Terms & Conditions
Who we are and how to contact us
loansandhomes.ae is a website (“Website”) and a trade name owned and operated by Loans & Homes Mortgage Broker LLC, a limited liability company registered in Dubai, United Arab Emirates (“we”, “us” and “our”).
We provide real estate financing services, both via the Website and offline, which may include providing professional information and insights regarding residential and commercial real estate financings, analyzing your circumstances, and providing you with an overview of options available in the market (“Services”).
“You” and “your” mean you as a user of our website, mobile application or services.
To contact us, please send an email to [email protected]
Disclosure: We are not a bank or financial institution. We provide a service whereby consultants with extensive knowledge of the residential and commercial loan market and the real estate transaction process in the UAE, impartially assess your particular circumstances and give you an overview of the options available in the market from third party mortgage providers.
You accept these terms by using the Site
These terms and conditions (“Terms”) constitute a legal agreement between us and you. By using our Website, Mobile Application or Services, you confirm that you accept these Terms and that you agree to abide by them. If you do not accept and agree to be bound by these Terms, you must not use the Website or any of our mobile applications.
These Terms include our Privacy Policy, which also applies to your use of the Site and our Services.
You may not use the Website or our Services and may not accept these Terms if (a) you are not over eighteen (18) years of age, or (b) you are a person prohibited or legally restricted from receiving or using the Website or our Services under the laws of the country in which Where you reside or from which you access or use the Website or our Services.
You are responsible for ensuring that all persons who use the Site through your network are aware of these Terms and other applicable terms and conditions, and that they comply with them.
Our services are available both online and off-site with one of our qualified consultants.
Certain parts of our Services are only available to you if you register with us through the Website by providing the requested information, which includes, but is not limited to, your email address, first name and telephone number.
We may revise these terms at any time without notice. By continuing to use this Site, our mobile application or our Services, you agree to be bound by the new terms. If you use our offline Services, you will be provided with an updated copy of the Terms.
These terms were last updated on 01/11/2023. They are effective between you and us from the date you accept these Terms and do so by default through the use of our Website, Mobile Application and/or Services.
How we process your personal information
We will only process your personal information in accordance with our Privacy Policy.
How you can use the materials on the website
We are the owner or licensee of all intellectual property rights in the Site and in the material published on it or as provided via our Services. These works are protected by copyright laws and treaties around the world. These rights are reserved.
We, together with our suppliers and licensors, expressly reserve all intellectual property rights in all text, software, products, processes, technology, content and other materials, which appear on the Website or are made available via our Services. Access to the Website or our Services does not confer and shall not be deemed to confer on anyone any license under any of our or any third party’s intellectual property rights. Any use of the Site, its contents or our Services, including copying or storing them in whole or in part (other than for your own personal, non-commercial use) is prohibited without our written permission. You may not modify, distribute or republish anything on the Site or as provided via our Services for any purpose.
Our names and logos and all related product and service names, design marks and slogans are trademarks or service marks of us or our licensors. No trademark or service mark license is granted in connection with the materials contained on the Site or through the provision of our Services.
You understand and agree that access to the Website or our Services does not permit anyone to use any name, logo or mark in any way.
You may download temporary copies of the materials (information or software) contained on the Website or provided through our Services for personal, non-commercial transitory purposes only, and you may draw the attention of others within your organization to content posted on the Website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on the Website or as otherwise stated through our Services must always be acknowledged.
If you print off, copy or download any part of the Site or Content provided to you as part of our Services in breach of these Terms, your right to use the Site, our mobile application or our Services will cease immediately and you must, at our option, return or destroy any copies of Materials in your possession whether in electronic or printed form.
You must keep your account details secure
If you decide to have an account with us, and therefore if you choose or are provided with a user identification code, password or any other information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification, code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms.
If you know or suspect that anyone other than you knows your user identification, code or password, you must notify us at [email protected]
Your responsibilities when using the site
You understand and agree that you shall not take any action or engage in any conduct that is inappropriate, illegal, or prohibited by any applicable laws on the Site, including, without limitation:
Use any automated device, software process or means to access, retrieve, scan or index the Website or any content on the Website;
Use any device, software, process or means to interfere or attempt to interfere with the proper working of the Site;
Take any action that imposes a burden or requires excessive traffic on our infrastructure which we consider to be unreasonable or disproportionate use of the Website;
Attempt to decipher, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Website;
Use or index any content or data on the Website for the purposes of: (1) creating or publishing any searchable database; (2) Building a loan information database; or (iii) compete with us in any way not specifically authorized by us;
Sending spam, chain letters, content, junk email, surveys or other mass communications, whether or not commercial in nature;
Use the Website or any content from our Website or Mobile Application or as provided via our Services in any way that we determine is unreasonable and/or not fit for the purpose for which it is provided;
Violate any person’s rights, including any copyright, trade secret, right of privacy, or other intellectual property or proprietary right;
Pretend to be any person or entity or attempt to solicit money, passwords or personal information from anyone;
Act in violation of any of the Terms or other terms imposed by us or any applicable law;
Reproduce, republish, retransmit, modify, adapt, distribute, translate, create derivative works of, adapt, display, sell, trade or exploit our Site or any content on our Site in any way, except as expressly permitted by us;
transmit or attempt to transmit any computer viruses, defects or other items in a destructive manner;
Gain or attempt to gain unauthorized access to the Website, the server on which the Website is stored, or any server, computer or database connected to the Website; or
Attack or attempt to attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
If necessary, we may take measures to prevent unauthorized access to and use of the Website, our mobile applications and/or services, including but not limited to, creating technical or organizational barriers, or reporting unauthorized or inappropriate behavior. Legal or inappropriate for any person or entity.
Your responsibilities to us
You confirm that all information provided to us or any third party is, to the best of your knowledge, true and accurate.
You will provide us or any relevant third party with any additional information relating to your mortgage application if this is required.
Unless we expressly agree otherwise in writing, you agree not to use our website for any commercial purposes
Our liability for loss or damage to you
To the extent permitted by law, we and any third party (whether or not involved in creating, producing, maintaining or providing the Website, Mobile Application or Services), any of our group companies or affiliates, officers, directors, employees, shareholders or agents for any them, excluding all liability and responsibility for any amount or type of loss or damage that may be caused to you or a third party (including, without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of funds, loss or damage arising out of or in any way connected with an interruption of business, whether in tort (including but not limited to negligence), contract or otherwise) in In connection with the Website, Mobile Application or Services in any way or in connection with the use, inability to use or results of use of the Website or any websites linked to the Website or the materials on such websites.
We do not warrant that the Site will be secure or free of errors, bugs or viruses. We will not be liable to you or anyone else for any loss or damage caused by a virus, distributed denial-of-service attack or other technologically harmful material or software data that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site or Download any content on it or any website linked to it. You are responsible for configuring the information technology, computer programs and platform to access the Website. You should use your own antivirus software.
If your use of materials on the Website results in the need for servicing, repair, or correction of equipment, software or data, you assume all costs thereof.
Make the website available to you
We endeavor to ensure that the Site is always available to you, but we do not guarantee that the Site will operate continuously, uninterrupted or error-free. Occasionally, necessary maintenance or upgrade work will require us to make the Site and Services unavailable without notice, but we aim to keep downtime to a minimum. We do not accept any liability for any interruption or loss of service. We reserve the right to change, suspend or discontinue any part of the Website, Mobile Application or Services, including your access thereto.
Compensation
You agree to indemnify and hold us and our affiliates (and our officers, agents, partners and employees) harmless from any and all losses, liabilities, claims or demands, including reasonable attorneys’ fees, arising out of or in connection with your use of and access to the Website, Mobile Application or Services.
Communicate with you
When you use the Website or Mobile Application or send us emails, you are communicating with us electronically. You hereby consent to receive any communications (including marketing communications) electronically relating to your use of our Services, Mobile Application or Website. We will communicate with you via email or other means of communication, such as WhatsApp, or by posting notices on the Website. You acknowledge and agree that all agreements, notices, disclosures and other communications that are provided to you electronically satisfy any legal requirement that such communications be in writing. All notices from us and intended for receipt by you will be deemed delivered and effective when sent to the email address or mobile phone number you provide on the website or mobile application for your account.
Taxes and Fees
We reserve the right to add VAT at the appropriate rate for our Services to any invoices issued under or in connection with these Terms and we must, if required by law, and you acknowledge and accept that you will pay and be solely responsible for any of these Terms. VAT is in addition to the purchase price of our services.
We are not responsible for the websites we link to
The Website may contain links, hyperlinks and pointers to third-party products, services and/or websites that are not affiliated with us which are provided for your information only. We have no control over, and do not warrant or assume responsibility for, the content, products or services of those sites or third-party resources. The Website may also contain advertising from third parties and we are not responsible for, and make no warranties or representations for, any misleading or inaccurate advertising which is the sole responsibility of the advertiser.
General Provisions
Any notice(s) shall be sent by email or pre-paid post to your or our last known address, in the English language.
You may not assign any part of the Services and/or your obligations under these Terms without our prior written consent.
If any provision of these terms shall be invalid or unenforceable for any reason under law, the validity and enforceability of the remainder shall not be affected.
These Terms and the documents referred to or incorporated into them constitute the entire agreement between us and supersede all prior agreements and understandings between them with respect to its subject matter.
