As the UAE prepares for the 53rd Eid Al Etihad celebrations, Dubai Police have issued strict guidelines for motorists to ensure a safe and enjoyable holiday. The public is urged to adhere to traffic rules and event-specific regulations to avoid fines and vehicle impoundments.
Major General Saif Muhair Al Mazrouei, Acting Assistant Commandant for Operations Affairs and Head of the Event Security Committee, highlighted key restrictions:
Prohibited Activities: Avoid organizing or participating in random marches or gatherings, using party sprays, or engaging in reckless driving behaviors such as stunts.
Vehicle Compliance: License plates must remain visible at all times, and vehicles should not have stickers, signs, or logos unless approved for Eid Al Etihad. Alterations such as windshield tinting, excessive noise modifications, or unlicensed features are banned.
Passenger Safety: Overcrowding vehicles, allowing passengers to hang out of windows or sunroofs, or blocking visibility with sunshades or stickers is strictly prohibited.
Violations under Decree No. 30 of 2023 may result in vehicle impoundment, with fines reaching up to Dh50,000 for their release.
To ensure smooth traffic flow and public safety, Dubai Police will deploy extensive resources, including traffic patrols, to prevent congestion and maintain order. Motorists are urged to follow instructions from police officers and adhere to all regulations to reflect the UAE’s reputation for safe and organized celebrations.
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The UAE’s vibrant digital economy is flourishing, making it an ideal time to start your online business. Whether you're launching a website, opening an online store, or creating a business account on social media, there are essential requirements you need to meet to operate legally. One key step is obtaining a No Objection Certificate (NoC) from the UAE’s Telecommunications and Digital Government Regulatory Authority (TDRA). Here's everything you need to know about this process.
The NoC for practising e-activity is a legal authorization provided by the TDRA that allows individuals and businesses to conduct commercial activities online. This certificate is necessary for engaging in e-commerce or other online services in the UAE.
Whether you’re practicing a commercial activity in a personal capacity or as an established business, the TDRA issues this NoC to ensure compliance with UAE’s regulations on digital and e-commerce activities.
If you plan to sell goods or services online, you must adhere to the regulatory framework set by the UAE. This framework includes obtaining an e-commerce license and applying for a NoC for practising e-activity. The NoC ensures your business aligns with UAE laws and protects consumer interests.
Both individuals and businesses are eligible to apply for the NoC. Whether you’re running a small-scale operation from home or managing a larger e-commerce business, the TDRA’s NoC is a mandatory requirement.
Starting an online business in the UAE is a lucrative opportunity, but compliance with regulatory requirements is crucial. By obtaining an e-commerce license and a NoC from TDRA, you can operate your business legally and build a trusted brand. For detailed guidance, visit the TDRA website and get started on your entrepreneurial journey today.
As the UAE gears up to celebrate Eid Al Etihad on December 2, marking the country’s 53rd National Day, the Ministry of Interior has issued 14 guidelines to ensure public safety during the festivities. These rules are designed to maintain order, prevent disruptions, and create a safe environment for all.
Traffic and Vehicle Guidelines
Avoid participating in or organizing random marches or gatherings.
Follow traffic rules and obey police instructions at all times.
Refrain from using party sprays on roads, whether as a driver, passenger, or pedestrian.
Keep vehicle license plates visible and avoid altering the vehicle’s color or tinting front windows.
Stickers, signs, or logos are permitted only if they adhere to official Eid Al Etihad guidelines.
Do not exceed the permitted number of passengers or allow anyone to lean out of windows or sunroofs.
Avoid unauthorized modifications or additions to vehicles that cause noise or obstruct vision.
Do not obstruct traffic, block roads, or perform stunts on any roads.
Ensure visibility by not covering vehicle windows with stickers or using sunshades that block the driver’s view.
Raise only the UAE flag; flags of other countries are not allowed.
Event-Specific Rules
Scarves worn during celebrations should align with Eid Al Etihad themes.
Songs and chants should be limited to those officially associated with National Day celebrations.
Drivers and decoration shops must ensure that only approved stickers and UAE flags are affixed to vehicles.
National Day Highlights Across the Emirates
This year’s Eid Al Etihad holiday provides a four-day weekend, with public holidays falling on Monday, December 2, and Tuesday, December 3. Here’s what’s happening across the UAE:
Dubai: Festivities span six days (November 28 to December 3), featuring acrobatic performances, musical shows, fireworks, culinary events, and shopping deals.
Sharjah: Entry to public museums across Sharjah city, Kalba, and Khorfakkan will be free on December 1 and 2. Cultural and tourist hotspots will host family-friendly activities.
Al Ain: The official National Day celebration will be held amidst Al Ain’s breathtaking natural landscapes, attended by the country’s leaders and Rulers.
Umm Al Quwain: A five-day celebration includes fireworks, parades, magic shows, and other family events at Al Khor Waterfront from November 29 to December 3.
Fujairah: Festivities will take place across multiple locations, including Dibba Al Fujairah, Al Tawyeen, and Masafi, ensuring widespread participation.
The UAE’s Eid Al Etihad commemorates the unification of the Emirates in 1971, making it a time of national pride and community spirit. As residents prepare to enjoy the celebrations, adhering to these safety rules ensures a joyous and orderly experience for all.
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The UAE has introduced the ZAI Platform, a digital hub designed to revolutionize the teaching and learning of Arabic. This open-source platform provides innovative tools and resources to empower educators and enable non-native speakers to learn the language effectively.
Developed by Zayed University with support from the Department of Education and Knowledge (ADEK) and other key partners, the ZAI Platform offers a wide range of resources, including training materials, educational tips, Arabic vocabulary visuals, webinars, and conferences. It aims to foster literacy, critical thinking, and cultural understanding among students, making the Arabic language accessible and engaging.
One of the platform’s key features is its ability to support personalized learning. Tools such as the Smart Arabic Reading Diagnostic Tool (SARD) and the Balanced Arabic Readability Corpus (Barec) help educators diagnose reading abilities, tailor materials to individual literacy levels, and create resources suited to diverse needs. These features ensure that both students and teachers are equipped with the necessary tools to enhance learning outcomes.
Application in the Legal Field
The ZAI Platform can be a valuable asset for legal professionals, particularly in regions where Arabic is a primary language. Legal practitioners, translators, and researchers can leverage the platform in the following ways:
Enhanced Communication: Non-Arabic-speaking legal professionals can use the curated vocabulary and transliterations to improve communication with Arabic-speaking clients, colleagues, and authorities. The platform includes commonly used phrases, making it easier to navigate legal discussions, client meetings, and official documentation.
Legal Document Analysis: Tools like Barec can assist legal professionals in assessing the readability of Arabic legal documents, ensuring that materials are accessible and appropriately tailored for clients or stakeholders with varying literacy levels.
Training and Skill Development: The platform’s training materials and webinars can be used by legal teams to improve their Arabic language proficiency, particularly in areas such as legal terminology, drafting, and translation.
Support for Personalized Learning: Tools like SARD can help legal professionals identify specific areas where language skills need improvement, enabling them to focus on developing those competencies through targeted resources.
Preservation of Legal Heritage: By promoting Arabic literacy and understanding, the platform supports the preservation and transfer of legal traditions and cultural heritage to future generations, ensuring that Arabic legal principles remain relevant in an increasingly globalized legal landscape.
The ZAI Platform not only enriches education but also equips professionals, including those in the legal field, to engage with the language in meaningful and impactful ways, fostering inclusivity and cultural understanding across diverse sectors.
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As digital healthcare solutions become increasingly popular, safeguarding sensitive health information has become a top priority. To address this, the Dubai Health Authority (DHA) has released vital guidelines aimed at ensuring the confidentiality and protection of online health records.
With over 1,300 healthcare facilities in Dubai now connected through the DHA's NABIDH system—unifying more than 9.47 million patient records—residents are encouraged to adopt best practices to protect their digital health information from cyber threats. Here are essential tips to secure your health records:
Restrict the amount of personal and health information shared with digital health apps. Regularly review app permissions to ensure that only necessary data is accessible. Disable unnecessary data-sharing features to minimize potential security risks.
Familiarize yourself with the latest cybersecurity practices, such as enabling two-factor authentication (2FA), using strong and unique passwords, and staying vigilant against suspicious emails or links. Being proactive in following trusted advice is crucial to keeping your health data safe.
Avoid accessing sensitive health information over public Wi-Fi, as these networks are often unsecured and prone to cyberattacks. Use private, password-protected networks or a virtual private network (VPN) to ensure a secure connection.
Regularly check your health-related apps and accounts for any unauthorized activity. Enable notifications for account changes and immediately report suspicious activity to prevent data breaches.
Be cautious of emails or messages claiming to be from healthcare providers. Always verify the sender's authenticity before sharing any personal details or clicking on links.
Refrain from reusing passwords across multiple platforms. Create strong, unique passwords that combine uppercase and lowercase letters, numbers, and special characters. Consider using a password manager to securely store and generate complex passwords.
Add an extra layer of security by enabling 2FA or one-time passcodes (OTPs) for your health accounts. This second verification step, such as a text message or an authentication app, significantly enhances data protection.
The DHA’s NABIDH system plays a pivotal role in transforming healthcare delivery by unifying patient records and ensuring a single, comprehensive electronic medical record for each patient. With 81% of healthcare professionals in Dubai actively using the platform, NABIDH underscores the emirate's commitment to digitizing healthcare services.
To fully benefit from digital healthcare services, Dubai residents must stay vigilant and regularly review their security practices. By following these guidelines, individuals can better protect their sensitive health information and confidently embrace the future of digital healthcare.
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Dubai witnessed an extraordinary transformation on Sunday, November 24, 2024, as Sheikh Zayed Road became a sprawling running track for the much-anticipated Dubai Run 2024. Led by Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai, the event brought together a record-breaking 278,000 participants, marking it as the world’s largest free fun run.
Part of the Dubai Fitness Challenge (DFC), the annual Dubai Run showcases the city's dedication to promoting health and wellness. Participants from all walks of life and fitness levels gathered in the early hours to either challenge themselves on the 10-km route or enjoy a leisurely 5-km course. The event is more than just a run—it's a testament to Dubai’s commitment to fostering an active lifestyle and enhancing community spirit.
"This event reflects the power of community and the drive of our people to lead healthier, more active lives," said Sheikh Hamdan. "It showcases Dubai's relentless pursuit of excellence and the importance of fitness in building a happier, more connected society."
The day began with pre-run activities and artistic performances that electrified the atmosphere. Thrilling aerial displays by gliders and parachutists from Skydive Dubai captivated the crowd, adding a touch of spectacle to the occasion.
As runners hit the track, the city’s iconic landmarks, including the Burj Khalifa and Museum of the Future, served as stunning backdrops, amplifying the event's grandeur. From families with young children to seasoned athletes, the energy and excitement were palpable.
The overwhelming success of Dubai Run 2024 underscores the emirate's emergence as a global hub for health and fitness initiatives. Events like these not only elevate the quality of life but also reinforce Dubai's reputation as one of the best cities to live and visit.
Sheikh Hamdan expressed gratitude to all participants, emphasizing how such initiatives pave the way for a healthier future. "Together, we are building a better society, setting a positive example for generations to come," he added.
The transformation of Sheikh Zayed Road from a quiet, empty highway at 4:30 am to a bustling scene of runners by 6:00 am was a sight to behold. The stark contrast captured the essence of Dubai Run 2024—unity, health, and an unyielding spirit of togetherness.
As the grand finale to the Dubai Fitness Challenge, Dubai Run 2024 has set new benchmarks for participation and community engagement. The event not only motivates residents to embrace fitness but also solidifies Dubai’s place as a leading city for wellness-focused lifestyles.
With the success of this edition, anticipation for future runs is already building, promising more milestones and unforgettable moments for the city and its people.
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The UAE General Commercial Gaming Regulatory Authority (GCGRA) has issued gaming-related vendor licenses to three companies, reinforcing its stance on regulated gaming while maintaining strict laws against unauthorized operations in the GCC. This brings the total number of licensed companies in the UAE to five, reflecting a structured approach to the gaming industry.
The GCGRA strictly regulates commercial gaming in the UAE, granting licenses in five categories: lottery, land-based gaming facilities, gaming-related vendors, Internet gaming, and sports wagering.
Unlicensed gaming—whether by operators or players—is illegal across the UAE and the broader GCC. Countries in the GCC adhere to stringent laws that criminalize unauthorized gaming activities. These regulations are rooted in cultural and legal norms that prioritize social integrity and responsible entertainment.
While no Internet gaming or sports wagering licenses have been issued as of November 20, the UAE continues to solidify its position as a regulated market for commercial gaming, aligning with global standards while respecting local values.
Disclaimer: Unlicensed gaming activities are strictly prohibited under UAE law and can result in severe penalties.
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As dissatisfaction with Elon Musk’s management of X (formerly Twitter) continues to grow, Bluesky has emerged as a compelling alternative, drawing millions of users seeking a safer, more user-centric social media experience. Amidst this shift, Bluesky faces its own challenges, including legal scrutiny and increasing competition.
The 2024 US presidential election became a turning point for social media users disillusioned with X. With Donald Trump’s re-election, X faced widespread backlash for amplifying extremist content and misinformation. Following Musk's controversial policy changes, such as allowing blocked users to view public posts, Bluesky recorded unprecedented sign-up numbers.
According to analytics firm SimilarWeb, over 115,000 US users deleted their X accounts immediately after the election, marking the highest single-day drop since Musk’s acquisition. Bluesky capitalised on this exodus, gaining millions of users eager for a platform prioritising transparency and effective moderation.
Bluesky’s meteoric rise hasn’t been without challenges. The surge in signups following Trump’s victory led to infrastructure strain, resulting in temporary outages. Additionally, legal scrutiny over user data handling and the platform’s decentralised framework has sparked debates about compliance with global regulations. These hurdles underscore the complexity of scaling a decentralised platform while navigating an evolving legal landscape.
In the UK, Bluesky saw a surge in signups following Musk’s controversial comments regarding riots. Many users criticised X for failing to moderate incendiary content, prompting a wave of migrations to Bluesky. The platform’s robust anti-toxicity measures and user-controlled data management resonated with audiences seeking a less polarised online environment.
Bluesky’s rise marks Jack Dorsey’s second attempt to redefine social media after Twitter. Initially founded in 2019 as a side project, Bluesky represents a decentralised vision for online interactions, giving users control over their data while minimising algorithmic manipulation. Although Dorsey stepped down from the platform’s board in May 2024, his influence on Bluesky’s foundational principles remains evident.
Bluesky’s core appeal lies in its user-first design, featuring customisable feeds, decentralised data control, and robust moderation tools. Unlike X, where algorithms dictate user experience, Bluesky allows individuals to curate their content and manage their digital footprint.
While Bluesky’s rise signals a broader shift in user expectations for social media, it faces stiff competition from platforms like Threads, Mastodon, and even X. Legal compliance, scalability, and maintaining its unique value proposition will determine whether it can sustain its growth.
Bluesky's commitment to transparency and anti-toxicity measures has set a new standard for digital platforms. As users increasingly seek safer and more meaningful interactions, the platform stands poised to redefine the future of social media.
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Elon Musk, CEO of SpaceX and Tesla, recently called for sovereign wealth funds to increase investments in artificial intelligence (AI) technologies during the International Forum of Sovereign Wealth Funds (IFSWF) in Muscat, Oman. Held from November 3rd to 6th, the event attracted over 50 sovereign funds from 46 countries, marking a significant milestone in global investment dialogue. Musk's presence added substantial weight to discussions on AI, energy transition, and sustainable investments.
Oman, host of this year’s IFSWF, has positioned itself as a hub for technological and economic transformation. The forum’s theme, represented by the traditional Omani “Mandoos” (a symbol of prosperity and creativity), highlighted the nation’s vision for fostering innovation and global collaboration. To commemorate the event, Oman’s Central Bank issued a special coin celebrating the Sultanate as the "Land of Opportunities."
Speakers, including Oman’s Minister of Energy and Minerals Salim Al Aufi and Oman Investment Authority (OIA) head Salim Al Murshidi, emphasized the importance of investing in global energy transformation and AI technologies. Musk, widely recognized for revolutionizing industries, echoed these sentiments by urging sovereign funds to drive advancements in AI to enhance governance, supply chains, and economic sustainability.
Musk’s relationship with Oman extends beyond his advocacy for AI. In June 2023, Oman granted SpaceX’s Starlink a first-class license to establish and operate satellite communication systems in the Sultanate. This partnership underscores Oman’s ambitions to create a robust economic sector around space and satellite communications. The OIA’s 2021 equity stake in SpaceX further solidifies these efforts, reflecting Oman’s strategy to diversify its economy and embrace cutting-edge technologies.
Musk’s ventures, including SpaceX and the recently rebranded X (formerly Twitter), demonstrate his drive to integrate technologies across industries. X is evolving into a “super app,” combining social media, e-commerce, and payment services, highlighting Musk’s broader vision for a connected digital economy.
Musk’s calls for investment in AI come at a pivotal moment, as the technology reshapes industries worldwide. His participation in the IFSWF added depth to conversations on sustainable investments, aligning with global priorities such as energy efficiency and digital innovation. With sovereign wealth funds managing trillions of dollars in assets, Musk’s advocacy could catalyze a new wave of investments in transformative technologies.
Amid his increasing influence in global and technological spheres, questions arise about Musk’s potential role in Donald Trump’s administration following the President-elect’s victory. Musk, who has maintained deep ties across industries and governments, is uniquely positioned to influence technological policy and innovation strategies in the United States.
As the wealthiest man in the world, Musk’s alignment with Trump’s government could shape policies on AI, energy, and space exploration. Given his track record, Musk is expected to leverage his expertise to foster public-private collaborations and promote advancements in key sectors, reinforcing America’s leadership in innovation.
Conclusion
Elon Musk’s growing involvement in global economic discussions, coupled with his influence in Oman and potential role in the Trump administration, highlights his unparalleled ability to drive innovation across industries. His participation in the IFSWF and advocacy for AI investments reflect a strategic vision that bridges technological advancements, sustainable investments, and economic transformation on a global scale. With Musk at the forefront, both Oman and the broader world stand poised to benefit from his ground-breaking initiatives.
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Kuwaiti authorities have uncovered a case of citizenship fraud involving an expatriate who illegally held Kuwaiti nationality for 36 years. The Sudanese man, accused of paying for citizenship in 1988, has been referred to public prosecution by Kuwait's nationality police.
The man allegedly paid a now-deceased Kuwaiti woman to falsely claim he was a foundling she intended to adopt. Authorities are now moving to revoke his Kuwaiti citizenship, along with that of his children.
This case is part of Kuwait's intensified crackdown on forged citizenship. In recent weeks, several individuals have been prosecuted for obtaining Kuwaiti nationality through fraudulent means. Some have received prison sentences, with one court sentencing three Gulf nationals to 10 years each for forgery and illegally receiving KD500,000 ($1.6 million) in government benefits.
The campaign, aimed at safeguarding national identity, has led to the withdrawal of citizenship from hundreds of individuals since March for fraud or holding dual nationality, which is prohibited under Kuwaiti law.
The Interior Ministry has established a hotline for reporting suspected cases of citizenship fraud or duality. Whistle-blowers are assured confidentiality as authorities continue investigations to protect Kuwait’s national identity.
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In a groundbreaking ruling, a British Columbia court recently addressed the controversial issue of "hallucinated" legal cases generated by artificial intelligence. The decision could have far-reaching implications on the use of AI in the legal field, setting a precedent for how AI-generated content should be verified and utilized in legal practice.
AI "hallucinations" occur when AI systems, such as those powered by large language models, generate plausible-sounding but entirely fabricated information. In this case, a legal team cited case law that was later discovered to be fictitious, generated by an AI system prone to such hallucinations. The court’s ruling emphasized the importance of verifying AI-generated content, particularly when it comes to legal research where accuracy and reliability are paramount.
The controversy arose when a British Columbia law firm presented a series of legal cases to support its argument. Upon review, it became apparent that several of these cases were not real but fabricated by an AI tool used in the firm's research process. This discovery prompted the court to examine the legal and ethical responsibilities of professionals relying on AI tools, especially given the growing popularity of AI-driven legal research platforms.
The court ultimately ruled that legal professionals must thoroughly verify any AI-generated information before submitting it in legal proceedings. This ruling underscores the ethical and professional obligations of lawyers to ensure the integrity of the information they present. While AI can be a powerful tool for legal research, the court’s decision serves as a cautionary reminder of its limitations and the potential risks of unverified AI output.
This ruling may lead to more stringent standards around the use of AI in the legal field, particularly in jurisdictions where AI is frequently employed for tasks like drafting documents, conducting research, and analyzing case law. Legal professionals might face new ethical guidelines on AI usage, including requirements for cross-referencing AI-generated data with verified legal sources.
The B.C. court’s decision could influence how other jurisdictions approach the use of AI in legal practice. By setting a precedent, this ruling may prompt lawmakers to establish clearer regulations on the reliability of AI-generated information in legal matters. Furthermore, the legal industry may see an increased demand for AI solutions that incorporate built-in verification tools, helping to minimize the risk of hallucinated cases being presented in court.
For developers of AI-based legal tools, this ruling highlight the need for continuous refinement of AI systems to reduce hallucinations and improve accuracy. Legal AI developers may now face pressure to introduce enhanced verification features within their platforms, allowing legal professionals to validate the authenticity of AI-generated information more easily.
The B.C. court ruling serves as a crucial reminder of the ethical considerations associated with AI in law. As artificial intelligence becomes more ingrained in the legal field, this case underscores the importance of balancing technological advancement with the integrity of legal proceedings. Moving forward, both legal professionals and AI developers will need to work closely to ensure that AI remains a reliable, trustworthy tool in the justice system, upholding standards that safeguard against the potential pitfalls of AI hallucinations.
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The UAE has taken a major step to attract crypto investors and digital asset businesses by simplifying its VAT regulations for virtual assets, including cryptocurrencies and non-fungible tokens (NFTs). This update not only clarifies tax obligations but also reduces costs for investors—a milestone for UAE’s evolving tax policy and digital economy.
The UAE’s revised VAT rules, applied retroactively from January 1, 2018, offer clear guidelines for businesses and investors dealing in digital assets. This move brings certainty to the often-complex process of buying, selling, and managing crypto assets, making the UAE an attractive destination for digital asset businesses and investors seeking a tax-friendly environment.
With simplified VAT processes, investors in cryptocurrencies and NFTs can now navigate their tax obligations more easily. By reducing tax-related complexities, the UAE has effectively lowered the costs associated with digital asset transactions, offering a major advantage to investors and opening the door for increased engagement in the sector.
The recent VAT update signals the UAE’s commitment to aligning its tax framework with the needs of a modern digital economy. By proactively addressing tax policies related to virtual assets, the UAE is positioning itself as a forward-thinking hub for digital innovation, attracting global investors and businesses eager to operate within a stable and supportive regulatory environment.
This policy change aligns with the UAE’s broader goals of fostering technological innovation and economic diversification. With more favorable VAT rules, the UAE is expected to draw even more attention from global digital asset firms and tech-savvy investors, reinforcing its role as a pioneering market for digital finance.
The UAE’s VAT simplification for virtual assets is more than just a regulatory update; it’s a step toward building a robust, investor-friendly ecosystem in the heart of the digital asset revolution. As the digital economy evolves, the UAE’s strategic approach to tax policy positions it as an attractive destination for crypto investors and digital businesses worldwide.
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US president-elect Donald Trump has appointed Elon Musk and former presidential candidate Vivek Ramaswamy to lead the newly established Department of Government Efficiency. This department aims to reduce government bureaucracy, eliminate unnecessary regulations, cut wasteful spending, and restructure federal agencies.
The new department will operate independently of traditional government structures, instead working with the White House and the Office of Management & Budget to drive substantial reform. Trump noted that Musk and Ramaswamy’s work would conclude by July 4, 2026, symbolizing a 250th-anniversary gift to the nation.
Elon Musk, already one of Trump’s prominent supporters, is expected to bring significant influence to this initiative, likely benefiting his own ventures, including Tesla, SpaceX, and social media platform X. Having supported Trump’s campaign financially and appeared alongside him, Musk has publicly expressed his enthusiasm for the project, calling it “The Manhattan Project of our time” in reference to its ambitious goals.
Ramaswamy, who previously competed for the Republican presidential nomination before endorsing Trump, is also eager to implement large-scale changes. Sharing Trump’s announcement on X, Musk and Ramaswamy both emphasized their commitment to overhaul government processes, aiming to curb waste and inefficiency.
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In an intensified effort to counter organized crime, Sweden has introduced a new law permitting police to confiscate luxury items from individuals with suspected gang affiliations, even if they are not formally accused of any crime. This law, which took effect after being passed by parliament on October 2, enables authorities to seize high-end items like cars, gold watches, and designer goods from those who cannot provide proof of legitimate ownership.
The measure is specifically aimed at addressing the financial underpinnings of organized crime. Authorities can target luxury items believed to be purchased with proceeds from illegal activities, especially when owned by individuals with no verifiable source of income. For instance, an expensive sports car driven by an unemployed person could be seized if its purchase is suspected to have been funded by illicit means.
Sweden’s government considers this law a landmark change, describing it as the most significant reform to the country’s criminal code since 1965. This initiative comes in response to a troubling rise in gang violence, which has manifested in shootings and bombings related to conflicts over drug trade territories. In 2023, Sweden recorded 53 deaths from 363 shootings, many of which occurred in public spaces and sometimes claimed innocent lives. Additionally, relatives of gang members have become targets in retaliatory attacks, and even underage individuals have been involved in these criminal activities.
The new law also extends to minors under the age of 15, who are often recruited by gangs due to their exemption from criminal responsibility under Swedish law. Recognizing that symbols of wealth like luxury cars and high-end watches can be used to lure young recruits into gangs, authorities see the law as an essential step in dismantling the allure of criminal lifestyles.
Despite its intended impact, the law has faced criticism, particularly from Sweden’s Parliamentary Ombudsmen, who oversee compliance with legal standards among public authorities. Concerns have been raised about potential conflicts with principles of the rule of law, such as the presumption of innocence, and the seemingly broad criteria for conducting searches and seizing property.
In defence, the government has acknowledged the bold and unconventional nature of the legislation, noting that some of the standard legal protections afforded in criminal cases may not be fully present in these scenarios. The law stipulates that a court will have the final authority to approve or deny the seizure of assets.
Sweden’s organized crime economy is estimated to generate between 100 and 150 billion kronor (roughly $9.3 to $14 billion) annually. The new seizure law represents one of the country’s most assertive strategies to disrupt this lucrative criminal market and reduce the prevalence of gang-related violence.
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Obtaining a business loan in the UAE is a viable option for entrepreneurs and established companies looking to expand their operations or improve cash flow. With a range of loan types available—such as term loans, startup financing, and trade finance—the UAE offers support options tailored to various business needs. However, understanding the eligibility requirements, interest rates, and repayment terms is crucial for a successful loan application.
To qualify for a business loan, most banks and financial institutions require businesses to meet specific criteria. Typically, applicants must demonstrate that their business has been operational for a minimum period (often one to two years) and show evidence of a stable annual turnover. Additionally, a corporate bank account in the UAE is a common prerequisite. For startups, the eligibility requirements can be more flexible, with institutions often considering the entrepreneur’s background, business model, and market potential.
Interest rates on business loans in the UAE can vary based on factors like the applicant’s creditworthiness, the loan tenure, and the type of loan. Interest rates on term loans, for example, range from around 5% to 15% annually, while Islamic finance options offer interest-free alternatives. Islamic finance aligns with Sharia law, where "profit rates" are charged instead of interest, providing an alternative for those looking for financing that avoids traditional interest-based loans.
Repayment terms depend on the type and size of the loan. Term loans usually come with monthly repayment structures over a period of one to five years. Some banks offer grace periods where only interest is paid for the initial months. Other types of financing, like trade finance, may have shorter terms tied to the business’s invoicing or sales cycles.
Understanding these components can help business owners in the UAE navigate the loan application process more effectively. By meeting eligibility requirements, assessing interest rate options, and choosing repayment terms that align with their business’s cash flow, applicants can find the right loan to support their business growth.
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Owning property in the UAE is an attractive investment for expats, given the country’s growing real estate market and investor-friendly regulations. However, owning property as a non-Emirati comes with specific legal considerations that, if not handled correctly, can lead to complications. Taking a proactive approach to secure your property and assets can help avoid unexpected issues and ensure your family’s financial stability.
Expats in the UAE can own property in designated freehold areas, with property rights granted either as freehold ownership or leasehold rights. Freehold ownership allows the property to be owned indefinitely, while leasehold rights usually extend to 99 years. Ensure that your ownership type is clear in your property documents to avoid any future ambiguity.
In Dubai, all property transactions must be registered with the Dubai Land Department (DLD), ensuring legal recognition. Expats should ensure their property is correctly registered, as unregistered property may be at risk of disputes. This registration also makes the ownership legally binding, providing a foundation for any future transactions or inheritance claims.
In the absence of a will, UAE courts may apply Sharia law to distribute an expat’s assets, which may not align with the expat’s wishes, especially for those from different cultural or religious backgrounds. To safeguard your assets:
For expats with minor children, setting up a guardianship provision is essential. Without a UAE-recognized will specifying guardianship, the courts may make decisions that differ from the family’s preferences. A DIFC-registered will is generally considered the most straightforward way to ensure your wishes are respected regarding guardianship and the care of minor children.
While having a will is crucial, expats should also understand how succession laws might impact their property. Under UAE law, any property registered in an expat’s name may be subject to Sharia law inheritance rules unless a will specifies otherwise. Clarifying property succession arrangements ensures that your estate is managed as intended.
Granting a Power of Attorney (POA) to a trusted individual can be valuable, particularly for expats who may be traveling frequently or based outside the UAE for extended periods. A POA enables a designated representative to manage property-related matters in your absence, including paying fees, handling tenant agreements, or making decisions on maintenance and repairs.
While the UAE is known for its tax-free environment, expats should consider any tax implications related to their home country. Some countries may levy taxes on global assets, including UAE property, upon the owner’s passing. It is wise to consult a tax advisor who can help mitigate any potential double-taxation or estate tax issues, ensuring a smoother transition of assets.
Home insurance is a critical aspect of securing your property investment. Having adequate property insurance protects against unforeseen events, such as natural disasters, fire, or vandalism. Additionally, life insurance can help cover any outstanding mortgage or liabilities, preventing these financial burdens from falling on family members in case of the owner’s passing.
Over time, life changes may necessitate updates to your legal documents, such as wills, power of attorney, or guardianship instructions. Regularly reviewing these documents ensures they remain aligned with your current situation and preferences.
By taking these steps, expat homeowners in the UAE can secure their property, avoid legal complications, and protect their family’s future. Consulting with a legal expert familiar with UAE property law can help ensure your property is safeguarded and that your estate planning reflects your wishes. Careful planning today can make a significant difference for your loved ones tomorrow.
LuLu Retail has made headlines as the UAE’s biggest IPO of the year, closing with gross proceeds of Dh6.32 billion. The hypermarket giant, headquartered in Abu Dhabi, saw overwhelming demand, attracting over Dh135 billion ($37 billion) in bids from local, regional, and international investors—a record for a non-government UAE IPO in the past decade.
Priced at Dh2.04 per share, the IPO was oversubscribed by more than 25 times across all investor categories (excluding cornerstone investors), setting LuLu Retail’s market capitalization at Dh21.07 billion ($5.74 billion). The IPO also saw record-breaking interest from retail investors, with over 82,000 individuals participating.
The shares are set to list on the Abu Dhabi Securities Exchange (ADX) on November 14.
This IPO marks a milestone for the UAE, creating new benchmarks in retail investor participation and setting a high standard for future listings. Initially planned at 25%, LuLu’s offering was increased to 30% to accommodate strong institutional interest, underscoring the robust appeal of LuLu’s consumer-facing operations in the GCC markets.
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In a fiercely contested election, former President Donald Trump has won the U.S. presidential race and has been elected the 47th president of the United states, securing a victory with a slim majority over his opponent, Kamala Harris. With Trump tallying 52% of the vote compared to Harris’s 48%, the margin was close, showcasing a competitive battle that gripped the nation until the final votes were counted.
Trump's performance reflected a significant gain over his previous campaigns, achieving an increased voter base across several key states. Compared to his last election in 2020, Trump not only garnered higher numbers in traditional strongholds but also made substantial inroads into new voter segments, giving him a crucial edge over Harris. His success was particularly notable in battleground states where the margin of victory had previously been much narrower, highlighting a shift in support and a resurgence of his base.
Kamala Harris ran a formidable campaign, appealing to a diverse coalition and mounting a strong challenge that kept the race tight up to the final hours. Her appeal to young voters, minority communities, and urban centers made the competition exceedingly close, underscoring her influence and the changing dynamics of the American electorate.
As Trump returns to the White House, this election marks a new chapter in American politics, one shaped by voter sentiment shifts and unprecedented levels of engagement across the country. The close race demonstrates a deepening political divide, setting the stage for a term that will undoubtedly have far-reaching implications for both domestic and international policy.
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Amazon, the global e-commerce giant, is facing a significant legal challenge in the UK as a new class action lawsuit seeks damages exceeding £2.7 billion. The suit, filed before the UK’s Competition Appeals Tribunal (CAT), alleges that Amazon has engaged in anticompetitive practices that harm consumers by distorting market conditions, thus driving up prices for millions of UK customers. Andreas Stephan, a professor of competition law and head of the Law School at the University of East Anglia, has initiated the suit, representing millions of UK consumers who have allegedly paid higher prices as a result of Amazon’s practices. The case stands to be one of the most prominent challenges Amazon has faced in the UK and underscores the intensifying scrutiny of tech giants’ influence on markets around the world.
The class action lawsuit alleges that Amazon has used its dominant position in the UK’s online retail market to prioritize its own products and the products of sellers who use Amazon’s logistics and fulfillment services, over others who do not pay for such services. According to Stephan, Amazon’s policies make it difficult for independent sellers to compete fairly on the platform, leading to reduced choice for consumers and inflated prices.
Stephan claims that Amazon's algorithmic practices and policies favor the placement of its own products and certain third-party products in prominent positions, particularly in the coveted “Buy Box” on product listings. This strategic placement is crucial, as studies show that a large majority of Amazon sales go through the Buy Box. By allegedly influencing which sellers can access the Buy Box, Amazon is effectively deciding which products consumers are more likely to purchase, raising concerns that this behavior restricts competition and choice.
The lawsuit, on behalf of millions of Amazon’s UK customers, argues that Amazon’s practices violate UK competition laws by artificially limiting consumer choice and forcing customers to pay higher prices. The main allegations can be summarized as follows:
The case will be heard before the UK’s Competition Appeals Tribunal (CAT), a specialized judicial body that addresses complex competition and regulatory issues. The CAT has recently been at the center of landmark antitrust cases, particularly as public and regulatory scrutiny of tech giants’ market practices intensifies across Europe.
The tribunal has the authority to certify the class action, which would allow it to proceed on behalf of the millions of consumers allegedly affected. If certified, the lawsuit could have significant implications for Amazon’s business practices in the UK, potentially forcing changes to its algorithms, sales strategies, and policies on product placement. In addition to damages, the suit seeks regulatory intervention to address the alleged unfair competitive practices and increase transparency in Amazon’s algorithmic processes.
Amazon has consistently defended its business practices, asserting that it operates fairly within the bounds of competition law. The company has emphasized that the Buy Box is designed to feature products based on factors like price, availability, delivery speed, and seller performance, claiming that these factors benefit consumers by promoting high-quality, competitively priced products. Amazon has also argued that its fulfillment services provide significant advantages to both sellers and consumers, including faster delivery and increased reliability, which it says enhance the overall shopping experience.
In a statement regarding similar cases brought against Amazon in other countries, the company has expressed its commitment to cooperating with regulators while upholding a competitive, consumer-focused platform. However, it has not yet commented specifically on this latest lawsuit.
If successful, the lawsuit could result in significant changes to Amazon’s operational model in the UK, with potential ripple effects on its business practices globally. Here are a few potential impacts:
Amazon’s legal challenges in the UK reflect a broader global trend of increasing antitrust scrutiny against tech giants. Regulatory bodies in the European Union, the United States, and other regions have been actively investigating Amazon, Google, Facebook, and Apple over alleged market abuses and anti-competitive practices. In the European Union, Amazon faces similar accusations, with regulators examining whether the company has used data from independent sellers to gain an unfair competitive advantage.
This lawsuit in the UK adds to Amazon’s growing list of regulatory challenges, underscoring the global momentum toward greater oversight of large tech companies. Governments and regulators are increasingly recognizing the need for policy adjustments to address the unique challenges presented by the dominance of major tech platforms in various markets.
The class action lawsuit against Amazon in the UK, spearheaded by Andreas Stephan, is a significant development in the ongoing battle between tech giants and regulators over fair competition and consumer rights. If successful, the suit could not only lead to substantial financial consequences for Amazon but may also necessitate changes in its business practices, particularly in how it manages the visibility and prioritization of products on its platform. As tech giants face mounting legal challenges worldwide, this case reflects a pivotal moment in the regulation of digital marketplaces and the push for greater accountability in the tech industry.
The outcome of this case could shape the future landscape of e-commerce, setting important precedents for the responsibilities of online platforms to their consumers and the competitive dynamics that govern digital marketplaces.
The UAE education system is undergoing a significant shift as the Emirates Standardized Test (EmSAT) for high school graduates is being cancelled. This move, announced on November 3rd, 2024, eliminates the standardized test requirement for admission to government universities in the country.
The decision, approved by the Education, Human Development and Community Development Council, reflects a revised approach to university admissions. The Ministry of Education and the Ministry of Higher Education and Scientific Research have jointly announced the cancellation and implementation of new criteria.
Universities Gain Flexibility
Universities will now have more autonomy in setting their own admission criteria. This allows them to tailor their selection process to specific programs and identify students who possess the necessary skills and strengths for success in each field.
Science Subjects Take Center Stage
For medical and engineering programs specifically, the focus will shift towards a student's performance in science subjects. Admission decisions will prioritize these subject grades over the overall percentage score achieved in high school graduation. This targeted approach aims to ensure that students with a strong foundation in science are well-positioned to excel in these demanding disciplines.
A Modernized Admissions Landscape
The cancellation of the EmSAT and the emphasis on subject-specific excellence mark a step towards a more individualized approach to university admissions in the UAE. This shift empowers universities to create diverse student bodies and fosters a learning environment that caters to students' strengths and aspirations.
Unforeseen Impacts
While the long-term effects of this policy change remain to be seen, it is anticipated that universities will implement a variety of measures in their revised admission criteria. These may include increased emphasis on high school transcripts, standardized tests specific to certain disciplines, and potentially even portfolio reviews or entrance interviews.
The move signals a commitment to a more holistic evaluation of student potential, potentially leading to a more diversified and well-rounded student body within UAE universities.
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UAE Intensifies Cybercrime Crackdown: Inside the Operations Exploiting Workers in High-Pressure Scam Centers
In a significant move against international cybercrime, UAE authorities dismantled a sophisticated web of syndicates, leading to the recent arrests of hundreds involved in these scams.
The syndicates, primarily targeting victims worldwide, had specialized teams for different types of scams and recruited hundreds of tech-savvy workers from South Asia through social media job advertisements. Recruits were required to have basic typing skills and their own visas, with offers including modest salaries and incentives like meals and accommodation. Once in the UAE, these employees were trained and divided into specific roles: "Receptionists," "Developers," "Teachers," and the high-ranking "Killers."
Roles Within the Syndicates
Receptionists handled initial scams, such as parcel and package delivery frauds. Using overseas messaging apps, they impersonated representatives from trusted companies and sent links to fake sites to collect personal information.
Developers led individuals into fraudulent investment schemes through WhatsApp groups and Telegram channels, guiding victims to fake trading platforms. When victims tried to withdraw their "profits," they were told they needed to invest more to access funds, trapping them further.
Teachers orchestrated romance scams by building rapport with victims online, eventually guiding them to invest in cryptocurrency schemes. Victims were directed to install specific apps, which were controlled by the scammers.
Killers executed high-pressure schemes, posing as law enforcement officers to intimidate victims. They carried out fake "digital arrests" over video calls, threatening individuals and demanding money to settle fabricated legal issues. Some also lured victims with instant loan apps, using the data collected for extortion.
Exploited Workforce in Harsh Conditions
Recruits faced severe restrictions and gruelling working conditions. Living arrangements were cramped, with many workers housed in confined spaces under constant surveillance. The work environment was tightly controlled, with personal belongings like passports confiscated, and working hours were long, often extending beyond 13 hours a day. Meals were basic, and workers had little opportunity for breaks or outdoor activity. Daily quotas and performance targets were strictly enforced, with fines imposed for failing to meet them or missing specific instructions.
Under constant monitoring, employees were required to meet aggressive call targets, with some making up to 800 calls daily. Management constantly pressured employees to maximize the use of customer data, emphasizing that any perceived waste of company resources could lead to immediate dismissal without pay
Ongoing Investigations and Future Measures
The recent crackdown resulted in raids on multiple compounds operating as scam centers, with the authorities seizing evidence and detaining numerous individuals. Further investigations are underway to assess the involvement of those detained and bring those responsible to justice. This operation underscores the UAE's commitment to dismantling cybercrime operations and ensuring that these exploitative practices do not go unpunished.
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Sunil Ambalavelil, the Principal Partner of NYK Law Firm in Dubai, has been honoured with the prestigious award of "The Best Indian Lawyer in Dubai" at the Kempegowda Utsava & Business Award 2024. The grand event took place on October 27 at the Ritz Carlton, Dubai, attracting an illustrious assembly of industry leaders and dignitaries. This award recognises Sunil Ambalavelil's exceptional contributions to the legal field in Dubai, especially for his work championing the Indian expatriate community in the region.
This Event was organized by Kiran Gowda, President of the Dubai Vokkaliga Sangha, the award ceremony was graced by notable personalities, including esteemed Indian actor and film director Mr. Upendra, actor Abhishek Ambareesh, and Kiran Gowda himself, who presented the award. Sunil Ambalavelil’s dedication to delivering high-caliber legal services and his pivotal role in strengthening Indo-UAE relations were highlighted during the event.
The evening's Guest of Honor, Mr. Fahad AL Hashemi, Dubai Police Anti-corruption Officer, shared the stage with other prominent figures, including the former Deputy Chief Minister of Karnataka and members of Karnataka’s legislative assembly, adding an air of distinction to the occasion.
The Kempegowda Utsava & Business Award, an annual celebration, seeks to acknowledge and honor the accomplishments of Indian professionals excelling in their fields across the UAE.
Sunil Ambalavelil’s recognition as "The Best Indian Lawyer in Dubai" not only underscores his influence in the legal industry but also serves as an inspiration for the Indian community in Dubai and beyond.
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With the rise of e-commerce and online services, many individuals and businesses in the UAE are exploring opportunities to sell products and offer services online, whether through a website, mobile app, or social media platforms. As the digital landscape continues to expand, gaining the necessary approvals to operate legally is essential.
In the UAE, anyone looking to engage in online economic activities is required to obtain a No Objection Certificate (NOC) from the Telecommunications and Digital Government Regulatory Authority (TDRA). This certificate is mandatory for any form of online commerce or service, and it applies to websites, mobile applications, and social media accounts.
Why Online Selling is Booming in the UAE
With e-commerce becoming a popular choice for shopping, consumers in the UAE—especially Gen Z and millennials—are increasingly favoring the convenience of online platforms. The growth of digital infrastructure, strong regulatory support from the government, and a tech-savvy population have all contributed to the rise of online shopping in the region. For many consumers, digital shopping is an attractive alternative to brick-and-mortar stores, offering ease, efficiency, and savings.
How to Apply for the NOC
Obtaining the NOC from TDRA is a straightforward process, designed to be completed within two working days. Here’s how it works:
Log In: Start by logging in to the TDRA platform using your UAE Pass account.
Fill Out the Application Form: Complete the required online form.
Attach Necessary Documents: If applicable, attach a trade license and any NOC obtained from other relevant authorities.
Application Review: TDRA will review the application.
Receive Approval: Upon approval, the NOC will be issued to the applicant.
This service is available to both individuals and businesses free of charge.
Conditions for Online Activity
Depending on the platform or method you plan to use, the following conditions apply:
By following these steps and conditions, entrepreneurs and businesses can seamlessly enter the UAE’s digital economy, ensuring compliance with regulatory standards and contributing to the thriving online market.
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The Irish Data Protection Commission (DPC) recently imposed a hefty €310 million fine on LinkedIn following violations of the General Data Protection Regulation (GDPR). This decision underscores Europe’s rigorous stance on data privacy, following similar actions against other tech giants operating within the European Union.
The Breach and Investigation
LinkedIn, part of Microsoft's portfolio, was found to have inadequately protected user data, leaving it vulnerable to unauthorized access. The breach exposed personal details such as email addresses, job histories, and more, impacting millions of users. The investigation, led by the DPC, revealed significant lapses in LinkedIn’s data protection practices, including its data handling and retention policies. This case highlights critical areas where LinkedIn fell short of GDPR standards, from data minimization to ensuring sufficient security measures.
Implications of the Fine and GDPR’s Reach
The €310 million fine reinforces the GDPR’s robust framework and the EU’s emphasis on accountability for data breaches. The regulation mandates businesses to maintain a high level of security and transparency with user data, and companies breaching these protocols can face fines of up to 4% of their annual global turnover or €20 million—whichever is higher. This recent penalty against LinkedIn represents one of the largest imposed on a tech company to date and serves as a reminder of the serious implications for companies found in violation.
LinkedIn's Response and Data Protection Reform
In response, LinkedIn issued a statement emphasizing their commitment to addressing the DPC’s concerns and investing in heightened data security measures. This case is expected to prompt LinkedIn and other tech firms to reassess their data protection strategies and reinforce compliance programs.
The ruling also places renewed focus on the DPC’s regulatory oversight. As Europe’s central authority for data protection, Ireland’s DPC manages numerous investigations into tech companies, given many are headquartered in Dublin. This ruling demonstrates the DPC’s commitment to holding corporations accountable, ensuring they adhere to GDPR principles to protect EU citizens’ data.
Lessons for Companies Operating in the EU
The LinkedIn case serves as a warning to other global tech firms operating within the EU: data privacy compliance must be a top priority. Ensuring that user information is handled with the highest level of security is not only a legal obligation but also essential for maintaining consumer trust. Companies are now encouraged to proactively audit their data protection policies, invest in cybersecurity infrastructure, and create transparent processes for data management.
Conclusion
The €310 million fine against LinkedIn represents a pivotal moment in Europe’s ongoing battle to safeguard digital privacy. As the digital landscape evolves, the GDPR continues to be a powerful regulatory force, compelling companies to maintain high standards in data protection. LinkedIn’s penalty is not just a standalone case but a testament to the EU's resolve to enforce compliance across the technology sector, marking a significant step toward greater accountability and user protection in the digital age.
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Dubai has announced an exciting month-long campaign filled with festivities, honouring key national occasions from UAE Flag Day to the 53rd UAE National Day.
In a significant announcement on Wednesday, Dubai unveiled a new initiative to mark important national events, beginning with UAE Flag Day and culminating with the 53rd Eid Al Etihad (UAE National Day). The celebrations, running from November 3 to December 3, are being held in collaboration with 16 government, semi-government, and private sector entities.
Sheikh Ahmed bin Mohammed bin Rashid Al Maktoum, Second Deputy Ruler of Dubai and Chairman of the Dubai Media Council (DMC), launched the initiative, which is named in honor of the UAE’s founding fathers, Sheikh Zayed bin Sultan Al Nahyan and Sheikh Rashid bin Saeed Al Maktoum.
What to Expect:
Fireworks Spectaculars:
On December 2 and 3, residents can enjoy stunning fireworks displays at JBR Beach, Al Seef, Hatta, and Dubai Festival City Mall. Hatta will also feature traditional folk dances and live music performances. Daily fireworks will light up Global Village throughout the campaign.
Seasonal Markets:
Seasonal markets such as Beach Canteen, Ripe Market, and Winter Wonderland will offer Emirati-themed activities, local food, and unique retail experiences. The ‘Union Day Parade,’ organized by Watani Al Emarat, will take place at City Walk on December 2, featuring traditional dances and performances that showcase Emirati culture.
Museum Events:
Dubai Culture and Arts Authority (Dubai Culture) will host special events at key cultural destinations like Hatta Heritage Village and Al Fahidi Historical Neighbourhood, inviting residents to explore Dubai's rich cultural heritage. At Al Shindagha Museum, visitors can enjoy interactive performances that revive the history of old Dubai, while the Etihad Museum will feature exhibitions and events focused on the UAE's Union.
Concert at Expo City:
As part of the 53rd UAE National Day celebrations, Expo City Dubai will host a musical concert titled ‘Union Symphony’ by the Firdaus Orchestra, performing Emirati national songs in two free public performances at Al Wasl Plaza. The venue will be adorned with UAE flags and traditional Emirati décor, creating a vibrant cultural atmosphere.
Light Shows at Parks:
Dubai Municipality will illuminate major parks, Dubai Frame, Dubai Safari Park, and the Clock Tower roundabout with dazzling light displays for Eid Al Etihad, adding to the festive mood.
Celebrations at Dubai Airports:
Dubai Airports will dedicate a space for Eid Al Etihad celebrations, with a maritime heritage theme. Visitors arriving in Dubai will be greeted with traditional national songs, creating a warm, festive welcome.
These month-long festivities reflect Dubai’s deep connection to its heritage, offering a range of cultural, historical, and entertaining activities for residents and visitors alike
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In today's fast-paced world, businesses, especially micro-businesses, need payment solutions that are not only efficient but also instantaneous. The UAE’s new peer-to-peer (P2P) payment platform, 'Aani,' is revolutionizing the way businesses and consumers handle transactions, enabling payments in a matter of seconds through QR codes. This innovative solution is gaining rapid traction among small merchants and financial institutions, offering a seamless and instant payment experience.
Instant Payments for Micro-Businesses
Micro-businesses in the UAE often face challenges when it comes to adopting digital payment systems. These businesses typically operate on thin margins and may not have the resources or infrastructure to implement complex payment solutions. With the introduction of Aani, small retailers, independent vendors, and other micro-businesses now have access to a simple and cost-effective way to accept payments.
Aani allows businesses to accept payments by generating a QR code that customers can scan to transfer funds instantly. This means no waiting time for payments to process, giving businesses immediate access to their funds. This capability is particularly important for micro-businesses, which rely on cash flow to sustain their operations.
“We have enabled Aani to be accessible when you want to pay for goods and services, especially for smaller merchants who may not currently be enabled to accept digital payments,” said Jan Pilbauer, CEO of Al Etihad Payments, a subsidiary of the UAE Central Bank. By simplifying digital payments, Aani provides smaller merchants with the ability to grow and thrive in the increasingly digital economy of the UAE.
How Does Aani Work?
The Aani platform operates through a peer-to-peer (P2P) system, meaning it allows users to transfer funds directly to one another without the need for an intermediary such as a credit card or bank processor. This is done by scanning a QR code with a smartphone, linking the payment to the buyer’s bank account, and completing the transaction instantly.
For businesses, this provides several advantages:
Immediate Payment: Funds are transferred to the seller’s account in real-time, enabling faster access to cash.
Low Transaction Costs: By using P2P technology, Aani reduces the need for expensive point-of-sale (POS) machines and minimizes transaction fees.
User-Friendly Interface: Both businesses and customers benefit from a straightforward, easy-to-use interface that requires no specialized equipment or technical knowledge.
For consumers, Aani offers a simple and secure way to pay, removing the friction of dealing with cash or waiting for card transactions to clear. This is particularly convenient for day-to-day transactions, such as buying from local vendors or paying for services from independent contractors.
Benefits for the UAE’s Financial Ecosystem
While Aani is a boon for small businesses, it’s also gaining popularity with larger financial institutions. Banks in the UAE are integrating Aani into their services, recognizing its potential to streamline payments and offer enhanced customer convenience.
The UAE Central Bank has been actively supporting digital transformation across the country's financial services sector, with the aim of creating a more inclusive, efficient, and cashless economy. Aani is part of this broader initiative, helping to bring more businesses into the digital economy and encouraging the use of electronic payments.
For banks, Aani provides an opportunity to better serve their customers, especially those in the SME and micro-business sectors. The platform’s instant payment feature aligns with the demands of modern consumers who expect fast and frictionless transactions. By enabling payments through Aani, banks can enhance customer satisfaction and encourage greater use of digital banking services.
Boosting Financial Inclusion
One of the key goals of the Aani platform is to promote financial inclusion in the UAE. Many micro-businesses and informal traders operate in cash-heavy environments, which can be limiting in today’s increasingly digital marketplace. By offering a digital payment solution that is easy to adopt and cost-effective, Aani is helping these businesses transition to the digital economy.
“Small businesses are a critical part of the UAE’s economic fabric, and it’s essential to provide them with the tools they need to succeed,” added Pilbauer. “Aani is designed to make digital payments accessible to everyone, regardless of their size or technical capabilities.”
Future Prospects for Aani
As the UAE continues to advance its digital infrastructure, platforms like Aani are expected to play a pivotal role in shaping the future of payments. The platform’s ability to provide instant, secure, and low-cost payments makes it an attractive option for businesses of all sizes, from micro-businesses to larger enterprises.
The UAE’s vision of becoming a cashless economy is increasingly within reach as solutions like Aani gain traction. With a growing number of businesses and consumers adopting the platform, the demand for fast and secure digital payments is likely to keep rising.
Conclusion
'Aani' is set to transform the way payments are made in the UAE, particularly for micro-businesses that need fast, reliable, and cost-efficient solutions. By allowing instant transactions through QR codes and bypassing traditional banking intermediaries, the platform empowers businesses to access their funds immediately, improving cash flow and operational efficiency. As the UAE's financial landscape evolves, Aani stands out as a key player in driving digital payment adoption and financial inclusion across the country.
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As the LuLu Group prepares to launch its highly anticipated Initial Public Offering (IPO), there’s already widespread speculation that it could set a new record for retail investor over-subscription in the UAE. The hypermarket giant’s announcement on October 21 has triggered an overwhelming response, with UAE banks reporting an influx of calls from eager investors seeking to secure funds for the IPO. The subscription window opens on October 28 and runs until November 5, with the offer price set to be revealed on the first day of subscription.
For many UAE investors, especially those of Indian origin, the timing of LuLu’s IPO couldn’t be more symbolic. Coming just ahead of Diwali, a festival associated with prosperity and new beginnings, many are viewing their investment in LuLu as part of their Diwali spending, making it a festive financial commitment. This cultural and emotional connection to the brand could further fuel the rush for shares.
Background on LuLu Group and the IPO
LuLu Group International, based in Abu Dhabi, is one of the largest retail chains in the Middle East, known for its sprawling hypermarkets, supermarkets, and malls across the GCC, India, and other parts of Asia. The brand is especially popular among the expatriate communities in the UAE, who make up a significant portion of its loyal customer base.
Founded by Indian entrepreneur Yusuff Ali M.A. in the 1990s, LuLu has steadily grown to become a major player in the UAE’s retail sector, offering everything from groceries to electronics. Its wide range of products and affordable pricing have cemented its position as a household name, especially among budget-conscious families.
The company’s decision to sell 25% of its shares through an IPO marks a significant milestone in its journey. The proceeds from the IPO are expected to fuel the company’s ambitious expansion plans, which include opening 15 new stores and raising Dh1 billion. LuLu’s decision to go public is being seen as a strategic move, not only to attract capital but also to allow loyal customers to become shareholders in a brand they have patronized for decades.
Record-Breaking Potential
The LuLu IPO has all the hallmarks of becoming a record-breaker in terms of retail investor participation. There are several factors contributing to this potential:
Strong Brand Recognition: LuLu enjoys widespread brand recognition in the UAE and beyond. For years, the brand has catered to a diverse customer base, particularly the expatriate community. Many of these customers are now looking to invest in the company that has been part of their daily lives, further driving demand for shares.
First-Time Investors: A significant number of the anticipated subscribers are first-time investors. Many retail investors who have never participated in the UAE stock markets see this as an opportunity to invest in a trusted brand they are familiar with. This is likely to contribute to the high demand.
Diwali Timing: The IPO subscription period coincides with the lead-up to Diwali, a time when many Indian families traditionally make significant financial decisions and investments. LuLu’s strong ties with the Indian community are likely to play a role in boosting investor sentiment during this festive season.
Investor Enthusiasm: UAE bankers have noted that phones have not stopped ringing since the IPO announcement, indicating high levels of investor enthusiasm. The buzz surrounding the IPO is expected to intensify once the subscription period officially opens.
Will LuLu Break the Record?
Given the strong demand, industry analysts believe the LuLu IPO could very well break the record for retail investor over-subscription in the UAE. The last major IPO in the country, which also saw significant oversubscription, was ADNOC Distribution in 2017. However, the scale of LuLu’s customer base and the emotional connection many have with the brand could push this IPO to new heights.
Furthermore, LuLu’s decision to list 25% of its shares offers enough room for both institutional and retail investors to participate. This balance could help the company avoid some of the pitfalls of smaller offerings, where limited shares lead to fierce competition among investors.
A Game-Changer for UAE IPOs
If LuLu’s IPO does indeed set a new record, it could pave the way for more consumer-driven companies in the UAE to go public, especially those with large customer bases and strong brand loyalty. The IPO could also encourage more retail investors to participate in future offerings, boosting overall activity in the UAE stock markets.
The outcome of the LuLu IPO will not only be a significant moment for the company but could also shape the future of retail investments in the UAE. Investors and market watchers will be keenly observing whether LuLu will indeed rewrite the record books and set a new benchmark for oversubscription in the country’s IPO history.
As October 28 approaches, one thing is certain: the LuLu IPO is set to be one of the most closely watched and hotly contested financial events of the year in the UAE.
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On October 17, 2024, at the Shangri-La Hotel in Dubai, NYK Law Firm was honored with the Rising Law Firm of the Year award at the prestigious Asian Legal Business (ALB) Middle East Law Awards. The award recognizes the firm's impressive growth and innovation in the legal field. Nasser Yousuf Alkhamis, the Managing Partner, proudly received the award on behalf of the firm. Led by Principal Partner Sunil Ambalavelil, NYK Law has rapidly emerged as a leader in the Middle East's legal landscape.
The ALB Middle East Law Awards is a renowned event celebrating the accomplishments of law firms and legal professionals in the region, focusing on innovation, client service, and excellence. This year, the awards brought together top legal minds to honor exceptional work in various practice areas.
NYK Law Firm, under the leadership of Principal Partner Sunil Ambalavelil and Managing Partner Nasser Yousuf Alkhamis, has quickly risen through the ranks, earning recognition for its remarkable contributions to commercial, corporate, and litigation practices. The firm offers a wide array of legal services, specializing in corporate law, real estate, intellectual property, banking and finance, and litigation, among others. Its quality solutions and commitment to client success have positioned it as a firm to watch in the region.
Sunil Ambalavelil, a prominent corporate and commercial lawyer, has been instrumental in shaping the firm’s strategic direction. His two decades of experience in leading international law firms and large diversified business conglomerates have allowed the firm to take on high-profile cases, building a reputation for delivering results. Nasser Yousuf Alkhamis, as Managing Partner, has complemented this with his leadership in fostering the firm’s growth, ensuring that NYK Law Firm remains innovative and client-focused.
In addition to this achievement, NYK Law Firm has formed strategic alliances with top law firms across the GCC, further solidifying its position of being one of the Best Law firms in Dubai and in the Gulf region. With a strong focus on client success and efficient legal solutions, NYK Law continues to make a significant impact in the Middle East.
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As the digital world continues to evolve, Dubai Police have flagged significant concerns over future cyber threats, with biometric data theft and cyberterrorism looming large. Major Tarek Belhoul, head of the virtual assets crime section at Dubai Police, highlighted the growing risks posed by digital crimes during the National Summit on Financial Crime Compliance in Abu Dhabi.
Belhoul emphasized that as economies transition towards digitization, new forms of cybercrime are emerging. These include the poisoning of data and increasing criminal activities in the metaverse. He warned that tampering with data, especially through artificial intelligence (AI), could fuel misinformation and propaganda warfare, a tactic already observed in today's digital landscape. “We see a huge projection of crime in the metaverse and digital space as our economies are transforming into digital economies," Belhoul stated.
One area of concern is the misuse of biometric data, such as fingerprints, iris scans, and facial recognition. Criminals are leveraging these identifiers to impersonate individuals and gain unauthorized access. Additionally, malware, ransomware, and vulnerabilities in IoT (Internet of Things) devices have been exploited repeatedly for financial gain.
Belhoul stressed that while investments in infrastructure are essential, the focus must also shift to empowering individuals and strengthening legislation to combat these evolving threats. He praised the UAE’s proactive stance, becoming the first Arab country with a dedicated unit to combat virtual asset-related crimes.
Protecting Children in the Digital Age
Addressing the growing digital risks children face, Major Belhoul advised parents to spend at least one hour daily with their children to monitor their online activities. He recommended engaging in conversations about their digital interactions rather than restricting device use. "It's crucial for parents to understand who their children are interacting with online, especially when it comes to gaming," he said.
Belhoul revealed that Dubai Police had established a dedicated section to tackle digital crimes involving children, reflecting the increasing dangers within the gaming industry. He urged parents to remain vigilant, as seemingly innocent online activities can sometimes conceal more harmful realities.
The National Summit on Financial Crime Compliance, attended by officials from the UAE, US, Europe, and the GCC, focused on the pressing challenges posed by financial and cybercrimes. Experts discussed strategies to combat these global threats as digital technology continues to evolve.
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Imagine completing your daily transactions without needing your wallet or bank cards. Thanks to the new "Your Vein is Your Identity" project by the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), this will soon become a reality in the UAE. The ground-breaking palm vein technology showcased at Gitex Global 2024 allows citizens, residents, and visitors to use their palm for identity verification, making tasks like opening a bank account or withdrawing cash more secure and convenient.
Just like fingerprints, the veins in your palm are unique, and this new system will use that uniqueness to verify your identity. Once implemented, the technology will eliminate the need for physical cards or mobile apps for transactions, providing a higher level of security as no visible bank data can be shared or stolen.
How Will the Palm Vein System Work?
To start using this innovative technology, users will need to register their palm vein through the ICP’s system, which will link it to their Emirates ID. The registration process is quick and easy. Once linked, users can access a variety of services across government, semi-government, and private sector entities, thanks to the integration of databases across these departments through ICP’s enterprise system.
Key Uses of Palm Vein Technology
This palm vein project marks a significant step in making everyday transactions faster, safer, and more convenient in the UAE.
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The UAE is positioning itself as a global leader in entrepreneurship by 2031, with significant reforms aimed at supporting small and medium enterprises (SMEs). Over 60 laws have been amended to promote SME growth and enhance their contribution to the national economy, as stated by Alia bint Abdulla Al Mazrouei, Minister of State for Entrepreneurship.
Speaking at the Expand North Star 2024 event, Al Mazrouei highlighted that the UAE has been ranked the best place in the world to start and operate a business for the third consecutive year by the Global Entrepreneurship Monitor (GEM) 2023/2024 report. The nation hosts more than 50 government and private incubators and accelerators, demonstrating a vibrant ecosystem that fosters entrepreneurship.
SMEs currently make up 95% of companies operating in the UAE and employ 86% of the private sector workforce, contributing 63.5% to the country’s GDP. The number of Emirati-owned SMEs grew by 10.4% in 2022, reflecting the sector's steady expansion.
The UAE’s supportive environment for entrepreneurship includes various initiatives such as the National Programme for Small and Medium Enterprises, The Entrepreneurial Nation, and the Future 100 initiative. The government has also launched free economic zones and industrial complexes, offering competitive tax rates, reduced fees for obtaining the National Value Added Certificate, and granting 10-year golden visas to entrepreneurs and talented individuals.
The UAE continues to collaborate with local, regional, and international partners to achieve its goal of becoming a global hub for entrepreneurship by 2031, with a focus on sectors like FinTech, sustainable manufacturing, smart mobility, and artificial intelligence. According to Al Mazrouei, entrepreneurship is a key factor in driving innovation, creativity, and economic growth across the UAE’s SME sector.
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In a significant move to expand its footprint in the booming e-hailing market, the Dubai Taxi Company (DTC), listed on the Dubai Financial Market (DFM), has entered into a partnership with Bolt, the Estonian mobility services firm. This collaboration aims to create the largest e-hailing platform in the UAE, unlocking a larger share of the Dh6 billion market for e-hailing services in Dubai.
A Game-Changer for E-Hailing Services
The partnership will enable the integration of Dubai Taxi’s fleet into the Bolt platform by the end of the year, making as many as 6,000 taxis and limousines available for e-hailing. Bolt, which operates in over 50 countries and boasts a customer base of more than 200 million users, is well-positioned to enhance DTC’s service offerings and increase its market presence.
This initiative comes at a time when the demand for e-hailing services is on the rise, driven by changing consumer preferences for convenient and accessible transportation options. By leveraging Bolt's advanced technology and extensive network, Dubai Taxi Company aims to enhance customer experience and streamline operations.
Strengthening Market Position
The collaboration is expected to provide Dubai Taxi Company with a competitive edge in the local market, where several players are vying for dominance in the e-hailing sector. The Dh6 billion market represents a lucrative opportunity for growth, and DTC is keen to capitalize on this potential through the partnership with Bolt.
Khaled Al Awadi, CEO of Dubai Taxi Company, expressed enthusiasm about the partnership, stating, "We are excited to collaborate with Bolt, a leader in the global mobility sector. This partnership will not only enhance our service offerings but also provide our customers with a seamless and efficient transportation experience."
Innovative Solutions for Users
The Bolt platform is known for its user-friendly interface and efficient service, which aligns with DTC’s vision of providing high-quality transportation solutions. Customers will soon be able to book rides through the Bolt app, gaining access to a diverse range of vehicles, including taxis and limousines, all at competitive prices.
Moreover, the partnership is expected to bring innovative features such as real-time tracking, cashless payment options, and a loyalty rewards program, enhancing the overall user experience.
A Step Towards Future Mobility
As cities around the world continue to embrace smart mobility solutions, the partnership between Dubai Taxi Company and Bolt marks a significant step toward transforming transportation in Dubai. By harnessing technology and innovation, the collaboration aims to create a more sustainable and efficient transportation ecosystem, benefiting both residents and visitors alike.
This partnership not only underscores Dubai’s commitment to enhancing its transportation infrastructure but also positions it as a leader in the regional mobility landscape. With the integration of 6,000 vehicles onto the Bolt platform, Dubai Taxi Company is set to make a lasting impact on the future of e-hailing services in the UAE.
Conclusion
The collaboration between Dubai Taxi Company and Bolt signifies a major advancement in the e-hailing sector, offering new opportunities for growth and improved service delivery. As the demand for convenient transportation solutions continues to rise, this partnership is poised to redefine the way people travel in Dubai, setting the stage for a more connected and accessible future.
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In an exciting development unveiled at the Gitex Global 2024 tech event in Dubai, the UAE introduced the 'UAE Fast Track' app, which will allow visitors to register their data before arriving in the country, significantly simplifying the immigration process. This cutting-edge initiative will enable non-resident arrivals to pass through smart gates, bypassing the traditional queues at immigration and passport control, thus offering a faster and more efficient entry experience.
Revolutionizing the Entry Process
Major General Suhail Saeed Al Khaili, Director-General of the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), made the announcement at the tech show. He emphasized that the app is designed to eliminate the need for physical registration upon arrival, providing visitors with a seamless entry into the UAE.
Instead of the current procedure that involves lining up at immigration counters, the app will allow users to pre-register their personal information and travel details, enabling them to pass through the smart gates upon landing. The process is designed to be hassle-free and reduce waiting times, offering a smoother and faster experience for visitors.
Enhancing UAE's Digital Leadership
The 'UAE Fast Track' app is part of a broader effort by the UAE to solidify its position as a global leader in digital transformation and innovation. Major General Al Khaili highlighted that this initiative reflects the country's ongoing commitment to enhancing visitor experiences by reducing bureaucracy, streamlining procedures, and leveraging cutting-edge technology to facilitate ease of travel.
As the UAE continues to prioritize digital innovation, the app not only aligns with the country's forward-thinking approach but also enhances its global standing in terms of technological advancements in travel and tourism. The initiative is expected to benefit millions of visitors each year, whether for business or leisure, by making their entry into the country more convenient.
A Smooth and Comfortable Travel Experience
In addition to shortening wait times, the 'UAE Fast Track' app offers several other advantages. Visitors will no longer need to physically register at immigration stations upon arrival. Instead, by using the app to submit the necessary data beforehand, they will experience a much smoother and faster transition from landing to exiting the airport.
This innovation aims to make travel to the UAE more attractive by offering a high level of convenience for tourists and business travelers. By enhancing the overall travel experience, the UAE is set to maintain its appeal as a leading global destination for visitors from all over the world.
Conclusion
With the launch of the 'UAE Fast Track' app, the UAE has taken another significant step toward revolutionizing its travel and tourism infrastructure. By enabling visitors to pre-register their details and use smart gates, the app will streamline entry procedures and improve efficiency at airports across the country.
As part of the UAE's commitment to innovation and digital transformation, this new development not only enhances convenience for travelers but also reinforces the country's leadership in embracing technology to improve essential services. The 'UAE Fast Track' project promises to make visits to the UAE easier, more efficient, and more comfortable than ever before.
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Elon Musk has expressed his delight after SpaceX successfully returned its fifth Starship test flight to its Texas launch pad, marking another significant step toward revolutionizing space travel.
The test flight on Sunday was particularly noteworthy as it marked the first time the rocket’s towering first-stage booster, known as the "Super Heavy," returned using giant metal arms to secure its landing. This engineering milestone is part of SpaceX’s broader mission to develop fully reusable spacecraft capable of undertaking missions to the Moon, Mars, and beyond.
Liftoff occurred at 7:25 AM CT from SpaceX's Boca Chica facilities, where the Super Heavy booster propelled the Starship second stage rocket towards space. After reaching an altitude of approximately 70 kilometers, the booster separated and began its controlled descent back to Earth. In a carefully orchestrated maneuver, the booster reignited three of its 33 Raptor engines to slow its descent, guiding itself back to the launch site.
The towering 71-meter Super Heavy booster descended into the launch tower’s arms, securing itself using four forward grid fins to steer through the air. This is the first time SpaceX has successfully caught the massive rocket with the tower's metal arms, a feat that will play a crucial role in making future missions more efficient and cost-effective.
“This landing brings us one step closer to Mars,” Musk shared on social media, celebrating the achievement and the continued progress in SpaceX’s goal of creating reusable rockets that will make space travel more accessible and sustainable.
The successful landing marks a critical moment for SpaceX as the company continues pushing the boundaries of rocket reusability, a key factor in making deep-space exploration more affordable. With the development of the Starship system, SpaceX is positioning itself as a leader in space exploration, with plans to use the vehicle for crewed missions to the Moon and Mars in the coming years.
As SpaceX continues to achieve engineering breakthroughs, the dream of sending humans to other planets is moving closer to reality.
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The Authors Guild has teamed up with the online platform Created by Humans to launch a partnership aimed at enabling authors to license their works to AI developers, ensuring they maintain control over how their content is used.
As the largest professional organization for writers in the US, the Authors Guild is working to protect and promote authors' rights in the face of rapid AI advancements. The partnership is designed to put authors "in the driver's seat" when it comes to AI licensing, allowing them to decide if, when, and how AI companies use their works. This move comes amid legal battles involving AI companies, such as OpenAI, which have faced lawsuits from authors and media organizations for allegedly using copyrighted material without permission to train large language models (LLMs).
The platform will offer authors a clear path to control, manage, and monetize their content, providing AI developers with access to high-quality, curated written works—fully authorized by the rightsholders. Mary Rasenberger, CEO of the Authors Guild, emphasized that this initiative offers authors a way to engage with AI platforms on their own terms, ensuring they are fairly compensated for the use of their works.
As generative AI technology becomes increasingly prevalent, Rasenberger highlighted the urgency of returning control to authors and their publishers, stating that licensing is the key to achieving this. She pointed out that, while licensing deals are already being made between publishers and AI companies, authors themselves have often been left out of these discussions.
Created by Humans co-founder and CEO, Trip Adleris, described the collaboration as a way to build ethical AI systems that respect creators' rights while advancing technology. The platform will open for author and publisher registration later this year, with plans to offer licenses to AI companies by early 2025, providing a new revenue stream for authors and enabling AI developers to access authorized, accurate content.
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Ratan Tata, the former chairman of Tata Sons, has made significant contributions to fostering India-Gulf economic relations. Under his leadership, the Tata Group expanded its presence in the Gulf region, contributing to key sectors such as automotive, telecommunications, and infrastructure. Notably, Tata Motors’ commercial vehicles became prominent in Gulf markets, while Tata Consultancy Services (TCS) provided IT services to many companies across the region. His emphasis on strengthening bilateral trade, collaboration, and investment helped pave the way for stronger ties between India and the Gulf, benefiting both economies.
Ratan Tata should be remembered for his visionary leadership, ethical business practices, and commitment to social responsibility. He transformed the Tata Group into a global conglomerate, spearheading innovations across industries like steel, automotive, and technology while maintaining a strong focus on philanthropy.
His decision to acquire international brands like Jaguar Land Rover and Corus Steel brought global recognition to Indian industry. Beyond business, his emphasis on community welfare through initiatives in healthcare, education, and rural development has left a lasting positive impact. His legacy lies in shaping India's industrial growth with integrity, compassion, and a global outlook.
Former Chief Justice of India Ranjan Gogoi pays tribute to Ratan Tata, says 'a great loss for India', "It was an honor and privilege to share a few moments with the great person that he was," said Gogoi, adding, "Not only has Business India lost a visionary leader, but the entire country has lost a man who inspired all for several decades."
Sunil Ambalavelil, Principal Partner of NYK Law Firm, Dubai, pay tributes to Ratan Tata, “He was a visionary who created global opportunities, generating employment and empowering people. His legacy will inspire future generations, and we honor the positive change he made.”
Oscar Award winning Musician AR Rahman took to X to pay tributes to Ratan Tata, “Some icons are living textbooks, teaching us about leadership, success, and legacy. Extraordinary yet human and approachable, they inspire and guide us. India has lost a true son and champion. Rest in peace, Ratan ji”.
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The UAE has successfully signed Comprehensive Economic Partnership Agreements (CEPAs) with 20 strategic nations, six of which are already operational, according to Dr. Thani bin Ahmed Al Zeyoudi, UAE’s Minister of Foreign Trade. Speaking on Tuesday, he emphasized the UAE's focus on fostering global trade partnerships and future growth opportunities.
“We have now finalized around 20 CEPAs, with six currently in effect, including those with key regional players like India and Turkey. These agreements open new markets for our exporters, manufacturers, and investors, granting access to nearly a quarter of the world’s population. They are driving growth across Asia and the Middle East,” said Dr. Al Zeyoudi.
The UAE's first CEPA with India was implemented on May 1, 2022. Since then, the country has forged CEPAs with major trade partners such as Israel, Chile, Colombia, Turkey, Indonesia, Georgia, and Cambodia, significantly boosting trade by reducing tariffs in bilateral agreements.
Dr. Al Zeyoudi was speaking at the 4th Global Trade and Supply Chain summit, organized by The Economist. The two-day event featured discussions by top officials from the UAE, GCC, and the US, covering topics like AI in logistics, global talent shortages, and the future of trade.
“In the first half of 2024, our non-oil foreign trade reached Dh1.4 trillion, marking an 11.2% increase from the same period in 2023. Notably, our non-oil exports saw a 25% rise, reaching Dh256 billion, setting new records,” the minister noted.
He also highlighted the UAE’s impressive trade growth, which outpaced global averages. “While global trade grew by just 1.5% in the first six months of 2024, our proactive trade policy resulted in growth eight times that figure. In the last three weeks alone, we have concluded CEPAs with Australia, New Zealand, Serbia, and Georgia, underscoring the scale and ambition of our CEPA program,” Al Zeyoudi added.
Reaffirming the UAE’s commitment to multilateral trade, the minister said, “Expanding trade benefits all economies. That’s why the UAE continues to support a global trading system, rejects isolationism, and fosters connections from South America to the Asia-Pacific. We remain one of the most globally connected countries.”
He also emphasized the importance of the UAE's logistical infrastructure and its role as a major supply chain hub. “Trade is central to the development of nations, especially in the Global South. Over the last 50 years, we’ve seen how trade boosts productivity, creates jobs, drives innovation, and raises living standards.”
Dr. Al Zeyoudi concluded by asserting that while other nations may link trade with politics, the UAE will continue to focus on the economic opportunities of tomorrow.
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In the UAE, residents are increasingly falling victim to credit card fraud, facing debt that can amount to as much as Dh120,000. This growing issue, where customers are often blamed instead of finding solutions, is putting financial strain on many individuals. From unauthorized credit card charges to emptied bank accounts, residents are left battling recovery agents and legal threats, often without adequate support from their banks.
One alarming case involves an individual who discovered fraudulent credit cards issued in his name, each maxed out to around Dh30,000. The fraudsters had manipulated bank systems to reroute statements to fake email addresses and control OTPs (One-Time Passwords) meant for the legitimate account holder. Despite the clear signs of fraud, the banks initially held the victim responsible, demanding payment for the debt, which exceeded Dh120,000. While some banks eventually waived the charges after a legal battle, others continue to insist on repayment.
This case is not isolated. Across the UAE, residents are reporting similar incidents of fraud. With cyberattacks increasing, including phishing, DDoS, and ransomware, many individuals are finding their accounts drained or credit cards charged without their knowledge. The issue is compounded by banks often failing to notify customers about suspicious activity in a timely manner, leaving account holders in a vulnerable position.
One resident discovered her credit card was used abroad, despite never leaving the UAE. Another had her card charged even after it had been blocked. In yet another case, a customer found that multiple unauthorized transactions had occurred without any OTP verification. In all of these instances, the banks shifted the blame to the customers, threatening legal action and sending recovery agents to harass the victims.
For many residents, the process of recovering stolen funds and restoring their financial standing is long and arduous. Some victims, even after extensive legal battles, are still facing significant debt and rising fees. The lack of immediate support or acknowledgment from banks leaves victims feeling trapped in a system where they are held accountable for security failures beyond their control.
The issue goes beyond individual cases. Insider involvement and bank security lapses are suspected to play a role in these fraud incidents. Banks are being urged to adopt advanced technology to protect against cyber breaches. Implementing systems like AI-driven fraud detection, blockchain-based identity verification, and SIM-swap detection tools are critical measures needed to safeguard customers from future fraud.
Despite these technological solutions, accountability remains a key issue. Banks have a duty of care to protect their customers, and when they fail to do so, they should be held liable. Recent court rulings in the UAE have demonstrated that banks can be ordered to compensate victims of fraud, particularly in cases where security measures were inadequate or not enforced.
While efforts to enhance cybersecurity in the financial sector are underway, including real-time cyber-attack simulations and webinars focused on data protection, many victims continue to face unresolved cases. The tendency of some banks to shift responsibility onto customers rather than address internal shortcomings only worsens the situation. Until stronger measures are put in place and banks are held accountable for their role in these breaches, residents may continue to find themselves burdened by debts they did not incur.
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Wynn Resorts, the renowned hotel and casino operator, has been granted the UAE’s first commercial gaming licence by the General Commercial Gaming Regulatory Authority (GCGRA). The Las Vegas-based company is currently developing Wynn Al Marjan Island, the first integrated gaming resort in the Middle East and North Africa (MENA) region. Set to open in early 2027, the project will be located on a 62-hectare island extending into the Arabian Gulf.
This new resort in Ras Al Khaimah will feature both gaming and non-gaming amenities, with the latter including 1,542 rooms and suites, as well as 22 private villa estates. It will also be the first beachfront property among Wynn’s global locations, which include Las Vegas, Macau, and Boston Harbor.
The GCGRA defines commercial gaming as any game of chance or a combination of chance and skill where money is wagered to win a sum of money or valuable items. Wynn Al Marjan Island’s gaming facilities will operate under strict regulations set by the GCGRA, which has carried out an extensive review of the licence process.
The resort’s construction began in 2023, with the 300-metre-tall resort tower expected to be completed by late 2025. While the gaming component is highly anticipated, Wynn Al Marjan Island will also focus on boosting the UAE’s tourism economy with its luxury offerings.
This is the second licence issued by the GCGRA, following the issuance of a licence for the country’s first authorised lottery to Abu Dhabi-based The Game LLC in July.
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The global LegalTech market is set to experience significant growth in the coming decade, driven by advancements in artificial intelligence (AI), automation, and increased demand for efficient legal solutions. According to Future Market Insights, the market, valued at USD 29.60 billion in 2024, is projected to reach USD 68.04 billion by 2034, registering a robust compound annual growth rate (CAGR) of 8.7%.
Key Drivers of Growth
The rapid digital transformation within the legal industry, the need for cost-effective operations, and regulatory changes are some of the primary factors contributing to the expansion of the LegalTech market. Automation and AI-driven technologies are reshaping legal services, allowing law firms, corporate legal departments, and government organizations to streamline operations and enhance decision-making processes.
The adoption of AI and machine learning is revolutionizing various legal tasks such as document review, contract drafting, case research, and litigation support. These tools are enabling faster, more accurate legal processes while reducing manual workloads. Additionally, the need for regulatory compliance in industries such as finance, healthcare, and corporate governance is driving the demand for LegalTech solutions that help businesses stay compliant with increasingly complex regulations.
UAE Perspective
The UAE is emerging as a significant player in the global LegalTech market due to its commitment to innovation and digital transformation across industries. As part of its broader economic vision, the UAE is integrating advanced technologies into its legal framework, making it easier for legal entities to adopt digital solutions.
AI-driven legal platforms and blockchain technology are gaining traction in the UAE’s legal industry, as they offer greater transparency, efficiency, and cost reduction. The growing interest in cybersecurity solutions for legal platforms is another key trend, given the country's emphasis on protecting digital infrastructure.
With the UAE’s focus on becoming a global hub for technology and business, the LegalTech market in the region is expected to witness increased adoption among law firms, corporate legal departments, and government bodies. The country's drive for regulatory compliance, coupled with its ambitions for innovation in legal processes, makes it a crucial player in the global LegalTech landscape.
Global Trends and Opportunities
Globally, the LegalTech sector is evolving rapidly, with AI, blockchain, and machine learning becoming essential components of modern legal services. The market is seeing a surge in demand for solutions like contract lifecycle management, e-discovery, legal analytics, and compliance platforms.
One of the major trends shaping the market is the increasing interest in blockchain for legal contracts and documentation, offering secure and transparent ways to manage legal agreements. The integration of AI in legal research and compliance management is also transforming how law firms and businesses handle legal tasks, making them more efficient and accurate.
The LegalTech market presents significant growth opportunities in emerging markets, particularly in regions such as Latin America, Asia-Pacific, and the Middle East. Small and medium enterprises (SMEs) are also expected to contribute to the market’s expansion, as they adopt technology-driven solutions to reduce costs and improve legal operations.
Market Leaders and Competitive Landscape
Thomson Reuters continues to lead the global LegalTech market with its comprehensive suite of legal software solutions and AI-driven platforms. Other major players include RELX Group, Clio, Litera, Wolters Kluwer, and iManage, all of which are expanding their portfolios through innovative technologies and strategic acquisitions.
These companies are driving the adoption of AI, automation, and cloud-based solutions, which are increasingly favored for their scalability, enhanced security features, and ability to support remote working—a trend amplified by the COVID-19 pandemic.
Market Segmentation and Regional Outlook
The LegalTech market is segmented into various solutions, including cloud-based and on-premises platforms, case management, document management, contract lifecycle management, and billing and accounting systems. Law firms and corporate legal departments are the primary end-users, with a growing demand for integration and consulting services to implement these technologies effectively.
Geographically, North America remains the largest market for LegalTech solutions, followed by Europe. However, regions like East Asia, South Asia, and the Middle East & Africa (MEA) are expected to witness significant growth in the coming years, as legal entities in these regions increasingly adopt technology-driven solutions to meet rising regulatory demands and improve operational efficiency.
In conclusion, the global LegalTech market is on a path of rapid expansion, fueled by the increasing adoption of AI, automation, and digital transformation in legal services. The UAE, with its focus on innovation and regulatory compliance, is well-positioned to play a key role in the sector’s growth, both regionally and globally.
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A legal battle spanning seven years has come to a close, with Dubai's Court of Cassation ruling against a $100 million (Dh367 million) copyright claim filed by a UAE-based publishing firm. The court's decision favoured an American video game company, which had been entangled in the dispute since 2018.
The conflict arose when the game publisher in the UAE filed a lawsuit, alleging ownership of specific modes in a popular video game and seeking $100 million in compensation after the American firm terminated their contract. The case progressed through multiple stages, with appeal judges in Dubai thoroughly reviewing the evidence.
On March 15, the court affirmed the American company's ownership of the game and its various modes. The publisher was ordered to pay Dh18.7 million to the gaming firm, underscoring the UAE’s dedication to protecting intellectual property rights.
The gaming firm's legal team praised the verdict, stating, "This judgement highlights the UAE's robust legal framework and its commitment to safeguarding intellectual property. It reassures the global creative community that the UAE remains a safe hub for innovation and creativity."
The ruling sends a strong message about the nation's commitment to upholding the rule of law and fostering a protective environment for intellectual property rights.
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Bitcoin, long known for its dramatic price swings, has surprised investors in 2024 by exhibiting a level of stability previously unseen in its history. As the largest cryptocurrency by market capitalization remains range-bound between $65,000 (Dh238,745) and $70,000 (Dh91,826), this newfound stability is causing many to reconsider their views on whether Bitcoin can now be considered a safer, long-term investment.
Bitcoin's History of Volatility
Since its inception in 2009, Bitcoin has been synonymous with extreme volatility. Early adopters witnessed the cryptocurrency skyrocket from mere cents to thousands of dollars in just a few years, while skeptics watched the value plummet just as quickly during market corrections. These wild price fluctuations were often linked to regulatory concerns, security breaches on exchanges, or broader economic factors affecting investor sentiment. As a result, Bitcoin has been viewed as a high-risk asset class, appealing mostly to speculative investors seeking quick profits.
However, in 2024, Bitcoin has largely traded within a narrow price range, maintaining a level of consistency that has surprised many market analysts. This newfound stability raises a critical question: Has Bitcoin matured to the point where it is now a viable long-term investment?
What’s Behind the Stabilization?
Several factors contribute to the current stability in Bitcoin’s price. Firstly, broader adoption of the cryptocurrency, both by institutional investors and by major corporations, has lent Bitcoin a degree of legitimacy and reduced the speculative swings that once defined it. In addition, as more financial products linked to Bitcoin—such as exchange-traded funds (ETFs) and futures contracts—become available, investors now have more sophisticated tools to manage their exposure, leading to a less volatile market.
Moreover, regulatory clarity in key markets like the U.S. and the European Union has eased concerns about government crackdowns, which have historically caused panic selling among investors. As global financial institutions increasingly view Bitcoin as a store of value or a hedge against inflation, the asset class is experiencing more widespread acceptance, stabilizing its price.
Is Bitcoin Becoming a Safe Investment?
The reduction in Bitcoin’s volatility has prompted fewer analysts to take a polarizing stance on its viability as an investment. In past years, financial experts were often divided into two camps: those who believed Bitcoin was a bubble destined to burst, and those who viewed it as the future of money and a hedge against inflation. Now, the middle ground is becoming more populated, as even former skeptics are acknowledging the cryptocurrency’s growing resilience.
“Bitcoin has shown a remarkable ability to weather market turbulence and maintain a strong value proposition as a decentralized asset,” said one cryptocurrency analyst. “With price fluctuations becoming more subdued, Bitcoin is transitioning from being a speculative asset to a more stable form of digital gold.”
That said, experts caution that while Bitcoin's volatility has decreased, it is far from a "risk-free" investment. Cryptocurrencies remain vulnerable to external forces such as changes in regulation, technological disruptions, or macroeconomic trends. Nonetheless, the improved stability has made Bitcoin a more attractive option for investors who were previously deterred by its unpredictability.
Institutional Investors on Board
One of the key drivers of Bitcoin’s recent stability is the growing participation of institutional investors. Large financial firms, hedge funds, and even pension funds are increasingly allocating a portion of their portfolios to Bitcoin. This influx of capital has contributed to less erratic price movements, as institutional players are generally more focused on long-term gains rather than short-term speculation.
Major corporations are also adding Bitcoin to their balance sheets, seeing it as a hedge against inflation and currency devaluation. This corporate interest further strengthens Bitcoin’s position as a mainstream financial asset, fostering confidence among individual investors who may have once viewed it as a fringe investment.
Regulatory Developments
Regulation has long been a significant factor in Bitcoin’s price movements. In the early years, the threat of government crackdowns or the outright banning of cryptocurrency transactions could send prices into a tailspin. However, 2024 has seen increased regulatory clarity in many major markets. Governments are now implementing clear frameworks that allow for the responsible use of cryptocurrencies, reducing the uncertainty that once caused panic in the market.
This regulatory transparency has encouraged more investors to enter the market, knowing that their investments are safeguarded by legal protections. As countries continue to develop and refine their cryptocurrency regulations, Bitcoin could become even more stable, potentially cementing its status as a long-term investment vehicle.
The Future of Bitcoin: Is It Truly Risk-Free?
While Bitcoin’s recent stability is a promising development, experts urge caution. Cryptocurrency markets are still relatively young, and Bitcoin’s price could remain susceptible to factors like regulatory changes, technological advancements, or shifts in investor sentiment. Although Bitcoin may no longer be the wild rollercoaster it once was, it remains an asset with inherent risks.
Investors considering Bitcoin as part of their portfolio should carefully weigh its potential for growth against the risks that come with investing in a digital currency. The current trend of reduced volatility may continue, but Bitcoin’s future trajectory is far from guaranteed.
Conclusion
Bitcoin's transformation in 2024, from a notoriously volatile asset to one with more consistent price movements, has marked a significant turning point in its evolution as a financial asset. While the cryptocurrency is not entirely risk-free, its stability is making it a more attractive option for long-term investors. With increased institutional adoption, regulatory clarity, and reduced price swings, Bitcoin may finally be shedding its reputation as a speculative asset and evolving into a reliable investment option.
As always, investors should remain vigilant and stay informed about potential risks, but Bitcoin’s recent performance suggests that it is indeed moving toward becoming a more stable asset class in the global financial landscape.
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PJT Partners, a leading global investment bank, has announced the acquisition of Dubai-based deNovo Partners, one of the Middle East’s foremost corporate finance and M&A advisory firms. This strategic move marks PJT Partners' formal entry into the Middle East, expanding its global footprint and enhancing its service capabilities in the region.
Headquartered in New York, PJT Partners operates worldwide with around 1,000 professionals. The firm specializes in strategic advisory, mergers & acquisitions, fundraising, and restructuring services. By acquiring deNovo Partners, PJT Partners now strengthens its presence in a key financial hub, positioning itself to better serve regional and international clients with business interests in the Middle East.
A Strategic Expansion into the Middle East
While PJT Partners has previously worked on several high-profile deals in the Middle East, the acquisition of deNovo Partners establishes its first physical office in the region. This new Dubai office joins PJT’s network of offices located in major financial centers such as New York, London, Paris, Frankfurt, Hong Kong, and Tokyo.
“We are delighted to welcome deNovo Partners into the PJT family as we continue to grow our global footprint,” said Paul Taubman, Chairman and CEO of PJT Partners. “This acquisition strengthens our ability to serve clients both in the Middle East and internationally, leveraging deNovo’s deep regional expertise.”
deNovo Partners: A Regional Powerhouse in M&A
Founded in 2010 by May Nasrallah, a former head of Morgan Stanley’s investment banking business in the MENA region, deNovo Partners has established itself as one of the leading home-grown corporate finance and M&A firms in the Middle East. The firm has grown into a 20-person team, with its senior professionals bringing extensive experience from top-tier investment banks and financial advisory firms.
deNovo Partners has a strong track record in mergers & acquisitions, having completed over 100 transactions valued at more than $15 billion. The firm also specializes in capital raising, debt advisory, financial restructuring, and valuations, making it a well-rounded player in the region's financial services industry.
Notable transactions for deNovo Partners in 2024 include securing a $3.25 billion financing facility for Dubai-based GEMS Education—one of the largest private-sector M&A deals in the Middle East this year. The firm also facilitated the sale of a 35% stake in Brands For Less, a Lebanese-origin retail company, to The TJX Companies at a $1.2 billion valuation.
A Long-Standing Partnership Becomes Permanent
The acquisition builds on a strategic alliance that PJT Partners and deNovo Partners formed in 2020. According to Nasrallah, the timing was ideal for a full integration. “Having worked closely with PJT Partners for years, I’ve always admired the world-class platform they’ve built in such a short span of time. This merger allows us to enhance our capabilities and serve our clients on a truly global scale,” she said.
Nasrallah, a seasoned finance professional with decades of experience, sees the acquisition as a natural progression. She emphasized the shared commitment between both firms to delivering high-quality advice and maintaining long-term client relationships. “We are thrilled to join forces with PJT Partners. Together, we can build on this strong foundation and expand our services to clients globally,” she added.
What the Acquisition Means for PJT Partners
For PJT Partners, this acquisition significantly enhances its ability to navigate the Middle Eastern market, an increasingly important region for corporate finance and M&A activities. With deNovo Partners' established reputation and expertise, PJT gains access to a deep network of regional businesses and investors, providing a solid platform to grow its operations across the Middle East.
The deal, whose terms have not been publicly disclosed, is expected to be finalized next month. This acquisition is a key milestone in PJT Partners’ strategy to extend its global reach and further penetrate high-growth markets.
As PJT Partners continues to expand its presence internationally, the firm’s integration of deNovo Partners signals its commitment to delivering top-tier financial advisory services across the globe, while leveraging local expertise to create more value for its clients.
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The Brazilian Supreme Court has ruled that X, formerly known as Twitter, must pay fines for failing to comply with a court order requiring the appointment of a legal representative in Brazil. This decision comes after a prolonged legal dispute between the social media platform and Brazilian authorities, who have been pushing for compliance with local laws governing foreign companies operating in the country.
The Supreme Court’s ruling effectively means that X will be unable to resume its full activities in Brazil until the fines are paid and the company adheres to the legal requirement of having a local representative. This representative would serve as the company’s point of contact with the Brazilian government, ensuring that X complies with national regulations.
Brazil has been strict in enforcing its digital laws, particularly with foreign tech companies, as part of its efforts to regulate online content and hold platforms accountable for any legal issues that arise. The Brazilian authorities have expressed concerns over the role of social media in spreading misinformation, hate speech, and other harmful content, which has led to increased pressure on companies like X to conform to local laws.
X's parent company, now under the leadership of Elon Musk, has faced various legal challenges worldwide as it rebrands and restructures its operations. In Brazil, this non-compliance has resulted in fines, and the company must now act quickly to appoint a representative and settle the fines to restore its standing in the country.
It remains to be seen how X will navigate this legal hurdle, but the ruling sends a strong message that Brazil is serious about enforcing its regulations on international companies operating within its borders.
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The UFC has reached a $375 million settlement with a group of former fighters in a class-action lawsuit, marking a major development in the ongoing legal battles surrounding the organization’s business practices. The agreement, reached on Thursday, comes after a previous settlement was rejected by a Nevada district judge, forcing the UFC to return to negotiations.
Background of the Lawsuit
The lawsuit, initially filed in 2014, alleges that the UFC (Ultimate Fighting Championship) engaged in anti-competitive practices that limited fighters’ earning potential. Fighters claimed that the UFC maintained a near-monopoly over the MMA (Mixed Martial Arts) industry, preventing them from pursuing more lucrative contracts with rival promotions. According to the fighters, this allowed the UFC to keep fighter compensation artificially low, even as the company’s revenues soared.
The plaintiffs, which include former UFC fighters, argue that the organization’s restrictive contracts and exclusive promotional rights violated U.S. antitrust laws. The UFC, while denying any wrongdoing, has consistently fought back, arguing that its contracts are legal and in line with industry standards.
The Settlement Details
The $375 million settlement is a substantial sum and a clear indication that the UFC is seeking to put this particular legal issue behind them. The settlement will provide compensation to the fighters who were part of the class-action suit, which includes athletes who competed in the UFC between December 2010 and June 2017.
The settlement was finalized after a previous agreement was thrown out by a Nevada district judge, who ruled that the initial deal did not adequately address the fighters' concerns. This ruling forced both sides back to the negotiating table, eventually leading to the higher settlement amount.
Although the UFC has not admitted any wrongdoing in connection with the settlement, the financial payout is one of the largest in the history of MMA and could have wide-reaching implications for how fighter contracts are structured in the future.
Ongoing Legal Challenges
Despite the settlement, the UFC’s legal troubles are far from over. Another class-action lawsuit, involving a different group of former fighters, remains unresolved. This case, which is still pending, centers around similar claims of anti-competitive practices and unfair fighter pay.
The outcome of this second lawsuit could potentially have further financial and operational implications for the UFC, especially if the fighters involved win their case or reach a separate settlement agreement.
Impact on Fighters and the MMA Industry
The settlement is likely to have a lasting impact on the way the UFC and other MMA promotions conduct business. Over the years, fighters and industry insiders have long criticized the pay structure within the UFC, with many arguing that fighters deserve a larger share of the promotion's substantial revenue streams.
UFC President Dana White has frequently dismissed such criticisms, maintaining that the UFC compensates its fighters fairly. However, the lawsuit and subsequent settlement underscore the growing discontent among athletes who feel underpaid for their efforts, particularly in light of the billions of dollars the UFC has generated from pay-per-view events, sponsorship deals, and media rights.
Some industry experts believe that the settlement could pave the way for more transparency in fighter pay, with the potential for future adjustments to the revenue-sharing model between fighters and promoters. The case has also highlighted the ongoing debate about whether MMA fighters should have a union or association to collectively bargain for better pay and working conditions, similar to athletes in other professional sports leagues.
The UFC’s Response
While the UFC has not publicly commented on the specifics of the $375 million settlement, the organization remains firm in its stance that it operates within the boundaries of the law. In past statements, UFC officials have pointed to the growth of the sport under their leadership and the increasing opportunities for fighters to compete at the highest level.
It is likely that the UFC will continue to face pressure from fighters and advocates calling for reforms to how athletes are compensated, but for now, the organization has taken a significant step toward resolving one of the major legal challenges it faces.
Conclusion
The $375 million settlement represents a major milestone in the long-standing legal battle between the UFC and its former fighters. While this settlement resolves one class-action lawsuit, another remains pending, meaning the UFC’s legal struggles are not entirely over. The broader impact of this settlement on fighter pay, contract practices, and the MMA industry as a whole could be profound, potentially leading to lasting changes in how fighters are compensated for their work inside the Octagon.
For now, fighters who were part of the class-action lawsuit can expect to receive compensation from the settlement, but the future remains uncertain as the UFC navigates the remaining legal challenges.
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Amazon.com Inc. has unveiled a new artificial intelligence (AI) assistant, codenamed Project Amelia, designed to help online merchants navigate and enhance their business operations on the platform. The announcement came during Amazon's annual Accelerate conference, marking another major step in the company's efforts to stay ahead in the competitive AI landscape alongside tech giants Microsoft, Google, and OpenAI.
A New AI-Driven Era for Amazon Sellers
The introduction of Amelia aims to simplify and streamline the often-complex process of selling on Amazon, particularly for smaller merchants who may not have the resources to manage every detail of their online business. Amelia is capable of answering a wide range of questions, from how sellers should prepare for peak shopping periods like the holiday season to offering optimized product listing suggestions.
Amelia’s design focuses on practical, real-time assistance for merchants. It can generate product descriptions, create or modify images, and even help sellers develop product videos—an increasingly important tool for engaging customers in the e-commerce space. The AI assistant was introduced as part of a suite of tools Amazon is rolling out to help its marketplace sellers, who contribute to the majority of sales on the platform.
Building on Amazon’s AI Foundations
Amazon’s push to integrate AI across its platform reflects the broader competitive landscape in the tech industry. The company has been increasingly relying on AI to enhance both customer and seller experiences. Amelia is built atop Bedrock, a software platform that simplifies access to large language models from third parties as well as Amazon's own proprietary models.
During a demonstration at the Accelerate conference, Amelia was shown helping sellers generate bullet points about their product lines and providing recommendations. Over time, the AI assistant is expected to become more personalized and anticipatory, adapting to the needs of individual merchants. Mehta also stated that Amelia will eventually be able to take certain actions autonomously on behalf of the sellers.
Amazon’s Larger AI Ambitions
Amazon has been heavily investing in AI-powered solutions across its platform. Recently, it introduced Amazon Q, a workplace chatbot designed to assist corporate clients with searching for information, writing code, and reviewing business metrics. Meanwhile, Rufus helps consumers with product comparisons on the Amazon website.
For marketplace sellers, in particular, Amazon has rolled out various AI-driven tools aimed at optimizing product listings and improving business operations. These include software that helps sellers enhance their listings, create more compelling imagery, and, as of Thursday’s announcement, tools for creating product videos. Amelia is currently available in beta for a select group of sellers and is set to roll out across the U.S. in the coming month, with plans for international availability by the end of the year.
AI and Seller Autonomy
While Amelia is seen as a tool to enhance merchant autonomy, Amazon’s relationship with its third-party sellers has often been criticized for being overly reliant on algorithms. Many sellers have expressed frustration over account suspensions due to algorithmic errors, which they say can occur without explanation or proper recourse.
In response to such concerns, Amazon demonstrated at the conference how Amelia would handle common seller issues. For instance, if a product shipment is missing from Amazon’s records, Amelia would attempt to solve the problem. If unable to do so, it can escalate the issue to Amazon’s support team, showing a clear recognition of the need for more human interaction in the automated seller relationship.
Legal Opinion: Implications of AI Assistance for Sellers
While AI tools like Amelia promise to provide substantial benefits to online merchants, there are several legal and operational concerns that sellers should be aware of. One major issue is liability—if Amelia provides incorrect guidance or if an automated action taken on behalf of a seller leads to a negative outcome, such as a financial loss or breach of contract, who would bear the responsibility? Amazon’s terms of service likely include limitations on liability for these AI-driven tools, but merchants should thoroughly review these terms to understand the legal risks.
Furthermore, the increasing use of AI in Amazon's marketplace raises privacy and data protection concerns. Sellers should be vigilant about what data is shared with Amazon’s AI systems, especially sensitive business information that could potentially be exposed to unauthorized parties. Additionally, sellers should ensure compliance with international data protection regulations, such as the General Data Protection Regulation (GDPR), if they are operating in or serving European customers.
Finally, there is the broader question of fair competition. As Amazon continues to automate and streamline seller processes through AI, smaller businesses could be at a disadvantage if they lack the technological literacy or resources to fully utilize these tools. Regulatory authorities may need to examine whether the increasing reliance on AI in marketplaces like Amazon creates barriers to entry or unfairly benefits larger, more tech-savvy sellers.
Conclusion
Amazon’s launch of Amelia, an AI assistant designed to simplify the selling experience for merchants, represents a significant leap in the company's use of artificial intelligence. By offering personalized support for managing product listings, preparing for key sales seasons, and troubleshooting issues, Amelia has the potential to make selling on Amazon easier and more efficient. However, merchants should be aware of the potential legal and operational risks associated with relying on AI-powered tools and take the necessary precautions to safeguard their businesses.
As Amazon continues to expand its suite of AI solutions, the dynamics of online selling are likely to evolve further, making it essential for merchants to stay informed about both the benefits and risks that these new technologies present.
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In the UAE, all employees are required to possess a labour card, issued either by the free zone in which they work or the Ministry of Human Resources and Emiratisation (MoHRE). This essential document serves as official proof of employment and is a key form of identification. It includes important details such as the job title, employer, and the expiry date of the work permit. Without a valid labour card, individuals are not legally allowed to work in the UAE.
While the UAE has shifted to issuing digital labour cards, employees can still download and print a physical copy if preferred. Though the digital version offers convenience, some may find the physical card useful for specific purposes.
Importance of the Labour Card
The labour card is essential not only for residents but also for those benefiting from the country's visa amnesty programme, which runs until October 30. Over 4,000 individuals have been interviewed by various companies in just the first two weeks of the initiative. Those securing employment under this programme will require a valid labour card to work legally.
Having a labour card not only ensures compliance with employment laws but also offers a sense of security, as it confirms legal employment status in the UAE.
How to Access and Print Your Labour Card
Although physical labour cards are no longer issued, obtaining a physical copy is simple. Here's how:
1. Through the MoHRE Website
2. Through the MoHRE App
Retrieving Labour Information
If you are uncertain about your labour card details, contact MoHRE at 600590000. By providing your Emirates ID number for verification, they will share your labour details over the phone. You can also access most of your information by logging into the MoHRE app and visiting the 'Dashboard.' However, note that your transaction number will not be visible in the app; for this, refer to your employment contract.
Having a labour card is crucial for ensuring your legal employment status in the UAE, and while digital formats are the norm, getting a physical copy is just a few clicks away.
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In a significant victory for law enforcement, Dubai Customs successfully intercepted a major marijuana smuggling operation, seizing 54 kilograms of the banned substance. The operation uncovered 13 attempts by smugglers, who used sophisticated methods to conceal the drugs in vacuum-sealed plastic bags hidden within food product boxes to avoid detection.
This operation is part of the UAE's ongoing fight against drug trafficking, underscoring the country’s firm stance on maintaining public safety and a drug-free society.
Advanced Smuggling Techniques Unravelled
According to authorities, the marijuana was cleverly compressed and vacuum-sealed to mask its odor and reduce its volume, allowing the smugglers to transport large quantities in compact spaces. The drugs were concealed within well-known brand food product boxes to blend in with legitimate cargo.
Despite the sophisticated methods employed, Dubai Customs officials were able to detect the smuggling attempts, thanks to advanced scanning technologies and meticulous inspection protocols.
The smugglers, reportedly from an Asian country, had been using these tactics for an extended period, attempting to exploit trade routes from Gulf nations. Dubai's customs agents, utilizing world-class detection techniques, have been able to stay ahead of increasingly sophisticated smuggling attempts, reaffirming their critical role in global anti-narcotics efforts.
Stringent Drug Laws in the UAE
The UAE’s drug laws are among the strictest in the world, reflecting the country’s zero-tolerance stance on narcotics. Federal Law No. 30 of 2021 on Combating Narcotics and Psychotropic Substances enforces harsh penalties for possession, trafficking, and use of illegal drugs.
Even possession of small amounts of banned substances like marijuana can result in a minimum of four years in prison, with fines starting at AED 20,000 (USD 5,400). Those convicted of drug trafficking face life imprisonment or, in cases of large-scale operations, the death penalty.
These severe punishments reflect the UAE’s commitment to curbing drug-related crime and protecting public health. The country’s laws also cover a wide range of activities, including possession of drug paraphernalia and trafficking with intent to supply. Non-citizens convicted of drug crimes are automatically deported following the completion of their sentences.
Recent Legal Amendments and Rehabilitation Focus
While the UAE maintains a tough stance on drugs, recent amendments to its narcotics laws have introduced more lenient penalties for first-time offenders. Under certain circumstances, first-time possession offenders may be sent to rehabilitation centers instead of facing imprisonment.
This shift towards rehabilitation highlights the country's evolving approach to addressing addiction issues, allowing individuals struggling with drug dependency to seek treatment and reintegrate into society.
The amendments also grant the attorney general the authority to divert offenders to rehabilitation programs without a formal court trial, provided they cooperate with law enforcement and have no prior criminal record.
However, repeat offenders and those involved in trafficking or large-scale smuggling operations continue to face harsh penalties, including significant fines and extended prison sentences.
Continued Enforcement and Global Cooperation
Dubai Customs' recent success in intercepting the 54-kilogram marijuana shipment is just one example of the UAE’s ongoing efforts to combat international drug trafficking. The country works closely with international law enforcement agencies, including Interpol, to share intelligence and coordinate operations that target global smuggling networks.
The UAE’s cooperation with international bodies has allowed it to remain at the forefront of anti-drug trafficking efforts. The National Central Bureau (NCB) of the UAE, a liaison between local authorities and Interpol, facilitates real-time information sharing and plays a key role in coordinating global operations targeting drug routes and traffickers.
Impact on Society and Public Safety
The successful seizure of 54 kilograms of marijuana highlights the importance of stringent border controls and law enforcement efforts in maintaining public safety. Drug trafficking poses significant risks to society, including the potential for increased drug abuse, organized crime, and public health crises. The UAE’s commitment to preventing the flow of illegal drugs into the country not only protects its citizens but also sends a strong message to international traffickers that the nation remains vigilant against illegal activities.
The severe penalties and zero-tolerance approach have been largely effective in curbing drug abuse within the UAE, making the country one of the safest in the world regarding narcotics control. However, some experts argue that a more balanced approach, which includes harm reduction strategies and expanded rehabilitation programs, could further enhance the nation’s efforts to combat drug addiction and reintegrate offenders into society.
Conclusion
Dubai Customs’ recent seizure of 54 kilograms of marijuana is a testament to the UAE's relentless efforts to combat drug trafficking. As the country continues to strengthen its anti-narcotics laws and enforcement capabilities, it remains a global leader in the fight against illegal drug trade. With a combination of strict legal penalties, cutting-edge technology, and international cooperation, the UAE is poised to maintain its position as a drug-free nation, safeguarding both its citizens and visitors from the dangers of narcotics.
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In today’s competitive and dynamic business landscape, intellectual property (IP) is one of the most valuable assets a company can hold. From patents and trademarks to copyrights and trade secrets, IP forms the bedrock of innovation and brand recognition.
However, many businesses, particularly small and mid-sized enterprises, often overlook or underestimate the importance of IP, resulting in legal disputes and a loss of competitive edge.
Here, we explore three common mistakes businesses make when managing their intellectual property assets and how they can be avoided.
Neglecting to Register Intellectual Property
One of the most critical errors businesses make is failing to formally register their intellectual property. IP being a highly territorial right especially in the GCC, requires registration in each jurisdiction where the business wishes to secure the right to use it. Formal registration with the relevant authorities grants businesses exclusive rights and legal protection against infringement.
Failing to register a trademark, patent, or copyright leaves companies vulnerable, as, in many jurisdictions, the first entity to register an IP asset is recognized as the legitimate owner, regardless of who created or initially used the work. There are certain exceptions, such as cases where "passing off" may be recognized, but these are not universally applicable.
In the UAE, for example, trademarks must be registered with the Ministry of Economy to prevent unauthorized use of a brand name or logo. If a business develops an innovative product or process, filing a patent application ensures it can enforce its rights if another party infringes on its invention. Companies can lose millions in revenue due to a lack of foresight in registering their IP, potentially facing costly litigation and rebranding efforts. To avoid such pitfalls, businesses must prioritize IP registration and seek legal counsel to ensure proper and timely filing.
Intellectual property is crucial for shaping and sustaining a business's brand identity, acting as a key factor in setting it apart in the market. For instance, trademarks safeguard the brand's name, logo, and tagline elements that customers closely link with the company's reputation, quality, and core values. Copyrights protect unique content, including marketing materials and product designs, which help maintain the brand's distinct creative style.
By securing IP rights, businesses can not only deter competitors from imitating their brand features but also boost customer confidence and loyalty. Proper IP management enables a company to create a unique market presence, enhance customer interaction, and build lasting brand value, which in turn leads to greater market share and profitability.
Inadequate Protection Measures for Intellectual Property
Another common mistake is failing to implement sufficient measures to protect intellectual property from theft or misuse. This is particularly important for trade secrets and confidential information, which require robust safeguards.
A significant concern is the inadequate use of Non-Disclosure Agreements (NDAs). NDAs serve to prevent third parties from disclosing sensitive information, but many businesses either fail to use them effectively or neglect to enforce them. Additionally, weak digital security measures can result in data breaches, exposing valuable IP assets to external threats.
To protect their IP, businesses must establish clear internal policies, secure NDAs with contractors and employees, and conduct regular audits. Unfortunately, many companies overlook the need for robust protection systems until it is too late. By developing a comprehensive IP management strategy and working closely with legal professionals, companies can avoid the damaging consequences of intellectual property theft.
Failure to Conduct IP Due Diligence
Many companies, especially during mergers and acquisitions, neglect to conduct thorough due diligence on intellectual property, a misstep that can have disastrous consequences. For instance, if a company acquires another firm without verifying the validity of its patents or trademarks, it may face unexpected infringement lawsuits, resulting in substantial penalties. In the UAE, businesses are expected to carry out thorough investigations into IP assets before completing acquisitions to ensure compliance with local enforcement requirements.
Due diligence involves verifying whether the IP being acquired is properly registered, free of ongoing disputes, and transferable. Without this investigation, businesses risk acquiring IP that may be embroiled in litigation or lack enforceable protection, leaving them open to infringement claims. Moreover, neglecting to review licensing agreements can result in violations of contractual terms, adding another layer of legal risk.
Engaging a specialized IP lawyer during the acquisition process is crucial to avoid these pitfalls. An IP audit should precede every transaction, thoroughly assessing any risks or legal encumbrances that may impact the future use or enforcement of the assets.
Conclusion
Intellectual property is often the cornerstone of a business’s innovation and profitability. Yet, many companies fail to protect and manage these assets effectively. Whether through neglecting to register IP, insufficient protective measures, or inadequate due diligence, the risks can be substantial. By taking proactive steps to register, protect, and audit their intellectual property, businesses can not only safeguard their innovations but also strengthen their market competitiveness and ensure long-term success.
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Thinking about starting your own online business in the UAE? There’s never been a better time! With the rapid growth of eCommerce in the country, driven by 99 percent of the population being active internet users, it’s clear that the online market here is thriving. In fact, eCommerce in the UAE is projected to generate more than $6.7 billion (Dh24.6 billion) in revenue in 2024 alone, and this figure is expected to rise to $9.3 billion (Dh34.15 billion) by 2028, according to eCommerceDB, a leading data provider for online sales.
Whether you're planning to sell jewelry, crafts, or services, one of the first steps in launching an online business in the UAE is obtaining an eCommerce license. Here’s how you can get started:
Step 1: Choose Your Business Structure
Before applying for an eCommerce license, you’ll need to decide on the legal structure of your business. Common options include:
Step 2: Select the Right Jurisdiction
In the UAE, there are two main options for setting up a business: mainland and free zone. The choice of jurisdiction will depend on where you plan to operate your business.
Step 3: Apply for an eCommerce License
Once you've chosen the structure and jurisdiction, you can apply for your eCommerce license. Here’s how:
Step 4: Build Your Online Presence
With your eCommerce license in hand, you can now start building your online store or service platform. Here’s what you’ll need:
Step 5: Stay Compliant
Once your eCommerce business is up and running, it’s important to remain compliant with UAE laws. This includes keeping accurate financial records, renewing your business license annually, and ensuring your business activities align with the regulations set out by your license.
Why the UAE is Ideal for eCommerce
The UAE’s business-friendly environment and robust digital infrastructure make it an ideal place for online businesses. With 99 percent internet penetration, a tech-savvy population, and a growing market, there are countless opportunities to succeed. Plus, the UAE government actively supports digital entrepreneurs through initiatives like free zones and simplified business licensing processes.
Setting up an online business in the UAE is a promising venture in today’s booming eCommerce market. By following the necessary steps to obtain your eCommerce license and building a strong online presence, you can tap into one of the fastest-growing sectors in the region. Whether you’re selling products or offering services, the UAE offers a fertile ground for your online business to thrive.
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A major global operation led by law enforcement agencies has dismantled an encrypted messaging app called Ghost, which had been used by criminals worldwide to facilitate drug deals, money laundering, and contract killings. The sting operation, which involved authorities from nine countries, culminated in the arrest of a 32-year-old Australian suspected to be the app's mastermind. The app, marketed as "unhackable," was exploited by organised crime networks across Italy, the Middle East, and Asia.
The Global Crackdown
The app, known for its stringent encryption and anonymity features, was secretly hacked by law enforcement authorities, who monitored criminal activities for two years before making their move. During this period, they intercepted thousands of messages related to illegal operations, including threats of violence. Authorities in Australia, Europe, and North America conducted simultaneous raids, resulting in the arrest of numerous suspects, including the creator of the app, whose residence was raided with tactical precision. He was caught off-guard and unable to destroy crucial evidence.
Europol's executive director Catherine De Bolle emphasized that the operation highlights the futility of criminals attempting to evade justice by using encrypted platforms. The international sting also demonstrates the growing sophistication of law enforcement in tackling the rise of encrypted communication tools designed to facilitate crime.
The 'Ghost' App: An Encrypted Haven for Criminals
Launched in 2021, Ghost was unlike traditional messaging apps like WhatsApp or Telegram. It could only be accessed via highly modified smartphones, which were sold at premium prices. These devices, coupled with a subscription to the Ghost service, allowed users to communicate anonymously without providing any personal details or phone numbers. The app employed multiple encryption layers and offered features like remote "self-destruct" of messages and the ability to reset phones if compromised by authorities.
Users of Ghost were predominantly criminal organisations, according to Europol, who found no evidence of the app being used for legitimate purposes. It became a preferred tool for organised crime syndicates involved in drug trafficking, weapons smuggling, and money laundering.
Law Enforcement’s Legal Strategy and the Challenge of Encrypted Platforms
The international sting to dismantle Ghost raises critical legal questions about the regulation and use of encrypted messaging platforms. While encryption itself is not illegal and is widely used to protect privacy in legal communications, apps like Ghost pose unique challenges. Their purpose appears to have been designed specifically to support illegal activities by offering an ecosystem that shields users from law enforcement surveillance.
Encrypted messaging platforms exist in a legal grey area. On one hand, these services provide necessary privacy protections for individuals, journalists, and human rights advocates. On the other, they can be exploited by criminal networks for illegal activities, as seen in this case. The balance between safeguarding individual privacy and ensuring these platforms aren't used as "playgrounds for criminals," as Europol deputy executive director Jean-Philippe Lecouffe stated, is a legal dilemma that authorities worldwide continue to grapple with.
The challenge for law enforcement lies in obtaining lawful access to encrypted communications while respecting the legal rights of users. The infiltration of Ghost required cooperation between multiple countries and agencies, and this type of cross-border collaboration is becoming increasingly essential in the fight against organised crime using encrypted technology.
Legal Implications for App Developers and Service Providers
The takedown of Ghost also underscores the legal responsibility of app developers and service providers. Platforms that offer encryption must strike a balance between protecting user privacy and ensuring their services are not exploited for illegal purposes. Authorities around the world are pressuring private companies to cooperate with law enforcement efforts, ensuring that their platforms are not used to facilitate crime.
In jurisdictions like the European Union, there are discussions about regulations that require companies to provide law enforcement with access to encrypted data under certain circumstances. However, these proposals are met with resistance due to concerns over the potential erosion of privacy rights. The dismantling of Ghost and previous platforms like EncroChat and ANOM illustrates the ongoing tension between privacy and security, raising the possibility of future legal reforms in the space of encrypted communications.
As legal debates evolve, it is becoming clear that encrypted platforms, while crucial for personal privacy, also present significant risks when exploited by criminal networks. The Ghost case reinforces the need for a nuanced approach that upholds justice without compromising the legal right to privacy.
Law enforcement agencies are sending a strong message that no matter how secure criminals believe their platforms are, they can and will be penetrated in the name of justice. This operation also signals to other developers that their platforms could become the target of similar investigations if they fail to regulate their user base and ensure their technology is not being misused.
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The Fazaa card provides exclusive discounts and benefits across various sectors, such as healthcare, entertainment, food, beauty, and more. This guide walks you through the eligibility requirements and steps to apply for the card.
Who Can Apply?
The Fazaa card is available to the following groups:
Application Process
For Hemam Members (People of Determination)
Hemam members can apply for a Fazaa card through the Zayed Higher Organisation’s website or app by registering with their ID number. A confirmation SMS will be sent with the membership number and password.
Alternatively, they can apply via the Ministry of Community Development’s official website by submitting the following documents:
Once the documents are submitted, the membership number and password will be sent via SMS, allowing you to activate your membership.
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Financial planning and insurance, is important to understand the critical role life insurance plays in protecting your family’s financial future. In the UAE, securing life insurance is relatively straightforward, but it requires careful consideration of policies, legal requirements, and family needs. This guide outlines the steps to obtain life insurance and the key factors to consider from a legal perspective.
1. Understand the Importance of Life Insurance
Life insurance provides financial protection to your beneficiaries in the event of your death. It can cover expenses such as outstanding debts, funeral costs, children’s education, and living expenses. For expatriates and residents in the UAE, life insurance ensures that your family remains financially secure, especially since they may not have access to benefits such as pensions or social security payments in their home countries.
2. Determine the Type of Life Insurance Policy
There are two main types of life insurance in the UAE:
- Term Life Insurance: This provides coverage for a specific period (e.g., 10, 20, or 30 years). If the insured passes away during this time, the beneficiaries receive the pay-out. It is generally more affordable and straightforward.
- Whole Life Insurance: This policy provides coverage for the entire life of the insured and includes an investment component, which can accumulate cash value over time. Premiums are higher, but it offers more long-term benefits.
3. Calculate the Coverage Amount
Determining how much coverage you need is a crucial step. The coverage amount should account for:
- Outstanding debts (e.g., mortgage, loans)
- Future living expenses for dependents
- Education costs for children
- Funeral and medical expenses
- Any other financial obligations
A general rule of thumb is to choose a policy that covers at least 10 times your annual income. However, this varies depending on your family’s specific financial situation.
4. Choose a Reputable Insurance Provider
In the UAE, numerous international and local insurance companies offer life insurance policies.
When selecting an insurer, ensure they are licensed by the UAE Insurance Authority and regulated under the UAE Insurance Law (Federal Law No. 6 of 2007). Check the company’s financial stability, customer service ratings, and reviews.
5. Understand Legal Requirements for Expats and Residents
The UAE does not have mandatory life insurance requirements, but expatriates, in particular, should consider taking a policy due to the absence of social safety nets for their families. The process of obtaining life insurance may differ based on residency status:
- Expatriates: No restrictions on purchasing life insurance, but expatriates should ensure their policy is valid worldwide and covers them during international travel.
- UAE Nationals and Residents: Life insurance is fully accessible, but careful attention should be paid to policy terms regarding beneficiaries, pay-outs, and Sharia-compliant products (for Muslim families).
6. Designate Your Beneficiaries
Legally, you must designate beneficiaries who will receive the pay-out in case of your death. In the UAE, if you are a Muslim, Sharia Law applies to your estate. This means that the distribution of your assets, including life insurance pay-outs, will be guided by Islamic inheritance laws unless specific provisions are made.
- Non-Muslim expatriates: You can freely name your beneficiaries and specify the distribution of your insurance proceeds. However, it is advisable to register a will with the Dubai International Financial Centre (DIFC) Wills and Probate Registry to ensure the payout distribution follows your wishes.
7. Complete a Medical Examination
Most life insurance policies in the UAE require the policyholder to undergo a medical examination. This helps insurers assess the risk and determine premium rates. The healthier you are, the lower your premiums will likely be. Some policies may offer coverage without a medical exam, but they often come with higher premiums.
8. Review and Compare Premiums
Once you’ve narrowed down your options, compare the premiums and benefits of different policies. Factors that affect premiums include:
- Age and health condition
- Smoking status
- Coverage amount and type of policy (term or whole life)
- Occupational hazards (certain jobs may increase premiums)
It is advisable to seek quotes from multiple providers and, if necessary, consult with a financial advisor to ensure you get the best value for your policy.
9. Legal Documentation and Policy Issuance
Once you’ve selected a provider and completed all requirements, you will need to fill out a formal application. The insurance company will review your application, medical records, and financial information. After approval, you’ll receive a legal contract, known as a policy document, which outlines the terms, conditions, premiums, and pay-out structure.
Ensure that all legal documentation is thoroughly reviewed, including the disclosure of pre-existing conditions. Failure to disclose crucial information could lead to denial of claims later on.
10. Ensure Regular Premium Payments
After the policy is issued, make sure to pay your premiums regularly to keep the policy active. If payments are missed, the policy could lapse, and your beneficiaries might not receive the payout. Some providers offer flexible premium payment options, such as monthly, quarterly, or annual payments.
Conclusion
Taking out life insurance in the UAE is a crucial step in safeguarding your family’s financial future. From understanding the types of policies to considering legal implications under Sharia Law or expatriate regulations, it is essential to approach the process with careful planning. Consulting with a legal or financial expert can help you navigate the complexities and make informed decisions, ensuring your loved ones are protected no matter what.
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The United Arab Emirates (UAE) has established a dynamic and progressive legal system designed to support the country's rapid economic growth and its diverse population. Whether you are a resident, visitor, or business owner, understanding the essential laws of the UAE can simplify your life and ensure that you remain compliant with the legal standards. Here is an overview of the key laws in the UAE that are vital for navigating everyday life and business.
1. Labor Law: Rights and Protections for Employees
The UAE’s Labour Law is primarily governed by Federal Law No. 33 of 2021 regarding the Regulation of Labor Relations. This law outlines the rights and duties of employees and employers in the private sector, ensuring fair treatment and labor protections for all workers.
Key provisions:
- Employment Contracts: Every employee must have a written employment contract that clearly defines the terms of employment, including job title, salary, working hours, and benefits.
- Work Hours: The maximum working hours are 48 hours per week or eight hours per day, with exceptions for specific industries.
- End-of-Service Benefits: Upon termination of employment, employees are entitled to end-of-service gratuity, calculated based on the employee’s salary and years of service.
- Equal Treatment: The law prohibits any form of discrimination based on race, gender, or nationality, ensuring equal pay for equal work.
- Health Insurance: Employers are required to provide health insurance to their employees, covering essential medical services and emergency care.
2. Immigration and Residency Law: Visa and Work Permit Regulations
The UAE's Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP) governs immigration laws, ensuring smooth entry and residency for expatriates.
Key provisions:
- Work Visas: Employers are responsible for applying for work visas and residence permits on behalf of foreign workers. This process includes a medical examination, Emirates ID application, and residence visa stamping.
- Golden Visa Program: The Golden Visa offers long-term residency options for investors, entrepreneurs, and highly skilled professionals, enabling them to live in the UAE for up to 10 years.
- Five-Year Green Visa: Skilled workers and freelancers can apply for the Green Visa, which allows them to live and work in the UAE without employer sponsorship for five years.
- Visa Overstays and Amnesty: The UAE periodically announces amnesty programs for individuals who have overstayed their visas, allowing them to either regularize their status or leave the country without penalties.
3. Personal Status Law: Family Matters and Inheritance
The UAE’s Personal Status Law is based on Islamic Sharia principles and governs matters related to marriage, divorce, child custody, and inheritance.
Key provisions:
- Marriage: Both Muslim and non-Muslim residents can marry in the UAE, but they must follow specific legal procedures and register their marriage with the appropriate authorities.
- Divorce: The law provides detailed guidelines on how divorce can be initiated and the financial obligations that follow, including alimony and child support.
- Inheritance: For Muslims, inheritance is governed by Sharia law, which specifies how assets are to be distributed among heirs. Non-Muslims can elect to have their home country’s laws applied to their estate through a registered will.
4. Commercial Law: Business Operations and Contracts
The UAE is an international business hub, and its legal framework is designed to facilitate efficient business operations while protecting investors and entrepreneurs.
Key provisions:
- Commercial Companies Law: Under Federal Decree-Law No. 32 of 2021, companies must comply with local ownership rules, with certain exceptions in free zones, where foreign investors can own 100% of their businesses.
- Consumer Protection Law: The Consumer Protection Law ensures that consumers are protected from fraudulent practices, including misleading advertising, price manipulation, and defective products.
- Bankruptcy Law: UAE’s Federal Bankruptcy Law No. 9 of 2016 provides businesses with a legal framework to restructure debts or declare bankruptcy in case of insolvency, helping them recover or exit the market responsibly.
5. Anti-Discrimination and Anti-Hate Law
The UAE’s Federal Decree Law No. 2 of 2015 aims to promote tolerance and peaceful coexistence among its diverse population by criminalizing discrimination on the basis of religion, race, gender, or ethnicity.
Key provisions:
- Hate Speech: The law prohibits the spread of hate speech, whether verbal, written, or online.
- Religious Freedom: Individuals and groups are free to practice their religion, as long as it does not incite violence or hate.
- Harassment and Defamation: Defamation and harassment, including on social media, are criminal offenses and can lead to fines or imprisonment.
6. Cybercrime Law: Protecting Digital Activities
The UAE’s Cybercrime Law, governed by Federal Decree-Law No. 34 of 2021, aims to protect individuals and businesses from cyber threats, including hacking, fraud, and the misuse of personal data.
Key provisions:
- Online Fraud and Hacking: Engaging in cyber fraud, identity theft, or unauthorized access to computer networks is a serious crime, punishable by imprisonment and hefty fines.
- Deep Fake Technology: Recently, the UAE’s Cyber Security Council has warned against the creation and distribution of deep fake content, which can mislead viewers and result in significant legal repercussions, including defamation, fraud, and privacy violations.
- Data Protection: The law protects individuals' privacy, with stringent measures for how personal data is collected, stored, and processed by companies.
7. Traffic Law: Road Safety and Violations
The UAE’s Traffic Law, governed by Federal Law No. 21 of 1995, has been instrumental in reducing traffic accidents and improving road safety.
Key provisions:
- Speed Limits and Fines: The law imposes strict speed limits, with penalties for violations including fines, black points on the driver’s license, and vehicle confiscation for severe offenses.
- Driving Under the Influence: Driving under the influence of alcohol or drugs is a criminal offense in the UAE, with penalties ranging from fines to imprisonment and the suspension of driving privileges.
- Seat Belts and Child Safety: The law mandates the use of seat belts for all passengers and requires children under the age of 10 to be seated in child safety seats.
Conclusion
The UAE's legal framework is designed not only to maintain law and order but also to support the smooth functioning of everyday life, business operations, and personal matters. Familiarizing yourself with these key laws will help you avoid legal issues and ensure a seamless experience while living or doing business in the UAE. From labor rights to immigration procedures, personal status regulations to cybercrime prevention, the UAE’s legal system is structured to make life easier for its residents and visitors.
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Dubai’s real estate market has seen unprecedented growth in recent years, with transactions worth $33.8 billion in Q2 2024 alone. Several factors are driving this surge:
Government Initiatives and Incentives
The introduction of the Freehold Decree in 2002, allowing foreign investors to own property in designated freehold areas like Dubai Marina, has played a pivotal role. The Golden Visa program, which offers long-term residency to foreign investors, has further boosted property demand. These initiatives make Dubai’s real estate market attractive to global investors by offering stability and flexibility.
Value for Money and Competitive Pricing
Compared to other global property markets, Dubai offers exceptional value for money. While cities like Hong Kong, New York, and London have significantly higher prices per square foot, Dubai provides high-quality properties at a fraction of the cost. For example, the average price per square foot in Dubai is $850, compared to $3,970 in Hong Kong. This competitive pricing, combined with the potential for rental yields as high as 6.3%, has made Dubai an appealing destination for investors seeking higher returns.
Safety and Lifestyle
Dubai is ranked as one of the safest cities in the world, with extremely low crime rates. This level of security, combined with the city’s year-round sunshine, luxury lifestyle, world-class infrastructure, and tax-friendly environment, makes Dubai an ideal location for residents and businesses. The Emirates offer a lifestyle that appeals to both investors and those seeking a safe and vibrant place to live.
Regulatory Environment and Transparency
Dubai’s real estate sector benefits from a highly regulated environment, with bodies such as the Dubai Land Department (DLD) and the Real Estate Regulatory Agency (RERA) playing key roles in ensuring transparency and protecting stakeholders. This regulatory framework has bolstered investor confidence and attracted significant foreign investment.
The Future Outlook
With Dubai’s population expected to exceed 5.5 million by 2040, the demand for real estate is only set to grow. As the city continues to develop its tourism, business, and technology sectors, its real estate market will likely remain a key investment opportunity for those looking to benefit from a dynamic and fast-growing market.
In conclusion, Dubai’s real estate boom is the result of a combination of government initiatives, value for money, lifestyle appeal, and a robust regulatory framework, all of which have positioned the city as a global leader in the property market.
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With the rise of social media, the digital landscape has evolved into more than just a platform for social interaction — it has become a breeding ground for scammers, particularly in the cryptocurrency and stock trading spaces. Recently, UAE residents have been urged to exercise caution when considering online investment opportunities, following numerous cases of fraudulent activity.
One such incident involved an Indian businessman who was tricked into losing $20,000 (Dh73,461) in a well-coordinated cryptocurrency scam. Authorities are warning investors to thoroughly verify the legitimacy of entities they engage with before making any financial commitments.
Types of Cryptocurrency Scams:
1. Fraudsters create social media groups promoting fake cryptocurrency and stock trading opportunities.
2. These groups are advertised via email and social media, often promising unrealistic profits.
3. To build credibility, scammers use endorsements from social media influencers.
4. Early investors may see initial profits, encouraging them to invest even more.
5. After larger sums are transferred to personal accounts, victims receive no further communication, ultimately realizing they’ve fallen prey to fraud.
Why Are These Scams Prevalent?
1. The allure of quick financial gains entices many into making rash decisions.
2. Unrealistic profit claims create a false sense of security.
3. Many people fail to conduct proper research or due diligence before investing.
Impact on Victims:
1. Loss of significant amounts of money, leading to financial hardship.
2. Difficulty in tracking down and prosecuting fraudsters.
3. Victims may unknowingly become part of fraudulent schemes and face legal consequences.
4. Investors could be held accountable for the origins of transferred funds.
Protecting Yourself from Scams:
UAE authorities have issued several guidelines to help individuals safeguard against fraudulent investment groups:
1. Be sceptical of promises of high, guaranteed profits. Stick to reputable and regulated investment platforms.
2. Never share personal or financial details with unverified individuals or platforms.
3. Conduct thorough research on any company or group before making an investment. Verify that they hold appropriate licenses and look for red flags like poor reviews or untraceable operations.
4. Invest only in opportunities that are transparent about risks and returns. Avoid groups promising high rewards with minimal risk.
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Dubai: His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai, presided over the swearing-in ceremony of five new judicial inspectors.
The ceremony took place at Union House in Dubai, with Sheikh Ahmed bin Mohammed bin Rashid Al Maktoum.
The newly appointed inspectors will be part of the Judicial Inspection Authority, a body responsible for ensuring the efficiency and integrity of Dubai’s judiciary. During the event, Sheikh Mohammed emphasized the critical role of judicial inspectors in safeguarding the rule of law and maintaining fairness across the legal system. He also expressed his confidence in their ability to enhance Dubai’s judicial processes.
The new inspectors sworn in included Ahmed Youssef Abdulatif, Mohamed Mohamed Othman, Mostafa Mohamed Mahmoud, Amro AbdulHakam Ibrahim, and Mohamed Ahmed Abdul Wanees. Key officials, such as Chancellor Essam Issa Al Humaidan, the Attorney General of Dubai, and Judge Mohammed Mubarak Al Sabousi, Director of the Judicial Inspection Authority, were present at the event.
This move reinforces Dubai’s commitment to upholding justice, transparency, and the rule of law, ensuring that the judiciary continues to play a crucial role in protecting society and maintaining public trust.
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The Dubai Public Prosecution has unveiled details of a fraudulent scheme in which a woman was emotionally manipulated and financially exploited by a man posing as her future potential husband.
Using false names to protect the identities of the parties involved.
The woman, identified as Noor, met the scammer, Osama, through matrimonial websites. Their communication, which spanned six years, led Noor to believe that Osama was serious about marrying her. Throughout this time, she supported him financially, unaware that she was being deceived.
Noor reported the case to authorities after realizing that her financial contributions, which totalled Dh400,000, were part of an elaborate scam. Following an investigation, the suspect was arrested, brought to court, and sentenced to five years in prison along with a fine.
How the Deception Unfolded
The fraudulent relationship began when Noor connected with Osama, who claimed to work in the marine industry, via a marriage platform. Their exchanges took place primarily through phone calls and WhatsApp, with Osama consistently making excuses for his inability to meet in person due to his demanding job.
Over the course of six years, Noor helped Osama financially, believing his fabricated stories about family emergencies, accidents, medical bills, and inheritance disputes. He continually promised to repay her and move forward with their marriage, deepening the emotional manipulation.
Dh400,000 Stolen in Elaborate Scam
Osama's deception escalated when he used a different phone number to impersonate a high-ranking official, pressuring Noor into paying large sums of money under the pretence of helping Osama resolve his issues. Feeling threatened, Noor ultimately transferred a total of Dh400,000 over several payments.
Eventually, realizing the full extent of the scam, Noor contacted the authorities. Investigations revealed the truth, and Osama was arrested and charged.
Five Years in Prison for Fraudster
Following a thorough investigation, Osama was brought to trial. The court found him guilty, sentencing him to five years in prison, imposing a fine, and ordering his deportation after serving his sentence.
The Dubai Public Prosecution warned citizens to be cautious, emphasizing that legitimate government bodies only communicate through official channels such as direct meetings, recognized phone numbers, and verified websites or applications.
(The writer is the Legal Associate specializing in Criminal and family law at The Law Reporters)
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VPNs (Virtual Private Networks) are not outright illegal in the UAE, as long as they are used in accordance with the guidelines set by the Telecommunications and Digital Government Regulatory Authority (TDRA). The TDRA clarified that businesses, institutions, and banks are allowed to use VPNs to securely access internal networks through the internet. There are no regulations preventing the use of VPN technology for such legitimate purposes.
However, the misuse of VPNs is a serious offense under UAE law. Using VPNs to commit illegal activities, such as disguising your IP address or accessing blocked content, is strictly prohibited. According to Article 10 of Law No. 34 of 2021 Concerning Combatting Rumours and Cybercrimes, anyone found guilty of using a third party's IP address or other means to commit a crime or avoid detection can face imprisonment and/or fines ranging from Dh500,000 to Dh2,000,000.
The TDRA’s Internet Access Regulations further outline what constitutes "Prohibited Content," which includes VPN services that enable users to bypass or access restricted content online. VPNs should not be used to access any blocked or prohibited materials, as doing so would violate the law.
While there is no official list of approved VPN services in the UAE, using a VPN for anything that circumvents the country's internet restrictions could result in legal consequences. For more specific legal advice, it's best to consult a legal practitioner or refer to the TDRA.
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Elon Musk and his company Tesla have successfully had a federal lawsuit dismissed that accused them of defrauding investors by promoting the cryptocurrency Dogecoin and engaging in insider trading, allegedly leading to billions of dollars in losses.
The ruling, issued by U.S. District Judge Alvin Hellerstein in Manhattan on Thursday night, marks a significant win for Musk.
Investors claimed that Musk, the world's wealthiest individual, used his Twitter platform, a 2021 appearance on NBC's "Saturday Night Live," and other publicity stunts to profit at their expense. They alleged that he and Tesla manipulated Dogecoin's price through several Dogecoin wallets they controlled, driving its value up by more than 36,000 percent over two years before allowing it to crash.
The lawsuit highlighted specific instances, such as when Musk replaced Twitter’s blue bird logo with the Dogecoin Shiba Inu dog logo in April 2023, causing Dogecoin’s price to jump 30 percent. Investors claimed Musk then sold off Dogecoin, profiting from the surge.
However, Judge Hellerstein ruled that Musk’s tweets about Dogecoin being the "future currency of Earth," its potential use to purchase Teslas, and even sending it to the moon via SpaceX were "aspirational and puffery," rather than factual statements that could be proven false. As such, the judge determined that no reasonable investor could rely on these statements as the basis for a securities fraud claim.
Hellerstein also found the investors' claims of market manipulation and insider trading to be unsubstantiated, noting it was "not possible to understand" their arguments. Consequently, the lawsuit was dismissed with prejudice, preventing the investors from refiling the case. The plaintiffs had originally sought $258 billion and had amended their complaint four times over two years.
Following the ruling, Musk’s lawyer, Alex Spiro, expressed satisfaction, stating, "It's a very good day for Dogecoin."
Musk’s legal team had argued that his tweets were merely harmless and often humorous, denying any wrongdoing. They also contended there was no evidence to support the claim that Musk owned two wallets used for suspicious trading or that either he or Tesla sold Dogecoin during the relevant period.
During his "Saturday Night Live" appearance, Musk referred to Dogecoin as a "hustle" while playing a fictional financial expert in a "Weekend Update" segment.
Musk, who acquired Twitter in October 2022 and later rebranded it as X, currently has a net worth of $239.3 billion according to Forbes.
In today’s fast-paced environment, having quick and accurate access to your medical insurance information is essential for timely healthcare services. In the United Arab Emirates (UAE), verifying your medical insurance status has been made simple through the use of your Emirates ID. This process is designed to streamline your healthcare experience and reduce unnecessary administrative burdens.
Ways to Check Medical Insurance Status with Emirates ID
There are several convenient methods to check your medical insurance status using your Emirates ID:
The Importance of Verifying Your Medical Insurance Status
Regularly checking your medical insurance status is important for several reasons:
Step-by-Step Guide to Checking Your Health Insurance Status with Emirates ID
Here’s a simple guide to help you check your medical insurance status:
Advantages of Linking Emirates ID with Health Insurance
Linking your Emirates ID with your health insurance brings several benefits:
FAQs: Emirates ID and Health Insurance
Here are some common questions related to using your Emirates ID for health insurance:
Amazon, one of the world's largest e-commerce giants, faces a £2.7 billion lawsuit in the United Kingdom, accused of abusing its dominant market position. The lawsuit, filed in London's Competition Appeal Tribunal, alleges that Amazon has been engaging in anti-competitive practices that stifle competition and harm consumers.
The Basis of the Lawsuit
Solicitor Julie Hunter claims that Amazon unfairly promotes its own products over those of third-party sellers by manipulating its platform. She alleges Amazon uses its market dominance to prioritize its products in search results and prominently feature them in the "Buy Box," where customers can quickly add items to their carts. Hunter argues that these practices disadvantage third-party sellers, limit consumer choice, and lead to higher prices, ultimately restricting competition and stifling innovation.
Impact on Consumers and Competition
The lawsuit comes amid rising concerns about the power of major tech companies, particularly in how they manage their platforms and treat competitors. Amazon has faced similar scrutiny from regulators and lawmakers in the EU and the US. However, this UK lawsuit is one of the most significant challenges Amazon has encountered regarding its market practices in Britain. The complaint points to Amazon's dominance in online retail, where third-party sellers depend on Amazon to reach customers while competing against its own products, raising concerns about conflicts of interest and anti-competitive behavior.
Legal and Economic Ramifications
Once after the judgement , the £2.7 billion lawsuit could set a precedent for how online marketplaces in the UK handle third-party sellers. This case might lead to changes in Amazon's business practices, including product prioritization and marketplace transparency. A ruling against Amazon could encourage more lawsuits from consumers and sellers globally, prompting tighter regulations and oversight of tech giants and pushing Amazon to adapt its market strategies to ensure fair competition and consumer protection.
Amazon's Response
Amazon has stated it will strongly defend against the lawsuit, claiming its services benefit both consumers and sellers. The company highlights that third-party sellers make up over half of the items sold on its platform, providing opportunities for small businesses. An Amazon spokesperson said, "We believe these claims are without merit. Amazon aims to offer the best customer experience, wide selection, low prices, and fast delivery. We support our sellers and are committed to working with regulators to address concerns."
A Broader Global Context
This UK legal action is part of a global movement to hold big tech accountable for market behaviour. Calls for antitrust actions and stricter regulations have grown, with the European Union introducing the Digital Markets Act to ensure fair competition and prevent market abuse by dominant digital players. The outcome of this case could set a precedent for regulating e-commerce platforms and lead to further scrutiny and legislative measures to promote fair and competitive digital markets.
The £2.7 billion lawsuit against Amazon in the UK marks a significant chapter in the ongoing debate over the market power of tech giants and their responsibilities towards consumers and competition. As the case progresses, it could have far-reaching implications for the future of e-commerce, potentially reshaping the rules of engagement in the digital marketplace and ensuring a level playing field for all participants.
The writer Sunil Ambalavelil is the Principal Partner at the Dubai-based NYK Law Firm.
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In a groundbreaking decision, a Dubai court has recognized cryptocurrency as a legitimate form of salary payment. This move marks a significant shift towards modernizing financial systems in the UAE, reinforcing the country's reputation as a global leader in embracing cutting-edge financial technologies.
Current Payment Systems in the UAE
Traditionally, salaries in the UAE are paid in the local currency, AED, through conventional banking systems under the Wage Protection System (WPS). This ensures timely payment and compliance with local labour laws. However, with the rise of fintech solutions, digital and contactless payments are becoming more popular, and blockchain technology is increasingly adopted by government entities for enhanced security and transparency.
Benefits of Cryptocurrency for Salary Payments
Regulatory Compliance
The UAE has already established a regulatory framework for crypto activities through the Dubai Virtual Asset Regulatory Authority (VARA). Businesses paying salaries in crypto must adhere to local regulations, including anti-money laundering and reporting standards, ensuring a secure and compliant financial environment.
The Future of Crypto in the UAE
This decision positions the UAE as a leader in blockchain and fintech innovation, paving the way for increased crypto adoption across various sectors. It also enhances the UAE's appeal as a destination for tech talent and global fintech companies. The official recognition of crypto salaries can drive new financial services, such as crypto-backed loans and investment options, contributing to a more diverse and robust financial ecosystem.
The recognition of cryptocurrency as a valid salary payment method is a major milestone for the UAE's financial landscape. It underscores the country's commitment to innovation and sets a precedent for other nations considering similar moves. As the UAE continues to embrace blockchain and digital currencies, it is poised to lead the way in the global fintech revolution.
(The writer is an Associate specializing in Crypto and Employment Law at The Law Reporters)
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The UAE is set to launch a two-month visa amnesty starting this Sunday, offering a golden opportunity for individuals with expired visas to rectify their status or leave the country without facing fines.
Who is Eligible?
The amnesty applies to various groups:
Residents: Those whose residency visas have expired and are now staying in the country illegally.
Visitors: Individuals who overstayed their visit visas.
Children: Born in the UAE, whose parents did not secure residency visas for them.
Workers: Those who have fled from their sponsors.
However, the amnesty does not extend to:
Individuals who entered the UAE illegally.
Those who violated visa rules or fled from their sponsors after September 1.
Individuals previously deported from the UAE or other GCC countries.
Duration and Oversight
The amnesty begins on September 1 and runs for two months. It is managed by the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP). According to Maj Gen Suhail Saeed Al Khaili, head of ICP, this initiative enhances the UAE's commitment to human rights by providing an opportunity for violators to correct their status or safely exit the country.
Where to Apply?
Amnesty applications can be submitted at designated centers across the UAE:
Abu Dhabi: ICP centers in Al Dhafra, Sweihan, Al Maqam, and Al Shahamah, as well as recognized private typing centers.
Dubai: Amer service centers and the Al Awir center for immigration violators.
Other Emirates: ICP centers are available throughout the country.
Service centers will operate daily from 8 AM to 8 PM during the amnesty period.
Cost and Benefits
There is no cost to change your visa status or obtain an exit permit. Fines previously incurred will be waived, and the exit permit, valid for 14 days, allows individuals to leave the country without being added to a banned list. After 14 days, fines will be reinstated if the individual has not departed.
Special Considerations
Exit Permits: Those with expired residency visas can apply at any listed center. Visitors, however, must go to specific ICP centers in Abu Dhabi or Dubai.
Children: Parents of children without residency visas must obtain a passport or travel document for the child and either visit an amnesty center or apply online for an exit pass.
When Does the Amnesty End?
The amnesty is set to conclude on October 31, though previous initiatives have seen extensions. The ICP emphasizes that this is a unique chance to regularize status or leave the country without incurring penalties.
The Importance of Visa Amnesty
Visa amnesties offer a lifeline to individuals living without proper documentation, often fearful of fines or jail time. This initiative helps the UAE maintain legal residency standards amidst a growing population and allows many to start anew, either in the UAE or back in their home country.
Understanding Visa Overstay Rules
As of October 2022, the financial penalty for overstaying a visa in the UAE is Dh50 ($13.6) per day. Residency visa holders have six months to leave or change their status once their visa expires or is cancelled. The amnesty provides relief for those exceeding this grace period.
Demand for Amnesty
Since the announcement on August 1, embassies of countries with large expatriate populations have been inundated with inquiries. Many missions are extending their hours and sending officials nationwide to assist individuals interested in resolving their visa issues or seeking new employment opportunities.
This visa amnesty represents a significant opportunity for thousands to ensure they remain on the right side of the law or to safely return home.
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If you're considering taking up a job in Dubai, it's crucial to understand the legal requirements surrounding residency and work visas. Here's a detailed overview of what you need to know:
Residency and Work Visa Requirements
In the UAE, foreign nationals are legally required to hold both a residency visa and a work permit to work in the country. The residency visa must be provided by an employer, a spouse, or another legal sponsor, and it is accompanied by a work permit issued by the employer.
Employer Responsibilities
The employer is responsible for initiating the residency visa and work permit process. The application for these documents must be made at the start of employment. It's important to note that it is illegal for employees to begin working without these documents, even if they are in a probationary period.
Legal Consequences
The UAE Federal Government enforces strict regulations regarding employment without proper documentation. Under Federal Decree Law No 7 of 2007, which amended the Immigration Law, employers face significant penalties for failing to obtain the necessary visas and permits. Fines for non-compliance have been increased from Dh10,000 to Dh50,000, and additional penalties can be imposed by the Ministry of Human Resources and Emiratisation.
For repeated offenses, fines can escalate, and in severe cases, criminal proceedings and deportation may be pursued against foreign company owners. UAE citizens involved in such practices may face imprisonment.
Employees working without a valid visa and work permit also face serious consequences, including fines, a labour ban, and potential imprisonment of up to one month, with the possibility of extension.
Risks of Working Without a Visa
Employers who instruct new employees to work without a visa are violating the law and exposing both themselves and their employees to significant risks. Working without the proper documentation leaves employees unprotected by labour laws and subject to legal penalties.
Advice for Prospective Employees
If an employer indicates that you should start work before obtaining a residency visa and work permit, this is a significant red flag. Such practices are illegal and can lead to severe consequences for both you and the employer. It is advisable to seek employment with a company that adheres to legal requirements and ensures that all necessary visas and permits are arranged before you commence work.
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Dubai's popular chocolate brand, FIX Dessert Chocolatier, has recently been targeted by a scam involving fake websites and unauthorised social media accounts selling their viral kunafa-stuffed chocolate bars.
In response, FIX Dessert Chocolatier issued a statement warning customers about these scams, clarifying that their products are sold exclusively through Deliveroo and that they have no official website, physical store, or authorised resellers.
This serves as a stark reminder to Dubai residents and visitors of the legal consequences of fraud and counterfeit operations in the UAE.
Below is an overview of the legal framework surrounding such activities and the penalties associated with them.
Legalities of Online Fraud and Counterfeit Sales in the UAE
In the UAE, online fraud, including the sale of counterfeit goods through fake websites and social media, is considered a serious criminal offence under the country's strict cybercrime laws.
The UAE government has enacted various regulations to safeguard consumers and businesses from such illegal activities.
Relevant Laws
UAE Cybercrime Law (Federal Decree-Law No. 5 of 2012): This law specifically addresses cybercrimes, including online fraud, identity theft, and the creation of fake websites.
It criminalises the use of technology to deceive others and steal their money or data. Setting up fake e-commerce sites or selling counterfeit products falls under this law.
Consumer Protection Law (Federal Law No. 15 of 2020): This law outlines the rights of consumers in the UAE and ensures that businesses are held accountable for any fraudulent practices. It prohibits the sale of counterfeit goods and imposes penalties on those who deceive customers.
Commercial Fraud Law (Federal Law No. 19 of 2016): This law regulates commercial fraud and aims to protect consumers and businesses from fake products and counterfeit activities. It includes provisions for harsh penalties for those engaging in fraudulent sales and misleading advertisements.
Penalties for Fraudulent Activities
Fines: Individuals or businesses found guilty of online fraud or the sale of counterfeit goods may face hefty fines, ranging from Dh250,000 to Dh1 million, depending on the severity of the offence.
Imprisonment: In addition to fines, violators can be sentenced to imprisonment for a period ranging from one year to several years, depending on the level of fraud and harm caused to consumers.
Business Shutdown and Licence Revocation: Companies involved in fraudulent activities can face business shutdowns, revocation of trade licences and public blacklisting.
Consumer Protection and Reporting
Consumers are encouraged to remain vigilant and only purchase products from verified platforms. In the event of encountering a scam, residents are urged to report the incident to the UAE Consumer Protection Department or the Dubai Police Cyber Crime Division.
With the UAE's strict legal framework, scammers can face significant legal repercussions for their actions. By adhering to official purchasing channels and reporting fraudulent activities, consumers can help maintain the integrity of Dubai's thriving marketplace.
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If you are employed by a company based in mainland Dubai, the provisions of Federal Decree Law No. 33 of 2021 on the Regulation of Employment Relations and Cabinet Resolution No. 1 of 2022 on the Implementation of Federal Decree Law No. 33 of 2021 apply to your employment.
Under UAE law, either the employer or employee can terminate an employment contract by serving the required notice period specified in the contract.
Article 43(1) of the Employment Law states: "A party to an employment contract may terminate the contract for good cause, by giving the other notice in writing.
The employee shall perform their duties during the notice period agreed upon in the contract, provided the notice period is not less than thirty (30) days and not in excess of ninety (90) days."
However, the notice period can be reduced by mutual agreement between the employer and employee, while ensuring that the employee's salary and entitlements during the notice period are respected.
According to Article 43(2) of the Employment Law, "the Employment Contract shall continue in force throughout the Notice Period and expires with the expiry of the Notice Period.
The employee shall be entitled to their full salary for such period on the basis of their last salary and shall perform their work if the employer so requests."
This brings us to the concept of garden leave. During garden leave, an employee remains employed and is on the payroll but is asked to stay away from the office and refrain from performing any work.
This typically happens after an employee resigns or is terminated. Even though you are not working, you are still entitled to receive your salary and benefits during this period.
If your employer has placed you on garden leave during your notice period, you should obtain written confirmation to prevent any future complications. This confirmation ensures that your employer cannot later accuse you of abandoning your work.
Article 28(1)(a) of Cabinet Resolution No. 1 of 2022 highlights that an employer can report an employee as abscoding if they have been absent for more than seven consecutive days without informing the employer.
If you have further concerns, it is advisable to consult with the Ministry of Human Resources & Emiratisation (MoHRE) or seek legal counsel in the UAE to ensure you are protected throughout this process.
What is Garden Leave?
Garden leave is a protective measure often used by employers during an employee's notice period. Though the employee is still under contract and continues to receive their salary and benefits, they are required to stay away from the office and are not permitted to work elsewhere during this period.
Employers implement garden leave to mitigate risks, such as the potential leaking of sensitive information or sabotaging client relationships.
During garden leave, employees are typically cut off from accessing the company’s data or premises and may be prohibited from contacting colleagues, clients, or suppliers. This practice helps to protect the employer's business interests until the employee’s departure is finalised.
Though commonly associated with the UK, Australia and New Zealand, garden leave can also be seen in the UAE, particularly in industries where proprietary information or client relations are critical to business success.
In conclusion, while you are on garden leave, you remain entitled to your salary and benefits. Be mindful of the terms set by your employer and ensure all agreements are documented in writing to safeguard your rights.
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Unauthorised transactions on credit cards can be distressing, particularly when they occur without any negligence on the part of the cardholder.
In the UAE, hacking e-payment transaction apps or websites is a serious criminal offence, punishable by imprisonment and fines ranging from Dh200,000 to Dh2 million.
This is stipulated under Article 15 of the Federal Decree Law No. 34 of 2021, which addresses hacking and cybercrimes related to e-payment instruments.
According to the law, severe penalties are imposed on individuals or groups involved in forging, cloning, or copying credit cards, debit cards, or any e-payment instruments.
The same penalties apply to those who design or use software with the intent to facilitate such criminal activities.
Additionally, unauthorised use of these instruments, or knowingly accepting forged or illegally obtained cards, is punishable under this law.
In the UAE, financial institutions have a duty to educate their customers about financial crimes, as per Clause 6.2.2.6 of the Consumer Protection Regulation issued by the Central Bank of the UAE.
This regulation mandates that licensed financial institutions conduct sufficient consumer awareness activities to help protect consumers from financial crimes.
Moreover, banks must maintain up-to-date security systems and be prepared to adopt new cybersecurity strategies as necessary. This ensures that they can effectively combat evolving threats, as outlined in Clause 6.2.2.5 of the same regulation.
When it comes to compensating customers for financial losses, banks are generally required to do so if the loss is due to financial crimes, cyberattacks, or the misuse of assets and information.
However, banks are not liable if the loss is due to gross negligence or fraudulent behaviour on the part of the customer, as stated in Clause 6.2.2.4 of the Consumer Protection Regulations.
For customers who have been cautious and can provide evidence that the unauthorised transactions were not due to their negligence, the bank may be obligated to compensate them for the loss.
A formal complaint should be filed with the bank, which would then conduct an investigation into the matter. Additionally, the customer may need to file a police report and provide transaction details and evidence.
If the bank's resolution is unsatisfactory, the complaint can be escalated to the Central Bank of the UAE.
In summary, while banks in the UAE are responsible for safeguarding their customers against financial crimes, they may not be liable for losses that result from the customer's own negligence or fraudulent actions.
However, in cases where the customer has acted responsibly, the bank could be required to compensate for any unauthorised transactions.
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Recent changes in intellectual property (IP) laws across several Gulf Cooperation Council (GCC) countries are transforming the landscape of patents, industrial designs and trademarks.
These amendments aim to streamline procedures and bolster the protection of IP rights. Below is an overview of the latest IP regulatory developments in Saudi Arabia, the United Arab Emirates (UAE), and Qatar.
Saudi Arabia: Extended Design Protection
Saudi Arabia has made significant updates to its Patent and Industrial Design Law through Royal Decree No. (M/45), dated September 25, 2023, and effective from October 3, 2023. One of the notable changes is the extension of the design protection period from 10 years to 15 years.
This extension particularly benefits designs registered in 2013, as they now qualify for an additional 5-year protection period upon payment of the required fees.
Furthermore, the Saudi Authority for Intellectual Property (SAIP) has modified its approach to rejected trademark applications.
Previously, applicants had the option to amend rejected trademarks within a 10-day grace period or appeal the rejection. Under the new policy, the only recourse available to applicants is to appeal the rejection decision.
United Arab Emirates: New Regulations and Patent Platform Launch
In November 2023, the UAE Cabinet issued Ministerial Decision No. 112 of 2023, which introduced revised official fees for patent applications, utility models, and industrial design applications.
These changes amend the official fees associated with Federal Law No. 11 of 2021. The introduction of new regulations and a new Patent Platform has significantly improved the patent registration system in the UAE.
For annuities, applicants for national, partial, and transferred applications (based on PCT Applications) are now required to pay any outstanding annuities within 90 days of completing the legal examination, rather than from the filing date.
Importantly, applicants must ensure all formalities are met for their application to be accepted before any annuity payments become due. This ensures that the correct fees are paid based on the benefits granted during the legal examination.
Qatar: Adoption of GCC Trademarks Law
On June 18, 2023, Qatar's Minister of Commerce and Industry issued Decree No. 56 of 2023, adopting the GCC Trademarks Law.
This decree includes a fee increase for trademark services, effective from 10 August 2023. The adjustment aims to align Qatar's trademark services with regional standards and enhance the overall efficiency and protection of trademarks.
These updates represent a significant effort by GCC countries to strengthen their intellectual property frameworks, providing better protection and efficiency for businesses and innovators. Staying informed about these evolving regulations is essential for stakeholders to navigate the IP landscape effectively.
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If you recently sponsored a family member on a visit visa to Dubai, you may have paid a refundable security deposit.
Once your family member exits the UAE or changes their visa status, you are eligible to claim this deposit.
Below is a step-by-step guide on how to apply for a refund, including the necessary requirements, documents, and process as outlined by the General Directorate of Residency and Foreigners Affairs – Dubai (GDRFAD).
Service Overview
This service is available to visitors, UAE residents, GCC residents, GCC nationals and UAE nationals who wish to request a refund for the security deposit paid during the visa application process.
Steps to Apply for a Refund
Step 1: Register/Use UAE Pass
Begin the process by registering or logging in with your UAE Pass.
Step 2: Submit the Application and Pay Fees
Access the GDRFA Dubai website or app and fill out the refund application form with the required details. Pay any applicable fees.
Step 3: Receive Your Refund
Upon successful submission and verification, the refund will be processed and credited to your bank account.
Requirements and Limitations
Eligibility: You can only apply for the refund after your family member has either exited the UAE or changed their visa status.
Refundable Fees: Only the service issuance fees are refundable; application and electronic service fees are non-refundable.
Required Documents
To successfully apply for a refund, ensure you have the following documents:
* Original valid passport
* Original valid residency permit
* Registration form confirming the amount paid
* Copy of the valid ID card
* Bank certificate indicating your account number and IBAN
Customer Journey
Accessing Service Information: Service details can be obtained through the GDRFA call centre, smart application, official website, customer happiness centres and other approved communication channels.
Submitting Your Request: Refund requests can be submitted via the GDRFA website, mobile application, customer happiness centres, or typing centres. Ensure that all required documents are uploaded, and pay any associated service fees.
Communication and Updates: Applicants will receive notifications through text messages or emails, informing them of the status of their refund request.
Receiving the Refund: Once the refund process is completed, you will receive a notification confirming the deposit refund.
By following these steps and ensuring you have all the required documents, you can obtain your security deposit refund from GDRFA Dubai.
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In the UAE's rapidly evolving real estate market, tenants often face the challenge of rising rents, sometimes in properties where the quality of maintenance has significantly declined.
This dilemma is particularly pressing in cases like that of a long-term Dubai resident who has lived in the same three-bedroom apartment since 2009.
Despite consistent rent hikes, the condition of the building, primarily used for commercial purposes, has deteriorated over time.
This decline in maintenance has left tenants, such as a long-term Dubai resident who has lived in the same three-bedroom apartment since 2009, questioning whether they can dispute these increases based on the poor upkeep of the property.
Consider, for instance, the resident whose rent was originally Dh100,000 in 2020. The impact of Covid-19 led to a temporary reduction to Dh90,000 in 2021.
However, as the economy began to recover, the rent started climbing again -- Dh92,250 in 2022, Dh98,000 in 2023, and Dh107,000 in 2024 -- resulting in a 15 per cent increase over two years.
This financial burden has been compounded by a decline in the building's upkeep.
Amenities such as the gym and swimming pool are non-functional, and issues including broken air conditioning, a damaged roof, uncleaned common areas, insect infestations, and a lack of security have become common.
The tenant's repeated requests to maintain the rent at previous levels have been ignored, with management pushing forward with increases despite the building's deteriorating condition.
For tenants facing similar situations in the UAE, the decision to stay or move becomes critical.
While relocating to a better-maintained property might involve higher rent, the improvement in quality of life could be worth the extra cost.
However, for those who choose to stay, disputing further rent increases is an option. The Dubai Land Department's Rental Dispute Centre (RDC) offers a platform for tenants to challenge these hikes, although the outcome is not guaranteed.
The Dubai Land Department's rental index is a key factor in determining rent increases, yet it does not account for the state of a building's maintenance or the availability of amenities.
This means that even if a tenant presents a strong case, a judge may still side with the landlord if the increase aligns with the index.
Tenants must, therefore, carefully consider the trade-off between accepting a rent hike in a poorly maintained property or pursuing a potentially uncertain legal challenge.
Weighing the Options: Stay or Move?
For tenants in similar predicaments, the decision to stay or relocate is critical. Moving to a better-maintained property might mean paying more, but it could offer a significant improvement in quality of life.
Conversely, those choosing to stay should consider legal action, though it comes with no guarantees. The Dubai Land Department's rental index, which guides rent increases, does not account for a building's maintenance or amenities, making it uncertain whether a judge would rule in favour of the tenant.
Key Considerations for Tenants
In these situations, tenants must continue paying rent for any duration they remain in the property to avoid complicating legal proceedings.
Clear communication with the landlord is also advisable, though it may lead to tense interactions.
The outcome of any legal dispute will ultimately rest with the judge, and tenants should be prepared to act swiftly following a judgement.
If the decision is unfavourable, an appeal remains an option. Navigating rent disputes and notices to vacate requires tenants to be vigilant, legally informed, and prepared to act decisively.
Whether dealing with poor maintenance, unexpected rent hikes, or legal notices, the key is to balance financial considerations with the quality of living and to understand the legal avenues available for protecting one's rights.
In the competitive UAE property market, these decisions are not just about economics but about ensuring a living environment conducive to well-being and peace of mind.
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The Ministry of Human Resources and Social Development (MHRSD) has announced plans to coordinate with the Ministry of Investment of Saudi Arabia (MISA) to address concerns regarding a draft scheme that proposes dividing work permits into three categories based on skill levels.
The MHRSD confirmed that it is finalising the scheme, taking into consideration the key feedback and observations received from various stakeholders.
In June 2024, the MHRSD, through Istitlaa -- the National Competitiveness Centre’s unified electronic platform for public consultation -- introduced a draft amendment to the executive regulations of the Labour Law.
The proposed scheme aims to categorize work permits and visas into three skill levels: highly skilled, skilled, and basic. The ministry invited the public and relevant entities to provide their feedback before finalising the scheme.
In its response, MISA expressed concerns that the scheme might impact the investment environment and emphasized the need to consider the interests of both local and foreign investors.
MISA highlighted the importance of analysing the current situation, conducting detailed benchmarking, and assessing the impact on related systems, as well as ensuring compliance with international obligations.
Additionally, MISA stressed the necessity of studying the financial implications, business practices, and the potential effects on small and medium enterprises.
The ministry also called for a review of directives from the highest authorities to ensure the scheme’s alignment with broader national interests.
In response to MISA's concerns, the MHRSD highlighted that the scheme is grounded in a comprehensive study of the financial, economic, and legislative impacts, including those on the labor market and various establishments.
A benchmark comparison with global best practices indicated that the classification of visas and work permits for expatriates would not significantly harm the investment environment.
The HR ministry added that the proposed scheme is expected to aid commercial establishments in attracting appropriately skilled workers, which would positively influence the overall business environment, including the investment climate.
The MHRSD plans to provide MISA with a summary of the study supporting this conclusion.
The MHRSD also noted that the proposal to categorise work visas by skill levels was presented to the Labor Market Policies Committee in 2021, where it received praise.
Furthermore, small companies with fewer than 20 employees will be exempt from certain policies under the new recruitment system.
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As Dubai's status as a global business and technology hub expands, the threat of phishing has surged, creating significant risks for both residents and businesses.
This article examines the rising phishing landscape in Dubai, reveals common tactics employed by cybercriminals, and offers practical tips to help you stay secure in this increasingly perilous digital environment.
Escalating Threat
Phishing attacks have dramatically increased in Dubai, reflecting a broader global trend in cybercrime. The UAE Cyber Security Council has raised alarms over this surge, particularly as public sector entities in the UAE fend off approximately 50,000 cyberattacks daily.
A mid-2023 report by cybersecurity firm Acronis highlighted a 464 per cent spike in phishing incidents across the MENA region, with Dubai witnessing a particularly sharp rise.
The sophistication of these attacks is evolving, with cybercriminals deploying more cunning methods to deceive their victims.
In the second quarter of 2023, phishing emails in the UAE surged by 77 per cent, with scammers frequently impersonating reputable organisations or using urgent language to deceive recipients into disclosing sensitive information.
This alarming trend highlights the critical need for heightened cybersecurity awareness and stronger protective measures.
Common Tactics in Dubai
Phishing attacks in Dubai are becoming increasingly sophisticated, exploiting human emotions and behaviours. Here are some of the most prevalent tactics used by scammers:
Impersonation of Legitimate Entities: Attackers often mimic trusted organisations like Dubai Police, local banks, or government agencies to create a sense of authenticity. They send emails or SMS messages that appear official, urging recipients to click on malicious links or provide personal information.
Urgency and Fear Tactics: Scammers commonly use urgent language, claiming that immediate action is needed to avoid severe consequences, such as account suspension or legal trouble. This pressure can cause victims to act hastily without verifying the authenticity of the message.
Spear Phishing and Whaling: These targeted phishing methods involve customised messages aimed at specific individuals or high-profile targets, such as corporate executives, to bypass security filters and gain access to sensitive information.
Smishing and Vishing: Phishing isn’t limited to emails. Attackers also use SMS (Smishing) and voice calls (Vishing) to deceive victims into sharing personal details or making payments under false pretences.
Recognising Phishing Attempts
Identifying phishing attempts requires vigilance and a keen eye for detail. Here are some common signs:
* Suspicious Email Addresses: Always verify the sender’s email address for any inconsistencies or misspellings.
* Generic Greetings and Urgent Language: Phishing emails often use non-personalised greetings and create a false sense of urgency to provoke quick responses.
* Unfamiliar or Suspicious Links: Hover over links before clicking to check the actual URL. If it looks unfamiliar or doesn’t match the supposed source, don’t click it.
* Spelling and Grammar Errors: Many phishing messages contain subtle errors in spelling and grammar, which can be red flags.
Other Methods Targeting Dubai Residents
Phishing schemes in Dubai extend beyond emails to other forms of communication:
* Fake Police Calls: Scammers impersonate Dubai Police, threatening legal action unless the victim provides personal information or makes payments.
* Social Media Phishing: Fraudsters use fake profiles or hijacked accounts to send phishing messages through social media platforms, often impersonating friends or official entities.
* Watering Hole Attacks: Cybercriminals compromise websites frequented by specific groups, infecting them with malware designed to steal visitors' data.
Dubai’s authorities have been proactive in combating phishing and other cybercrimes. The Dubai Police frequently issue warnings and have launched public awareness campaigns to educate residents about phishing dangers.
Additionally, the UAE Cyber Security Council plays a critical role in coordinating national efforts to secure the country’s digital infrastructure, including blocking scam websites and strengthening cybersecurity laws.
Despite these efforts, challenges persist. Scammers often create fake websites that mimic legitimate entities, using black hat SEO techniques to manipulate search rankings and appear at the top of search results.
The use of HTTPS domains by scammers further complicates efforts to identify and take down these fraudulent sites.
How to Protect Yourself
Staying safe from phishing requires a combination of awareness and proactive measures. Here are some key tips:
* Use Reliable Security Software: Ensure you have up-to-date antivirus software that can detect and block phishing attempts.
* Be Cautious with Unsolicited Messages: Treat unexpected emails, SMS, or social media messages with scepticism, especially those that request personal information.
* Verify Sources: If you receive a message claiming to be from a trusted organisation, contact them directly using official channels to confirm its legitimacy.
* Enable Two-Factor Authentication (2FA): Strengthen your online accounts by enabling 2FA, adding an extra layer of security.
* Educate Yourself and Others: Stay informed about the latest phishing tactics and share this knowledge with friends and family to prevent scams.
If you suspect you’ve fallen victim to a phishing attack in Dubai, take immediate steps to mitigate the damage:
Report the Incident: Contact Dubai Police via their cybercrime reporting platforms or call the emergency number.
Notify Your Bank: If financial information was compromised, inform your bank immediately to prevent unauthorised transactions.
Change Passwords: Update the passwords for your online accounts, especially those that may have been compromised.
Monitor Your Accounts: Keep a close eye on your bank accounts and online profiles for any suspicious activity.
Conclusion
Phishing remains a significant threat in Dubai, with cybercriminals constantly refining their tactics. However, by staying informed, vigilant, and taking proactive measures, residents can protect themselves from falling prey to these scams.
Remember, education and awareness are your best defences against phishing attacks.
(The writer is a Senior Associate at the Dubai-based NYK Law Firm)
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As the insurance landscape evolves, so does the regulatory framework designed to ensure transparency, fairness and consumer protection.
The Insurance Broker Regulations 2024 (New Regulations) introduce significant changes that will impact brokers, insurers and consumers alike.
The Central Bank of the United Arab Emirates (CBUAE), as the insurance regulator, has issued the New Regulations, which abrogate the Resolution No. 15 of 2013 concerning the insurance brokerage regulations.
The Insurance Authority Director General Decision No. 58 of 2013 concerning the implementation of the aforementioned Resolution No. 15 of 2013, and the Insurance Authority Work Guide of the Internal Controller at Insurance Brokerage Companies.
Key Changes in the New Regulations
Enhanced Disclosure Requirements: One of the most notable changes is the heightened emphasis on transparency. Insurance brokers are now required to provide more detailed disclosures about their remuneration and any potential conflicts of interest.
This includes clear information on how they are compensated by insurers and any incentives that may influence their recommendations.
Strengthened Consumer Protection Measures: The New Regulations introduce more stringent measures to safeguard consumers.
Brokers must now ensure that all advice given is in the best interest of the consumer, taking into account their specific needs and financial situation.
This includes a comprehensive assessment of the consumer’s insurance requirements and a thorough explanation of all policy terms and conditions.
Mandatory Professional Development: To maintain high standards in the industry, the New Regulations mandate ongoing professional development for brokers.
This includes regular training and certification updates to ensure that brokers remain knowledgeable about industry changes, emerging risks and new products.
Improved Complaint Handling Procedures: The regulations stipulate that brokers must have robust complaint handling procedures in place.
This includes a clear process for consumers to raise concerns and for brokers to address and resolve complaints efficiently. Brokers are also required to keep detailed records of complaints and their resolutions, which will be subject to regulatory review.
Increased Regulatory Oversight: Regulatory bodies will now have greater powers to oversee and enforce compliance with the New Regulations. This includes more frequent audits and reviews of broker practices.
Brokers should be prepared for increased scrutiny and ensure that their operations and practices are fully compliant with the updated standards.
Bank Guarantee: Brokers established in the free zones are now required to furnish a bank guarantee of up to Dh5 million in addition to maintaining the minimum capital requirements.
What Consumers Should Know
For consumers, the New Regulations mean increased protection and transparency. When working with insurance brokers, consumers can expect clearer information about the products and services being offered, as well as more detailed explanations of any associated costs.
Conclusion
The New Regulations mark a significant shift towards greater transparency and consumer protection in the insurance industry. While these changes will require adjustments from brokers, they ultimately aim to enhance the overall consumer experience and ensure fair practices within the industry.
Staying informed and prepared will be key for brokers to navigate these new requirements successfully and continue to deliver value to their clients.
(The writer is an insurance expert at Dubai-based NYK Law Firm)
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Motorists in the UAE can have four black points removed from their driving records by following traffic rules on the first day of the new academic year.
To qualify, drivers must sign a six-point pledge online and avoid accidents on August 26, as students return to school after the summer break.
Conditions for Black Points Reduction
* Sign the pledge on the Ministry of Interior's website. You will need your UAE Pass to log in and sign.
* Avoid traffic violations or accidents on August 26 to qualify.
Pledge Details
The pledge includes the following six key traffic rules:
* Maintain a safe distance from the vehicle in front.
* Prioritise pedestrians at crossings.
* Always wear a seatbelt.
* Adhere to speed limits.
* Avoid using a handheld mobile phone while driving.
* Yield to emergency vehicles, police, public service vehicles, and official convoys.
A certificate of participation will be sent to the motorist’s email after signing the pledge.
If all conditions are met, four black points will be removed from the driving licence on September 14. This process is automatic.
Black points are penalties for serious traffic violations, with the number depending on the severity of the offense. For example, reckless driving incurs a Dh2,000 fine and 23 black points, while not wearing a seatbelt results in a Dh400 fine and four black points.
Accumulating 24 black points within a year leads to a driving licence suspension.
Brigadier Hussein Ahmed Al Harithi, chairman of the Federal Traffic Council, explained that the campaign aims to "foster a culture of responsible driving."
This collective effort is "essential" for creating a safer traffic environment and serves as an incentive to encourage traffic safety throughout the year.
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In Dubai's fast-paced lifestyle, hiring domestic help has become increasingly common as residents strive to balance work and home responsibilities.
It's crucial to understand the process of employing domestic workers and be aware of the necessary steps to take if they go missing.
When hiring domestic help in the UAE, ensure that you apply for their work permit through the Ministry of Human Resources and Emiratisation (MoHRE).
The provisions of Federal Decree No. 9 of 2022 Concerning Domestic Workers and Cabinet Resolution No. 106 of 2022 Pertaining to the Executive Regulations of Federal Decree-Law No. 9 of 2022 Concerning Domestic Workers are applicable.
Employers’ Duties Towards Domestic Workers
* Provide the necessary resources for the agreed-upon work.
* Ensure decent and liveable accommodation for the domestic worker.
* Cover the cost of medical treatment as per state health rules; it is advisable to obtain medical insurance for your domestic helper.
* Treat the worker with dignity and ensure their safety.
* Prevent workers from engaging with third parties or working without proper authorisation.
* Do not assign workers to different professions without their consent and in compliance with the law.
* Ensure that workers retain their personal documents, such as passports and Emirates IDs.
* Do not receive any sums or remuneration not stipulated by law or contract.
* Report any violations by the worker to the Ministry and comply with their requests.
* Ensure that payment is transferred to their account, avoiding cash payments.
Despite your best efforts to care for your domestic worker, they may still leave without informing you. In such cases, it is your responsibility to report the incident. Here is how you can file an absconding report against your domestic worker:
What to Do if a Maid Absconds
The sponsor of the maid must file a complaint with the Department of Residency and Foreigners Affairs. Failure to do so could result in a fine of up to Dh50,000 or legal action once the maid is apprehended.
What Happens When the Absconded Maid is Caught?
Once apprehended by the authorities, the maid will not only be deported from the UAE but will also be subjected to interrogation to identify the sponsor and any individuals who may have employed them after they absconded.
How to File an Absconding Worker Complaint
MoHRE’s Mobile App “MOHRE UAE”: Use the mobile app for efficient complaint processing.
Recruitment Offices: Report the absconding worker at recruitment offices for assistance.
Tawseel Vehicle – Mobile Service Desk: Utilise the mobile service desk for convenient, doorstep service.
MoHRE’s Website – mohre.gov.ae: File a complaint online for a comprehensive, documented process.
To effectively navigate the complaint filing procedure, follow these steps:
*Select the “Registering a Domestic Labour Complaint” Service: Begin by choosing this specific service.
* Specify Applicant Type and Work Permit Number: Provide essential details for accurate documentation.
* Enter Complaint Details: Clearly outline the complaint details for a comprehensive submission.
* Add Attachments if Needed: Include relevant attachments to support the complaint.
* Use the Labour Unified Number: Include this identifier for tracking and processing.
Processing Time
According to the MoHRE website, complaints are typically processed within 14 working days, ensuring a timely resolution.
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Have you recently received a Salik fine and are unsure why? If you believe you were wrongly charged, you can file a dispute and potentially receive a refund if the fine has already been paid. Here’s how you can efficiently contest a Salik fine using three simple methods.
Understanding Salik Violations
According to Salik, a violation occurs when a vehicle passes through a toll gate without a valid tag, with an unregistered tag, or with insufficient funds in the Salik account.
This also includes failing to activate or recharge your Salik account. If you believe you have a valid case with supporting evidence, here are three ways to contest a Salik violation:
Through the Salik Website
You can dispute your fines through the Salik website via a straightforward process:
Visit the Salik website: salik.ae.
* Navigate to the ‘Violations and Disputes’ section on the homepage.
* Enter your car number plate details and click the ‘Search’ button to view the fines registered against your vehicle.
* Select the fine you want to dispute.
* Provide your traffic file number and details of the dispute, including the time and location as mentioned in the fine description, and the reason for filing the dispute.
* Submit the application. You will receive an application reference number instantly.
The dispute request is forwarded to the violations department for investigation, which can take up to 15 days. The final status will be communicated via SMS, either approving or rejecting the dispute.
Through Mobile Apps
Several mobile apps allow you to file a Salik dispute conveniently:
Smart Salik App:
Open the app and go to ‘Violations and Disputes’.Enter your car number plate details.Select the violation and fill in the application form with the necessary details and evidence.Submit the case application.
Dubai Drive App:Open the app and log in with your UAE Pass account.Navigate to the ‘Salik’ category and select ‘Violations and Disputes’.Enter your car number plate details, view the fines, and select the violation to dispute.
Dubai Now App:Open the app and log in with your UAE Pass.Select the ‘Driving’ category, then ‘Salik Accounts’.View your vehicle and Salik account details.Navigate to ‘Violations and Disputes’ and file the dispute.
Through the Salik Call Centre
You can also contact the RTA's call centre:
* Call the toll-free number 80072545.
* A customer service agent will process your request and create a dispute. You will receive an SMS with the dispute reference number.
Similar to the website process, the request will be forwarded to the concerned department, and the investigation may take up to 15 days. The final status will be communicated via SMS.
Important Information
Disputing fines is free of charge through all mentioned channels. If the dispute is approved and the fine has been paid, it will be cancelled from the system, and the amount refunded. To receive the refund, fill out an electronic refund form at any customer happiness centre.
Types of Violations
* Unregistered Plate Violations (URP): If a vehicle passes through a gate without registering the number plate within 10 working days of the toll trip. The fines escalate with each day of non-compliance, starting from Dh100 on the first day to Dh400 for subsequent violations.
* Insufficient Funds Violation (IPV): If a motorist passes through a toll gate with insufficient funds in their Salik account. The fine is applied five days after the trip.
Disputing a Salik fine is a structured and accessible process, whether through the website, mobile apps, or the call centre.
By following these steps, motorists can ensure their disputes are handled efficiently, and any erroneous fines can be corrected promptly.
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The Government of the UAE has issued a Federal Decree-Law amending certain provisions of the Federal Decree-Law on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations.
As part of the ongoing development of the legislative and legal framework, this decree seeks to enhance the legal structure that supports the efforts of the country’s relevant authorities in combating financial crimes.
It also aims to strengthen the UAE's technical compliance with international recommendations and treaties on these matters.
Furthermore, the decree aligns with the national strategy launched to safeguard the local financial ecosystem by implementing pioneering standards to counteract crimes that negatively impact national economies.
The amendments include the establishment of the National Committee for Anti-Money Laundering, Combating the Financing of Terrorism, and Financing of Illegal Organisations, to be formed by a Cabinet decision.
They also provide for the creation of the Supreme Committee for the Oversight of the National Strategy for Anti-Money Laundering and Counter-Terrorism Financing. A Cabinet decision will outline its formation and operating regulations.
According to the decree, the Supreme Committee will be responsible for studying, overseeing, and assessing the effectiveness of strategies and measures implemented by the National Committee for Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations.
It will also define measures to be observed, set requirements for the National Committee and relevant entities, issue the necessary decisions in this regard, and monitor their implementation.
The new decree also stipulates the need for coordination between the National Committee and relevant entities, guiding and urging them to provide adequate support to the National Committee to facilitate its performance and fulfil its duties.
This coordination is also intended to ensure that the National Committee can effectively oversee the development of the Mutual Evaluation Report, which assesses the country’s compliance with international standards on Anti-Money Laundering and Combating the Financing of Terrorism, and monitor their implementation.
Additionally, the decree mandates the establishment of a General Secretariat for the National Committee, headed by a Secretary-General.
The Secretary-General will also serve as the Vice-Chairperson of the National Committee and as a member of the Supreme Committee.
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The Abu Dhabi Judicial Department (ADJD) has introduced an express civil marriage service that enables couples to legally marry within 24 hours.
This service is available to both residents and tourists, offering a fast, convenient, and hassle-free marriage process. The express service can be accessed online or in person.
Background: Law No. 14 of 2021
The Abu Dhabi Government enacted Law No. 14 of 2021 Concerning Personal Status for Non-Muslim Foreigners. This law emphasises the importance of formalising marital relationships, aiming to protect the rights of both spouses and their children.
It provides a legal framework for civil marriages independent of religious laws, ensuring fair and consistent treatment for all parties involved.
What is a Civil Marriage?
Under Article 7 of the law, a marriage is classified as civil when it is conducted and officially recorded according to prevailing laws and regulations, without regard to religious laws.
This allows both UAE residents with Emirates IDs and non-residents to marry, including situations where one spouse is a resident and the other is a visitor.
Types of Civil Marriage
The ADJD offers two types of civil marriage services:
Standard Civil Marriage:
* The court schedules the date and time based on availability.
* The entire process takes between 2 to 3 weeks.
Express Marriage:
* Allows couples to select their preferred date and time for the ceremony.
* The process is expedited, taking 2 to 3 days.
Eligibility and Requirements for Civil Marriage
Couples must meet specific conditions and provide the required documents to apply for the fast-track marriage process. This express service is accessible to all, presenting a unique opportunity for UAE residents and tourists alike. To qualify, applicants must provide:
Passport copy
* UAE residence visa (if applicable)
* Emirates ID copy (if applicable)
* Active UAE PASS app (if applicable)
* Declaration of single status
* Completed marriage application form
* Proof of divorce, if applicable
* Death certificate of a former spouse, if applicable
* A fully completed and signed application form for civil marriage, with the 'Express' option marked
* A prenuptial agreement, though optional, can be presented by the couple
Application Process
The ADJD has simplified the application process with two methods:
Online Application:
* Access the official ADJD website: www.adjd.gov.ae.
* Sign in to your UAE Pass account (visitors can create one if necessary).
* Complete the online form with details of both parties.
* Attach the required documents, including the marriage application form.
* Pay the express service fee using a credit or debit card.
In-Person Application:
* Visit the ADJD typing centre or the Civil Family Court.
* Submit the completed marriage application form and necessary documents to the respective authorities.
The ADJD provides a step-by-step guide for those using the online application system to ensure clarity in the marriage process.
Step-by-Step Online Application Guide
Log into the ADJD Portal and Select the Civil Marriage Online Form
* Visit the official ADJD website: www.adjd.gov.ae/en/Pages/CivilFamilyCourt.aspx.
* Click on 'Marriage' and choose whether you are a UAE resident or a tourist.
* Log in with your UAE Pass account.
* Register a new case by selecting 'Civil Family Court Registration Requests (Marriage, inheritance, and wills)'.
* Select the region and branch (ADJD headquarters).
Fill Out the Application and Submit Documents Online
* Choose 'Non-Muslim Marriage' and then 'Premium Civil Marriage'.
* Fill in the online form with details of both parties.
* Verify the details from the UAE Pass account and upload the required documents, including the marriage application form.
Pay the Fee for the Express Service
* Verify the application details and pay the express service fee online with a credit or debit card.
Receive Approval and Set the Date and Time for the Wedding
* You will receive approval within 24 hours. Set a date and time via the online appointment system or the court will contact you to arrange it. Once confirmed, you will receive the appointment details by email. The wedding will take place at the Civil Family Court.
You will receive the marriage certificate at the end of the ceremony. According to the ADJD, the document must be notarised and attested by the UAE’s Ministry of Foreign Affairs (MOFA).
Tie the Knot via Video Call
The ADJD also offers the convenience of virtual civil marriage ceremonies through video conferencing. Once your marriage contract is finalised and digitally signed, you can choose between an in-person or online ceremony when booking your appointment.
Your certified marriage contract will be delivered to you electronically as soon as the ceremony is complete.
How Long Does the Process Take?
Your express civil marriage application will be processed by the ADJD within 24 hours (one working day).
Post-Ceremony Formalities
After the express civil marriage ceremony, couples must fulfil certain formalities to ensure their marriage is fully recognised and documented:
* Notarisation and Attestation: The ADJD marriage certificate must be notarised and attested by the UAE’s Ministry of Foreign Affairs (MoFA).
* Additional Documentation: Additional documentation may be required, such as a prenuptial agreement or legal translations of certain documents.
Ceremony Details
The ceremony takes place at the Civil Family Court in the ADJD main court building. The working hours are:
* Monday to Thursday: 9:00 AM to 1:30 PM
* Friday: 9:00 AM to 11:00 AM
The ceremony lasts about 15 minutes. Couples can exchange rings, include personal vows, and invite guests to the ceremony. Photographs and videos are permitted.
After the Ceremony
Standard Marriage: Marriage certificate issued within 3 days.
Express Marriage: Marriage certificate issued immediately after the ceremony.
To be valid outside the UAE, the marriage certificate must be attested by the Ministry of Foreign Affairs.
Fees
Standard Civil Marriage: Dh300
Express Civil Marriage: Dh2,500
Marriage/Pre-Nuptial Agreement: Additional Dh950
Conclusion
The express civil marriage service offered by the Abu Dhabi Judicial Department reflects the city’s commitment to providing efficient and innovative solutions for residents and visitors.
The streamlined application process and quick turnaround allow couples to begin their marital journey promptly, bypassing traditional delays and bureaucratic obstacles.
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The UAE Civil Transactions Law, Federal Law No. 5 of 1985, is the primary legal framework governing civil and commercial transactions in the United Arab Emirates.
It regulates contractual relationships, property rights, and tortious claims, combining traditional Islamic principles with modern legal standards.
While, the UAE Civil Procedure Law, established by Federal Decree-Law No. 42 of 2022, governs civil litigation procedures in the UAE. Replacing Federal Law No. 11 of 1992, it introduces updates for greater procedural efficiency and clarity.
Key Provisions of the UAE Civil Transactions Law
Contract Formation: Defines the essential elements for a valid contract, including mutual consent, lawful object and a legal cause.
Contract Interpretation: Emphasises interpreting contracts based on the parties' intentions rather than literal meanings.
Performance of Contracts: Addresses obligations and the requirement for good faith in fulfilling contractual duties.
Non-Performance and Remedies: Details remedies for non-performance, including claims for damages and specific performance.
Property Rights: Regulates ownership, transfer and related rights for real estate and movable property.
Obligations Arising from Torts: Covers liability for wrongful acts and compensation for damages.
Contracts for Sale: Governs the sale of goods, including contract formation, delivery, and handling defects.
Lease Agreements: Regulates lease contracts, outlining landlords' and tenants' rights and responsibilities.
Agency Agreements: Provides rules for agency relationships, including agents' authority and obligations.
Insurance Contracts: Details provisions for insurance contracts, including rights, obligations and claims processes.
Key Provisions of the UAE Civil Procedure Law
Jurisdiction: Defines the scope of UAE courts' jurisdiction for various civil cases.
Filing of Lawsuits: Details the process for initiating legal proceedings, including required documentation and procedural steps.
Service of Process: Outlines methods for serving legal documents, including service outside the UAE.
Evidence and Hearings: Regulates evidence presentation and court hearings, including standards for admissibility.
Judgment and Execution: Covers procedures for issuing and enforcing court judgments.
Appeals: Provides the framework for appealing judgments, including time limits and procedural requirements.
Interim Measures: Allows for temporary measures, such as injunctions or attachments, during litigation.
Costs and Fees: Addresses court costs and legal fees, including provisions for cost recovery.
Remote Proceedings: Introduces provisions for remote communication technologies to enhance accessibility.
Special Procedures: Defines specific procedural rules for certain case types, such as commercial or family law matters.
Overview of UAE Civil Transactions Law and UAE Civil Procedure Law
Contractual disputes in the UAE are primarily settled based on contract interpretation. UAE courts apply established principles found in Chapter 4 of the Civil Transactions Act (Civil Code) under "Construction of Contracts." The terms 'construction' and 'interpretation' are used interchangeably.
Federal Law 42 of 2022, the new civil procedure law, consolidates and replaces Federal Law No. 11 of 1992 and its executive regulations under Cabinet Resolution No. 57 of 2018. It came into effect on January 2, 2023.
Significant Changes Under the New Law
Service Outside the Jurisdiction: Article 11(2) mandates that service outside the jurisdiction must occur within 21 working days from the date the Ministry of Foreign Affairs sends the notice and/or documents to the diplomatic mission in the foreign country.
Cheques as Enforceable Instruments: Article 212 lists enforceable instruments, including judgments and settlement agreements. Article 143(2) confirms that cheques are enforceable instruments, aligning with Federal Law No. 14 of 2020, which decriminalized bounced cheques. Enforcement files for dishonored cheques can now be opened directly.
Court of Appeal: Articles 167(2) and (3) grant the Court of Appeal new powers to filter appeals, allowing for an 'in chambers' review and a 20-working-day period to issue a reasoned decision or set a hearing.
Appeals to Cassation: The time limit for cassation appeals is reduced to 30 days (previously 60). This applies only to cassations filed after January 2, 2023.
Objective or Subjective Method of Construction
In interpreting contracts, UAE judges may determine the parties' subjective intent or consider external acts objectively. Unlike common law traditions, which use a 'reasonable man' standard, the UAE Civil Transactions Act uses a subjective test to ascertain the parties' real intentions.
Rules of Construction
Plain Expressions: If a contract's expression is clear and aligns with the parties' true intentions, no further interpretation is needed. If it does not reflect their true will, the judge may interpret it to match their real intention.
Ambiguous Expressions: For ambiguous expressions, Article 265(2) states that the common intention of the parties should be considered, focusing on more than just the literal meaning. This aligns with the parole evidence rule, which allows only the contract itself for interpretation.
Construction in Case of Doubt: Article 266 states that doubt should be construed in favour of the debtor, as a residual rule after other interpretation methods are exhausted.
Conclusion
The UAE Civil Transactions Act provides a general framework for contract interpretation, with courts typically adhering to statutory provisions. However, these rules are guidelines and can be modified or excluded by agreement.
Litigation procedures in the UAE are governed by federal laws, with civil procedures regulated by Federal Decree-Law No. 42 of 2022. Criminal procedures are covered by Federal Decree-Law No. 38 of 2022, detailing investigation methods, trial procedures, and judgment enforcement.
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The Central Bank of the UAE (CBUAE) introduced the new "Insurance Brokerage Regulation" on July 25, 2024, which supersedes all previous guidelines and regulations for insurance brokers.
The new regulation will come into effect six months from its publication in the UAE gazette, anticipated by late January or February 2025.Insurance brokers and insurers must align their operations with the new rules within this period.
Major Changes
Redefinition of Insurance Brokerage: Insurance brokerage now explicitly includes soliciting, negotiating, or selling insurance or reinsurance contracts, eliminating ambiguities that previously allowed unregulated entities to operate as intermediaries.
Categorisation of Brokerage Licences: Licences are now divided into primary insurance, reinsurance and composite insurance. This change allows entities to specialise in reinsurance with different regulatory requirements compared to primary insurance brokers.
Prohibition on Premium Collection: Insurance brokers can no longer collect premiums; this responsibility now lies solely with insurance companies. This prohibition raises questions about the future relevance of the escrow requirements set by the CBUAE in 2022.
Commission Payments: Insurers must pay commissions to brokers within 10 business days of receiving the premium. For premiums paid in installments, brokers receive proportional commission payments accordingly.
Minimum Capital and Bank Guarantee: While the minimum capital and bank guarantee requirements remain unchanged, they are now distinct obligations. Brokers must maintain these separately, impacting their balance sheets -- a detail still awaiting full clarification.
External Auditors: All brokers must appoint external auditors approved by the CBUAE.
Issuance of Policies and Endorsements: Only insurance companies are authorised to issue insurance policies, amendments and endorsements, except for motor insurance certificates, if agreed upon.
Corporate Governance Policy: Brokers must implement a comprehensive corporate governance policy covering internal structure, management practices and procedures to ensure transparency, accountability and ethical behaviour.
Financial Soundness: Brokers must inform the CBUAE immediately if their net equity falls below 100% and present a plan to rectify it within 15 days. During this period, they cannot undertake new business but must continue servicing existing clients.
Outsourcing Requirements: Brokers must obtain the CBUAE's approval for outsourcing material business activities, which cannot be outsourced outside the UAE. The definition of "material business activity" remains unspecified.
Offering Discounts: Brokers are prohibited from offering discounts from their commissions to customers. Discounts must come directly from the insurer according to underwriting guidelines.
Cybersecurity and Data Retention: Brokers must maintain robust policies to prevent and address data breaches, ensuring personal data is stored within the UAE and retained for a minimum of 10 years.
Conclusion
The new regulations underscore the CBUAE’s dedication to enhancing the insurance brokerage sector's stability, transparency and fairness.
The CBUAE may apply proportionality, tailoring requirements based on the nature, scale, and complexity of a broker's business, ensuring the overarching goals of the regulations are met without strictly adhering to every specific mandate.
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Employers in the UAE may incur substantial fines for engaging in unfair practices. According to Article 60 of Federal Decree-Law No. 33 of 2021 under UAE Employment Law, those found guilty of such practices can be fined between Dh50,000 and Dh200,000.
These unfair practices include:
* Employing Workers Without a Work Permit: Hiring employees without the necessary work permit from the Ministry of Human Resources and Emiratisation (MoHRE).
* Recruiting Without Providing Work: Hiring employees and then not assigning them any work.
* Misuse of Work Permits: Using work permits for purposes other than those for which they were issued.
* Improper Closure of Businesses: Closing or ceasing operations of an establishment without settling employees' entitlements, thereby violating the relevant Decree-Law.
* Employing Juveniles Illegally: Hiring juveniles in contravention of the law’s provisions.
* Employment Agreements Violating Juvenile Regulations: Agreeing to employment terms for juveniles that do not comply with the legal requirements concerning their guardians.
In addition, Articles 58 through 63 of the UAE Employment Law outline penalties for other types of unfair practices by employers.
During inspections, MoHRE officials may identify and report violations. According to Article 33(2) of Cabinet Resolution No. 1 of 2022, inspectors will document any violations and report them to the relevant authorities.
Employers are required to cooperate with these inspectors by providing necessary information and access.
Employees impacted by unfair practices can file complaints with MoHRE under Federal Decree-Law No. 20 of 2023, which amends certain provisions of Federal Decree-Law No. 33 of 2021.
Additionally, if multiple employees are affected, they can file a collective dispute with MoHRE as per Article 56 of the UAE Employment Law and Article 32 of Cabinet Resolution No. 1 of 2022.
Employees facing unfair treatment should consider filing a complaint with MoHRE. If an individual employee is not directly affected but knows others who are, they can advise their colleagues to file complaints.
MoHRE will review and take action based on these complaints, ensuring that unfair practices are addressed and rectified.
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