1. About Cobalt and these terms
Cobalt is owned and operated by Amanors Holding Limited, registered in the Dubai International Financial Centre (DIFC), under registration number 11976. These terms govern your use of the Cobalt website, login and test onboarding. By creating an account or agreeing to these terms, you agree to follow them.
For help, contact support@cobalt.ci. Privacy requests should go to privacy@cobalt.ci.
2. A test account is not a bank account
The current website includes product previews, illustrative features and a test login and identity-verification experience. It does not currently provide a live bank account, custody service, payment service or investment service. Do not send money to the test service or rely on sample balances, prices or product illustrations as an offer.
Our company registration in the DIFC is not a statement that Cobalt or Amanors Holding Limited is licensed as a bank. Any future regulated service will be subject to availability, eligibility, the relevant provider’s authorisation and separate service terms. Completing onboarding does not guarantee acceptance by Cobalt or a banking partner.
3. Your account
Provide a valid email address you control and use your own passkey. Keep your device and recovery methods secure, do not share access and tell us promptly if you suspect misuse. You are responsible for authorised use of your account, subject to any protections the law gives you.
The current test onboarding is intended for adults aged 18 or over. Separate eligibility rules and parental arrangements would apply to any future service for younger users. Do not impersonate someone else, create misleading accounts or submit another person’s documents.
4. Identity verification with Shufti
After signup, we may ask you to select your country of residence and complete an identity-check flow provided by Shufti. In a live service, this may involve identity documents, a selfie and other checks needed for fraud prevention or legal compliance. You must provide accurate information when applying for a live service and follow the notices presented for that check.
The current Shufti flow is a sandbox: use sample details only and do not upload a real ID or selfie. A simulated result is not a real KYC approval. Submitting a form is not the same as receiving a final verification decision. If a check is incomplete, under review, declined or expired, access to later stages may remain unavailable.
We may request further information or manual review where appropriate. Contact support if a result appears incorrect or you need an alternative or accessible way to complete a check.
5. Privacy and regional handling
Our Privacy Policy explains how information is collected, stored, used and shared, including with Shufti, our other processors, banking partners and regulators responding to lawful requests.
Our policy is not to store personal data in the UAE. Live banking and KYC storage must be arranged within the regulatory region required for your location and the service involved. The Privacy Policy separately describes the current test setup and international processing arrangements. Accepting these terms does not waive your privacy rights.
6. Acceptable use
Do not use Cobalt for unlawful activity, fraud, harassment or infringement of others’ rights. Do not attempt to bypass identity checks, access another user’s account, interfere with the service or exploit a vulnerability. Report suspected security issues to support@cobalt.ci without accessing or disclosing other people’s data.
Cobalt’s branding, design, software and website content belong to their respective owners. You may use the website for its intended purpose; these terms do not transfer intellectual-property ownership to you.
7. Availability and account closure
We may change, interrupt or withdraw test features as development continues. We may restrict or suspend access where reasonably necessary for security, suspected misuse or legal obligations. Where appropriate and legally permitted, we will explain the restriction and how to raise a concern.
You may stop using the service at any time and request account closure through support. Closure does not require deletion of information that must lawfully be retained. The Privacy Policy explains how to request deletion and other privacy rights.
8. Responsibility and your legal rights
We take reasonable care in providing the website, but the test service is provided for evaluation and may contain errors or interruptions. Website content is not personalised financial, investment, tax or legal advice. Third-party services are also subject to their applicable terms.
Nothing in these terms excludes or limits liability where doing so would be unlawful, including liability for fraud, or removes any mandatory consumer or data-protection rights. Any future financial-service liability and complaint arrangements will be set out in that service’s own terms.
9. Questions, complaints and updates
Please raise service questions or complaints with support@cobalt.ci. We will review the issue and explain available next steps. This does not restrict your right to contact a competent authority or seek a remedy through the courts available to you under applicable law.
We may update these terms as the service develops. The effective date above identifies this version. We will notify you of material changes and seek renewed acceptance where required. Separate terms will be provided before a live financial service is offered.