Tameh Terms of Use
1. Introduction
Welcome to Tameh (the “Website”). By accessing or using this Website, you agree to be bound
by these Terms of Use, as well as our Privacy Policy and any other applicable policies or
guidelines. If you do not agree with any of these terms, please refrain from using the Website
immediately. The Website is operated by Tameh (“Tameh”, “we”, or “us”), a company duly
incorporated under the laws of the Arab Republic of Egypt (in accordance with Egyptian
Companies Law No. 159 of 1981). Our principal office is located in Cairo, Egypt. We reserve the
right to modify or amend these Terms of Use, the content on our site, or any features of our services
at any time for reasons such as legal compliance, security needs, or to reflect updates to our
platform. Changes will become effective immediately upon being posted on the Website, and your
continued use of the Website after changes are posted constitutes your acceptance of the revised
Terms. We encourage you to review these Terms periodically to stay informed of any updates.
2. Account Registration and User Responsibilities
To use the Tameh platform’s features (such as investing in fractional real estate), you must create
an account. When registering, you agree to provide accurate, current, and complete information
about yourself, including your name, email address, and any other required details. You will be
asked to create a unique username and password, and you may be required to upload a copy of
your national ID for identity verification purposes. Additional information may be requested
depending on whether you are registering as an individual investor or as a seller listing a property.
For example, to comply with Anti–Money Laundering (AML) laws and Know-Your-Customer
(KYC) requirements, we may ask for proof of identity and proof of address (or similar
documentation for company directors, partners, or authorized representatives if you register on
behalf of a business). Approval of account registrations (including the right to invest or list
properties) is at Tameh’s sole discretion.
Account Security
Your account login credentials (username and password) are personal to you
and must not be shared or transferred to any other person. You are fully responsible for all activities
that occur under your account. Accordingly, you must maintain the confidentiality of your
username and password and use appropriate security measures to prevent unauthorized access. If
you suspect that your login credentials have been disclosed, lost, stolen, or compromised in any
way, you must notify us immediately at ………………………………… so that we can take
appropriate security measures. You agree not to sell, transfer, or allow any third party to use your
account. If you authorize an employee, agent, or subcontractor to use your account (which we
generally discourage), you understand that you are responsible for their actions on the Website.
We reserve the right to suspend or refuse to execute any instructions on your account if we suspect
the account is being used by someone who is not you, or if we suspect any fraudulent, illegal, or
unauthorized use of the account.
By registering an account, you represent and warrant that all information you provide to us is
truthful, accurate, and up-to-date, and you agree to update such information as needed to keep it
accurate. Please refer to our Privacy Policy for details on how we handle the personal data you
provide.
3. Eligibility
The services offered on Tameh are intended only for users who are at least 18 years old. By using
the Website, you confirm that you are 18 years of age or older, which is the age of legal majority
for entering into binding agreements under Egyptian law. We do not permit use of the platform by
minors. By accessing or using the Website, you also affirm that you have the legal capacity to enter
into a contract and are not barred from doing so by any laws (including any applicable sanctions
or court orders). You further represent that you have the necessary experience and understanding
of the risks to use this real estate investment platform and to be bound by these Terms.
During registration (and periodically thereafter), you may need to provide additional details and
documentation to verify your identity or eligibility. This can include personal or corporate
documents, identification numbers, proof of address, and any information needed to satisfy
regulatory requirements such as AML/KYC checks. We comply with our obligations under
applicable law by collecting this information, and we appreciate your cooperation in providing
accurate documentation. If at any point we discover that you are under 18 or otherwise ineligible,
we reserve the right to suspend or terminate your account immediately.
4. Limitation of Liability and Indemnity
By using our website, you expressly acknowledge and agree that you do so at your own risk. Tameh
and its affiliates, officers, employees, agents, partners, suppliers, and licensors shall not be liable
for any damages or losses arising out of or in connection with your use of the Website, except to
the extent such liability cannot be lawfully excluded. In particular, and to the fullest extent
permitted by law, Tameh will not be liable for any of the following:
Errors or Service Interruptions
Any inaccuracy, error, omission, interruption, delay, or
technical issue on the Website, regardless of cause, and any damages resulting from such
issues. We do not guarantee that the Website will be available at all times or free from
errors (see also Section 10 on Availability).
Decisions You Make
Any decisions made or actions taken (or not taken) by you in
reliance on the information or content provided on our website. You are solely responsible
for your investment and other decisions; the content on our site is provided for general
information only and is not intended as individualized advice.
Indirect or Consequential Damages
Any indirect, incidental, consequential, special,
punitive, exemplary, or similar damages, including but not limited to lost profits, lost data,
business interruption, or loss of goodwill, even if we have been advised of the possibility
of such damages. This limitation applies regardless of the legal theory (contract, tort,
statute, etc.) and even if a remedy fails of its essential purpose.
Content Usage or Viruses
Any loss or injury resulting from your use of any content
obtained through the Website, or from any damage caused by viruses or other
technologically harmful material that may infect your devices due to your use of our site
or downloading of content from our site or from websites linked to it. We take reasonable
precautions against malware, but we cannot guarantee the site is free of such harmful
elements.
Uncontrollable Events
Any loss or damage that is beyond our reasonable control,
including but not limited to acts of God, war, terrorism, civil unrest, natural disasters,
interruptions in utility or communications services, or actions of third parties (collectively,
“Force Majeure” events).
Nothing in these Terms of Use is intended to exclude or limit any liability which cannot be
excluded or limited under applicable law, including (for example) liability for death or personal
injury directly caused by our gross negligence or willful misconduct, or liability for our fraud or
fraudulent misrepresentation. All otherwise permissible exclusions and limitations shall apply to
the maximum extent allowed under Egyptian law.
You agree to indemnify and hold Tameh harmless from and against any and all losses, damages,
liabilities, claims, judgments, costs, and expenses (including reasonable attorneys’ fees) that we
incur arising out of or in connection with: (a) your use of the Website; (b) your breach or violation
of these Terms of Use; or (c) your violation of any applicable law or regulation or of any rights of
another person or entity. This means that if a third party makes a claim against Tameh due to your
conduct, content, or usage of our platform, you will defend and reimburse us for our losses. In
particular, if you use our site in an unlawful, unauthorized, or malicious manner, you agree to
indemnify us for any resulting harm, including harm to other users or third parties, to the fullest
extent permitted by law.
5. User Conduct and Prohibited Activities
You agree to use the Tameh platform only for lawful purposes and in accordance with these Terms.
You are strictly prohibited from engaging in any behavior that is illegal, infringes on others’ rights,
or interferes with the proper operation of our website. Without limitation, you agree that you will
NOT do any of the following while using Tameh or any services or content provided on the
platform:
Violate Laws or Regulations
Use the Website in any manner that violates any applicable
law or regulation, whether local, national, or international. This includes, but is not limited
to, securities laws, anti-money laundering laws, consumer protection laws, data protection
laws, and any regulations issued by Egypt’s Financial Regulatory Authority (if applicable)
or other authorities.
Unlawful or Fraudulent Purpose
Use the Website for any unlawful, fraudulent, or
malicious purpose, or engage in any activity that exploits or harms (or attempts to harm)
minors or any other person in any way. You may not use Tameh to perpetrate fraud, identity
theft, money laundering, or any other crime.
Inappropriate Content
Upload, post, transmit, or otherwise make available any content
that does not comply with our content standards and policies. In particular, you must not
provide or share any content through the Website that is false, misleading, or fraudulent, or
content that is likely to cause confusion or deceive others. You also agree not to post or
distribute any content that is unlawful, defamatory, libelous, harassing or hateful toward a
group (including based on religion, gender, sexual orientation, race, ethnicity, age, or
disability), invasive of another’s privacy, offensive or objectionable (including profanity
or pornography), obscene or indecent, or that infringes any person’s intellectual property
or other rights.
Spam and Unsolicited Communications
Transmit or facilitate the sending of any
unsolicited or unauthorized advertising or promotional material (such as junk mail, chain
letters, spam, or pyramid schemes). The use of the platform for commercial advertisements
or solicitations without our prior written consent is strictly prohibited.
Harmful Code
Knowingly upload or transmit any data, file, or software that contains
viruses, Trojan horses, worms, time bombs, keystroke loggers, spyware, adware, or any
other harmful or malicious code designed to adversely affect the operation of any computer
software, hardware, or telecommunications equipment. You must not attempt to infect the
Website or users’ devices, or otherwise compromise the security or integrity of the
platform.
Disruption of Services
Take any action that could damage, disable, overburden, or impair
our servers or the networks connected to our servers. This includes any form of denial-of-
service attack, interference with the normal functioning of the Website, or making
excessive requests that impose an unreasonable load on our infrastructure.
Interference with Others
Interfere with or disrupt any other user’s ability to use and
enjoy the Website, or engage in any conduct that restricts or inhibits anyone else from using
the platform in accordance with these Terms. You also agree not to harass, stalk, or harm
another person using our service.
Unauthorized Access
Attempt to gain unauthorized access to any portion or feature of the
Website, any other accounts, computer systems, or networks connected to the Website, or
to any of the services or data offered on or through the Website, by hacking, password
“mining” or any other illegitimate means. Likewise, you must not probe, scan, or test the
vulnerability of the Website or any network connected to it, nor breach the security or
authentication measures on the Website.
Automated Use/Scraping
Use any automated means or processes (including robots,
spiders, scrapers, or any other data-mining tools) to access, query, or copy the Website or
its content without our prior written permission. The caching of the Website in a browser
or the automated indexing by search engines is permitted as it’s incidental to ordinary web
use, but any systematic or commercial use of bots or scripts on our site is forbidden.
Impersonation and False Information
Impersonate any person or entity (including a
Tameh representative or another user), or falsely state or misrepresent your affiliation with
any person or entity. You must not use someone else’s identity, account, or personal data
on the platform without authorization. Additionally, providing false, misleading, or
incomplete information during registration or in your communications with us is
prohibited.
Other Unacceptable Conduct
Engage in any other conduct that we, in our sole
discretion, consider contrary to the spirit of the platform or that could damage our
reputation or goodwill. This includes attempting to bypass or circumvent any security
features or content filtering tools we may use, or encouraging or assisting any third party
in doing any of the activities prohibited by these Terms.
If you engage in any of the above prohibited behaviors (or any other behavior that we deem
inappropriate or unlawful), we may take any enforcement action that we consider appropriate. This
may include removing or modifying any offending content, issuing warnings, suspending or
terminating your account (see Section 8), and/or reporting you to law enforcement or regulatory
authorities if your conduct violates the law. You acknowledge that we have the right to fully
cooperate with law enforcement and other authorities in investigating suspected illegal activity on
the platform.
6. Fees and Charges
Use of the Tameh platform for real estate investments may be subject to certain fees and charges.
By using the platform and engaging in transactions, you agree to pay all applicable fees and
charges, which will be clearly disclosed to you before you complete any investment or transaction.
The types of fees and charges that may apply include (but are not limited to) the following:
Investment Entry Fees
We may charge a one-time fee when you make an investment
(buy a fractional share of a property) on our platform. This fee covers the processing of
your transaction and onboarding to the investment. The amount of any entry fee will be
disclosed upfront before you confirm your investment payment.
Transaction Fees
Certain transactions, such as buying or selling your fractional
ownership units on a secondary market (if such feature is available), might incur
transaction fees. Any such fee, and the circumstances in which it applies, will be
communicated to you prior to executing the transaction.
Brokerage or Commission Fees
We may charge a commission on real estate share
transactions facilitated through our platform. For example, if you purchase or sell a
fractional share, a commission (either a percentage of the transaction value or a flat fee)
may be applied to the transaction. The specific rate or amount will be disclosed to you in
advance.
Penalty Charges
If certain conditions or obligations are not met, penalty fees may apply.
For instance
(a) If you attempt to cancel or return your investment share within a specified
minimum holding period, a penalty or early exit fee may be charged; (b) If you are paying
for an investment in installments and you delay or default on a scheduled payment, a late
payment fee or penalty may be imposed. Any such penalties, including the amounts and
conditions triggering them, will be clearly outlined (for example, in the specific property
offering terms or payment schedule).
Management Fees
We (or the property managing entity) may charge ongoing
management fees related to your investment. These fees cover the costs of managing the
property asset (e.g., property management, maintenance, administration of rental income,
etc.) and are typically calculated as a percentage of your investment’s value or as otherwise
described in the offering. If a management fee applies, it will be disclosed either in the
property’s details or the investment agreement.
Currency Conversion Fees
If you deposit or invest funds in a currency different from the
currency in which the investment is denominated (e.g., investing with USD while the
platform operates in EGP), a currency conversion fee or exchange rate spread may apply.
This fee compensates for the cost of converting currencies and will either be built into the
exchange rate offered or stated explicitly at the time of transaction.
Taxes
You are responsible for any taxes, duties, governmental fees, or other similar
charges that may be imposed on your investments or transactions by any taxing authority.
For example, if there are stamp duties, withholding taxes on dividends/rental income, or
capital gains taxes on sale of your share, those are your responsibility (though we may
facilitate collection or reporting as required by law). We will comply with any tax
withholding or reporting obligations as required by Egyptian law, but ultimate liability for
taxes on your earnings or transactions rests with you.
Future Services or Features
We reserve the right to introduce new services or features
on the platform that may come with additional fees or charges. Whenever we introduce a
new fee or change an existing fee, we will provide clear notice to users. Any new fees will
not retroactively affect transactions that have already been completed; they will apply
prospectively to new transactions or uses after the effective date of the change.
Review of Fees
All current fees and charges will be made available to you (either via a schedule
of fees on our website or during the transaction flow). Please carefully review all fees and charges
before confirming any transaction or investment. By proceeding with a transaction, you indicate
your agreement to the fees associated with it. We may update our fees from time to time, and we
will notify users of any fee changes in advance (for example, via the Website, email, or in-app
notification). If you continue to use the platform or maintain investments after a fee change, that
will constitute acceptance of the new fees. If you do not agree to any updated fees, you may
discontinue use of the affected service or close your account before the changes take effect.
7. Intellectual Property Rights
All content, features, and materials available on the Tameh.co Website – including but not limited
to text, logos, graphics, photographs, images, illustrations, video clips, audio clips, software, code,
design, and overall look-and-feel of the site – are protected by intellectual property laws and are
owned by or licensed to Tameh. We respect intellectual property rights and expect our users to do
the same. The following terms outline our and your rights regarding intellectual property on the
platform:
Copyright
The Website and its original content are subject to copyright protection under
Egyptian and international copyright laws. Tameh (or its content suppliers, where
applicable) owns the copyright in all original content and compilations on the site. This
means that without our prior written permission, you may not copy, reproduce, distribute,
publicly display, publicly perform, publish, upload, transmit, modify, create derivative
works from, or otherwise exploit any content from our site, except as allowed under these
Terms or by law (such as fair use or other exceptions). You may, of course, browse the site
and view content for your personal, non-commercial use. Any unauthorized use of the site’s
content may violate copyright laws and these Terms of Use.
Trademarks
All trademarks, service marks, and trade names displayed on the Website are
the property of Tameh or their respective owners. This includes the Tameh name and logo,
as well as any other branding or logos displayed on the platform. The Tameh name and
logo are protected by trademark law. You are not permitted to use any trademarks found on
the site (such as the Tameh logo or name) without the prior written consent of Tameh.
Unauthorized use of our trademarks, including in metatags or advertising, is strictly
prohibited.
Patents
If any proprietary technologies, features, or processes used in the Tameh platform
are patented or the subject of patent applications, those are the exclusive property of Tameh
(or its licensors). You are not granted any license to use or exploit any of our patented
technology. Any attempt to reverse engineer, reproduce, or use our patented innovations
without authorization is prohibited.
Trade Secrets and Confidential Information
The platform may embody certain trade
secrets or confidential information of Tameh, such as algorithms, formulas, business
processes, or other non-public know-how. You agree not to access or attempt to discover
any such trade secrets. Any unauthorized attempt to obtain or use Tameh’s confidential
business information (for example, by scraping data not publicly provided, or by violating
access restrictions) is prohibited.
Design and Look-and-Feel
The design, layout, user interface, and user experience
(UI/UX) of the Tameh Website are protected by intellectual property and unfair
competition laws. This includes color combinations, button shapes, page layouts, and all
graphical elements that constitute the distinctive “look” of our platform. You agree not to
copy or imitate the design or look-and-feel of our website for any purpose, for example by
creating a confusingly similar website or service.
Domain Name
The domain name Tameh.co is owned by Tameh. You may not use or
register a domain name that includes the word “Tameh” or any confusingly similar term,
as this could violate our trademark rights and cause confusion about official affiliation. We
reserve the right to pursue appropriate action against instances of domain squatting or
misuse.
Limited License to Use Website
Subject to your compliance with these Terms, Tameh
grants you a limited, non-exclusive, non-transferable, revocable license to access and use
the Website and its content for your personal, non-commercial use only. This license does
not give you any ownership of the content or intellectual property on our site, and it does
not permit you to sublicense or assign any rights in the content. Except for this limited
usage license, all rights, title, and interest in the Website and its content remain with Tameh
and/or its licensors.
User-Generated Content License
If the Tameh platform allows you to submit or upload
any content (for example, posting a comment, review, profile information, or any other
materials) – collectively, “User-Generated Content” – then by submitting such content you
grant Tameh a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use,
reproduce, modify, adapt, publish, translate, create derivative works from, distribute,
perform, and display your User-Generated Content (in whole or in part) via any media now
known or developed in the future. This license is necessary for us to operate the platform
(for example, to display your reviews or comments to other users). You represent and
warrant that you own or have obtained all necessary rights and permissions to the User-
Generated Content you provide and that our use of such content under this license will not
infringe or violate the rights of any third party. You remain solely responsible for the
content you submit, and you agree not to submit anything that violates the “User Conduct”
section of these Terms or any third-party rights. We reserve the right (but have no
obligation) to review, remove, or edit any User-Generated Content at our discretion,
including if we believe it’s unlawful or violates these Terms.
Feedback and Suggestions
If you provide us with any suggestions, ideas, comments, or
other feedback about our platform or services (collectively, “Feedback”), you acknowledge
that such Feedback is not confidential and that we are free to use it without any restriction
or compensation to you. All Feedback is given entirely voluntarily, and by providing
Feedback you are granting us a perpetual, irrevocable license to use the Feedback in any
way we see fit, including to improve our services or create new features.
Ownership and Reservation of Rights
Except for the limited user license granted above,
all intellectual property rights in and to the Website and its content are expressly reserved.
This includes any and all copyright, trademark, patent, trade secret, database rights, design
rights, and other proprietary rights (whether registered or unregistered, existing now or in
the future) in the Website and the services and content provided therein. Tameh retains full
and complete title to all aspects of the platform, subject only to the licenses granted to users
and content licensors as applicable. If any intellectual property rights in the Website content
are deemed, by operation of law, to vest in you (for example, if you make a suggestion that
is protectable or you appear to have some authorship in collaborative content), you agree
to execute any documents and take any actions reasonably requested by Tameh to assign
such rights back to Tameh so that Tameh retains full ownership.
Data and Personal Information
Any personal data you provide to us or that is generated
through your use of the site will be handled in accordance with our Privacy Policy and
applicable law. By using the platform, you acknowledge that Tameh may process your
personal data for the purposes of providing the services (see Privacy Policy for details). We
claim no ownership over personal data as such, and use of personal data is governed by
privacy laws; however, any aggregated or anonymized data derived from user activities is
owned by Tameh.
Third-Party Content
The Website may include content provided by third parties (such
as property listings or market data). All such content remains the property of its respective
owners and may be protected by intellectual property rights. Our Terms do not grant you
any license to third-party content beyond what is necessary for viewing it via our platform.
If you wish to use third-party content in any way beyond viewing on our site, you are
responsible for obtaining permission from the respective owner.
Copyright Infringement and DMCA Policy
We respect the intellectual property rights
of others and ask that our users do the same. If you believe any content on our website
infringes your copyright or other intellectual property rights, please notify us promptly at
info@tameh.co with details of the alleged infringement. We will investigate and, if
appropriate, remove or disable access to the infringing material and/or terminate the
accounts of repeat infringers, in accordance with applicable copyright laws.
Consequences of Violation
Any violation of these intellectual property provisions may
result in termination of your rights to use the Website (see Section 8) and may also expose
you to legal liability (civil or criminal). We reserve the right to take legal action against
users who infringe upon our intellectual property or that of others. If a third party notifies
us that content you have posted to our site is infringing their rights (e.g., a claim under the
Digital Millennium Copyright Act or analogous law), we may forward your details to that
third party and/or remove the content, as required or permitted by law. You understand that
we may disclose your identity or other information about you to a third party who claims
that material you posted violates their rights (such as their copyright or privacy rights), in
accordance with our Privacy Policy and applicable laws.
By using the Tameh Website, you agree to abide by all intellectual property notices and restrictions
contained on the platform and in these Terms. Your compliance helps ensure that our platform can
operate fairly and legally for all users.
8. Termination and Suspension
Suspension of Access
Tameh may, at its discretion and without prior notice, temporarily suspend
or restrict your access to the Website and your account if we suspect that you have violated these
Terms of Use, if we detect security issues or fraudulent activity, or for other operational or technical
reasons. Suspension might occur, for example, if we need to investigate suspicious activity on your
account, if you fail to respond to verification requests, or if maintenance is being performed on the
platform. We are not liable for any losses or inconvenience you may suffer due to the suspension
of your account in such circumstances.
Termination by Tameh
We reserve the right to terminate your account or access to the Website
at any time, with or without cause, and with or without prior notice. This means that we can decide
to permanently disable your account if, for example, you materially breach these Terms, or if we
cease offering the services, or for any other reason at our sole discretion. In most cases, we will
provide notice of termination (e.g., via email to your registered address), but we are not obligated
to do so if we determine immediate termination is warranted.
Termination by You
You have the right to terminate your account with Tameh at any time if you
no longer wish to use our services. You may do so by giving us notice (for instance, by contacting
support at …………………………. and requesting account deletion) and discontinuing use of the
Website. Keep in mind that terminating your account will not automatically sell or liquidate any
investments you hold through the platform – you are responsible for managing or divesting your
fractional ownership positions according to the processes available (and any underlying contracts)
before or after account termination.
Effect of Termination
Upon any termination of your account by you or us, your right to access
and use the Website will immediately cease. You will lose access to any areas of the site that require
login, including your investment dashboard or account information. Any content or data associated
with your account (including your profile information, preferences, etc.) may be deleted or made
inaccessible, except to the extent we are required or permitted to retain certain data for legal or
compliance reasons. All licenses and rights granted to you in these Terms (for example, the limited
right to use the site content) will immediately end. If your account is terminated (by you or by us),
you must stop using the Website and any of our content. Any provisions of these Terms that by
their nature should survive termination (such as ownership provisions, warranty disclaimers,
indemnities, limitations of liability, dispute resolution clauses) will continue in effect after your
access ends. For example, our rights under the intellectual property section, your indemnification
obligations, and the limitations on our liability all survive termination.
Refusal of New Account
If your account has been terminated by us for a violation of these Terms
or other misconduct, we reserve the right to refuse any new registration by you (under the same or
a different name) without our explicit written consent. You are not permitted to attempt to
circumvent a termination (for instance, by creating a new account with a different identity).
Violations of Law
If your actions on the platform are suspected to violate any law or regulation,
we may terminate your access and report such actions to law enforcement or appropriate
authorities. We will cooperate with government and regulatory officials (including the Egyptian
Financial Regulatory Authority, if relevant) in any investigation of illegal activity on the platform,
and we may provide any evidence or information we have (consistent with our Privacy Policy and
applicable law).
No Liability for Termination
You agree that Tameh shall not be liable to you for any termination
or suspension of your account or access to the Website, including for any destruction of
information associated with your account. You acknowledge that your investments on the platform
are subject to separate agreements and ownership records, and termination of your online account
will not deprive you of any ownership rights in real estate shares you have already purchased.
However, after termination, you may need to contact us directly to manage or withdraw any
remaining investments, since platform tools may no longer be available.
We strongly encourage you to abide by these Terms of Use to avoid any interruption or termination
of your account. If you have questions about account termination or need assistance, please contact
us at …………………………………
9. Risk Disclosures (Real Estate Investment Risks)
Tameh provides a platform for investing in fractional ownership of real estate properties. Real
estate investments inherently carry risks, and it is important that you carefully consider these risks
before investing. We strive to present information about investment opportunities accurately and
transparently, but we do not provide personalized investment advice or guarantees of performance.
By using our website and services, you acknowledge and agree to the following risk disclosures
and disclaimers related to real estate investing:
No Personalized Advice
All information, content, and materials provided on the Website
(including property listings, financial projections, and articles or FAQs) are for general
informational purposes only. Nothing on our site constitutes a personal recommendation to
you or any specific investor. Tameh and its affiliates, as well as any information providers
or partners, are not acting as financial advisors or investment advisors to you. We do not
provide advice about the suitability, merit, or value of any particular investment or
transaction for your specific situation. You are solely responsible for evaluating each
investment opportunity and determining whether it aligns with your investment objectives
and risk tolerance. If you have any doubts, you should seek advice from a qualified
financial advisor who is familiar with your financial situation.
No Offer or Solicitation
The content and materials on the Website, including details of
real estate properties and fractional shares, are not intended as an offer, solicitation, or
invitation to buy or sell any securities or financial instruments in any jurisdiction where
such an offer or solicitation would be illegal. Any offer to invest in a property will be made
only through definitive transaction documents and in compliance with applicable laws. The
information on the site is provided to give you a general understanding of the opportunity,
but the legal offering (with full terms and conditions of the investment) will be provided
separately and may be subject to regulatory approvals. We emphasize that no information
on the Website should be construed as a public offering or a direct sale of securities unless
explicitly stated and conducted in accordance with Egyptian law and any other applicable
regulations.
Need for Independent Advice
We strongly encourage all users to conduct their own due
diligence before making any investment through Tameh. This may include reviewing the
full offering documents, understanding the property details, reviewing any valuation or
appraisal reports, and considering the legal structure of the investment. If needed, consult
independent advisors (financial, legal, tax, or otherwise) to understand the implications of
the investment. Do not invest more than you can afford to lose, and be aware that real
estate, like any investment, can be volatile and illiquid.
Market Risk and No Guaranteed Returns
The value of real estate properties and the
income they generate can go up or down. There is no guarantee that you will earn a return
on your investment or that you will not lose some or all of your invested capital. Real estate
markets are influenced by economic conditions, interest rates, supply and demand
dynamics, political stability, and other factors. Past performance is not indicative of future
results. Even if a property has historically increased in value or produced rental income,
future performance may differ. Rental income is not assured (tenants may default or
vacancies may occur), and property values may decline due to market downturns or
property-specific issues.
Illiquidity
Fractional real estate investments can be relatively illiquid. Unlike publicly
traded stocks, you might not be able to sell your real estate shares quickly or at full value.
Depending on the structure of the investment, there may be holding period requirements or
limited windows/opportunities to exit your investment. In some cases, there might not be
a readily available secondary market for your fractional share, making it difficult to find a
buyer. You should be prepared to hold your investment for the suggested horizon (which
could be years) unless an early exit mechanism is clearly provided.
Valuation Uncertainty
Valuing real estate is not an exact science. Appraisals or market
value estimates for properties are inherently uncertain and subjective to some degree.
Different valuers might give different estimates for the same property. Additionally, market
conditions can change, affecting property values. Thus, the value of your fractional share
may fluctuate, and at times it may be challenging to determine the precise market value of
your investment.
Information from Third Parties
Some information on our platform (e.g., property
details, price data, projected returns) may be provided by third parties such as property
developers, valuation firms, or data providers that we believe to be reliable. While we make
reasonable efforts to verify and present accurate information, we do not guarantee the
completeness or accuracy of data sourced from third parties. There may be errors or
omissions in the information, or circumstances may change after information is published
(for example, updated financial results or property conditions). You should consider
information critically and understand that it is provided on an “as is” basis.
Indicative Returns
Any projected or advertised returns (such as rental yields or potential
appreciation percentages) on the Website are indicative estimates only. These projections
are based on assumptions that may or may not hold true (such as occupancy rates, rental
growth, future sale price, etc.). Actual returns can differ due to a variety of factors,
including economic changes, property management performance, unexpected expenses,
changes in laws (like taxes or rent control), and force majeure events. External factors
beyond Tameh’s control – for example, shifts in the real estate market, interest rate
movements, or broader economic or business conditions – can significantly impact actual
investment outcomes. We do not guarantee that the indicative or target returns will be
achieved, and you should not rely on those figures as a promise of actual performance.
No Liability for Investment Outcomes
Tameh’s role is to facilitate access to fractional
real estate investments and to manage the platform where information is provided. We (and
our affiliates and partners) are not liable for investment losses. By investing through our
platform, you acknowledge that investment outcomes are uncertain and that you bear the
responsibility for your investment decisions. We do not insure your investment against loss,
and except as required by law, we will not compensate you for any decrease in value or
missed returns.
Jurisdictional Limitations
Nothing on our Website is intended to constitute an offer or
solicitation to invest in any jurisdiction where such activity is unlawful. If you are accessing
the platform from outside Egypt, ensure that you comply with local laws regarding
investments. Tameh does not guarantee that real estate shares or services are available or
appropriate in every jurisdiction. We reserve the right to refuse access to our services from
certain jurisdictions if required by law.
Selective Information and Updates
Any historical references, case studies, or past
investment examples on the site may be selective or illustrative. If we cite prior investments
or track record data, be aware that those references might not include all investments made
through the platform and could highlight certain outcomes. Also, due to ongoing market
changes, any information provided might become outdated. We strive to update key
information, but there might be a lag. Always consider seeking current data or
confirmation, especially if a piece of information (like a property’s occupancy rate or
financial metric) could materially affect your decision.
By acknowledging these risks, you confirm that you understand investing in fractional real estate
through Tameh involves risk of loss and illiquidity, and you agree that you will invest prudently
and within your means. Tameh, its employees, and affiliates do not assume any duty to advise you
on these risks beyond what is stated herein and in our educational materials. If you have any
questions about the risks or how the platform works, please reach out to us or seek professional
advice before proceeding.
10. Website Availability and Technical Disclaimers
We strive to keep the Tameh platform available and functional 24/7, but we cannot guarantee
perfect, uninterrupted service at all times. By using the Website, you acknowledge and accept the
following regarding site availability and technical aspects:
No Guaranteed Uptime
While we aim to ensure the Website is accessible continuously,
there may be occasions when the site is temporarily unavailable. Downtime can occur for
various reasons, including scheduled maintenance, software updates, upgrades, or
unforeseen technical failures. We will endeavor to perform maintenance during off-peak
hours when possible and to give advance notice for scheduled maintenance outages.
However, we do not guarantee that the Website will be available at any specific time or that
access will be uninterrupted or error-free.
Technical Issues
The internet by its nature is not always stable, and you may experience
issues that are beyond our control, such as latency, data transmission errors, or downtime
of third-party services (e.g., cloud providers, network providers). We disclaim liability for
any inability to access the Website, or any delay, failure, or disruption in the Website’s
functionality due to technical problems. This includes but is not limited to issues caused
by Force Majeure events or third-party actions (see Section 4, “Uncontrollable Events”).
Performance and Modifications
We reserve the right to modify, suspend, or discontinue
any part of the Website or the services we provide without notice and without liability if
we deem it necessary. For example, we may add, remove, or change features to improve
the user experience or to adapt to legal requirements. We may also impose limits on certain
features or restrict your access to parts or all of the Website without notice if we suspect
misuse or for other operational reasons. We will not be liable if, for any reason, any part of
the site is unavailable or if any feature is modified or removed.
Access Restrictions
Tameh retains the right to deny or restrict access to the Website for
any user, geographic region, or jurisdiction if we determine it is appropriate. This could be
due to legal restrictions in certain countries, security considerations, or other reasons. We
may also terminate or suspend your individual access as described in Section 8. We have
sole discretion over managing the availability of our platform and the scope of users
permitted.
User Environment
It is your responsibility to ensure that you have the necessary
equipment (computer, smartphone, etc.), software (updated browser, etc.), and internet
connection to use the Website. We are not responsible for any incompatibility between our
platform and your systems. If you experience technical difficulties, you can contact us, and
we will attempt to assist, but we do not guarantee resolution of user-side technical issues.
No Warranty for Software
Any software, mobile application, or digital download made
available by Tameh (if any) is provided “as is” and “as available,” without warranty of any
kind, subject to applicable law. We do not warrant that any such software will be free from
viruses or other harmful components. You should use your own virus protection software
to safeguard your devices.
Changes in Service
In order to continually improve the user experience, Tameh may
release new tools, resources, or features on the Website, or stop providing certain features.
All new features or services introduced will also be subject to these Terms (and possibly
updated terms if we issue them for new features). By continuing to use the platform after
new features are introduced or old features retired, you agree to be bound by any updates
to our Terms governing those changes.
In summary, while we work hard to maintain a reliable and accessible platform, we cannot and do
not guarantee 100% uptime or freedom from technical issues, and we shall not be held liable for
any temporary unavailability or malfunction of the Website. You acknowledge that there may be
times when the platform is not available, and you agree that you will take this into account (for
instance, not waiting until the last minute to execute time-sensitive transactions, etc.). If you
encounter a serious issue affecting your ability to use our services, please contact our support at
…………………………………., and we will make commercially reasonable efforts to assist you.
11. Amendments to the Terms
Tameh reserves the right to change or update these Terms of Use at any time. As our platform
evolves or as laws change, we may need to amend our contractual terms to reflect new practices,
address new features, or ensure compliance with regulatory requirements. We will post any
updated Terms of Use on this page with a new “Last Updated” date to indicate the revisions.
Changes will typically become effective immediately upon posting the revised Terms on the
Website, unless otherwise stated.
It is your responsibility to review these Terms periodically for any updates or changes. We suggest
that you check this page every so often, especially if you receive a notification of updated terms.
If we make significant changes that materially affect your rights or obligations, we may also notify
you of those changes through additional means – for example, by sending an email to the address
associated with your account, or by placing a prominent notice on the Website. However, whether
or not we provide a separate notice, the updated Terms will be binding on you once they are posted
(and as of their effective date).
If you do not agree with any modification to the Terms, you must stop using the Website and (if
you have an account) you should terminate your account. Continuing to use the Website or any
Tameh services after changes to the Terms have been posted constitutes your acceptance of those
changes. Please note that certain provisions of these Terms might be superseded by expressly
designated legal notices or terms located on particular pages of the Website or in specific
agreements. For example, if a specific investment opportunity has unique terms that conflict with
these general Terms of Use, those specific terms will take precedence for that transaction.
In summary, Tameh can update these Terms when necessary, and you agree to be bound by the
updated Terms as a condition of continued use of the platform. Always ensure you are familiar
with the latest version of the Terms of Use.
12. Governing Law and Miscellaneous Provisions
Governing Law
These Terms of Use and any dispute or claim (including non-contractual disputes
or claims) arising out of or in connection with the Website or these Terms shall be governed by
and construed in accordance with the laws of the Arab Republic of Egypt. This choice of law is
made in accordance with Egyptian Civil Code principles and reflects the fact that Tameh operates
primarily in Egypt. By using the platform, you agree that any disputes will be resolved under
Egyptian law. If you are accessing the service from outside Egypt, note that you are still primarily
dealing with an Egyptian entity and legal framework for these Terms.
Jurisdiction
You agree that the courts of Egypt shall have exclusive jurisdiction to settle any
dispute or claim arising out of or in connection with these Terms or your use of the Website. Unless
another specific forum is mandated by law (for example, certain consumer protection disputes
might allow alternative venues), you consent to the jurisdiction of the Cairo Economic Courts of
Egypt (or other competent courts within Egypt) for the resolution of any such disputes. We and
you each waive any objection to the venue of such courts on grounds of inconvenient forum or
otherwise, to the extent permitted by applicable law. (Note: If you are a consumer entitled to
mandatory protections under local law in another country, this governing law and jurisdiction
clause may not deprive you of those protections to the extent they apply.)
No Partnership or Agency
You and Tameh are independent parties, and nothing in these Terms
is intended to, or shall, create a partnership, joint venture, employment, or agency relationship
between us. You are not an employee of Tameh, and your use of the platform does not establish
any employment rights or benefits under Egyptian Labor Law No. 14 of 2025. Likewise, nothing
in these Terms authorizes you to act on behalf of Tameh or bind Tameh in any way. You may not
hold yourself out as having any such authority. This agreement is for your personal use of the
platform as a user/investor, not an employment or service contract.
No Waiver
If Tameh fails to insist on or enforce strict performance of any provision of these
Terms, or fails to exercise any right under these Terms, that shall not be construed as a waiver or
relinquishment of our right to assert or rely on any such provision or right in that or any other
instance. Any waiver of any provision of these Terms will be effective only if in writing and signed
by an authorized representative of Tameh.
Severability
If any provision (or part of a provision) of these Terms is found by a court of
competent jurisdiction to be invalid, illegal, or unenforceable for any reason, then that provision
(or part-provision) shall be deemed severed from these Terms, and the remaining provisions shall
continue in full force and effect to the maximum extent permitted by law. In such case, the invalid
or unenforceable provision will be modified or interpreted in a way that comes closest to the
intention of the original provision (as permitted by law), or, if that is not possible, replaced by a
valid provision that reflects the original intent and economic effect.
Entire Agreement
These Terms of Use (together with the Privacy Policy and any other
documents expressly incorporated by reference) constitute the entire agreement between you and
Tameh regarding your use of the Website and supersede any prior agreements, understandings, or
arrangements between us, whether oral or written, relating to the subject matter herein. You
acknowledge that you have not relied on any statement, representation, warranty, or assurance that
is not expressly set out in these Terms, and you waive any claims for misrepresentation (unless
made fraudulently) or misstatement that are not contained herein.
Assignment
You may not assign or transfer any of your rights or obligations under these Terms
to any third party without our prior written consent. We may assign or transfer our rights and
obligations under these Terms to another party (for example, in the event of a merger, acquisition,
or internal reorganization) by providing you with notice, and such assignment will not affect your
rights under these Terms.
Headings
Section headings in these Terms are for convenience only and have no legal or
contractual effect. They shall not affect the interpretation of any provision.
By agreeing to these Terms, you confirm that you understand all the provisions and that you are
willing to be legally bound by them. If there is any part of these Terms that you do not understand
or are uncertain about, we encourage you to contact us for clarification before using the Website.
13. Contact Information
If you have any questions, concerns, or need assistance regarding these Terms of Use or any aspect
of the Tameh platform, please feel free to contact us. We are here to help and ensure your
experience is positive and transparent.
You can reach our support team at …………………………………….. for any
inquiries about the Terms, technical support, or general questions. We will do our best to
respond promptly to your email.
Telephone
(If available, list a customer support phone number or indicate if no phone
support is provided.)
Business Address
Tameh, Cairo, Egypt. (If you need to send us any formal
correspondence or notices under these Terms (for example, a legal notice), please
request our designated address for legal service via email.)
Customer Support
Additionally, you may find helpful resources or FAQs on our Website
(for example, a “Help” or “Support” section) that address common questions about using
the platform.
All notices of legal nature (such as notices of dispute or alleged breaches) should ideally be sent
in writing to our business address with a copy to our email. Communications that are not of a legal
nature (such as suggestions or feedback) can be sent through our standard support channels.
We value our users and are committed to addressing your needs. Your trust is important to us, and
we welcome any feedback on how we can improve our services or these Terms. Thank you for
being part of Tameh’s community, and we hope you enjoy using our platform to explore fractional
real estate investment opportunities.