Terms of Service

1. Acceptance of Terms

By accessing or using Growbal, you agree to these Terms of Service. If you do not agree, you must not use the platform.

2. About Growbal

Growbal LLC (“Growbal”) is a technology platform that facilitates introductions, proposal requests, communications, workflow management, payment coordination, and related marketplace services between users and independent service providers.

Growbal is not a law firm, tax adviser, immigration consultant, investment adviser, fiduciary, accounting firm, or financial institution.

3. Marketplace Nature of Services

Growbal does not provide professional services offered by providers listed on the platform.

All professional services are delivered directly by independent providers under separate agreements between the user and the provider.

Growbal does not supervise, direct, or control provider work and is not responsible for provider conduct, professional advice, deliverables, or outcomes.

4. AI-Assisted Functionality

The platform may use artificial intelligence to:

• Collect requirements
• Recommend providers
• Compare proposals
• Generate summaries
• Automate communications
• Improve marketplace functionality

AI-generated content is informational only and does not constitute legal, tax, immigration, investment, accounting, or professional advice.

Users must independently verify information before relying on it.

5. No Guarantee of Outcomes

Growbal makes no representation or warranty regarding:

• Company formation approvals
• Residency approvals
• Citizenship approvals
• Visa approvals
• Tax outcomes
• Banking approvals
• Investment outcomes
• Business success
• Regulatory approvals

Past results do not guarantee future outcomes.

6. Payments

Payments may be processed through third-party payment providers, including Stripe.

Growbal is not responsible for payment processor operations, banking delays, chargebacks, foreign exchange fluctuations, or payment failures.

7. User Responsibilities

Users agree to:

• Provide accurate information
• Upload lawful documents
• Use the platform in good faith
• Comply with applicable laws
• Refrain from fraudulent conduct

8. Intellectual Property

All platform software, AI systems, content, trademarks, workflows, algorithms, scoring methodologies, and marketplace technologies belong to Growbal or its licensors.

9. Limitation of Liability

To the fullest extent permitted by law, Growbal shall not be liable for:

• Provider misconduct
• Professional negligence by providers
• Failed applications
• Lost profits
• Lost business opportunities
• Indirect or consequential damages
• Data loss caused by third parties
• Decisions made based on AI-generated outputs

Growbal’s aggregate liability shall not exceed the amount paid directly to Growbal during the preceding twelve months.

10. Indemnity

Users agree to indemnify and hold harmless Growbal, its officers, employees, contractors, and affiliates from claims arising from:

• User conduct
• Uploaded content
• Violation of these Terms
• Violation of law
• Disputes with providers

11. Suspension and Termination

Growbal may suspend or terminate accounts at its discretion for fraud, misuse, legal risk, security concerns, or violations of these Terms.

12. Governing Law

These Terms shall be governed by the laws of the United Arab Emirates.

Any dispute shall be subject to the exclusive jurisdiction of the competent courts determined by Growbal’s registered legal structure and applicable UAE law.