Terms and Conditions

1. Introduction

  1. Welcome to our website. If you continue to browse or open any application on this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our Website Privacy and Security Statement governs our relationship with you in relation to this website. If you do not agree to be bound by these terms and conditions, please do not access this website.
  3. If you have any questions regarding these terms and conditions, please email us on info@adf.ae or call us on 800 ADF (223) for more information
  5. References to “you” or “your” are references to the person(s) accessing this website.
  7. References to “we” “us” and “our” are references to Abu Dhabi Finance pjsc  

2. Website Content and Conduct

  1. The content of the pages of this website, including these terms and conditions, is for your general information and use only. It is subject to change without notice. The material on this website may be out of date and we make no commitment to remove any outdated information from the website or expressly mark it as outdated. You agree to review this website regularly and your continued access to, or use of, this website following any changes will mean that you agree to any changes (including any amended terms and conditions). If you are unsure of the timeliness of any information, please consult our staff before proceeding.
  2. Unless otherwise stated or agreed with you, the information on this website has been prepared in accordance with UAE law and for the supply of products or services within the UAE only. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this website, it is not directed to you. Please note that not all of the products and services that you may be able to view via this website are available in all geographical locations. We reserve the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, please note that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.
  3. All figures displayed on this website relating to fees, charges, interest and any other amounts are in UAE Dirhams (unless otherwise stated) and are current at the time of issue, but may change at any time.
  4. Pages on this website should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.
  5. The information contained in pages on this website is not intended to provide any financial, investment or professional advice in any way and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice when necessary
  6. You are prohibited from posting or transmitting to or from this website any material: (i) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (ii) for which you have not obtained all necessary licenses and/or approvals; or (iii) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (iv) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
  7. You may not misuse this website (including, without limitation, by hacking) or make any attempt to alter the content of this website.
  8. We shall fully co-operate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of clause 2.8 or clause 2.9.

3. Intellectual Property

  1. Unless otherwise stated, the copyright and other intellectual property rights in all material on this website (including, without limitation, photographs and graphical images) are owned by us or are licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics.
  2. You may electronically reproduce and store contents of this website solely for the purposes of viewing the website for your own personal and non-commercial use. You may not display or distribute content of any part of this website in public or where the content is accessible to the public, including any reproduction on the internet, without our written permission.
  3. We and other parties own the trade marks, logos and service marks displayed on this website and you are prohibited from using the same without our written permission or of such other parties.
  4. Any rights not expressly granted in these terms are reserved.

4. Links to and from other websites

  1. Links to third party websites on this website are provided solely for your convenience. If you use these links, you will leave this website. We have not reviewed all of these third party websites and do not control and are not responsible for these websites or their content or availability. We therefore do not endorse or make any representations about them or any material found there or any results that may be obtained from using them. If you decide to access any of the third party websites linked to this website, you do so entirely at your own risk.
  2. If you would like to link to this website, you may only do so on the basis that you link to, but do not replicate, the home page of this website, and subject to the following conditions:  
    1. you do not remove, distort or otherwise alter the size or appearance of the any images or logos;
    3. you do not create a frame or any other browser or border environment around this website;
    5. you do not in any way imply that the we are endorsing any products or services other than our own;
    7. you do not misrepresent your relationship with us nor present any other false information about us;
    9. you do not otherwise use any trade marks displayed on this website without our express written permission;
    11. you do not link from a website that is not owned by you; and
    13. your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.
  3. We expressly reserve the right to revoke the right to link to this website granted in clause 4.2 for breach of these terms and conditions and to take any action which we may deem appropriate.
  4. You shall fully indemnify us for any loss or damage suffered by us for breach of clause 4.2.

5. Disclaimer

  1. The material on this website is provided “as is” without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, this website is provided on the basis that we exclude all representations, warranties, conditions and other terms (including, without limitation, any conditions implied by law) which, but for this legal notice, might have effect in relation to this website.
  2. Whilst we endeavour to ensure that the information on this website is complete and accurate, we do not warrant the completeness and accuracy of any information on this website.
  3. We do not represent or warrant that this website will be available and meets your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back-up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
  4. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with this website.

6. Exclusion of Liability

  1. The following clauses exclude or limit our legal liability for this website. You should read them carefully. Nothing in these terms and conditions and in particular within this clause 6 shall exclude liability that is not permissible to exclude under applicable law.
  2. Your access to and use of any information or materials on this website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. We shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on this website or accessed through this website, even if we have been advised of the possibility of such damage
  3. We, any other party (whether or not involved in creating, producing, maintaining or delivering this website) and any of our group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result 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 money, or loss or damages arising from or connected in any way to business interruption and whether in tort (including without limitation negligence), contract or otherwise) in connection with this website in any way or in connection with the use, inability to use or the results of use of this website, any websites linked to this website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this website or your downloading of any material from this website or any websites linked to this website.
  4. Our liability for breach of any non-excludable rights is limited, at our option, to the supply of the services again or the payment of the cost of having the services supplied again.
  5. If your use of material on this website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
  6. You may have rights and remedies available to you in relation to the provision of services by us which cannot be excluded, restricted or modified under applicable law. We exclude all or any conditions and warranties implied by custom, law or regulation other than any such non-excludable rights.

7. Enforceability

  1. In the event that any provision of these terms and conditions of use of this website is held unenforceable, it will not affect the valid and enforceability of the remaining provisions.

8. Governing Law and Jurisdiction

  1. These terms and conditions shall be governed by and construed in accordance with the laws of the Emirate of Abu Dhabi and federal laws of the United Arab Emirates as applied in the Emirate of Abu Dhabi. Disputes arising in connection with these terms and conditions shall be subject to the non-exclusive jurisdiction of the Courts of the Emirate of Abu Dhabi.