Terms and Conditions

Definitions. “Buyers” means home buyers, property buyers and real estate buyers who create an account on our Platform for the purpose of receiving the Services. “Data” means any information and data of any kind you share with us through the Platform. “Platform” means the platform we provide whereby you can access the Services. “Product” means any third-party product or service that we display on our Platform. “Quote” means a rate provided by a Service Provider for comparison with other quotes on the basis of the information provided by the Buyer. “Service Provider” means banks, building societies, financial institutions and financial lenders licensed, regulated and operational in the UAE whose services and products are listed on our Platform.

Third-party terms. Certain features of our Platform or the Services are subject to additional terms and conditions from third parties and Service Providers. It is your responsibility to inform yourself of a Service Provider’s terms before availing a Service, including their terms regarding payment, cancellation and liability. Such terms form an integral part of these Terms and Conditions and may be enforced against you by that third party.

Licence to use. We grant you a non-transferable, non-exclusive, revocable, limited licence to use and access our Platform in accordance with these Terms and Conditions, and reserve the right to revoke any or all such authorisations at any time.

Lawful purposes. You agree to use our Platform and the Services for lawful purposes only, in a way that does not infringe the rights of any third party, Buyer or Service Provider, or restrict their use and enjoyment of the Platform.

We reserve the right, at any time and without prior notice, to suspend or discontinue our Platform or the Services in whole or in part, delete related accounts, and amend these Terms and Conditions to reflect changes in technology, payment methods, applicable laws and regulatory requirements, system capabilities and market conditions affecting our business.

We have no obligation to provide support or maintenance in connection with our Platform. We also cannot guarantee that no viruses or other harmful code are embedded in our Platform; it is your sole responsibility to ensure your device is adequately protected.

These Terms and Conditions remain valid at all times during your use of our Platform and the Services, and apply each time you open an account, avail or book a Service, or otherwise access our Platform.

This Platform is intended for use only by UAE residents. If you choose to use the Platform from locations outside the UAE, you do so at your sole risk.

Lenddoo provides an online platform to connect Buyers with Service Providers. We offer an independent digitised mortgage rate comparison service enabling Buyers to research and compare mortgage rates offered by third parties.

We do not provide financial, investment or other advice in relation to the Products or Services compared, and we do not endorse Service Providers. We do, however, recommend packages and products on our comparison page.

Our Platform allows Buyers to apply for mortgage pre-approval, upload the required documents and obtain the pre-approval in digital format. It also facilitates an online payment gateway for Buyers to pay a Service Provider’s invoice for a property valuation letter. We have no control over those charges, and funds received are deposited to the relevant Service Provider’s account.

Lenddoo’s Services are free to use for Buyers. We receive a fee and/or commission from the Service Provider when a Buyer uses our Services to purchase their products.

By providing you with a Quote we are not making an offer on behalf of the Service Provider. By submitting your details, you are making an offer to purchase the relevant product from the Service Provider on the terms set out, and the contract is concluded once your offer has been accepted.

To access our Platform as a Buyer you must create an account, complete the required registration, be legally capable of entering into binding contracts, and be 21 years of age or over.

You are responsible for the accuracy of the information you submit. All information must be provided in good faith, be true and accurate in all material respects, and not misleading. You should review this information regularly. We reserve the right to remove or suspend accounts that are not truthful, and we are not liable for costs, expenses or liabilities incurred by you due to inaccurate information.

All information and interactions made through your account must be appropriate, factual and professional. You must comply with applicable laws, must not infringe any intellectual or proprietary rights, must not impersonate any other person or provide false or misleading information to a Service Provider, and must not be offensive, illegal or inappropriate in any way.

You are responsible for keeping your login information secret and secure, and you remain responsible for all activity occurring through your account. You may not use anyone else’s account or set up more than one account for yourself. We reserve the right to reject or approve any request to create an account, and to suspend or delete your account at our sole discretion.

We do not under any circumstances guarantee the accuracy, reliability, quality, availability or sustainability of any Service Provider or the Services and/or Data provided by them. Buyers and Service Providers should exercise caution and common sense when interacting with each other and remain responsible for protecting themselves and their property, including any Data, at all times.

A Buyer who has used the Service of a Service Provider may leave feedback about that Service Provider through the methods provided. Should you have a complaint or comment about a Service Provider, you can submit it to us in writing.

Lenddoo’s technology matches Buyers with the personalised mortgage terms that fit their profile. After selecting their preferred mortgage, Buyers can view their mortgage payment breakdown and adjust their down payment or loan term if needed.

Lenddoo facilitates the mortgage pre-approval stage by allowing Buyers to upload the required documents on the Platform and submit them to Lenddoo. We then send the profile and uploaded documents to the selected Service Provider for analysis.

You will need to answer a number of questions in order to compare or obtain a Quote. These questions are designed to ensure that we and all Service Providers have the information necessary to provide appropriate and timely information about the Products you are interested in. It is very important that you answer all questions truthfully, completely and accurately and disclose all relevant facts — failure to do so could invalidate the Service and/or Product made available to you.

We pass on the information you provide to Service Providers for the purpose of providing a rate comparison and applying for a mortgage pre-approval. It is your responsibility to identify and correct any mistakes or errors in that information before obtaining any Product or applying for pre-approval.

Assuming your pre-approval application is successful, you will receive a digital pre-approval letter, notification on arranging for property valuation, and an option to pay the Service Provider’s invoice for the property valuation letter via Lenddoo.

The Products, rates and prices displayed on our Platform are not provided by us but by third parties over whom we have no control. You should always check the suitability, adequacy and appropriateness of any Product of interest to you, and seek independent professional advice if you are in any doubt. The Platform covers a wide range of Products, but other products may be available in the market that are not shown and that may be more suitable for you.

We make no representations, guarantees or warranties with regard to the quality of the services provided by Service Providers, nor the accountability of the parties.

Buyers and Service Providers are independent contractors and we have no control over, nor accept any responsibility for, them in any way, including for any Data disclosed. You agree to indemnify and hold us, our affiliates, officers, employees and agents harmless from all claims and demands, including reasonable costs and attorneys’ fees, arising out of your use of our Platform and the Services, your violation of these Terms and Conditions or any third-party or Service Provider terms, or your violation of applicable laws and regulations.

We are not responsible for any liability, cost, expense, loss or damage, including to property or person, caused by a Service Provider, a Buyer or any third party for any reason, including any Data disclosed by a Service Provider.

You agree to pay any fees and charges incurred by you in accordance with the payment provisions set out on the Platform. In general, payment for a Product is made directly to the Service Provider when applying for that Product.

Where full payment for a Product is required on the Platform — for example, for a property valuation letter — it should be made in the secure area of the Platform at the time of application. Payment methods other than those stated on the Platform will not be accepted. We may charge handling fees that we or the relevant Service Provider incur in respect of your application, and will always inform you of such charges before they are incurred.

When you apply and pay for a property valuation letter through the Platform, you receive the Service pursuant to these Terms and Conditions as well as the Service Provider’s terms and conditions, including their cancellation policy, payment terms and terms of liability. Any contract entered into will be between you and the Service Provider.

Our Platform servers and systems are secured and encrypted, and we work to ensure all Data provided remains secure and private.

You acknowledge that we may share your Data with Service Providers to enable us and them to provide the Services. We require Service Providers to handle Data confidentially and not to disclose it to third parties except as necessary for the purposes of the Services; however, we are not liable in the event Data is disclosed by a Service Provider to a third party.

All intellectual property rights, including copyrights, patents, trademarks and trade secrets, in our Platform and its content are owned by us or our suppliers. Neither these Terms and Conditions nor your access to or use of our Platform transfers to you or any third party any rights, title or interest in such intellectual property, except for the limited access rights expressly granted above. We reserve all rights not granted, and no implied licences are granted by your use of our Platform.

Our Platform may contain links to third-party websites and services and/or display third-party advertisements. We do not review, approve, monitor, endorse, warrant or make any representations with respect to them and expressly disclaim all liability in relation to them. Your use of any third-party service, link or advertisement is at your own risk, and additional terms — including the third party’s privacy and data-gathering practices — are likely to apply.

Your interactions with other Platform users and third parties are solely between you and them. We accept no responsibility for any loss, damage, cost or expense arising from those interactions, including between Buyers and Service Providers, and we are under no obligation to become involved in a dispute.

Our Platform and all information on it is provided on a strictly “as is” basis. We expressly disclaim all warranties and conditions of any kind, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy and non-infringement. We make no warranty that our Platform or the Services will meet your requirements or expectations, or will be available on an uninterrupted, timely, secure and error-free basis. Where applicable law requires warranties, they are limited in nature and duration to the minimum imposed on us by law.

To the maximum extent permitted by applicable law, we accept no liability to you or any third party for loss of profits, loss of data, costs of procurement of substitute goods, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or in relation to these Terms and Conditions, your use or inability to use our Platform and/or the Services, or the disclosure of Data to or by Service Providers. Access to and use of our Platform is strictly at your own risk.

To the maximum extent permitted by law, our maximum aggregate liability arising from or in relation to these Terms and Conditions, your use of our Platform and/or the Services, for any cause and in any form of action, is limited to fifty US dollars (USD 50.00). The existence of more than one claim will not enlarge this limit. Our suppliers have no liability arising from or relating to these Terms and Conditions.

We will not be liable for any breach of these Terms and Conditions caused by any event beyond our reasonable control, including acts of God, explosions, floods, tempests, fires or accidents; war, sabotage, insurrection or civil disturbance; acts, restrictions, regulations or laws of any governmental or local authority; import or export embargoes; strikes, lock-outs or other industrial action; difficulties in obtaining materials, labour, fuel, parts or machinery; or power failure or breakdown in machinery.

These Terms and Conditions remain in full force and effect for the entire time that you use the Platform or receive the Services. We may suspend or terminate your rights to use our Platform or the Services at any time, for any reason, at our sole discretion. Upon termination, any account you have with us and any right to access our Platform or book Services terminates immediately, and we are not liable in any way for that termination. Clauses covering exclusions of liability, data sharing, intellectual property, third-party services, disclaimers, limitation of liability, termination and governing law remain in effect after termination.

These Terms and Conditions are governed by and construed in accordance with the laws of Dubai, United Arab Emirates, for the time being in force.

All claims and disputes in connection with these Terms and Conditions, excluding claims for injunctive or other equitable relief, shall be amicably resolved between us within ninety (90) days from the date thereof. Failure to reach an amicable settlement shall cause the dispute to be referred to and finally settled by the Dubai International Financial Centre (DIFC) courts.

Survival. These Terms and Conditions survive the termination of your account with us for a period of five (5) years from the date you last visited our Platform.

Electronic communications. All communications between us and you will be in electronic form. You consent to receive communications from us electronically and agree that all terms, agreements, notices and disclosures provided electronically satisfy any legal requirement that such communications be in hardcopy. This does not affect any non-waivable rights.

Entire terms. These Terms and Conditions, together with our privacy policy and cookies policy, constitute the entire agreement between us and you regarding the use of our Platform and the Services. Our failure to exercise or enforce any right or provision does not operate as a waiver of it. Section titles are for convenience only. If any part of these Terms and Conditions is found to be invalid or unenforceable, that part shall be severed and the remainder shall continue in full force and effect. You may not assign, subcontract, delegate or transfer these Terms and Conditions without our prior written consent; we may freely assign them at our sole discretion, and they are binding upon assignees.