Terms of Service

1. Introduction and Acceptance

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Client,” “you,” or “your”) and Growth Capital (“Growth Capital,” “we,” “us,” or “our”), a private wealth management and advisory firm with its principal office at Meydan Grandstand, 6th Floor, Meydan Road, Nad Al Sheba, Dubai, United Arab Emirates.

By accessing or using our website at growthcapital.ae (the “Website”), submitting an application or consultation request, or engaging our advisory services in any capacity, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree with any provision of these Terms, you must discontinue use of the Website and refrain from engaging our services. Your continued use of the Website following the posting of any amendments to these Terms constitutes acceptance of such amendments.

2. Nature of Services

2.1 Advisory Services

Growth Capital provides private advisory services encompassing wealth management, legal advisory, accounting and tax advisory, tax-efficient relocation planning, premium residency and golden visa facilitation, private banking setup, wealth structuring, and access to venture capital and private equity deal flow (collectively, the “Services”). Our Services are advisory in nature. We do not exercise discretionary management authority over your assets, execute trades on your behalf, or hold client funds or securities at any time.

2.2 No Investment Advice via the Website

The information presented on this Website is for general informational purposes only and does not constitute investment advice, a solicitation, an offer to buy or sell any securities, or a personal recommendation. Nothing on this Website should be interpreted as a specific investment recommendation tailored to your individual circumstances. All investment-related advisory is provided exclusively through private, personalised consultations with our advisory team following a formal engagement.

2.3 Professional Referrals

Certain Services, including but not limited to legal advisory, accounting, tax advisory, and residency facilitation, may be delivered in coordination with licensed professionals, law firms, accounting practices, or governmental authorities in relevant jurisdictions. Growth Capital may act as an intermediary, coordinator, or referral agent. The engagement of any third-party professional will be subject to their own terms, conditions, and professional obligations, and Growth Capital shall not be liable for the acts, omissions, or advice of such third parties.

3. Application and Consultation Process

3.1 Preliminary Application

The Website features a multi-step application form that collects preliminary information about your financial profile, objectives, and areas of interest. Submitting this form constitutes a request for a consultation and does not create a client-advisor relationship, obligate Growth Capital to accept you as a client, or bind either party to any engagement.

3.2 Review and Qualification

All applications are reviewed by our advisory team. Growth Capital reserves the sole and absolute discretion to accept, decline, or defer any application without providing reasons. We are under no obligation to engage with every applicant.

3.3 Private Consultation

Qualified applicants will be invited to a private, confidential consultation. This consultation serves as a mutual assessment of suitability and is conducted without obligation to either party. A formal advisory relationship commences only upon the execution of a separate engagement agreement between you and Growth Capital.

3.4 Accuracy of Information

You represent and warrant that all information provided to Growth Capital, whether through the Website application form, during consultations, or otherwise, is truthful, accurate, complete, and not misleading. You agree to promptly notify Growth Capital of any material changes to the information you have previously provided. Growth Capital shall not be liable for any consequences arising from your provision of inaccurate, incomplete, or misleading information.

4. Eligibility

4.1 Intended Audience

Our Services are designed for high-net-worth individuals (“HNWI”) and ultra-high-net-worth individuals (“UHNWI”) who possess the financial sophistication, experience, and resources appropriate for the types of advisory services and investment opportunities we facilitate.

4.2 Age Requirement

You must be at least 18 years of age, or the age of legal majority in your jurisdiction of residence, whichever is greater, to use this Website or engage our Services. By using the Website, you represent and warrant that you meet this age requirement.

4.3 Jurisdictional Restrictions

The Services described on this Website are not directed at, and are not intended for, persons in any jurisdiction where the provision or use of such services would be contrary to applicable laws or regulations. It is your responsibility to determine whether your access to and use of this Website and our Services complies with the laws of your jurisdiction.

5. Fees and Payment

5.1 Fee Disclosure

Growth Capital’s fee structure is discussed and agreed upon during the private consultation process on a case-by-case basis, commensurate with the scope, complexity, and nature of the Services to be rendered. Specific fees, retainers, success-based arrangements, or other compensation structures are not published on this Website and will be set out in the engagement agreement between you and Growth Capital.

5.2 Third-Party Costs

In the course of delivering our Services, third-party costs may be incurred, including but not limited to legal fees, government application fees, accounting charges, bank charges, and regulatory filing costs. Unless expressly agreed in writing, such third-party costs are your responsibility and are separate from Growth Capital’s advisory fees.

5.3 No Fees for Website Use

Access to the Website and the submission of a consultation application are provided at no charge. No fees are collected through the Website.

6. No Guarantee of Returns or Outcomes

Growth Capital does not guarantee or warrant any particular investment return, financial outcome, or result. Past performance, whether of Growth Capital, its team, or any investment opportunity presented, is not indicative of future results.

All investments carry risk, including the potential loss of principal. Venture capital and private equity investments, in particular, are illiquid, speculative, and involve a high degree of risk, including the possibility of total loss.

Any projections, forecasts, estimates, or forward-looking statements provided during consultations or in connection with our Services are illustrative only, are based on assumptions that may not materialise, and should not be relied upon as predictions of actual results.

7. Confidentiality

7.1 Our Obligations

Growth Capital treats all personal, financial, and business information provided by you as strictly confidential. We will not disclose your confidential information to any third party except: (a) with your express prior written consent; (b) to our affiliates, advisors, service providers, or professional partners who have a need to know and are bound by confidentiality obligations no less protective than those set out herein; (c) as required by applicable law, regulation, court order, or the directive of a competent regulatory authority; or (d) as necessary to provide the Services you have engaged us to deliver.

7.2 Your Obligations

You agree to maintain the confidentiality of all proprietary information, investment memoranda, deal terms, research, analysis, and other materials provided to you by Growth Capital. You shall not reproduce, distribute, or disclose such materials to any third party without our prior written consent.

7.3 Survival

The confidentiality obligations set forth in this section shall survive the termination or expiration of these Terms and any engagement agreement for a period of five (5) years.

8. Anti-Money Laundering and Know Your Customer

8.1 Compliance Framework

Growth Capital is committed to full compliance with applicable anti-money laundering (“AML”), counter-terrorism financing (“CTF”), and sanctions laws and regulations, including but not limited to UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and Illegal Organisations, and its implementing regulations and guidance issued by competent UAE authorities.

8.2 Know Your Customer Procedures

Prior to the formal establishment of any advisory engagement, Growth Capital will conduct know-your-customer (“KYC”) verification procedures. You agree to provide all documentation and information reasonably requested for the purposes of identity verification, source-of-funds verification, source-of-wealth assessment, sanctions screening, and politically exposed person (“PEP”) screening. Such documentation may include, without limitation, valid government-issued identification, proof of address, bank references, source-of-wealth declarations, and corporate documentation for legal entities.

8.3 Ongoing Monitoring

Growth Capital reserves the right to conduct enhanced due diligence and ongoing monitoring as required by applicable law. We may request additional information or documentation at any time during the course of our engagement and may suspend or terminate Services if satisfactory KYC and AML requirements are not met.

8.4 Suspicious Activity Reporting

Growth Capital is obligated to report suspicious transactions and activities to the UAE Financial Intelligence Unit and other relevant authorities as required by law. Such reports may be made without notice to you, and Growth Capital shall incur no liability for any loss arising from the making of such reports in good faith.

9. Intellectual Property

9.1 Ownership

All content on this Website, including but not limited to text, graphics, logos, trademarks, service marks, images, design elements, user interface, layout, data compilations, research, and software (collectively, “Website Content”), is the exclusive property of Growth Capital or its licensors and is protected by applicable intellectual property laws of the United Arab Emirates and international treaties.

9.2 Permitted Use

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Website Content solely for your personal, non-commercial use in connection with evaluating or engaging Growth Capital’s Services. This licence does not permit the reproduction, modification, distribution, display, performance, transmission, or creation of derivative works from any Website Content.

9.3 Restrictions

You shall not: (a) copy, reproduce, republish, upload, post, transmit, or distribute any Website Content; (b) use any Website Content for any commercial purpose without prior written consent; (c) remove, alter, or obscure any copyright, trademark, or other proprietary notices; or (d) use Growth Capital’s name, logo, or branding in any manner that suggests endorsement, affiliation, or sponsorship without prior written consent.

10. Website Use and Restrictions

10.1 Acceptable Use

You agree to use the Website only for its intended purpose of learning about Growth Capital’s Services and submitting consultation requests. You shall not use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.

10.2 Prohibited Activities

You shall not, directly or indirectly:

• Use any automated system, including but not limited to robots, spiders, scrapers, or crawlers, to access, extract, harvest, or collect data from the Website;
• Attempt to gain unauthorised access to any portion of the Website, its servers, systems, or networks;
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying technology of the Website;
• Use the Website to transmit any unsolicited commercial communications, advertising, or spam;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Use the Website in violation of any applicable local, national, or international law or regulation.

10.3 Website Availability

Growth Capital does not warrant that the Website will be available at all times or that access will be uninterrupted, timely, secure, or error-free. We reserve the right to modify, suspend, or discontinue the Website, or any part thereof, at any time without notice and without liability.

11. Limitation of Liability

11.1 General Limitation

To the fullest extent permitted by applicable law, Growth Capital, its officers, directors, partners, employees, agents, affiliates, and service providers shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, business opportunities, or investment returns, arising out of or in connection with your use of the Website, your engagement of our Services, or any information or materials provided to you, regardless of the theory of liability and even if Growth Capital has been advised of the possibility of such damages.

11.2 Maximum Liability

In no event shall Growth Capital’s aggregate liability to you, whether in contract, tort (including negligence), strict liability, or otherwise, exceed the total fees actually paid by you to Growth Capital during the twelve (12) months immediately preceding the event giving rise to the claim, or one thousand United States Dollars (USD 1,000), whichever is greater.

11.3 Exclusions

Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable UAE law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Growth Capital, its officers, directors, partners, 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 in connection with: (a) your breach of these Terms; (b) your use of the Website or Services; (c) your violation of any applicable law, regulation, or third-party right; (d) your provision of inaccurate, incomplete, or misleading information; or (e) any dispute between you and a third party arising from an introduction or referral made by Growth Capital.

13. Third-Party Links and Services

The Website may contain links to third-party websites, platforms, or services, including but not limited to scheduling tools, financial data providers, and regulatory bodies. These links are provided solely for your convenience. Growth Capital does not endorse, control, or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party website or service.

Your interaction with any third-party website or service is governed exclusively by that third party’s terms and policies, and Growth Capital shall have no liability in connection with your use of or reliance on any such third-party resources.

14. Data Protection and Privacy

Your use of the Website and the provision of personal information to Growth Capital is governed by our Privacy Policy, which forms an integral part of these Terms. By using the Website, you consent to the collection, processing, and use of your personal data as described in the Privacy Policy and in accordance with applicable UAE data protection laws, including UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data.

15. Disclaimers

15.1 Website Content

The Website and all Website Content are provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or freedom from error.

15.2 Market Information

Any market data, statistics, economic commentary, or financial information presented on the Website is provided for informational purposes only, may be delayed or inaccurate, and should not be relied upon for making investment decisions. Growth Capital is not responsible for any errors or omissions in such information.

15.3 Regulatory Status

Nothing on this Website constitutes an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorised, or in which Growth Capital is not qualified to make such offer or solicitation, or to any person to whom it would be unlawful to make such offer or solicitation.

16. Force Majeure

Growth Capital shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, government actions or sanctions, embargoes, regulatory changes, cyberattacks, disruption of telecommunications or internet services, power failures, strikes, or other labour disputes. Growth Capital shall use reasonable efforts to mitigate the effects of any force majeure event and shall resume performance as soon as reasonably practicable after the cessation of such event.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the federal laws of the United Arab Emirates and, where applicable, the local laws of the Emirate of Dubai, without regard to conflict of laws principles.

17.2 Jurisdiction

Any dispute, claim, or controversy arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates. You irrevocably submit to the jurisdiction of such courts and waive any objection to the exercise of such jurisdiction.

17.3 Pre-Litigation Resolution

Before commencing any legal proceedings, the parties agree to attempt to resolve any dispute amicably through good-faith negotiations for a period of not less than thirty (30) days following written notice of the dispute. Such notice shall be sent to the addresses specified in Section 21 of these Terms.

18. Modification of Terms

Growth Capital reserves the right to amend, modify, or replace these Terms at any time at its sole discretion. Any material changes will be reflected by updating the “Effective Date” and “Last Updated” date at the top of this page. It is your responsibility to review these Terms periodically.

Your continued use of the Website following the posting of revised Terms constitutes your acceptance of and agreement to the revised Terms. If you do not agree to the revised Terms, you must cease using the Website. For existing clients under an engagement agreement, any amendments to these Terms that materially affect the engagement will be communicated directly.

19. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent. If such modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

20. General Provisions

20.1 Entire Agreement

These Terms, together with the Privacy Policy and any executed engagement agreement, constitute the entire agreement between you and Growth Capital with respect to the subject matter hereof and supersede all prior or contemporaneous oral or written communications, proposals, and representations with respect to the Website or the Services.

20.2 Waiver

No failure or delay by Growth Capital in exercising any right, power, or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power, or remedy preclude any further exercise of that or any other right, power, or remedy.

20.3 Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without the prior written consent of Growth Capital. Growth Capital may freely assign its rights and obligations under these Terms to any affiliate, successor, or acquirer without your consent.

20.4 No Agency

Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Growth Capital, except as expressly set forth in a separate written agreement.

20.5 Language

These Terms are drafted in the English language. In the event of any conflict between the English version and any translation, the English version shall prevail.

21. Contact Information

For any questions, concerns, or notices relating to these Terms, please contact us: