This page (together with the documents referred to on it) tells you the terms of use on which you may make use of the website which is operated by LNDDO Digital Lending Ltd. (“LNDDO”), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

1. General
1.1 The terms “we”, “us”, or “our”, refer to LNDDO.

1.2 LNDDO is registered in the Abu Dhabi Global Market (AGDM), with UAE Commercial License Number 00005249. Registered office: Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, UAE.

1.3 We are authorized and regulated by the Abu Dhabi Global Market (AGDM) and Financial Services Regulatory Authority (FSRA) .
1.4 These terms of use have no fixed duration.

2. Accessing our site
2.1 We reserve the right to withdraw, suspend, amend the service we provide on our site without notice (see below) or close it indefinitely. We bear no liability for the unavailability of our site for any reason at any time or any period.
2.2 We reserve the right to restrict access to any parts or our entire site for our registered users.
2.3 Any chosen or provided user identification codes, passwords, or any other pieces of information as part of our security procedures, must be treated as confidential, and you may not disclose it to any third party. We reserve the right to disable any user identification code or password at any time if we suspect that you failed to comply with any of the provisions of these terms of use and/or for fraud and identity theft prevention purposes. If you know or suspect that anyone other than you has access to your user identification code or password, you must immediately notify us using the contact details on our main homepage.
2.4 When using our site, you must comply with the provisions of our acceptable use policy.
2.5 You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and that they comply with them.
2.6 We process information about you in accordance with our privacy policy. By using our site, you warrant that all data provided by you is accurate.
2.7 We aim to update our site regularly and may change the content at any time. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.
2.8 We try to meet the highest standards of accessibility, but cannot guarantee that this site will be compatible with all hardware and software that may be used by visitors to the site.

3. Transactions concluded through our site
LNDDO is in the business of providing financial services to companies incorporated and operating in the UAE through its state-of-the-art infrastructure and technology. The loans can vary from borrower to borrower depending on the requirements and repayment capabilities. LNDDO uses the information collected through its website and mobile application and appropriately notifies the user to manage its business and offer a personalized application journey for each user. Further, it enables LNDDO to:
• Process applications, requests, and transactions
• Maintain internal records as per regulatory guidelines
• Provide services to customers, including responding to customer requests
• Comply with all applicable laws and regulations
• Recognize the user when an online transaction is conducted
• Understand customer needs and provide relevant product and service offerings and customized offers
• Obtain necessary rankings/ratings from various agencies (including AECB)

4. Materials in site and software rights
4.1 All copyrights, trademarks, patents, design rights, and other intellectual property rights relating to our site and the materials published on it (including, but not limited to, the underlying software, the design, graphics, layout, feel, and structure of our sites) will be and remain the sole property of us or our licensors. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
4.2 You shall retain ownership of all copyright in data you upload or submit to the Site. You grant us a worldwide, perpetual, exclusive, royalty-free, non-terminable license to use, copy, distribute, publish and transmit such data in any manner.
4.3 Use, download, printing, and storing of the material on this site for commercial purposes is not permitted unless a license to commercially use such materials is obtained from us and we
must be cited as the author in such use. Redistributing, republishing, copying, adapting any materials, or otherwise making material on this site available to third parties is prohibited. You may not use any illustrations, photographs, video or audio sequences, or any graphics separately from any accompanying text.
4.4 If you print, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must return or destroy any copies of the materials you have made.

5. Our liability
5.1 The content and material available on the Site are for informational purposes only and are not intended to address your particular requirements. In particular, the content and material available on the Site do not constitute any form of advice or recommendation by us, should not be regarded as an offer, solicitation, invitation, or recommendation to buy or sell investments, securities or any other financial services, and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. We recommend that you seek independent advice from a financial advisor before making any such decision.
5.2 You acknowledge and agree that prices, descriptions, and other financial data made available on the Site are compiled from third-party sources believed to be reliable, and where possible such data is verified by us as far as is commercially possible. Notwithstanding this, you acknowledge and agree that the calculations, profiles, and data available on the Site are made using such third-party data and that neither such data nor such calculations are guaranteed by these sources, by us, nor by the information providers or any other person or entity and may not be complete or accurate.
5.3 Our sites may contain links to other sites, which are provided for your information only. The contents of those sites or resources are outside our control and are not covered by these terms and conditions. If you access other sites using the links provided, we accept no responsibility for the content of those sites, for the way in which they deal with you or use any information they may acquire about you, or for any loss or damage that may arise from your use of them.
5.4 The material displayed on our site is provided without any representations, guarantees, conditions, or warranties as to its accuracy, completeness, or that the content is updated. To the extent permitted by law, we, other members of our group of companies, and third parties connected to us hereby expressly exclude:
5.4.1 all conditions, warranties, and other terms, which might otherwise be implied by statute, law, or the law of equity;
5.4.2 any liability for any direct, indirect, or consequential loss or damage incurred by any user in connection with our site or connection with the use, inability to use, or results of the use of our site, any websites linked to it, and any materials posted on it, including but not limited to:
a) loss of income or revenue; b) loss of business, loss of business opportunity or other economic loss; c) loss of profits or contracts; d) loss of anticipated savings; e) loss or corruption of data; f) loss of goodwill; g) business interruption, wasted management or
office time; and in all the above cases, whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
5.5 These terms and conditions do not exclude our liability (if any) to you for losses resulting from our gross negligence, or our liability for fraud, nor any other liability which cannot be excluded or limited under applicable law and do not affect your statutory rights.
5.6 Arrangements made between you and any third party named or referred to on the site are entirely at your sole risk and responsibility.
5.7 You acknowledge and agree that rates advertised by us on the Site are indicative only and are subject to economic, business factors, and other factors outside of our control and we do not guarantee that the rates advertised will be available to you at any point in time.
5.8 Nothing included in the site constitutes an offer or solicitation to sell, or distribution, investments, and related services to anyone in any jurisdiction.
5.9 References that may be made on our site to prior investments or data we have published may be selective or maybe partial. Such previously published information and data may not be current and should not be relied upon.
5.10 We do not warrant or represent that the content of the Site does not infringe the rights of any third party. 5.11 In any case, our total liability to you in connection with these Terms, and any other terms you may subscribe to in connection with your use shall not exceed AED 800.
5.12 All exclusion and limitations of liability set out in these Terms shall apply to the fullest extent permissible under the applicable law.

6. Your liability
6.1 You shall compensate us in full if we incur any losses or if any claims or legal proceedings are brought or threatened against us by any other person arising from your use of our website, as well as any information uploaded by you on our site.
6.2 You agree to indemnify and hold us harmless from any liability, loss, claim, and expense (including reasonable legal fees) related to any breach by you of these terms and conditions or arising from your use of our site, including any information uploaded by you on our site.
6.3 You acknowledge and agree that we, one of our affiliated companies, officers, employees, or some other person connected with us may have an interest, relationship, or arrangement that is material to an investment or transaction you enter into via the Site and which could give rise to a conflict of interest. You agree that we shall not be required to disclose such conflict of interest to you and that there will be no obligation for us to account to you for any such interest, relationship or arrangement, unless required by the applicable law. The services provided via the Site are unbiased and provided independently and with no regard to any such interest, relationship or arrangement.
6.4 To enjoy the provided services on the site, you must be a minimum of 21 years old (measured according to the Gregorian calendar) and have full legal capacity. You warrant,
represent, and undertake that you possess the legal right and experience, knowledge, and ability to apply for the services in accordance with these terms.
6.5 To access our services and certain restricted parts of the site you are required to register for the provided services.
6.6 To for the services you will be required to follow a sign-up process. Firstly, you will be required to submit some basic details about yourself (including your name and email address) and shall be prompted to choose a unique user name and password, and may be asked to provide answers to certain security questions. These are the methods used by us to identify you and so you must keep them secure at all times.
6.7 You will be required to submit detailed KYC information. We will also require you to provide proof of identity and current address (for you or your business), to comply with our anti-money laundering obligations. Applications will be subject to an approval process and may be accepted or rejected at our sole discretion.
6.8 You warrant, represent, and undertake that the information you provide about yourself during the registration process is accurate, current, and complete.

7. Uploading material to our site
7.1 Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with the content standards set out in our acceptable use policy. You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
7.2 We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site. Such information does not represent our views and values.
7.3 We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply with the content standards set out in our acceptable use policy.
7.4 If you upload any material on our site that is in breach of any intellectual property or privacy rights, we have the right to disclose your identity to the third party claiming such breach.

8. Viruses, hacking, and other offenses
8.1 You must not misuse our site by introducing viruses, Trojans, worms, logic bombs, or other material, which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored, or any server, computer, or database connected to our site.
8.2 By breaching this provision, you would commit a criminal offense under the Federal Law on Combating Cybercrimes of 2012. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
8.3 We will not be liable for any loss or damage caused by viruses or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

9. Linking your bank account
9.1 When you create a user account, you will have the ability to link your bank account. (note that this service is limited to bank accounts provided by certain banks). For this section 9, this service will be referred to as our “Open Banking Service”.
9.2 When you consent to link your bank account, we will receive details of all transactions that have taken place on that account in the last 5 years. We will have ongoing access to this data for 90 days following your request to your bank to link the bank account. During this time, you will be able to revoke our access at any time by logging into your account. Please note that even after our access has expired (or revoked) we will keep records of the transaction data in accordance with our Privacy Policy.
9.3 To link your bank account, you will be directed to a secure webpage hosted by your bank, at which point you will be prompted to enter your online banking credentials. It is your responsibility to ensure that your online banking credentials are kept safe and confidential and you should contact your bank directly if you believe that they have been compromised or disclosed in any way.
9.4 Any information or notifications concerning our Open Banking Service (including fraud or security threats) will be communicated to you at the email address which you use to log in to your account.
9.5 The terms of our Open Banking Service (as outlined in section 10) are in English and any communications with you concerning them will be in English.
9.6 You have the right to request a copy of the terms of our Open Banking Service at any time.
9.7 We will provide you with at least a 2-week notice before making any changes to the terms of our Open Banking Service. During the notice period, you will have the right, without charge, to stop using our Open Banking Service and revoke our access.

10. Jurisdiction and applicable law
The Abu Dhabi Global Market (AGDM) and Financial Services Regulatory Authority (FSRA) govern all our agreements and covenants. For any disputes and settlement wrt. Services offered by LNDDO, the jurisdiction shall solely be ADGM, Abu Dhabi, UAE.

11. Complaints Any complaints with regards to LNDDO’s services should be directed to support@lnddo.com.

12. Variations
Without prejudice to the provisions of clause 9.7 above, we reserve the right to change these terms and conditions from time to time, and the amended terms will be posted on this website.
You are expected to check this page from time to time to take notice of any changes we make, as they are binding to you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

13. General
We may perform any of our obligations, and exercise any of the rights granted to us under these Terms, through a third party. We may novate and assign any or all our rights and obligations under these Terms to any third party.
If any clause or part of any clause of these Terms is found to be void, unenforceable, or invalid, then it will be severed from these Terms, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of these Terms.
No single or partial exercise or failure or delay in exercising any right, power, or remedy by us shall constitute a waiver by us of, or impair or preclude any further exercise of, that or any right, power, or remedy arising under these terms and conditions or otherwise.
All disclaimers, indemnities, and exclusions in these Terms shall survive termination of the Terms, and shall continue to apply during any suspension or any period during which the Site is not available for you to use for any reason whatsoever.
These Terms and the documents referred to in them set out the entire agreement between you and us with respect to your use of the site and the services provided via the site and supersede all prior or contemporaneous representations, communications, or agreements (written or oral) made between you or us.
If you have any concerns about material, which appears, on our site, please contact us at support@lnddo.com or call us on +971 58 8134 176