Hayat Investment Company ("the Company", "we") is committed to protecting the privacy of visitors to its website and any parties who contact it. This Policy explains the nature of personal data that may be collected through the website, the purposes of collection, the legal basis for processing it, and the rights of data subjects.
This Policy applies to all visitors to the Company's official website and any person who provides personal data through the contact or inquiry forms available on the site. It does not cover data collected through channels outside the website (such as formal investment agreements), which are governed by their own separate agreements and procedures.
Personal data is not used for direct marketing purposes unless the data subject has given explicit consent.
The Company's processing of personal data is based on: (a) the data subject's consent when voluntarily providing information through the site's forms; (b) the Company's legitimate interest in responding to inquiries and developing its services; and (c) compliance with any regulatory obligation imposed by the competent authorities in the State of Kuwait.
The Company does not sell or rent personal data to any third party for marketing purposes. Data may be shared only within the following limits:
The Company takes reasonable technical and organizational measures to protect personal data from unauthorized access, loss, or misuse, proportionate to the limited nature of the data collected through the website. However, absolute security of any data transmission over the internet cannot be guaranteed.
The Company retains personal data submitted through the contact form only for as long as necessary to fulfil the purpose for which it was collected, or for the period required by any regulatory obligation, whichever is longer, after which it is securely deleted or anonymized.
These rights may be exercised by contacting the Company using the contact details set out at the end of this Policy.
Where the website uses technical or statistical cookies, their types and purposes will be specified, along with instructions on how to manage or disable them through browser settings.
The website is not directed at persons under the age of eighteen, and the Company does not knowingly collect any personal data relating to minors.
This Policy may be updated from time to time to reflect regulatory or operational changes. The date of the last update will be indicated at the top of this page, and periodic review is recommended.
For any inquiry relating to this Policy or to exercise the rights described above, please contact the Company via its official email address or the contact details listed on the Contact Us page of the website.
Accessing and using this website constitutes your explicit agreement to be bound by these Terms of Use in their entirety. If you do not agree to any provision hereof, please discontinue use of the website.
This website is intended solely for general informational and introductory purposes regarding Hayat Investment Company and its activities. No content published on the website — including, without limitation, portfolio data or financial reports — constitutes an offer, invitation, recommendation, or solicitation to invest, or to buy or sell any financial instrument. No contractual or investment relationship arises merely from browsing the website; any investment transaction is carried out exclusively through the Company's official, licensed channels and agreements, in accordance with the procedures approved by the competent regulatory authorities.
All rights relating to the content of this website — including text, logo, design, graphics, and images — are owned by or lawfully licensed to Hayat Investment Company, and are protected under the intellectual property laws applicable in the State of Kuwait. No part of this content may be copied, republished, distributed, or used for commercial purposes without the Company's prior written consent.
Users of the website undertake not to:
The Company makes reasonable efforts to ensure the accuracy and currency of the information published on the website, but does not guarantee that it is entirely free of errors or complete at all times. All information is provided "as is", without warranties of any kind, whether express or implied.
Any historical data, results, or figures published regarding the past performance of investments are indicative of historical performance only, and do not, under any circumstances, constitute a guarantee or indication of future results or returns.
The content of this website is not intended to constitute investment, financial, tax, or legal advice. Any visitor considering an investment decision is advised to consult their own qualified advisors and not to rely solely on the website's content as a basis for any such decision.
To the fullest extent permitted by law, the Company shall not be liable for any direct or indirect loss or damage arising from the use of this website or reliance on its content, or from any interruption or unavailability of the service for any reason.
The website may include links to third-party websites for convenience only. The Company assumes no responsibility for the content, policies, or accuracy of information on those websites, and the inclusion of any link does not constitute an endorsement of its content.
These Terms are governed by and construed in accordance with the laws of the State of Kuwait, and the courts of the State of Kuwait shall have exclusive jurisdiction over any dispute arising out of or relating to the use of this website or these Terms.
Hayat Investment Company conducts its business under the supervision and licensing of the competent authorities in the State of Kuwait, including the Capital Markets Authority and the Central Bank of Kuwait, and complies with all relevant laws and regulations issued by them. The existence of this website or its content does not substitute for any formal regulatory disclosure or document that the Company is required to provide to regulators or investors.
The Company reserves the right to amend these Terms at any time. Any amendment takes effect upon publication on this page, and continued use of the website after publication constitutes acceptance of the amended Terms.
For any inquiry regarding these Terms, please contact the Company via the details provided on the Contact Us page of the website.