Terms & Conditions

Introduction

These Terms and Conditions ("Terms") govern your use of the website operated by BY BANKS L.L.C-FZ ("BY BANKS", "we", "us", or "our") at bybanks.me (the "Website"). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website.

BY BANKS L.L.C-FZ is a limited liability company registered in Meydan Free Zone, Dubai, United Arab Emirates (Trade License: 2425027.01).

Services Overview

BY BANKS provides technology consultancy and software development services. This Website serves as an informational resource about our services, capabilities, and company.

The provision of our professional services is governed by separate service agreements, statements of work, or contracts entered into directly with clients. These Terms apply to Website usage only and do not constitute a service agreement.

Acceptable Use

You agree to use this Website lawfully and in a manner that does not:

Infringe the rights of any third party or restrict their use of the Website
Attempt to gain unauthorised access to any part of the Website, server, or connected systems
Introduce viruses, malware, or other harmful code
Use automated tools, bots, scrapers, or crawlers to access or index the Website without our prior written consent
Reproduce, duplicate, copy, or redistribute Website content for commercial purposes without permission
Attempt to probe, scan, or test the vulnerability of the Website or any related system

We reserve the right to restrict or terminate access to the Website for any user who violates these Terms.

Intellectual Property

Our Content

All content on this Website — including text, graphics, logos, images, design elements, code, case studies, and documentation — is the property of BY BANKS L.L.C-FZ or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, distribute, or commercially exploit any content without our prior written consent.

Client Work & Portfolios

Case studies, portfolio items, and references to client work displayed on this Website are shown with appropriate permissions. Client logos and trademarks remain the property of their respective owners and are used solely for the purpose of illustrating our experience and capabilities.

Third-Party Content

This Website may contain links to third-party websites or reference third-party products and services. These are provided for convenience and do not imply endorsement. We are not responsible for the content, accuracy, or practices of any third-party website.

Third-Party Trademarks & Illustrative Content

Third-Party Trademarks

Third-party trademarks, service marks, trade names, product names, company names, and logos referenced on this Website are the property of their respective owners. Any such references — including but not limited to names of property developers, government authorities, regulatory bodies, software platforms, and commercial entities — are used for identification, descriptive, or illustrative purposes only.

BY BANKS L.L.C-FZ is an independent software consultancy. The mention of any third party on this Website does not imply affiliation, partnership, sponsorship, endorsement, certification, or any commercial or contractual relationship with that party unless explicitly stated in writing.

Illustrative Content & Product Previews

This Website contains product previews, interactive widgets, dashboard mockups, and other visual demonstrations used to illustrate the capabilities of our platforms and services. Unless explicitly identified as a published case study or portfolio item:

All project names, tender references, deal values, financial figures, timelines, and counterparties shown in such previews are fictional
Any resemblance to actual projects, transactions, clients, or confidential data is coincidental
Previews are intended for demonstration purposes only and do not represent live operational data, real transactions, or client-specific information
Any branded references within illustrative content are used as descriptive examples of the market in which our platforms operate

Where we display genuine client work, it is clearly presented as a case study or portfolio item with appropriate permissions obtained from the client concerned.

Performance Claims & Outcomes

Where this Website references outcomes, efficiencies, cost savings, time reductions, performance improvements, return on investment, or other quantified benefits associated with our services, such figures are illustrative and drawn from our general understanding of the domains in which we work. Outcomes vary significantly based on scope, existing systems, organisational readiness, data quality, regulatory context, and numerous other factors specific to each engagement.

Nothing on this Website constitutes a representation, warranty, guarantee, or contractual commitment regarding specific outcomes, savings, return on investment, delivery timeframes, or operational performance. Any performance expectations relating to a specific engagement will be agreed in writing in the applicable statement of work or service agreement.

Third-Party Statistics & Market Data

This Website references statistics, market figures, programme budgets, user counts, control counts, regulatory thresholds, and other data points relating to third-party authorities, platforms, organisations, and markets. Such data is drawn from publicly available sources including government publications, regulator statements, press releases, industry reports, vendor disclosures, and other materials that BY BANKS believes to be reliable at the time of publication.

BY BANKS does not independently verify all such data and makes no warranty as to its accuracy, currency, or completeness. Third-party figures change over time, and users should consult the original source for authoritative information. A summary of principal data sources is available at Sources & Data.

Regulatory & Public Body References

References to regulatory authorities, government bodies, public registers, national programmes, or jurisdictional frameworks (including but not limited to Dubai Municipality, Trakhees, Dubai Civil Defence, Smart Dubai, Digital Dubai, Dubai Pulse, UAE PASS, TDRA, the Signals Intelligence Agency (formerly NESA), DESC, MoIAT, ICV, ADGM, FSRA, DIFC, DFSA, VARA, RERA, DLD, DARI, and TAMM) are made for factual, descriptive, or contextual purposes relating to the regulatory and operational environment in which our services are provided.

Such references do not imply accreditation by, certification from, membership of, endorsement by, partnership with, or any official or commercial relationship with those bodies unless expressly stated in writing. Readers should consult the relevant authority directly for authoritative information on regulatory requirements, programmes, and frameworks.

Confidential Materials

From time to time, we may share confidential materials with specific clients or prospects via this Website, including but not limited to proposals, prototypes, technical documentation, and project deliverables. Where such materials are shared:

Access is intended only for the named recipient
Materials remain the intellectual property of BY BANKS unless otherwise agreed in a separate contract
Recipients may not share, redistribute, or publicly disclose these materials without our prior written consent
Accessing confidential materials intended for another party is prohibited

If you believe you have accessed materials not intended for you, please notify us immediately at [email protected].

External Tools & AI-Generated Assessments

This Website may include components — such as our "AI fit check" feature — that direct users to third-party artificial intelligence platforms (including but not limited to ChatGPT, Claude, Gemini, Perplexity, and similar services) for the purpose of generating an assessment, evaluation, or opinion about the suitability of a BY BANKS engagement.

Any response, recommendation, score, summary, or statement generated by a third-party AI platform:

Is produced independently by that third-party platform and is not authored, reviewed, endorsed, verified, or controlled by BY BANKS
Does not constitute professional advice, representation, or warranty from BY BANKS
May contain inaccuracies, outdated information, hallucinated content, or conclusions that do not reflect BY BANKS's actual capabilities, pricing, availability, or engagement terms
Is subject to the terms of service, usage policies, and privacy policies of the third-party platform concerned

Users choosing to use such external tools do so at their own discretion. Any engagement with BY BANKS will be governed exclusively by a written service agreement, and no AI-generated output on a third-party platform creates any obligation, representation, or commercial commitment on the part of BY BANKS.

Enquiries & Communications

When you submit an enquiry through our Website contact forms, you agree that:

The information you provide is accurate and complete
We may contact you using the details provided to respond to your enquiry
Your enquiry does not create a client relationship or contractual obligation
Any information shared in your enquiry will be handled in accordance with our Privacy Policy

Disclaimers

Website Availability

We endeavour to keep this Website available and up to date, but we do not guarantee uninterrupted or error-free access. We may suspend, withdraw, or restrict access to all or any part of the Website for business or operational reasons without notice.

Content Accuracy

While we take reasonable care to ensure the accuracy of information on this Website, content is provided on an "as is" basis. We make no warranties or representations, express or implied, regarding the completeness, accuracy, reliability, or suitability of any information, services, or related materials.

No Professional Advice

Content published on this Website, including articles, perspectives, and case studies, is for general informational purposes only and does not constitute professional, technical, legal, or financial advice. Decisions should not be made solely based on Website content without seeking appropriate professional counsel.

Indicative Pricing

Where prices, fees, engagement values, day rates, retainer figures, or commercial indicators are referenced on this Website — including but not limited to costs for Operations Discovery, build phases, retainers, or specific service offerings — such figures are indicative and provided for illustrative purposes. Final pricing is subject to scope definition, depends on factors specific to each engagement, and will be confirmed only in a written proposal or statement of work. Published figures are not binding offers.

Editorial & Opinion Content

Articles, perspectives, commentary, playbooks, and other editorial content published on this Website represent the views of BY BANKS or its contributing authors at the time of publication. Such content is provided for general informational and discussion purposes and does not constitute professional, legal, financial, or technical advice. Views expressed may evolve over time, may be superseded, and do not necessarily reflect the views of any BY BANKS client, partner, or collaborator referenced within the content.

Limitation of Liability

To the fullest extent permitted by applicable law, BY BANKS L.L.C-FZ shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this Website, including but not limited to:

Loss of profits, revenue, data, or business opportunity
Any errors, inaccuracies, or omissions in Website content
Any interruption or cessation of Website availability
Any viruses or harmful components transmitted through the Website
Any unauthorised access to or alteration of your data or transmissions

Nothing in these Terms excludes or limits liability that cannot be lawfully excluded under UAE law or any other applicable jurisdiction.

Indemnification

You agree to indemnify and hold harmless BY BANKS L.L.C-FZ, its directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Website or any breach of these Terms.

Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE.

Where this Website references services, regulatory frameworks, licensing requirements, or compliance obligations across multiple emirates or jurisdictions (including but not limited to Abu Dhabi, Dubai, Sharjah, the Northern Emirates, and the federal UAE level), such descriptions are general in nature. Specific compliance, licensing, regulatory, and jurisdictional requirements applicable to a given engagement will be scoped, confirmed, and documented as part of the relevant service agreement.

Where BY BANKS enters into service agreements with clients in other jurisdictions, the governing law and dispute resolution provisions of those specific agreements shall take precedence over these Terms for matters relating to service delivery.

Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated revision date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.