1. Introduction

These terms and conditions ("Terms") govern your use of our website and services (collectively, the "Services") operated by us ("we", "us", or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access or use our Services.

2. Services Description

We provide mortgage advisory and brokerage services in the United Arab Emirates. Our Services include, but are not limited to:

Mortgage advice and consultation
Mortgage application processing
Financial assessment and pre-qualification
Lender selection and application submission
Property transaction consultation
Mortgage refinancing and buyout services

3. Eligibility

To use our Services, you must be at least 21 years of age and capable of forming a binding contract with us. You must provide accurate, complete, and current information as required for our Services. We reserve the right to refuse service to anyone for any reason at any time.

4. Your Responsibilities

When using our Services, you agree to:

Provide accurate and complete information
Maintain the confidentiality of any account credentials
Notify us immediately of any unauthorized use of your account or other security breaches
Be solely responsible for all activities that occur under your account
Comply with all applicable laws and regulations
Not use our Services for any illegal or unauthorized purpose

5. Fees and Payment

Our fee structure will be clearly communicated to you prior to engagement of our Services. Fees may vary depending on the nature and complexity of the services required. In some cases, we may receive commission from lenders for successful mortgage placements, which will be disclosed to you.

Payment terms will be specified in your service agreement. All fees are non-refundable unless otherwise specified in writing.

6. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are our exclusive property and protected by international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

7. Disclaimer of Warranties

Our Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. We do not guarantee that our Services will be uninterrupted, timely, secure, or error-free. The information and services provided may contain inaccuracies or errors.

We make no representations or warranties about the suitability, reliability, availability, timeliness, or accuracy of the information, products, services, or related graphics contained on our website for any purpose.

8. Limitation of Liability

In no event shall we, our officers, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage of any nature whatsoever; (iii) unauthorized access to or use of our secured servers and/or any personal information stored therein; (iv) interruption or cessation of transmission to or from our website; (v) bugs, viruses, trojan horses, or the like, which may be transmitted to or through our website; and/or (vi) errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of our Services.

9. Indemnification

You agree to defend, indemnify, and hold harmless us and our officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from your use of and access to our Services, your violation of any term of these Terms, or your violation of any third-party right, including without limitation any copyright, property, or privacy right.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts in Dubai, UAE.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. The most current version will be posted on our website with the "Last Updated" date. Your continued use of our Services after any such changes constitutes your acceptance of the new Terms.

12. Contact Information

If you have any questions about these Terms, please contact us at:

Email: info@simplymortgage.ae
Phone: +971 4 123 4567
Address: Office 123, Building Name, Street, Dubai, UAE

Terms and Conditions