Terms of use

Last updated: March 2026

These terms govern your use of apshold.com, operated by Advanced Payment Solutions Holding (“APS HOLD”, “we”, “us”), established in Abu Dhabi Global Market (ADGM), United Arab Emirates. By using this website, you agree to these terms. If you do not agree, please do not use the website.

1. About this website

This website gives general information about APS HOLD and its technology. Our payment and related services are provided only under separate written agreements with our clients. If those agreements conflict with these terms, the agreements apply.

2. No offer or advice

Nothing on this website is an offer, solicitation or recommendation to buy or use any financial product or service, and nothing here is financial, legal, tax or investment advice. Some services may not be available in every jurisdiction or to every type of client, and are offered only where we, or the relevant group company, hold any required authorisation.

3. Using the website

You may use this website for lawful purposes only. You must not:

access or try to access systems, data or accounts without authorisation;
introduce viruses, malware or other harmful code;
copy, scrape or extract content at scale without our written permission;
use the website in any way that breaks UAE law, including Federal Decree-Law No. 34 of 2021 on Combating Rumours and Cybercrimes, or the laws that apply in ADGM.

4. Intellectual property

The APS HOLD name, logo, website design, text, graphics and software belong to us or our licensors and are protected by intellectual property laws. You may view and print pages for your own reference. Any other use requires our prior written consent.

5. Accuracy of information

We work to keep the information on this website accurate and up to date, but we do not guarantee that it is complete, current or free from errors. Product features and availability may change without notice.

6. Links to other websites

This website may link to websites run by others. We do not control those websites and are not responsible for their content or privacy practices.

7. Limitation of liability

To the fullest extent allowed by law, we are not liable for any loss or damage arising from your use of, or inability to use, this website or any information on it. Nothing in these terms limits liability that cannot be limited under the applicable law.

8. Privacy

Our privacy policy explains how we handle personal data collected through this website.

9. Changes to these terms

We may update these terms at any time by publishing a new version on this page. The date at the top shows when they were last changed.

10. Governing law and disputes

These terms are governed by the laws applicable in Abu Dhabi Global Market. Any dispute arising from or relating to these terms or this website will be subject to the exclusive jurisdiction of the ADGM Courts.

11. Contact us

Legal, Advanced Payment Solutions Holding, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, United Arab Emirates. Email: info@apshold.com.