Effective Date: 9th May 2025
Welcome to Your Finance Tree. These Terms and Conditions outline the principles that guide how we serve you, with clarity, transparency, and trust. By accessing our services, you agree to the following terms designed to protect both your experience and ours.
Definitions
To ensure clarity, here’s what we mean by key terms used throughout these terms:
Tiered Service Structure
Your Finance Tree offers three levels of service:
By proceeding with any paid tier (Plan or Execute), you agree to the terms outlined in your signed service agreement or onboarding documents.
Commitment to Transparency and Trust
We believe clarity is a strategy. We’re committed to providing accurate, timely, and honest insights to support your financial decisions. While we strive to deliver precise guidance, final decisions remain the client’s responsibility, and we encourage independent legal or financial counsel for major commitments.
o 25% on engagement
o 50% upon preapproval
o 25% upon property handover
All fees are shared transparently before engagement begins. By proceeding with a paid tier, you agree to the pricing structure and deliverables outlined in your signed service agreement.
Fair Use of Services
To ensure a secure and fair experience for all users:
Privacy and Data Protection
We are committed to protecting your privacy. All data shared with us is stored securely and used in compliance with relevant UAE data protection regulations. Please refer to our Privacy Policy for full details.
Intellectual Property
All content, resources, and tools provided by Your Finance Tree are proprietary. You may not reproduce, modify, or distribute any material without prior written permission. This includes but is not limited to stress tests, amortization reports, calculators, and advisory frameworks.
Communication and Notifications
By using our services, you agree to receive essential service updates, insights, and reminders via email, SMS, or WhatsApp. You can opt out of non-essential communications at any time by contacting us directly.
Collaboration with Trusted Partners
We may work with approved third-party providers to deliver or enhance certain services. While we carefully select our partners for reliability and quality, we cannot guarantee their services or be held liable for actions beyond our control.
Your Role in Financial Decisions
Your Finance Tree is a guide, not a guarantor. We empower you with information and strategy but the final decision is always yours. You are responsible for ensuring your mortgage repayments remain up to date, as defaulting may result in repossession or legal action. Always consider independent advice before entering into any financial contract.
MAP Concierge and Premium Tier Access
Clients who engage in our Execute tier gain access to a dedicated MAP (Mortgage Advisor Partner), who provides white-glove support throughout the financing journey. This level of service is subject to our premium fee model and requires adherence to the agreed scope and timelines.
Dispute Resolution
Should any issue arise, we commit to resolving it amicably. Clients agree to pursue informal mediation before initiating formal legal proceedings. We believe that mutual respect leads to stronger outcomes.
Service Updates and Revisions
We may update these Terms to reflect service improvements or changes in regulation. The most current version will always be available on our website. Your continued use of our services after updates constitutes acceptance of the revised terms.
Governing Law
These Terms are governed by the laws of the United Arab Emirates. Any legal matters will be handled exclusively by the UAE courts.
Accessibility and Support
We believe financial clarity should be available to all. If you require additional assistance to access our services or materials, please contact our team, we’re here to help.
Our team is available to support you:
Monday to Friday — 9:00 AM to 6:00 PM (UAE Time)
For support, reach out to us by phone, email, or through our official contact form.
By using our services, you confirm your understanding and acceptance of these Terms and Conditions. These terms exist not only to provide legal protection but to uphold the trust and excellence we promise to every client.
Thank you for choosing Your Finance Tree.
Together, we’ll turn your goals into a strategy and your strategy into results.