Terms of Service — Invest Riyadh

Terms of Service

Effective Date: March 23, 2026

These Terms of Service (“Terms”) govern your access to and use of the website investriyadh.ai (“the Site”), operated by The Vanderbilt Portfolio (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

1. Acceptance of Terms

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Cookie Policy, which are incorporated herein by reference. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting on the Site. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms.

2. Description of Service

Invest Riyadh is an online information and intelligence platform that provides educational and informational content about investment in Saudi Arabia. The Site publishes articles, guides, analysis, data summaries, and other content (“Content”) related to the Saudi investment landscape, including but not limited to foreign direct investment, capital markets, venture capital, private equity, regulatory frameworks, and economic analysis.

3. No Investment, Legal, or Tax Advice

The Content published on this Site is for informational and educational purposes only and does not constitute investment advice, legal advice, tax advice, or any other form of professional advice.

We are not a registered investment advisor, broker-dealer, attorney, accountant, or tax professional. The Content should not be relied upon as a basis for making investment decisions, entering into transactions, or taking any action that has legal, tax, or financial consequences.

You should consult qualified professional advisors — including licensed financial advisors, attorneys, accountants, and tax professionals — before making any investment decision or taking any action based on the Content published on this Site.

Past performance of any investment discussed on this Site is not indicative of future results. All investments involve risk, including the possible loss of principal. The value of investments can fluctuate, and you may receive less than you invest.

4. Accuracy of Information

While we strive to ensure the accuracy, completeness, and timeliness of the Content published on this Site, we make no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any Content.

The Saudi investment landscape is subject to rapid change, and information published on this Site may become outdated between the date of publication and the date you access it. We do not guarantee that the Content reflects the most current regulatory requirements, market conditions, or institutional developments.

We rely on publicly available information from government sources, regulatory filings, company disclosures, and other third-party sources. We do not independently verify all information obtained from third-party sources, and we make no warranties regarding the accuracy or reliability of third-party information.

5. Intellectual Property

Our Content

All Content published on this Site — including text, graphics, logos, images, data compilations, and software — is the property of The Vanderbilt Portfolio or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

You may access and read the Content for personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content from the Site without our prior written consent, except as follows:

• You may print or download one copy of a reasonable number of pages for personal, non-commercial use
• You may share links to our Content through social media, email, or other channels, provided you do not modify the Content or present it in a misleading context

Trademarks

“Invest Riyadh,” “The Vanderbilt Portfolio,” the Invest Riyadh logo, and all related names, logos, product and service names, designs, and slogans are trademarks of The Vanderbilt Portfolio. You may not use these marks without our prior written permission.

6. User Conduct

When using the Site, you agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
• Use the Site for any purpose that is unlawful or prohibited by these Terms
• Use any robot, spider, scraper, or other automated means to access the Site or collect Content without our prior written consent
• Attempt to interfere with the proper working of the Site, including by introducing viruses, trojans, worms, or other malicious code
• Attempt to gain unauthorized access to any portion of the Site, its servers, or any systems or networks connected to the Site
• Impersonate or attempt to impersonate The Vanderbilt Portfolio, an employee, another user, or any other person or entity
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site

7. Third-Party Links

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Inclusion of a link does not imply endorsement of the linked site or its content.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites or services.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE CONTENT WILL BE ACCURATE OR RELIABLE, OR THAT ANY DEFECTS IN THE SITE WILL BE CORRECTED.

9. Limitation of Liability

IN NO EVENT SHALL THE VANDERBILT PORTFOLIO, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR CONTENT SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

(A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE; (C) ANY CONTENT OBTAINED FROM THE SITE; (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; (E) ANY INVESTMENT DECISIONS MADE BASED ON THE CONTENT PUBLISHED ON THE SITE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SITE OR ITS CONTENT EXCEED THE AMOUNT, IF ANY, PAID BY YOU TO US DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless The Vanderbilt Portfolio, its directors, officers, employees, agents, and content suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the federal or state courts located in the United States, and you consent to the personal jurisdiction of such courts.

12. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

13. Waiver

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

14. Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and The Vanderbilt Portfolio regarding the use of the Site, superseding any prior agreements between you and us regarding the Site.

15. Contact Information

If you have any questions about these Terms, please contact us at:

Email: info@investriyadh.ai

Publisher: The Vanderbilt Portfolio

16. Advertising and Sponsored Content

The Site may display advertisements from third-party advertisers, including advertising served through Google AdSense. Advertisements are clearly distinguished from editorial content and do not represent endorsements, recommendations, or advice from The Vanderbilt Portfolio. The presence of an advertisement on the Site does not imply that we have reviewed, approved, or endorsed the advertiser’s products, services, or claims.

Sponsored content, when published on the Site, is clearly labeled as “Sponsored,” “Advertiser Content,” or similar designation. Sponsored content represents the views of the sponsor and may not reflect the editorial positions of The Vanderbilt Portfolio. Sponsored content is subject to our editorial standards for accuracy and substantiveness, but the underlying research and conclusions are the responsibility of the sponsor.

Users should exercise independent judgment when evaluating advertisements and sponsored content and should not rely on the presence of such content on our Site as an indication of quality, reliability, or suitability of the advertised products or services.

17. Newsletter and Subscription Services

By subscribing to our newsletter or other subscription services, you agree to receive periodic communications from us at the email address you provide. You may unsubscribe at any time by clicking the unsubscribe link in any communication or by contacting us at info@investriyadh.ai.

We reserve the right to modify, suspend, or discontinue any newsletter or subscription service at any time without notice. We are not liable for any loss or inconvenience arising from the modification, suspension, or discontinuation of any such service.

Newsletter content is provided for informational purposes only and is subject to the same disclaimers that apply to all Content on the Site, including the disclaimer of investment, legal, and tax advice set forth in Section 3 of these Terms.

18. Report Downloads and Digital Resources

Reports, whitepapers, and other digital resources available for download on the Site are provided for personal, non-commercial use unless otherwise stated. By downloading such resources, you agree to the following conditions: downloaded reports may be stored on your personal devices and shared within your organization for internal use only; reports may not be republished, redistributed, or made available to the public without our prior written consent; reports may not be modified, adapted, or used to create derivative works without our prior written consent; and the intellectual property rights in all downloaded materials remain with The Vanderbilt Portfolio.

Organizations wishing to license our reports for client-facing use, broader distribution, or commercial purposes should contact us at info@investriyadh.ai for licensing terms.

19. Premium Services

If we offer premium or subscription-based services (such as Exclusive Intelligence), additional terms and conditions may apply to those services. Such additional terms will be presented to you at the time of enrollment and will supplement (not replace) these Terms. In the event of a conflict between these Terms and any additional terms applicable to premium services, the additional terms shall prevail with respect to the premium services.

20. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

21. Assignment

We may assign our rights and obligations under these Terms to any affiliate or successor entity without your consent. You may not assign your rights or obligations under these Terms without our prior written consent.

22. Dispute Resolution

Before initiating any formal legal proceedings, you agree to attempt to resolve any dispute arising out of or relating to these Terms through the following process:

Informal resolution: Contact us at info@investriyadh.ai with a written description of your dispute, including the specific Terms provision at issue, the facts giving rise to the dispute, and the relief you are seeking. We will respond within fifteen (15) business days with our position and, if appropriate, a proposed resolution. Many disputes can be resolved through this informal process without the need for formal proceedings.

Mediation: If informal resolution is unsuccessful within thirty (30) days, either party may initiate mediation administered by a mutually agreed-upon mediator. Mediation proceedings shall be conducted in English and shall take place virtually or at a mutually agreed-upon location. The costs of mediation shall be shared equally between the parties.

Binding arbitration: If mediation is unsuccessful within sixty (60) days, either party may initiate binding arbitration. Arbitration shall be conducted in accordance with the rules of the American Arbitration Association (AAA), with a single arbitrator selected in accordance with AAA rules. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Exceptions: The dispute resolution process described above does not apply to claims for injunctive or equitable relief related to intellectual property infringement, unauthorized access to the Site, or other claims where interim relief is necessary to prevent irreparable harm.

23. Accessibility Commitment

We are committed to making the Site accessible to all users, including those with disabilities. Our accessibility practices include adherence to the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level, use of semantic HTML structure that supports screen readers and assistive technologies, provision of alternative text for images and descriptive labels for interactive elements, keyboard navigability for all core site functions, and sufficient color contrast ratios for text and interactive elements.

If you experience any accessibility barriers when using the Site, please contact us at info@investriyadh.ai with a description of the issue, and we will work to address it promptly. We welcome feedback on our accessibility practices and are committed to continuous improvement in this area.

24. Compliance with Saudi Arabian Law

In addition to the governing law provisions set forth in Section 11, users should be aware that the Site publishes content about investment in Saudi Arabia, and certain Saudi laws and regulations may be relevant to the use of information obtained from the Site:

Capital Markets Law: The Saudi Capital Market Authority (CMA) regulates securities activities in Saudi Arabia. Nothing on this Site constitutes an offer to sell, or a solicitation of an offer to buy, any security listed on the Saudi Exchange (Tadawul) or any other securities exchange. Users should consult with CMA-authorized persons before making investment decisions involving Saudi-listed securities.

Anti-Money Laundering: Saudi Arabia’s Anti-Money Laundering Law and its implementing regulations impose obligations on financial institutions and designated non-financial businesses. Users should not use information from this Site to facilitate any activity that would violate anti-money laundering laws in Saudi Arabia or any other jurisdiction.

Foreign Investment Law: The Saudi Foreign Investment Law and its implementing regulations, administered by the Ministry of Investment (MISA), govern foreign investment activities in Saudi Arabia. Users considering investment in Saudi Arabia should obtain appropriate legal advice regarding licensing requirements, ownership restrictions, and other regulatory obligations specific to their proposed investment activities.

Data Protection: The Saudi Personal Data Protection Law (PDPL) governs the collection, processing, and transfer of personal data in Saudi Arabia. Our compliance with the PDPL is described in our Privacy Policy.

25. Interpretation and Construction

These Terms shall be interpreted in accordance with the following principles: headings are included for convenience only and shall not affect interpretation; references to “including” or “includes” are illustrative and not limiting; references to any law, regulation, or statute include all amendments, supplements, and successor legislation; and the singular includes the plural and vice versa, except where the context requires otherwise. If any ambiguity exists in these Terms, it shall not be construed against the drafting party. Both parties acknowledge that they have had the opportunity to review these Terms and have agreed to them voluntarily.

Last updated: March 23, 2026