TERMS & CONDITIONS
Who we are and how to contact us
cozmomortgages.com is a website (the “Website”) and tradename that is owned and operated by MIBME Mortgage Broker owned by Property Finder Arabia Singl L.L.C, a Limited Liability Company registered in Dubai, UAE (”we”, “us”, and “our”).
We provide mortgage services, whether via the Website or offline, which may include providing information and professional insight/s concerning residential and commercial mortgages, analyzing your circumstances, and providing you with an overview of options available in the market (“Services”).
“You” and “you’re” shall mean you as a user of the Website, our mobile application, or our Services.
To contact us, please email email@example.com.
DISCLOSURE: We are not a bank or financial institution. We provide a service whereby consultants with a certain knowledge of the residential and commercial loan market and the UAE property transaction process, impartially assess your unique circumstances and give you an overview of options available in the market from third-party mortgage providers.
You accept these Terms by using the Website
These terms and conditions (“Terms”) constitute a legal agreement between us and you. By using the Website, our mobile application, or our Services, you confirm that you accept these Terms and that you agree to comply with them. If you do not accept and agree to comply with these Terms, then you must not use the Website or any of our mobile applications.
You may not use the Website or our Services and may not accept these Terms if (a) you are not over eighteen (18) years of age, or (b) you are a person who is either barred or otherwise legally prohibited from receiving or using the Website or our Services under the laws of the country in which you are a resident or from which you access or use the Website or our Services.
You are responsible for ensuring that all persons who use the Website through your network are aware of these Terms and other applicable terms and conditions and that they comply with them.
Our Services are available via both the Website and offline with one of our qualified consultants.
Certain portions of our Services are only available to you if you register with us via the Website by providing the required information, which includes, but is not limited to your email address, first name, and telephone number.
We may revise these Terms at any time and without notice. By continuing to use this Website, our mobile application, or our Services, you are agreeing to be bound by the new Terms. If you are engaging our offline Services, then you shall be provided with an updated version of the Terms.
These Terms were last updated on 01 June 2022. They are effective between you and us as of the date you accept these Terms, and you do so by default through the use of the Website, our mobile application, and/or our Services.
How do we process your personal information?
How you may use material on the Website
We are the owner or the licensee of all intellectual property rights in the Website and the material published on it or as provided via our Services. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
We, together with our suppliers and licensors, expressly reserve all intellectual property rights in all text, programs, products, processes, technology, content, and other materials, which appear on the Website or are provided via our Services. Access to the Website or our Services does not confer and shall not be considered as conferring upon anyone any license under any of our or any third party’s intellectual property rights. Any use of the Website or its contents or our Services, including copying or storing it or them in whole or in part (other than for your own personal, non-commercial use) is prohibited without our written permission. You may not modify, distribute or re-post anything on the Website or as provided via our Services for any purpose.
Our names and logos and all related product and service names, design marks, and slogans are the trademarks or service marks of us or our licensors. No trademark or service mark license is granted in connection with the materials contained on the Website or via the provision of our Services.
You understand and agree that access to the Website or our Services does not authorize anyone to use any name, logo, or mark in any manner whatsoever.
You may temporarily download copies of the materials (information or software) on the Website or provided via our Services for personal, non-commercial transitory viewing only and you may draw the attention of others within your organization to content posted on the Website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on the Website or as provided via our Services must always be acknowledged.
If you print off, copy or download any part of the Website or the content provided to you as part of our Services in breach of these Terms, your right to use the Website, our mobile application, or our Services will cease immediately. You must, at our option, return or destroy any copies of the materials in your possession whether in electronic or printed format.
You must keep your account details safe
If you decide to have an account with us, and consequently if you choose or if you are provided with, a user identification code, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification, code, or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
If you know or suspect that anyone other than you knows your user identification, code, or password, you must notify us at firstname.lastname@example.org.
Your responsibilities when using the Website
You understand and agree that you must not perform any action or participate in any conduct that is inappropriate, unlawful, or prohibited by any laws applicable to the Website, including, but not limited to:
- using any automated device, software process or means to access, retrieve, scrape, or index the Website or any content on the Website;
- using any device, software, process, or means to interfere or attempt to interfere with the proper working of the Website;
- undertaking any action that will impose a burden or make excessive traffic demands on our infrastructure that we consider to be unreasonable or disproportionate Website usage;
- attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Website;
- using or indexing any content or data on the Website for purposes of (i) constructing or populating any searchable database; (ii) building a database of loan information; or (iii) competing with us in any manner that we have not specifically authorized;
- transmitting spam, chain letters, contests, junk email, surveys, or other mass messaging, whether commercial or not;
- using the Website or any content from the Website or our mobile application or as provided via our Services in any manner which we determine as not reasonable and/or not for the purpose for which it is made available;
- violating the rights of any person, including copyright, trade secret, privacy right, or any other intellectual property or proprietary right;
- posing as any person or entity or attempting to solicit money, passwords, or personal information from any person;
- acting in violation of any of the Terms or other conditions posed by us or any applicable law;
- reproducing, republishing, retransmitting, modifying, adapting, distributing, translating, creating derivative works or adaptation of, publicly displaying, selling, trading, or in any way exploiting our Website or any content on our Website, except as expressly authorized by us;
- transmitting or attempting to transmit any computer viruses, worms, defects, or other items in a destructive manner;
- gaining or attempting to gain unauthorized access to the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website; or
- attacking or attempting to attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
- If necessary, we may put in place measures to prevent unauthorized access and use of the Website, our mobile application, and/or our Services, including but not limited to, instituting technology or organizational barriers, or reporting the unauthorized or illegal, or improper conduct to any person or entity.
Your responsibilities to us
You confirm that all information provided to us or any third party is, to the best of your knowledge, true and accurate.
You will provide us or any related third party with any further information about your mortgage application should it be required.
Unless we otherwise expressly agree in writing, you agree not to use our Website for any commercial or business purposes.
Our responsibility for loss or damage suffered by you
To the extent permitted by law, we, any other party (whether or not involved in creating, producing, maintaining, or delivering the Website, mobile application, or the Services), and any of our group companies or affiliates 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 the Website, mobile application or the Services in any way or connection with the use, inability to use or the results of the use of the Website, any websites linked to the Website or the materials on such websites.
We do not guarantee that the Website will be secure or free from errors, bugs, or viruses. We are not liable to you or anyone else for any loss or damage caused by a virus, distributed denial of service attack, or other technologically harmful material or software data that may infect your computer equipment, computer programs, data, or other proprietary materials due to your use of the Website or to your downloading of any content on it, or any website linked to it. You are responsible for configuring your information technology, computer programs, and platform to access the Website. You should use your virus protection software.
If your use of material on the Website results in the need for servicing, repair, or correction of equipment, software, or data, you assume all costs thereof.
Making the Website available to you
We strive to ensure that the Website is always available to you, but we do not guarantee that the Website will operate continuously, without interruptions, or be fault free. On occasion, necessary maintenance or upgrade work requires us to make the Website and the services unavailable without notice, but we aim to keep downtime to a minimum. We accept no liability for any interruption or loss of service. We reserve the right to alter, suspend or discontinue any part of the Website, mobile application, or Services, including your access to it.
You agree to indemnify and hold us and our affiliates (and our officers, agents, partners, and employees) against any loss, liability, claim or demand, including reasonable attorney’s fees, arising out of, or in connection with your use of and access to the Website, mobile application or the Services.
Communicating with you
When you use the Website, the mobile application, or send emails to us, you are communicating with us electronically. You hereby consent to receive electronically any communications (including marketing communications) related to your use of our Services, the mobile application, or the Website. We will communicate with you by email or other communication means, such as WhatsApp, or by posting notices on the Website. You acknowledge and agree that all agreements, notices, disclosures, and other communications provided to you electronically satisfy any legal requirement that such communications be in writing. All notices from us intended for receipt by you shall be deemed delivered and effective when sent to the email address or the mobile number you provide on the Website or the mobile application for your account.
Taxes and Fees
We reserve the right to, and shall if required by law, add VAT at the appropriate rate for our Services to any invoices issued under or in connection with these Terms, and you acknowledge and accept that you shall pay and be solely liable for any such VAT in addition to the purchase price for our Services.
We are not responsible for websites we link to
The Website may contain links, hyperlinks, and pointers to third-party products, services, and/or websites that are not affiliated with us and which are provided for your information only. We have no control over the content, products, or services of those sites or resources of third parties and we do not guarantee or take responsibility for them. The Website may also contain advertising from third parties and we are not responsible, nor do we make any warranties or representations for any misleading or inaccurate advertisements which are the sole responsibility of the advertiser.
Any notice(s) must be sent by e-mail or prepaid post to your or our last known address, in the English language.
You must not assign any part of the Services and/or your obligations set out in these Terms without our prior written consent.
If any term of these Terms becomes for any reason invalid or unenforceable at law, the validity and enforceability of the remainder will not be affected.
These Terms and the documents referred to or incorporated in them constitute the entire agreement between us and replace all previous agreements and understandings between them, relating to its subject matter.
These Terms and any non-contractual obligations arising in connection with these Terms and your access to the Website shall be governed by and construed following the laws of the Dubai International Financial Centre (DIFC) in the Emirate of Dubai, United Arab Emirates. You agree to submit to the exclusive jurisdiction of the Courts of the Dubai International Financial Centre (DIFC).