General Terms & Conditions

Last updated: August 26, 2026

1. Scope and Purpose

These General Terms & Conditions (“Terms”) govern access to and use of websites, digital platforms and online resources operated by or on behalf of AFETOP (“AFETOP”, “we”, “us” or “our”), including afetop.com and its official activity‑specific websites and subdomains.

These Terms establish the general legal framework applicable to the use of AFETOP's digital presence and services.

AFETOP operates through different professional activities and divisions, which may include, without limitation:

• Oil & Gas and Petroleum;
• Finance & Investment;
• International Trade;
• Business Development and International Business Intermediation;
• Professional and strategic advisory services;
• Other activities expressly presented through official AFETOP channels.

Activity‑specific websites may contain additional terms, disclaimers or conditions applicable to the relevant activity. Such provisions supplement these General Terms and prevail where they expressly address a matter specific to that activity.

2. AFETOP and Its Role

AFETOP provides professional business intermediation, advisory, facilitation, business development and related services, depending on the activity concerned.

Unless expressly stated otherwise in a separate written agreement, AFETOP does not act as:

• the seller or producer of goods offered by third parties;
• the buyer or final purchaser of goods;
• the owner or issuer of financial assets or banking instruments;
• a bank, financial institution, investment fund or securities issuer;
• the principal in a transaction merely because AFETOP facilitates or introduces the parties;
• a guarantor of the performance, solvency or obligations of any third party.

AFETOP's precise role in a particular transaction or business relationship shall be determined by the applicable written agreement, mandate, authorization, contract or other formal documentation.

3. Website Information

The content published on AFETOP websites is provided primarily for general informational and professional purposes.

AFETOP makes reasonable efforts to ensure that published information is accurate, relevant and up to date. However, AFETOP does not warrant that all information will always be complete, current, error‑free or continuously available.

Information published on an AFETOP website must not, by itself, be interpreted as:

• a binding offer;
• an acceptance of an offer;
• a contractual commitment;
• a guarantee of availability, price, performance or execution;
• a financial recommendation;
• an investment recommendation;
• a solicitation to enter into a transaction where applicable law requires a regulated form of solicitation.

Any transaction, mandate, engagement or commercial relationship shall be governed by the applicable contractual documentation executed by the relevant parties.

4. No Guarantee of Third‑Party Performance

AFETOP may introduce, connect, facilitate communications between, or otherwise assist relationships involving independent third parties.

AFETOP does not guarantee the:

• identity, solvency or financial capacity of a third party beyond the scope of any expressly agreed due diligence;
• availability of goods, products, services, assets or financing;
• accuracy of information supplied by third parties;
• performance of sellers, buyers, investors, financiers, banks, brokers, mandates, agents, suppliers or other counterparties;
• successful completion of any transaction.

Where AFETOP performs verification, screening or due diligence, the scope of such activity shall be determined by the relevant mandate, procedure or agreement.

5. Separate Contracts and Transaction Documents

The use of an AFETOP website does not create a commercial, financial, agency, brokerage, investment or contractual relationship beyond what is expressly established in writing.

Specific transactions and professional engagements may be governed by separate documentation, including, where applicable:

• mandates;
• representation agreements;
• confidentiality agreements;
• non‑circumvention and non‑disclosure agreements;
• fee and commission agreements;
• memoranda of understanding;
• offers and purchase documents;
• sales and purchase agreements;
• financing agreements;
• investment agreements;
• other transaction‑specific contractual documents.

Where such documentation exists, it shall govern the specific transaction or relationship according to its terms.

Nothing contained in these website Terms shall be interpreted as replacing, modifying or overriding a separately executed agreement unless expressly provided otherwise.

6. Activity‑Specific Terms

Certain AFETOP websites and services may be subject to additional terms specific to the relevant activity.

These may include, without limitation:

• AFETOP Petroleum
  Additional provisions relating to Oil & Gas, petroleum products, buyers, sellers, mandates, transaction procedures, documentation, due diligence, logistics and commercial intermediation.
• AFETOP Finance & Investment
  Additional provisions relating to financing, investment opportunities, financial intermediation, funding parties, investors, financial instruments and related professional services.
• AFETOP International Trade
  Additional provisions relating to international commercial transactions, commodities, suppliers, buyers, trade documentation and business intermediation.

Where an activity‑specific provision conflicts with these General Terms regarding a matter expressly addressed by the activity‑specific provision, the activity‑specific provision shall prevail for that activity.

7. Professional Intermediation

AFETOP may facilitate introductions, communications, negotiations, information exchange and business relationships between independent parties.

Unless expressly agreed otherwise in writing, AFETOP does not have authority to:

• bind a third party to a transaction;
• accept contractual obligations on behalf of a third party;
• make representations or warranties on behalf of a third party;
• guarantee the execution of a transaction;
• assume the contractual obligations of a seller, buyer, investor, financier, supplier or other counterparty.

Any authority granted to AFETOP shall arise only from an express written mandate or authorization.

8. Fees, Commissions and Compensation

Where AFETOP is entitled to fees, commissions, success fees or other compensation, such entitlement shall arise from the applicable written agreement, mandate or transaction documentation.

Publication of information on an AFETOP website does not by itself establish an obligation to pay a commission or fee.

Where a transaction involves multiple intermediaries, mandates, representatives or commercial parties, the respective rights and obligations concerning commissions and compensation shall be determined by the applicable written agreements.

9. Compliance and Lawful Use

Users shall use AFETOP websites and services only for lawful purposes.

Users must not use an AFETOP website or service to:

• conduct fraudulent activities;
• misrepresent their identity, authority or corporate affiliation;
• provide false, misleading or materially incomplete information;
• facilitate unlawful transactions;
• circumvent applicable sanctions, export controls, anti‑money‑laundering requirements or other applicable laws;
• interfere with the security or operation of AFETOP systems;
• attempt unauthorized access to systems, accounts or information;
• transmit malicious code or harmful material;
• infringe the rights of AFETOP or third parties.

AFETOP reserves the right to refuse, suspend or terminate access or communications where it reasonably considers that continued interaction may create legal, regulatory, security or reputational risks.

10. Due Diligence and Verification

Depending on the nature of a service or transaction, AFETOP may request corporate, identification, financial, commercial or other information for verification, compliance, due diligence or transaction‑processing purposes.

The submission of documents or information does not guarantee acceptance of a party, transaction or project.

AFETOP may request additional information, suspend discussions or decline to proceed where the information provided is insufficient, inconsistent, unverifiable or raises compliance concerns.

11. Confidential Information

Information exchanged with AFETOP may be subject to confidentiality obligations established by separate agreements.

Users must not assume that information is confidential solely because it has been obtained through an AFETOP website.

Where confidentiality is required, AFETOP may require execution of a separate confidentiality, non‑disclosure or non‑circumvention agreement before disclosing certain information.

12. Intellectual Property

Unless otherwise stated, all content made available through AFETOP websites, including:

• names and logos;
• trademarks;
• text;
• graphics;
• photographs;
• videos;
• documents;
• designs;
• layouts;
• databases;
• software and code;
• original materials;

is owned by, licensed to, or otherwise lawfully used by AFETOP and is protected by applicable intellectual property laws.

No content may be reproduced, distributed, modified, commercially exploited or otherwise used without prior written authorization from AFETOP, except where expressly permitted by applicable law.

13. User‑Submitted Information

Where users submit information, documents, files or other materials through AFETOP websites or communication channels, they represent that they have the right and authority to provide such information.

Users remain responsible for the accuracy, legality and completeness of information they submit.

AFETOP may process submitted information in accordance with its Privacy Policy and applicable law.

14. Personal Data Protection

Personal data collected through AFETOP websites and services is processed in accordance with applicable data protection laws and AFETOP's Privacy Policy.

The Privacy Policy explains, among other matters:

• categories of personal data collected;
• purposes of processing;
• applicable legal bases where required;
• recipients and categories of recipients;
• retention principles;
• international transfers where applicable;
• users' rights;
• methods for contacting AFETOP regarding personal data.

The Privacy Policy forms an integral part of the legal framework applicable to AFETOP's websites.

15. External Websites and Third‑Party Content

AFETOP websites may contain links to websites, platforms, documents or resources operated by third parties.

Such links are provided for convenience or informational purposes.

AFETOP does not control third‑party websites and does not assume responsibility for their content, availability, security, privacy practices, products, services or activities.

Users access third‑party websites at their own risk and should review the applicable terms and privacy policies of those third parties.

16. Availability and Technical Limitations

AFETOP aims to maintain the availability and security of its websites but does not guarantee uninterrupted or error‑free operation.

Websites may temporarily become unavailable due to:

• maintenance;
• technical failures;
• hosting or network issues;
• cybersecurity incidents;
• updates;
• force majeure;
• circumstances beyond AFETOP's reasonable control.

AFETOP shall not be responsible for losses resulting solely from temporary unavailability of a website, except where liability cannot lawfully be excluded or limited.

17. Limitation of Liability

To the maximum extent permitted by applicable law, AFETOP shall not be liable for indirect, incidental, consequential or unforeseeable losses arising from or related to:

• use of or inability to use an AFETOP website;
• reliance on general website information;
• third‑party information;
• third‑party conduct or failure to perform;
• unsuccessful negotiations or transactions;
• interruption of communications;
• external websites or services;
• unauthorized access or events beyond AFETOP's reasonable control.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

18. No Professional or Investment Advice

Unless expressly agreed under a specific professional engagement, information published through AFETOP websites does not constitute individualized legal, tax, accounting, financial or investment advice.

Users should obtain appropriate professional advice before making decisions that may have legal, financial, commercial or regulatory consequences.

19. International Activities

AFETOP may work with clients, partners, suppliers, buyers, sellers, investors, financial institutions, professional intermediaries and other counterparties located in different countries.

Users are responsible for complying with laws and regulations applicable to their own jurisdiction and activities.

AFETOP does not represent that all services, information, products or opportunities presented through its websites are available or lawful in every jurisdiction.

Access to particular services or transactions may therefore be restricted according to applicable law, regulatory requirements, sanctions, compliance considerations or AFETOP's internal policies.

20. Amendments to These Terms

AFETOP may update or amend these Terms from time to time.

The latest version published on the relevant AFETOP website shall supersede previous versions for future use of that website, subject to applicable law and any contractual rights already established.

The date of the latest update shall be indicated at the beginning of these Terms.

21. Severability

If any provision of these Terms is determined to be invalid, unlawful or unenforceable, the remaining provisions shall remain in full force and effect to the extent permitted by applicable law.

The invalid or unenforceable provision shall, where legally possible, be interpreted or replaced in a manner that most closely reflects its original purpose.

22. No Waiver

Failure by AFETOP to exercise or enforce any right or provision under these Terms shall not constitute a waiver of that right or provision.

23. Applicable Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Morocco, subject to any mandatory provisions of law that may apply.

Any dispute arising out of or in connection with these Terms or the use of an AFETOP website shall, subject to any mandatory jurisdictional rules applicable to the matter, fall within the jurisdiction of the competent courts of Morocco.

Where a separate written agreement applicable to a specific transaction or professional engagement contains its own governing‑law and dispute‑resolution provisions, those provisions shall govern that specific contractual relationship to the extent legally applicable.

24. Entire Framework

These General Terms form part of the general legal framework governing AFETOP's websites and digital activities.

They should be read together with any applicable:

• Activity‑Specific Terms;
• Privacy Policy;
• Cookie Policy;
• Legal Notice;
• Disclaimer;
• transaction‑specific agreements;
• professional mandates;
• other contractual documents expressly applicable to the relevant relationship.

No provision of these website Terms shall be interpreted as creating a contractual obligation beyond the scope expressly established by AFETOP or by a separate written agreement.

25. Contact

For questions concerning these Terms or the use of AFETOP websites:

AFETOP
Morocco
Email: contact@afetop.com
Website: afetop.com

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AFETOP Group
Connecting Expertise. Building Value.