Terms and Conditions

Last Updated: 18 May 2026

Welcome to GRC Capitals. These Terms and Conditions (“Terms”) govern your access to and use of the website https://grccapitals.com (the “Website”) and any related services, content, and communications provided by GRC Capitals (“GRC Capitals”, “we”, “us”, or “our”). By accessing the Website or engaging our services, you (“you”, “your”, “User”, or “Client”) agree to be bound by these Terms. If you do not agree, please discontinue use of the Website immediately.

1. About Us

GRC Capitals is a financial advisory firm based in the United Arab Emirates, offering tailored capital solutions, structured finance, trade finance, and related advisory services to corporations, SMEs, and qualified individuals operating within the UAE and across the region.

Registered Office: Office No. 1701, 17th Floor, Conrad Office Tower, Sheikh Zayed Road, Dubai, United Arab Emirates Phone: +971 52 747 7786 Email: info@grccapitals.com

2. Acceptance of Terms

By accessing, browsing, registering on, or otherwise using the Website or any service offered by GRC Capitals, you confirm that:

• You are at least 18 years of age and legally capable of entering into a binding contract under the laws of the United Arab Emirates.
• You have read, understood, and agreed to be bound by these Terms and our Privacy Policy.
• If you are accessing the Website or engaging our services on behalf of a company or other legal entity, you have the authority to bind that entity to these Terms.

3. Definitions

• “Services” refers to all financial advisory, capital arrangement, trade finance, bank facility, structured finance, account opening, asset acquisition, and related services offered by GRC Capitals.
• “Content” refers to all text, graphics, logos, images, data, software, and other material published on or made available through the Website.
• “User” refers to any individual or entity accessing the Website or engaging our Services.

4. Scope of Services

GRC Capitals provides advisory and intermediary services to assist Clients in identifying, structuring, and obtaining suitable financial solutions, including but not limited to:

• Trade Finance and Bank Facility arrangement
• Credit & Structured Finance
• Corporate & SME Account Opening
• Distress Asset Acquisition
• Asset Based Finance
• Digital Business Account Set-Up
• Working Capital Solutions
• Project Finance

Important Notice: GRC Capitals acts solely as an advisor and intermediary. We are not a bank, lender, deposit-taking institution, or licensed credit provider. All financing, banking, insurance, and credit facilities referenced on this Website are provided by independent third-party financial institutions, who retain full discretion over approval, terms, and conditions. GRC Capitals does not guarantee approval, funding, or any specific outcome from any third-party financial institution.

5. No Financial, Investment, or Legal Advice

The Content on this Website is provided for general informational purposes only and does not constitute personalised financial, investment, legal, tax, or accounting advice. Nothing on the Website should be construed as a solicitation, offer, recommendation, or endorsement to buy, sell, or hold any financial product, security, or instrument.

You should seek independent professional advice from appropriately qualified and licensed advisors before making any financial decision. Any reliance you place on the information contained on this Website is strictly at your own risk.

6. Eligibility and Client Onboarding

To engage our Services, you may be required to complete Know Your Customer (KYC), Anti-Money Laundering (AML), and Counter-Terrorism Financing (CTF) due diligence procedures in accordance with applicable UAE laws and regulations. We reserve the right to:

• Request supporting documentation and verification of identity, source of funds, and beneficial ownership.
• Decline to provide Services to any individual or entity at our sole discretion, without obligation to provide reasons.
• Suspend or terminate any engagement where required by law, regulation, or our internal compliance policies.

7. Fees, Payments, and Engagements

Specific fees, scope of work, deliverables, and payment terms for our Services will be set out in a separate written engagement letter or service agreement signed between GRC Capitals and the Client. In the event of any conflict between these Terms and a signed engagement letter, the engagement letter shall prevail with respect to the specific engagement.

Unless otherwise agreed in writing:

• All fees are exclusive of Value Added Tax (VAT) and any other applicable taxes or duties.
• Fees once paid are non-refundable, except where expressly agreed in writing.
• Late payments may incur additional charges and may result in suspension of Services.

8. Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, the Website by any third party. You specifically agree not to:

• Use the Website in any way that breaches applicable UAE or international laws.
• Attempt to gain unauthorised access to the Website, its servers, or any connected systems.
• Introduce viruses, malware, or any other malicious code to the Website.
• Use any automated system, including “robots”, “spiders”, or “scrapers”, to access the Website.
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website without our prior written consent.
• Submit false, misleading, or fraudulent information through any forms or communication channels.

9. Intellectual Property Rights

All Content on the Website — including but not limited to the GRC Capitals name, logo, trademarks, text, graphics, images, layout, design, and software — is the property of GRC Capitals or its licensors and is protected by UAE and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Content for personal and non-commercial purposes only. No other rights are granted to you by implication, estoppel, or otherwise. Any unauthorised use, reproduction, or distribution of the Content is strictly prohibited and may result in legal action.

10. User-Submitted Information

Any information you submit through the Website — including via contact forms, newsletter sign-ups, consultation requests, or communications — must be accurate, current, and complete. By submitting such information, you grant GRC Capitals the right to use, store, and process the information for the purpose of responding to your inquiry, providing our Services, and complying with our legal obligations, in accordance with our Privacy Policy.

11. Confidentiality

GRC Capitals will treat all Client information received in the course of providing Services as confidential and will not disclose such information to third parties except:

• With the Client’s prior written consent.
• To third-party financial institutions strictly for the purpose of arranging the requested Services.
• Where required by law, regulation, court order, or competent regulatory authority in the UAE.
• To our professional advisors bound by similar confidentiality obligations.

12. Third-Party Links and Services

The Website may contain links to third-party websites, products, or services that are not owned or controlled by GRC Capitals. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Your interaction with any third party, including financial institutions introduced through our Services, is solely between you and that third party.

13. Disclaimers

To the maximum extent permitted by applicable UAE law:

• The Website and Content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
• We do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
• We do not warrant the accuracy, completeness, timeliness, or reliability of any Content on the Website.
• Past performance, examples, or case references do not guarantee future results.

14. Limitation of Liability

To the fullest extent permitted by law, GRC Capitals, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, revenue, goodwill, data, or business opportunities, arising out of or in connection with:

• Your use of, or inability to use, the Website.
• Any decisions made or actions taken based on the Content of the Website.
• Any acts, omissions, or decisions of third-party financial institutions, banks, or service providers.
• Any unauthorised access to or alteration of your transmissions or data.

Our total aggregate liability arising out of or relating to these Terms or any Services provided shall in no event exceed the total fees actually paid by you to GRC Capitals in the twelve (12) months preceding the event giving rise to the claim.

15. Indemnification

You agree to indemnify, defend, and hold harmless GRC Capitals, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your breach of these Terms.
• Your violation of any applicable law or regulation.
• Your misuse of the Website or Services.
• Any false, inaccurate, or misleading information you provide to us.

16. Force Majeure

GRC Capitals shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay arises from events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, civil unrest, governmental actions, regulatory changes, pandemics, power or telecommunications failures, cyber-attacks, or interruptions in banking systems.

17. Suspension and Termination

We reserve the right, at our sole discretion, to suspend, restrict, or terminate your access to the Website or our Services at any time, with or without notice, including but not limited to where:

• You breach these Terms or any engagement letter.
• We are required to do so by law, regulation, or a competent authority.
• We reasonably suspect fraudulent, illegal, or improper activity.

Termination shall not affect any rights, obligations, or liabilities accrued prior to the date of termination.

18. Privacy and Data Protection

Your use of the Website and our Services is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal information in accordance with applicable UAE data protection laws. By using the Website, you consent to our data handling practices as described in the Privacy Policy.

19. Modifications to the Terms

We may amend, update, or modify these Terms at any time without prior notice. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Website following any modifications constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

20. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, as applied in the Emirate of Dubai, without regard to its conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to these Terms, the Website, or our Services shall be subject to the exclusive jurisdiction of the competent courts of Dubai, United Arab Emirates, unless otherwise agreed in writing between the parties.

21. Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable.

22. Entire Agreement

These Terms, together with our Privacy Policy and any signed engagement letter or service agreement, constitute the entire agreement between you and GRC Capitals concerning your use of the Website and Services, and supersede all prior agreements, communications, and understandings, whether written or oral.

23. Contact Us

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:

GRC Capitals Office No. 1701, 17th Floor, Conrad Office Tower Sheikh Zayed Road, Dubai, United Arab Emirates 📞 +971 52 747 7786 ✉️ info@grccapitals.com 🌐 https://grccapitals.com

By using this Website or engaging the services of GRC Capitals, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.