Contact Us:

670 Lafayette Ave, Brooklyn,
NY 11216

+1 800 966 4564
+1 800 9667 4558

These terms and conditions (“Agreement”) set forth the general terms and conditions of your use of the PROBLEM.AE website or mobile application (“Platform”) and any of their related products and services (collectively, “Services”). This Agreement is legally binding between you ( “Advisor”, “Consultant”, “User”, “you” or “your”) and THE PROBLEM-SOLVING HUB LLC (“THE PROBLEM-SOLVING HUB LLC”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “Advisor”, “Consultant”, “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Services. By accessing and using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. You, the Advisor, acknowledge that PROBLEM.AE operates as a platform facilitated by THE PROBLEM-SOLVING HUB LLC to connect you with users seeking services. You recognize and affirm that this Agreement constitutes a legally binding contract between you, the Advisor, and THE PROBLEM-SOLVING HUB LLC. This Agreement, although electronic and not physically signed by you, presides over your provision of services and interactions on the platform.

Accounts and membership

As an Advisor on the platform facilitated by us, you must be at least 18 years of age to offer your services on the platform. By registering as an Advisor and agreeing to this Agreement, you warrant and represent that you are at least 18 years of age. Should you create an account on the Services, you bear the responsibility for safeguarding its security. You hold complete responsibility for all activities that transpire under your account and any other related actions. We reserve the right to monitor and assess new Advisor accounts prior to granting full access to the platform. Submission of falsified contact information or credentials can result in the immediate termination of your account. You are obligated to promptly alert us of any unauthorized use of your account or any security breaches. We will not bear liability for any of your actions or omissions, including any repercussions or damages stemming from such actions. If it is determined that you have violated any provisions of this Agreement or conducted yourself in a manner that might tarnish our reputation and goodwill, we retain the right to suspend, disable, or delete your account. In the event of account deletion for the said reasons, you are prohibited from re-registering on our Services. We may take measures such as blocking your email address and Internet protocol address to avert future registrations.

Advisor and User content

As an Advisor on the Platform, the data, information, or material (collectively, “Content”) you submit through the Platform while rendering your services remains under your ownership. The onus is on you to ensure the accuracy, quality, integrity, legality, reliability, appropriateness, and the rightful intellectual property ownership or the right to use all shared Content. While we retain the right to monitor and review the Content submitted or fashioned using our Services, there is no binding obligation to do so. By utilizing our Services, you grant us permission to access, replicate, distribute, save, transmit, reformat, display, and utilize the Content linked to your Advisor account. This is primarily to facilitate the effective provision of Services to you. Moreover, you bestow upon us a license to employ, adapt, modify, publish, or distribute the Content created by you or stored under your Advisor account for promotional, marketing, or analogous business-related purposes.

The content, information, or materials (“Content”) you input, submit, or provide on the Website and Mobile Application remains your property. You bear the sole responsibility regarding the accuracy, quality, legality, reliability, relevance, and the right to use all Content submitted. While we reserve the right to monitor and review the Content you introduce on the Website and Mobile Application, we are not obligated to do so.

By using our Services, you grant us the authority to access, duplicate, distribute, save, transmit, format, showcase, and perform the Content solely for the purpose of offering our Services to you. Additionally, you grant us the right to use, reproduce, adapt, modify, publish, or distribute any Content from your user account for purposes including but not limited to commercial, marketing, or other similar endeavours.

Billing and payments

All fees or charges associated with your account must be paid in line with the prevailing fees, charges, and billing terms at the time such a fee or charge becomes due. If you have opted for auto-renewal of the Services, your account will be automatically billed in alignment with the selected term.

Should we determine that your purchase poses a high-risk transaction, we may request you to furnish a valid, government-issued photo identification. In certain instances, we might also request a recent bank statement corresponding to the credit or debit card utilized for the transaction.

We maintain the right to adjust product offerings and their respective pricing at our discretion. Moreover, we reserve the prerogative to decline any order you place. In our sole discretion, we might set limitations or cancel quantities procured per individual, per household, or per order. Such limitations could be applicable to orders emanating from the same user account, identical credit cards, and/or orders with matching billing and/or shipping details. If an alteration or cancellation is imposed on an order, our attempt will be to inform you using the email or billing address/phone number provided during the order placement.

Advisor Terms
  1. Platform’s Role: The Platform serves as a conduit, enabling advisors from diverse domains to showcase their expertise and services to users.
  2. Use of Advisor Information: The Platform utilizes the data provided by Advisors for promotional purposes, both for the Platform itself and for showcasing individual Advisors when deemed necessary.
  3. Accuracy of Information: Advisors commit to providing authentic and accurate information concerning their expertise, qualifications, and any other details requested by the Platform.
  4. Advertisement Consent: Advisors grant their consent to be promoted as associated members of the Platform via various marketing channels, including social media platforms.
  5. Qualification Mandate: Advisors who have not procured the necessary industry qualifications must do so within a one-month window. Non-compliance will lead to the removal of the Advisor’s profile from the Platform.
  6. Feedback and Refund Policy: In instances where an Advisor receives feedback rated less than 2 stars by a user, the Platform will initiate a full refund to the concerned user.
  7. Liability Disclaimer: The Platform does not hold any liability or responsibility pertaining to the accuracy or implications of the information provided by Advisors.
  8. Payment Protocols: Advisors are strictly prohibited from soliciting or accepting direct payments from users who discovered their services through the Platform. All financial transactions should be processed via the Platform.
  9. Consultation Availability: Advisors are obliged to set and make available specific timings for consultations to serve the users of the Platform.
  10. Booking of Consultation: A consultation session can only be confirmed and scheduled once the user has made the requisite purchase on the Platform.
  11. Payment Handling: The Platform manages and collects payments for consultation sessions directly from users via its integrated payment gateway.
  12. Commission and Payment Breakdown: We retain 20% of the value of every successfully completed consultation, which encompasses bank transfer charges and any additional fees. We shall disburse the remaining 80% to the Advisor.
  13. Payment Modes: Advisors will receive their payment either through the account they’ve registered on the Platform or via other legally recognized payment channels. For Advisors having a signed agreement with us, alternative payment methods such as Al Ansari Exchange in UAE might be considered.
  14. Payment Schedule: Payments to Advisors are processed on the 30th day of each month, with the sole exception of February, when payments are made on the 28th.
  15. Payment Criteria: Advisors are compensated only for consultations that have been conducted and for sessions cancelled late by users. However, no payment shall be made for sessions not completed due to faults attributable to the Advisor. We reserve the right to evaluate whether a session’s non-completion is a result of the Advisor’s actions or a user’s and make the final decision on payment eligibility.
  16. Punctuality: Advisors are required to be present for a booked session on the Platform at least 15 minutes before its commencement. If an Advisor anticipates being late, they must notify the user in advance using the notification system on the Platform.
  17. Communication Restrictions: Advisors are strictly prohibited from communicating with users outside the provided channels on the Platform, except during active consultation sessions.
  18. Emergency Assistance: In emergencies or if additional support is needed, Advisors should immediately contact the administrative support of our company.
  19. User Cancellation Rights: Users are entitled to cancel or reschedule a session without incurring any penalties, provided they do so at least Twenty-Four hours before the session’s scheduled start.
  20. Penalty for Late Cancellation by User: If a user fails to cancel or reschedule a session within the Twenty-Four-hour window, the Advisor will be compensated their full fee minus our commission, as if the session had been completed.
  21. Availability Requirement: Advisors must ensure a minimum of two hours of available slots for sessions every day unless specified otherwise.
  22. Compensation for Advisor’s Tardiness: Should an Advisor be late for a session; they are obligated to extend the session by the equivalent duration of their delay.
  23. User Tardiness: If a user arrives late to a session due to their own oversight and the session commences later than scheduled, the Advisor is not mandated to extend the session beyond the initially booked time.
  24. No-Show Procedure: Advisors must remain online for the entirety of a booked session, even if a user fails to appear. In the event of a no-show, Advisors should notify our administrative team via email 15 minutes after the scheduled start.
  25. Reporting Irregularities: All inconsistencies or issues must be promptly reported by Advisors. Email reports to our administrative team should clearly detail the Advisor’s name, customer’s name, session start date and time, and the reason for the report.
  26. Late Notification: In the event an Advisor is tardy for a session, they are required to inform the user by dispatching a notification through the Platform.
  27. Timeliness: Advisors must ensure they are not late by more than ten minutes for any booked session on the Platform.
  28. Emergency Notification: In emergencies, Advisors must notify users at least fifteen minutes prior to the session’s commencement. They must send a notification via the Platform and an email to our administrative team, detailing their name, session time, location, client name, and the emergency reason.
  29. Missed Session Penalties: If an Advisor fails to conduct a session due to their own mistakes or emergencies, regardless of external influences, they will not receive any payment for that session.
  30. Allowances for Cancellations: Advisors are permitted one emergency cancellation and one unintentional missed session per month. Sessions not conducted beyond this allowance will be viewed as the Advisor’s fault, and we reserve the right to remove the Advisor from the Platform.
  31. Professionalism: Repeated tardiness, unprofessional behavior, or consistent complaints from the same or various users can result in temporary or permanent removal of the Advisor from the Platform.
  32. Discretionary Actions: It’s at our discretion to decide what corrective or punitive actions will be taken against an Advisor in any matter, whether described here or otherwise.
  33. Warnings and Removal: If an Advisor neglects to adhere to procedures, they will be issued one warning. Repeated violations will result in their permanent removal from the Platform.
  34. Right to Remove Advisors: We reserve the right to remove an Advisor from the Platform at any given time based on our judgment.
  35. Advisor-User Relationship: The Advisor assumes full responsibility and liability concerning their relationship with users, exempting us from any obligations.
  36. Disputes Between Advisor and Users: If conflicts arise between an Advisor and a user during, before, or after a session, the Advisor must address it privately with the user. We will not be held accountable or liable for such disputes.
VAT and Taxes

Value Added Tax (VAT): We reserve the right to levy VAT (as stipulated by UAE law) on any fees payable by Users concerning the Services. This encompasses, but is not restricted to, charges related to consultation sessions, subscription models, or any other additional services provided through the Platform.

Income Tax Responsibilities: Advisors are solely responsible for the payment of any income tax arising from their earnings on the Platform. This responsibility extends and conforms to the taxation regulations of the country in which the Advisor resides.

Accuracy of information

From time to time, the Platform may contain inaccuracies or typographical errors regarding information such as availability, promotions, and offers. We retain the right to rectify any inaccuracies, errors, or omissions and to make changes or updates to information, or cancel orders if any information on the Platform is erroneous, without any prior notice (this includes after an order has been submitted by you). We are under no commitment to update, amend, or clarify information on the Platform, including pricing details, except where mandated by applicable laws. The absence of a specified update or refresh date on the Platform should not be interpreted to mean that all information on the Platform has been revised or refreshed.

Third party services

Should you choose to enable, access, or utilize services from a third-party, be aware that your access to and use of these services will be governed solely by the terms and conditions set by those third-party services. We neither endorse nor assume responsibility for these third-party services, including their content, functionalities, or their methods of handling data (your data included). Any interactions or transactions between you and these third-party service providers are strictly between you and the said provider.

Any claims or grievances regarding these third-party services must not be directed towards us. We will not be held responsible or liable for any damages or losses incurred or claimed to have been incurred through your use or reliance upon third-party services. Your interaction with these services might require you to register or log in through their platforms. Should you enable such services, you are providing explicit permission for us to share your data as necessary to facilitate the integration or functioning of that service with our Platform.

Uptime guarantee

We offer a Service uptime guarantee of 99% of available time per month. The service uptime guarantee does not apply to service interruptions caused by: (1) periodic scheduled maintenance or repairs we may undertake from time to time; (2) interruptions caused by you or your activities; (3) outages that do not affect core Service functionality; (4) causes beyond our control or that are not reasonably foreseeable; and (5) outages related to the reliability of certain programming environments.

Advertisements

During your use of the Services, you may enter into correspondence with or participate in promotions of advertisers or sponsors showing their goods or services through the Services. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third party. We shall have no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any such third party.

Links to other resources

Although the Services may link to other resources (such as websites, mobile applications, etc.), we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked resource, unless specifically stated herein. Some of the links on the Services may be “affiliate links”. This means if you click on the link and purchase an item, THE PROBLEM-SOLVING HUB LLC will receive an affiliate commission. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their resources.

We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties. You should carefully review the legal statements and other conditions of use of any resource that you access through a link on the Services. Your linking to any other off-site resources is at your own risk.

Prohibited uses

In addition to other terms as set forth in the Agreement, you are prohibited from using the Services or Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services, third party products and services, or the Internet; (h) to spam, phish, pharm, pretext, spider, crawl, or scrape; (i) for any obscene or immoral purpose; or (j) to interfere with or circumvent the security features of the Services, third party products and services, or the Internet; (k) to record the video calls or sessions yourself; (l) to contact or connect with the Advisor through any channel or platform other than the Website and the Mobile Application. We reserve the right to terminate your use of the Services for violating any of the prohibited uses.

Intellectual property rights

“Intellectual Property Rights” means all present and future rights conferred by statute, common law or equity in or in relation to any copyright and related rights, trademarks, designs, patents, inventions, goodwill, and the right to sue for passing off, rights to inventions, rights to use, and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, rights to claim priority from, such rights and all similar or equivalent rights or forms of protection and any other results of intellectual activity which subsist or will subsist now or in the future in any part of the world. This Agreement does not transfer to you any intellectual property owned by THE PROBLEM-SOLVING HUB LLC or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with THE PROBLEM-SOLVING HUB LLC.

All trademarks, service marks, graphics, and logos used in connection with the Services, are trademarks or registered trademarks of THE PROBLEM-SOLVING HUB LLC or its licensors. Other trademarks, service marks, graphics, and logos used in connection with the Services may be the trademarks of other third parties. Your use of the Services grants you no right or license to reproduce or otherwise use any of THE PROBLEM-SOLVING HUB LLC or third-party trademarks.

Non-Circumvention

The have attempted to limit the non-circumvention provision so that it applies only to the extent necessary to protect legitimate business and property interests.

The users should safeguard and keep all information from the Website and the Mobile Application confidential and should not be disclosed to any other person or entity.

The users shall not use the Website and the Mobile Application information for any purpose other than those related to the services.

The Advisor agrees not to contact the user provided from the Website and the Mobile Application outside the Website and the Mobile Application and the user agrees not to contact the Advisor or user provided from the Website and the Mobile Application outside the Website and the Mobile Application.

No contact and personal information other than what is shared on the Website and the Mobile Application shall be shared with any Advisor provided from the Website and the Mobile Application.

Disclaimer of warranty

You agree that such Service is provided on an “as is” and “as available” basis and that your use of the Services is solely at your own risk. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranty that the Services will meet your requirements, or that the Service will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of the Service or as to the accuracy or reliability of any information obtained through the Service or that defects in the Service will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of Service is done at your own discretion and risk and that you will be solely responsible for any damage or loss of data that results from the download of such material and/or data. We make no warranty regarding any goods or services purchased or obtained through the Service or any transactions entered into through the Service unless stated otherwise. No advice or information, whether oral or written, obtained by you from us or through the Service shall create any warranty not expressly made herein.

Limitation of liability

To the fullest extent permitted by applicable law, in no event will THE PROBLEM-SOLVING HUB LLC, its affiliates, directors, officers, employees, agents, suppliers or licensors be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of the content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability, including, without limitation, contract, tort, warranty, breach of statutory duty, CV, personal information, bank account information, negligence or otherwise, even if the liable party has been advised as to the possibility of such damages or could have foreseen such damages.

To the maximum extent permitted by applicable law, the aggregate liability of THE PROBLEM-SOLVING HUB LLC and its affiliates, officers, employees, agents, suppliers, and licensors relating to the services will be limited to an amount no greater than one United Arab Emirates Dirham or any amounts actually paid in cash by you to THE PROBLEM-SOLVING HUB LLC for the prior one-month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or failure of its essential purpose. THE PROBLEM-SOLVING HUB LLC shall also not be liable for any issues between you and the Advisor arising during, before, or after the sessions.

Indemnification

You agree to indemnify and hold THE PROBLEM-SOLVING HUB LLC and its affiliates, directors, officers, employees, agents, suppliers, and licensors harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys’ fees, incurred in connection with or arising from any third party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your Content, your use of the Services or any willful misconduct on your part.

Severability

All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid, or unenforceable. Suppose any provision or portion of any provision of this Agreement shall be held to be illegal, invalid, or unenforceable by a court of competent jurisdiction. In that case, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof. All such remaining provisions or portions thereof shall remain in full force and effect.

Dispute resolution

The formation, interpretation, and performance of this Agreement and any disputes arising out of it shall be governed by the substantive and procedural laws of the United Arab Emirates without regard to its rules on conflicts or choice of law and, to the extent applicable, the laws of United Arab Emirates. The exclusive jurisdiction and venue for actions related to the subject matter hereof shall be the courts located in the United Arab Emirates, and you hereby submit to the personal jurisdiction of such courts. You hereby waive any right to a jury trial in any proceeding arising out of or related to this Agreement. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

Assignment

You may not assign, resell, sub-license, or otherwise transfer or delegate any of your rights or obligations hereunder, in whole or in part, without our prior written consent, which consent shall be at our own sole discretion and without obligation; any such assignment or transfer shall be null and void. We are free to assign any of its rights or obligations hereunder, in whole or in part, to any third party as part of the sale of all or substantially all of its assets or stock or as part of a merger.

Changes and amendments

We reserve the right to modify this Agreement or its terms related to the Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.

An updated version of this Agreement will be effective immediately upon the posting of the revised Agreement unless otherwise specified. Your continued use of the Services after the effective date of the revised Agreement (or such other act specified at that time) will constitute your consent to those changes.

Acceptance of these terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By accessing and using the Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to access or use the Services.

Contacting us

If you have any questions, concerns, or complaints regarding this Agreement, we encourage you to contact us using the details below:

contactus@problem.ae

This document was last updated on August 18, 2023

Privacy policy

We respect your privacy and are committed to protecting it through our compliance with this privacy policy (“Policy”). This Policy describes the types of information we may collect from you or that you may provide (“Personal Information”) on the PROBLEM.AE website (“Website”), “PROBLEM.AE” mobile application (“Mobile Application”), and any of their related products and services (collectively, “Services”), and our practices for collecting, using, maintaining, protecting, and disclosing that Personal Information. It also describes the choices available to you regarding our use of your Personal Information and how you can access and update it.

This Policy is a legally binding agreement between you (“User”, “you” or “your”) and THE PROBLEM-SOLVING HUB LLC  (“THE PROBLEM-SOLVING HUB LLC ”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Services. By accessing and using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Policy. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage.

Automatic collection of information

When you open the Website or use the Mobile Application, our servers automatically record information that your browser or device sends. This data may include information such as your device’s IP address and location, browser and device name and version, operating system type and version, language preferences, the webpage you were visiting before you came to the Services, pages of the Services that you visit, the time spent on those pages, the information you search for on the Services, access times and dates, and other statistics.

Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding the usage and traffic of the Services. This statistical information is not otherwise aggregated in such a way that would identify any particular User of the system.

Collection of personal information

You can access and use the Services without telling us who you are or revealing any information by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the features offered on the Services, you may be asked to provide certain Personal Information (for example, your name and e-mail address).

We receive and store any information you knowingly provide to us when you create an account, publish content, make a purchase,  or fill any forms on the Services. When required, this information may include the following:

– Account details (such as user name, unique user ID, password, etc)

– Contact information (such as email address, phone number, etc)

– Basic personal information (such as name, country of residence, etc)

– Proof of identity (such as a photocopy of a government ID)

– Certain features on the mobile device (such as  calendar, gallery, etc)

– Any other materials you willingly submit to us (such as articles, images, feedback, etc)

Some of the information we collect is directly from you via the Services. However, we may also collect Personal Information about you from other sources such as social media platforms, public databases, third-party data providers, and our joint partners. Personal Information we collect from other sources may include demographic information, such as age and gender, device information, such as IP addresses, location, such as city and state, and online behavioral data, such as information about your use of social media websites, page view information and search results and links.

You can choose not to provide us with your Personal Information, but then you may not be able to take advantage of some of the features on the Services. Users who are uncertain about what information is mandatory are welcome to contact us.

Privacy of children

We do not knowingly collect any Personal Information from children under the age of 18. If you are under the age of 18, please do not submit any Personal Information through the Services. If you have reason to believe that a child under the age of 18 has provided Personal Information to us through the Services, please contact us to request that we delete that child’s Personal Information from our Services.

We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Policy by instructing their children never to provide Personal Information through the Services without their permission. We also ask that all parents and legal guardians overseeing the care of children take the necessary precautions to ensure that their children are instructed to never give out Personal Information when online without their permission.

Use and processing of collected information

We act as a data controller and a data processor in terms of the GDPR when handling Personal Information, unless we have entered into a data processing agreement with you in which case you would be the data controller and we would be the data processor.

 Our role may also differ depending on the specific situation involving Personal Information. We act in the capacity of a data controller when we ask you to submit your Personal Information that is necessary to ensure your access and use of the Services. In such instances, we are a data controller because we determine the purposes and means of the processing of Personal Information and we comply with data controllers’ obligations set forth in the GDPR.

We act in the capacity of a data processor in situations when you submit Personal Information through the Services. We do not own, control, or make decisions about the submitted Personal Information, and such Personal Information is processed only in accordance with your instructions. In such instances, the User providing Personal Information acts as a data controller in terms of the GDPR.

In order to make the Services available to you, or to meet a legal obligation, we may need to collect and use certain Personal Information. If you do not provide the information that we request, we may not be able to provide you with the requested products or services. Any of the information we collect from you may be used for the following purposes:

– Create and manage user accounts

– Fulfill and manage orders

– Deliver products or services

– Improve products and services

– Send administrative information

– Send marketing and promotional communications

– Send product and service updates

– Respond to inquiries and offer support

– Request user feedback

– Improve user experience

– Post customer testimonials

– Deliver targeted advertising

– Administer prize draws and competitions

– Enforce terms and conditions and policies

– Protect from abuse and malicious users

– Respond to legal requests and prevent harm

– Run and operate the Services

Processing your Personal Information depends on how you interact with the Services, where you are located in the world and if one of the following applies: (i) you have given your consent for one or more specific purposes; this, however, does not apply, whenever the processing of Personal Information is subject to California Consumer Privacy Act or European data protection law; (ii) provision of information is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof; (iii) processing is necessary for compliance with a legal obligation to which you are subject; (iv) processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us; (v) processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. We may also combine or aggregate some of your Personal Information in order to better serve you and to improve and update our Services.

We rely on the following legal bases as defined in the GDPR upon which we collect and process your Personal Information:

– User’s consent

– Performance of a contract

– Employment or social security obligations

– Compliance with the law and legal obligations

– Provision of health or social care

– Legal claims and proceedings

– Protection of someone’s life

– Public interest or official function

– Our own legitimate interests

– Research or statistics for the benefit of the public

– Personal Information is already publicly available

Note that under some legislations we may be allowed to process information until you object to such processing by opting out, without having to rely on consent or any other of the legal bases above. In any case, we will be happy to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Payment processing

In case of Services requiring payment, you may need to provide your credit card details or other payment account information, which will be used solely for processing payments. We use third-party payment processors (“Payment Processors”) to assist us in processing your payment information securely.

Payment Processors adhere to the latest security standards as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover.  Sensitive and private data exchange happens over a SSL secured communication channel and is encrypted and protected with digital signatures, and the Services are also in compliance with strict vulnerability standards in order to create as secure of an environment as possible for Users. We will share payment data with the Payment Processors only to the extent necessary for the purposes of processing your payments, refunding such payments, and dealing with complaints and queries related to such payments and refunds.

 Please note that the Payment Processors may collect some Personal Information from you, which allows them to process your payments (e.g., your email address, address, credit card details, and bank account number) and handle all the steps in the payment process through their systems, including data collection and data processing. The Payment Processors’ use of your Personal Information is governed by their respective privacy policies which may or may not contain privacy protections as protective as this Policy. We suggest that you review their respective privacy policies.

Managing information

You are able to delete certain Personal Information we have about you. The Personal Information you can delete may change as the Services change. When you delete Personal Information, however, we may maintain a copy of the unrevised Personal Information in our records for the duration necessary to comply with our obligations to our affiliates and partners, and for the purposes described below. If you would like to delete your Personal Information or permanently delete your account, you can do so on the settings page of your account on the Services or simply by contacting us.

Disclosure of information

 Depending on the requested Services or as necessary to complete any transaction or provide any Service you have requested, we may share your information with our trusted subsidiaries and joint venture partners, affiliates, contracted companies, and service providers (collectively, “Service Providers”) we rely upon to assist in the operation of the Services available to you and whose privacy policies are consistent with ours or who agree to abide by our policies with respect to Personal Information. We will not share any information with unaffiliated third parties.

Service Providers are not authorized to use or disclose your information except as necessary to perform services on our behalf or comply with legal requirements. Service Providers are given the information they need only in order to perform their designated functions, and we do not authorize them to use or disclose any of the provided information for their own marketing or other purposes. We will share and disclose your information only with the following categories of Service Providers:

– Advertising networks

– Affiliate programs

– Communication and collaboration services

– Data analytics services

– Order fulfilment services

– Payment processors

– Performance monitoring services

– Sales and marketing services

– Social networks

– User authentication services

We may also disclose any Personal Information we collect, use or receive if required or permitted by law, such as to comply with a subpoena or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

In the event we go through a business transition, such as a merger or acquisition by another company, or sale of all or a portion of its assets, your user account, and your Personal Information will likely be among the assets transferred.

Retention of information

We will retain and use your Personal Information for the period necessary to comply with our legal obligations, as long as your user account remains active, until the purchase order or Services are fulfilled, until our and our affiliates and partners obligations are fulfilled, to enforce our agreements, resolve disputes, and unless a longer retention period is required or permitted by law.

We may use any aggregated data derived from or incorporating your Personal Information after you update or delete it, but not in a manner that would identify you personally. Once the retention period expires, Personal Information shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification, and the right to data portability cannot be enforced after the expiration of the retention period.

Transfer of information

Depending on your location, data transfers may involve transferring and storing your information in a country other than your own. The transfer of your Personal Information to countries outside the European Union will be made only if you have explicitly consented to it or in the cases provided for by the GDPR and will be processed in your interest.

You are entitled to learn about the legal basis of information transfers to a country outside the European Union or to any international organization governed by public international law or set up by two or more countries, such as the UN, and about the security measures taken by us to safeguard your information. If any such transfer takes place, you can find out more by checking the relevant sections of this Policy or inquire with us using the information provided in the contact section.

Data protection rights under the GDPR

If you are a resident of the European Economic Area (“EEA”), you have certain data protection rights and we aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Information. If you wish to be informed what Personal Information we hold about you and if you want it to be removed from our systems, please contact us. In certain circumstances, you have the following data protection rights:

(i) You have the right to withdraw consent where you have previously given your consent to the processing of your Personal Information. To the extent that the legal basis for our processing of your Personal Information is consent, you have the right to withdraw that consent at any time. Withdrawal will not affect the lawfulness of processing before the withdrawal.

(ii) You have the right to learn if your Personal Information is being processed by us, obtain disclosure regarding certain aspects of the processing, and obtain a copy of your Personal Information undergoing processing.

(iii) You have the right to verify the accuracy of your information and ask for it to be updated or corrected. You also have the right to request us to complete the Personal Information you believe is incomplete.

(iv) You have the right to object to the processing of your information if the processing is carried out on a legal basis other than consent. Where Personal Information is processed for the public interest, in the exercise of an official authority vested in us, or for the purposes of the legitimate interests pursued by us, you may object to such processing by providing a ground related to your particular situation to justify the objection. You must know that, however, should your Personal Information be processed for direct marketing purposes, you can object to that processing at any time without providing any justification. To learn whether we are processing Personal Information for direct marketing purposes, you may refer to the relevant sections of this Policy.

(v) You have the right, under certain circumstances, to restrict the processing of your Personal Information. These circumstances include: the accuracy of your Personal Information is contested by you and we must verify its accuracy; the processing is unlawful, but you oppose the erasure of your Personal Information and request the restriction of its use instead; we no longer need your Personal Information for the purposes of processing, but you require it to establish, exercise or defend your legal claims; you have objected to processing pending the verification of whether our legitimate grounds override your legitimate grounds. Where processing has been restricted, such Personal Information will be marked accordingly and, with the exception of storage, will be processed only with your consent or for the establishment, to exercise or defense of legal claims, for the protection of the rights of another natural, or legal person or for reasons of important public interest.

(vi) You have the right, under certain circumstances, to obtain the erasure of your Personal Information from us. These circumstances include: the Personal Information is no longer necessary in relation to the purposes for which it was collected or otherwise processed; you withdraw consent to consent-based processing; you object to the processing under certain rules of applicable data protection law; the processing is for direct marketing purposes; and the personal data have been unlawfully processed. However, there are exclusions of the right to erasure such as where processing is necessary: for exercising the right of freedom of expression and information; for compliance with a legal obligation; or for the establishment, to exercise or defense of legal claims.

(vii) You have the right to receive your Personal Information that you have provided to us in a structured, commonly used, and machine-readable format and, if technically feasible, to have it transmitted to another controller without any hindrance from us, provided that such transmission does not adversely affect the rights and freedoms of others.

(viii) You have the right to complain to a data protection authority about our collection and use of your Personal Information. If you are not satisfied with the outcome of your complaint directly with us, you have the right to lodge a complaint with your local data protection authority. For more information, please contact your local data protection authority in the EEA. This provision is applicable provided that your Personal Information is processed by automated means and that the processing is based on your consent, on a contract which you are part of, or on pre-contractual obligations thereof.

California privacy rights

Consumers residing in California are afforded certain additional rights with respect to their Personal Information under the California Consumer Privacy Act (“CCPA”). If you are a California resident, this section applies to you.

In addition to the rights as explained in this Policy, California residents who provide Personal Information as defined in the statute to obtain Services for personal, family, or household use are entitled to request and obtain from us, once a calendar year, information about the categories and specific pieces of Personal Information we have collected and disclosed.

Furthermore, California residents have the right to request deletion of their Personal Information or opt-out of the sale of their Personal Information which may include selling, disclosing, or transferring Personal Information to another business or a third party for monetary or other valuable consideration. To do so, simply contact us. We will not discriminate against you if you exercise your rights under the CCPA.

How to exercise your rights

Any requests to exercise your rights can be directed to us through the contact details provided in this document. Please note that we may ask you to verify your identity before responding to such requests. Your request must provide sufficient information that allows us to verify that you are the person you are claiming to be or that you are the authorized representative of such person. If we receive your request from an authorized representative, we may request evidence that you have provided such an authorized representative with power of attorney or that the authorized representative otherwise has valid written authority to submit requests on your behalf.

You must include sufficient details to allow us to properly understand the request and respond to it. We cannot respond to your request or provide you with Personal Information unless we first verify your identity or authority to make such a request and confirm that the Personal Information relates to you.

Cookies

Our Services use “cookies” to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. If you choose to decline cookies, you will not be able to use and experience the features of the Services.

We may use cookies to collect, store, and track information for security and personalization, to operate the Services, and for statistical purposes. For further information on the cookies we collect and their purpose, see our cookie policy. Please note that you have the ability to accept or decline cookies. Most web browsers automatically accept cookies by default, but you can modify your browser settings to decline cookies if you prefer.

Data Analytics

Our Services may use third-party analytics tools that use cookies, web beacons, or other similar information-gathering technologies to collect standard internet activity and usage information. The information gathered is used to compile statistical reports on User activity such as how often Users visit our Services, what pages they visit and for how long, etc. We use the information obtained from these analytics tools to monitor the performance and improve our Services.

Do Not Track signals

Some browsers incorporate a Do Not Track feature that signals to websites you visit that you do not want to have your online activity tracked. Tracking is not the same as using or collecting information in connection with a website. For these purposes, tracking refers to collecting personally identifiable information from consumers who use or visit a website or online service as they move across different websites over time. How browsers communicate the Do Not Track signal is not yet uniform. As a result, the Services are not yet set up to interpret or respond to Do Not Track signals communicated by your browser. Even so, as described in more detail throughout this Policy, we limit our use and collection of your Personal Information. For a description of Do Not Track protocols for browsers and mobile devices or to learn more about the choices available to you, visit internetcookies.com

Advertisements

We may display online advertisements and we may share aggregated and non-identifying information about our customers that we or our advertisers collect through your use of the Services. We do not share personally identifiable information about individual customers with advertisers. In some instances, we may use this aggregated and non-identifying information to deliver tailored advertisements to the intended audience.

We may also permit certain third-party companies to help us tailor advertising that we think may be of interest to Users and to collect and use other data about User activities on the Services. These companies may deliver ads that might place cookies and otherwise track User behavior.

Email marketing

We offer electronic newsletters to which you may voluntarily subscribe at any time. We are committed to keeping your e-mail address confidential and will not disclose your email address to any third parties except as allowed in the information use and processing section or for the purposes of utilizing a third-party provider to send such emails. We will maintain the information sent via e-mail in accordance with applicable laws and regulations.

In compliance with the CAN-SPAM Act, all e-mails sent from us will clearly state who the e-mail is from and provide clear information on how to contact the sender. You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting us. However, you will continue to receive essential transactional emails.

Push notifications

We offer push notifications to which you may also voluntarily subscribe at any time. To make sure push notifications reach the correct devices, we use a third-party push notifications provider who relies on a device token unique to your device which is issued by the operating system of your device. While it is possible to access a list of device tokens, they will not reveal your identity, your unique device ID, or your contact information to us or our third-party push notifications provider. We will maintain the information sent via e-mail in accordance with applicable laws and regulations. If, at any time, you wish to stop receiving push notifications, simply adjust your device settings accordingly.

Affiliate links

We may engage in affiliate marketing and have affiliate links present on the Services for the purpose of being able to offer you related or additional products and services. If you click on an affiliate link, a cookie will be placed on your browser to track any sales for purposes of commissions.

Links to other resources

The Services contain links to other resources that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other resources or third parties. We encourage you to be aware when you leave the Services and to read the privacy statements of each and every resource that may collect Personal Information.

Information security

No data transmission over the Internet or wireless network can be guaranteed. Therefore, while we strive to protect your Personal Information, you acknowledge that (i) there are security and privacy limitations of the Internet which are beyond our control; (ii) the security, integrity, and privacy of any and all information and data exchanged between you and the Services cannot be guaranteed; and (iii) any such information and data may be viewed or tampered with in transit by a third party, despite best efforts.

As the security of Personal Information depends in part on the security of the device you use to communicate with us and the security you use to protect your credentials, please take appropriate measures to protect this information.

Data breach

In the event we become aware that the security of the Services has been compromised or Users’ Personal Information has been disclosed to unrelated third parties as a result of external activity, including, but not limited to, security attacks or fraud, we reserve the right to take reasonably appropriate measures, including, but not limited to, investigation and reporting, as well as notification to and cooperation with law enforcement authorities. In the event of a data breach, we will make reasonable efforts to notify affected individuals if we believe that there is a reasonable risk of harm to the User as a result of the breach or if notice is otherwise required by law. When we do, we will post a notice on the Services, send you an email.

Changes and amendments

We reserve the right to modify this Policy or its terms related to the Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.

An updated version of this Policy will be effective immediately upon the posting of the revised Policy unless otherwise specified. Your continued use of the Services after the effective date of the revised Policy (or such other act specified at that time) will constitute your consent to those changes. However, we will not, without your consent, use your Personal Information in a manner materially different than what was stated at the time your Personal Information was collected.

Acceptance of this policy

You acknowledge that you have read this Policy and agree to all its terms and conditions. By accessing and using the Services and submitting your information you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to access or use the Services.

Contacting us

If you have any questions regarding the information we may hold about you or if you wish to exercise your rights, you may use the following data subject request form to submit your request:

 

Submit a data access request

If you have any questions, concerns, or complaints regarding this Privacy Policy, we encourage you to contact us using the details below:

contactus@problem.ae

We will attempt to resolve complaints and disputes and make every reasonable effort to honor your wish to exercise your rights as quickly as possible and in any event, within the timescales provided by applicable data protection laws.

This document was last updated on August 18, 2023

Cookie policy

This cookie policy (“Policy”) describes what cookies are and how and they’re being used by the PROBLEM.AE website (“Website” or “Service”) and any of its related products and services (collectively, “Services”). This Policy is a legally binding agreement between you (“User”, “you” or “your”) and THE PROBLEM-SOLVING HUB LLC  (“THE PROBLEM-SOLVING HUB LLC ”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Website and Services. You should read this Policy so you can understand the types of cookies we use, the information we collect using cookies and how that information is used. It also describes the choices available to you regarding accepting or declining the use of cookies. For further information on how we use, store and keep your personal data secure, see our privacy policy.

What are cookies?

Cookies are small pieces of data stored in text files that are saved on your computer or other devices when websites are loaded in a browser. They are widely used to remember you and your preferences, either for a single visit (through a “session cookie”) or for multiple repeat visits (using a “persistent cookie”).

Session cookies are temporary cookies that are used during the course of your visit to the Website, and they expire when you close the web browser.

Persistent cookies are used to remember your preferences within our Website and remain on your desktop or mobile device even after you close your browser or restart your computer. They ensure a consistent and efficient experience for you while visiting the Website and Services.

Cookies may be set by the Website (“first-party cookies”), or by third parties, such as those who serve content or provide advertising or analytics services on the Website (“third party cookies”). These third parties can recognize you when you visit our website and also when you visit certain other websites.

What type of cookies do we use?

– Necessary cookies

Necessary cookies allow us to offer you the best possible experience when accessing and navigating through our Website and using its features. For example, these cookies let us recognize that you have created an account and have logged into that account to access the content.

– Functionality cookies

Functionality cookies let us operate the Website and Services in accordance with the choices you make. For example, we will recognize your username and remember how you customized the Website and Services during future visits.

– Analytical cookies

These cookies enable us and third party services to collect aggregated data for statistical purposes on how our visitors use the Website. These cookies do not contain personal information such as names and email addresses and are used to help us improve your user experience of the Website.

– Advertising cookies

Advertising cookies allow us and third parties serve relevant ads to you more effectively and help us collect aggregated audit data, research, and performance reporting for advertisers. They also enable us to understand and improve the delivery of ads to you and know when certain ads have been shown to you.

Your web browser may request advertisements directly from ad network servers, these networks can view, edit, or set their own cookies, just as if you had requested a web page from their website.

Although we do not use cookies to create a profile of your browsing behavior on third party websites, we do use aggregate data from third parties to show you relevant, interest-based advertising.

– Social media cookies

Third party cookies from social media sites (such as Facebook, Twitter, etc) let us track social network users when they visit or use the Website and Services, or share content, by using a tagging mechanism provided by those social networks.

These cookies are also used for event tracking and remarketing purposes. Any data collected with these tags will be used in accordance with our and social networks’ privacy policies. We will not collect or share any personally identifiable information from the user.

Do we use web beacons or tracking pixels?

Our emails may contain a “web beacon” (or “tracking pixel”) to tell us whether our emails are opened and verify any clicks through to links or advertisements within the email.

We may use this information for purposes including determining which of our emails are more interesting to users and to query whether users who do not open our emails wish to continue receiving them.

The pixel will be deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, you should read the email in plain text view or with images disabled.

 

What are your cookie options?

If you don’t like the idea of cookies or certain types of cookies, you can change your browser’s settings to delete cookies that have already been set and to not accept new cookies. Visit internetcookies.com to learn more about how to do this.

Please note, however, that if you delete cookies or do not accept them, you might not be able to use all of the features the Website and Services offer.

Changes and amendments

We reserve the right to modify this Policy or its terms related to the Website and Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.

An updated version of this Policy will be effective immediately upon the posting of the revised Policy unless otherwise specified. Your continued use of the Website and Services after the effective date of the revised Policy (or such other act specified at that time) will constitute your consent to those changes.

Acceptance of this policy

You acknowledge that you have read this Policy and agree to all its terms and conditions. By accessing and using the Website and Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to access or use the Website and Services.

Contacting us

If you have any questions, concerns, or complaints regarding this Policy or the use of cookies, we encourage you to contact us using the details below:

contactus@problem.ae

This document was last updated on August 18, 2023

Refund policy

Our policy is valid for a period of 3 calendar days from the date of the consultation. If you are not satisfied with the service, you can ask for a refund. If the period of 3 days has lapsed since the consultation, we can’t, unfortunately, offer you a refund.

Refund requirements

The following criteria must be met to qualify for a refund:

  • User account must be in good standing or
  • Advisor did not show up at the agreed schedule without a prior notice or
  • An internet connection outage at the Advisors end and no slot for rescheduling is available

THE PROBLEM-SOLVING HUB LLC also have the rights to decide on the refund after analysing the recorded session on the platform to validate if the session was unsatisfactory or not.

If the conditions listed above are not met, we reserve the right not to issue a refund.

Contacting us

If you have any questions, concerns, or complaints regarding this refund policy, we encourage you to contact us using the details below:

contactus@problem.ae

This document was last updated on August 18, 2023

Disclaimer

This disclaimer (“Disclaimer”) sets forth the general guidelines, disclosures, and terms of your use of the PROBLEM.AE website (“Website”), “PROBLEM.AE” mobile application (“Mobile Application”) and any of their related products and services (collectively, “Services”). This Disclaimer is a legally binding agreement between you (“User”, “you” or “your”) and THE PROBLEM-SOLVING HUB LLC  (“THE PROBLEM-SOLVING HUB LLC ”, “Operator”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Services. By accessing and using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Disclaimer. You acknowledge that this Disclaimer is a contract between you and the Operator, even though it is electronic and is not physically signed by you, and it governs your use of the Services.

Representation

Any views or opinions represented on the Services belong solely to the content creators and do not represent those of people, institutions or organizations that the Operator or creators may or may not be associated with in professional or personal capacity, unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual.

Content and postings

You may not modify, print or copy any part of the Services. Inclusion of any part of the Services in another work, whether in printed or electronic or another form or inclusion of any part of the Services on another resource by embedding, framing or otherwise without the express permission of the Operator is prohibited.

Compensation and sponsorship

The Services may contain forms of advertising, sponsorship, paid insertions or other forms of compensation. On certain occasions the Operator may be compensated to provide opinions on products, services, or various other topics. Even though the Operator receives compensation for advertisements, the opinions, findings, beliefs, or experiences on those topics or products are honest and not influenced by the advertiser or sponsor. The views and opinions expressed on the Services are purely of the Operator. Any product claims, statistics, quotes or other representations about products or services should be verified with the manufacturer, provider or the party in question. Note that sponsored content and advertising space may not always be identified as paid or sponsored. Some of the links on the Services may be affiliate links. This means if you click on the link and purchase an item, the Operator will receive an affiliate commission.

Reviews and testimonials

Testimonials are received in various forms through a variety of submission methods. The testimonials are not necessarily representative of all of those who will use Services, and the Operator is not responsible for the opinions or comments available on the Services, and does not necessarily share them. All opinions expressed are strictly the views of the reviewers.

Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. Testimonials may be reviewed for authenticity before they are available for public viewing.

Indemnification and warranties

The accuracy, reliability and completeness of the information and content, distributed through, linked, downloaded or accessed from the Services are guaranteed by . However, all information on the Services is provided “as is”, with no guarantee of the results obtained from the use of this information, and without warranty of any kind, express or implied. In no event will the Operator, or its partners, employees or agents, be liable to you or anyone else for any decision made or action taken in reliance on the information on the Services, or for any consequential, special or similar damages, even if advised of the possibility of such damages. Information on the Services is for general information purposes only and is not intended to provide any type of professional advice. Please seek professional assistance should you require it. Information contained on the Services are subject to change at any time and without warning.

Changes and amendments

We reserve the right to modify this Disclaimer or its terms related to the Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.

An updated version of this Disclaimer will be effective immediately upon the posting of the revised Disclaimer unless otherwise specified. Your continued use of the Services after the effective date of the revised Disclaimer (or such other act specified at that time) will constitute your consent to those changes.

Acceptance of this disclaimer

You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing and using the Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to access or use the Services.

Contacting us

If you have any questions, concerns, or complaints regarding this Disclaimer, we encourage you to contact us using the details below:

contactus@problem.ae

This document was last updated on August 18, 2023

Acceptable use policy

This acceptable use policy (“Policy”) sets forth the general guidelines and acceptable and prohibited uses of the PROBLEM.AE.com website (“Website”), “PROBLEM.AE” mobile application (“Mobile Application”) and any of their related products and services (collectively, “Services”). This Policy is a legally binding agreement between you (“User”, “you” or “your”) and THE PROBLEM-SOLVING HUB LLC (“THE PROBLEM-SOLVING HUB LLC”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Services. By accessing and using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. You acknowledge that this Agreement is a contract between you and THE PROBLEM-SOLVING HUB LLC, even though it is electronic and is not physically signed by you, and it governs your use of the Services.

Prohibited activities and uses

You may not use the Services to engage in activity that is illegal under applicable law, that is harmful to others, or that would subject us to liability, including, without limitation, in connection with any of the following, each of which is prohibited under this Policy:

  • Disclosing sensitive personal information about others.
  • Collecting, or attempting to collect, personal information about third parties without their knowledge or consent.
  • Threatening harm to persons or property or otherwise harassing behavior.
  • Purchasing any of the offered Services on someone else’s behalf.
  • Misrepresenting or fraudulently representing products or services.
  • Infringing the intellectual property or other proprietary rights of others.
  • Facilitating, aiding, or encouraging any of the above activities through the Services.

System abuse

Any User in violation of the Services security is subject to criminal and civil liability, as well as immediate account termination. Examples include, but are not limited to the following:

  • Use or distribution of tools designed for compromising security of the Services.
  • Intentionally or negligently transmitting files containing a computer virus or corrupted data.
  • Accessing another network without permission, including to probe or scan for vulnerabilities or breach security or authentication measures.
  • Unauthorized scanning or monitoring of data on any network or system without proper authorization of the owner of the system or network.

Service resources

You may not consume excessive amounts of the resources of the Services or use the Services in any way which results in performance issues or which interrupts the Services for other Users. Prohibited activities that contribute to excessive use, include without limitation:

  • Deliberate attempts to overload the Services and broadcast attacks (i.e. denial of service attacks).
  • Engaging in any other activities that degrade the usability and performance of the Services.

Security

You take full responsibility for maintaining reasonable security precautions for your account. You are responsible for protecting and updating any login account provided to you for the Services. You must protect the confidentiality of your login details, and you should change your password periodically.

Enforcement

We reserve our right to be the sole arbiter in determining the seriousness of each infringement and to immediately take corrective actions, including but not limited to:

  • Suspending or terminating your Service with or without notice upon any violation of this Policy. Any violations may also result in the immediate suspension or termination of your account.
  • Disabling or removing any content which is prohibited by this Policy, including to prevent harm to others or to us or the Services, as determined by us in our sole discretion.
  • Reporting violations to law enforcement as determined by us in our sole discretion.
  • A failure to respond to an email from our abuse team within 2 days, or as otherwise specified in the communication to you, may result in the suspension or termination of your account.

Suspended and terminated User accounts due to violations will not be re-activated.

Nothing contained in this Policy shall be construed to limit our actions or remedies in any way with respect to any of the prohibited activities. We reserve the right to take any and all additional actions we may deem appropriate with respect to such activities, including without limitation taking action to recover the costs and expenses of identifying offenders and removing them from the Services, and levying cancellation charges to cover our costs. In addition, we reserve at all times all rights and remedies available to us with respect to such activities at law or in equity.

Reporting violations

If you have discovered and would like to report a violation of this Policy, please contact us immediately. We will investigate the situation and provide you with full assistance.

Changes and amendments

We reserve the right to modify this Policy or its terms related to the Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.

An updated version of this Policy will be effective immediately upon the posting of the revised Policy unless otherwise specified. Your continued use of the Services after the effective date of the revised Policy (or such other act specified at that time) will constitute your consent to those changes.

Acceptance of this policy

You acknowledge that you have read this Policy and agree to all its terms and conditions. By accessing and using the Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to access or use the Services.

Contacting us

If you have any questions, concerns, or complaints regarding this Policy, we encourage you to contact us using the details below:

contactus@problem.ae

This document was last updated on August 18, 2023