These Terms and Conditions govern your use of the website and services offered by SELCTUS Financing Services (“SELCTUS”). By accessing our platform or engaging our services, you agree to be bound by the following terms and applicable UAE laws and regulations.

1. Nature of Services

SELCTUS is a financial consultancy and loan facilitation firm. We do not provide direct loans or banking services but connect clients with regulated financial institutions in the UAE.

2. Eligibility

To use our services, you must be at least 21 years old and legally eligible to enter into binding agreements within the UAE.

3. Client Obligations

Clients must provide accurate and complete information during the application and documentation process. Any false or misleading data may lead to cancellation of services.

4. Service Fees

A professional service fee may apply based on the nature of the services provided. This fee will be communicated transparently before any binding engagement.

5. Data Protection & Privacy

All personal and financial data submitted is treated confidentially in accordance with UAE data protection regulations. We do not sell or misuse your information.

6. Third-Party Links

Our website may contain links to third-party platforms or banks. We are not responsible for the content or policies of these external sites.

7. Limitation of Liability

SELCTUS is not liable for any financial loss, delay in processing, or decision made by third-party institutions. Final approval or rejection lies solely with the bank or lender.

8. Changes to Terms

We reserve the right to modify these terms at any time. Updated terms will be posted on our website, and continued use signifies acceptance.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes will be subject to the jurisdiction of UAE courts.

10. Contact

For any questions or concerns regarding these Terms and Conditions, please contact us at info@selctusfinancing.ae or call our support line.