Acceptance of Terms of Use

• This website https://hoam.iskaan.com is inclusive use of HOAM- Highrise Owners Association Management, the content of which is restricted and uploaded by us or any others authorized by us
• By accessing and using the website, you are accepting these terms of use and agreeing to abide by them
• If you do not agree to these terms of use, you are not permitted to use the website. In addition, if you access the website or used it inappropriately, action may be taken against you

SECURITY CAPABILITIES AND POLICY FOR TRANSMISSION OF PAYMENT CARD

• When you process payments, we use verified Internet Payment Gateway. All payment process happens on Banks IPG, a secure server software (SSL) encrypts all Credit Card information you input before it is sent for processing.
• Furthermore, all customer contact information collected is protected by several layers of encryption and several layers of security to prevent unauthorized access.
• All credit card payments are processed securely through Bank IPG, and we do not store any credit card information on our servers.

Proprietary Rights

• HOAM- Highrise Owners Association Management is the user of all the information on the website; it is a collective work and / or compilation solely owned by us. The website is protected by copyright laws and treaties around the world.
• You may not copy, distribute, reproduce, sell, lease, assign, rent, sublicense or encumber any aspect of the website or its content (as defined below in the clause pertaining to ‘Content’) You may not modify or create derivative works of any aspect of the website or its content (as defined below in the clause pertaining to ‘Content’)
• You may not disassemble or decompile, reverse engineer or otherwise attempt to discover any source code contained in the website or any software or database connected to it. By doing so, you will be infringing copyright and privacy laws that may be punishable

Content

• ‘Content’ refers to any listing, forums, event listings, reviews, postings, messages, text, files, images, photos or any other material posted on the website
• By posting content on the website:
• you grant HOAM- Highrise Owners Association Management the non-exclusive, worldwide, irrevocable, royalty-free, sub-licensable right to use, copy, reproduce, distribute perform, display, modify or create derivative works of the content perpetually and for any lawful purpose HOAM- Highrise Owners Association Management sees fit
• you waive all rights, moral or otherwise, with regard to any content
• you permit any other user of the website to access, display, view, store and reproduce such content
• you grant HOAM- Highrise Owners Association Management the right to prohibit the subsequent access, storage and reproduction or use of said content by any party to any extent HOAM- Highrise Owners Association Management deems fit

Links to third party sites

• Where the website contains links to other sites and resources provided by third parties, they are provided for information purposes only
• We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them

Privacy Policy

• We respect your privacy and have developed a detailed Privacy Policy that is incorporated into this agreement. Please take the time to read it. By agreeing to these terms of use, you are also accepting the terms of our Privacy policy

Accessing and linking to the website

• Your access to the website is provided on a non-exclusive, temporary and revocable basis by HOAM- Highrise Owners Association Management, and we reserve the right to withdraw or amend your right to access to it without notice
• We will not be liable if for any reason if the website is unavailable at any time or for any period
• You may not: use any robot spider, scraper or other automated means to access HOAM- Highrise Owners Association Management or the website to collect content for any purpose or otherwise copy or download content. A limited exception is granted to search engines and non-commercial public archives, but not for websites that include any form of classified listings
• harvest or otherwise collect information about others, including email addresses, without their consent
• You may establish a hyperlink on your website to our website, or to postings within it, for non-commercial use, so long as you do so in a way that is fair and legal and does not damage or take advantage of HOAM- Highrise Owners Association Management’s reputation (or of any person connected to the company)
• You must not establish a hyperlink in a misleading way or to suggest any form of association, approval or endorsement of HOAM- Highrise Owners Association Management or any other third party where none exists The website must not be framed on any other website
• We reserve the right to withdraw or amend the above linking permission without advance notice. The website from which you are linking must comply in all respects with the content standards set out in these terms of use
• You may not use automated means to post content on the website (via the web interface) without our explicit consent
• You may not maintain more than one account
• If we disable your account, you may not create another one without our permission
• The customer using the website who are Minor /under the age of 18 shall not register as a User of the website and shall not transact on or use the website.
• We accept payments online using Visa and MasterCard credit/debit card in AED (Emirati Dirhams)
• The cardholder must retain a copy of transaction records and Merchant policies and rules.

Delivery, Returns, Cancellation and Refunds

• HOAM- Highrise Owners Association Management will NOT deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the law of UAE.
• At the time of checkout disclose to the cardholder, the possibility that multiple shipments may result in multiple postings to the cardholder’s monthly statement.
• Delivery in case of certificates, permits, and access card means delivery via email as attachment, or downloadable link, or where applicable and required a hard copy either collected from our office, or available pickup points or couriered (at an additional charge).
• Certificates and permits once ordered cannot be cancelled, returned or refunded except where there is an error on our part in the contents of the certificate or permit. The customer must report the error/discrepancy within 7 days of delivery. In such case HOAM- Highrise Owners Association Management will issue a replacement without any additional charge. The customer must report the error/discrepancy within 7 days of delivery.
• On our website, we do not permit refunds, exchange, and returns for the services on the Site. Refunds, exchange, and returns will only be issued subject to approval for the valid reasons mentioned below:
• Payment mistakenly done for service not intended for.
• Refunds will be done only through the original Mode of Payment.
• Refunds, exchange or replacement will only be offered to the same person who originally purchased the products/services on the Site and the Site may ask for further identification.
• 7 days from the date of the receipt of your written replacement request, which shall be submitted by you on the same day you received your order confirmation.


• Refunds will be done only through the Original Mode of Payment

Limitation on the usage of the website

• We may establish limitations, at our sole discretion, on your usage of the website, including, but not limited to, limitations on the length of time any content may remain on the website, the file size of an individual item of content, the number of items of content that can be posted or the contents in its entirety

Disclaimer of Warranties

• You use the website at your own risk
• HOAM- Highrise Owners Association Management Hereby disclaims any representations or warranties of any kind, whether oral or written, whether expressed, implied or arising by statute, custom, course or dealing or trade usage, with respect to the website or any services provided therein. Notwithstanding the generality of the foregoing, we specifically disclaim the following with respect to the website:
• implied warranties or conditions of title, merchantability, fitness for a particular purpose, or non-infringement of any service or good acquired by you from a third party
• the accuracy, timeliness, security and performance of the website
• freedom from any errors or viruses, trojans, worms, logic bombs or other material, which is malicious or technologically harmful

Limitation of Liabilities

• To the maximum extent permitted by applicable law, we hereby expressly exclude any liability for any damages whatsoever, including, without limitation, direct, indirect, special, punitive, incidental or consequential loss or damage incurred by any user in connection with the website or in connection with the use, inability to use, or results of the use of it, any websites linked to it and any materials posted on it, including, without limitation, any liability for loss of the following caused by tort (including negligence), breach of contract or otherwise, even if foreseeable:
• income or revenue
• business
• profits
• contracts
• anticipated savings
• data
• goodwill
• any other loss or damage of any kind/p>
• In particular, we are not liable for any damage or losses resulting to you or a third party from:
• the use, or the inability to use, the website
• services or goods acquired through the website
• any content displayed on the website
• a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of the website or to your downloading of any material posted on it, or any website linked to it

Violation of terms of use

• Please notify us if you become aware of any violations by third parties of these terms of use

Indemnity

• You agree to indemnify, defend and hold harmless, HOAM- Highrise Owners Association Management, its shareholders, officers, directors, employees and agents from any claims, actions, demands, damage, losses or attorney fees alleging or resulting from your use or misuse of the website or any content, your breach of these terms of use, your violation of any third party’s proprietary rights, or any disputes between you and one or more users connected to or arising from the website in any way

Enforcement of terms of use

We reserve the right to take steps we believe are reasonable and necessary or appropriate to enforce and / or verify compliance with any of these terms of use (including, but not limited to, our right to co-operate with any legal process relating to your use of it, and / or a third party claim that your use of it is unlawful and / or infringes that third party’s rights).

• You agree that we have the right, without liability to you, to disclose any registration data and / or account information to law enforcement authorities, government officials and / or third parties, as we believe reasonably necessary or appropriate to enforce and / or verify compliance with any of these terms of use (including, but not limited to, our right to co-operate with any legal process relating to your use of the website, and / or a third party claim that your use of the website is unlawful and / or infringes on that third party’s rights)

Termination of access to the website

• We reserve the right to block or stop you from accessing the website for any breach of these terms of use at any time, without notice
• We reserve the right to delete any of your content from the website at any time
• We are not liable to you or a third party for any termination of your access to the website or deletion of your posted content
• You agree not to try to use the website after termination

General

• You agree that the fact that these terms of use are in electronic format does not affect in any way their validity or enforceability.
• These terms of use (together with any other executed agreement) constitute the entire agreement between you and ICM regarding its subject matter and supersede any contemporaneous or prior oral or written agreements, representations, understandings or discussions between you and us, whether implied or express.
• HOAM- Highrise Owners Association Management’s delay or failure to exercise a right or act on a breach of these terms of use does not waive our right to do so in the future.
• The provisions of these terms of use are deemed severable, and if any provision is determined to be illegal or invalid under applicable law, such provision may be changed to the extent reasonably necessary to make the provision, as so changed, legal, valid and binding.
• You may not assign any part of these terms of use without HOAM- Highrise Owners Association Management’s express written permission. We may assign these terms of use immediately upon posting a notice of such assignment on the website.

Governing Law and dispute resolution

• These terms are governed by the laws applicable in the emirate of Dubai as we as Federal Statutes applicable in the country of the United Arab Emirates

Modifications to terms of use

• We reserve the right at any time, and from time to time, to update, revise, supplement and otherwise modify these terms of use and to impose new and / or additional rules, policies, terms and / or conditions on your use of the website (collectively referred to as ‘additional terms’). They will be effective immediately and incorporated into these terms of use. Your continued use of the website constitutes your acceptance of all terms.