Who we are

 Our website address is https://mortgagewhizuae.com.

Introduction

Definitions

“Buyers”: shall mean home buyers, property buyers, and real estate buyers who create an account on our Platform for the purpose of receiving the Services.

“Data”: shall mean any information and data of any kind, you share with us through the Platform.

“Platform”: shall mean the platform we provide whereby you can access the Services as described in more detail herein.

“Product”: shall mean any third party product or service that we display on our Platform.

“Quote”: shall mean a rate provided by a Service Provider for comparison with other quotes on the basis of the information provided by the Buyer.

“Service Provider”: shall mean banks, building societies, financial institutes, and financial lenders licensed, regulated, and operational in the UAE and the services and products of which are listed on our Platform.

“you” and “your”: means any person who accesses and uses our Platform.

•  Third Party Terms and Conditions. Certain features of our Platform or the Services will be subject to additional terms and conditions from third parties and Service Providers. It shall be your responsibility to inform yourself of the Service Provider’s terms and conditions before availing a Service (including but not limited to their terms and conditions regarding payment, cancelation, and liability). Terms and conditions may differ from Service Provider to Service Provider and may be amended without prior notice to you. Such terms and conditions shall form an integral part of these Terms and Conditions and any such third party and/or Service Provider shall have the right to enforce such terms and conditions against you.
• License to Use. Subject to the rest of the content of these Terms and Conditions, we hereby grant you a non-transferable, non-exclusive, revocable, limited license to use and access our Platform in accordance with these Terms and Conditions but reserve our right to revoke any or all of such authorizations at any time.
• Lawful Purposes. You agree to use our Platform and the Services for lawful purposes only and in a way that does not infringe on the rights of any third party or restrict or inhibit such third party, Buyer, or Service Provider’s use and enjoyment of the same.
• Certain Restrictions. The rights granted to you under these Terms and Conditions are subject to the following restrictions:

You may not and shall not modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of our Platform or any of the content thereof;

You may not and shall not access our Platform in order to build a similar or competitive Platform, product, and/or service;

Except as expressly stated herein, no part of our Platform may be copied, modified, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means, including but not limited to linked, framed, hyperlinked or deep-linked into any other platform, without our express written consent; and

Unless otherwise indicated, any future release, update, or other addition to the functionality of our Platform shall be subject to these Terms and Conditions or a modified version of the same.

Modifications. You should review these Terms and Conditions on a routine and periodic basis as we reserve our right, at any time and without prior notice to you, to suspend or discontinue our Platform or the Services, whether in whole or in part, and delete any accounts in relation thereto, and to amend or modify these Terms and Conditions to reflect changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements and changes in our system’s capabilities and/or features and changes in market conditions affecting our business.

No Support, Maintenance, or Protection. You acknowledge and agree that we will have no obligation to provide you with any support or maintenance in connection with our Platform or your use thereof. We also cannot guarantee that there will be no viruses or other harmful code embedded in our Platform that could adversely affect the device you are accessing it from. It shall be your sole responsibility to ensure that your device is adequately protected against such threats.

Term. These Terms and Conditions shall remain valid and apply at all times during your use of our Platform and the Services. Without limiting the generality of the foregoing, these Terms and Conditions (as may be amended from time to time) shall apply and shall continue to apply each and every time you open an account with us, avail or book a Service through our Platform and/or otherwise access our Platform for any other reason.

Territory. 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.

Service Description

Mortgage Whiz provides an online platform to connect Buyers with Service Providers.

We do not provide financial, investment, or other advice in relation to the Product or Service compared, nor do we provide a recommendation or endorsement of Service Providers. However, we do recommend packages and/or products on our comparison page.

Mortgage Whiz’s platform offers Buyers an independent digitized mortgage rate comparison service enabling them to research and compare mortgage rates offered by third parties.

Mortgage Whiz’s platform allows Buyers to apply for mortgage pre-approval, upload required documents for this transaction, and obtain a digital format of the mortgage pre-approval.

Mortgage Whiz’s platform facilitates an online payment gateway for Buyers to pay against the Service Provider’s invoice for a property valuation letter. Please note that we have no control over these charges, and the received funds will be deposited into the respective Service Provider’s account.

Mortgage Whiz Services are free to use for Buyers. Mortgage Whiz receives a fee and/or commission from the Service Provider when Buyers use Mortgage Whiz Services to purchase their products.

By providing you with a quote, we are not making an offer on behalf of the Service Provider to contract with you on those terms. Instead, by submitting your details, you are making an offer to purchase the relevant product from the Service Provider on the terms set out. The contract will be concluded once your offer has been accepted.

Creating an Account with us

If you want to access our Platform as a Buyer, you will be required to create an account with us, complete the required registration, be legally capable of entering into binding contracts, and be 21 years of age or over.

You shall be responsible for ensuring the accuracy of the information you submit when creating an account with us. All information provided by you must be provided in good faith. Such information must be true and accurate in all material respects and not misleading as of the date such information is given. You should also revise this information regularly to check that the information we have for you is correct. We reserve the right to remove or suspend accounts that are not truthful. We shall not be liable for any costs, expenses, or liabilities incurred by you due to inaccurate information.

All information and interactions you make through your account or through your use of our Platform must be appropriate, factual, and professional at all times. You shall at all times, (i) comply with applicable laws, rules, and regulations, (ii) must not infringe on any intellectual or proprietary rights of any third party,

(iii) must not promote, contain, or display information that is inaccurate, false, or misleading in any way to a Services Provider in any way whatsoever, including but not limited to, impersonating or purporting to impersonate any other person, and (v) must not be offensive, illegal or inappropriate in any way.

You are responsible for keeping your login information secret and secure at all times. You hereby agree not to permit any other person to use your username and password and not to disclose or provide any other person your username, your password, or any other information that may allow any other person to gain access to your account. You will remain responsible for all activity that occurs through or associated with your account. For the avoidance of any doubt, you may not use the account of anyone else or set up more than one account for yourself (especially if your account has been suspended or deleted by us for any reason). We do not accept responsibility for any activity that occurs through your account.

We reserve the right to reject or approve any request to create an account, to suspend your account, and/or to delete your account at our sole discretion without any liability for the same.

Service Providers

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. The Buyers and the Service Providers should exercise caution and common sense when interacting with each other and shall remain responsible for protecting themselves and their property (including any Data) at all times while using our Platform and the Services.

A Buyer having used the Service of a Service Provider may be able to leave positive feedback about the Service Provider through the methods provided. Should you have a complaint or comment to make about a Service Provider, you can submit such complaint or comment to us in writing at the email address provided in these Terms and Conditions.

Payment

You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on the Platform.

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

You may apply for the property valuation letter on the Platform. You will then be directed to a payment section of the Platform where you can pay for the property valuation letter. 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 but not limited to the Service Provider’s cancellation policy, payment terms, terms of liability, etc. Any contract entered into will be between you and the Service Provider.

The Services

Mortgage Whiz facilitates the mortgage pre-approval stage by allowing Buyers to upload the required documents on the Platform and submit them. mortgage whiz then sends the profile and uploaded documents to the selected Service Provider for application analysis.

Buyers must answer a series of questions on the Platform to compare or obtain a quote for any Products and/or Services. These questions ensure that both mortgage whiz and Service Providers have the necessary information to provide appropriate and timely information related to the Products and/or Services of interest. The aspects of a Product and/or Service will depend on the answers provided to these questions. It is crucial to answer truthfully, completely, and accurately, disclosing all relevant facts. Failure to do so could invalidate the Service and/or Product offered.

We transmit the information you provide to Service Providers for rate comparison and mortgage pre-approval purposes.

It is your responsibility to identify and correct any mistakes or errors in the information, content, material, or data before obtaining any Product from a Service Provider or applying for mortgage pre-approval. Failure to do so could invalidate the Product and/or mortgage pre-approval.

Assuming your mortgage pre-approval application is successful, you will receive:

a. Digital pre-approval letter;

b. Notification to arrange property valuation; and

c. An option to pay the Service Provider’s invoice for the property valuation letter via Mortgage Whiz.

The Products, rates, and prices displayed on our Platform are provided by third parties over whom we have no control.

You should always assess the suitability, adequacy, and appropriateness of the Product that interests you. It is your responsibility to ensure you want to obtain any Product before applying for it. If you are unsure about the suitability, adequacy, or appropriateness of any Product listed on the Platform, we recommend seeking independent professional advice before proceeding.

The Platform provides information on a wide range of Products and Services, but there may be other products or services available in the market that are not listed on the Platform and may be more suitable or appropriate for you.

Exclusions of Liability

We make no representations, guarantees, or warranties with regard to the quality of the services provided by the service providers or the accountability of the parties.

The Buyers and the Service Providers are all independent contractors and as such, we have no control over, nor do we accept any responsibility for them in any way whatsoever (including but not limited to any Data disclosed). You agree to indemnify and hold us (our affiliates, officers, employees, and agents) harmless from any and all claims and demands (including reasonable costs and attorney’s fees) arising out of (a) your use of our Platform and the Services; (b) your violation of these Terms and Conditions or any other terms or guidelines referred to herein (including third party or Service Provider terms and conditions); or (c) your violation of applicable laws and regulations. We reserve our right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to fully cooperate with us with regard thereto and not to settle any matter without our prior written consent. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

For the avoidance of doubt, we shall not be responsible in any way whatsoever, for any liability, cost, expense, loss, or damage, including for property or person, whether by injury or otherwise, caused by a Service Provider or a Buyer on any other party, or any third party for any reason whatsoever, including any Data disclosed by the Service Provider. You agree to indemnify and hold us harmless for any and all liability, damages, claims, costs, losses, or expenses (including reasonable legal fees) incurred as a result of your action or inaction in relation to the Service or these Terms and Conditions, whether in the form of a suit, claim or similar action.

Intellectual Property

As between you and us, you acknowledge that any and all intellectual property rights, including copyrights, patents, trademarks, and trade secrets (collectively “ Intellectual Property”) in our Platform and its content are owned and shall be owned by us or our suppliers (as applicable). Neither these Terms and Conditions (nor your access to or use of our Platform or the Services) shall transfer to you or any third party, any rights, title, or interest in or to such Intellectual Property, except for the limited access rights expressly set forth in clause 1.3 above. We reserve all of our rights not granted in these Terms and Conditions and reserve the same for our third-party providers. For the avoidance of any doubt, there are no implied licenses granted under these Terms and Conditions or by your use of our Platform.

Disclaimers

The content on the Platform is provided solely on an “as is” basis. We explicitly disclaim all warranties and conditions of any kind, whether express, implied, or statutory, including but not limited to warranties and conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, and non-infringement. We do not warrant that our Platform or the Services will meet your requirements or expectations, be available uninterrupted, timely, secure, or error-free, or be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe at all times. If applicable law requires any warranties regarding our Platform and/or Services, such warranties are limited in nature and duration to the minimum requirements imposed by law.

Limitation On Liability

To the fullest extent permitted by applicable law, we disclaim any liability to you or any third party for any loss of profits, loss of data, costs of procuring substitute goods, or any indirect, consequential, exemplary, incidental, special, or punitive damages arising from or related to these Terms and Conditions, your use or inability to use our Platform and/or the Services, or the disclosure of data to the Service Provider and/or by the Service Providers to third parties. Your access to and use of our Platform or the Services is entirely at your own risk. By accessing our Platform or the Services, you accept full responsibility for any damage to yourself, your belongings, and/or the device you use to access our Platform, as well as any resulting loss.

To the maximum extent permitted by law and notwithstanding anything herein to the contrary, our maximum liability arising from or in relation to these Terms and Conditions, your use of our Platform (for any cause whatsoever and in any form of action) and/or the Services, shall be limited to fifty USD ($50.00).

The existence of more than one claim will not enlarge this limit as it shall be in the aggregate. You agree that our suppliers will have no liability of any kind arising from or relating to these Terms and Conditions.

We will not be liable to you for any breach of these Terms and Conditions caused by any event beyond our reasonable control including but not limited to, acts of God, explosions, floods, tempests, fires or accidents; wars or threats of war, sabotage, insurrection, civil disturbance or requisition; acts, restrictions, regulations, bye-laws, decrees or laws, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority; import or export regulations or embargoes; strikes, lock-outs or other industrial actions or trade disputes; difficulties in obtaining materials, labor, fuel, parts or machinery; power failure or breakdown in machinery.

Nothing in these Terms and Conditions limits or excludes our liability: (i) for death or personal injury caused by our negligence; (ii) for fraud or fraudulent misrepresentation; or (iii) in any way that is not permitted under applicable law.

These Terms and Conditions shall not affect your legal rights whether under any mandatory consumer protection laws, which cannot be excluded or limited by applicable law.

Term and Termination

Subject to this clause, these Terms and Conditions will 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 of your rights under these Terms and Conditions, any account you may have with us and any right to access our Platform and/or book Services shall be terminated immediately. We shall not be liable in any way whatsoever for any termination of your rights under these Terms and Conditions. Even after your rights under these Terms and Conditions have been terminated, the following provisions of these Terms and Conditions will remain in effect and shall be fully enforceable against you under law.

Contact. If you have any questions about these Terms and Condition or would like to contact us for any other reason, you can contact us:

(a) by telephone: +9710568217727

(b) by email: mortgagewhizuae@gmail.com