Risk Disclosure Statement

Klub Capital Technologies Limited, FSRA licence no. 220119.

This Risk Disclosure Statement outlines key risks associated with using KCTL’s financing services. By using our Services, you confirm reading and accepting these risks.

Market & Business Risk

Your ability to repay advances depends on future sales performance. A downturn, seasonality, or operational disruptions may reduce cash flow but not your liability.

Profit Rate & Fees

The profit rate and processing fees reduce your net revenue. Excessive use of advances may erode margins and working capital.

Regulatory Risk

Changes in FSRA rules or UAE law could require modifications to product features, eligibility criteria, or pricing.

Technology & Cyber Risk

Despite robust security measures, residual risks like hacking or outages may delay payments or expose data.

Automatic Repayment Risk

Outstanding advances are automatically offset against revenue. Delayed settlements may require manual repayment to avoid penalties.

No Guarantee of Profitability

Use of Services does not guarantee increased sales, profitability, or business success; financing should complement a broader cash flow plan.