Please read these Terms and Conditions carefully. These are the general Terms and Conditions governing your access and use of this website (hereinafter referred to as the "Site"). IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT USE THIS SITE. By continuing to use the Site and/or any of the services shown on the Site, you agree to be bound by these Terms and Conditions.

By using this site, you signify your agreement to Memon's Terms and Conditions. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT USE THIS SITE. Your continued use of Shaikhani Group and/or its affiliates' sites following the posting of changes to these terms will mean you accept those changes.

COPYRIGHT © Shaikhani Group 2011, ALL RIGHTS RESERVED. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Shaikhani Group unless otherwise indicated.

Shaikhani Group, its subsidiaries, affiliates, contractors and/or participating corporations are the owners of the trade and service marks appearing on this website and all rights are reserved in respect of such trade and service marks.

The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to Memon's final determination and acceptance.

The information and materials contained in this site, including text, graphics, links or other items - are provided "as is," "as available". Memon does not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions therein. No warranties of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, are given in conjunction with the information and materials.

In no event will Memon be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or reliance on the contents of this site, or in connection with any failure of performance, error, omission, interruption, defect, delay or failure in operation or transmission, computer virus or line or system failure, even if Memon, its representatives, are advised of the possibility of such damages, losses or expense, hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Memon. This Exclusion clause shall take effect to the fullest extent permitted by law.

All information submitted to Memon via this site shall be deemed and remain the property of Memon who shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Memon through this site. Memon shall not be subject to any obligations of confidentiality or privacy regarding submitted information except as agreed by Memon or as otherwise specifically agreed or required by law.

These terms and conditions are subject to change and can be modified at any time without notice.

By accessing this website and obtaining the facilities, products or services offered through this website, you agree that the laws of the United Arab Emirates (UAE) an the Emirate of Dubai shall govern such access and the provision of such facilities, products and services and you agree to submit to the exclusive jurisdiction of the Dubai courts.