Terms of Service

1. Acceptance of Terms

By accessing or using the CMS Holoul website (cmsholoul.com) and our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

These terms apply to all visitors, users, clients, and any other parties who access or use our website and services. CMS Holoul reserves the right to update or modify these terms at any time without prior notice.

2. Our Services

CMS Holoul provides credit management, debt collection, business process outsourcing (BPO), workforce outsourcing, digital transformation, healthcare revenue cycle management, and marketing services across the MENA region.

All services are delivered in compliance with applicable laws and regulations, including those set by the Central Bank of the UAE (CBUAE), and relevant regulatory bodies in our countries of operation (Egypt, Jordan, Lebanon, and India).

Service agreements between CMS Holoul and its clients are governed by separate contractual terms. These Terms of Service govern your use of this website and any interactions through it.

3. Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the site. Prohibited activities include but are not limited to:

• Attempting to gain unauthorized access to any part of the website, its servers, or any connected systems
• Using automated systems (bots, scrapers, crawlers) to collect data from the website without written permission
• Uploading or transmitting malicious code, viruses, or harmful content
• Impersonating CMS Holoul, its employees, or any other person or entity
• Using the website for any fraudulent or misleading purpose

4. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, icons, and software, is the property of CMS Holoul or its content suppliers and is protected by UAE and international copyright, trademark, and other intellectual property laws.

The CMS Holoul name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of CMS Holoul. You may not use such marks without the prior written permission of CMS Holoul.

5. Confidentiality

CMS Holoul takes confidentiality seriously. All client information, debtor data, and business information shared with us in the course of our services is treated as strictly confidential and is handled in accordance with our Privacy Policy and applicable data protection regulations.

Any information submitted through this website (including contact forms, career applications, and enquiries) will be used solely for the purpose for which it was provided and will not be disclosed to third parties without consent, except as required by law.

6. Limitation of Liability

CMS Holoul provides this website and its content on an "as is" and "as available" basis. While we strive to keep the information accurate and up-to-date, we make no warranties or representations about the completeness, accuracy, reliability, or suitability of the website or its content.

To the fullest extent permitted by law, CMS Holoul shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or our services.

Nothing in these terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under applicable law.

7. Indemnification

You agree to indemnify, defend, and hold harmless CMS Holoul, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from your use of the website, your breach of these terms, or your violation of any applicable law or third-party rights.

8. Governing Law & Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Ajman, UAE.

For clients and users in other countries where CMS Holoul operates (Egypt, Jordan, Lebanon, India), local laws may apply to the extent required by the applicable jurisdiction.

9. Changes to These Terms

CMS Holoul reserves the right to modify or replace these Terms of Service at any time. Material changes will be reflected by updating the "Last updated" date at the top of this page. Your continued use of the website following any changes constitutes acceptance of the revised terms.

10. Contact Us