Terms & Conditions
Last updated: May 26, 2025
Important Legal Notice
These terms and conditions are governed by UAE law. We operate under UAE regulations and Central Bank of UAE guidelines. By using our services, you agree to comply with all applicable UAE laws and regulations.
1. Acceptance of Terms
By accessing or using our services ("Company," "we," "our," or "us"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services.
These Terms constitute a legally binding agreement between you and us, a company incorporated and operating under the laws of the United Arab Emirates.
2. Services Description
We provide:
- Mortgage consultation and advisory services
- Property finance guidance
- Assistance with mortgage applications
- Financial planning advice related to property purchases
Important: We are a consultation service and do not directly provide loans or mortgages. All lending decisions are made by licensed financial institutions.
3. Eligibility and Requirements
To use our services, you must:
- Be at least 18 years of age
- Have legal capacity to enter into contracts under UAE law
- Provide accurate and truthful information
- Comply with all applicable UAE laws and regulations
- Meet eligibility criteria as determined by relevant financial institutions
4. Financial Disclaimers
Important Financial Disclaimers:
- • No Guarantee of Approval: We cannot guarantee mortgage approval or specific terms from any lender
- • Rate Variations: Mortgage rates are subject to change and depend on individual circumstances, market conditions, and lender policies
- • Individual Assessment: All rates quoted are indicative and subject to lender's assessment of your financial situation
- • Regulatory Compliance: All mortgages are subject to UAE Central Bank regulations and lender-specific policies
- • Professional Advice: Our advice is general in nature; you should seek independent financial advice for your specific situation
5. User Responsibilities
You agree to:
- Provide accurate, complete, and up-to-date information
- Maintain the confidentiality of any account information
- Use our services only for lawful purposes
- Comply with all applicable UAE laws and regulations
- Respect intellectual property rights
- Not engage in any activity that could harm our systems or services
6. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which complies with UAE Personal Data Protection Law.
By using our services, you consent to the collection and processing of your personal information as described in our Privacy Policy.
7. Limitation of Liability
To the maximum extent permitted by UAE law:
- We provide our services "as is" without warranties of any kind
- We are not liable for decisions made by third-party lenders
- We are not responsible for changes in market conditions or interest rates
- Our liability is limited to the fees paid for our services
- We are not liable for indirect, consequential, or punitive damages
8. Regulatory Compliance
UAE Regulatory Framework:
- • We operate in compliance with UAE Central Bank regulations
- • All mortgage products are subject to CBUAE prudential regulations
- • We adhere to anti-money laundering and know-your-customer requirements
- • Consumer protection laws and regulations apply to all our services
- • Dispute resolution follows UAE legal procedures
9. Intellectual Property
All content, materials, and intellectual property on our website and in our services are owned by us or our licensors. You may not use, copy, or distribute any content without our prior written consent.
10. Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason, including violation of these Terms or applicable laws.
11. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from these Terms or our services shall be resolved through:
- Good faith negotiations between the parties
- Mediation, if negotiations fail
- UAE court system, as a last resort
12. Updates to Terms
We may update these Terms from time to time. We will notify you of significant changes by posting the updated Terms on our website with a new effective date. Continued use of our services after such changes constitutes acceptance of the updated Terms.
13. Contact Information
For questions about these Terms or our services, contact us:
Regulatory Notice: We are committed to operating in full compliance with UAE laws and regulations. These Terms form part of our regulatory compliance framework and are regularly reviewed to ensure continued compliance.