Conflict of Interest Policy

Maharat Al-Eddekhar Fintech Holding Company ("the Company"), operator of the Eddekhar platform, holds a FinTech Experimental Permit from the Capital Market Authority to test robo-advisory services. During the permit period it complies with the Additional Regulatory Requirements and with Article 41 of the Capital Market Institutions Regulations. We publish this page as a public disclosure under Section 7 of the Additional Regulatory Requirements.

What is a conflict of interest?

Any situation in which the Company, its owners, directors, executive management or employees have a personal or financial interest, or an outside relationship, that could affect objective decisions that put the client’s interest first.

Who does the policy apply to?

The Company, its board of managers, executive management, owners and all employees, and contractors who perform material client-related tasks.

Main potential conflicts

• Commissions, incentives or payments linked to funds or securities we invest in.
• Steering clients to programmes that earn the platform more, regardless of suitability.
• The robo-advisor’s algorithm being influenced by a commercial relationship with a provider.
• Using client information for the benefit of the Company or anyone else.
• Employees’ personal dealing, gifts and benefits from third parties, and outside interests.
• Relationships between owners, directors or executive management and service providers or managers of the funds we invest in.

How we avoid conflicts and manage those we can’t avoid

• Avoidance comes first; investment decisions follow documented objective criteria.
• We separate duties and restrict access to confidential information through defined barriers and permissions.
• Employees’ personal dealing is subject to prior approval, disclosure and monitoring under Article 50 of the Capital Market Institutions Regulations.
• We prohibit cash incentives from third parties and control the acceptance of gifts and benefits.
• Owners, directors, executive management and employees disclose their interests on appointment, annually, and whenever they change.
• Where a conflict can’t be avoided, we exclude the person concerned from the decision, apply independent oversight, disclose it to the client, or stop providing the affected service.

Disclosure to you

If an actual or potential conflict affects a service we provide to you, we disclose it to you in writing before providing that service and obtain your written acknowledgement. We proceed only with your consent. Every case is recorded in a dedicated register kept for ten years.

Current disclosures (Section 7(a) of the Additional Regulatory Requirements)

Last updated: 28 October 2026

1. 1Amounts or compensation paid to any related party who refers or introduces securities in which the Company intends to invest client money, or payments received by the Company or any party within it for investing in those securities: None.
2. 2Other conflict-of-interest cases set out in the Company’s policies and procedures: None.
3. 3Any interest between members of the board of managers or executive management and the managers of the investment funds or securities in which the Company invests client money: None.

Review and contact

We review the policy annually, and whenever a regulatory change or material case arises. We update this page whenever the policy changes or a case arises that must be disclosed. Questions:

[email protected]

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