ClickRozi a Digital Marketing Agency.

These General Terms of Service (“General Terms”) are a legal agreement between you (“you,” “your”) and ClickRozi. (”ClickRozi,” “we,” “our” or “us”) and govern your use of ClickRozi’s services, including mobile applications, websites, software, hardware, and other products and services (collectively, the “Services”). If you are using the Services on behalf of a business, that business accepts these terms. By using any of the Services you agree to these General Terms and any policies referenced within (“Policies”), including terms that limit our liability (see Section 18) and require individual arbitration for any potential legal dispute (see Section 21). You also agree to any additional terms specific to Services you use (“Additional Terms”), such as those listed below, which become part of your agreement with us. You should read all of our terms carefully.

1. Privacy

You agree to ClickRozi’s Privacy Policy which explains how we collect, use and protect the personal information you provide to us.

2. ClickRozi Account Registration

You must open an account with us (an “ClickRozi Account”) to use the Services provided by ClickRozi. During registration we will ask you for information, including your name and other personal information. You must provide accurate and complete information in response to our questions, and keep that information current. You are fully responsible for all activity that occurs under your ClickRozi Account, including for any actions taken by persons to whom you have granted access to the ClickRozi Account. We reserve the right to suspend or terminate the ClickRozi Account of any user who provides inaccurate, untrue, or incomplete information, or who fails to comply with the account registration requirements or violates any ClickRozi term, condition or policy.

3. Revisions, Disclosures and Notices

We may amend the General Terms, any Additional Terms, or our Policies, at any time with notice that we deem to be reasonable in the circumstances, by posting the revised version on our website or communicating it to you through the Services (each a “Revised Version”). The Revised Version will be effective as of the time it is posted, but will not apply retroactively. Your continued use of the Services after the posting of a Revised Version constitutes your acceptance of such Revised Version. Any Dispute (as defined in Section 20) that arose before the changes will be governed by the General Terms, Additional Terms or Policies in place when the Dispute arose.

You agree to ClickRozi’s consent. We may provide disclosures and notices required by law and other information about your ClickRozi Account to you electronically, by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your ClickRozi Account. Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies. Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, or within twenty-four (24) hours of the time emailed to you unless we receive notice that the email was not delivered. If you wish to withdraw your consent to receiving electronic communications, contact us. If we are not able to support your request, you may need to terminate your ClickRozi Account.

4. Restrictions

You may not, nor may you permit any third party, directly or indirectly, to:

  • Export the Services, which may be subject to export restrictions imposed by the law, including Export Administration Regulations;
  • Access or monitor any material or information on any ClickRozi system using any manual process or robot, spider, scraper, or other automated means;
  • Except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services;
  • Perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure;
  • Copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from ClickRozi;
  • Use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement;
  • Transfer any rights granted to you under these General Terms;
  • Use the Services in a way that distracts or prevents you from obeying traffic or safety laws;
  • Use the Services for the sale of firearms, firearm parts, ammunition, weapons or other devices designed to cause physical harm;
  • Use the Services for any illegal activity or goods or in any way that exposes you, other ClickRozi users, our partners, or ClickRozi to harm; or
  • Otherwise use the Services except as expressly allowed under these General Terms and applicable Additional Terms.

If we reasonably suspect that your ClickRozi Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your ClickRozi Account, and any of your transactions with law enforcement.

5. Compatible Mobile Devices and Third Party Carriers

We do not warrant that the Services will be compatible with your mobile device or carrier. Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls—sometimes referred to as “jail broken.”

6. Your Content

The Services may include functionality for uploading or providing photos, logos, products, loyalty programs, promotions, advertisements and other materials or information (“Content”). You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media in order to provide and promote the Services. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. You may modify or remove your Content via your ClickRozi Account or by terminating your ClickRozi Account, but your Content may persist in historical, archived or cached copies and versions thereof available on or through the Services.

You will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches any duty toward or rights of any person or entity, including rights of publicity, privacy or trademark; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with ClickRozi’s or its partners’ products and services, as determined by us in our sole discretion; or (f) in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose ClickRozi, its affiliates or its customers to harm or liability of any nature.

Although we have no obligation to monitor any Content, we have absolute discretion to remove Content at any time and for any reason without notice. You understand that by using the Services, you may be exposed to Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.

7. Copyright and Trademark Infringement

We respect the copyright and trademark rights of others and ask you to do the same. We respond to all valid notices of such copyright and trademark infringement, and our policy is to suspend or terminate the access privileges of those who infringe the copyrights and trademarks of others.

8. Security

We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat thosemeasures or use your personal information for improper purposes. You provide your personal information at your own risk.

You are responsible for safeguarding your password and for restricting access to the Services from your compatible mobile devices and computer(s). You will immediately notify us of any unauthorized use of your password or ClickRozi Account or any other breach of security.

Notwithstanding Sections 20 and 21, in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion. Our decision (which may include termination or suspension of any ClickRozi Account subject to dispute) will be final and binding on all parties.

9. Communications

You consent to accept and receive communications from us, including e-mail, text messages, calls, and push notifications to the cellular telephone number you provide to us. These communications may be generated by automatic telephone dialing systems which will deliver prerecorded messages, including for the purposes of secondary authentication, receipts, reminders and other notifications. Standard message and data rates applied by your cell phone carrier may apply to the text messages we send you, and you are responsible for any charges from your carrier for text messages sent from us. You may opt-out of receiving communications by following the unsubscribe options we provide to you. You acknowledge that opting out of receiving communications may impact your use of the Services.

10. Payments to User

User will receive advertisements (an “Ad”) selected by us. After you have viewed an Ad, we will deposit a credit into your ClickRozi account. After 65 days, what you have earned, you will have the option to withdraw your earnings of those credits directly to your Bank account, JazzCash or EasyPaisa. You expressly authorize ClickRozi or ClickRozi’s service provider to originate credit transfers to your financial institution account. We reserve the right to adjust the amount of credits you will receive per Ad view. Additional credit opportunities might be offered, with instructions on how such credits might be credited to your ClickRozi account.

Any account which remains inactive for greater than one-hundred eighty (180) days may be subject to closure. In such event, you agree that any unprocessed credits shall be forfeited and retained by us. We will give you reasonable notice before we close your account for inactivity to give you the opportunity to keep your account active. You agree that credits in your ClickRozi account will not earn any interest.

11. Cancellation & Refunds

You can cancel your membership plan within 48 hours of your confirmed payment to us. Any cancellation request after 48hrs, will be not entertained. Any request of cancellation shall be sent to us in writing. You can send your cancellation request from our contact us page.

12. Termination

We may terminate these General Terms or any Additional Terms, or suspend or terminate your ClickRozi Account or your access to any Service, at any time for any reason. We will take reasonable steps to notify you of termination by email or at the next time you attempt to access your ClickRozi Account. You may also terminate the General Terms and Additional Terms applicable to your ClickRozi Account by deactivating your ClickRozi Account at any time.

13. Effect of Termination

these General Terms or your ClickRozi Account is terminated or suspended for any reason: (a) the license and any other rights granted under these General Terms and any Additional Terms will end, (b) we may (but have no obligation to) delete your information and account data stored on our servers, (c) we will not be liable to you or any third party for compensation, reimbursement, or damages for any termination or suspension of the Services, or for deletion of your information or account data, and (d) retain any unprocessed credits in your ClickRozi Account. In addition to any payment obligations under the Payment Terms, the following sections of these General Terms survive and remain in effect in accordance with their terms upon termination: 6 (Your Content), 7 (Copyright and Trademark Infringement), 12 (Effect of Termination), 14 (Ownership), 15 (Indemnity), 16 (Representations and Warranties), 17 (No Warranties), 18 (Limitation of Liability and Damages), 19 (Third Party Products), 20 (Disputes), 21 (Binding Individual Arbitration), 22 (Governing Law), 23 (Limitation on Time to Initiate a Dispute), 24 (Assignment), 25 (Third Party Service and Links to Other Web Sites), and 26 (Other Provisions).

14. Your License

We grant you a limited, non-exclusive, revocable, non-transferable, non-sublicense-able license to use the software that is part of the Services, as authorized in these General Terms. We may make software updates to the Services available to you, which you must install to continue using the Services. Any such software updates may be subject to additional terms made known to you at that time. As further described in Section 14, Ownership, you do not own or have any additional rights to the Software or any Software updates then given in these General Terms.

15. Ownership

We reserve all rights not expressly granted to you in these General Terms. We own all rights, title, interest, copyright and other worldwide Intellectual Property Rights (as defined below) in the Services and all copies of the Services. These General Terms do not grant you any rights to our patents, trademarks or service marks.

The merchants represented are not sponsors of the rewards or otherwise affiliated with this company. The logos and other identifying marks attached are trademarks of and owned by each represented company and/or its affiliates. Please visit each company’s website for additional terms and conditions.

For the purposes of these General Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

You may submit comments or ideas about the Services (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited, and without restriction, that it will not place us under any fiduciary, confidentiality or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone.

16. Indemnity

You will indemnify, defend, and hold us and our processors (and our respective employees, directors, agents, affiliates and representatives) harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including without limitation reasonable attorneys’ fees) arising out of any claim, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises out of or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these General Terms or any Additional Terms; (b) your wrongful or improper use of the Services; (c) your violation of any third-party right, including without limitation any right of privacy, publicity rights or Intellectual Property Rights; (d) your violation of any law, rule or regulation of the United States or any other country; and (e) any other party’s access and/or use of the Services with your unique name, password or other appropriate security code.

17. Representations and Warranties

You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Services and have the right, power, and ability to enter into and perform under these General Terms; (c) any information you provide in connection with the Services, including your business name, accurately and truthfully represents your business or personal identity under which you sell goods and services; (d) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to you and/ or your business, including the Health Insurance Portability and Accountability Act (“HIPAA”); (e) you will not use the Services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of the Services; and (f) your use of the Services will be in compliance with these General Terms and applicable Additional Terms.

18. No Warranties

THE USE OF “CLICKROZI” IN SECTIONS 17 AND 18 MEANS CLICKROZI, ITS PROCESSORS, ITS SUPPLIERS, AND ITS LICENSORS (AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, AGENTS, DIRECTORS, AND EMPLOYEES).

THE SERVICES ARE PROVIDED “AS IS” WITHOUT REPRESENTATION OR WARRANTY, WHETHER IT IS EXPRESS, IMPLIED, OR STATUTORY. WITHOUT LIMITING THE FOREGOING, CLICKROZI SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

CLICKROZI DOES NOT WARRANT OR GUARANTEE THAT THE SERVICES ARE ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, WITHOUT DEFECT OR SECURE; THATANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

CLICKROZI DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICES ADVERTISED OR OFFERED BYATHIRD PARTY. CLICKROZI DOES NOT HAVE CONTROL OF, OR LIABILITY FOR, GOODS OR SERVICES THATARE PAID FOR USING THE SERVICES.

19. Limitations of Liability and Damages

TO THE MAXIMUM EXTENT PERMITTED BYAPPLICABLE LAW, IN NO EVENT WILL CLICKROZI BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OFTHE SERVICE. IN ALL CASES, CLICKROZI WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.

UNDER NO CIRCUMSTANCES WILL CLICKROZI BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES OR YOUR CLICKROZI ACCOUNT, OR THE INFORMATION CONTAINED THEREIN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF CLICKROZI IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE SIXTY FIVE DAYS (65 DAYS) PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY, OR (B) Rs.1000.

THIS LIMITATION OF LIABILITY SECTION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF CLICKROZI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. THE FOREGOING LIMITATION OF LIABILITY WILLAPPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

20. Disputes

“Disputes” are defined as any claim, controversy, or dispute between you and ClickRozi, its processors, suppliers or licensors (or their respective affiliates, agents, directors or employees), including any claims relating in any way to these General Terms, any Additional Terms, or the Services, or any other aspect of our relationship.

21. Binding Individual Arbitration

You and ClickRozi agree to arbitrate any and all Disputes by a neutral arbitrator who has the power to award the same damages and relief that a court can. ANY ARBITRATION UNDER THESE GENERAL TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, PRIVATE ATTORNEY GENERALACTIONS, REPRESENTATIVE ACTIONS AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST CLICKROZI. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision will be severed, and the remaining arbitration terms will be enforced (but in no case will there be a class or representative arbitration). All Disputes will be resolved finally and exclusively by binding individual arbitration with a single arbitrator administered by the Arbitration Association according to this Section and the applicable arbitration rules for that forum. Consumer claimants (individuals whose transaction is intended for personal, family, or household use) may elect to pursue their claims in their local small-claims court rather than through arbitration so long as their matter remains in small claims court and proceeds only on an individual (non-class or non-representative) basis. If you are a consumer bringing a claim relating to personal, household, or family use, any arbitration hearing will occur within the county where you reside. Otherwise, any arbitration hearing will occur in mutually agreeable location. The arbitrator’s award will be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. We will pay the arbitration fees due to the Arbitration Association for individual arbitrations brought in accordance with this section. If you prevail on any claim for which you are legally entitled to attorney’s fees, you may seek to recover those fees from the arbitrator. Both parties agree that the prevailing party of any arbitrated dispute shall be entitled to an award of their reasonable attorneys’ fees and costs, with the sum total of such fees and costs not to exceed the amount awarded in such arbitration. For purposes of this arbitration provision, references to you and ClickRozi also include respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the Services. Subject to and without waiver of the arbitration provisions above, you agree that any judicial proceedings (other than small claims actions in consumer cases) will be brought in and you hereby consent to the exclusive jurisdiction and venue in the state courts.

22. Governing Law

These General Terms and any Dispute will be governed by Pakistan law and/or applicable federal law (including the Federal Arbitration Act) as applied to agreements entered into and to be performed entirely within Islamabad, without regard to its choice of law or conflicts of law principles.

23. Limitation on Time to Initiate a Dispute

Any action or proceeding by you relating to any Dispute must commence within 30 DAYS after the cause of action accrues, or you will be forever barred from bringing such Dispute.

24. Assignment

These General Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you and any attempted transfer or assignment will be null and void.

25. Third Party Services and Links to Other Web Sites

You may be offered services, products and promotions provided by third parties and not by ClickRozi (“Third Party Services”). If you decide to use Third Party Services you will be responsible for reviewing and understanding the terms and conditions for these services. We are not responsible for the performance of any Third Party Services. The Services may contain links to third party websites. The inclusion of any website link does not imply an approval, endorsement, or recommendation by ClickRozi. Such third party websites are not governed by these General Terms. You access any such website at your own risk. We expressly disclaim any liability for these websites. When you use a link to go from the Services to a third party website, our Privacy Policy is no longer in effect. Your browsing and interaction on a third party website, including those that have a link in the Services is subject to that website’s own terms, rules and policies.

26. Other Provisions

These General Terms, and any applicable Additional Terms or Policies, are a complete statement of the agreement between you and ClickRozi regarding the Services. In the event of a conflict between these General Terms and any other ClickRozi agreement or Policy, these General Terms will prevail and control the subject matter of such conflict. If any provision of these General Terms or any Additional Term is invalid or unenforceable under applicable law, then it will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. These General Terms do not limit any rights that we may have under trade secret, copyright, patent, or other laws. No waiver of any term of these General Terms will be deemed a further or continuing waiver of such term or any other term.

27. Risk Disclosure

All financial gain made on our platform, included but not limited to investments, margins, profits etc. are all subject to risks. Investments always have an element of risk and may not be suitable for all investors. Ensure you understand the risks involved as you may lose all your invested capital. Past performance on our platform is not a reliable indicator of future results.

Please read our ‘Risk Disclousure Document’ below;

A.SCOPE OF THE NOTICE

i.Click Rozi (PVT) LTD (referred to as clickrozi.com, the ‘Firm’, ‘us’, ‘we’ and ‘our’) provides you with this ‘Risk Disclosure Notice’ (the ‘Notice’) to help you understand the risks that might arise when investing on our platform. However, you need to bear in mind that the Notice does not contain all the risks and aspects involved in investments. The Client (referred to as the ‘Client’, ‘you’, ‘your’ and ‘yourself’) should carefully read the Notice in conjunction with the ‘Client Agreement’ and the documentation/ information available to you through our Website.

ii. You need to ensure that any decision to engage in investing on our platform is made on an informed basis and in light of your knowledge and experience as well as to your personal circumstances (including but not limited to your financial position). In addition, you need to ensure that you understand the nature of the investment and the extent of all risks and aspects involved in investing.

iii. Please note that generating revenue from advertisement viewership is dependent on third party involvement CFDs are and therefore as such, involves a risk of loss as price movements are influenced by the amount of exposure the client is using.

iv. Investment in advertisement backed products is not appropriate for all persons. Under no circumstances, should you risk more than you are prepared to lose.

B.PRICE AND COST

i. The monies generated by our platform(s) are derived from the prices of the relevant underlying instruments of advertisement, which the Firm obtains from third party advertisement providers. The prices of your membership package that invest with us include a mark-up; this means that the returns offered by us comprise of

(i) the raw spreads received from advertisement provider(s) and (ii) a mark-up (where applicable).

ii.For investing on certain membership tiers, the Client may be required to pay a commission and/ or other fees; these instances are describedin detail in our Website. For all type of memberships offered by the Firm, the commission (if applicable) and fees are not incorporated into the Firm’s quoted prices and are instead charged explicitly to the Client Account(s). clickrozi.com acts as market maker when executing Client investments and theFirm may profit from any Client losses.

iii. You should not fund your Account using money obtained from any credit facility (including bank loan or otherwise). You should understand that your overall risks will be significantly increased. For instance, if you incur a loss on your investments, you will still have to repay any amount borrowed plus any interest or other costs. Therefore, you shall never finance any investments on such borrowed money and you should never rely on being able to profit on any investment, in order to repay such amounts.

C. FOREIGN EXCHANGE AND OTHER RELATED RISKS

i. You will be impacted by foreign exchange movements, if you are trading in a product that is denominated in a currency other than the currency of your Account. Any currency conversion calculations are provided by the Firm to the Client in the currency in which the Client account is denominated andthe currency of the relevant investment, using the cross-spot rate.

ii. Your capacity to invest may also be affected as a result of changes in the legal, regulatory, taxation environment and/or other.

D. CLIENT MONEY

i. If you are categorized as an investment client, any money that we hold on your behalf will be kept in one or more segregated accounts with an institution within or outside the Jurisdiction of the Islamic Republic of Pakistan, separated from the Firm’s money. The Client Money will be pooled with money belonging to other Clients (the ‘Omnibus Account’); therefore, an individual Client will not have a claim against a specific sum in a specific account, in the event of insolvency. A Client’s claim may be against the Client Money in the Omnibus Account. In general, accounts held with institutions, including omnibus account(s), face various risks, including the potential risk of being treated as one (1) account in case the institution defaults. Under such circumstances, the enforcement of the national deposit guarantee scheme may be applied without consideration of the ultimate beneficial owners of the Omnibus Account. Another risk might be that the funds in the Omnibus Account may be exposed to obligations of clickrozi.com connected with the positions of other Clients in case clickrozi.com is unable to meet its obligations towards them. In the event that the solvency of the institution thatclickrozi.com utilises to keep Client Money is partially or fully compromised, any loss shall be borne by you not us. In the event that any such institutiondefaults, the Client shall have no redress against the Firm.

E. NO ADVICE

i. Clickrozi.com may, from time to time and as often as it deems appropriate, issue and/or distribute third party material (the ‘Material’),which contains information including but not limited to the conditions of the markets, posted through our Website and other media and/or received by you. It should be noted that the Material is considered to be marketing communication only and does not contain, and should not be construed as containing, investment advice and/or an investment recommendation and/or, an offer of or solicitation for any transactions in financial instruments; any decision to enter into a specific transaction shall be made by the Client following an assessment by him/herself of their situation. Clickrozi.com makes no representation and assumes no liability as to the accuracy or completeness of the information provided, nor any loss arising from any investment basedon a recommendation, forecast or other information supplied by any employee of clickrozi.com, a third party or otherwise. The Material is not prepared in accordance with legal requirements promoting the independence of investment research and it is not subject to any prohibition on dealing ahead of the dissemination of investment research. All expressions of opinion included in the Material are subject to change without notice. Any opinions made may be personal to the author and may not reflect the opinions of clickrozi.com.

ii. Clickrozi.com does not provide investment, financial, legal, tax, regulatory or other advice relating to investments. Any material or information or other features, which may be provided to you through our Website, platforms, marketing or training events or otherwise, is generic and shall not be treated as advice appropriate for you or based on a consideration of your personal circumstances. You should seek independent professional advice from a suitably qualified advisor, if necessary, prior to engaging in investing with us.