Last updated: 03/04/2026 05:59:55
You are entering into this agreement with Numou LTD.
The following pronouns, which include “we” or “us”, refer to Numou LTD and its affiliates, and the terms “user” and the pronouns “you” and “your” refer to the users of the Numou Platform.
These terms and conditions of use (“Terms of Use”) set out the terms on which Numou is willing to provide the Numou Platform to you and which govern your access and use of the Numou Platform. Please read these Terms of Use carefully before you continue to access and use the Numou Platform. If you do not wish to be bound by these Terms you must not use or continue to access the Numou Platform.
By accessing and/or using the Numou Platform, you agree that you have read, understood, agree with and will abide by all the terms and conditions set forth in the Terms of Use, which are legally binding.
The Numou website is a lender marketplace digital platform (the “Numou Platform”) for Small to Medium Enterprises (“SME’s”) in the United Arab Emirates seeking to apply for business finance.
Please note that if you choose to proceed with a business loan through the Numou Platform, the finance provision will be subject to separate terms and an agreement that you may have to enter into with the relevant lender and for which you should seek your own independent legal advice. We do not provide financial or other advice in relation to the products or services presented on the Numou Platform and the Numou Platform and recommendations are impartial.
The information and materials provided by the Numou Platform and any terms, conditions and descriptions that are provided are subject to change.
We reserve the right, without incurring any liability to you, to amend the Terms of Use (and any other Numou terms) without notice at any time. Updated versions of these Terms of Use will be available on the Numou Platform and will be effective immediately. You are responsible for regularly reviewing the Terms of Use, and your continued use of the Numou Platform following any amendments to the Terms of Use shall be deemed as your acceptance of any such modifications to the Terms of Use. If you do not accept or wish to be bound by the Terms of Use or any amendment thereto, you may not use the Numou Platform, download or use any Content. You are solely responsible for the use of the Numou Platform and the risks involved.
You are also responsible for ensuring that all persons who access the Numou Platform through your internet connection are aware of these Terms of Use and other applicable terms of service, and that they comply with them.
We may transfer our rights and obligations under these Terms of Use to another organisation without notice.
If you breach these Terms of Use (or any of the other Numou terms applicable to you), we may take any action we deem appropriate, including denying you access to the Numou Platform, bringing legal proceedings against you and disclosing information we deem necessary, or are required to disclose, to appropriate legal and/or regulatory bodies.
“Content” means the text, forms, documents, data, information, photographs, video clips, graphics, questions and answers, contact data and all other material of whatever nature and in whatever form or format available on the Numou Platform, created by us or by third parties.
Any words following the terms "including", "include", "in particular", "for example" or any similar expression shall be construed as illustrative and shall not limit the generality of the relevant generic words.
You understand and agree that no Content on the Numou Platform constitutes a recommendation for any specific investment, portfolio, transaction, or investment strategy for you or any other individual. Neither we, our information providers, affiliates, nor any third parties will offer personal advice regarding the suitability, advisability, or value of any particular investment, portfolio, transaction, strategy, or related matter.
The Content and materials available on the Numou Platform are for informational purposes only. Specifically, Content does not represent advice, offers, solicitations, invitations, or recommendations to buy or sell securities, investments, or other financial products. Such materials should not be relied upon for making or refraining from making specific financial decisions. We strongly advise consulting an independent financial advisor before making any financial decisions.
You acknowledge that the prices, descriptions, and financial data provided on the Numou Platform are as provided by third parties for which third parties are solely responsible. Numou does not verify, and shall not be deemed to have verified, any such information and shall not be liable for any such information available on the Numou Platform. However, such data and calculations are not guaranteed by these sources, by us, or by any other entity and may be incomplete or inaccurate. You agree that any calculations or profiles derived from this data are subject to potential errors.
Nothing on the Numou Platform constitutes an offer, solicitation, or distribution of investments or related services in any jurisdiction.
Financial markets evolve constantly, and previously published Content may become outdated. Such Content should not be relied upon as current or accurate.
Rates displayed on the Numou Platform are indicative and are provided by lenders and are solely under the control of the lenders. Numou does not participate in or has any role to play in the terms and conditions for any possible lending or borrowing activity conducted through the Numou Platform. We do not guarantee that the advertised rates will be available at any given time.
You acknowledge that we, our affiliates, employees, or other connected parties may have interests, relationships, or arrangements material to a transaction you undertake on the Numou Platform, which could result in conflicts of interest. Unless required by law, we are not obligated to disclose such conflicts or provide an account of related interests to you. The services offered via the Numou Platform remain independent and unbiased, regardless of such potential interests or arrangements.
Our Privacy Policy ("Privacy Policy”) sets out how we and our partners and service providers (not including the lenders) collect, process and use your information. If you decide to purchase, engage or make further queries about a product or service through the Numou Platform, you will be directed to the product or service provider's website and the information you have provided may be passed to such providers to allow them to fulfil your request.
In the event of any inconsistency or conflict between a provision of these Terms of Use and a term of the Privacy Policy, the provision set out in the Privacy Policy shall prevail to the extent of such inconsistency or conflict. Also note that Financial Institutions and other parties will have their own specific Privacy Policies detailing how they collect, process and use your personal information.
The Privacy Policy is governed by and is incorporated into the Terms of Use by reference (together referred to as the "Agreement"). Please refer to the Privacy Policy located at Numou.ae/Privacy for more details.
If your details change, remember that you need to update your Account so we can continue to accurately provide you with our services (you can also update your preferences in there).
The Numou Platform contains links (including browser extensions or similar applications) to websites (including social media platforms) operated by other organisations. Some of these websites will contain our branding and logo, these websites should only be accessed if you agree to the Terms of Use. These links are provided for your ease only and you should not imply any endorsement by us of the products and/or services provided by the organisations who manage and provide these links.
How these websites are managed and the contents of them are determined by the organisations who operate them. Access to other websites may be subject to different terms and conditions to those which apply to your use of the Numou Platform. We do not accept responsibility or liability for the contents of any third party websites or applications and do not make any representations about (nor do we endorse in any way) any materials or services available on or from such third-party websites or applications (including the login or provision of registration access). Such link or connection does not imply sponsorship by us, affiliation with us, or endorsement by us of any third party or of any third-party website or application. We do not in any way guarantee that such links or communications (including browser extensions or similar applications) will be free from errors, inaccuracies or omissions, or that they will be suitable for any purpose.
Accessing third-party content is at your own risk.
In order to use the Numou Platform features you are required to register with us by following the registration process. You may first be redirected to https://selfcare.uaepass.ae/ where you will be asked to create a UAE Digital Identity (“UAE Pass”) account, by submitting some basic data about yourself (including your name and email address).
We have the right to disable any user identification code or password, whether chosen by you or assigned to you, at any time, if we reasonably believe that you have not complied with any provision of the Terms of Use (or any other terms applicable to you).
You must not share your Numou Platform password, PIN, one-time links or any other verification codes we make available to you with any third party.
If you know or suspect that anyone other than yourself knows your user identification code or password, you must notify us immediately by sending an email to: Support@Numou.ae.
Applicants wishing to request financing on the Numou Platform are requested to note the following:
(a) UAE business owners of any nationality can apply for financing solutions on the Numou Platform (please note that an Emirates ID account is mandatory to verify applicants wishing to register on the Numou Platform).
(b) Applicants wishing to register on the Numou Platform must be of legal age to enter into a legally binding contract under civil, commercial and personal laws applicable to such applicants.
(c) The Numou Platform is for Small Business finance only and the applicant must be either the sole business owner or have the relevant legal authority to apply for finance on behalf of the applicant company.
(d) Applicants will be required to upload all identification details of the shareholders of the applicant company.
(e) Applicants may be required to upload details of financial statements such as Annual Accounts, P&L statements and Banks Statements in respect of the applicant company.
You acknowledge that eligibility conditions set out herein are subject to change and registration of an application on the Numou Platform may be refused discretionally by us.
We do not carry out credit checks on you when you use the Numou Platform to find a financial product or service, however, our partners and service providers will refer to credit reference agencies to ascertain whether the applicant company is eligible for a particular product or service and that you meet their eligibility criteria.
Applications for finance on the Numou Platform will be subject to verification procedures and may be accepted or rejected at Numou’s sole discretion and without any liability or any grievance procedures.
You must only use the Numou Platform for legitimate business financing purposes. Once you have created your Account, you will be asked to provide information about the applicant Company and the loan request, this will require information such as a copy of your trade licence and financial information (such as bank account details and any other information required). These information requests are designed to ensure that we and all relevant product or service providers and partners have all the information necessary to provide you with accurate, appropriate, and timely information relating to the products and/or services that may be suitable to you.
You must provide accurate and complete information when using the Numou Platform so that we, or our selected third parties, can provide appropriate options. All products or services, the level of funding and the amount you pay is largely determined by the answers you provide to the questions you are asked. [If you fail to provide accurate responses to our questions:
(a) any product purchased may be void (meaning you will not be able to make a claim); and/or
(b) you may have to pay additional fees to reflect any increased risk as a result of providing incorrect information.
To purchase the majority of the products or services available on the Numou Platform you will be required to connect with the product or service provider directly. [Some of these products and services can be purchased directly on the Numou Platform via selected third parties, however, where this occurs your contract for such relevant product or service will be directly with that product or service provider.]
[If we generate any renewal for you, you must check that the information within that quote is accurate and up to date before you purchase the product or service that quote relates to.]
To be provided
Numou or the assigned lender(s) may request other information from the applicant in relation to the loan application. We will only process your personal information in accordance with our Privacy Policy [and Cookies Policy
We reserve the right, but disclaim any obligation, to monitor content submitted by users of the Numou Platform or take any action to restrict access to material displayed or distributed through the Numou Platform in breach of the Terms of Use.
We do not warrant that the Numou Platform will be free of bugs or viruses and we do not guarantee any minimum levels of operation or service with respect to the Numou Platform. The Numou Platform may be updated from time to time in accordance with the terms set out below. Depending on the update, you may not be able to use the Numou Platform or (or any part of it). To the extent possible, users will be alerted about times of temporary outages prior to any Numou Platform updates.
The Numou Platform is provided subject to all the Terms or Use and all other terms applicable to you, to the fullest extent permitted by law.
The Numou Platform and all Content, materials, information, products, and services provided on or through the Numou Platform are offered on an "as is" and "as available" basis, without any warranties, representations or guarantees of any kind, whether express or implied.
We make no representations, warranties or guarantees, whether express or implied, that the Numou Platform and its Content (or any part thereof):
(a) shall be always available, or available at all, stored or save;
(b) is true, reliable, complete, appropriate, current or accurate; or
(c) is free from defects, errors, viruses or other harmful components.
We do not guarantee that any issues with the Numou Platform will be resolved or that any specific features will be available at all times.
Use of the Numou Platform and reliance on the Content is entirely at your own risk, and we (and our affiliates) will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
(a) use of, or inability to use, the Numou Platform; or
(b) use of or reliance on any Content.
In particular, we will not be liable for:
(a) loss of profits, sales, business, or revenue;
(b) business interruption;
(c) loss of anticipated savings;
(d) loss of business opportunity, goodwill or reputation; or
(e) any indirect or consequential loss or damage.
We nor any affiliate are responsible for any compensation, fees, penalty, or liability whether direct, indirect, secondary, consequential, special, penal, punitive, other financial whatsoever or otherwise, nor for any loss of data, disclosure thereof, loss of reputation or goodwill (collectively, “damage”) whatsoever, whether such damage was foreseeable or not, arising out of or related to the use of, or the inability to use, the Numou Platform or any reliance on the Numou Platform or the Content. Your sole and exclusive legal remedy with respect to dissatisfaction with the Numou Platform and/or Content is to stop using the Numou Platform and/or Content.
We are not responsible for any loss or damage caused by any virus, distributed denial-of-service attack, or other technologically harmful material that may affect or infect your computer equipment, data, tablets, mobile devices, or other owned materials due to your use of the Numou Platform, your downloading of any Content from the Numou Platform, your use of or your downloading of any information or materials from any other websites or applications linked to the Numou Platform, or due to any disclosure of such materials or data by any third party.
You agree to defend, indemnify, and hold us, our affiliates, and our officers, directors, employees, representatives, successors, assigns, and agents (and their licensors, advertisers, suppliers, and operational service providers) from and against any claims, expenses, costs, suits, demands, obligations, judgments, and settlements (including such reasonable legal fees) resulting or alleged to result from your use of the Numou Platform and/or the Content and/or any breach of the Terms of Use.
We reserve the right to assume the exclusive defence and control of any demand, claim or action arising out of the Terms of Use or in connection with the Numou Platform and all settlement or conciliation negotiations. You agree to cooperate fully with us in the defence of any demand, claim, proceeding, and settlement or conciliation negotiation as required by us.
Neither we nor any of our affiliates are responsible for any Content or services provided by you or any third parties nor for the Content of any other websites or applications linked or connected to the Numou Platform.
We accept no liability for any omission or failure to store or transmit any Content or other information saved or transmitted by the Numou Platform. We are not responsible for the accuracy or reliability of any information or Content transmitted through the Numou Platform. We may, at any time, restrict or discontinue your use of the Numou Platform in whole (or any part thereof) at our sole discretion and without incurring any liability to you.
We own or have permission to use all Intellectual Property Rights, information, data and copyright material pertaining to or contained on the Numou Platform and in the Content. Those works are protected by copyright and other intellectual property laws and treaties around the world. All such rights are reserved. You must not use such information or copyright material unless you have written permission from us or the owner to do so.
You may download or copy the content and other downloadable items displayed on the Numou Platform to assist with a purchasing decision only, if you are not otherwise breaching these Terms of Use. You will not reproduce, convert, share, distribute, translate or provide any third-party access to any of the Content made available on the Numou Platform, or any Content we deliver to you, without our prior written consent. You must not modify the paper or digital copies of any materials received from the Numou Platform which you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of Content on the Numou Platform must always be acknowledged.
You are not permitted to use any of our trademarks, service marks or trade names without our prior written consent.
Other than as set out above and other than when viewing the Numou Platform on your electronic device you are not granted any licence to use or view the Content and Intellectual Property Rights contained on the Numou Platform.
In particular, you must not use any part of the Content for commercial purposes (other than obtaining business financing for the applicant company) without obtaining a licence to do so from us or our licensors. You will not: (i) modify, display, distribute, reproduce, transmit, publish, sell, re-sell, adapt, reverse engineer, or create derivative works of the Content and Intellectual Property Rights contained on the Numou Platform; or (ii) use the Content and Intellectual Property Rights contained on the Numou Platform on other web sites or any media (e.g. social media) without our prior written consent.
If you violate any terms in this Section 13 (“Intellectual Property”), your right to use the Numou Platform will cease immediately.
You shall retain ownership of all copyright in data you upload or submit to the Numou Platform, however, you grant us a world-wide, perpetual, exclusive, royalty-free, non-terminable licence to use, copy, distribute, publish and transmit such data in any manner.
We do not warrant or represent that the Content of the Numou Platform does not infringe the rights of any third party.
"Intellectual Property Rights" means all inventions (whether patentable or not), patents, utility models, petty patents, registered designs, design rights, database rights, copyright and related rights, moral rights, semiconductor topography rights, plant variety rights, trademarks, service marks, logos, get up, trade names, business names, domain names, (in each case whether registered or unregistered) and including any applications for registration and any renewals or extensions of any of the foregoing, and, in each case, the goodwill attaching to any of the foregoing, rights to sue for passing off or for unfair competition, all know how, confidential information and trade secrets and any rights or forms of protection of a similar nature or having equivalent or similar effect to any of them which subsist anywhere in the world”.
If we discover that you have used any Content that is protected by Intellectual Property Rights in violation of the Terms of Use, we and any of our affiliates may take legal action against you, seek monetary damage, obtain a restraining order or any other remedy against you. You may also be obligated to pay legal expenses and costs.
You agree not to use the Numou Platform and/or any Content in any manner that is:
(a) illegal or for any illegal purpose; or
(b) in any way contrary to the Terms of Use; or
(c) fraudulent or malicious, for example, by hacking or introducing malicious code, including viruses or harmful data, into any of them or in any operating system; or
(d) unauthorised or in breach of local, federal or international laws or regulations.
We reserve the right at all times to cancel or restrict your access to the Numou Platform at our sole discretion and for any other reason whatsoever.
You will not do anything that affects the integrity or security of the Numou Platform, or cause, or may cause harm, damage or unreasonable inconvenience to us or other users’ use of the Numou Platform.
“Confidential Information” means all information disclosed or made available by one party to the other party in connection with the Numou Platform, which is not otherwise available on the Numou Platform, whether directly or indirectly (including via affiliates or advisers), and in whatever form (including orally). The “Discloser” means the party disclosing the Confidential Information and the “Recipient” means the party receiving the Confidential Information.
Confidential Information includes: (a) the fact that discussions and negotiations are taking place for the purpose of assessing, arranging and providing financing products to the applicant through the use of the Numou Platform (“Purpose”) and the status of those discussions and negotiations; (b) any information that would be regarded as confidential by a reasonable business person relating to: (i) the business, assets, affairs, customers, clients, suppliers, or plans, intentions, or market opportunities of the Discloser; and (ii) the operations, processes, product information, know-how, designs, trade secrets or software of the Discloser; and (c) the existence and terms of the Agreement.
Confidential Information does not include information that: (a) is or becomes generally available to the public (other than as a result of its disclosure by the Recipient or its representatives in breach of this clause); (b) was available to the Recipient on a non-confidential basis before disclosure by the Discloser; (c) was, is or becomes available to the Recipient on a non-confidential basis from a person who, to the Recipient’s knowledge, is not bound by a confidentiality agreement with the Discloser or otherwise prohibited from disclosing the information to the Recipient; or (d) the Discloser and Recipient agree in writing is not confidential or may be disclosed.
In consideration of the Discloser agreeing to disclose Confidential Information to the Recipient, the Recipient undertakes to the Discloser: (a) to keep all Confidential Information confidential, and to ensure that all Confidential Information is protected with appropriate security measures and a degree of care no less stringent than it would apply to its own confidential information; (b) not to use or exploit the Confidential Information in any way, except for or in connection with, the Purpose; and (c) to keep confidential the fact that the Confidential Information has been made available or that discussions are taking place between the Discloser and Recipient in connection with the Purpose, except as provided below.
The Discloser agrees that the Recipient may disclose its Confidential Information: (a) to its personnel and advisers on a need-to-know basis in connection with the Purpose, subject to appropriate confidentiality obligations being in place before any disclosure; (b) to the extent such Confidential Information is required to be disclosed by law, by any governmental or other regulatory authority or by a court or other authority of competent jurisdiction provided that, to the extent it is legally permitted to do so, it gives the other party as much notice of such disclosure as possible; (c) with the Discloser’s prior written consent; and/or (d) where we are the Recipient, we may disclose Confidential Information to third parties (not being other applicants or competitors of the relevant applicant in the relevant market).
The Recipient acknowledges that some or all of the Confidential Information is or may be trade/business secret or other trade/business/price sensitive information and that the use of such information may be regulated or prohibited by applicable legislation including securities law relating to insider dealing or market abuse and undertakes not to use any Confidential Information for any unlawful purpose.
We reserve the right to collect and use non-personally identifiable information related to your use of the Numou Platform, including anonymous tracking and informing third party statistical service providers about your activity on the Numou Platform. By using the Numou Platform, you consent to us collecting and using your technical information, including software, hardware and computer parts, to improve the Numou Platform and provide any services to you.
We may, at our discretion, issue a warning, temporarily suspend, permanently suspend or cancel your access to and use of the Numou Platform without notice, for any reason, including breach of the Terms of Use or any other conduct that we deem unlawful or harmful to us or others. In the event of termination, you are no longer permitted to access or use the Numou Platform, and we will use any means available or necessary to enforce such termination.
We may update or change the Numou Platform sporadically (including all Content) at any time. The Content on the Numou Platform may not be up to date at any time and we are under no obligation to update it (or any part thereof). In no way do we warrant that our Numou Platform or any Content will contain the latest updates, be free from errors, inaccuracies, omissions or be fit for any purpose.
We do not guarantee that the Numou Platform will be secure or free from bugs, viruses, "Trojan Horses", or any other type of malicious code, file or programme, although we deploy reasonable security measures.
You are responsible for configuring your information technology, computer programmes and platform to access the Numou Platform. You should use your own virus protection software.
You must not misuse the Numou Platform by knowingly uploading any content that contains a software virus, a "Trojan Horse" or any other computer code, file or programme that may alter, damage or interrupt the functionality of the Numou Platform or the hardware or software of any person who accesses the Numou Platform and you must take reasonable precautions to ensure that any such uploaded content is screened for such things.
You must not attempt to gain unauthorised access to the Numou Platform, the server on which the Numou Platform is stored or any server, computer or database connected to Numou Platform. You must not attack the Numou Platform via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you may commit a criminal offence under the UAE Cybercrime Law No 5 of 2012 and/or under other laws. 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 the Numou Platform will cease immediately.
The Terms of Use and your use of the Numou Platform shall be governed by and construed in accordance with the laws of the Abu Dhabi Global Market.
In the event of any dispute between you and us arising out of or in connection with the Terms of Use which cannot be settled amicably, the matter in dispute shall be referred for final settlement to the competent court in the Abu Dhabi Global Market.
If any provision of the Terms of Use are held by a competent authority to be invalid or unenforceable, the remaining provisions of the Terms of Use will not be affected and will remain valid.
If any provision of the Terms of Use is or becomes illegal, invalid, or unenforceable but would be legal, valid and enforceable if some part of it was deleted or modified, the term or partial term in question shall apply with such deletions or modifications as may be necessary to make the provision legal, valid and enforceable.
The Terms of Use will only apply as between us and you. Unless as otherwise stated in these Terms of Use no other person may benefit or rely upon these Terms of Use.
Nothing in these Terms will constitute an offer or promotion for services or products outside of the UAE.
When using other parts of the Numou Platform, other terms and conditions may apply.
All disclaimers, indemnities, and exclusions outlined in the Terms of Use shall remain in effect even after the Terms of Use are terminated. They will also continue to apply during any suspension or periods when the Numou Platform is unavailable for your use, regardless of the reason.
The Terms of Use, along with all related terms, policies, and referenced documents concerning the Numou Platform, constitute the entire agreement between you and us regarding your use of the Numou Platform and the services provided through it. This agreement replaces any prior or concurrent representations, communications, or agreements, whether written or oral, between you and us. The Terms of Use are published in English. The English language shall be the binding and controlling language for all matters relating to the meaning or interpretation of the Terms of Use.
If you wish to object to any Content, we would kindly request you to contact us in writing by sending an email to Support@Numou.ae Please ensure that the contested Content is clearly identified and provide details indicating the basis of your objection and the action(s) you are asking us to take in relation to such Content. Kindly provide your full contact details so that we can discuss the matter with you and take appropriate action in the event of any such objection. We will take all reasonable measures to investigate objections and, if necessary, we will delete the relevant Content. However, as indicated above, we are in no way responsible for any third-party service providers.
To contact us, please send your email to: Support@Numou.ae.
If you have a complaint about a product or service that you have purchased via the Numou Platform, then you should complain directly to the relevant product or service provider who supplies or supplied that product or service via their complaints procedure which can be found on their website. We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints.
The Numou Platform and its Content are subject to copyright. All rights reserved. You may not, except with our written permission, distribute or commercially use the Numou Platform or Content.
