1. Agreement to Terms & Precedence

These General Terms and Conditions (“Terms”) govern the professional relationship between Chartered Growth Consultants – FZCO (“CGC”, “we”, “us”) and any individual, corporate enterprise, or legal entity (“Client”, “you”) who accesses our website (charteredgrowth.ae) or engages our corporate advisory, tax, bookkeeping, or company formation services.

2. Definitions & Interpretation

3. Scope of Professional Advisory Services

CGC provides strategic business consulting, corporate structuring, accounting, and taxation support across the UAE and GCC. Services are delivered on a professional best-efforts basis based upon facts and documentation provided by the Client:

4. Client Obligations & Information Accuracy

The accuracy, completeness, and timeliness of CGC’s advisory deliverables depend directly upon the records provided by the Client. The Client explicitly warrants that:

• All invoices, bank statements, corporate contracts, and shareholder records supplied to CGC are genuine, authentic, and complete.
• The Client maintains lawful title to all assets and businesses for which advice is requested.
• The designated client representative possesses formal corporate authority (e.g. Board Resolution, Power of Attorney) to bind the entity.

5. Regulatory Filings, FTA Deadlines & Tax Liability

6. Professional Fees, Invoicing & Retainers

• Currency & VAT: All professional advisory fees are quoted in United Arab Emirates Dirhams (AED) and are exclusive of applicable 5% UAE Value Added Tax (VAT), which shall be charged additionally in accordance with UAE VAT Law.
• Government & Authority Fees: Third-party government fees (e.g. Free Zone license fees, immigration charges, FTA registration charges) are separate disbursements payable in advance by the Client.
• Payment Terms: Invoices are payable within 14 calendar days from the invoice date. CGC reserves the right to withhold work product or pause filings if invoices remain outstanding beyond terms.

7. Intellectual Property & Deliverables

CGC retains all intellectual property rights in its proprietary methodologies, computational templates, tax advisory frameworks, and pre-existing analytical models. Upon full settlement of all fees, the Client receives a non-exclusive, perpetual license to use the final delivered reports solely for its own internal business and statutory compliance purposes.

8. Professional Secrecy & Confidentiality

Both parties agree to treat all business, financial, operational, and commercial information disclosed during the engagement as strictly confidential. CGC will not disclose client secrets to third parties without prior authorization, except where mandated by statutory law, court subpoena, or formal audit requests from UAE government authorities.

9. Anti-Money Laundering (AML/CFT) & GoAML Mandates

As a designated corporate service provider in the UAE, CGC is subject to Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT). The Client agrees to submit all requested KYC, UBO, and source-of-funds verification. CGC reserves the unconditional right to terminate any engagement immediately and report suspicious transactions via the UAE GoAML portal where required by federal law, without incurring liability to the Client.

10. Limitation of Liability

To the fullest extent permitted under UAE Law:

• Aggregate Liability Cap: CGC’s aggregate financial liability arising out of or in connection with any engagement shall be strictly limited to the total professional fees actually received by CGC for the specific service giving rise to the claim during the preceding three (3) months.
• Consequential Damages: Under no circumstances shall CGC be liable for loss of profits, commercial goodwill, business interruption, or indirect, punitive, or consequential damages.

11. Suspension & Termination

Either party may terminate an ongoing advisory engagement by providing thirty (30) calendar days written notice. CGC may terminate immediately if the Client fails to make scheduled retainer payments, engages in unlawful conduct, or breaches UAE AML/CFT regulations. Upon termination, all work performed up to the date of termination shall be billed and settled immediately.

12. Governing Law & Dispute Resolution

These Terms and all related engagements shall be governed by and construed in accordance with the Federal Laws of the United Arab Emirates and the local laws of the Emirate of Dubai. Any dispute, controversy, or claim arising out of or relating to these Terms shall be submitted to the exclusive jurisdiction of the competent civil courts of Dubai, United Arab Emirates (unless the relevant LoE specifically stipulates DIFC Courts jurisdiction).