Terms of Service

DFA publishes impersonal, general-purpose model portfolio allocations for educational and informational purposes only. The content available on this Platform, including but not limited to model allocations, research commentary, portfolio analytics, and performance data, does not constitute investment advice, financial advice, trading advice, or any other form of personalised recommendation.

DFA is not registered as an investment adviser with the U.S. Securities and Exchange Commission ("SEC"), the Dubai Financial Services Authority ("DFSA"), or any other regulatory body. We do not manage client assets, execute trades on behalf of users, provide personalised investment advice, or act in a fiduciary capacity with respect to any user of the Platform.

The model allocations published on this Platform are general-circulation publications of regular and normal scope, made available to all subscribers on the same basis and at the same time. As such, they qualify for the publisher's exclusion from the definition of "investment adviser" under Section 202(a)(11) of the U.S. Investment Advisers Act of 1940.

You should consult a qualified and appropriately licensed financial advisor, tax professional, or legal counsel before making any investment decisions. DFA does not know your individual financial situation, investment objectives, risk tolerance, or liquidity needs, and the information provided on this Platform should not be relied upon as a substitute for professional advice tailored to your personal circumstances.

To the fullest extent permitted by applicable law, DFA, its officers, directors, employees, agents, affiliates, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, goodwill, data, or other intangible losses, arising out of or in connection with:

• Your access to, use of, or inability to use the Platform;
• Any reliance placed on model allocations, research, analytics, or other content published on the Platform;
• Any investment decisions, trades, or financial actions you take or refrain from taking based on information available through the Platform;
• Unauthorised access to or alteration of your data or transmissions;
• Any interruption, suspension, or termination of the Platform or any part thereof.

This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if DFA has been advised of the possibility of such damages.

In no event shall the total aggregate liability of DFA for all claims arising out of or relating to these Terms or your use of the Platform exceed the total amount you have paid to DFA for access to the Platform during the twelve (12) months immediately preceding the event giving rise to the claim. If you have not made any payments, our total liability shall not exceed ten euros (€10.00).

THE PLATFORM AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED THEREON ARE MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

To the fullest extent permitted by applicable law, DFA expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. DFA makes no warranty or representation that:

• The content published on the Platform is accurate, complete, reliable, current, or free from errors;
• The Platform will be available on an uninterrupted, timely, secure, or error-free basis;
• Any defects or errors in the Platform will be corrected;
• The results obtained from the use of the Platform will be accurate, reliable, or meet your expectations or requirements.

All performance data, backtested results, and hypothetical portfolio returns presented on the Platform are for illustrative and educational purposes only. Past performance, whether actual or hypothetical, is not indicative of future results. Hypothetical and backtested performance has inherent limitations: it is prepared with the benefit of hindsight, does not reflect actual trading, does not account for all transaction costs or market impact, and may not account for all material economic and market factors. Actual results may differ materially.

The Platform offers a free tier with limited access to model allocations, research content, and portfolio analytics. Enhanced access is available through a Pro subscription at the following rates:

• Monthly: €19.99 per month
• Annual: €199.00 per year

Subscriptions are automatically renewed at the end of each billing period (monthly or annual, as applicable) unless you cancel prior to the renewal date. You may cancel your subscription at any time through your account dashboard or via the Stripe customer portal. Cancellation will take effect at the end of the current billing period, and you will retain access to Pro features until that date.

No refunds or credits will be issued for partial billing periods, unused time, or any subscription fees already charged. DFA reserves the right to modify subscription pricing upon thirty (30) days' prior written notice. Continued use of the Platform after a pricing change takes effect constitutes acceptance of the new pricing. All payments are processed securely through Stripe and are subject to Stripe's terms of service.

All content, materials, and intellectual property available on the Platform, including but not limited to model portfolio allocations, research commentary, methodology descriptions, portfolio analytics, performance data, design elements, trademarks, logos, graphics, software, and source code, are owned by or licensed to DFA and are protected by applicable intellectual property laws, including copyright, trademark, and trade secret laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform and its content for your personal, non-commercial purposes only. This licence does not include the right to:

• Scrape, crawl, harvest, or otherwise extract content from the Platform through automated means;
• Republish, redistribute, sublicense, sell, or otherwise make available any content from the Platform to third parties;
• Create derivative works based on the Platform's content, methodology, or model allocations;
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices.

Any use of the Platform's content beyond the scope of this licence requires prior written permission from DFA. Requests may be directed to info@desertfrontieradvisors.com.

By creating an account and using the Platform, you agree to the following:

• Your account is for your personal use only. You shall not share your login credentials, access tokens, or account access with any third party.
• You shall not redistribute, forward, publish, or otherwise share Pro-tier content, model allocations, or analytics with individuals or entities who do not hold a valid Pro subscription.
• You shall not reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or proprietary methodology underlying the Platform.
• You shall not use bots, scripts, scrapers, or other automated tools to access, download, or interact with the Platform without prior written authorisation from DFA.
• You shall not misrepresent your affiliation with DFA, or present the Platform's content as your own proprietary research or analysis.
• You shall not use the Platform for any unlawful purpose or in violation of any applicable local, national, or international law or regulation.

DFA reserves the right to suspend or terminate your account, without notice or refund, if we reasonably determine that you have violated any of these Terms. We may also pursue any available legal remedies.

You agree to indemnify, defend, and hold harmless DFA, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or relating to:

• Your violation or breach of any provision of these Terms;
• Your use of or reliance on any content, model allocations, or information available through the Platform;
• Any investment decisions, trades, or financial actions you take or refrain from taking in connection with the Platform;
• Your violation of any applicable law, regulation, or third-party right;
• Any dispute between you and a third party arising from your use of the Platform.

This indemnification obligation shall survive the termination of your account and these Terms.

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre ("DIFC"), without regard to conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be settled by arbitration administered under the DIFC-LCIA Arbitration Rules in force at the time of filing. The seat of arbitration shall be Dubai, United Arab Emirates. The tribunal shall consist of a sole arbitrator. The language of the arbitration shall be English.

Each party shall bear its own costs and expenses in connection with the arbitration, unless the arbitrator determines that the circumstances warrant a different allocation of costs. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, DFA retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of DFA's intellectual property rights or confidential information.

Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

Entire Agreement. These Terms, together with our Privacy Policy and any other legal notices or agreements published on the Platform, constitute the entire agreement between you and DFA with respect to your use of the Platform and supersede all prior or contemporaneous communications, representations, and agreements, whether oral or written.

Waiver. The failure of DFA to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any provision shall be effective only if made in writing and signed by an authorised representative of DFA.

Assignment. You may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of DFA. DFA may assign these Terms without restriction. Any purported assignment in violation of this section shall be null and void.

Notices. All legal notices, requests, and communications relating to these Terms should be sent to info@desertfrontieradvisors.com. We may provide notices to you via the email address associated with your account or through the Platform.