Terms and Conditions

INSTACORP — PORTAL TERMS & CONDITIONS

By creating an account, signing in, or clicking "I Agree," the Customer accepts these Terms and Conditions.

1. Introduction

These Terms and Conditions ("Agreement") govern access to and use of Instacorp's online portal and services.

1.1 Definitions.

1.1.1 "Authority" means any UAE federal, emirate, municipal, free-zone or foreign public authority (including regulators, ministries, departments, directorates, courts, police, licensing/registrar bodies, chambers and customs), and any external-approval body or state-linked provider now or in future (including successors/renamed/merged/delegated bodies). Examples include, without limitation, Dubai Municipality, RERA, Civil Defense, Civil Aviation, Dubai Maritime City, TDRA, KHDA, MOHRE, DHA, SIRA, RTA and free-zone authorities.

1.1.2 "Government Fees" means any fee, charge, fine, penalty, inspection, attestation or legalisation fee payable to an Authority, including fees for external approvals/clearances.

1.1.3 "Third-Party Fees" means amounts charged by non-government providers engaged to support the Services (including banks, insurers, medical centres, couriers, translators, attesters and notaries).

1.1.4 "Professional Fees" means Instacorp's own fees for the Services.

1.1.5 "Application" includes any submission to an Authority for licensing/incorporation, licence amendments, visas, VAT/Corporate Tax registration (FTA), goAML registration (FIU), attestations, liquidation, P.O. Box, company stamp and bank onboarding.

1.1.6 "Portal" means Instacorp's online platform, websites, apps and related channels used to deliver the Services.

2. Provision of Services and Service Fees

2.1 The Customer requests Instacorp to provide corporate support services as selected on the Portal, including company incorporation/licensing in relevant free-zone or mainland jurisdictions.

2.2 Instacorp will provide the services listed on the Portal ("Services") with reasonable care and skill.

2.3 Bank Account Opening Assistance. Instacorp provides introductions and guidance; the decision to open/maintain an account rests solely with the bank. Fees for this assistance are non-refundable once the agreed stage is completed.

2.4 Authority discretion; no guarantees. Approvals, interviews, inspections, medicals, security clearances, quotas, name reservations and policy changes are Authority decisions outside any service provider's control. Instacorp does not guarantee approvals, processing speed, licence activities, visa quotas or bank account opening.

2.5 Re-submission. Where viable, Instacorp will support one standard re-submission on the same scope; any additional Government/Third-Party Fees are payable by the Customer. Material scope changes require a new quotation.

2.6 Service overview. Services may include: (a) company incorporation/licensing; (b) visa services (tourist, golden, dependent—spouse/family/parents, employee, investor); (c) company stamp; (d) corporate tax registration; (e) VAT registration and, where separately agreed, VAT/Corporate Tax filings; (f) accounting services (where separately agreed); (g) MOFA attestation, legal translation; (h) bank account opening assistance; (i) goAML registration; (j) P.O. Box registration; (k) medical insurance assistance; and (l) other related services introduced from time to time.

2.7 Change in law / Authority policy. If an Authority changes any law, policy, form, process, document requirement or fee, or if an Authority portal experiences outages or backlogs, the scope, timelines and pricing may be adjusted. Instacorp will notify the Customer of the impact and any required top-ups or additional steps. Instacorp is not responsible for delays or outcomes caused by such changes.

3. Customer Registration and Account Setup

3.1 Register for an account and provide required KYC/documents.

3.2 You confirm you are at least 18 and legally capable.

3.3 Customer may be an individual or a corporate entity.

3.4 Keep credentials confidential; you are responsible for activity on your account.

4. Payment Terms

4.1 Upon selection of Services, Instacorp issues a confirmation (invoice/quotation/email/portal confirmation). Payment is via the checkout process.

4.2 No work commences until the required payment is received, unless otherwise agreed in writing.

4.3 Third-Party costs (bundled option). In addition to Professional Fees, Instacorp may procure third-party services required for delivery. Such amounts may be invoiced to the Customer on a bundled basis as part of the price of the Services to reflect procurement, coordination and processing. If a third-party provider invoices the Customer directly, Instacorp will not add a service charge to those amounts.

4.4 Disbursements (at-cost option). Where Instacorp pays a Third-Party Fee as agent on behalf of the Customer and no service charge is applied, that amount will be recharged at cost as a disbursement; Instacorp may charge a separate procurement/administration fee.

4.5 VAT (UAE). Value Added Tax at the prevailing UAE rate (currently 5%) applies to Instacorp's Professional Fees (and any other taxable supplies) and is payable in addition to the amounts stated. Government Fees are generally not subject to VAT; Third-Party Fees are charged as billed by the provider (inclusive/exclusive of VAT, as applicable).

4.6 Invoices are payable within seven (7) days. Late amounts may accrue interest at 1.5% per month or the maximum lawful rate (whichever is lower). Instacorp may suspend Services after written notice to cure.

4.7 No chargebacks. Parties will first attempt good-faith resolution of any invoice dispute; Customer agrees not to initiate a card chargeback while that process is ongoing.

4.8 Estimates and indicative Government Fees. Any Government Fee or Third-Party Fee shown in quotations or on the Portal is indicative only and may change at any time at the decision of the relevant Authority/provider.

4.9 Authority fee increases / top-ups. If a Government Fee increases (or a new external-approval fee is introduced) before submission or between stages, the Customer shall pay the difference before Instacorp proceeds. If a fee increases after a submission, the Customer shall pay the difference needed to complete the process.

4.10 Price validity. Professional Fee quotations are valid for 30 days from the date issued unless stated otherwise. After that period, Instacorp may re-quote.

4.11 Dormant files, reactivation and re-KYC. If the Customer does not provide required information, funds or documents for 60 days, Instacorp may pause the file. Reactivation may require updated KYC and a reactivation/admin fee, and prior timelines/fees may no longer apply. If any document or clearance expires due to delay outside Instacorp's control, renewal/re-issuance costs are payable by the Customer.

4.12 Fee decreases / credits. If an Authority reduces a Government Fee after the Customer has paid but before the relevant submission, Instacorp will pass on the reduction or issue a credit. If a reduction occurs after submission, Instacorp will pass through any refund actually received from the Authority (net of bank/courier/processing charges).

4.13 Foreign exchange & bank charges. For cross-border payments, bank/FX charges are for the Customer. Instacorp must receive cleared funds in the invoiced currency and amount.

5. Duration of Agreement

Valid until the selected Services are completed unless terminated under Clause 15.

6. Right to Refuse Services

Instacorp may decline, suspend or cease Services where required by law or policy, where AML/CTF/sanctions or fraud risk is identified, for non-payment, abusive conduct, or material non-cooperation (acting reasonably).

7. Legal Advice Disclaimer

Instacorp does not provide legal/tax advice; the Customer remains responsible for obtaining professional advice and complying with applicable laws.

8. Anti-Money Laundering Compliance and Due Diligence

Provide complete and accurate information and promptly update changes to beneficial ownership/shareholding/officers. Instacorp may conduct KYC/sanctions/adverse-media checks; may suspend/terminate for risk or non-cooperation and make required reports in good faith.

9. Politically Exposed Person (PEP) Declaration

Customer confirms non-PEP status or discloses if applicable.

10. Customer Obligations

The Customer shall: (a) provide valid KYC documents as instructed; (b) provide any CV/business plan or supporting background where required by an Authority; (c) provide any additional documents requested by Authorities from time to time; and (d) pay as specified in Clause 4.

(e) Provide complete and timely information and attend all required Authority appointments, biometrics, medicals and inspections.

(f) Acknowledge that public information (including website guidance) may become out-of-date due to Authority changes; rely on Instacorp's latest written update at the time of submission.

(g) Bear any re-submission or additional document costs requested by Authorities that were not required at the time of initial quotation.

11. Independent Contractor

Instacorp acts as an independent contractor. Nothing creates a partnership, joint venture or employment relationship.

12. Assignment and Subcontracting of Services

12.1 Instacorp may allocate or delegate aspects of the Services to affiliates or suitably qualified third-party providers (including companies providing similar services). Instacorp remains responsible for coordination and overall delivery within its control, but is not responsible for the professional obligations or negligence of independent licensed professionals carrying out regulated activities in their own capacity, nor for the acts/omissions of Authorities, banks, attesters/notaries, couriers, medical centres or translators acting on their own account.

12.2 Customer may transfer rights/obligations only with Instacorp's prior written consent.

13. Acceptable Use

No misuse of the Portal; no unlawful/fraudulent use; no interference/unauthorised access.

14. Confidentiality

Each party keeps the other's confidential information confidential and uses it only for this Agreement, except as required by law or Authority request.

15. Termination of Agreement

15.1 Convenience. Either party may terminate on 7 days' written notice. Instacorp may suspend Services during this period.

15.2 For cause. Either party may terminate immediately for: material breach not cured within 7 days; failure to cooperate/provide required info causing material delay; abusive/discriminatory/harassing conduct; AML/CTF, sanctions or legal risk/unlawful instruction; or failure to pay undisputed sums within 7 days after notice.

15.3 Consequences. Completed stages are payable and non-refundable; Instacorp will pass through any refunds actually received from Authorities/providers (net of bank/courier/processing charges).

16. Communication

Primary channels: email, WhatsApp, calls; Customer must keep contact details current.

17. Governing Law

UAE law as applied in the Emirate of Dubai.

18. Resolution of Disputes

Amicable discussion first; failing that, Dubai Courts have exclusive jurisdiction.

19. Force Majeure

No liability for delay/failure due to events beyond reasonable control, including Authority portal outages, appointment unavailability, inspection-calendar constraints, changes in service levels, epidemics, acts of government, telecom failures.

20. Intellectual Property Rights

Instacorp retains all IP rights; no use without consent.

21. User Data (PDPL-aligned)

21.1 Lawful processing & scope.

21.2 Authorised disclosures to Authorities, banks and necessary service providers (need-to-know basis).

21.3 Independent controllers disclaimer for Authorities/banks/third parties.

21.4 Marketing with opt-out; transactional emails continue.

21.5 Cookies & analytics.

21.6 Cross-border transfers with safeguards.

21.7 Security & retention.

22. Electronic Communication, Transactions, and Signatures

Electronic communications and e-signatures are valid and enforceable.

23. Corrections

Right to correct typographical errors, inaccuracies or omissions (including pricing/availability).

24. Modifications and Interruptions

Right to modify, suspend or discontinue the Portal/Services; no guarantee of uninterrupted availability.

25. Contribution License

Licence to use feedback/content submitted; Customer warrants rights to submit.

26. Fees and Refunds

26.1 Suspension for overdue invoices.

26.2 Settlement without set-off/deduction; cleared funds required.

26.3 Professional Fees are earned by stage and non-refundable once the relevant stage is completed, even if an Authority later rejects or delays an Application for reasons beyond Instacorp's control.

26.4 Government & Third-Party Fees generally non-refundable; Third-Party Fees may be bundled as part of the Service price. Any Authority/provider refund actually received will be passed through net of charges.

26.5 Refunds follow the original payment method and the timelines of the Authority/bank/provider.

26.6 Supplementary services: refunds only if expressly permitted by the relevant Authority/provider policy.

26.7 Impossibility due to legal change. If a change in law or Authority policy makes the service unlawful or impossible to complete, Instacorp will cease work and invoice only for completed stages (Professional Fees earned) and non-recoverable Government/Third-Party Fees. Any amounts actually refunded by Authorities/providers will be passed through (net of charges).

26.8 Timelines. Any timelines shown on the Portal or in quotations are estimates and will be revised where Authorities require additional steps, documents or checks.

INSTACORP — WEBSITE TERMS OF USE

Last updated: 14 October 2025

1. Scope. These Website Terms of Use ("Website Terms") govern access to and use of Instacorp's public websites and pages (the "Website") that provide general information about UAE business setup, visas, taxes and related topics. Portal services for registered Customers are governed by Instacorp's Portal Terms & Conditions.

2. Informational only (no legal/tax advice). Website articles, guides, FAQs, checklists, calculators and other content are for general information only and do not constitute legal, tax, accounting or other professional advice. Users should obtain appropriate professional advice before acting and verify current requirements with the relevant Authority.

3. Accuracy and updates. While reasonable efforts are made to keep Website content current and accurate, laws and Authority policies change, and information may be incomplete or out of date. Instacorp does not undertake any obligation to update Website content. Use of Website content is at the user's own risk.

4. "As-is" / no warranties. To the maximum extent permitted by law, the Website and its content are provided "as is" without warranties of any kind, express or implied, including as to accuracy, completeness, fitness for a particular purpose, merchantability or non-infringement.

5. Limited licence for personal/internal use. Instacorp grants a limited, revocable, non-transferable licence to view, download and print Website content for personal or internal business use only. Users may not copy, republish, redistribute, sell, license, frame, mirror, adapt, translate, or create derivative works from Website content for commercial purposes without Instacorp's prior written consent.

6. Prohibited uses (scraping & bots). Users may not scrape, harvest, crawl, mine, bulk-download, or use automated tools/bots to access or copy Website content; may not remove or alter copyright notices; and may not use the content to build or train competing services.

7. Trademarks & ownership. All Website content and trademarks are owned by or licensed to Instacorp. No rights are granted except the limited licence in Clause 5. Any permitted excerpt must include clear attribution and a link back to the original page.

8. Third-party links & references. Links or references to third-party sites (including Authority portals) are provided for convenience only. Instacorp does not control or endorse those sites and is not responsible for their content, security, availability, accuracy or policies.

9. Tools, calculators & examples. Any Website calculators, timelines, fee examples or templates are illustrative and may not reflect the user's specific circumstances or current Authority pricing/policies. They do not guarantee outcomes.

10. User submissions on the Website. If the Website allows comments, reviews or submissions, the Portal Contribution License terms apply. Instacorp may moderate or remove content at its discretion.

11. Copyright concerns (notice & takedown). If you believe Website content infringes rights, email [email protected] with: (a) contact details; (b) a description and URL of the material; (c) proof of ownership/authority; and (d) a good-faith statement that the use is unauthorised. Instacorp may remove or restrict access to disputed material and contact the submitter for a response.

12. Governing law & disputes. These Website Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai. After an amicable attempt to resolve any issue, the Dubai Courts have exclusive jurisdiction.

Thank you for using our services. If you have any questions or concerns regarding these Terms and Conditions, please contact us at [email protected]