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Terms of Use

1. Introduction 

 

Welcome to GratuityAdviser (www.gratuityadviser.com). This website is a platform owned and operated by Lux Actuaries Financial Consulting L.L.C. ("we," "us," or "our"), a limited liability company incorporated in Dubai, UAE, under Department of Economic Development (DED) license number 2502210. We are regulated by the Capital Markets Authority (CMA) under license number 20200000249 (Category V). CMA provides regulation and imposes standards on the conduct of investment business to protect investors in the UAE. Lux Actuaries Financial Consulting L.L.C.,  2102 Al Habtoor Business Tower, Dubai Marina, Dubai, United Arab Emirates.

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2. Scope of Services

 

GratuityAdviser provides the following services:

  • Market updates and general information regarding End of Service Gratuity (EOSB) schemes

  • Resources, calculators, and administrative tools for employers

  • Analytics

  • eLearning educational courses for employers and employees

  • Tools to assist in the selection of Fund Managers

3. Nature of Information and Licensed Advice

 

General Information: Much of the content on this website, including news articles, general guides, and educational materials, is for informational purposes only. It is intended to provide a general overview of the EOSB gratuity landscape.

Licensed Financial Analysis: As an entity licensed by the CMA under Category V, Lux Actuaries Financial Consulting L.L.C is authorized to provide Financial Consultations, which includes analysis, recommendations and planning. Content specifically identified as "Financial Analysis," "Fund Rankings", and similar, constitutes professional analysis falling under our regulatory license. However, unless you have entered into a specific client engagement letter with us, this information does not constitute personalized investment advice tailored to your specific financial situation or risk tolerance.

4. Investment Risks

 

Users should be aware that all investments carry risk. Past performance of any fund or savings scheme analyzed on this platform is not a reliable indicator of future results. The value of investments can go down as well as up.

5. Intellectual Property

 

All content, analysis, methodologies, logos, and data presentations on GratuityAdviser are the exclusive property of Lux Actuaries Financial Consulting L.L.C. and are protected by UAE and international copyright laws. You may not reproduce, distribute, or create derivative works from the content of our website without express written permission.

6. Limitation of Liability

 

While Lux Actuaries Financial Consulting L.L.C. exercises professional due diligence in the preparation of its analysis and rankings:

  • We do not warrant the completeness or accuracy of data provided by third-party funds or managers.

  • We shall not be liable for any indirect, consequential, or incidental damages arising from the use of this platform.

  • Our liability for direct damages arising from professional negligence in our licensed activities shall be limited as per the terms of specific client engagement agreements or applicable UAE law.

 

7. User Obligations

 

Users agree to use the platform only for lawful purposes and not to misuse any proprietary tools or data scraping methods to extract our analytics.

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8. Governing Law

 

These Terms of Use shall be governed by and construed in accordance with the laws of the United Arab Emirates.

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