Version 2.0 – Effective as of 8^th  of June 2026

1. Acceptance of These Terms

These Terms of Use (“Terms”) govern access to and use of www.fiveoceansglobal.com (the “Site”), owned and operated by Five Oceans SFO FZCO (“Five Oceans,” “we,” “our,” or “us”).

By accessing or using the Site, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use the Site.

We may update these Terms from time to time. Any changes will become effective upon posting on the Site. Your continued use of the Site constitutes acceptance of the updated Terms.

2. Informational Purpose Only – No Offer or Advice

The Site is provided for general informational purposes only.

Nothing on the Site constitutes:

• Investment, legal, tax, accounting, or financial advice; or
• An offer, solicitation, or recommendation to buy or sell any security, investment product, or financial instrument.

No Reliance: You should not rely on any information on the Site for making investment or financial decisions.

Five Oceans SFO FZCO is a single family office investing exclusively in its own capital and does not offer services to the public.

3. Permitted Use

You may use the Site solely for personal and non-commercial informational purposes.

You agree not to:

• Copy, reproduce, distribute, or modify Site content without prior written consent;
• Use automated systems (including bots, crawlers, or scraping tools);
• Interfere with or disrupt the Site’s functionality or security;
• Use the Site for unlawful or prohibited purposes.

4. Intellectual Property

All content on the Site is owned or licensed by Five Oceans and is protected by applicable intellectual property laws.

No content may be:

• Reproduced for commercial purposes; or
• Used for training artificial intelligence systems, machine learning models, or similar technologies without prior written consent.

5. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we process personal data in accordance with applicable laws, including the UAE Personal Data Protection Law (PDPL).

6. Disclaimer of Warranties

The Site is provided on an “as is” and “as available” basis without warranties of any kind.

We do not warrant that the Site will be uninterrupted, secure, or error-free.

7. Limitation of Liability

To the fullest extent permitted by law, Five Oceans shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or in connection with your use of the Site.

Our total aggregate liability shall not exceed AED 100.

8. Indemnity

You agree to indemnify and hold harmless Five Oceans from any claims, damages, or losses arising out of your breach of these Terms or misuse of the Site.

9. Governing Law and Jurisdiction

These Terms are governed by the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of the courts of Dubai.

10. Modifications and Termination

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion.

Any changes will take effect upon posting on the Site. Your continued use of the Site following such changes constitutes acceptance of the revised Terms.

We may suspend, restrict, or terminate access to the Site at any time, without notice or liability, for any reason, including where necessary for security, legal, or operational purposes.

11. General Terms

(a) Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, it shall be severed, and the remaining provisions shall remain in full force and effect.

(b) No Waiver

No failure or delay by Five Oceans in exercising any right shall constitute a waiver of such right.

(c) Entire Agreement

These Terms constitute the entire agreement between you and Five Oceans regarding the use of the Site and supersede all prior understandings.

(d) Relationship

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Five Oceans.

12. Contact

Five Oceans SFO FZCO
Unit 1907, JBC5, JLT, Dubai, UAE
Email: info@fiveoceansglobal.com

Last Updated: 8^th of June 2026

Version 2.1 – Effective as of 8^th of June 2026

1. Data Controller

Five Oceans SFO FZCO is the Data Controller of your personal data.

2. Information We Collect

Automatically Collected Data

We may collect:

• IP address
• Browser and device information
• Pages visited
• Usage data and interaction patterns

We use Google Analytics and Google Tag Manager to analyse website traffic and performance. This information is collected in an aggregated and anonymized form and does not directly identify individuals.

Information You Provide

If you contact us, we may receive:

• Name
• Email address
• Phone number (if provided)
• Any information included in your message

3. Legal Basis for Processing

We process personal data based on:

• Legitimate interests (website operation and security)
• Consent (where required)
• Legal obligations
• Legal claims and defence

4. Use of Information

We use data to:

• Operate and improve the Site
• Monitor performance and usage
• Respond to enquiries
• Ensure security
• Comply with legal obligations

5. Cookies and Analytics

We use cookies and similar technologies to ensure proper website functionality and performance.

We use:

• Strictly necessary cookies
• Analytics cookies (Google Analytics & Google Tag Manager)

Analytics cookies help us understand website usage in an aggregated and anonymised form.

You may disable cookies at any time through your browser settings.

6. Data Sharing

We do not sell personal data.

We may share data with:

• Service providers (hosting, analytics)
• Legal or regulatory authorities
• Professional advisers

7. International Transfers

Data may be processed outside the UAE (including the UK). We ensure appropriate safeguards are in place in accordance with applicable data protection laws.

8. 8. Data Retention

We retain personal data only as long as necessary for legal, operational, or security purposes.

9. 9. Your Rights

You may:

• Access your data
• Request corrections or deletion
• Object to processing
• Withdraw consent
• Right to lodge a complaint with the UAE Data Office

10. Contact

Five Oceans SFO FZCO
Unit 1907, JBC5, JLT, Dubai, UAE
Email: info@fiveoceansglobal.com

Last Updated: 8^th of June 2026

Version 1.0 – Effective as of 8^th of June 2026

Five Oceans SFO FZCO (“Five Oceans”, “we”, “our” or “us”) is committed to making its website, www.fiveoceansglobal.com (the “Website”), accessible and user-friendly for all visitors.

As part of this commitment, we aim to present information in a clear, structured and accessible manner and to support the widest possible audience, including individuals who use assistive technologies.

1. Our Commitment

We strive to maintain a website that is easy to navigate and accessible across a range of devices, browsers and technologies. We seek to follow recognised accessibility principles and good industry practices when developing and maintaining the Website.

As the Website is intended solely to provide general information regarding Five Oceans and its activities, we continuously review its content and structure to improve usability and accessibility where reasonably practicable.

2. Continuous Improvement

Accessibility is an ongoing process. We regularly review the Website and may make improvements from time to time to enhance accessibility, usability and compatibility with evolving technologies.

While we endeavour to make all content accessible, some areas of the Website may require further enhancement as standards and technologies continue to develop.

3. Feedback and Assistance

We welcome feedback regarding the accessibility of the Website.

If you experience any difficulty accessing information on the Website or require assistance in obtaining information contained on the Website, please contact us and we will make reasonable efforts to assist you.

4. Contact Information

Accessibility-related enquiries may be directed to:

Five Oceans SFO FZCO
Unit 1907, JBC5, JLT, Dubai, UAE
Email: info@fiveoceansglobal.com

When contacting us, please provide details of the issue encountered and the relevant webpage, where applicable.

5. Updates to this Statement

We may update this Accessibility Statement from time to time to reflect changes to the Website, applicable legal requirements, or accessibility practices. Any updates will be published on this page together with the revised effective date.

Last Updated: 8^th of June 2026

Version 1.0 – Effective as of 8^th of June 2026

What Are Cookies

Cookies are small text files stored on your device to improve website functionality.

How We Use Cookies

We use cookies to:

• Ensure website security and functionality
• Improve user experience
• Analyse website traffic

Types of Cookies

Strictly Necessary Cookies

Required for website operation.

Analytics Cookies

We use Google Analytics and Google Tag Manager to understand how visitors use the Site. Data is aggregated and does not identify individuals.

Managing Cookies

You can disable cookies through browser settings, but some features may not work properly.

Contact

info@fiveoceansglobal.com

Last Updated: 8^th of June 2026