Terms & Conditions

Chess Knowledge FZE

Version: 2.1 Effective date: 1 September 2026

Operator: Chess Knowledge FZE ("we", "us", "our"), a company licensed under number RAKIA80FZ607114372 with the Ras Al Khaimah Economic Zone Authority (RAKEZ), registered address A4-219, Building no. A4, Al Hamra Industrial Zone-FZ, Ras Al Khaimah, United Arab Emirates.

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1. Definitions

• App — CK Academy, the Chess Knowledge FZE mobile application and related services.
• Account — the account you create as a parent or legal guardian.
• Child / Student — a minor you register and manage through your Account.
• Class / Session — a chess lesson or tournament session booked through the App.
• Term — a defined teaching period for which classes are scheduled.
• Store credit — non-cash credit held on your Account and usable towards future bookings, as described in Section 10.
• Consumer Laws — Federal Law No. 15 of 2020 on Consumer Protection and its Executive Regulation (Cabinet Decision No. 66 of 2023), and Federal Decree-Law No. 14 of 2023 on Trading by Modern Technological Means, each as amended.

2. Who we are and how to reach us

The App is operated by Chess Knowledge FZE. You can contact us using the details in Section 22.

3. Your statutory rights come first

Nothing in these Terms removes, limits or replaces any right you have as a consumer under the Consumer Laws or any other mandatory UAE law, and nothing in them affects your right to complain to the Ministry of Economy and Tourism or to the competent Department of Economic Development. Where any provision of these Terms conflicts with a mandatory consumer right, that right prevails and the conflicting provision does not apply.

4. Acceptance and eligibility

By creating an Account you agree to these Terms on behalf of yourself and each Child you register. You must be a parent or legal guardian, aged 18 or over, and legally able to enter into this agreement.

Accepting these Terms is not the same as the consents described in the Privacy Policy. Consent to store a Child's health information is asked for separately, is optional, and can be withdrawn at any time without affecting a Child's place in a class.

We record which version of these Terms and of the Privacy Policy you accepted, and when.

5. Your account

• You are responsible for the accuracy of the information you provide, including each Child's name, date of birth and school, and for keeping it up to date.
• Keep your login credentials confidential; you are responsible for activity under your Account.
• A Child does not have their own login; their profile is created and managed by you.
• Where a school has pre-registered a Child for an activity, you may link that Child to your Account using a one-time claim code. The school provides that information to us so the class can be arranged; how we handle it is described in the Privacy Policy. If you do not wish us to hold a Child's data you can tell us and we will delete it.
• You may delete your Account at any time from within the App, or from https://chessdubai.com/delete-account. On deletion we delete your and your Child's personal data, retaining only records we are legally required to keep. See the Privacy Policy, Section 10. Deleting a parent's Account cascades to every Child record attached to it.

6. The service

We provide chess classes, tournaments and related services. The classes shown to you depend on your Child's school, together with open academy sessions available to everyone. We may add, change, suspend or withdraw classes, sessions or features, and schedules may change. We will give you reasonable notice of material changes, and where we cancel or materially change a session you have already paid for, Section 9 applies.

7. Child safety and supervision

• Supervision. We are responsible for a Child from the start to the end of each Session at the agreed location. You are responsible for the Child before and after that, including drop-off and collection. Tell us in advance who is authorised to collect a Child.
• Safeguarding. We maintain a written child-safeguarding policy, available on request. All coaches and staff who work with Children are subject to background checks, including a good-conduct certificate, before they begin.
• Reporting duties. Our coaches and staff are under a legal duty under UAE law to report to the competent child protection authority anything that appears to threaten a Child's safety. We will make such a report where required, and we may not always be able to tell you first.
• Medical. Tell us about any medical condition, allergy or medication that a coach may need to know about, and keep it up to date. In an emergency we will seek medical assistance and contact you as soon as possible.
• Behaviour. Children and guardians are expected to treat coaches, staff, other families and venues with respect. Section 12 explains what happens if that does not happen.
• Insurance. We hold public liability insurance covering our activities.

8. Bookings, enrolment and payment

• Enrolling a Child reserves a place for the stated Term. Places are limited.
• A booking becomes a binding contract when we confirm it to you after payment (or full store-credit redemption) has been received. We will send you a confirmation and an electronic invoice for every purchase.
• Fees are charged per Term (or per tournament), shown in UAE Dirhams (AED), and all prices shown in the App and at checkout include VAT at the prevailing rate where applicable. TRN: 104078212800003.
• Payments are processed by our payment partner, Paymennt.com. Card details are entered directly with the payment partner and are not received or stored by us. Your use of the payment partner may be subject to its own terms.
• We do not add any surcharge for paying by card.
• You may pay for one or more Children in a single checkout, and may apply available store credit.

9. If we cancel, or a class does not go ahead

If we cancel a Session, do not provide it, or do not provide it properly, you choose between:

1. a full refund of the price of that Session;
2. a partial refund reflecting the part of the service not received; or
3. re-provision of the Session at a time we agree with you.

If you ask us to re-provide a Session and we refuse or delay, you are entitled to a full refund of the price paid. Refunds under this Section are made to your original payment method unless you ask us for store credit instead. We will process them within 14 days.

Where a Session cannot go ahead for reasons outside anyone's control — venue closure, weather, or a school closing — it is rescheduled or refunded at your election.

10. If you cancel, and store credit

Classes

• Cancel at least 24 hours before a Session and you receive the full value back, as store credit or, if you prefer, as a refund to your original payment method.
• Cancel within 24 hours, or do not attend, and we apply a cancellation charge of 50% of the Session price, reflecting the coach and venue we held open for you. Any balance is returned to you, as store credit or a refund, as you prefer.

Tournaments

• Cancel more than 7 days before the event and you receive a full refund.
• Cancel within 7 days and we apply a cancellation charge of 50%, reflecting costs already committed. Any balance is returned to you.

Store credit

• Store credit can be used only towards our own classes and tournaments.
• It is not transferable to another person and cannot be exchanged for cash.
• It expires 24 months after it is issued. We will remind you before it expires.
• If you close your Account, any unused store credit is refunded to your original payment method.
• Store credit issued in place of a refund does not reduce your rights under Section 9.

11. Communications

We contact you by email, by push notification, and by WhatsApp on the number you register — for lesson reminders, schedule changes, feedback, and payment notices. You choose which channels you want, separately, when you register and at any time afterwards in Settings → Communication preferences.

• Service messages relating to a booking you have made are part of the service.
• Optional messages (new terms, camps, offers) are sent only if you opt in, and you can opt out at any time without losing access to any part of the service.

The App works fully if you decline push notifications. See the Privacy Policy for how messaging data is handled.

12. Acceptable use and conduct

You agree not to misuse the App, interfere with its operation, attempt unauthorised access, or use it unlawfully.

We may suspend or end a Child's place, or your Account, where conduct puts the safety or enjoyment of others at risk or seriously breaches these Terms. Where we do, we refund the value of any Sessions you have paid for and not received, less any amount reasonably attributable to costs we cannot recover. We will tell you why, and you may ask us to review the decision.

13. Photography and images

We do not photograph Children, and we do not collect or use photographs of Children. In the App a Child is shown as a generated avatar, not a photograph. See the Privacy Policy, Section 8.

Please do not photograph or film other people's children at our sessions without their parent's consent.

14. Intellectual property

The App and its content (excluding your own content and third-party materials) are owned by Chess Knowledge FZE or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for its intended personal, non-commercial purpose.

Where you upload content (for example your own profile photo), you keep ownership of it and grant us only the limited permission we need to provide the service and to do what you have consented to.

15. Suspension and termination

We may suspend or terminate your access if you seriously breach these Terms or where required by law, subject to Section 12. You may stop using the App and delete your Account at any time. Provisions that by their nature should survive termination (for example payment obligations, liability, governing law) will survive.

16. Disclaimers and limitation of liability

We take reasonable care to deliver classes safely and to keep the App available. The App is provided on an "as is" basis and we do not guarantee that it will be uninterrupted or error-free.

To the maximum extent permitted by law, and subject to the paragraph below, our total liability to you in connection with these Terms is limited to the greater of the amount you paid us in the 12 months before the event giving rise to the claim and AED 10,000, and we are not liable for indirect or consequential loss.

Nothing in these Terms excludes or limits: liability for death or personal injury caused by our negligence; liability for fraud or fraudulent misrepresentation; your rights under the Consumer Laws; or any other liability that cannot lawfully be excluded or limited under UAE law.

17. Indemnity

You will be responsible for loss or damage we suffer that is caused by your deliberate misuse of the App, by your fraud, or by a Child's deliberate damage to a venue or equipment, to the extent that loss is directly caused by that conduct. This does not apply to anything caused or contributed to by us, and it does not affect your rights under the Consumer Laws.

18. Complaints and how to raise a problem

If something goes wrong, contact us through the complaints channel in the App, which is available at any time, or using Section 22. We will acknowledge your complaint, tell you who is handling it, and respond within 14 days.

If you are not satisfied, you may complain to the Ministry of Economy and Tourism or to the competent Department of Economic Development, and, for matters concerning personal data, to the UAE Data Office. Using our complaints process does not affect those rights.

19. Changes to these Terms

We may update these Terms from time to time. If a change is significant we will notify you in the App before it takes effect and ask you to accept the new version. Changes do not apply retrospectively to bookings you have already made and paid for. We record which version you accepted and when.

20. Governing law and dispute resolution

These Terms are governed by the federal laws of the United Arab Emirates as applied in the Emirate of Ras Al Khaimah. The onshore courts of Ras Al Khaimah have jurisdiction over any dispute, without affecting any right you have to bring a complaint or claim before another competent UAE authority.

21. General

• Severability — if any provision is unenforceable, the rest remain in effect.
• No waiver — failure to enforce a provision is not a waiver of it.
• Assignment — you may not assign these Terms; we may assign them to a successor, provided your rights are not reduced.
• Entire agreement — together with the Privacy Policy, these Terms are the entire agreement between you and us regarding the App.
• Force majeure — we are not liable for failure caused by events beyond our reasonable control; where such an event prevents a Session going ahead, Section 9 applies.
• Language — these Terms are published in English and Arabic. The Arabic version prevails.

22. Contact

Questions about these Terms, or help with your Account:

• Email: chessuae3@gmail.com
• WhatsApp: +971 58 558 0602 or +971 50 502 8145
• Call us: +971 50 502 8145
• In the App: the complaints channel, available at any time
• Operator: Chess Knowledge FZE, A4-219, Building no. A4, Al Hamra Industrial Zone-FZ, Ras Al Khaimah, United Arab Emirates