These Terms and Conditions (“Terms”) govern your access to and use of the website www.alterna.me (the “Website”), owned and operated by Alterna Service Provider L.L.C. (“Alterna”, “Company”, “we”, “us”, or “our”), a company incorporated in the United Arab Emirates.

By accessing or using this Website, you confirm that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must immediately discontinue use of the Website.

1. Purpose of the Website and Services

The Website is intended to provide general information about Alterna, its business activities, and its financial technology solutions, including Peydey and Bizpey.

Peydey is a short-term consumer financing solution intended for eligible salaried individuals in the United Arab Emirates, providing access to short-term funds subject to eligibility checks, credit assessment, verification processes, and internal approvals.

Bizpey is a financing solution for small and medium-sized enterprises (SMEs) designed to facilitate access to working capital by enabling businesses to unlock liquidity tied up in outstanding invoices, subject to due diligence, invoice verification, counterparty assessment, and execution of legally binding agreements. Information provided on the Website is for informational purposes only and does not constitute financial advice, a binding offer, or a commitment to provide financing or services of any kind. All financing arrangements, if any, are governed by separate agreements and applicable regulatory requirements.

2. Use of the Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You must not misuse the Website, interfere with its operation, attempt unauthorized access, or engage in any activity that may harm Alterna, its systems, or other users.

Alterna reserves the right to suspend, restrict, or terminate access to the Website at its sole discretion without prior notice.

3. No Professional Advice

Nothing contained on this Website shall be construed as legal, financial, investment, or professional advice. Users are advised to seek independent professional advice before relying on any information provided on the Website.

4. Intellectual Property

All content available on the Website, including but not limited to text, trademarks, logos, designs, graphics, layout, and software, is the exclusive property of Alterna Service Provider L.L.C. or its licensors and is protected by applicable intellectual property laws. No content may be reproduced, copied, modified, distributed, or used for commercial purposes without prior written consent from Alterna.

5. Disclaimer of Warranties

The Website and all content are provided on an “as is” and “as available” basis. Alterna makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, availability, or suitability of the Website or its content.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Alterna shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of, or inability to use, the Website or reliance on any information contained therein.

7. Third Party Links

To the maximum extent permitted by applicable law, Alterna shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of, or inability to use, the Website or reliance on any information contained therein.

8. Privacy

Your use of the Website is subject to Alterna’s Privacy Policy, which governs the collection, use, and protection of personal data in accordance with applicable UAE laws.

9. Amendments

Alterna reserves the right to amend or update these Terms at any time without prior notice. Any changes shall become effective immediately upon publication on the Website. Continued use of the Website constitutes acceptance of the revised Terms.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, and the courts of the UAE shall have exclusive jurisdiction over any disputes arising from or related to these Terms or the use of the Website.

11. Contact Information

For any questions regarding these Terms and Conditions, please contact Alterna with the following details:

• Phone: +971 52 709 9782
• Website: www.alterna.me
• Email: info@alterna.me
• Address: 1st Floor, Building 5, Dubai Outsource City, Dubai, UAE

For any questions regarding these Terms and Conditions, please contact Alterna through the official contact details provided on www.alterna.me.