1.1.1 These Terms & Conditions (“Terms”) govern the use of the website www.niobim.com (the “Website”), operated by Niobim Diamonds DMCC (the “Company”), a Dubai Multi Commodities Centre (DMCC) registered entity engaged in the trade and manufacturing of precious stones and jewellery in the United Arab Emirates (UAE).

1.1.2 By accessing and using this Website, you (“User” or “Customer”) confirm that you have read, understood, and agree to these Terms. If you do not accept these Terms, you must not use the Website.

1.1.3 The Company reserves the right to modify, update, or revise these Terms at any time, in accordance with UAE consumer protection, e-commerce, and jewellery trade regulations. Changes will be effective from the date of publication. Users are advised to review this section regularly.

1.2.1 Users must ensure that their online activities comply with all applicable UAE laws, including but not limited to Federal Decree-Law No. 14 of 2023 (Commercial Transactions Law) and Federal Decree-Law No. 13 of 2022 (Consumer Protection Law).

1.2.2 Any fraudulent, misleading, defamatory, or deceptive activity on the Website, including unauthorized transactions, abuse of promotional offers, or misrepresentation of identity, is strictly prohibited and may result in account suspension, legal action, and financial penalties.

1.2.3 The Company reserves the right to terminate access to any User who engages in inappropriate behavior, violates intellectual property laws, or disrupts business operations.

1.3.1 The Company collects, processes, and stores Customer data in compliance with UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection.

1.3.2 Personal data provided during transactions, including names, addresses, and payment details, will be used strictly for:
Order processing and fulfilment
Customer support and dispute resolution
Marketing communications (if consented to)

1.3.3 Confidentiality Assurance
All credit/debit card details and personally identifiable information will NOT be stored, sold, shared, rented, or leased to third parties, except as required for payment processing, fraud prevention, or law enforcement requests.
The Company uses SSL encryption and PCI-DSS compliant payment gateways to secure all payment transactions.

1.3.4 Customers have the right to access, modify, or request deletion of personal data by contacting info@niobim.com.

1.4.1 The Company accepts payments in United Arab Emirates Dirhams (AED) and may allow other currencies at its discretion.

1.4.2 Accepted payment methods include:
Visa & MasterCard credit/debit cards
Bank transfers
Tabby
Other approved online payment gateways

1.4.3 The Company reserves the right to:
Refuse transactions suspected of fraud or regulatory non-compliance.
Cancel orders where payment verification fails.
Modify prices, taxes, and fees in line with UAE Federal Tax Authority (FTA) VAT and Corporate Tax Regulations.

1.4.4 Refunds (if applicable) will be processed exclusively through the original payment method, in accordance with the Company’s Refund & Return Policy.

1.5.1 Users may request account termination by contacting info@niobim.com. Upon approval, all associated personal data will be handled in compliance with UAE data retention laws.

1.5.2 The Company may suspend or permanently terminate an account if the User:
Violates these Terms
Commits fraud or engages in illegal transactions
Attempts to disrupt the Website’s operations or security

1.6.1 The Company strives to ensure the accuracy of all product descriptions, images, and pricing. However, due to the nature of high-value jewellery and gemstones, slight variations in color, size, or clarity may occur.

1.6.2 The Company does not guarantee uninterrupted service, error-free transactions, or availability of all products at all times.

1.6.3 To the fullest extent permitted by UAE law, the Company shall not be liable for:
Loss of profits, revenue, or indirect damages resulting from the use of the Website.
Delays in order processing due to regulatory compliance or customs clearance requirements.
Minor discrepancies in gemstone or jewellery attributes due to the unique nature of natural stones.

1.6.4 Customers acknowledge and accept the natural variances in precious stones and the Company’s adherence to UAE Federal Jewellery Trade Standards.

1.7.1 The Company reserves the right to update these Terms to reflect:
Changes in UAE e-commerce laws
Amendments in jewellery trade regulations
Revisions to payment and security policies

1.7.2 Customers will be notified of significant changes via:
Email communication (for registered users)
Website notifications

1.7.3 Continued use of the Website after updates constitutes acceptance of the revised Terms.

1.8.1 Users under 18 years old are strictly prohibited from making transactions on the Website.

1.8.2 By purchasing from the Website, Users confirm that they meet the legal age requirement.

1.8.3 The Company is not liable for fraudulent age misrepresentation and reserves the right to cancel orders placed by minors.

1.9.1 The Company implements state-of-the-art security protocols to protect payment card transactions, in line with UAE Central Bank regulations.

1.9.2 Customers should:
Use secure connections when making transactions
Avoid sharing payment details via email or unsecured channels
Report suspicious activity immediately to the Company’s team

1.9.3 The Company bears no liability for:
Third-party data breaches affecting payment gateways.
Unauthorized transactions caused by User negligence.

1.10.1 Niobim Diamonds DMCC strictly adheres to:
Dubai Multi Commodities Centre (DMCC) Free Zone Rules
Kimberley Process Certification Scheme for Conflict-Free Diamonds
UAE Federal Law on Commercial Transactions for High-Value Goods
Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF) Laws for Precious Metal & Stones Trade

1.10.2 The Company reserves the right to request KYC (Know Your Customer) documentation for high-value purchases, as required by UAE Central Bank and DMCC regulations.

1.10.3 Orders may be delayed or canceled if compliance checks are not satisfactorily completed.