TERM OF USE

Introduction

This Terms of Use Policy outlines the terms for using Finqy Fintech Financing Brokers L.L.C.’s (“Company”) website www.finqy.ae, mobile apps, and related platforms or connected thereto and further including any amendments/modification/update thereon (collectively, the “Platform”). The Company is registered in UAE and regulated under UAE federal and local laws. By accessing the Platform, the User agrees to these Terms.

By accessing this Website, availing any services by/through us, you the user hereby agrees to be bound by this Policy of “Terms of Use”. This Policy describes that the relationship between the Company and User will be subject to guidelines, policies, terms and conditions applicable to any specific service that is provided by this website, and they shall be deemed to be incorporated into this Policy and shall be considered as part and parcel of this Policy. These Terms also apply to any and all online resources, materials, download areas, tools provided on this Website, including without limitation, blogs, community forums, chat rooms, discussion sites, service offerings information (hereinafter, “Online Mediums”), both now and in the future. We may also publish medium-specific terms of use, in which event these Terms shall remain in full force and effect to the extent that the Terms do not conflict with the medium-specific terms of use.

The users are requested to visit this website and review the most updated version of Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify the Policy without prior notice, and the same shall be deemed to be reviewed and accepted by the User of this website.

Acceptance of Terms

This Policy constitutes a legally binding contract under UAE laws, including the Federal Decree-Law No. 45 of 2021 (Data Protection Law) and the UAE Commercial Transactions Law. Users must immediately discontinue use if they disagree with these terms.

Services Offered

The Company provides Users access to information about various financial products and services, including but not limited to loan facilities, credit card facilities, fixed deposits, and mutual fund investment services (collectively referred to as "Services"). Company may also facilitate third-party services such as credit checks and data retrieval from third-party sites, including banking institutions. All services are offered on a commercially reasonable effort basis, and the User voluntarily consents to avail of such services.

User Consent

By continuing to use Company’s services and this website, the User acknowledges and accepts these Terms of Use, including any modifications or updates. This consent remains effective until terminated as per the provisions herein.

Data Sharing and Communication Consent

The User agrees and authorizes the Company to share their information with group companies, third parties, and service providers for joint marketing purposes, report generation, and value-added services related to the Services selected. The User consents to receive communications via email, telephone, mobile, and SMS from the Company, its business partners, or marketing affiliates regarding services, promotions, and updates. This consent overrides any registration under DND/NCPR lists in compliance with applicable UAE regulations.

Privacy Policy/ Data Protection and Retention

The Company collects and processes user data under Federal Decree-Law No. 45 of 2021 (UAE Data Protection Law). Users consent to data sharing for service delivery and regulatory purposes.

Company will collect, process, retain, and utilize User information in accordance with UAE data protection laws, including Federal Decree-Law No. 45 of 2021 regarding the Protection of Personal Data (PDPL). The User's information will be retained as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

Modification of Terms

Company reserves the right to modify, update, or change these Terms of Use at any time. Continued use of the website constitutes acceptance of the revised Terms.

User Obligations

Users must not engage in fraudulent activity, compromise security measures, or misuse the website. Users are responsible for maintaining account confidentiality and reporting unauthorized access.

Intellectual Property Rights

All content, trademarks, logos, designs, images, text, software, and multimedia elements on the website are the exclusive property of the Company, protected under UAE intellectual property laws, including the Federal Law No. 31 of 2006 on Copyrights and Neighboring Rights.

Disclaimer of Warranties

The Company provides its services on an "as-is" and "as-available" basis, without any warranties of any kind, whether express or implied.

Limitation of Liability

The Company and its affiliates shall not be liable for any indirect, incidental, or consequential damages arising from the use of its services.

Termination of Access

The Company may suspend access immediately for breaches under this Policy or UAE laws.

Governing Law and Dispute Resolution

This Policy shall be governed and interpreted as per the laws of the United Arab Emirates.

Contact Information