The terms that apply when you use this website and the e-learning platform.
Version 1.0. Last updated: 19 October 2026
These terms govern your use of this website and of the Arkadia e-learning platform (together, the "Services"), operated by Arkadia Digital Training L.L.C (Trade Licence No. 1603405; KHDA Permit No. 633905), JLT Cluster V, JBC 2, Office 1504, Dubai, United Arab Emirates ("Arkadia", "we", "us"). The same legal entity owns the content, issues the certificates and is the controller of personal data, as described in our Privacy Policy.
Where your access is provided by your employer or another organisation (an "Institution"), the agreement between Arkadia and that Institution also applies. If it conflicts with these terms, that agreement prevails as between Arkadia and the Institution.
By creating an account, signing in or otherwise using the Services you confirm that you have read and accept these terms and our Privacy Policy. When you first sign in to the platform you will be asked to confirm your acceptance expressly; we record the version of the terms you accepted and the date and time of acceptance. If you do not accept these terms, you must not use the Services.
You must be at least 18 years old and use the Services in a professional capacity. If you accept these terms on behalf of an Institution, you confirm that you are authorised to bind it.
A certificate is issued only after every required Module has been completed and the final assessment passed. It states the CPD hours declared for the programme. Programmes may be described as "CPD Certified" only where and for as long as the relevant accreditation is in place.
A certificate attests that you completed the training. It is not a professional qualification, licence, authorisation or registration, and it does not confirm that you are competent or permitted to carry out any regulated activity. Whether CPD hours count towards the requirements of a regulator, professional body or employer is for that body to decide.
We may revoke a certificate that was obtained in breach of these terms, for example by sharing an account or assessment content. Certificates can be verified by their serial number.
Our programmes are prepared by Arkadia and its contributors. Parts of the content are based on publicly available sources, such as legislation, regulatory publications, official statistics and published research, which we select, summarise, explain and arrange. Our selection, wording, structure, assessments and materials are protected as described in section 8, even where the underlying information is public.
The law, regulation and market practice concerning digital assets change frequently and sometimes without notice. We review content periodically and aim to keep it up to date, but we do not warrant that any content is complete, accurate, current or suitable for any particular purpose at the time you access it. Each lesson may show the date it was last reviewed. You should verify any information before relying on it.
Images, illustrations and other media are obtained from licensed stock libraries and other third-party providers, produced by us, or generated with artificial intelligence tools, and are used in accordance with the applicable licence or permission.
Some content, including videos, narration, voices, presenters, images, slides and texts, is produced in whole or in part with the assistance of artificial intelligence tools. Such content is reviewed before publication but may nevertheless contain errors, omissions, inaccuracies or synthetic representations of people, voices or events. By using the Services you acknowledge that content may be AI-assisted and that you must not treat it as a statement of fact without independent verification.
To the fullest extent permitted by law, we give no warranty, express or implied, in respect of any content, including AI-assisted content, and we are not liable for any loss arising from content that is out of date, incomplete, inaccurate or AI-assisted, including where an update has not yet been made or where a source we relied on changes or is withdrawn.
The Services are provided for professional education only. Nothing in them is investment, financial, legal, tax, accounting, regulatory or Shariah advice, a recommendation or an offer to buy or sell any asset, or an endorsement of any product, provider or jurisdiction. Content does not take into account the circumstances of any individual or Institution. Decisions you or your Institution take remain your own responsibility; seek independent professional advice where needed.
The platform's assistant answers questions only with answers written in advance by our staff. It does not use artificial intelligence to generate answers, it does not know your circumstances, and its answers are subject to this section.
All content of the Services, including videos, audio, texts, study notes, slides, documents, assessments, questions, certificates, software, design, and the Arkadia name and logo, belongs to Arkadia or its licensors and is protected by copyright, database rights, trade mark law and other laws.
We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use the content solely for your own professional training on the programmes you are enrolled on, for the duration of your access. No other right is granted, and all rights not expressly granted are reserved.
Unless we agree otherwise in writing, you must not:
Images, media, reports and other third-party materials are used under licence or with permission, and remain subject to the rights of their owners. If you believe content infringes your rights, write to [email protected] and we will review it promptly.
You must not access or attempt to access the Services without authorisation, probe or test their security without our written consent, interfere with their operation, introduce malicious code, impersonate others, or use the Services for any unlawful, fraudulent or abusive purpose. You must not use the Services in breach of applicable sanctions or export control laws, or if you are a person subject to such sanctions.
When you write in course chats, send messages or submit other content, you remain responsible for it. It must be lawful, professional and respectful, and must not contain confidential information of your Institution or its clients, or special categories of personal data. You grant us a non-exclusive, royalty-free licence to host, display and use that content to provide and improve the Services. We may moderate, hide or remove content and keep records of it as described in our Privacy Policy.
Information about the Services that is not public, including assessment content, unpublished materials and the terms agreed with your Institution, is confidential. You must not disclose it except as required by law.
We work to keep the Services available and secure, but we do not guarantee uninterrupted or error-free access. We may carry out maintenance, and we may change, add or remove features and programmes.
We may suspend or end your access, with or without notice, if you breach these terms, if your Institution's agreement ends, if required by law, or to protect the Services, other users or us. Where your access ends, the rights granted to you end with it. Records of completed training and certificates are kept as described in our Privacy Policy.
Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud or for death or personal injury caused by negligence.
Subject to that, and to the fullest extent permitted by law: (a) the Services are provided "as is" and "as available", without any warranty not expressly stated in these terms; (b) we are not liable for any indirect, special or consequential loss, or for any loss of profit, revenue, business, opportunity, data or goodwill, or for any decision taken or not taken on the basis of the content; and (c) our total liability arising out of or in connection with the Services in any twelve-month period is limited to the fees paid for your access in that period or, where you did not pay, to [amount, to be confirmed]. The agreement with your Institution may set a different limit, which then applies to the Institution.
You agree to compensate us for any loss, damage, cost or claim, including reasonable legal fees, arising from your breach of these terms, in particular sections 8, 9 and 10, or from your misuse of the Services.
We are not responsible for any failure or delay caused by events beyond our reasonable control, including failures of networks, hosting or other service providers, cyber attacks, changes in law, acts of authorities, pandemics, war, unrest or natural events.
The Services may refer or link to websites, publications and services of third parties. We do not control them and are not responsible for their content, availability or practices.
We may update these terms. We will give at least 30 days' notice of material changes by email or on the platform, unless a change is required sooner by law or for security. By continuing to use the Services after the change takes effect, you accept the updated terms; where we ask you to accept them expressly, you will need to do so to keep using the platform.
If any provision of these terms is found invalid or unenforceable, the rest remains in force. Our failure or delay in enforcing any right is not a waiver of it. These terms, together with the Privacy Policy and, where applicable, the agreement with your Institution, are the entire agreement between you and us about the Services. You may not transfer your rights under these terms; we may transfer ours to a successor or affiliate. These terms are written in English. Translations are provided for convenience only, and the English version prevails in case of any difference.
These terms and any dispute arising out of or in connection with them are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates, and are subject to the exclusive jurisdiction of the courts of the Emirate of Dubai. Nothing in this section prevents us from seeking urgent relief, such as an injunction to protect our intellectual property, in any competent court.
We may send notices to the email address of your account or display them on the platform. You can send notices and questions about these terms to [email protected] or to our registered address above.