifically disclaims any liability for such inaccuracies or errors. Changes are periodically made to the information on the website and linked websites. Ifriqiya Limited may make improvements or changes to the website at any time.

You may close your account in-app or request termination of your user account at any time and for any reason by sending an email to connect@smartwealthadvisors.com. We may terminate or suspend your access to SmartWealth’s website, at our sole discretion, at any time for any reason without notice to you. Further, if we believe, at our sole discretion, that a violation of these terms of service has occurred, we may take any other corrective action we deem appropriate. We reserve the right to investigate suspected violations of these terms of service. We may seek to gather information from a user who is suspected of violating these terms of service (or from any other user) and you agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any user information, emails, or other materials that are believed to violate these terms of service. Any suspension, termination, or cancellation shall not affect your obligations to Ifriqiya Limited under these terms of service (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation.