TERMS OF SERVICE - 

Last Updated: September 9, 2025

Company Information:

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

1. AGREEMENT TO TERMS

Welcome to Umma Shield. These Terms of Service ("Terms") govern your use of our website https://ummashield.com/ and the purchase of products from our online store.

By accessing our website or making a purchase, you agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

Parties to Agreement

• "Company," "we," "us," "our" refers to Umma Shield
• "Customer," "you," "your" refers to the person accessing our website or purchasing our products
• "Services" refers to our website, products, and customer service

Agreement Formation

This agreement is formed when you:

• Access or browse our website
• Create an account on our platform
• Place an order for any products
• Use any of our services

2. ABOUT UMMA SHIELD

Our Business

Umma Shield is an international e-commerce retailer specializing in:

• Athletic Wear: Men's, Women's, and Kids' sportswear
• Prayer Items: Prayer mats and religious accessories
• Sports Categories: Jersey, Running gear, Gym equipment, Accessories
• International Shipping: Worldwide delivery services

Business Location

We operate from Hong Kong and conduct business internationally. All business operations are subject to Hong Kong law and regulations.

3. ELIGIBILITY AND ACCOUNT REGISTRATION

Age Requirements

Minimum Age: You must be at least 18 years old to:

• Create an account
• Make purchases
• Enter into this agreement

Minors: If you are under 18:

• You must have parent or guardian consent
• Parent/guardian assumes responsibility for your actions
• Parent/guardian must approve all purchases

Account Creation

Account Information Must Be:

• Accurate: All information provided must be truthful and current
• Complete: Required fields must be filled out properly
• Updated: You must keep information current and accurate
• Secure: You are responsible for protecting your login credentials

Account Responsibilities

• Password Security: Keep your password confidential and secure
• Unauthorized Use: Notify us immediately of any unauthorized account access
• Account Activity: You are responsible for all activities under your account
• Single Account: One account per person/email address

4. PRODUCTS AND SERVICES

Product Categories

Men's Athletic Wear:

• Jerseys, running gear, gym clothing
• Sports accessories and equipment
• Performance and casual athletic wear

Women's Athletic Wear:

• Athletic clothing for all sports and activities
• Performance wear and casual sportswear
• Accessories and equipment

Kids' Athletic Wear:

• Youth sports clothing and accessories
• Age-appropriate athletic gear
• Safety-conscious designs

Prayer and Religious Items:

• Prayer mats and accessories
• Religious clothing and items
• Culturally appropriate products

Product Information

Accuracy Disclaimer:

• We strive for accurate product descriptions and images
• Colors may appear different due to monitor settings
• Actual products may vary slightly from images
• Specifications are subject to manufacturer changes

Availability:

• Product availability changes in real-time
• Items may sell out between browsing and purchase
• We reserve the right to limit quantities
• Seasonal items have limited availability

5. PRICING AND PAYMENT

Product Pricing

Price Display:

• All prices shown in the currency selected on website
• Prices include applicable taxes where required by law
• Shipping costs calculated separately at checkout
• International customers responsible for customs duties

Price Changes:

• Prices subject to change without notice
• Promotional prices have specific terms and expiration dates
• Price errors will be corrected and customers notified
• We reserve the right to cancel orders with pricing errors

Payment Methods

Accepted Payment Methods:

• Major credit cards (Visa, Mastercard, American Express)
• PayPal and other digital payment platforms
• Bank transfers (where available)
• Other payment methods as displayed at checkout

Payment Processing:

• Payments processed securely through third-party providers
• Payment information encrypted and protected
• We do not store complete credit card information
• Payment authorization required before order processing

Payment Terms

• Full Payment Required: Payment due in full at time of order
• Authorization: We may pre-authorize payment methods
• Failed Payments: Orders canceled if payment fails
• Refund Method: Refunds processed to original payment method

6. ORDER PROCESS AND FULFILLMENT

Order Placement

Order Steps:

1. Add items to shopping cart
2. Review cart contents and quantities
3. Enter shipping and billing information
4. Select shipping method
5. Review order total and terms
6. Complete payment process

Order Confirmation:

• Email confirmation sent immediately after order placement
• Confirmation includes order number and details
• Confirmation does not guarantee product availability
• Changes to confirmed orders may not be possible

Order Processing

Processing Timeline:

• Standard Processing: 1-3 business days
• Express Processing: Same day for orders before 2 PM HKT
• Peak Season: Extended processing times during busy periods
• Custom Orders: Additional processing time for special requests

Order Modifications:

• Before Processing: Contact customer service immediately for changes
• During Processing: Modifications may not be possible
• After Shipping: Changes not possible, returns may be required
• Cancellation: Orders may be canceled before processing begins

Fulfillment and Shipping

• All shipping terms governed by our separate Shipping Policy
• International shipping available to most countries
• Delivery times are estimates only
• Customer responsible for customs duties and taxes

7. INTELLECTUAL PROPERTY RIGHTS

Our Intellectual Property

Protected Content:

• Trademarks: "Umma Shield" and all related marks
• Copyrights: Website content, product descriptions, images
• Designs: Product designs, logos, and branding
• Trade Secrets: Business processes and proprietary information

Usage Restrictions:

• Content may not be copied, reproduced, or distributed
• Commercial use prohibited without written permission
• No creation of derivative works
• Unauthorized use may result in legal action

Limited License to Use

We Grant You:

• Non-exclusive license to browse our website
• Right to view content for personal shopping purposes
• Right to download order confirmations and receipts
• Right to print content for personal records

License Limitations:

• License is personal and non-transferable
• No commercial use permitted
• License terminates upon Terms violation
• No reverse engineering or data extraction

Customer Content

User-Generated Content:

• Product reviews and feedback
• Photos submitted with reviews
• Comments and social media posts
• Any content you submit to us

Rights You Grant Us:

• Non-exclusive right to use your content for marketing
• Right to edit or modify content for clarity
• Right to remove inappropriate content
• Worldwide, royalty-free license for business purposes

8. USER CONDUCT AND PROHIBITED ACTIVITIES

Acceptable Use

You Agree to Use Our Services:

• In compliance with all applicable laws
• For legitimate personal or business purposes
• Respectfully and professionally
• Without harming others or our business

Prohibited Activities

You Must NOT:

Legal Violations:

• Violate any local, national, or international laws
• Infringe on intellectual property rights
• Engage in fraudulent activities
• Violate export/import regulations

Technical Violations:

• Attempt to hack, crack, or gain unauthorized access to our systems
• Upload viruses, malware, or malicious code
• Interfere with website functionality or performance
• Use automated tools to access our website (except search engines)

Commercial Violations:

• Resell our products without authorization
• Use our content for commercial purposes without permission
• Compete with our business using our proprietary information
• Scrape or harvest data from our website

Behavioral Violations:

• Harass, threaten, or harm other users
• Submit false or misleading information
• Create multiple accounts to circumvent restrictions
• Engage in spam or unsolicited communications

Consequences of Violations

• Account Suspension: Temporary or permanent account suspension
• Order Cancellation: Cancellation of pending or future orders
• Legal Action: Pursuit of legal remedies for serious violations
• Reporting: Cooperation with law enforcement when appropriate

9. PRIVACY AND DATA PROTECTION

Privacy Policy Integration

Your privacy is governed by our separate Privacy Policy, which is incorporated into these Terms by reference.

Data Collection and Use

We Collect:

• Personal information for order processing
• Payment information for transaction processing
• Website usage data for improvements
• Communication records for customer service

We Use Data For:

• Order fulfillment and shipping
• Customer service and support
• Website improvement and analytics
• Marketing communications (with consent)

Data Protection Rights

You have rights regarding your personal data, including:

• Access: Right to access your personal information
• Correction: Right to correct inaccurate information
• Deletion: Right to request deletion of your data
• Portability: Right to export your data

10. WARRANTIES AND DISCLAIMERS

Limited Warranties

We Warrant That:

• Products are as described when shipped
• We have the right to sell the products
• Products are free from manufacturing defects (subject to manufacturer warranty)
• We will provide services with reasonable care and skill

Warranty Limitations

Warranties Do NOT Cover:

• Normal wear and tear
• Damage from misuse or abuse
• Damage from accidents or negligence
• Modifications made by customer

Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

"AS IS" BASIS:

• Products and services provided "as is" without additional warranties
• No warranty of merchantability or fitness for particular purpose
• No warranty that products will meet your specific requirements
• No warranty of uninterrupted or error-free service

PRODUCT PERFORMANCE:

• No guarantee of specific performance results from athletic wear
• Individual results may vary based on use and conditions
• Products may not be suitable for professional or competitive use
• Customer responsible for determining suitability for intended use

11. LIMITATION OF LIABILITY

Liability Limits

MAXIMUM LIABILITY: To the maximum extent permitted by law, our total liability to you is limited to:

• The amount you paid for the specific product or service, OR
• HK$1,000
• Whichever is less

Excluded Damages

WE ARE NOT LIABLE FOR:

• Indirect Damages: Consequential, incidental, or punitive damages
• Business Losses: Lost profits, revenue, data, or business opportunities
• Personal Injury: Except where prohibited by law
• Third-Party Claims: Claims made by third parties against you
• Force Majeure: Damages caused by events beyond our control

Exceptions to Limitations

Liability limitations may not apply where prohibited by law, including:

• Fraud or intentional misrepresentation
• Death or personal injury caused by our negligence
• Consumer rights that cannot be excluded by law
• Statutory warranties that cannot be limited

12. INDEMNIFICATION

Your Indemnification Obligations

You Agree to Indemnify Us Against Claims Arising From:

• Your violation of these Terms
• Your misuse of our products or services
• Your violation of any third-party rights
• Your illegal or unauthorized activities
• Inaccurate information you provide

Scope of Indemnification

Indemnification Includes:

• Legal fees and court costs
• Damages and settlements (pre-approved by us)
• Investigation costs
• Other reasonable expenses related to claims

Indemnification Process

• Prompt Notice: We will notify you promptly of any claims
• Defense Control: We may control defense of claims
• Cooperation: You must cooperate with defense efforts
• Settlement: No settlement without our consent

13. TERMINATION

Termination Rights

We May Terminate:

• Your account for Terms violations
• Your access to services for security reasons
• Services generally with reasonable notice
• Individual orders for business reasons

You May Terminate:

• Your account at any time
• Use of our services at any time
• Marketing communications through unsubscribe options

Effect of Termination

Upon Termination:

• Your right to use our services ends immediately
• Outstanding orders remain subject to these Terms
• Certain provisions survive termination (payment obligations, liability limitations)
• We may retain some information as legally required

Survival of Terms

Provisions That Survive Termination:

• Payment obligations for completed orders
• Intellectual property rights
• Limitation of liability
• Indemnification obligations
• Dispute resolution procedures

14. DISPUTE RESOLUTION

Governing Law

These Terms are governed by Hong Kong law, without regard to conflict of law principles.

Jurisdiction and Venue

Legal Proceedings:

• Disputes resolved in Hong Kong courts
• You consent to personal jurisdiction in Hong Kong
• Hong Kong courts have exclusive jurisdiction over disputes
• You waive objections to Hong Kong venue

Dispute Resolution Process

Step 1: Direct Communication

• Contact customer service first: contact@ummashield.com
• Good faith effort to resolve disputes directly
• 30-day period for direct resolution attempts

Step 2: Mediation

• Non-binding mediation for unresolved disputes
• Mediation in Hong Kong under Hong Kong mediation rules
• Costs shared equally between parties

Step 3: Legal Action

• Court proceedings as last resort
• Individual claims only (class action waiver)
• One-year time limit for bringing claims

Class Action Waiver

To the extent permitted by law:

• You waive rights to participate in class action lawsuits
• Disputes must be resolved individually
• No consolidation with other customer claims
• This does not affect your statutory consumer rights

15. FORCE MAJEURE

Events Beyond Our Control

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

Natural Events:

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

Human Events:

• War, terrorism, civil unrest
• Government actions, regulations, sanctions
• Labor strikes, work stoppages
• Supplier failures

Technical Events:

• Cyber attacks, system failures
• Internet or communication outages
• Power failures, infrastructure damage

Force Majeure Response

During Force Majeure Events:

• Performance of obligations may be suspended
• Timelines extended as necessary
• Alternative solutions provided when possible
• Regular communication about impacts and expected resolution

16. GENERAL PROVISIONS

Entire Agreement

These Terms, together with our Privacy Policy, Shipping Policy, Return Policy, and other referenced policies, constitute the entire agreement between you and Umma Shield.

Severability

If any provision of these Terms is found invalid or unenforceable:

• The remainder of the Terms remain in full effect
• Invalid provisions replaced with similar valid terms when possible
• Overall intent and purpose of agreement preserved

No Waiver

• Our failure to enforce any provision does not waive our right to enforce it later
• Waiver of one violation does not waive future violations
• All waivers must be in writing and signed by us

Assignment

• You may not transfer these Terms or your account to another party
• We may assign these Terms to affiliates or in connection with business transfers
• Assignment does not affect your rights under these Terms

Updates to Terms

Modification Process:

• Terms may be updated periodically
• Updated Terms posted on our website with new effective date
• Material changes communicated via email notice
• Continued use constitutes acceptance of updated Terms

17. CONTACT INFORMATION

Customer Service

For questions about these Terms or our services:

Umma Shield Customer Service

• Email: contact@ummashield.com
• Subject Line: Terms of Service Inquiry
• Phone: [Your Phone Number] (if available)
• Address: 50 Bonham Strand, Sheung Wan, Hong Kong
• Business Hours: [Your Business Hours]
• Response Time: Within 24-48 hours

Legal Notices

For formal legal notices:

• Written Notice Required: Legal notices must be in writing
• Proper Address: Send to our registered business address
• Email Copy: Also send copy to contact@ummashield.com
• Delivery Confirmation: Use trackable delivery method

Emergency Contact

For urgent issues requiring immediate attention:

• Email: contact@ummashield.com with "URGENT" in subject line
• Account Security Issues: Report immediately
• Fraudulent Activity: Report suspected fraud immediately
• Website Security Concerns: Report security vulnerabilities

ACKNOWLEDGMENT AND ACCEPTANCE

By using our website, creating an account, or making a purchase, you acknowledge that:

1. You have read and understood these Terms of Service
2. You agree to be legally bound by these Terms
3. You are eligible to enter into this agreement
4. You understand the limitations and disclaimers contained herein
5. You consent to the jurisdiction and governing law specified

If you do not agree to these Terms, you must discontinue use of our services immediately.

For questions or concerns about these Terms, please contact us at contact@ummashield.com

These Terms of Service are effective as of [Date] and supersede all previous versions.