Client Policies

Important: Both policies on this page must be read before engaging SNXS services. The AML & Client Due Diligence Policy (Section B) governs whether SNXS can accept an engagement at all. The Cancellation & Credit Policy (Section A) governs all post-engagement financial terms.

Section A — Cancellation & Credit Policy

Section B — AML & Client Due Diligence Policy

Both policies apply to SNXS agency services (snxs.ae). Separate policies govern Creators Pad at app.snxs.ae.

Section A — Cancellation & Credit Policy

Legal Basis: UAE Federal Law No. 2 of 2022 on Commercial Transactions; UAE Federal Decree-Law No. 5 of 2023 on Consumer Protection; Cabinet Resolution No. 66 of 2023.

By engaging SNXS, making any payment, or accepting any quotation, the Client unconditionally accepts this Policy in full. This Policy is published in English. In the event of any conflict between an English and Arabic version, the English version shall prevail unless the parties have expressly agreed otherwise in a signed written agreement.

1. Core Principle: Non-Refundable by Default

All fees, deposits, and payments made to SNXS are non-refundable as a default position.

This reflects the commercial reality of events and marketing: upon confirmed booking or first payment, SNXS immediately incurs irrevocable third-party obligations — to venues, AV and production companies, media platforms, talent, staffing agencies, and logistics providers — that cannot be reversed without cost.

SNXS may, at its sole and absolute discretion, issue a credit note as an alternative. Cash refunds are not an automatic right and require satisfaction of all four conditions in Section 4.

2. How to Cancel

All cancellation requests must be submitted in writing by email to: legal@snxs.ae

The email must include:

1. Your full legal name and company name.

2. Contract or invoice reference number.

3. Name of the service or event.

4. Original booking or agreement date.

5. Full reason for the cancellation request.

A cancellation takes legal effect only from the date SNXS issues a written acknowledgement of receipt. Requests without written acknowledgement from SNXS have no legal effect.

The following are not valid cancellations under any circumstance:

• Verbal requests (in person, by phone, or in any meeting).

• WhatsApp, SMS, or Telegram messages.

• Social media direct messages or comments.

• Emails sent to any address other than legal@snxs.ae.

• Communications from persons not authorised under the contract.

3. The 30-Day Rule

Where the confirmed event date, campaign launch date, or service execution date falls within 30 calendar days of contract signature, deposit payment, or booking confirmation — whichever is earliest:

• All payments are immediately and irrevocably non-refundable.

• All deposits and advance payments are fully forfeited.

• No credit note, service offset, or other remedy applies automatically.

• SNXS is under no obligation to provide any form of compensation.

At its sole discretion, SNXS may consider issuing a partial credit note toward future services. This is a commercial courtesy, not a legal right.

4. Cancellations Beyond 30 Days

Where a valid cancellation request is submitted more than 30 calendar days before the execution date, SNXS will conduct a supplier reconciliation. The default outcome is a credit note — not a cash refund.

A cash refund may be considered only where all four conditions are met:

1. Cancellation submitted more than 30 calendar days before the execution date.

2. No significant third-party supplier commitments have been deployed or are non-recoverable.

3. Minimal or no SNXS professional services work has commenced.

4. SNXS management has provided written approval following internal review.

SNXS is under no obligation to approve a cash refund. The decision rests solely with SNXS management and will be communicated in writing.

5. Credit Notes

Where SNXS issues a credit note, the following terms apply:

• Redeemable solely against future SNXS agency services.

• Valid for 12 calendar months from the date of issue.

• Non-transferable and non-assignable without SNXS written consent.

• No cash value — cannot be exchanged for money under any circumstance.

• Where issued for a VAT-applicable service, the credit note will state the net amount and UAE VAT component separately, in accordance with UAE FTA requirements.

• Issuance creates no precedent, obligation, or expectation of similar treatment in any future engagement.

6. Service-Specific Terms

Event Production and Management

Professional planning, coordination, and management fees are non-refundable once a project is confirmed and resources allocated. Third-party production costs are recoverable only to the extent actually returned by suppliers, which SNXS cannot guarantee.

Marketing, PR, and Content Services

All professional fees for work commenced, reviewed, or delivered — including strategy documents, creative briefs, written content, visual assets, media pitches, and community management — are fully earned and non-refundable from commencement.

Media Buying and Advertising

Once media budgets are committed to advertising platforms, networks, or publishers, those amounts are wholly and irrevocably non-refundable under any circumstances, including cancellation or force majeure. Digital platform fees are non-recoverable by SNXS.

Influencer, KOL, and Creator Campaigns

Influencer fees are non-refundable from the moment campaign briefs are communicated to talent, regardless of whether content has been published. Booking fees, exclusivity fees, and usage rights payments are non-refundable in all cases. A credit note may be considered at SNXS's sole discretion where content has not been published and the partnership can be paused.

Monthly Retainers

Monthly fees are non-refundable for any billing period that has commenced. Termination requires a minimum of 30 calendar days' written notice to legal@snxs.ae before the next billing cycle. Early termination does not entitle the Client to any refund for the current or any prior period.

Sponsorship Packages

A minimum 50% non-refundable deposit is required on signing. Cancellation within 45 days of the event: 100% of total sponsorship fee is forfeited. Cancellations beyond 45 days are subject to Section 4, limited to recovered third-party amounts.

Exhibition Booths

Custom fabrication, branding, and logistics costs are non-refundable once production has commenced. Venue floor space cancellations more than 45 days before the event may be partially recoverable subject to venue terms. Cancellations within 45 days: fully non-refundable.

Event Tickets

• Standard tickets cancelled more than 30 days before the event: reviewable, subject to a 10% administration deduction from any approved credit note value.

• Standard tickets cancelled within 30 days: non-refundable.

• VIP, Early Bird, Discounted, and Promotional tickets: non-refundable in all circumstances without exception.

• No-shows: no refund, no credit, no exception.

If SNXS cancels an event: face-value ticket refund processed within 14 business days (payment gateway processing fees excluded).

If SNXS reschedules: ticket valid for the new date; credit note election available within 7 days of rescheduling announcement.

Speaker substitutions, session changes, and programme modifications do not constitute grounds for cancellation or refund.

7. Deposits and Advance Payments

All deposits and advance payments are non-refundable unless expressly stated otherwise in a signed Service Agreement. They are applied immediately to secure supplier commitments, reserve SNXS resources, and initiate operational planning. SNXS is under no obligation to hold deposits in escrow.

8. Force Majeure

SNXS is not liable for non-performance, delays, or cancellations caused by events beyond its reasonable control, including natural disasters, pandemics, public health emergencies, government-imposed restrictions, mandatory venue closures, war, civil unrest, terrorism, digital infrastructure failures, or platform outages.

SNXS will use commercially reasonable efforts to recover supplier credits and arrange postponements on the Client's behalf, but provides no guarantee of any specific financial outcome. UAE Federal Law provisions on force majeure apply.

9. Chargebacks and Payment Disputes

Clients agree not to initiate a chargeback or payment reversal without first following the SNXS internal dispute process:

1. Submit a written complaint to legal@snxs.ae within 30 days of the relevant service date.

2. SNXS acknowledges within 3 business days and responds substantively within 10 business days.

3. If unresolved, both parties agree to good-faith mediation in Dubai before litigation.

4. All unresolved disputes are subject to the exclusive jurisdiction of the courts of the Emirate of Dubai.

A chargeback initiated in bad faith where services have been received constitutes a material breach of contract. SNXS reserves the right to pursue full recovery of the chargeback amount plus all associated bank fees and legal costs.

10. Refund Processing

Where a cash refund has been formally approved in writing by SNXS management, it will be processed within 14 to 21 business days to the original payment method and original paying entity only. Currency conversion losses, intermediary bank charges, and transfer fees are borne by the Client. Outstanding amounts owed to SNXS may be offset against any approved refund.

Section B — AML & Client Due Diligence Policy

Legal Basis: UAE Federal Decree-Law No. 20 of 2018 on AML/CFT; Cabinet Decision No. 10 of 2019 (Implementing Regulations); UAE Central Bank AML/CFT Guidelines for DNFBPs; FATF Recommendations.

Scope: Applies to SNXS as a professional services and events agency. These obligations arise from receiving commercial payments and operating in sectors with elevated financial crime risk.

1. Purpose and Compliance Officer

SNXS is committed to full compliance with all UAE and international anti-money laundering and counter-terrorism financing obligations.

Designated AML Compliance Officer: outsourced consultant

Contact: compliance@snxs.ae

UAE Financial Intelligence Unit (goAML): www.uaefiu.gov.ae

All compliance enquiries are acknowledged within 3 business days. AML-related reports and red flags are reviewed within 24 hours.

2. No Cash — AML Control Measure

SNXS does not accept or make cash payments for any service, deposit, or fee under any circumstances. This is both a commercial policy and a formal AML control measure.

All client payments must be made by:

• Bank transfer to SNXS's designated business banking account

• Corporate or personal cheque payable to SkyNet X Solutions LLC FZ

• Approved digital payment gateway as confirmed in writing by SNXS

Any request to pay in cash will be declined and will trigger an immediate compliance review and, where appropriate, a SAR assessment.

3. Approved Payment Channels

SNXS processes all client and supplier payments exclusively through regulated financial institutions and approved digital payment channels. All payment flows are recorded in SNXS's accounting system, creating a complete, tamper-evident audit trail accessible to the Compliance Officer and to authorised regulatory bodies upon lawful request.

SNXS holds corporate banking relationships with regulated UAE financial institutions only.

Cryptocurrency-related payments are not accepted for SNXS agency services. Cryptocurrency is only relevant to SNXS Creators Pad at app.snxs.ae, which operates under a separate, dedicated AML/KYC policy with full VARA-aligned compliance.

4. Restricted Jurisdictions and Sanctioned Parties

SNXS does not engage with individuals, entities, or projects associated with:

• FATF Black List jurisdictions — currently Iran, North Korea, and Myanmar. SNXS monitors FATF updates and applies new listings immediately.

• UAE Cabinet Terrorist Designation List

• UN Security Council Consolidated Sanctions List

• OFAC Specially Designated Nationals (SDN) and Blocked Persons List

• EU Consolidated Financial Sanctions List

All clients, suppliers, employees, and freelancers are screened against these lists before engagement and periodically thereafter. Any confirmed match results in immediate refusal or termination of engagement, no refund, and mandatory SAR filing with the UAE FIU.

5. When Client Due Diligence Applies

SNXS applies Client Due Diligence (CDD) before entering any engagement valued at AED 55,000 or above (approximately USD 15,000).

CDD also applies regardless of engagement value where:

• The client operates in virtual assets, cryptocurrency, DeFi, blockchain, NFTs, or other digital asset sectors.

• The client's source of funds or business purpose is unclear or inconsistent with the stated engagement.

• The transaction structure appears unusual or atypical.

• The client requests unusual payment routing without clear commercial justification.

• The client is, or is closely associated with, a Politically Exposed Person (PEP).

• The engagement involves a jurisdiction under FATF monitoring, OFAC designation, or UAE AML advisory.

• Any SNXS staff member raises a reasonable compliance concern.

6. Standard CDD — Corporate Clients (KYB)

For all corporate clients where CDD applies, the following documents must be provided and verified before contract execution:

1. Valid trade licence or certificate of incorporation (not expired).

2. Memorandum and Articles of Association or equivalent.

3. UBO declaration identifying all individuals owning or controlling 25% or more of the entity, per UAE Cabinet Resolution No. 58 of 2020, with valid government-issued photo ID for each UBO.

4. Valid government-issued photo ID for each authorised signatory.

5. Written description of business activities and the specific purpose of the engagement with SNXS.

All KYB documents are reviewed and signed off by the Compliance Officer before a contract is executed. All KYB records are retained for a minimum of 5 years from the end of the business relationship, in accordance with UAE AML law.

7. Standard CDD — Individual Clients

For individual clients where CDD applies:

1. Valid government-issued photo ID (passport, Emirates ID, or national ID card).

2. Written description of the purpose of the engagement.

3. Source of funds confirmation for individual engagements above AED 100,000.

8. Enhanced Due Diligence (EDD)

Enhanced Due Diligence is mandatory where:

• The client or any UBO is a current or former PEP, or is a close family member or known associate of a PEP.

• The client is based in or the engagement involves a FATF monitored, greylisted, or blacklisted jurisdiction.

• The engagement involves unusually large, complex, or structured payment arrangements.

• The client is a virtual asset project with limited regulatory presence or unclear regulatory status.

EDD requires all standard CDD documents, plus a source of wealth declaration and written senior management approval before contract execution.

9. Red Flags — Report to compliance@snxs.ae Immediately

Any of the following must be reported to the Compliance Officer immediately. Do not discuss with the client or any third party:

• Client requests payment be made to a third party not identified in the contract or explained by a legitimate commercial reason.

• Client requests invoices be split into smaller amounts without clear commercial justification (structuring).

• Client is unable or unwilling to identify source of funds for high-value payments.

• Client requests urgent cash or cryptocurrency payment in place of standard bank transfer.

• Client shows unusual urgency to close a transaction outside normal contracting procedures.

• Payment arrives from a jurisdiction or account inconsistent with the client's declared location or corporate structure.

• Any unsolicited offer of payment significantly above the agreed fee.

• Client's business description is vague, contradictory, or inconsistent with the scale or nature of the engagement.

• Client declines to provide required KYB or CDD documentation without a plausible explanation.

10. Suspicious Activity Reporting (SAR)

Where SNXS or any SNXS staff member forms a suspicion of money laundering, terrorist financing, or proceeds of crime:

1. The relevant payment or transaction is frozen or delayed where operationally possible.

2. The suspicion is reported immediately and exclusively to the Compliance Officer at compliance@snxs.ae.

3. The Compliance Officer files a SAR with the UAE Financial Intelligence Unit via the goAML portal (www.uaefiu.gov.ae) within the statutory timeframe.

4. All related records and documentation are preserved in full.

5. The subject of the suspicion is not informed in any way.

Tipping-Off — Criminal Offence

Informing any person that a Suspicious Activity Report has been filed, or that a suspicion of money laundering exists, is a criminal offence under Article 22 of UAE Federal Decree-Law No. 20 of 2018 and may result in personal criminal liability. Under no circumstances should any SNXS employee, contractor, or representative disclose to a subject or third party that a SAR has been filed or is under consideration.

11. Employee and Freelancer KYC

All SNXS employees and freelancers undergo identity verification via a regulated digital KYC tool prior to commencement of engagement. KYC screening covers government-issued photo ID verification, liveness and biometric check where supported, and sanctions screening against UAE, UN, OFAC, and EU lists.

KYC records are retained for the duration of engagement plus 5 years. A failed or flagged KYC check is escalated to the Compliance Officer and reviewed before any engagement proceeds.

12. Record Keeping

• CDD and KYB records: 5 years from end of business relationship (UAE AML Law mandatory minimum).

• Transaction records for all screened clients: 5 years.

• SAR filings and supporting investigation records: 5 years minimum; indefinitely where directed by a UAE authority.

• Employee and freelancer KYC records: duration of engagement plus 5 years.

All records are stored securely with restricted access and are available to UAE regulatory authorities upon lawful request.

13. Right to Refuse

SNXS reserves the right to decline any engagement, refuse any payment, or terminate any contract at any time where due diligence is unsatisfactory, a client refuses to provide required KYB documentation, a sanctions match is identified, or any compliance or ethical concern arises. SNXS has no obligation to provide reasons for refusal in these circumstances.

Declined engagements are recorded internally by the Compliance Officer. Where a refusal is AML-related, the Compliance Officer assesses whether a SAR is required. The declined party is not informed of any AML basis for refusal.

Contact

Cancellation requests: legal@snxs.ae (written, email only)

Compliance and AML: compliance@snxs.ae

General: contact@snxs.ae

SkyNet X Solutions LLC FZ · Meydan Free Zone · Dubai, UAE · Licence No. 2531132.01 · www.snxs.ae

All policies incorporated by reference into every SNXS contract.