Legal Notice

NAIWA is an independent, privately operated SME assessment and certification platform. NAIWA is operated from Dubai, United Arab Emirates.

NAIWA operates under a commercial trade licence issued by the Dubai Department of Economy and Tourism (DET) with a licensed activity of Management Consultancies. NAIWA provides private, documentation-based business assessment and certification services and related informational tools. NAIWA does not hold itself out as anything other than a private management consultancy operating the NAIWA platform.

Contact: contact@naiwa.ae · Legal: legal@naiwa.ae

NAIWA is remotely managed and operated from Dubai, United Arab Emirates. NAIWA does not maintain a public walk-in office, branch office, or retail premises. Meetings and document exchange are handled by appointment or remote correspondence only.

Any reference to a location on this platform indicates the jurisdiction of operation and governing law and must not be read as a representation that NAIWA maintains a registered office, branch, or physical place of business open to the public.

NAIWA is currently not registered for VAT and does not charge VAT. NAIWA does not currently hold a Tax Registration Number (TRN) and does not issue tax invoices.

If VAT registration becomes applicable in the future, applicable taxes may be added and invoices may be updated accordingly. Any change will take effect prospectively and will be reflected on the relevant fees and billing pages.

NAIWA does not publish its full trade licence particulars on this website. Licence details may be provided on a confidential basis to verified counterparties, regulators, payment processors, banks, or institutional partners upon a legitimate, documented request and subject to NAIWA's verification of the requesting party.

The provision of licence details for verification purposes does not create any partnership, agency, endorsement, or other relationship and does not waive any term of these legal pages.

NAIWA expressly does not claim, and must not be understood to claim, any of the following:

• that NAIWA is a government, semi-government, or public authority, or is endorsed, approved, accredited, supervised, recognized, or authorized by any such authority;
• that NAIWA holds any regulatory approval, accreditation, or official recognition for its certification or assessment activities;
• that NAIWA holds a financial-services licence, crowdfunding licence, brokerage licence, payment-services licence, lending licence, or investment-advisory authorization;
• that NAIWA operates an investment platform, crowdfunding platform, securities exchange, or fund;
• that NAIWA is endorsed, sponsored, partnered with, or affiliated with any bank, free zone, government programme, accelerator, incubator, or financial institution, except where stated in a separately signed written agreement.

NAIWA is a private management consultancy operating a private assessment and certification platform. Any NAIWA certification is a private opinion based on submitted documentation and is not an official, governmental, or regulatory determination of any kind.

NAIWA is registered within Dubai's SME ecosystem. This registration is a factual record of participation only. It does not constitute government endorsement, regulatory approval, regulatory supervision, accreditation, official authorization, certification of NAIWA's methodology, or approval or guarantee of any NAIWA certification outcome, and it must not be represented as any of these. NAIWA does not publish the particulars or reference numbers of this registration on this website.

All content on this website, including text, graphics, logos, images, and software, is the property of NAIWA or its licensors and is protected by UAE and international intellectual-property laws.

The NAIWA name, logo, and certification marks are marks of NAIWA. Use of these marks, and any use of NAIWA certificates, registry entries, reports, screenshots, listings, summaries, or platform materials, requires NAIWA's prior written permission unless expressly permitted by NAIWA's published brand or certification-use rules. NAIWA may suspend, revoke, correct, or restrict any mark usage, certificate, listing, report, or registry entry that is inaccurate, misleading, expired, misused, unlawful, reputationally harmful, or outside the permitted scope.

NAIWA certification is a private, documentation-based, point-in-time, limited-scope assessment that evaluates an enterprise's operational readiness against NAIWA's published criteria across a defined set of pillars. It reflects only the documentation submitted, assessed at the time of review. It is a private opinion and is not an official, governmental, or regulatory determination, and does not constitute a guarantee of future performance, an endorsement or recommendation for investment, government or regulatory approval, or verification of facts beyond the submitted documentation.

The assessment is based solely on documentation and evidence submitted by the applicant, and is subject to the following inherent limitations:

• Documentation reliance: Assessment is based on submitted documentation. Unless expressly stated in writing for a specific engagement, NAIWA does not independently verify the authenticity or accuracy of source documents.
• No independent verification, inspection, or audit: NAIWA does not conduct on-site inspections, physical inspections, or a financial or statutory audit, and does not perform ongoing monitoring of certified enterprises.
• Point-in-time assessment: Certification reflects status at the time of evaluation and does not account for subsequent changes to the enterprise's circumstances.
• Framework boundaries: Assessment is limited to the published pillar framework and does not evaluate aspects outside those defined criteria.
• No predictive capability: Certification does not predict future performance, compliance, solvency, or business outcomes.

NAIWA certification is provided "as is" without any warranties, express or implied. NAIWA makes no representations or warranties regarding the merchantability, fitness for a particular purpose, or non-infringement of any certification status or information. Users rely on certification information at their own risk.

Certification is valid for the period specified in the certification record, and may be suspended, revoked, corrected, or allowed to expire. The enterprise's circumstances may change during the certification period, and certification status reflects only the assessment at the time of evaluation.

The public verification registry is the authoritative source of current status; the registry status at the time of viewing prevails over any certificate, screenshot, or copy. Always verify current certification status through the official verification registry before relying on certification information, and place no reliance on a certificate beyond its stated scope.

Any third party that accesses, references, relies on, partners with, sponsors, integrates with, promotes, uses, or evaluates NAIWA certification, registry status, listings, reports, or AI outputs must conduct its own independent due diligence, KYC, KYB, AML/sanctions checks, and legal, financial, tax, technical, commercial, and suitability assessment before making any decision. NAIWA outputs are not a substitute for that diligence.

Third parties who rely on NAIWA certification status for any purpose do so at their own risk, and NAIWA accepts no liability for decisions made by third parties based on certification information, including decisions by financial institutions, investors, or commercial partners. See the Terms of Use, Section 17, for the full third-party reliance terms.

Exclusion of Damages

To the maximum extent permitted by applicable law, NAIWA shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• use or reliance on certification status or information;
• decisions made based on certification outcomes;
• business losses, lost profits, or lost opportunities;
• third-party claims arising from certification status;
• errors, omissions, or inaccuracies in assessment.

Cap on Liability

To the maximum extent permitted by law, and consistent with the Terms of Use, Section 18, NAIWA's total aggregate liability arising from or related to certification or the Services shall not exceed the total fees actually paid by you to NAIWA for the specific service giving rise to the claim in the twelve (12) months preceding the event giving rise to the claim. Nothing here excludes liability that cannot be excluded under applicable UAE law.

Third-Party Claims

NAIWA bears no liability for claims, actions, or demands brought by third parties who rely on certification status for their own decisions, including but not limited to financial institutions, investors, or commercial partners.

The limitations of liability set forth in this Legal Notice do not apply to:

• liability arising from gross negligence or willful misconduct by NAIWA;
• liability that cannot be excluded under applicable law;
• fraud or fraudulent misrepresentation by NAIWA.

Certified enterprises agree to indemnify, defend, and hold harmless NAIWA from any claims, losses, or damages arising from:

• misrepresentation of certification status;
• use of certification beyond its stated scope;
• submission of fraudulent or misleading documentation;
• violation of these terms or applicable law.

Information on this website is provided for general informational purposes only. While NAIWA strives to keep information accurate and current, NAIWA makes no representation or warranty of any kind as to the completeness, accuracy, reliability, suitability, or availability of any information. Any reliance you place on such information is strictly at your own risk.

Nothing on this website constitutes legal, tax, financial, accounting, regulatory, or investment advice, and nothing on this website is an offer, solicitation, or recommendation in relation to any security, financing, or investment.

This website may contain links to, or integrations with, external websites and services not operated by NAIWA. NAIWA has no control over, and accepts no responsibility or liability for, the content, practices, availability, or policies of any third party. The inclusion of any link or integration does not imply endorsement.

NAIWA shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including but not limited to natural disasters, epidemics or pandemics, government actions, system or telecommunications failures, cyber-attacks, or other force majeure events.

If any provision of this Legal Notice is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

This Legal Notice, and any dispute arising from the use of this website or from NAIWA certification, shall be governed by and construed in accordance with the laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of Dubai shall have exclusive jurisdiction over any dispute, without prejudice to any mandatory consumer-protection rights.