Terms and Conditions

1. About Our Services

Leom provides mortgage brokerage and related financial services in the UAE.

Our services may include assistance with:

• New property purchase financing
• Mortgage buyout/refinancing
• Mortgage buyout with equity release
• Loan against property
• Off-plan property financing
• Mortgage eligibility assessment
• Mortgage consultation and application support

Our role is to assist clients in understanding and accessing available financing options.

2. No Guarantee of Approval

Submitting an enquiry or application through Leom does not guarantee mortgage approval.

All financing decisions are made by the relevant bank or financial institution based on its own eligibility criteria, policies, credit assessment, valuation, documentation, and regulatory requirements.

Interest/profit rates, financing amounts, loan tenures, fees, and other terms are subject to lender approval and may change.

3. Information Provided by Users

You agree that information and documents provided to Leom are accurate, complete, and up to date.

You must notify us if any information changes during the application process.

Providing inaccurate, misleading, incomplete, or fraudulent information may result in delays, rejection of an application, or termination of our services.

4. Financial Information and Advice

Information published on our website is provided for general informational purposes and should not be considered a guarantee of financing or personalized financial advice.

Mortgage eligibility and affordability depend on individual circumstances and lender requirements.

Before entering into any financial commitment, you should consider your circumstances and obtain appropriate professional advice where necessary.

5. Third-Party Lenders

Leom may introduce or submit applications to banks and other financial institutions.

Each lender operates independently and may have its own:

• Eligibility criteria
• Interest or profit rates
• Fees
• Documentation requirements
• Credit policies
• Valuation requirements
• Approval procedures

Leom does not control the decisions, policies, or processing times of third-party lenders.

6. Website Content

We make reasonable efforts to keep website information accurate and current.

However, mortgage rates, banking policies, regulations, fees, eligibility requirements, and market conditions may change.

We do not guarantee that all website content will always be complete, accurate, current, or applicable to every individual.

7. Calculators and Estimates

Any mortgage calculators, repayment estimates, affordability tools, or other calculations provided on our website are for illustrative purposes only.

Actual figures may differ depending on the lender, applicable rate, fees, property value, applicant profile, and final approval terms.

Users should not rely solely on website calculations when making financial decisions.

8. Website Use

You agree not to:

• Use the website for unlawful purposes
• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with website functionality
• Copy or reproduce website content without permission
• Use our website to distribute malicious software or harmful material

9. Intellectual Property

Unless otherwise stated, the content on this website, including text, graphics, logos, designs, images, trademarks, and other materials, belongs to or is licensed to Leom.

You may not reproduce, modify, distribute, publish, or commercially exploit our content without prior written permission.

10. Third-Party Links

Our website may contain links to third-party websites or services.

These links are provided for convenience. Leom does not control or guarantee the content, availability, security, or accuracy of third-party websites.

11. Limitation of Liability

To the extent permitted by applicable law, Leom will not be responsible for losses arising from:

• A lender's decision to approve or reject financing
• Changes in interest/profit rates
• Changes in banking or regulatory requirements
• Property valuation differences
• Delays caused by third parties
• Inaccurate information provided by users
• Reliance on general information published on the website
• Events outside our reasonable control

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

12. Service Availability

We aim to keep our website available and functioning properly but do not guarantee uninterrupted access.

We may temporarily suspend, modify, or discontinue parts of the website for maintenance, security, technical, or business reasons.

13. Privacy

Your use of our website is also subject to our Privacy Policy, which explains how we collect, use, store, and protect personal information.

14. Changes to These Terms

Leom may update these Terms and Conditions from time to time.

The updated version will be published on this page with a revised "Last Updated" date. Your continued use of the website after changes are published constitutes acceptance of the updated Terms.

15. Governing Law

These Terms and Conditions shall be governed by the applicable laws of the United Arab Emirates and, where applicable, the relevant laws and regulations of the Emirate in which Leom operates.

Any disputes shall be subject to the jurisdiction of the competent courts of the UAE, unless otherwise required by applicable law.

16. Contact Us

For questions regarding these Terms and Conditions, please contact: