1. This document titled Lnxx General Terms and Conditions contains the terms and conditions that are applicable to all the services ("Lnxx Services") that Lnxx offers to you or to any of its customers across any or all of its platforms (“Lnxx Platforms”). The Lnxx General Terms and Conditions may be changed or amended by Lnxx from time to time with or without prior notice and updated on the Lnxx website Lnxx.com ("Lnxx Website")
2. You are required to read and familiarize yourself with these terms and conditions and your continued use of any of Lnxx Services or the use of Lnxx Platforms or any or all of the functionalities of Lnxx Platforms is an automatic confirmation of the fact that you have read, understood and accepted all the terms and conditions laid down in this document titled Lnxx General Terms and Conditions as well as the updated Terms and conditions on the Lnxx.com website.
3."Lnxx Services": Lnxx Services are services that Lnxx provides to you through any of its platforms (“Lnxx Platforms”). These services are provided to you by Lnxx in its role only as an intermediary and a service provider. Lnxx Services may include but not be limited to selling and distribution of products and services of the Lnxx Partner Institutions. Lnxx is authorized to make available, sell and distribute the products of Lnxx Partner Institutions to you through agreements and arrangements Lnxx has with the Lnxx Partner institutions. Lnxx is not a financial institution and is not governed by the UAE Central Bank. As such, Lnxx does not have and is not authorized to have or sell financial products of its own.
4The "Lnxx Partner Institutions": Lnxx Partner Institutions are entities that Lnxx has sales or distribution arrangements and agreements with. Through these agreements, Lnxx is authorized to make available and sell to you specific products and services provided by the Lnxx Partner Institutions. The Lnxx Partner Institutions include but may not be limited to banks, financial Institutions and finance companies registered in the UAE or in any other country or geography. Lnxx Partner Institutions may include any entity that provides any products or services with whom Lnxx has an agreement to sell or distribute the products or services provided by that entity. The list or set of Lnxx Partner Institutions may increase or decrease from time to time as Lnxx gets into new agreements with newer entities or gets out of an existing agreement with an entity.
5 "Lnxx Platforms": Lnxx Platforms include any mode of interaction that you use to interface with Lnxx and vice versa or Lnxx uses to interface and interact with the Lnxx Partner Institutions and vice versa. Lnxx Platforms may include but not be limited to mobile applications (Lnxx App), website (“Lnxx Website”), interface over the phone, SMS, physical interface through in person meetings by Lnxx representatives, mail, e-mail and social media platforms including Whatsapp.
1 When you use Lnxx Services to apply for a product or service of a Lnxx Partner Institution, you will be asked to and be required to provide a certain set of your data, information and documents, including your financial information, identification documents like Emirates ID and passport and any other national ID, (collectively “Customer Data”) to Lnxx about yourself through any of Lnxx Platforms. This data and information that you provide to Lnxx will be used to register you as a Lnxx customer and create a Lnxx customer account for you ("Lnxx ID"). You expressly authorize Lnxx to store the data, information and documents that you provide to Lnxx through any Lnxx Platform and for Lnxx use it in accordance with the terms and conditions laid out in this document as well as the Lnxx Privacy Policy that is available on the Lnxx Website. Customer Data that you will be required to provide in order to use Lnxx Services to apply for products of Lnxx Partner Institutions may include Customer Data asked for by any or all of Lnxx Partner Institutions in the format of the respective Lnxx Partner Institution. Lnxx reserves the right to reject your registration as a Lnxx customer or to let you proceed with use of Lnxx Services for any reason whatsoever.
2 Lnxx may pass on Customer Data to any of the Lnxx Partner Institutions of its choice including but not limited to the Lnxx Partner Institution that you have indicated as your choice for applying for a product through any of the Lnxx Platforms. Lnxx Partner Institutions may then use Customer Data to assess and evaluate your application and carry out investigations as they deem appropriate to approve or decline your application. The final decision on the approval of any financial product or credit facilities including approval and issuance of credit cards, as well as the subsequent sanction of any Credit card limit or approval of any loan and as well as the extent of the loan amount approved will all be done at the sole discretion of the respective Lnxx Partner Institutions to which Customer Data have been sent and the application has been made, and is subject to that Lnxx Partner Institution’s policy and guidelines. Please note that Lnxx provides no assurance of approval in this regard, and is merely an intermediary and a service provider enabling and assisting you (the customer /applicant) in the associated application process. Any loan amounts or credit card limits or any other preliminary approval amounts indicated through any of Lnxx platforms will only be purely illustrative in nature and not an assured amount. In this process of assessment, Lnxx Partner Institutions may ask you for additional Customer Data as well as documents from you directly or through Lnxx.
3 You hereby agree and acknowledge that while using Lnxx Services and Lnxx Platforms, Lnxx may carry out its own verifications of Customer Data. These verifications may include but not be limited to mobile number verification by way of one time password (OTP) being sent to the mobile number you provide to Lnxx. Lnxx Platforms may also ask you to provide with your photograph either by way of a file upload or directly by the use of camera features built in any of the Lnxx Platforms. These photos may be used to match with the photos on your documents including your Emirates ID. While using Lnxx Services through any Lnxx Platform, you may also be required to capture a video of yourself for a video consent and as proof of your using Lnxx Platforms. Lnxx Platforms may also have other security features like geographic location identification.
4 Lnxx Services are provided by Lnxx only as an intermediary between you the customer/applicant and Lnxx Partner Institutions. As a part of your using Lnxx Services to apply for the products of Lnxx Partner Institutions, Lnxx Partner Institutions may also ask you to fill their own application forms for the products you apply for and those application forms may carry their own set of terms and conditions that the Lnxx Partner Institutions will and do want you to read understand and accept as a part of the application process. By using Lnxx Services through any Lnxx Platform, you understand and acknowledge that during the application process and further whether the Lnxx Partner Institution approves or declines your application, nothing will ever constitute a tripartite agreement between you, Lnxx and any Lnxx Partner Institution during the application process or thereafter. You acknowledge that Lnxx will not be liable for any claims arising out of any dispute between you and Lnxx Partner Institutions.
5 You acknowledge that while acting as an intermediary between you and the Lnxx Partner Institutions, Lnxx will make every attempt on a best effort basis to make sure that the description of the products and services of the Lnxx Partner Institutions is accurate at a point in time, the Lnxx Partner Institutions may change the description and features of the products and services they provide from time to time and you acknowledge that you will independently keep yourself updated of these descriptions and features and their suitability to your needs including any changes therein for a product or service of any Lnxx Partner Institution.
6 By using Lnxx Services through any Lnxx Platform you certify that the Customer Data you provide including any documents like Emirates ID copy, Passport copy, income and employment documents and proof, bank statements etc, are true and correct and that you shall advise Lnxx in writing of any changes thereto. You also expressly authorize Lnxx at its discretion to collect, use and store your Customer Data and any information that Lnxx may get from Lnxx Partner Institutions or from institutions like credit bureaus and banks including international credit bureaus and banks in any geography for whatever purposes it may require including sending it to Lnxx Partner Institutions for the purposes laid down in this document and also for data processing, marketing and selling products of Lnxx Partner Institutions to you, and for statistical and risk analysis purposes or to comply with the applicable laws, rules and regulations. By use of Lnxx Services you also irrevocably and unconditionally authorize Lnxx to make inquiries with, obtain my information from or supply my information to any bank or financial institution including Lnxx Partner Institutions or credit bureau or credit reporting agency in any jurisdiction for any purpose relating to but not limited to your financial position, employment, income or credit history.
7 By use of Lnxx Services you also authorize Lnxx to use your Customer Data you provide to Lnxx including names and contact details of any references you provide to contact you or the references by any means for verification as well as to send you promotional or marketing materials through any Lnxx Platform or over mail, e-mail, SMS, social media, phone, or any other means of communication. You also authorize Lnxx to contact you by any means of communication including Lnxx Platforms, Lnxx employees, representatives and agents, unless specifically informed to us in writing by you or the references to not do so.
8 You acknowledge and certify that while using Lnxx Services, you have satisfied yourself entirely that you are competent to use Lnxx Services to apply for products of Lnxx Partner Institutions with respect to all UAE laws as well as laws of any other jurisdiction that you may be subjected to. You also hereby acknowledge and certify that you understand that Lnxx will not be responsible in any way for any claims by anyone against you arising out of your use of Lnxx Services as well as any Lnxx Platform. You certify that you will use Lnxx Services and Lnxx Platforms in accordance with all applicable laws.
9 You acknowledge and certify that you will use Lnxx Services and Lnxx Platforms securely and that all verification processes on Lnxx Platforms like mobile number and OTP verification, Emirates ID photo match, video KYC etc will be done by you to prevent impersonation by someone else on your behalf. You also certify and acknowledge that you understand that there is a certain amount of risk associated with transmitting or providing your data by the use of Lnxx Platforms and that by continuing to use Lnxx Services or Lnxx Platforms, you accept that risk and agree to keep Lnxx and Lnxx Partner Institutions indemnified against any loss incurred by you or them in this regard. You also agree to keep Lnxx and Lnxx Partner Institutions indemnified against any malfunction of Lnxx Platforms including but not limited to conditions of Force Majeure.
10You acknowledge that the terms and conditions of this document will remain in force at all times during your use of Lnxx Services and Platforms as well as after you have stopped using them.
11 Termination: You acknowledge that your use of Lnxx Services or Lnxx Platforms may be terminated by Lnxx in the event of breach of any terms and conditions laid down in this document. Your use of Lnxx Services and Lnxx Platforms may also be terminated by Lnxx at its sole discretion without providing any reasons whatsoever.
12 You acknowledge that the terms and conditions of this document may not be terminated or amended without prior written consent by Lnxx. These terms and conditions will hold for all Lnxx Services and Lnxx Platforms including any future Lnxx Services and Lnxx Platforms.
13 You acknowledge and understand that any communication between Lnxx or its employees, representatives or agents, through any Lnxx Platform including over phone may be recorded. Such recording will be in accordance with applicable laws. At any time including upon your stopping use of Lnxx Services, such recording may be disclosed to Lnxx Partner Institutions and also used as evidence in legal proceedings.
14 Fees and charges: From time to time, Lnxx may apply fees and charges to be paid by you to Lnxx. These fees and charges will be informed to you by way of information available on the Lnxx Platform that you use. These fees and charges will be of a non-refundable nature.
15 You warrant that you will use Lnxx Platforms only to use Lnxx Services and for your own personal use. You also warrant that you will not make any attempt to disrupt any of Lnxx Platforms especially the Lnxx App or the Lnxx Website by way of any virus or malware or hacking or other technology or in any other manner.
16 Force Majeure: Lnxx will not be responsible or liable to you for any delay or failure in performing its obligations under this agreement if such performance is hindered due to events beyond the reasonable control of Lnxx including without limitation, acts of God, government regulations, acts of third parties including but not limited to Lnxx Partner Institutions, war, terrorism, strikes, labor disputes, civil disturbances, natural calamities, or disruptions or breach in power, telecommunication and internet systems.
17 Governing Law and Dispute Resolution: The terms and conditions laid down in this document titled “Lnxx General Terms and Conditions” will be subject to and be governed by the laws of the United Arab Emirates. Any dispute or legal proceedings in connection with this document will be subject to the jurisdiction civil courts of Dubai.
In relation to your use of Lnxx Platforms or Lnxx Services, you hereby irrevocably and unconditionally consent to permits and authorizes Lnxx to:
1 Share or provide your information that you have provided to Lnxx through the use of any of Lnxx Platforms or Lnxx Services, to any Credit Bureau(s) based in any geography, country or jurisdiction including but not limited to Al Etihad Credit Bureau Company (all such entities collectively referred to as “Credit Bureaus” for the purposes of this agreement). Such information may include but not be limited to personal information, financial or credit information.
2 Obtain or access any of your information including but not limited to personal information, financial information or credit performance information from or by the use of any Credit Bureau’s services or database.
3 Use your information so obtained to carry out activities including but not limited to data analytics, providing your information so obtained to share with Lnxx Partner Institutions, to assess your suitability or approval or rejection for a financial product through any of Lnxx Partner Institutions, sharing your information so obtained from any Credit Bureaus with Lnxx employees, affiliates, agents, any third parties that Lnxx has appropriate arrangements with wherever situated, or for any other activity relating to your application for a financial product through Lnxx or the use of any of Lnxx Platforms or Lnxx Services.
4 You understand and acknowledge that this Credit Bureau Consent shall remain in force at all times and may not be terminated by you without the prior written consent of Lnxx.
5 You understand and acknowledge that your information provided by Lnxx to Credit Bureaus may be used by such Credit Bureaus for storage as well as any data analysis and may also be shared by such Credit Bureaus further with banks, financial or other institutions or affiliates of that Credit Bureaus.
6 You understand and acknowledge that Lnxx will provide your information to any Credit Bureaus without any liability on the part of Lnxx or liability on the part of Lnxx or Lnxx Partner Institutions or Directors or Employees or Agents or affiliates of Lnxx.
7 You understand and acknowledge that Lnxx or any of its directors or employees or Lnxx Partner Institutions or Lnxx affiliates will not be liable or responsible for any loss or damage incurred by you because of the receipt of any incorrect or incomplete information about you from any Credit Bureaus.
The customer expressly acknowledges and accepts the following terms and conditions relating to the Lnxx Wallet and the Lnxx Cash Back Points:
1 The "Lnxx Wallet" or "Wallet" is an integral feature only for all registered customers on Lnxx's Platforms. It functions as a virtual repository, exclusively designed to earn, store and accumulate Lnxx Cashback Points ("LCP”) for Lnxx customers as a part of their profile with Lnxx.
2 The Wallet is geared towards enhancing user experience, serving as a platform to manage the LCP earned by Lnxx Customers. It is essential to note that the Wallet is not akin to digital cards or wallets for direct purchases outside of the Lnxx Platforms or apart from the way Lnxx at its sole discretion authorizes the use of the Wallet.
3 Lnxx Cashback Points ("LCP") are rewards given to customers in the form of points by Lnxx to customers, prospects and applicants of Lnxx for successful accomplishment of certain tasks and stipulated conditions being met by the customer which may include but not be limited to applying for a financial product, referring a customer to Lnxx, providing or completing personal and financial information etc. Grant of any LCP to any customer is entirely at the sole discretion of Lnxx and can be done only if Lnxx is satisfied that the conditions laid down by Lnxx for the earning of LCP are met successfully by the customer. To serve as an example and highlight the subject matter of this clause: In case LCP are granted to the customer for applying for a product or multiple products through Lnxx, LCP will be due only upon successful acceptance of the customers application by a Lnxx Partner Institution. Again, as another example: In case LCP are granted to the customer for referring another customer to Lnxx, LCP will be due only upon the successful acceptance of the referred person’s application by the Lnxx Partner Institution to which such application was sent.
4 LCP is not akin to actual monetary value in any form or denomination. From time to time Lnxx may decide to convert LCP into any monetary value and credit a Lnxx customer’s bank account registered with Lnxx. Such conversion will only be under conditions stipulated by Lnxx at its sole discretion. This conversion ratio of LCP into monetary value will be done at a ratio decided at the sole discretion of Lnxx and such ratio may be changed by Lnxx at its sole discretion from time to time with or without intimation to Lnxx Customers.
5 Expiry of LCP: LCP may have a shelf life, post which they will expire. Duration to expiry of LCP will be decided by Lnxx at its sole discretion and may change from time to time. Expired LCP cannot ordinarily be reinstated. Any reinstatement of expired LCP can be done only at the sole discretion of Lnxx.
6 LCP are non-transferable, non-exchangeable, and non-convertible to any tangible monetary value of any nature by the customer unless decided so by Lnxx at it's sole discretion.
7 It is incumbent upon customers to ensure the bank details they decide to register with Lnxx are accurate and current. Lnxx will not be responsible in any way for any damage or liabilities arising from discrepancies due to inaccurate bank account information provided by the customer to Lnxx. Customers might be subjected to transaction fees during LCP conversion to monetary value via credit to their bank account and any such transaction fees will entirely be borne by the customer.
8 Tax implications: Lnxx customers must be cognizant of any actual, potential, current or future tax implications that they may be subject to because of earning LCP or their conversion to monetary value in the customer’s hands and any such tax liability or implication will be the sole responsibility of the customer and Lnxx will not be liable to any such tax liability or implication. In case of any doubts regarding this, Lnxx recommends customers to consult with competent tax authorities or professionals for guidance on this subject and satisfy themselves.
9 LCP and the Lnxx Wallet programs may be stopped or dissolved at any time at the sole discretion of Lnxx. LCP once credited to the cm’s Lnxx Wallet may be withdrawn by Lnxx at the sole discretion of Lnxx and this may be done at any point of time including after LCP have been granted to the customer if Lnxx believes that the conditions required to be completed by the customer were not fulfilled prior to the granting of such LCP.
10 The decision whether the customer has met the conditions required for the grant of any LCP is entirely at the sole discretion of Lnxx. Any conversion of any LCP to any monetary value or any other items of any value will be entirely at the sole discretion of Lnxx.
1 INTRODUCTION
1.1 This Privacy Policy sets the terms on which Lnxx ("we", "us", or "our") collects, uses, maintains, and discloses your personal information when an individual interacts with us through Lnxx Platforms and Lnxx Services which may include but not be limited to our mobile application, websites or through Lnxx employees and agents. Throughout this policy, the term “customer”, "user", “you” or "your" refers to the individual accessing or using our services, or the company, or other legal entity on behalf of which such individual is accessing or using the services, as applicable. We highly prioritize your privacy and are committed not only to safeguarding your personal information but also to helping you understand how and why your information is used. By using our services, you acknowledge your understanding and acceptance of the practices described in this Privacy Policy. Please note that we may periodically update this policy as necessary to reflect changes in our practices or for other operational, legal, or regulatory reasons. The most current version of this policy will always be accessible on our platforms and websites. We encourage you to review this policy frequently to stay informed about our most current data protection practices.
2 SECURITY MEASURES
2.1 At Lnxx, we employ security measures to protect Customer Data against unauthorized access, modification, disclosure, or destruction.
2.2 Our physical security measures help safeguard the infrastructure that houses Customer Data, including secure data centers and backup systems. We regularly review our security practices, adapting to technological advancements and industry best practices to continually enhance data security.
2.3 In order to provide a seamless and efficient service, Lnxx may need to transfer and process Customer Data to Lnxx Partner Institutions as well as other third parties within the UAE or even across geographical borders. Please be assured that during these transfers, we adhere strictly to all applicable data protection laws and industry best practices to maintain the confidentiality and integrity of Customer Data. While we maintain data protection standards, we want to inform you that the legal requirements regarding data protection can change from time to time and differ from one country to another. Despite these changes and differences, we are committed to safeguarding Customer Data. Your use of Lnxx Platforms and Lnxx Services, and your decision to provide such information, constitutes your consent to the transfer, storage, and processing of Customer Data as laid down in this clause.
2.3 We recognize that you also play a critical role in data security. We advise you to protect your user credentials and avoid sharing them with others. If you suspect any security breach related to your account, please notify us immediately. While no digital platform can guarantee absolute security, we continuously implement and update administrative, technical, and physical security measures to protect your data to the best of our ability.
3. CUSTOMER DATA WE COLLECT
3.1 During the your use of Lnxx Platforms and Lnxx Services, users will be asked to provide Lnxx with certain Customer Data as referenced in Clause 1 of PART A of this document titled Lnxx General Terms and Conditions and described in greater detail in the Clause 3.2 of PART E of this document.
3.2 Customer Data: Customer Data for the purposes of this document as well as for the purposes of the use of Lnxx Services and Lnxx Platforms may include but not be limited to your financial information, identification documents like Emirates ID and passport and any other national ID, demographic and personal information including but not limited to name, address, email address and telephone numbers, your financial details including details of financial products you have with other financial institutions, credit and credit bureau information, information of 3rd parties (such as references which may include but not be limited to the contact information of such references your provide), bank account details, income proofs, and credit scores. Customer Data also includes copies of government-issued IDs and documents, including but not limited to identity and address proofs, and other relevant Know Your Customer (KYC) documents, which may be shared or uploaded by you during the application process. Customer Data may also include your data sourced from third parties including but not limited to financial institutions and credit bureaus. Customer Data may also include Usage, Behavioral, and Demographic Information: We collect a broad range of information about how users interact with our platform and services. This includes usage data, such as the specific areas of the platform users visit, the services they access, their IP address, device information, hardware settings, browser details. We also collect behavioral data, which provides insight into the users' activities on our platform, including system activity and mechanisms such as but not limited to the tracking of referral URLs. To provide a more tailored service, we gather demographic information, which includes non-personal information such as age, gender, occupation, interests, and location. All this information plays a crucial role in analyzing the use of our resources, troubleshooting problems, preventing fraud, and ultimately improving our services.
3.3 By using or accessing our platform, users agree to our collection, disclosure, and use of Customer Data as described in this document. We may track the collected internet protocol address or mobile device information from user’s interaction or visit to Lnxx Platforms and analyze this data for safety and statistical analysis. This information helps us keep Lnxx Platforms safe from breaches as well as helps Lnxx measure the use of our platform and improve our services. We also want to bring to your attention that our privacy policy does not extend to websites owned or managed by third-parties or for data or information disclosed by the user to third-parties including but not limited to Lnxx Partner Institutions. Please note, the use of Lnxx Services indicates users' consent to our collection, use, and disclosure of Customer Data as described in this policy.
4 USAGE, DISSSEMINATION AND RETENTION OF CUSTOMER DATA
4.1 Lnxx utilizes, analyzes and leverages Customer Data as described in this document to individualize each user's experience on our platform as well as provide superior and faster service and processing. This pertains to, but is not restricted to, Customer Data expressly provided by the user along with Customer Data sourced from other sources including but not limited to financial institutions, credit bureaus and other relevant entities. Furthermore, we may need to share Customer Data with third parties including but not limited to Lnxx Partner Institutions, service providers, business associates, financial institutions, Lnxx employees and agents or to comply with legal requirements, in strict adherence to applicable laws and regulations. We hold your data in line with the objectives specified in this Privacy Policy or as the law allows, implementing suitable steps to guarantee data safety.
4.2 Lnxx may partner with trusted third-parties to offer vital services on Lnxx Platforms. These third parties might be Lnxx Partner Institutions, companies or individuals tasked with data storage and hosting services, marketing assistance and customer support.
4.3 Lnxx Platforms or use of Lnxx Services may feature links to third-party websites or services including but not limited to Lnxx Partner Institutions that are not under the direct purview of Lnxx. These links are provided for processing your application, but we do not vouch for, assure, or pledge the security of these third-party sites or services. We encourage you to scrutinize the privacy norms and policies of any such third-party sites or services before sharing your Customer Data. Furthermore, use of Lnxx Platforms and Lnxx Services might necessitate the use of the internet for advertising activities, which could be executed by third-party service providers. These providers could employ internet technologies such as cookies, encoded URLs, and other tracking tools which might gather information, not limited to tracking your interactions, time spent, and pages viewed. Lnxx may leverage this compiled and anonymized personal information to generate non-personal, statistical, or aggregated data. This data, could be used for an array of purposes, including but not limited to research, analytics, marketing, and service enhancement.
4.4 At Lnxx, circumstances may arise where we need to disclose Customer Data during significant business events, including but not limited to mergers or acquisitions. During such events, it may be necessary to transfer Customer Data as part of the proceedings. Be assured, any such actions are always conducted in accordance with applicable data protection laws and with a priority focus on keeping Customer Data secure. In addition, legal obligations may call for the accessibility, retention, and revelation of Customer Data. These actions will be performed by Lnxx with an honest attempt to comply with legal mandates, safeguard Lnxx’s assets and rights, avert potential misconduct, ensure safety of Customer Data.
5 USER RIGHTS & GENERAL PROVISIONS
5.1 User Rights and Options: As part of our commitment to our users at Lnxx, we prioritize your autonomy over Customer Data. This means that you have the ability to view, correct, or delete your information that has been stored with Lnxx by informing Lnxx in writing or by the use of Lnxx Platforms wherever possible. Your providing Customer Data to Lnxx is optional in your hands, however, it should be noted that not providing Customer Data or providing incomplete or incorrect Customer Data might limit or restrict certain features and functionalities or may even completely disable the use of Lnxx Platforms and Lnxx Services. Please note that as part of Lnxx using Customer Data to have your application for financial products processed through Lnxx Partner Institutions Customer Data may be shared by Lnxx with third parties including but not limited to Lnxx Partner Institutions and other third parties like financial institutions, banks, and credit bureaus. Customer Data once shared by Lnxx with these third parties may not be possible to be deleted or withdrawn or taken back from such third parties.
5.2 Communications for Promotion and Marketing: At Lnxx, we focus on delivering personalized services, promotions, and experiences. To fulfill this, we might utilize Customer Data to enrich your engagement with our offerings and deliver pertinent promotional or marketing updates. However, we respect your preferences and offer you the ability to opt-out from such communications, either by adhering to the instructions in each communication or by informing Lnxx in writing. Please remember that even if you opt-out from promotional communications, essential transactional or administrative messages may still be sent to you from Lnxx.
5.3 Age Limitation and User Eligibility: The services of Lnxx are purposefully crafted for individuals who meet the legal age requirement for financial product acquisition, as specified by the laws of the United Arab Emirates. We stringently implement measures to prevent the gathering of Customer Data from individuals below this age threshold. In any case where Customer Data is inadvertently collected, we promptly take action to expunge it from our systems. If you are a parent or guardian and become aware that your minor child has shared Customer Data with us, we urge you to notify us in writing at the earliest opportunity.
5.4 Commitment to Customer Satisfaction: At Lnxx, your trust is our most valued asset, and we continually strive to nurture this bond. If you encounter any issues, discomfort, or dissatisfaction with our services, representatives' conduct, or Customer Data handling practices, we welcome you to notify us promptly, detailing the nature of your problem, and including all relevant details along with your contact information. These insights enable us to address your concerns promptly and effectively. We encourage you to provide any specific resolution steps you foresee that could help manage your concern effectively. Our team is devoted to thoroughly investigating your complaint and will strive to find a resolution in line with our commitment to protecting Customer Data, customer satisfaction and legal compliance. At Lnxx, maintaining high standards of service integrity is our priority.
