DISCLAIMER - 

Last Updated: [Date]

Company Information:

• Company Name: NoCap Pay Limited 
• Address: 50 Bonham Strand, Sheung Wan, Hong Kong
• Website: https://ummashield.com/
• Email: contact@ummashield.com

1. GENERAL DISCLAIMER

The information contained on the Umma Shield website (https://ummashield.com/) is provided on an "as is" basis. To the fullest extent permitted by law, Umma Shield:

• Excludes all representations and warranties relating to this website and its contents
• Excludes all liability for damages arising out of or in connection with your use of this website

This disclaimer applies to all users, customers, and visitors of our website and services.

2. WEBSITE CONTENT DISCLAIMER

Information Accuracy

• No Guarantee of Accuracy: While we strive to provide accurate information, we make no representations or warranties about the accuracy, reliability, completeness, or timeliness of the content on our website
• Information Changes: Product information, prices, availability, and other details may change without notice
• Third-Party Content: We are not responsible for the accuracy of information provided by third parties
• Translation Errors: Information translated into different languages may contain inaccuracies

Product Information

• Product Descriptions: Product descriptions, images, and specifications are provided for general information only
• Color Variations: Actual product colors may vary from those displayed due to monitor settings and photographic lighting
• Size Variations: Actual product dimensions may vary slightly from specifications
• Availability: Product availability is subject to change without notice

3. PRODUCT PERFORMANCE DISCLAIMER

Athletic Wear Performance

• No Performance Guarantees: We make no warranties regarding the performance capabilities of our athletic wear, jerseys, running gear, or gym accessories
• Individual Results: Product performance may vary based on individual use, body type, activity level, and environmental conditions
• Fitness Suitability: Products are not guaranteed to be suitable for any specific sport, activity, or fitness level
• Professional Use: Products are designed for general consumer use and may not meet professional or competitive standards

Prayer Products

• Religious Compliance: While we strive to provide prayer mats and religious items that respect Islamic traditions, we make no warranties regarding religious compliance or authenticity
• Individual Interpretation: Religious requirements may vary by individual interpretation and regional practices
• Quality Standards: Prayer mats are manufactured to general quality standards but may not meet specific religious or cultural requirements

Durability and Lifespan

• No Durability Guarantees: We do not guarantee the lifespan, durability, or wear resistance of any products
• Normal Wear: Products are subject to normal wear and tear with use
• Care Requirements: Product lifespan depends on proper care and use as outlined in care instructions

4. HEALTH AND SAFETY DISCLAIMER

Physical Activity

• Consult Healthcare Professionals: Before beginning any exercise program or using athletic wear, consult with qualified healthcare professionals
• Individual Health Conditions: Consider your individual health conditions, limitations, and fitness level
• No Medical Advice: We do not provide medical advice or recommendations regarding exercise, nutrition, or health
• Risk Assumption: Use of athletic products involves inherent risks that users assume

Allergies and Sensitivities

• Material Sensitivities: We are not responsible for allergic reactions or skin sensitivities to product materials
• Ingredient Disclosure: While we provide material information when available, we cannot guarantee complete allergen information
• Individual Testing: Users with known sensitivities should test products before extended use
• Medical Consultation: Consult healthcare professionals if you have concerns about material sensitivities

Product Safety

• Proper Use: Products should be used only for their intended purposes
• Safety Instructions: Follow all care and safety instructions provided
• Age Appropriateness: Ensure products are appropriate for the intended user's age and size
• Supervision: Children should be supervised when using products

5. TECHNICAL DISCLAIMER

Website Functionality

• No Uptime Guarantee: We do not guarantee uninterrupted access to our website
• Technical Issues: Website functionality may be affected by technical issues, maintenance, or third-party service problems
• Browser Compatibility: Website functionality may vary across different browsers and devices
• Third-Party Services: We rely on third-party services (Shopify, payment processors) and are not responsible for their performance

Data Security

• Security Measures: While we implement security measures, we cannot guarantee absolute security
• Data Transmission: Internet data transmission carries inherent security risks
• Third-Party Security: We are not responsible for the security practices of third-party service providers
• User Responsibility: Users are responsible for maintaining the security of their account credentials

Payment Processing

• Payment Processor Responsibility: Payment processing is handled by third-party providers subject to their terms and conditions
• Transaction Issues: We are not responsible for payment processing errors or delays
• Currency Fluctuations: International transactions may be subject to currency exchange rate fluctuations
• Bank Fees: Customers are responsible for any fees charged by their financial institutions

6. INTERNATIONAL SHIPPING DISCLAIMER

Delivery Limitations

• No Delivery Guarantees: Delivery times are estimates only and not guaranteed
• Customs Delays: International shipments may be delayed by customs processing
• Shipping Restrictions: Some locations may have shipping restrictions or limitations
• Force Majeure: Delivery may be affected by events beyond our control

Import Regulations

• Customer Responsibility: Customers are responsible for compliance with import regulations
• Prohibited Items: Some products may be prohibited or restricted in certain countries
• Customs Duties: Customers are responsible for all customs duties, taxes, and fees
• Documentation: Additional documentation may be required for certain shipments

Risk of Loss

• Title Transfer: Risk of loss transfers to customer upon delivery to shipping carrier
• Insurance: Additional insurance may be available for purchase
• Carrier Liability: Shipping issues are subject to carrier terms and limitations
• Tracking Limitations: Tracking information may be limited in some destinations

7. PRICING AND AVAILABILITY DISCLAIMER

Price Accuracy

• Pricing Errors: Prices are subject to change and may contain errors
• Currency Display: Prices displayed may not reflect current exchange rates
• Tax Inclusion: Tax inclusion varies by jurisdiction and may not be displayed
• Promotional Pricing: Promotional prices are subject to terms and time limitations

Product Availability

• Stock Limitations: Product availability is subject to current stock levels
• Discontinued Items: Products may be discontinued without notice
• Seasonal Items: Some products may be available only seasonally
• Pre-Order Items: Pre-order availability and delivery dates are estimates

8. THIRD-PARTY DISCLAIMER

External Links

• Third-Party Websites: Our website may contain links to third-party websites
• No Endorsement: Links do not constitute endorsement of third-party content or services
• Third-Party Terms: Use of third-party websites is subject to their terms and conditions
• No Responsibility: We are not responsible for third-party website content or practices

Service Providers

• Shopify Platform: Our e-commerce platform is provided by Shopify Inc.
• Payment Processors: Payment processing is handled by third-party providers
• Shipping Carriers: Shipping services are provided by third-party carriers
• Independent Operations: Third-party providers operate independently and are subject to their own terms

Social Media

• Platform Policies: Social media interactions are subject to platform policies
• Content Accuracy: We are not responsible for user-generated content on social media
• Third-Party Actions: We are not responsible for actions taken by social media platforms
• Account Suspension: Social media accounts may be subject to platform restrictions

9. INTELLECTUAL PROPERTY DISCLAIMER

Trademark Rights

• Our Trademarks: "Umma Shield" and related marks are our intellectual property
• Third-Party Trademarks: Third-party trademarks are owned by their respective owners
• No Infringement: We do not intend to infringe on any third-party intellectual property rights
• Rights Reservation: We reserve all rights in our intellectual property

Content Usage

• Limited License: Users receive limited license to view website content for personal use
• Reproduction Restrictions: Website content may not be reproduced without permission
• Commercial Use: Commercial use of website content is prohibited without authorization
• Copyright Notice: All content is protected by copyright and other intellectual property laws

10. LIMITATION OF LIABILITY

Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Limited Liability: Our total liability is limited to the amount paid for the specific product or service
• Exclusion of Damages: We exclude liability for indirect, consequential, punitive, or special damages
• Business Losses: We are not liable for loss of profits, revenue, data, or business opportunities
• Third-Party Claims: We are not liable for third-party claims or actions

Exceptions to Limitations

Liability limitations may not apply to:

• Fraud or Misrepresentation: Fraudulent acts or willful misrepresentation
• Death or Personal Injury: Claims arising from our negligence causing death or personal injury
• Statutory Rights: Consumer rights that cannot be excluded by law
• Mandatory Laws: Liability that cannot be limited under applicable law

Time Limitations

• Claim Period: Claims must be brought within one year of the cause of action arising
• Discovery Period: Time limits may begin from date of discovery of the issue
• Statute of Limitations: Claims are subject to applicable statutes of limitations
• Notice Requirements: Prompt notice of claims may be required

11. INDEMNIFICATION

Customer Indemnification

Users agree to indemnify and hold harmless Umma Shield from claims arising from:

• Misuse of Products: Improper use of products contrary to instructions
• Violation of Terms: Breach of our Terms of Service or other policies
• Third-Party Rights: Infringement of third-party rights
• Illegal Activities: Any illegal or unauthorized activities

Scope of Indemnification

Indemnification includes:

• Legal Costs: Reasonable attorney fees and legal expenses
• Damages: Judgments and settlements approved by us
• Defense Costs: Costs of defending against claims
• Related Expenses: Other reasonable costs related to claims

12. GOVERNING LAW AND JURISDICTION

Applicable Law

• Hong Kong Law: This disclaimer is governed by Hong Kong law
• International Transactions: International sales may be subject to additional laws
• Consumer Protection: Consumer protection laws may provide additional rights
• Conflict Resolution: Legal conflicts resolved according to Hong Kong legal principles

Jurisdiction

• Hong Kong Courts: Legal disputes subject to Hong Kong court jurisdiction
• Venue Selection: We may choose appropriate venue for legal proceedings
• International Enforcement: Judgments may be enforced in other jurisdictions as permitted by law
• Alternative Dispute Resolution: Mediation or arbitration may be available for certain disputes

13. FORCE MAJEURE

Events Beyond Our Control

We are not liable for delays or failures caused by events beyond our reasonable control, including:

Natural Events:

• Natural disasters, earthquakes, floods, fires
• Severe weather conditions
• Pandemic or epidemic diseases
• Environmental catastrophes

Human Events:

• War, terrorism, civil unrest
• Government actions, sanctions, trade restrictions
• Labor strikes, work stoppages
• Cyber attacks, system failures

Business Events:

• Supplier failures or shortages
• Shipping carrier delays or restrictions
• Payment processor outages
• Third-party service interruptions

Effect of Force Majeure

During force majeure events:

• Performance Suspension: We may suspend performance of obligations
• Timeline Extension: Delivery and performance timelines may be extended
• Alternative Solutions: We will attempt to provide reasonable alternatives when possible
• Communication: We will communicate about force majeure impacts when possible

14. CONSUMER RIGHTS

Statutory Consumer Rights

Nothing in this disclaimer affects your statutory consumer rights, including:

• Right to Conforming Goods: Products that match their description
• Right to Refund: Refunds for defective or unsatisfactory goods
• Right to Repair or Replace: Remedies for defective products
• Right to Compensation: Compensation for certain types of losses

Regional Consumer Protections

Consumer rights may vary by jurisdiction:

• European Union: EU consumer protection laws apply to EU customers
• United States: State consumer protection laws may apply
• Australia: Australian Consumer Law protections apply
• Other Jurisdictions: Local consumer protection laws apply as applicable

Unfair Contract Terms

• Reasonable Terms: We aim to provide fair and reasonable terms
• Legal Review: Terms are subject to legal review for fairness
• Consumer Consultation: Consumer feedback is considered in policy development
• Legal Compliance: Terms comply with applicable consumer protection laws

15. ACCESSIBILITY

Website Accessibility

• Accessibility Standards: We strive to meet web accessibility standards
• Assistive Technology: Website designed to work with common assistive technologies
• Accessibility Issues: Report accessibility problems to customer service
• Ongoing Improvement: We continuously work to improve accessibility

Product Accessibility

• Size Range: We offer products in various sizes when possible
• Adaptive Features: Some products may include adaptive features
• Special Needs: Contact us for special accommodation requests
• Individual Assessment: Accessibility needs vary by individual

16. ENVIRONMENTAL DISCLAIMER

Environmental Claims

• Best Efforts: We make best efforts to provide accurate environmental information
• Manufacturing Impact: Environmental impact may vary by manufacturing processes
• Transportation Impact: Shipping has environmental implications
• Continuous Improvement: We work to reduce environmental impact when possible

Sustainability Information

• Material Sourcing: Information about material sourcing provided when available
• Recycling: Recycling information provided when available
• Packaging: We aim to use responsible packaging practices
• Lifecycle Impact: Consider full product lifecycle environmental impact

17. POLICY INTEGRATION

Related Policies

This disclaimer should be read together with:

• Terms of Service: Legal agreement for use of our services
• Privacy Policy: How we collect, use, and protect personal information
• Shipping Policy: Terms and conditions for international shipping
• Return Policy: Procedures and conditions for returns and refunds
• Cookie Policy: Information about our use of cookies and tracking

Policy Hierarchy

In case of conflicts between policies:

1. Specific Provisions: Specific policy provisions take precedence over general ones
2. Recent Updates: More recently updated policies take precedence
3. Legal Requirements: Mandatory legal requirements override contractual terms
4. Consumer Protection: Consumer protection laws override contractual limitations

18. UPDATES AND MODIFICATIONS

Policy Updates

• Regular Review: This disclaimer is reviewed periodically for accuracy and compliance
• Legal Changes: Updates may be required due to changes in applicable laws
• Business Changes: Updates may be needed due to changes in our business practices
• Customer Feedback: Customer feedback may influence policy updates

Notification of Changes

• Website Posting: Updated disclaimer posted on our website
• Email Notification: Email notice sent for material changes (if subscribed)
• Effective Date: Changes become effective on the date specified
• Continued Use: Continued use of our services constitutes acceptance of updated disclaimer

19. SEVERABILITY

Invalid Provisions

If any part of this disclaimer is found to be invalid or unenforceable:

• Remainder Validity: The rest of the disclaimer remains valid and enforceable
• Replacement Provision: Invalid provisions replaced with similar valid terms when possible
• Intent Preservation: The overall intent and purpose of the disclaimer is preserved
• Legal Compliance: Replacements comply with applicable laws

Interpretation

• Good Faith: All provisions interpreted in good faith
• Commercial Reasonableness: Terms interpreted to be commercially reasonable
• Legal Advice: Parties encouraged to seek legal advice for interpretation questions
• Clear Language: We strive to use clear, understandable language

20. CONTACT INFORMATION

Questions About This Disclaimer

For questions, concerns, or clarifications about this disclaimer:

Umma Shield Legal Department

• Email: contact@ummashield.com
• Subject Line: Disclaimer Inquiry
• Phone: [Your Phone Number] (if available)
• Address: 50 Bonham Strand, Sheung Wan, Hong Kong
• Response Time: Within 3-5 business days

Legal Notices

For formal legal notices or claims:

• Written Notice Required: Legal notices must be in writing
• Proper Address: Use our registered business address
• Service Requirements: Follow applicable legal service requirements
• Documentation: Include all relevant documentation with legal notices

Customer Service

For general customer service inquiries unrelated to legal matters:

• Email: contact@ummashield.com
• Response Time: Within 24-48 hours
• Business Hours: [Your Business Hours]
• Support Topics: Product questions, orders, shipping, returns

FINAL NOTICE: This disclaimer is designed to provide important information about the limitations of our services and legal protections for our business. It does not limit your statutory consumer rights under applicable law. If you have questions about how this disclaimer affects your rights or obligations, we recommend consulting with qualified legal counsel.

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.