Expats moving to Oman should prepare themselves for a financially and culturally rewarding experience. Oman has emerged as a major economic player in the Gulf region, and is a prime example of what can be achieved when petrodollars are wisely invested in a country’s infrastructure.

The country is a gentle introduction to the Middle East as it is among the safest, most stable countries in the Gulf region, and an example to and envy of many of its neighbours.

More than a quarter of Oman’s population are expats, and although the government plans to reduce this reliance on foreign labour through stricter work visa laws, for now, job opportunities for skilled expats still abound and should be taken advantage of while the going is good.

Expats who are a little reluctant to make the move can draw encouragement from the number of expats living in Oman, as well as the promise of high salaries and low taxes. Together with a reasonable cost of living and Omani employers’ penchant for providing attractive expat salary packages, it makes financial sense for skilled expats to seek employment in Oman.

Even those expats discouraged by the idea of relocating to the desert for a year – perhaps picturing a barren, desolate and depressing landscape – will be surprised by Oman’s interesting geography. The small state on the southeastern shores of the Arabian Peninsula showcases 1,060 miles (1,700km) of sunny coastline, as well as beautiful desert riverbeds (wadis), lush coconut and banana plantations, iconic white sand dunes, terraced rose plantations and frankincense trees, as well as austere rocky outcrops.

Beyond exploring the country’s fascinating landscape, there is plenty more for expats to see and do in Oman. This is a priority for the government, as it seeks to diversify its economy through tourism.

Oman is a shopper’s paradise, and the capital of Muscat’s many open-air markets are full of wonderful things to buy and offer interesting cultural interactions, giving visitors a taste of the sights, sounds and smells of the Middle East. Alternatively, Muscat’s Corniche is a popular hangout for foreigners and locals alike, especially at dusk, and the adventurous can head into Oman’s interior to visit ancient castles and forts, or to try their hand at sand-skiing.

Despite the obvious economic benefits and the range of interesting sights and attractions, expats relocating to Oman will likely enjoy the openness and tolerance of its society and the determinedly friendly nature of its people. With such a large expat population, Omani locals are accustomed to foreigners and treat them not with suspicion or hostility, but with curiosity and a willingness to engage across significant cultural differences.

In Oman, women play a far more active and visible role in society than in many other Middle Eastern countries. Female expats report feeling comfortable in Oman and respected in their vocational pursuits.

However, even though Oman is one of the most progressive countries in the Gulf, it is a staunchly Islamic state, and expats will have to adapt their behaviour to ensure that they remain in the good graces of Omani society. Expats are encouraged to view this not as a hardship, but as an opportunity to learn about a culture different to their own, and to develop their cultural sensitivity and interpersonal skills.

ESSENTIAL INFO FOR OMAN

Population: About 4.8 million

Capital city: Muscat

Neighbouring countries: Oman is situated at the mouth of the Persian Gulf, and is bordered by the United Arab Emirates to the northwest, Saudi Arabia to the west, and Yemen to the southwest.

Geography: Oman sits at the confluence of the Persian Gulf and the Arabian Sea. Much of the country is covered by sandy desert, which makes up over 80 percent of the landmass. In the north, a narrow and fertile coastal plain fronts the Gulf of Oman and from there the land rises into the rugged Hajar Mountains.

Political system: Unitary parliamentary absolute monarchy

Main languages: Arabic is the official language, but English is also widely spoken in business circles.

Major religions: Islam

Money: The Omani Rial (OMR) is the official currency. It is divided into 1,000 baisa. Oman has an established banking system with both local and international banks offering services for expats. It is easy and straightforward for expats to open a bank account.

Tipping: In restaurants, 10 to 15 percent where a service charge has not been added. Round up taxi fare by a couple of OMR.

Emergency numbers: 9999

Transport and driving: Oman doesn’t have an extensive public transport system and most expats choose to own their own vehicle. Cars drive on the right side of the road.

SAFETY IN OMAN

Oman is one of the most stable countries in the Middle East and has been led by the widely popular Sultan Qaboos bin Said al-Said since 1970. The elected legislature, the Majlis Al Shura, remains subordinate to the Sultan who wields extraordinary executive power. However, the legislative body has been granted additional powers in recent years in line with a goal to reform the current political system.

Crime in Oman

Crime rates in Oman are low. Crimes that do occur are largely petty in nature and include opportunistic theft and bag snatching. The possibility of expats being targeted increases if they’re negligent with valuables (i.e. leave them unattended in public areas).

Expats have reported burglaries in Muscat, but the number of incidents is low and decreases further if basic residential security measures are in place.

Road safety in Oman

Driving in Oman can be dangerous. The traffic accident rate is high compared to the population, and thousands of people are killed or injured annually. The cause of accidents is mostly poor driving, speeding and disregard for basic traffic laws, including among public transport drivers. The road network is well-maintained and well-lit in major cities and along major highways.

The standards of roads and lighting in secondary towns and roads are poor and drivers considering travelling in these areas should rather do so during the day. Travel at night in rural areas is made more dangerous by wandering livestock.

Expats driving in Oman should note that in light of the high number of accidents, traffic laws are strictly enforced and stiff penalties are in place for speeding, driving through red traffic lights and other offences. Penalties can include mandatory jail sentences and heavy fines.

Weather hazards in Oman

Oman is occasionally affected by tropical storms or cyclones. The storm systems typically dump high amounts of rain on the country, which result in severe flash flooding. Approaching storms are usually well publicised and expats should heed any and all advice from authorities. Caution is advised in wadis (dry river beds) and near the coastline during tropical storms due to the threat of flash flooding and coastal storm surges.

COST OF LIVING IN OMAN

Expats will find the cost of living in Oman more reasonable than that of many of the neighbouring Gulf Cooperation Council (GCC) countries, and income is generally tax-free. Prices are highest in Muscat, but although costs can be lower outside of the city, choice is also more limited. According to the 2017 Mercer Cost of Living Survey, Muscat ranks 117th out of 209 cities.

Expat packages in Oman for highly skilled Western workers still seem to be generous and tend to offer good salaries, accommodation, a car, bonuses, flights home and medical insurance. However, as comprehensive as these contracts seem, there are always unforeseen costs. Watch out for the added cost of work visas and related health checks – for a family of four this can be fairly high. School fees are also a big add-on cost. But the real financial issue in Oman is the relative job insecurity, rather than the pay package or the cost of living.

Contrary to many of its nearby oil-rich counterparts, Oman does not draw on expats from abroad to comprise its primary workforce. Instead, it looks to locals to occupy most middle management positions, some senior management positions and even many low-paying jobs: fishermen, taxi drivers, shopkeepers, bank clerks. Expats tend to work in senior positions as directors or in sectors where there are skill shortages, such as in the healthcare and education fields.

Even then, though, most contracts are for three years, and if an Omani can fill a post, the contract can be terminated. Expats also tend to encounter considerable uncertainty towards the end of a contract. The government’s pointed Omanisation programme, which aims to educate and train local people for the senior positions that are traditionally held by expats, has put the authorities under increased pressure to speed up the process of filling the posts with Omanis. Thus, contract renewal is not a given, and a major cost of living in Oman is the fact that an expat might be out of a job in a short amount of time.

There are also a number of low-income, low-productivity expat jobs – maids, gardeners, builders – typically filled by Asian labourers.

Cost of accommodation in Oman

The market has eased considerably since its peak, and now accommodation prices are coming down – like elsewhere in the Middle East. There are a lot of new homes being built, and expats will be able to find a place that fits their budget, mood and style.

Costs vary according to size, facilities and area. Utilities, such as water, gas and electricity, are generally excluded in the quoted rental price. Accommodation is normally unfurnished.

Rent in Oman is paid annually in advance, rather than monthly. This is a huge lump sum; although, expats can normally get a loan from their employer. Do note, if one leaves before the year is out, the money is not refundable.

Cost of transport in Oman

Cars

The cost of using a car in Oman is much cheaper than in Europe. As a result, virtually every expat drives and few use public transportation. It’s also possible to hire a car with a driver in Oman.

Taxis 

Taxis are also good value; unfortunately, though, they rarely have a meter. Drivers sometimes quote close to the real price, but more often the prices can be incredibly far-fetched.

Buses

For those who want to make every penny count, those who don’t have a car or those who want to experience local atmosphere, there are ‘baisa’ buses operating throughout Muscat. This mode of transit is largely used by the lowest paid workers.

Similarly, coaches can be a good way of travelling long distance, such as journeys to Sohar, Dubai and Abu Dhabi.

Cost of food and drink in Oman

European expats will find the cost of food and drink in Oman cheaper, while Americans may find it more expensive. Regardless, though, if one is willing to consume local products, it will be possible to save money.

Alcohol

Buying alcohol in Oman can be complicated and costly. As it’s a Muslim country, licences are required to buy booze from an off-licence shop, and the price of this piece of paperwork is set according to how much one intends to buy each month. Furthermore, one’s employer has to provide permission, and the quantity of alcohol one is allowed to purchase is related to a person’s salary.

Entertainment

Eating out can be costly, and if wanting a drink, one is forced to frequent expensive Western-style hotels. Luckily, there are a number of discount arrangements which means expats rarely pay full price. If a person doesn’t mind foregoing the booze, there is a wide range of independent ‘dry’ establishments, where the food is excellent and reasonably priced.

Sadly, tourist activities are highly overpriced. On the flip side, though, beach activities cost next to nothing. There is snorkelling, sunset cruises or dolphin sightings available to expats. The boats are usually well maintained and the crew knowledgeable.

Other entertainment is not costly. Cinema tickets are relatively cheap. Beaches and parks are free. The Royal Opera House is a must-see, and the price and performances are internationally competitive.

Cost of healthcare in Oman

Most companies offer health insurance to the family as part of the employment package. However, there are often exclusions, such as mental health and dentistry, and some insurance policies do not provide coverage for the health centres expats prefer, such as Muscat Private Hospital and Medident. This means most people end up paying some health costs irrespective of insurance. These can add up quickly.

Cost of schooling in Oman

The cost of schooling is a huge expense if the company does not pay – especially if an expat has several children. There is no free education for expats in Oman, and most schools demand that fees are paid prior to the first day of the term. Some institutions require expats pay a refundable deposit.

Cost of living in Oman chart

(Note that prices may vary depending on location and service provider and the table below is based on average prices for Muscat in October 2018)

Accommodation (monthly rent)
Unfurnished two-bedroom villa	OMR 800
Unfurnished two-bedroom apartment	OMR 550
Groceries
Milk (1 litre)	OMR 0.65
Dozen eggs	OMR 1.00
Loaf of white bread	OMR 0.45
Rice (1kg)	OMR 0.75
Pack of chicken breasts (1kg)	OMR 2.30
Pack of cigarettes	OMR 1.20
Eating out
Big Mac Meal	OMR 2.50
Cappuccino	OMR 1.85
Three-course meal for two at mid-range restaurant	OMR 20
Utilities
Mobile call rate (minute-to-minute)	OMR 0.10
Internet (uncapped – average per month)	OMR 29
Utilities (gas, electricity, water – average per month)	OMR 22
Transport
City centre bus fare	OMR 0.30
Taxi (rate per km)	OMR 0.20
Petrol (per litre)	OMR 0.20

BANKING, MONEY AND TAXES IN OMAN

Money in Oman

The currency used in Oman is the Rial (OMR), which is divided into 1,000 baisa.

• Notes: 100 baisa, 1 OMR, 5 OMR, 10 OMR, 20 OMR, 50 OMR

• Coins: 5 baisa, 10 baisa, 15 baisa, 20 baisa

Oman is primarily a cash-based society, with a general distrust for cheques and an aversion to using credit cards for anything but very large purchases.

Banking in Oman

Along with the Central Bank of Oman, trustworthy local banks include Bank Dhofar, Bank Muscat, National Bank of Oman and Oman Arab Bank. There are also a host of foreign banks with branches in Oman. Many of these offer multilingual services, and expats are advised to look to one of these institutions when opening an account.

Another option is for expats to open an international (multi-currency) account for use in Oman through a bank in their country of origin. International accounts can be opened before leaving home and will provide access to a wide range of international banking services, such as high-interest savings options and online money transfer services. Many expats report that they prefer the convenience and security of having their finances centralised in this way.

Opening hours for banks in Oman are 8am to 12pm and 2.30pm to 6pm from Sunday to Thursday, and from 8am to 11.30am on Fridays. During Ramadan, banks usually open an hour later in the mornings (at 9am).

Opening a bank account

Opening a bank account in Oman is a straightforward exercise for expats, provided they are eligible to do so. An applicant must be in possession of a residence visa and a clearance letter or No Objection Certificate (NOC) from their employer. The NOC must state the expat’s monthly salary, as this will indicate to the bank the figure that will regularly be paid into an Omani account. Note that it is sometimes easier to open a bank account in Oman with an employer’s bank, as any problems with the payment of salaries can be sorted out with maximum efficiency.

In addition to copies of a residency visa and a No Objection Certificate from the employer to open a bank account in Oman, expats must appear in person at the bank in possession of a number of documents, such as their passport and proof of address.

ATMs and credit cards

ATMs are widespread, and most of them will accept international cards. Omani bank cards can be used at any ATM, but withdrawals may be subject to fees if using a machine operated by a different bank. Drawing cash using a credit card will also incur a fee.

Visa and MasterCard credit cards are accepted everywhere; American Express and Diners Club less so.

Overdraft facilities are available in Oman, but a general distrust of foreign account holders prevails, so expats may be called in to explain large discrepancies. Do not bounce a cheque in Oman, even if it is an honest mistake, it could lead to dire consequences.

Taxes in Oman

One of the great incentives for expats moving to Oman is that there is no personal or income tax levied against monthly salaries. There are no tax forms to be completed, and no returns to file with the Ministry of Finance. The only possible deduction from an Omani salary will be a 6.5 percent contribution to a social security fund for welfare benefits and old age pensions, but some employers waive this obligation too.

Expats are strongly advised to research whether a double taxation avoidance agreement (DTAA) exists between Oman and their country of origin. If no such agreement exists, they will have to pay tax in their country of origin on the money they earn in Oman.

TRANSPORT AND DRIVING IN OMAN

Oman does not have a comprehensive public transport network and most expats living in the country often choose to own a car or have one provided to them, along with a driver, by their company.

Oman has a good network of paved roads and a duel-carriageway connecting Muscat to most major cities and towns, making driving relatively easy.

Buses

There are several long-distance bus services across Oman, with daily departures between Muscat and a number of towns and cities, including Zizwa and Salalah, as well as services to Abu Dhabi and Dubai.

The main buses in Muscat are the Baisa buses. These are red in colour and serve all major roadways in the city. Baisa buses are relatively inexpensive and operate by dropping off and picking up passengers at any location.

There is also a network of public buses in Muscat, which are red and green. These are limited to major roadways and operate along specific routes.

Taxis in Oman

Licenced taxis, which are painted orange and white, operate throughout Muscat. Although fares are generally good, taxis in Oman don’t operate with a meter so expats should negotiate a fare before embarking on a journey.

Driving in Oman

Due to affordable petrol prices and low taxes on imports, expats will find that owning a car in the Sultanate is relatively cheap. It’s also possible to rent a car with a driver. Most expats in Oman own or rent a car and rarely use public transport.

Traffic drives on the right. Expats driving in Oman should note that traffic laws are strictly enforced. There is a zero-tolerance policy for driving under the influence of alcohol, on-the-spot fines apply for talking on a cell phone while driving, and speeding cameras are common.

Air travel in Oman

Oman’s main international airport is Muscat International Airport, which is located about 20 miles (30km) from Muscat. Taxis and buses are available from the airport. Oman Air is the national carrier and offers flights between Muscat International and the country’s other main airport at Salalah. Other airlines that fly in and out of Oman include Gulf Air, Emirates, Etihad and British Airways.

HEALTHCARE IN OMAN

The standard of healthcare in Oman is high thanks to government investment in the national health service over the past few decades. Both public and private medical facilities provide a good standard of care, with the largest and best facilities located in Muscat.

Most of Oman’s medical doctors and staff are expats themselves. However, with the government’s policy of Omanisation, this is slowly changing, and Omani nationals are being encouraged into the medical field.

Medical treatment in Oman can be expensive and facilities may expect payment upfront. Expats should ensure that they have comprehensive private medical insurance to cover any healthcare issues during their stay in Oman.

Public healthcare in Oman

Omani nationals and those from other Gulf Cooperation Council (GCC) countries receive free medical treatment in public hospitals in Oman. Expats are expected to pay, and are generally only permitted to use public hospitals in the case of an emergency, or where diagnosis or treatment of their ailment is not available in the private sector.

Expats working in the government sector and their dependents may also receive free medical care in public hospitals. The most respected public hospitals in Oman include the Royal Hospital of Oman and the Sultan Qaboos University Hospital, both in Muscat.

Private healthcare in Oman

Expats generally use private healthcare facilities in Oman. There are a number of excellent private hospitals in Oman, with many of them being compared to five-star hotels in terms of services and facilities. The costs are comparable to this as well. Muscat Private Hospital is the largest private hospital in the city and is staffed by Western and Asian trained physicians. Starcare Hospital and Atlas Hospital are two other popular private hospitals in Muscat.

There are also private medical facilities in Oman which specialise in homoeopathy, Chinese and traditional Hindu Ayurvedic medicine.

Pharmacies and medicines in Oman

Pharmacies are widely available in Oman. Many are open 24 hours a day, and hospitals also have pharmacies operating around the clock. Many Western medicines are available in Oman.

Painkillers and cough medicines are usually available in supermarkets. Expats must keep the receipts for any prescription medicines if intending to claim back from their medical aids.

Health insurance in Oman

Companies in Oman are not obliged to provide health insurance to their expat employees, though some do. Expats should, therefore, ensure that they have private medical insurance as medical expenses can prove costly. Those who don’t possess a comprehensive medical insurance plan or the means to settle any medical charges may be prevented from leaving Oman until all their bills are paid.

Health hazards in Oman

Heat stroke and exhaustion, sunburn and dehydration – all related to the extreme temperatures in Oman – are common medical ailments affecting expats. Expats should always keep well hydrated.

Emergency services in Oman

The ambulance service in Oman is relatively new, so the fleet of trained staff and vehicles is small. It’s not uncommon for Omanis and expats to use their own vehicles or a taxi to get to a hospital in an emergency. Although most emergency personnel can speak English, it’s wise to learn a few key phrases in Arabic.

VISAS FOR OMAN

Expats will be relieved to know that the process of securing a visa for Oman is relatively hassle-free. Tourist visas for Oman are especially easy to come by, and although the process of securing employment visas for expats requires a lot of paperwork, most of this is undertaken by the expat’s Omani employer.

Tourist visas for Oman

Nationals of countries on a designated list are able to obtain single-entry tourist visas or multiple-entry business visas for Oman.

Nationals of these countries are generally able to get a single- or multiple-entry visa for Oman by merely presenting their passport and filling in an application form at their point of entry. A passport valid for use within six months from the date of the visa’s issuance is required, and it is a good idea to also show proof a return ticket, to show intention to leave Oman within a reasonable time frame.

Employment visas for Oman

Expats looking to live and work in Oman will require an employment visa, which can only be obtained in partnership with a sponsoring Omani employer. Thus, it’s necessary to have a job before applying for this visa.

Although the application process for this visa demands a significant amount of paperwork, the good news for expats is that the administrative burden of application falls largely on the shoulders of their Omani employers.

Due to the fact that a prospective employer invests so much in helping the prospective employee obtain the employment visa, it is very difficult to change jobs while in Oman. In order to do this, expats will need a No Objection Certificate (NOC) from their employer; or else will need to leave the country for a period of at least two years and start the employment visa application all over again.

Employment visas are valid for two years, and allow for multiple entries.

As part of its programme of Omanisation, Omani authorities are becoming increasingly strict about the employment of foreign nationals, who require significant skills and employment experience to be assured of being granted an employment visa. In some cases, the authorities will need to be convinced that a position could not adequately be filled by an Omani citizen. If a visa application is denied, applicants are not entitled to an explanation from the consular authorities.

Family joining and family residence visas for Oman

Family joining and family residence visas are granted to the spouses of holders of Omani employment visas as well as to their children, provided they are younger than 21 years old. These visas are valid for two years and allow for multiple entries.

Family joining visas are applied for when families are travelling to Oman to join their spouse who is already working there, while family residence visas may be applied for while both parties are still in their home country.

The process is much the same: expats will require a sponsor to act on their behalf, and will need to supply certified copies of marriage certificates to prove their status as a ‘family unit’. The family joining visas are generally easier to procure, as the spouse who is already in Oman (on an employment visa, and possessing a resident card) can easily prove their legal right to reside in the country.

ACCOMMODATION IN OMAN

There has been a growth in residential development in recent years and expats looking for accommodation in Oman will have a variety of options to choose from.

Most expats in Oman live in the capital city, Muscat, and the towns that encompass the capital region, including Ruwi, Muttrah and Qurum.

Types of accommodation in Oman

Most expat accommodation in Oman is in the form of apartments, standalone villas or townhouses, often within a secure housing compound. Most homes are new and well maintained, although there have been complaints of poor construction standards and neglectful landlords.

Accommodation for expats in Oman is mostly unfurnished, although furnished options are also available. Costs vary according to the size, facilities and area of a property.

Facilities in apartment blocks often include gyms, swimming pools and a laundry, while villas normally have maids’ quarters and a garden, too. Expat housing compounds usually also offer amenities such as restaurants, shops, swimming pools, tennis courts, and even golf courses.

Finding accommodation in Oman

Employers in Oman often provide accommodation for their expat employees or include a housing allowance as part of the employment package for their foreign workers. Expats should factor this into their contract negotiations.

For those seeking accommodation without their employer’s assistance, there are a number of online property portals to choose from. A safer option is to use the services of a real estate agent, who will be able to speak the language and understand the local nuances of the Oman property market.

Renting property in Oman

Most expats rent accommodation in Oman. Rental agreements are generally for one year, and the lease is negotiable. If a company is paying for the accommodation, the deposit is sometimes waived as the rent for the entire lease period will usually be paid up front.

Utilities such as water, gas and electricity are generally excluded from the quoted rental price. It’s important to read the rental agreement carefully as this will outline what maintenance and utilities the tenant is responsible for and what charges the landlord is responsible for.

LIFESTYLE IN OMAN

Situated in the southeastern quarter of the Arabian Peninsula, Oman is widely considered to be the friendliest Gulf state to live and work in. As such, the expat population comprises almost a third of Oman’s total population.

Muscat is the most developed and Westernised city in Oman with lots of shopping malls, restaurants, bars, sports clubs and entertainment venues. There is a particularly large expat population in the city and many expats run social clubs or organisations for their compatriots.

Towns in the rural areas are less cosmopolitan, and shopping, cuisine and entertainment experiences are likely to be less Westernised. However, even small towns often have large expat groups and expat social events.

Outside the main towns and cities, Oman’s diverse range of geographical features, including rugged mountain ranges, unspoilt wadis and desert sands, also allow expats to enjoy a range of adventure activities like camping, swimming and dune riding.

Nightlife in Oman

Muscat offers the best opportunities for nightlife in Oman, but expats may find their choice of nightspots is still somewhat limited. For one thing, this means the few places one can go to are invariably quite busy, even on weekdays. Many nightclubs are linked to hotels and cater to a range of eclectic musical and cultural tastes.

Restaurants in Oman

Smaller towns in Oman are often extremely limited when it comes to the choice of restaurants on offer; expats will probably have a choice of Asian or Turkish cuisine. But for those who enjoy a diverse range of dining options, one can get just about any cultural food experience in Muscat.

Expats craving something familiar will find a number of global franchises, particularly in the capital city, but also increasingly in smaller towns.

INTERNATIONAL SCHOOLS IN OMAN

With a diverse expatriate community, there are many international schools in Oman. Expats will find that most of these are based in the capital, Muscat, and the majority of these schools offer the British or American curriculum, with many also offering the International Baccalaureate programme.

Below is a list of recommended international schools.

ABA (formerly The American-British Academy)

Gender: Co-educational
Curriculum: International Baccalaureate
Ages: 5 to 18
Website: www.abaoman.org

Al Batinah International School

Gender: Co-educational
Curriculum: International Baccalaureate
Ages: 3 to 18
Website: www.abisoman.com

The American International School of Muscat

Gender: Co-educational
Curriculum: American
Ages: 3 to 18
Website: www.taism.com

British School Muscat

Gender: Co-educational
Curriculum: Cambridge IGCSE and A-Levels
Ages: 3 to 18
Website: www.britishschoolmuscat.com

Knowledge Gate International School

Gender: Co-educational
Curriculum: Cambridge IGCSE and A Levels, Omani National Curriculum
Ages: 3 to 19
Website: www.kgis-edu.com

Muscat International School

Gender: Co-educational
Curriculum: Cambridge IGCSE and A-Levels, Omani National Curriculum
Ages: 3 to 18
Website: www.misoman.org

2020 © The above information mentioned is as per the research done by “Universal Ally” the accuracy of the information may change according to the change in the market, we do not accept any responsibilities for loss or inconvenience to any person as a result of information contained above.