Terms & Conditions.

About these Terms

These Terms & Conditions (the "Terms") govern your access to and use of the website, mobile applications, and other services provided by DIGIDEED MORTGAGE BROKER L.L.C ("DigiDeed", "we", "us", or "our"), trading under the brand name Banqy (collectively, the "Services").

By accessing or using the Services, submitting a lead form, uploading documents, or engaging our advisors, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Services.

Banqy is a mortgage brokerage licensed by the Department of Economy and Tourism, Dubai, under Trade Licence No. 1200167, and authorised to practise as a Mortgage Broker through the Real Estate Regulatory Agency (RERA) of the Dubai Land Department. We are not a bank, lender, or insurer. Final credit, lending, and underwriting decisions are made by the banks and financial institutions you apply with.

Eligibility

To use the Services, you must:

• Be at least 18 years of age and have the legal capacity to enter into a binding contract under UAE law.
• Provide accurate, current, and complete information about yourself and any property or transaction involved.
• Have the right and authority to share any documents and personal data you submit, including data relating to co-applicants, sponsors, employers, or co-owners.

The Services we provide

Banqy provides mortgage brokerage and related advisory services, including:

• Comparison of mortgage and home-finance products from UAE banks and financial institutions we work with.
• Guidance and pre-approval support tailored to your profile and stated goals.
• Preparation, submission, and follow-up of mortgage applications with partner banks.
• Coordination with developers, valuers, conveyancers, insurance providers, and the Dubai Land Department (and equivalent authorities in other emirates) where relevant.
• Refinance, buyout, equity release, off-plan and handover financing, non-resident mortgages, and Islamic and conventional financing options.

Availability, eligibility criteria, pricing, and terms of any specific product are set by the relevant bank or financial institution and may change at any time without notice.

Nature of our service — important information

Banqy provides information, comparison, and brokerage facilitation. We do not provide regulated financial advice or tax, legal, or accounting advice. Any guidance we offer is general in nature and does not take into account your full personal circumstances. You should seek independent professional advice where appropriate.

Your account and information

You are responsible for the accuracy of the information and documents you provide. You agree to update us promptly if any information changes during the course of your application. You are also responsible for maintaining the confidentiality of any login credentials and for all activity carried out under your account.

KYC, AML, and document submission

When you ask us to facilitate a mortgage application, you authorise Banqy to:

• Verify your identity and conduct anti-money-laundering (AML), counter-terrorism-financing (CTF), and sanctions checks.
• Request a credit check from Al Etihad Credit Bureau or other relevant credit bureaus.
• Share your personal data, KYC documents, and application details with the banks and service providers necessary to process your application.

You confirm that all documents you provide are genuine, complete, and unaltered. We reserve the right to decline or terminate our engagement if we suspect any fraud, misrepresentation, or breach of applicable law.

Fees and remuneration

Banqy is typically remunerated by the banks and financial institutions whose products it brokers. Where any fee is payable by you directly to Banqy (for example, for premium advisory or processing services), the fee, basis, and timing will be disclosed in writing before any charge is made, and your consent will be obtained.

Fees, charges, and costs imposed by banks, valuers, developers, the Dubai Land Department, insurance providers, and other third parties are not controlled by Banqy and are payable by you directly to those parties.

Communications and electronic signatures

By using the Services, you consent to receive communications from Banqy by email, SMS, WhatsApp, phone, and other electronic means, including operational updates relating to your application and, where you have opted in, marketing communications. You can opt out of marketing at any time.

You agree that electronic signatures, consents, and approvals provided through our Services have the same legal effect as handwritten signatures under applicable UAE law, including the UAE Electronic Transactions and Trust Services Law.

Acceptable use

When using the Services, you agree not to:

• Provide false, misleading, or fraudulent information or documents.
• Use the Services in any unlawful manner or in violation of these Terms, our Privacy Policy, or applicable law.
• Reverse-engineer, scrape, decompile, or attempt to derive the source code of the Services.
• Interfere with the security, integrity, or availability of the Services, or introduce malicious code.
• Use the Services to infringe any intellectual property right or to impersonate any person or entity.

Intellectual property

All content on the Services — including the Banqy name, logo, wordmark, designs, text, graphics, software, and trade marks — is owned by or licensed to DigiDeed and is protected by UAE and international intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Services for personal, non-commercial purposes. No other rights are granted by implication or otherwise.

Third-party banks, partners, and links

The Services may contain information about, and links to, the websites and products of third parties, including UAE banks and financial institutions. Banqy is not responsible for the content, products, pricing, decisions, or practices of those third parties. Any contract you enter into with a bank or other third party is solely between you and that party.

Disclaimers

To the maximum extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis. Banqy does not warrant that the Services will be uninterrupted, error-free, or free of harmful components, nor that any specific outcome — including approval, rate, or product availability — will be obtained.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under UAE law.

Limitation of liability

Subject to the paragraph above, Banqy's total aggregate liability to you in connection with the Services, whether in contract, tort (including negligence), or otherwise, shall not exceed the amount of fees, if any, actually paid by you to Banqy in the twelve (12) months preceding the event giving rise to the claim, or AED 5,000, whichever is greater.

Banqy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, business, opportunity, goodwill, or data, even if advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Banqy, its affiliates, and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your breach of these Terms, your misuse of the Services, or any inaccuracy in the information or documents you provide.

Suspension and termination

We may suspend, restrict, or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have breached these Terms, applicable law, or our regulatory obligations, or if continued provision of the Services would expose Banqy or its partners to legal or reputational risk. You may stop using the Services at any time. Provisions that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, indemnification, and governing law) will so survive.

Changes to these Terms

We may update these Terms from time to time. The "Effective date" shown above will indicate when the Terms were last updated. Material changes will be communicated through the Services or by email where appropriate. Your continued use of the Services after the changes take effect constitutes acceptance of the updated Terms.

Governing law and dispute resolution

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the federal laws of the United Arab Emirates as applicable in the Emirate of Dubai. The courts of Dubai have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Services, save that Banqy may bring proceedings against you in any other court of competent jurisdiction.

General

• Severability — If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• Waiver — A failure or delay to enforce any right under these Terms does not constitute a waiver of that right.
• Assignment — You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of all or part of our business.
• Entire agreement — These Terms, together with the Privacy Policy and any product- or service-specific terms we provide, constitute the entire agreement between you and Banqy regarding the Services.
• Force majeure — Banqy is not responsible for any failure or delay in performing its obligations under these Terms due to events beyond its reasonable control.

Contact us

For questions about these Terms or the Services, please get in touch: