Website Terms & Conditions

1. About these Terms

These Website Terms and Conditions ("Terms") govern your access to and use of https://ever-risedxb.com and the information, tools and enquiry facilities made available through it. By using the website, you agree to these Terms. If you do not agree, please do not use the website.

2. About EverRise

The website is operated by EverRise Management Group FZE LLC. EverRise provides UAE mortgage advisory and assistance services. EverRise is not a bank or direct mortgage lender and does not itself approve, fund or guarantee mortgages.

Our role may include understanding your requirements, discussing potentially suitable mortgage options from multiple UAE banks or financial institutions, helping prepare applications and supporting you through the process.

3. Website information is general

Information on this website is provided for general information and to help users understand mortgage-related topics and EverRise services. Website content is not a substitute for a bank's official product documentation, Key Facts Statement, offer letter, facility agreement, valuation, legal advice, tax advice or other professional advice relevant to your circumstances.

4. Mortgage eligibility and lender decisions

Mortgage eligibility, pricing, loan-to-value limits, debt-burden requirements, documentation, property acceptability, valuation, credit assessment and other conditions are determined by the relevant bank or financial institution and may change.

Any indication that an option may be suitable, or that an application may meet initial criteria, does not amount to final bank approval. The relevant provider makes the final lending decision.

5. Calculator and estimates

Any calculator, repayment estimate, illustrative rate, loan amount or other numerical output on the website is provided for illustrative purposes only. Actual figures may differ because of bank pricing, fees, insurance/takaful, valuation, property type, customer profile, changing interest/profit rates, calculation conventions and other factors.

You should review the final figures and contractual documents issued by the relevant bank or financial institution before making a commitment.

6. Information you provide

You are responsible for ensuring that information you submit through the website is accurate, current and not misleading. Do not submit information that you are not authorised to provide.

If you ask us to assist with an application, incomplete or inaccurate information may affect the options identified, processing time or outcome.

7. Communications

If you submit an enquiry, calculator form or callback request, you authorise EverRise to use the contact details you provide to respond to that specific mortgage enquiry. Promotional marketing, where applicable, is handled subject to separate permission, consent and opt-out requirements.

8. Intellectual property

Unless otherwise stated, the website design, EverRise branding, logos, original text, graphics and other original materials are owned by or licensed to EverRise and are protected by applicable intellectual-property laws. You may use website content for your own personal, non-commercial reference but may not reproduce, distribute, modify or commercially exploit it without permission.

9. Acceptable use

You must not use the website to:

• violate applicable law or the rights of another person;
• attempt unauthorised access to the website, server, accounts or systems;
• introduce malware, harmful code or disruptive traffic;
• scrape, harvest or misuse data in a way that interferes with the website or infringes rights; or
• submit fraudulent, abusive or deliberately misleading enquiries.

10. Third-party websites and services

The website may link to third-party websites, banks, platforms or services. Links are provided for convenience and do not mean EverRise controls the third party or guarantees its content, availability, security or privacy practices. Third-party terms and policies apply when you use those services.

11. Website availability and changes

We aim to keep the website useful and available but do not guarantee uninterrupted or error-free access. We may update, suspend, remove or change website content, functionality or services when reasonably required.

12. Disclaimers and limitation of liability

To the extent permitted by applicable law, EverRise does not warrant that website content is complete, error-free or suitable for every user's circumstances. Mortgage products, rates, fees and eligibility criteria can change and should be confirmed with the relevant provider.

To the extent permitted by law, EverRise will not be responsible for indirect or consequential loss arising solely from reliance on general website information or from third-party systems outside our reasonable control. Nothing in these Terms excludes or limits any liability or consumer right that cannot lawfully be excluded or limited.

13. Privacy and cookies

Our handling of personal data is described in our Privacy Policy. Our use of cookies and similar technologies is described in our Cookie Policy.

14. Changes to these Terms

We may update these Terms when our services, website or legal requirements change. The updated version will be published on this page with a revised last-updated date.

15. Governing law and jurisdiction

These Terms are governed by the laws of the United Arab Emirates, as applicable. Any dispute relating to the website or these Terms will be subject to the jurisdiction of the competent courts in the UAE, unless applicable law requires otherwise.

16. Contact

Questions about these Terms may be sent to info@ever-risedxb.com.