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Welcome to Five Oceans.

1. Acceptance of These Terms

These Terms of Use (the “Terms”) govern all access to and use of the website located at www.fiveoceansglobal.com (“Site”). The Site is owned and operated by Five Oceans SFO FZCO (collectively, “Five Oceans,” “we,” “our,” or “us”). By accessing, browsing, or otherwise using the Site, you (“you” or “your”) acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

2. Informational Purpose Only; No Offer or Solicitation

(a) Five Oceans is a single family office. The Site is provided solely for the purpose of conveying general information regarding Five Oceans and its investment philosophy.

(b) Nothing on the Site constitutes, or is intended to constitute, (i) an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, investment product, or investment service, (ii) investment, legal, accounting, or tax advice, or (iii) a representation that any investment or strategy is suitable or appropriate to your individual circumstances.

(c) As a single family office, Five Oceans invest their own capital across private and public markets, both regionally and internationally. No element of the Site is directed to, or intended for, any person or entity in any jurisdiction in which such distribution, publication, availability, or use would be contrary to applicable law or regulation.

3. Limited License and Permitted Use

Subject to your continued compliance with these Terms, Five Oceans grants you a personal, non-exclusive, non-transferable, revocable, limited license to access and use the Site solely for your own non-commercial, informational purposes. You must retain, without modification, all proprietary notices displayed on or contained within the Site or any content downloaded from the Site.

4. Intellectual Property

Unless otherwise expressly stated, all contents of the Site are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by Five Oceans or by third parties who have licensed their materials to us and are protected by the applicable laws.

We, together with our licensors expressly reserve all intellectual property rights in all text, programs, products, processes, technology, content and other materials, which appear on the Site. Access to the Site does not confer and shall not be considered as conferring upon anyone any license under any of our or any third party’s intellectual property rights. Any use of the Site or its contents, including copying or storing it or them in whole or in part, other than for your own personal, non-commercial use, is prohibited without our permission.

5. Prohibited Conduct

You agree that you will not:

(a) copy, reproduce, republish, upload, post, transmit, distribute, or modify any portion of the Site or the Content except as expressly permitted under Section 3;

(b) use any automated device, program, algorithm, methodology, or manual process to access, acquire, copy, or monitor any part of the Site or Content, or in any way circumvent the navigational structure or presentation of the Site;

(c) probe, scan, or test the vulnerability of the Site, or breach the security or authentication measures of the Site;

(d) interfere with or disrupt the operation of the Site or the servers or networks that host or make the Site available; or

(e) use the Site or any Content for any purpose that is unlawful or prohibited by these Terms.

6. Privacy

The Site is purely informational and does not on its own request personal data from visitors however, some personal data may be processed vicariously by virtue of using the Site. Personal Data processed on the Site will be in accordance with our Privacy Policy, the terms of which are hereby incorporated into and form part of these Terms.

7. Disclaimer of Warranties

The Site and all Content are provided on an “as-is” and “as-available” basis. Five Oceans makes no representations or warranties of any kind, express or implied, with respect to the Site or the Content, including (without limitation) warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, non-infringement, or that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Five Oceans or its members, managers, officers, employees, or agents be liable for any indirect, consequential, incidental, special, punitive, or exemplary damages, including (without limitation) lost profits, even if advised of the possibility of such damages. Without limiting the foregoing, Five Oceans’ aggregate liability to you for any and all claims arising out of or relating to these Terms, the Site, or the Content shall not exceed one hundred United Arab Emirates Dirhams (AED 100).

9. Indemnification

You agree to indemnify, defend, and hold harmless Five Oceans and its members, managers, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable legal counsel’s fees) arising out of or in any way connected with (a) your breach or violation of these Terms, or (b) your use of the Site or any Content.

10. Modifications and Termination

Five Oceans reserves the right to (a) modify, suspend, or discontinue the Site or any part thereof, (b) modify these Terms, or (c) terminate your access to the Site for any reason, all without notice or liability. Your continued use of the Site following the posting of any changes to these Terms constitutes your acceptance of those changes.

11. General Terms

(a) Relationship: None of the provisions of these Terms will be deemed to constitute a partnership or agency between you and Five Oceans and you will have no authority to bind the Company in any manner whatsoever.

(b) Severability: If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal or unenforceable and can be deleted without altering the essence of these Terms, the invalid, illegal or unenforceable provision will be severed and the remaining provisions will remain in full force or effect.

(c) No Waiver: Any failure by the Company to enforce any terms set out in these Terms or other policies with you is not a waiver of the Company’s rights to enforce those terms.

12. Governing Law and Jurisdiction

The Terms shall be governed by the laws of Dubai, United Arab Emirates. Any dispute regarding these Terms shall be subject to the exclusive jurisdiction of the Courts in Dubai. If any portion of the Terms is held to be unenforceable, invalid or illegal by any court of competent jurisdiction, the remainder of the Terms shall not be affected.

13. CONTACT

Five Oceans SFO FZCO bearing Commercial License No. DMCC-964685 and having its principal place of business at Unit No: 1907 JBC5 Plot No: JLT-PH2-W1A Jumeirah Lakes Towers Dubai UAE. You can contact us regarding these Terms, on info@fiveoceansglobal.com and contact number +971(0)4 552 3392.

This Privacy Policy (“Policy”) forms part of the Terms of Use (“Terms”) relating to the use of website located at www.fiveoceansglobal.com (“Site”) which is owned and operated by Five Oceans SFO FZCO (collectively “Five Oceans,” “we,” “us,” or “our”).

We are committed to safeguarding the privacy of your personal information that is provided to us or collected by us while using the Site (“User”, “you” or “your”). This Policy describes how and why we collect, store and use personal information, and provides information about your rights. Please read the following information carefully to understand our views and practices regarding how we handle personal information.

For the purposes of applicable data protection law, Five Oceans is the “data controller” of your personal information.

1. Information We Collect

(i) Information Collected Automatically

When you browse the Site, certain information may be collected automatically through common internet technologies such as cookies, web beacons, pixel tags, and log files. This information may include:

• Device identifiers (e.g., IP address, browser type, operating system, and referring URLs);
• Date, time, and duration of visits;
• Pages viewed and features used;
• The domain name of the site from which you linked to the Site; and
• General location data derived from your IP address (e.g., city or country).

(ii) Information You Voluntarily Provide

The Site does not contain interactive features that request personal information and Five Oceans does not seek to collect personal information directly through the Site. Should you choose to contact us by email or other means outside the Site, we may receive personal information you elect to provide (e.g., name, email address, telephone number, or any content included in your communication).

2. Legal Bases for Processing

By using the Site, you consent to our collection, use and disclosure of your personal information in accordance with the terms of this Policy. You may withdraw such consent at any time, however this will not affect the lawfulness of the processing based on your consent prior to the withdrawal.

3. How We Use Information

We may use automatically collected information, and any information you voluntarily provide, for the following purposes:

• To operate, maintain, and improve the Site;
• To analyze Site performance and usage trends;
• To diagnose or fix technological problems;
• To safeguard the security or integrity of the Site and Five Oceans’ systems;
• To comply with legal or regulatory obligations; and
• for other internal business purposes compatible with the context in which the personal information was collected.

4. Cookies and Similar Technologies

We use ‘cookies’ to improve this Site. Cookies are small files that are sent to a computer’s hard drive by a web server. Cookies enable websites to remember who you are. Information from cookies may include information relating to your use of our websites, information about your computer (such as IP address and browser type), and demographic data. The list below sets out the types of cookies we use, and the purposes for which we use them. Most internet browsers have a mechanism notifying you when you receive a new cookie and how to reject new cookies or disable cookies altogether. Additional cookies include all Google analytics cookies.

We also use advertising identifiers which are similar to cookies and are found on many mobile devices and tablets. Like cookies, advertising identifiers are used to make online advertising more relevant. Advertising cookies and advertising identifiers use information about your use of this and other websites and apps, your response to ads and emails, and to deliver ads that are more relevant to you. These types of ads are called “internet based advertising”.

5. Sharing your personal Information

We may disclose your personal information to third parties:

• If we sell or buy any business or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets;
• If Five Oceans, its business, or its assets are acquired by a third party, in which case personal information held by it about its Users, suppliers, or customers will be one of the transferred assets;
• If we are under a duty to disclose or share your personal information in order to comply with any legal obligation or if we are required to do so by a legal process, or in order to enforce or apply our terms and conditions and other agreements; or if we reasonably consider this necessary; or to protect the rights, property, or safety of Five Oceans, our Users, our customers, or others; and
• For the purposes of crime prevention and fraud protection.

6. Data Storage and Transfer of Personal Data

The personal information that you provide by using the Website is processed and stored in the United Kingdom.

Where personal information is to be transferred to outside the UAE, then consideration needs to be given to whether such recipients are in a jurisdiction considered to provide an adequate level of protection to Personal Data. If the recipients are not in such a jurisdiction, then consideration need to be given to whether or not the proposed transfer might otherwise fall within one of the scenarios in respect of which such a transfer is otherwise permitted by applicable data protection law.

7. Data Security

We employ commercially reasonable administrative, technical, and physical measures designed to protect information against unauthorized access, disclosure, alteration, or destruction. Nevertheless, internet transmission is not completely secure, and we cannot guarantee absolute security of information transmitted through the Website.

8. Data Retention

We retain information only for as long as necessary to fulfill the purposes outlined in this Policy or as required by law, whichever is longer. When information is no longer required, we will delete or anonymize it in a manner consistent with industry standards.

9. Your Rights

You have the right to:

• obtain information regarding the processing and protection of your personal information and access to the personal information which we hold about you;
• ask us to provide a copy of the personal information we hold about you;
• have personal information deleted or any inaccurate personal information about you corrected;
• request the transfer of your personal information to another party whenever this is technically feasible;
• object to processing your personal information for data profiling, direct marketing and automated processing; and
• right to lodge a complaint with the UAE Data Office.

If we are relying on your consent to process your personal information for certain activities, you are free to limit or withdraw your consent at any time by contacting us using the details under “Our Contact Us”. If you withdraw your consent, it will not affect the lawfulness of any processing based on your consent before you withdrew it.

If you would like to exercise any of your rights in relation to the personal information we hold about you, you can make such request by emailing us on using the email address under the section headed “Contact Us” below.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The amended Privacy Policy will be posted on the Platform. Please check this page regularly for changes to this Privacy Policy. If we make any material changes to this Privacy Policy we will notify you and obtain your consent (if required by applicable law) before they take effect either through the Platform or by sending you a notification. Any such material changes will only apply to personal information collected after the revised Privacy Policy took effect.

11. Questions and concerns

If you have any questions or concerns about how we handle your personal information, or about this Privacy Policy, please contact us using the contact information set out below. We are typically able to resolve privacy questions or concerns promptly and effectively. If you are not satisfied with the response you receive from us, you may escalate concerns to the UAE Data Office.

12. Contact Us

If you have any questions about this Privacy Notice or our privacy practices, please contact:

Five Oceans SFO FZCO

Address: Unit No: 1907 JBC5 Plot No: JLT-PH2-W1A Jumeirah Lakes Towers Dubai UAE

Email: info@fiveoceansglobal.com

Telephone: +971(0)4 552 3392

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Five Oceans SFO FZCO (collectively, “Five Oceans,” “we,” “our,” or “us”) is committed to ensuring that its website, located at www.fiveoceansglobal.com (the “Site”), is accessible to the widest possible audience and to all user groups, including persons with disabilities. Although the Site is a purely informational, non-interactive site that describes Five Oceans’ private investment activities—conducted exclusively with Five Oceans’ own capital – we nevertheless recognise the importance of digital inclusivity and have adopted the following policy and practices.

1. Our Accessibility Goal

Five Oceans’ objective is for the Site to conform to the Telecommunications and Digital Government Regulatory Authority’s (TDRA) National Policy for Digital Accessibility and international standards such as the World Wide Web Consortium (W3C) best practices and Level AA of the Web Content Accessibility Guidelines (WCAG) 2.1. We aim to present clear, well-structured content that can be understood and navigated by all users, including those who rely on assistive technologies such as screen readers, screen magnifiers, voice recognition software, or switch technology.

2. Measures We Have Implemented

To advance this objective, Five Oceans has:

(a) The use of clear, simple language which is easy to understand.

(b) The use of common web conventions.

(c) Avoiding the use of blinking or flickering elements.

(d) Built the Site using valid HTML5 and CSS3 to promote compatibility with current and future user agents, including assistive technologies.

(e) Structured pages with semantic markup that identifies headings, lists, links, and other elements programmatically, allowing assistive technologies to interpret content meaningfully.

(f) Ensured that text is resizable and high-contrast to support users with low vision or colour-sensitivity.

(g) Designed the site to be fully responsive so that it functions appropriately across a variety of devices, screen sizes, and orientation settings.

(h) Provided a simple, consistent navigation hierarchy and a sitemap to help users locate information quickly.

(i) Avoided the use of time-based media, flashing content, or other elements that could create accessibility barriers.

3. Ongoing Commitment and Continuous Improvement

Accessibility is an ongoing effort. While the current, static nature of the Site means users do not submit data, transact, or otherwise interact with Five Oceans through the Site, we continuously review our pages and templates to identify and rectify potential barriers. As standards evolve, we will update our codebase and content authoring practices accordingly.

We periodically engage external specialists to audit the Site against prevailing WCAG guidelines and to recommend remediation where required. We also value direct feedback from our users and incorporate that input into our development roadmap.

4. Alternative Formats and Assistance

If you experience difficulty accessing any portion of the Site, or if you require information in an alternative format, please contact us using the details below. We will make every reasonable effort to provide the requested content or assistance promptly and in a format that meets your needs.

5. Contact Information

Accessibility-related enquiries may be directed to:

Email: info@fiveoceansglobal.com

Telephone: +971 (0)4 552 3392

Postal Address: Unit No: 1907 JBC5 Plot No: JLT-PH2-W1A Jumeirah Lakes Towers Dubai UAE

When contacting us, please provide: (a) the web address of the page(s) at issue; (b) the nature of the problem you encountered; and (c) your preferred format for receiving the material.

6. Statement Updates

This Accessibility Statement may be updated from time to time to reflect changes in legal requirements, best practices, or the Site itself. The “Version” and “Date” indicate when the Statement was last revised.

We appreciate your interest in Five Oceans and thank you for helping us make our online presence as accessible and inclusive as possible.