Terms and Conditions

Effective Date: 20-Apr-2026

Welcome to the eCommerce platform operated by Univest Business Machines LLC ("UBM", "we", "our", or "us"). By accessing or using this website, you agree to be bound by the following Terms and Conditions.

If you do not agree, please do not use this website.

1. Nature of Platform

UBM provides an online platform for browsing and placing orders for products.

UBM acts solely as a technology and listing platform and does not act as:

• A payment processor

• A logistics or delivery provider

• A financial intermediary

2. Payment & Shipping Responsibility

All payments, shipping, delivery, and related financial transactions are handled exclusively by the Ministry of Finance, United Arab Emirates.

UBM:

• Does not collect or process payments

• Does not store payment information

• Does not control delivery timelines or execution

By placing an order, you acknowledge and agree that:

• Payment obligations are between you and the Ministry of Finance

• Delivery obligations are managed by the Ministry of Finance

3. User Eligibility

You must:

• Be at least 18 years of age

• Provide accurate and complete information

• Use the platform in compliance with UAE laws

4. Account Responsibility

Users are responsible for:

• Maintaining account confidentiality

• All activities under their account

UBM shall not be liable for unauthorized account usage.

5. Product Information

UBM strives to ensure accuracy of:

• Product descriptions

• Specifications

• Pricing (display only)

However:

• Errors may occur

• UBM does not guarantee completeness or accuracy

UBM reserves the right to:

• Modify product information without notice

• Cancel orders in case of errors

6. Order Acceptance & Cancellation

Orders placed through the platform are subject to:

• Validation by relevant authorities

• Acceptance by the Ministry of Finance

UBM reserves the right to:

• Cancel or reject orders

• Limit quantities

7. Pricing Disclaimer

All prices displayed are indicative.

Final pricing, billing, and payment processing are controlled by the Ministry of Finance, UAE.

UBM shall not be responsible for:

• Pricing discrepancies

• Billing errors

8. Returns, Refunds & Exchanges

All returns, refunds, and exchanges are governed and processed by the Ministry of Finance, UAE.

UBM:

• Does not handle refund processing

• Is not responsible for rejected claims

• Has no control over refund timelines

9. Limitation of Liability

To the maximum extent permitted by law, UBM shall not be liable for:

• Payment failures or disputes

• Delivery delays or failures

• Product damage during transit

• Refund or return disputes

• Indirect or consequential damages

UBM’s role is limited to providing access to the platform.

10. Third-Party Responsibility

The Ministry of Finance acts as the responsible authority for:

• Payment processing

• Order fulfillment

• Logistics and delivery

• Refunds and financial settlements

UBM shall not be liable for any acts, omissions, or failures of such third parties.

11. Intellectual Property

All website content including:

• Text

• Graphics

• Logos

• Software

is the property of UBM or its licensors and is protected by applicable laws.

12. Prohibited Activities

Users shall not:

• Use the platform for unlawful purposes

• Attempt unauthorized access

• Interfere with platform functionality

• Misuse data or content

13. Suspension & Termination

UBM reserves the right to:

• Suspend or terminate user accounts

• Restrict access without prior notice

14. Indemnification

Users agree to indemnify and hold harmless UBM from:

• Claims arising from misuse of the platform

• Violations of these Terms

• Legal disputes involving payment or delivery

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates.

16. Dispute Resolution

Any disputes shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

17. Amendments

UBM reserves the right to update these Terms at any time. Continued use of the platform constitutes acceptance of updated Terms.

18. Contact Information

For queries related to platform usage:

Email: info@ubm.ae
Address: Abu Dhabi, United Arab Emirates

For payment, delivery, or refund-related issues, users must contact the Ministry of Finance, UAE through their official channels.