Legal Disclaimer & Terms of Reliance
The contents of this website (`astunion.com`), including all valuation bulletins, market indices, economic research, and consultancy notes, are intended for general information and professional orientation only and should not be construed or relied upon as formal legal, financial, accounting, or appraisal advice without an executed engagement agreement.
1. Scope of Information & Non-Reliance
General Notice: AssetsUnion (`الأصول المتحدة`) and its incorporated, affiliated, or associated regional offices (including Riyadh, Dubai, and New York representations) provide the materials on this website for informational purposes only. While every effort is made to verify quantitative inputs, comparable data, and regulatory shifts, AssetsUnion makes no warranty, express or implied, regarding the absolute completeness, accuracy, timeliness, or fitness for a particular commercial purpose of any published material or data series.
No Formal Instruction Without Agreement: Accessing this website, downloading research reports, or submitting inquiries through our contact portals does not establish a valuer-client advisory relationship. Formal professional reliance on an AssetsUnion valuation report, appraisal opinion, or consultancy mandate is strictly limited to named client addressees holding a signed Letter of Engagement (`LoE`) and certified appraisal report executed under our quality control and peer-review protocols.
2. Regulatory Standards & Professional Accreditation
Saudi Arabia Jurisdiction (`TAQEEM`): Real estate and asset valuation work conducted within the Kingdom of Saudi Arabia (`KSA`) is governed by the regulations of the **Saudi Authority for Accredited Valuers (`TAQEEM` - الهيئة السعودية للمقيمين المعتمدين)**. All formal appraisal reports issued in KSA strictly comply with the **International Valuation Standards (`IVS 2025`)** and Taqeem's professional code of ethics. Valuations are signed exclusively by licensed Taqeem fellows (`Fellow`) or accredited members (`Member`) with domain-specific certifications.
Regional & International Frameworks (`RICS / USPAP`): Cross-border consultancy, portfolio review, and financial valuation instructions across the Gulf (`UAE / DIFC / RERA`) and international markets (`New York / US`) are prepared in accordance with applicable professional practices, including the **Royal Institution of Chartered Surveyors (`RICS`)** red book standards and the **Uniform Standards of Professional Appraisal Practice (`USPAP`)** where specified in the client contract.
3. Limitation of Liability & No Warranties
To the fullest extent permitted by applicable territorial laws, AssetsUnion, its partners, directors, engineers, valuers, and employees shall not be liable to any party for any direct, indirect, special, incidental, punitive, or consequential damages arising from: (a) the use of or inability to use this website; (b) reliance upon any general commentary, market yield curve, or macroeconomic estimate posted on `astunion.com`; or (c) any third-party links, external data providers (`Finnhub`, `FRED`, `Sahm`), or regulatory news bulletins referenced within our pages.
4. Intellectual Property & Copyright Notice
All text, methodologies, proprietary valuation models, comparable indices, designs, graphics, code, and logos (`AssetsUnion`, `الأصول المتحدة`, and our distinctive golden accent mark) on this website are the sole and exclusive intellectual property of AssetsUnion. You may not reproduce, copy, scrape, create derivative works from, distribute, or commercially license any part of this website or our published research bulletins without explicit, prior written authorization from AssetsUnion leadership.
5. Governing Law & Territorial Jurisdiction
This Legal Disclaimer and all interactions with `astunion.com` are governed by and construed in accordance with:
• Saudi Arabia (`KSA Edition`): The laws and judicial authorities of the **Kingdom of Saudi Arabia**, with exclusive jurisdiction vested in the courts of Riyadh.
• United Arab Emirates (`UAE / DIFC Edition`): The laws of the UAE and **DIFC Law No. 5 of 2020**, with jurisdiction in the courts of Dubai / DIFC.
• US & International (`Global Edition`): The laws of the State of New York / US Federal regulations where specifically agreed upon in international mandates.
6. Regulatory & Compliance Contacts
If you have any questions concerning these terms of reliance, regulatory compliance, or formal engagement verification, please contact our Legal & Compliance Desk directly at valuation@astunion.com or visit our corporate offices at King Fahd Road, Riyadh, Kingdom of Saudi Arabia.
7. Data Sources & Attribution
Saudi market and property figures are drawn from the Saudi Exchange / Tadawul (TASI, REIT occupancy); the General Authority for Statistics — GaStat (the Real Estate Price Index); the Ministry of Justice and the Real Estate General Authority — REGA (transaction volumes and values); the Saudi Central Bank — SAMA (policy rates and the riyal peg); and the Capital Market Authority — CMA (market access). Every figure is dated to its official release and is not a live price.
Live market figures are compiled from Sahmk (TASI), Financial Modeling Prep, Finnhub, Tiingo, Alpha Vantage, Marketstack, the Federal Reserve Bank of St. Louis (FRED) and Yahoo Finance via the yfinance library. Each figure carries the date of the source reading it was taken from.
Daily currency reference rates are supplied by the public-domain currency-api project, with Rates By Exchange Rate API as a fallback. They are indicative reference rates for context only — they are not dealing rates, and no rate shown anywhere on this site constitutes an offer, a quotation or investment advice.