Sav Technologies Limited

Sav Technologies Limited (“Sav”) (F009281) is regulated by the Dubai Financial Services Authority
(“DFSA”) and holds a Category 4 license for advising on financial products, arranging deals in
investments, advising or arranging on money services, and arranging credit and advising on credit with a
Retail Client Endorsement. Sav is registered in Dubai International Financial Centre (“DIFC”) (5474) with
registered address at Unit IH-00-01-02-OF-01 Level 2, IH-00-01-CP-05, DIFC, Dubai, United Arab Emirates.
Sav Technologies Limited is a wholly owned subsidiary of Sav Technologies Inc., with its registered
address at 1007 North Orange St., 4th Floor, Wilmington, New Castle, Delaware, USA.

Important Information

The information on this website is general in nature and should not be considered as financial advice, as
it does not take into account your financial objectives or personal circumstances. You should conduct
your own due diligence before making any financial decision, and your investment strategy should align
with your risk profile and goals. Unless you are our registered Client utilizing our investment advisory
services, if you are unsure about the suitability of an investment, please seek professional advice before
proceeding. Certain products and services may not be legally available to residents of specific countries
and jurisdictions.
Data shared from third parties is obtained from sources considered reliable but cannot be guaranteed.
This website may contain links to external websites or resources (“Third-Party Links”) provided for
convenience and informational purposes only. Such Third-Party Links do not signify endorsement,
approval, or responsibility by us for the content, accuracy, or practices of these linked sites.
Past performance is no guarantee of future results. Historical returns, expected returns, and probability
projections are provided for informational and illustrative purposes only and may not reflect actual
future performance. All financial decisions involve risk, including the potential loss of invested money.
Sav may provide information or tools to assist clients in engaging with financial products, including those
classified as Sharia-compliant by third-party providers. However, interpretations of Sharia compliance
may vary. Sav does not provide advice on Sharia-related matters, engage a Sharia advisor, or guarantee
the Sharia compliance of any financial products.
Sav is not authorized to advise on Islamic Financial Business or operate as an Islamic Financial Institution.
Clients seeking Sharia-related financial guidance should consult a qualified Sharia advisor independently.

Product Disclosures

Sav Investments allows you to invest in US stocks, ETFs, and curated portfolios offered by licensed third
party providers through the Sav App. Sav works with a Licensed Third Party Provider, Alpaca Securities
LLC which is a US-based broker-dealer registered with the SEC and a member of FINRA, to execute and
clear transactions and offer customer accounts. Sav also provides added insights on stocks which may
utilize AI- these insights are factual in nature and shall not be relied upon as a recommendation to buy,
sell, or hold any security.
Sav Gold allows you to purchase precious metals (gold and silver investment bars and coins) from
Emirates Gold DMCC through their product listing maintained on the Sav App. All purchases of precious
metals will be directly between Emirates Gold and you. Sav acts only as a technology enabler and has no
involvement in the sale or custody of precious metals.
The Sav Card is issued by NymCard Payment Services LLC, pursuant to a license by Visa. Visa is a
registered trademark of Visa Inc. NymCard Payment Services LLC arranges and provides the Sav Card and
is a regulated entity by the Central Bank of the UAE, holding a Category II License reference
08.01.02.001.2022.02 under the Retail Payment Services and Card Schemes Regulation.
Sav MyMoney utilizes the services of Lean Technologies for purposes including but not limited to
account verification, account initiation services, and payment initiation services. Lean Technologies is
authorized and regulated by the Financial Services Regulatory Authority (“FRSA”) to provide Third Party
Services under FSP no. 2000033.
Sav Gift Cards Store allows you to purchase Gift Cards from multiple brands through Sav’s platform,
where Sav acts as a technology facilitator between you and the Brand and/or Brand Partners facilitating
such transactions on Brand’s behalf. Sav is not responsible

Financial Promotions

All information, opinions, and commentary on this website are issued by Sav unless otherwise stated.
Any material on this website that constitutes a financial promotion is issued by Sav and is intended only
for jurisdictions where it is authorized to provide services. It does not constitute an offer or solicitation
to provide services in jurisdictions where it is not permitted to do so.

Marketing, Blogs, and Knowledge Tools

Any opinions, news, research, analysis, prices, or other information contained on our services, marketing
collateral, or emailed to you, are provided as general market commentary or to provide general insights
on topics of interest, and do not constitute financial advice.
Sav makes no representations or warranties with respect to the accuracy or completeness of the
information provided. Users acknowledge and assume full responsibility for the use of the information
provided. Sav will not accept liability for any loss or damage, including, without limitation, for any loss of
profit which may arise directly or indirectly from use of or reliance on such information. Each decision as
to whether an investment or financial decision is appropriate or proper is an independent decision by
you. You agree that Sav has no fiduciary duty to you and is not responsible for any liabilities, claims,
damages, costs and expenses, including attorneys’ fees, incurred in connection with you following Sav’s
generic financial information.

Use of AI

The Platform may contain content or recommendations generated by AI or other automated
technologies. Such content is provided for informational purposes only and should not be relied upon for
any specific purpose without verification of its accuracy or completeness. Sav cannot guarantee the
accuracy of any AI-generated content and disclaims any and all liability for any errors or omissions in the
content produced by AI technology. Users should exercise caution and seek expert advice when making
decisions based on AI-generated content.

Application of the Disclaimer Notice

Application of the Disclaimer Notice

Please carefully review and understand this Disclaimer Notice (“Notice”). If you do not agree with any
aspect of this Notice, we recommend that you refrain from using our website, App or services. This
Notice provides information on our regulatory framework and authorizations. Your continued use of our
website/services signifies your acceptance of the terms outlined in this Notice.

Changes to this Notice

Sav reserves the right to modify, update, or remove any part of this Notice at any time without prior
notice. It is your responsibility to review this Notice periodically for any changes.