Terms of Service

About these terms

These Terms of Service govern your use of rasdxb.ae, the mortgage simulator and the Real Asset Solutions (RAS) client portal. By using the platform, you agree to these terms and our Privacy Policy. If you do not agree, do not use the platform.

RAS is a Dubai-based advisory platform working alongside licensed UAE financial institutions and property-services firms. RAS is not a bank, lender, insurer, law firm, tax adviser or investment adviser.

Advisory and indicative information

Simulator results, rates, loan-to-value ratios, terms and other figures are indicative estimates based on the information provided and the assumptions shown. They are not an offer of credit, a mortgage approval, a guarantee or a commitment by RAS or any bank.

Licensed banks make all credit, underwriting, pricing and approval decisions independently. Final terms may differ after verification, valuation, compliance checks and lender assessment. You should obtain independent legal, tax and investment advice appropriate to your circumstances before entering a transaction.

Your account

• You must be at least 18 years old and legally able to enter agreements to use the client portal.
• Provide accurate, current information and documents, and promptly tell us if something changes.
• Protect access to your email account, Google account, devices and active sessions. You are responsible for activity reasonably attributable to your failure to protect them.
• Creating an account does not automatically open a financing file. An adviser must open or connect your client file before file-specific services appear.
• Tell us promptly if you believe someone else has accessed your account or client information.

Client files and communications

When you ask us to assist with a financing transaction, you authorise RAS to use the information you provide to prepare and manage your file and to coordinate with relevant banks, valuers and professional service providers. A separate advisory agreement may govern fees, scope and transaction-specific obligations; if it conflicts with these terms for that engagement, the signed agreement prevails.

You confirm that information and documents you submit are genuine, complete to the best of your knowledge and may lawfully be shared for the requested purpose. Do not submit another person’s information without authority.

Electronic messages, signatures and records may be used to manage your engagement. Service availability and delivery can depend on third-party email, authentication, messaging and signature providers.

Acceptable use

• Do not attempt to access another user’s account, client file, documents or administrative functions.
• Do not probe, bypass or interfere with security, authentication or access controls.
• Do not upload malicious code, unlawful material or content that infringes another person’s rights.
• Do not use automated means to overload, disrupt or scrape the platform without written permission.
• Do not misrepresent your identity, finances, authority or relationship with RAS or a financial institution.

Third-party services

The platform relies on third parties for functions such as hosting, authentication, email delivery, electronic signatures, valuations and communications. Links to third-party websites are provided for convenience. Their services, availability and processing are governed by their own terms and policies.

RAS is not responsible for a bank’s decision, a third party’s independent advice, or services outside the agreed RAS advisory scope. Nothing in these terms excludes responsibility that cannot lawfully be excluded.

Platform ownership and availability

The RAS website, branding, text, design and platform software are owned by or licensed to RAS and are protected by applicable intellectual-property laws. You may use them for your personal financing enquiry and engagement, but not copy, resell or commercially exploit them without permission.

We may maintain, update, suspend or discontinue parts of the platform. We do not promise uninterrupted or error-free availability. We may restrict accounts or access where reasonably necessary for security, unlawful activity, misuse or breach of these terms, subject to any separate agreement and applicable law.

Liability and mandatory rights

To the extent permitted by law, RAS is not liable for indirect or consequential loss, lost profits, lost opportunities, or losses caused by inaccurate information supplied by a user, decisions of independent lenders or failures of third-party services outside RAS’s reasonable control.

Nothing in these terms excludes or limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or any other liability or consumer right that cannot lawfully be excluded or limited.

Changes, law and contact

We may update these terms as the platform evolves. The current version and update date will appear on this page. Continued use after an update takes effect means you accept the revised terms, without affecting rights that cannot be waived.

These terms are governed by the laws applicable in the Emirate of Dubai and the United Arab Emirates. The courts of Dubai have jurisdiction, subject to any mandatory consumer-protection or jurisdictional rights that apply to you.

If any provision is unenforceable, the remaining provisions continue to apply. Questions about these terms can be sent through the WhatsApp link below.