Terms of Use

1. About X-TENDS

X-TENDS is a technology company providing software, artificial intelligence solutions, consulting services and digital platforms, including solutions designed for financial institutions and other businesses.

Information presented on the Website may include information about X-TENDS products, services, technologies, partnerships, demonstrations, prototypes and future capabilities.

Certain X-TENDS products, including AI-powered solutions such as NOOR, may be deployed, configured or operated by banks, financial institutions or other X-TENDS customers.

X-TENDS is a technology provider and, unless expressly stated otherwise, does not itself operate as a bank, financial institution, investment adviser, broker, payment institution or credit provider.

2. Purpose of the Website

The Website is primarily intended to provide information about X-TENDS, its technology, products and services.

Nothing published on the Website constitutes a binding commercial offer unless X-TENDS expressly states otherwise in writing.

Descriptions of products, features, integrations, capabilities, roadmaps, demonstrations or expected results are provided for informational purposes and may change as products develop.

Actual functionality may depend on the specific implementation, configuration, infrastructure, integrations, jurisdiction and contractual arrangement agreed with each customer.

3. Artificial Intelligence

Certain parts of the Website or demonstrations available through the Website may use artificial intelligence.

When you interact with an AI-powered feature, responses may be generated automatically using artificial intelligence technologies.

AI-generated responses may occasionally be incomplete, inaccurate, outdated or inappropriate for a particular situation. You should not rely solely on an AI-generated response when making an important financial, legal, regulatory, investment, security or business decision.

Where appropriate, information generated by an AI system should be verified through the relevant bank, financial institution, X-TENDS representative or other qualified professional.

Where required by applicable law, users will be informed when they are interacting directly with an artificial intelligence system.

4. No Financial or Investment Advice

Information available through the Website, including information generated through demonstrations of X-TENDS products, is provided for general information and product demonstration purposes.

It should not be considered:

• financial advice;
• investment advice;
• credit advice or approval;
• legal or tax advice;
• an offer to purchase or sell a financial product;
• a guarantee of eligibility for any banking product; or
• a guarantee of any financial outcome.

Any banking product, transaction, loan, investment, payment, transfer or other financial service remains subject to the policies, terms, approvals and regulatory obligations of the relevant financial institution.

Users should obtain appropriate professional advice where necessary before making significant financial or legal decisions.

5. Relationship With Banks and Financial Institutions

X-TENDS may provide its technology to banks and other financial institutions.

Where an X-TENDS product is made available to you through a bank or financial institution, your banking relationship remains with that institution.

The bank or financial institution may determine, among other things:

• which X-TENDS features are available;
• what information the system can access;
• what transactions can be performed;
• transaction limits and approval requirements;
• identity verification requirements;
• applicable fees;
• product eligibility;
• escalation procedures; and
• compliance and regulatory controls.

Your use of such banking services may therefore also be subject to the terms, privacy notices and policies of the relevant financial institution.

These Website Terms do not replace your agreement with your bank or financial institution.

6. No Guarantee of Product Availability

Products, features and demonstrations shown on the Website may not be available in every country, institution or implementation.

Certain features may be:

• under development;
• available only during a pilot or proof of concept;
• dependent on third-party systems;
• dependent on a financial institution's infrastructure;
• subject to regulatory approval; or
• unavailable in particular jurisdictions.

X-TENDS may modify, add, suspend or discontinue Website content or product features without prior notice where reasonably necessary.

7. Permitted Use

You may use the Website for legitimate personal or professional purposes, including learning about X-TENDS and evaluating our products and services.

You must use the Website in accordance with applicable laws and these Terms.

You may not use the Website to:

• attempt to gain unauthorized access to any system, account, server, API or database;
• bypass authentication, security measures or access restrictions;
• probe, scan or test vulnerabilities without written authorization;
• introduce malware, malicious code or harmful software;
• conduct denial-of-service attacks or otherwise interfere with the Website;
• scrape, harvest or systematically extract Website content without permission;
• impersonate another individual or organization;
• submit false, misleading or fraudulent information;
• misuse demonstrations or AI systems to facilitate illegal activity;
• reverse engineer X-TENDS software except where such restriction is prohibited by applicable law;
• attempt to obtain confidential system prompts, security configurations, proprietary models or protected system information; or
• use X-TENDS intellectual property in a manner that infringes our rights or the rights of another party.

X-TENDS may restrict or terminate access where misuse, security threats or violations of these Terms are detected.

8. Intellectual Property

Unless otherwise stated, the Website and its contents are owned by or licensed to X-TENDS.

This includes, where applicable:

• X-TENDS and product names;
• logos and trademarks;
• website designs;
• text and documentation;
• software;
• interfaces;
• demonstrations;
• graphics and visualizations;
• artificial intelligence workflows;
• methodologies;
• product concepts; and
• proprietary technology.

You may view and use Website content for legitimate informational and business evaluation purposes.

You may not reproduce, distribute, modify, commercialize, sell, sublicense or create derivative works from X-TENDS content without prior written permission, except where permitted by applicable law.

Nothing in these Terms transfers ownership of X-TENDS intellectual property to you.

9. Information You Provide to Us

You may provide information to X-TENDS through contact forms, demo requests, partnership inquiries, employment applications or other Website features.

You agree that information you intentionally provide will be accurate to the best of your knowledge.

You should not submit confidential banking information, passwords, OTP codes, full payment card credentials, authentication secrets or other highly sensitive financial information through general Website forms.

Information submitted through the Website will be handled in accordance with our Privacy Policy and applicable data protection requirements.

10. Privacy and Personal Data

X-TENDS respects the privacy of Website users.

Our collection and processing of personal information is governed by our Privacy Policy, which should be read together with these Terms.

Depending on your location and the nature of the interaction, different privacy and data protection laws may apply, including applicable Lebanese legislation and, where relevant, European data protection requirements.

Where cookies or similar technologies are used, their use will also be described in the applicable Cookie Policy or Cookie Notice.

11. Security

X-TENDS takes reasonable technical and organizational measures intended to protect its Website and systems.

However, no internet-based service can be guaranteed to be completely secure or continuously available.

You are responsible for taking reasonable precautions when accessing online services, including protecting your devices, credentials and network connections.

If you become aware of a suspected security vulnerability involving X-TENDS, please report it responsibly to:

security@x-tends.com

Do not publicly disclose a vulnerability before giving X-TENDS a reasonable opportunity to investigate and address it.

12. Third-Party Services and Links

The Website may contain links to or integrations with third-party websites, technologies or services.

Such third-party services are controlled by their respective providers and may be subject to separate terms and privacy policies.

The inclusion of a link, integration, reference or logo does not necessarily mean that X-TENDS endorses or controls the third party.

X-TENDS is not responsible for third-party websites or services except to the extent required by applicable law or expressly agreed in writing.

13. Demonstrations and Sample Data

Product demonstrations, screenshots, examples, simulations, personas, financial scenarios or sample responses shown on the Website may use fictional, anonymized or demonstration data.

They are intended to illustrate potential capabilities of X-TENDS technology and should not be interpreted as actual customer information, actual banking offers or guaranteed results.

Results in a production environment may differ depending on the financial institution's data, systems, policies and configuration.

14. Accuracy of Information

X-TENDS aims to keep Website information accurate and useful.

However, technology, regulations, product capabilities and commercial offerings change over time.

We therefore do not guarantee that every item of Website content will always be complete, current or free from error.

Where information is important to a commercial, technical, regulatory or financial decision, you should confirm it directly with X-TENDS before relying upon it.

15. Website Availability

We may temporarily restrict access to the Website for maintenance, security, upgrades or technical reasons.

X-TENDS does not guarantee uninterrupted or error-free availability of the Website.

To the extent permitted by applicable law, X-TENDS will not be responsible for losses resulting solely from temporary Website downtime, maintenance or technical interruptions outside our reasonable control.

16. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Website and its content are provided on an “as available” and “as is” basis.

X-TENDS does not make warranties regarding the Website beyond warranties that cannot legally be excluded.

In particular, X-TENDS does not guarantee that:

• all Website information will always be accurate or current;
• access will always be uninterrupted;
• the Website will always be free from technical errors;
• AI-generated information will always be correct; or
• a product demonstrated on the Website will produce the same result in every implementation.

Nothing in these Terms excludes any warranty or right that cannot legally be excluded under applicable law.

17. Limitation of Liability

To the maximum extent permitted by applicable law, X-TENDS will not be liable for indirect, incidental, consequential, special or purely economic losses arising solely from your use of, or inability to use, the Website.

This includes losses resulting from reliance on general informational or AI-generated Website content where such information should reasonably have been independently verified.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including liability resulting from fraud, intentional misconduct or other liability that cannot legally be excluded.

Contractual customers of X-TENDS are subject to the liability provisions contained in their applicable commercial agreement with X-TENDS.

18. Compliance With Applicable Laws

You are responsible for using the Website in accordance with the laws applicable to you.

X-TENDS products and services may also be subject to banking, financial services, artificial intelligence, cybersecurity, data protection, trade control, sanctions and other regulatory requirements depending on the jurisdiction in which they are provided or used.

Availability of a product on the Website does not mean that the product is authorized or available in every jurisdiction.

19. Lebanon, Middle East and International Users

X-TENDS is established in Lebanon and provides technology intended for use across multiple jurisdictions.

These Terms are designed primarily for the X-TENDS Website operated from Lebanon while allowing access by users in the Middle East, Europe and other markets.

Users outside Lebanon remain entitled to any mandatory rights granted by the laws applicable to them.

In particular, nothing in these Terms is intended to remove mandatory protections available to users under applicable European Union, European Economic Area, United Kingdom, Swiss or other national laws where those protections legally apply.

20. Governing Law and Jurisdiction

Except where mandatory law provides otherwise, these Terms and any dispute relating to the Website will be governed by the laws of the Republic of Lebanon.

Subject to any mandatory rights available to users under their local law, the competent courts of Beirut, Lebanon shall have jurisdiction over disputes arising from these Terms or use of the Website.

For users who qualify as consumers in a jurisdiction where local law provides mandatory jurisdiction or consumer protections, those mandatory rights remain unaffected.

21. Changes to These Terms

X-TENDS may update these Terms from time to time to reflect:

• changes to the Website;
• new products or services;
• regulatory developments;
• security requirements; or
• changes to our business operations.

The latest version will be published on this page together with the date of the most recent update.

Continued use of the Website after an updated version becomes effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

22. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply.

Any invalid provision will be interpreted or modified only to the minimum extent necessary to make it enforceable where permitted by law.

23. Contact Us

Questions regarding these Terms may be directed to:

X-TENDS S.A.L.

[Registered Address]

Lebanon

Email: legal@x-tends.com

General inquiries: info@x-tends.com