Terms of Service

1. Acceptance of Terms

By accessing or using UAEMoneyWise ("the platform"), you agree to be bound by these Terms of Service. If you do not agree, please do not use our service. You must be at least 18 years old and a resident of the United Arab Emirates (or accessing for UAE-relevant financial comparison purposes) to use this platform.

2. What UAEMoneyWise Is

UAEMoneyWise is a financial comparison platform. We provide:

• Comparison tools for credit cards, loans, insurance, and money transfers
• Financial calculators (EMI, gratuity, salary, rent, etc.)
• Educational guides on UAE personal finance
• AI-powered card recommendations based on your stated preferences

We are not a bank, financial advisor, broker, or licensed financial services provider. We do not facilitate transactions, process payments, or access your bank accounts.

3. No Financial Advice

Nothing on this platform constitutes financial advice, investment advice, or a recommendation to apply for any specific financial product. Always seek independent advice from a qualified financial advisor before making financial decisions.

4. User Accounts

You are responsible for maintaining the security of your account credentials. You must not share your login details with others. We reserve the right to suspend or terminate accounts that violate these terms.

5. Permitted Use

You may use this platform only for lawful purposes. You must not:

• Attempt to access systems or data you are not authorised to access
• Scrape or copy our data for commercial use without permission
• Use the platform to distribute spam, malware, or harmful content
• Impersonate any person or entity
• Violate any applicable UAE or international law

6. Third-Party Links & Products

When you click "Apply Now" or any external link, you leave our platform and are subject to the terms and privacy policy of the third-party site. We are not responsible for the content, accuracy, or practices of external sites.

7. Affiliate Relationships

We may receive commission when you apply for products through our platform. This does not affect the fees, rates, or terms you receive — those are set exclusively by the financial institution. See our Advertiser Disclosure for full details.

8. Intellectual Property

All content on this platform — including text, calculators, design, and code — is owned by UAEMoneyWise or its licensors. Bank logos and trademarks are property of their respective owners and are used for identification purposes only under fair use. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of Liability

To the maximum extent permitted by UAE law, UAEMoneyWise shall not be liable for any indirect, incidental, or consequential damages arising from your use of — or inability to use — this platform, or from any financial decisions made based on information on this platform.

10. Governing Law

These terms are governed by the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of the courts of the UAE.

11. Changes to Terms

We may update these terms at any time. Continued use of the platform after changes constitutes acceptance of the updated terms.

12. Contact

Questions about these terms: legal@uaemoneywise.com