These Terms and Conditions ("Terms") govern your access to and use of the MySilah.ae website, mobile platforms, and related services (collectively, the "Platform"). By accessing or using MySilah.ae, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.
MySilah.ae ("MySilah", "we", "our", or "us"), operated by Silah L.L.C-FZ, Meydan FreeZone, Dubai, UAE, is a UAE-based digital financial marketplace and lead management platform. We act as an aggregator connecting individual and business customers with licensed banks, FinTech companies, and financial institutions in the United Arab Emirates for both Conventional and Islamic financial products. We act solely as a digital introducer, aggregator, and lead facilitation platform. MySilah.ae is not a bank, lender, finance company, broker, investment advisor, or credit provider and does not have the authority to represent, bind, negotiate on behalf of, or make commitments for any bank, financial institution, or third-party provider. We do not participate in credit decision-making, underwriting, pricing, or approval processes.
By using the Platform, you confirm that:
MySilah.ae provides:
MySilah.ae does not provide banking, credit, or financial advice and does not approve or issue financial products. Any product comparisons, eligibility indicators, calculations, or information displayed on the Platform are indicative only and are based on limited information provided by the user and third-party sources. Such information does not constitute an offer, approval, commitment, or guarantee by MySilah.ae or any partner institution.
Users acknowledge that they do not rely on the Platform as the sole basis for making financial decisions and that final product terms, eligibility, disclosures, and approvals are determined exclusively by the respective financial institution.
THE PLATFORM IS PROVIDED 'AS IS' AND 'AS AVAILABLE'. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYSILAH.AE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ACCURACY, COMPLETENESS, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND AVAILABILITY. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
In these Terms, unless the context otherwise requires:
"Affiliate" means any entity that directly or indirectly controls, is controlled by, or is under common control with MySilah.
"Applicable Law" means all applicable laws, regulations, directions, circulars, regulatory requirements, and court/authority orders in the UAE (and any other jurisdiction where relevant).
"Application" means any request, enquiry, expression of interest, proposal, or submission made by you through the Platform for a Product or Service offered by a Partner Institution.
"Consent" means your freely given, specific, informed and unambiguous consent (where required under Applicable Law), including explicit consent for processing of Personal Data or credit-related data where applicable.
"Fees" means any fees payable by you to MySilah for use of the Platform (if any), excluding fees payable to Partner Institutions.
"Lead" means the contact details, Application data, and any related information (including supporting documents) submitted by you or on your behalf through the Platform, which may be shared with Partner Institutions and/or Third-Party Service Providers for the purposes described in these Terms and the Privacy Policy.
"Partner Institution" means any bank, lender, finance company, insurer, broker, fintech, service provider, or other third party whose products/services may be displayed on the Platform or to whom Leads may be transmitted.
"Personal Data" means any information relating to an identified or identifiable natural person as defined under Applicable Law (including UAE PDPL), and includes financial information and identifiers where applicable.
"Platform" means the MySilah.ae website, mobile site, applications (if any), and any related domains, subdomains, features, tools, content, dashboards, and services operated by or on behalf of MySilah.
"Product" means any financial or related product/service offered by a Partner Institution that may be displayed, compared, or applied for through the Platform (including conventional and Islamic products).
"Referral Partner" means any individual or entity (including an referral partner, sub-referral partner, or super referral partner) registered on the Platform to introduce prospective customers and submit Leads to MySilah.
"Reward" means the incentive payable to a Referral Partner for a successful referral, as set out in clause 7A.
"Services" means the services provided via the Platform, including (without limitation) product discovery, comparisons, eligibility indicators, Lead transmission, verification, status updates, and related customer support.
"Soft Check", "Soft Eligibility Check" means a credit-related enquiry or assessment intended not to impact a credit score (where supported by the bureau/process), performed to indicate eligibility or pre-qualification.
"Third-Party Services" means any services, systems, APIs, tools, or platforms not controlled by MySilah, including UAE PASS, Partner Institution systems, analytics tools, hosting providers, messaging services, and payment/verification providers.
"UAE PASS" means the UAE's digital identity solution (or any successor service) used for identity verification/authentication.
"User", "you", "your" means any person or entity accessing or using the Platform, including anyone submitting a Lead or Application; where an individual uses the Platform on behalf of an entity, "you" includes both the individual and that entity.
"User Content" means any data, information, documents, materials, or content that you submit, upload, transmit, or make available through the Platform (including personal and financial information and supporting documentation).
All information provided on the Platform is for general informational purposes only. MySilah.ae does not guarantee approval, pricing, profit rates, interest rates, or terms offered by partner institutions.
Final product decisions rest solely with the respective bank, FinTech company, or financial institution.
MySilah.ae does not assess the suitability, appropriateness, or affordability of any financial product for any user. Users are solely responsible for evaluating whether a product meets their financial needs and circumstances and are encouraged to seek independent professional advice where required.
The Platform displays both Islamic (Shariah-compliant) and Conventional products. MySilah.ae does not provide Shariah advisory services and does not independently verify, audit, or certify the Shariah compliance of any Islamic financial product. Any representation of Shariah compliance is made solely by the respective financial institution. We shall not be liable for any claims, disputes, or interpretations relating to Shariah compliance.
You agree to:
You represent and warrant that all information submitted through the Platform is accurate, complete, and up to date, and that you have full legal authority to provide such information, including where information is submitted on behalf of a third party or business entity. MySilah.ae reserves the right to suspend, reject, or withdraw any submission where information is inaccurate, misleading, or incomplete, without liability. You represent you will not use the Platform for fraudulent, unlawful, or sanctioned activities. We may request additional verification and may suspend, reject, or report activity where we suspect fraud, misrepresentation, or non-compliance with applicable laws/regulatory requirements.
This clause 7A applies in addition to the rest of these Terms to every Referral Partner who registers on the Platform to refer prospective customers.
Referral Partners are independent third parties who introduce potential customers to products and services listed on the MySilah platform. Referral Partners are not employees, referral partner, or representatives of MySilah or of any bank, financial institution, or Partner Institution featured on the Platform, and have no authority to bind any of them.
Referral Partners are not authorised to provide financial advice, make representations regarding product eligibility, or guarantee any application outcome.
To act as a Referral Partner, you must be at least 21 years of age, be a UAE resident, and hold a valid UAE PASS account. MySilah reserves the right to verify eligibility at any time.
All referrals submitted through the Platform must comply with the following rules:
Referral Partners are responsible for the accuracy of the customer data they submit. Submission of false or incomplete data may result in withholding of Rewards and account suspension.
Reward structures, payout schedules, and fee arrangements are governed by the specific agreement entered into between the Referral Partner and MySilah. General terms include:
Where a card product is marked "Free*(T&C)", the annual fee is waived for the first year only. From the second year onwards, charges will be applied in accordance with the issuing bank's policy.
A Referral Partner who registers using a Super Referral Partner code is attached to that Super Referral Partner as a sub-referral partner, and the Super Referral Partner may earn an additional incentives on the sub-referral partner's approved leads. A Super Referral Partner may see the leads submitted by its sub-referral partners but is not entitled to see the customer's phone number or email address, or the sub-referral partner's own incentives. A Super Referral Partner cannot add, edit, or remove sub-referral partners; this is managed by MySilah. If a Super Referral Partner's account is deactivated, its sub-referral partners are moved to MySilah directly, and leads submitted after deactivation do not earn that Super Referral Partner any incentives.
Referral Partners are responsible for keeping their login credentials confidential and for all activity under their account, and must not share their credentials with any third party.
MySilah may suspend or terminate a Referral Partner's account, and withhold unpaid Rewards, where these Terms are breached or fraudulent activity is suspected. Accrued Rewards for confirmed referrals made before termination will be paid per the standard schedule.
By submitting a Lead, you consent to being contacted by MySilah.ae and/or Partner Institutions via phone, SMS, email, WhatsApp, and push notifications for (i) servicing your enquiry/application, (ii) verification, (iii) status updates, and (iv) where permitted, marketing. You acknowledge communications may be recorded for quality, training, and compliance. You expressly authorize MySilah.ae and its partner institutions to obtain, review, and share your credit information from Al Etihad Credit Bureau and other lawful sources for eligibility assessment and product evaluation purposes. You acknowledge that such checks may be repeated by financial institutions as part of their independent review processes.
MySilah.ae is not responsible for:
Any agreement entered into is strictly between you and the respective institution.
Use of the Platform is free for customers unless explicitly stated. MySilah.ae may receive commissions or referral fees from partner institutions. Such commissions do not impact the customer's contractual relationship with the financial institution or the final terms offered, unless disclosed by the institution.
All content, trademarks, logos, and materials on the Platform are owned by or licensed to MySilah.ae and may not be used without prior written consent.
To the maximum extent permitted by applicable law, MySilah.ae shall not be liable for any loss, damage, or claim arising from reliance on information displayed on the Platform, decisions made by third-party institutions, data provided by users or third parties, system interruptions, or regulatory actions affecting services. In all circumstances, MySilah.ae's aggregate liability shall be limited to AED 1,000 or the amount of fees (if any) paid by the user to MySilah.ae, whichever is lower.
You agree to indemnify and hold harmless MySilah.ae, its directors, employees, and partners from any claims, losses, fines, penalties, or liabilities arising from your breach of these Terms, misrepresentation, unauthorized data submission, violation of applicable laws, or misuse of the Platform.
Any complaints relating to the Platform, data submission, or technical services provided by MySilah.ae should be directed to support@mysilah.ae. Complaints relating to financial products, approvals, pricing, disclosures, servicing, or contractual terms must be raised directly with the respective bank or financial institution. MySilah.ae does not have the authority to resolve, intervene in, or influence disputes relating to third-party financial products.
By using the Platform and submitting information, you expressly consent to MySilah.ae collecting, processing, storing, and sharing your personal and financial data for the purposes of identity verification, credit eligibility assessment, lead facilitation, regulatory compliance, and submission to banks, financial institutions, credit bureaus (including Al Etihad Credit Bureau), service providers, and technology partners. Such data may be processed within or outside the United Arab Emirates in accordance with applicable data protection laws, including the UAE Personal Data Protection Law. MySilah.ae will process personal data in accordance with its Privacy Policy. You acknowledge that MySilah.ae does not control how third-party institutions process your data once shared and shall not be responsible for their data handling practices.
MySilah.ae reserves the right to suspend or terminate access to the Platform at any time for violation of these Terms or applicable laws.
These Terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of UAE courts.
We may update these Terms from time to time. Continued use of the Platform constitutes acceptance of the revised Terms.
MySilah.ae
Silah L.L.C-FZ, Meydan FreeZone, Dubai, United Arab Emirates
Email: support@mysilah.ae
Website: www.mysilah.ae
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with the Privacy Policy and any additional policies or notices referenced on the Platform, constitute the entire agreement between you and MySilah.ae regarding your use of the Platform and supersede all prior or contemporaneous discussions, representations, or agreements (whether oral or written) relating to the Platform.
No failure or delay by MySilah.ae in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. Any waiver must be in writing and signed by an authorised representative of MySilah.ae.
MySilah.ae may assign, transfer, novate, subcontract, or otherwise deal with any or all of its rights and obligations under these Terms (in whole or in part) to any third party without notice to you. You may not assign, transfer, or sublicense any of your rights or obligations under these Terms without MySilah.ae's prior written consent.
MySilah.ae shall not be liable for any delay or failure to perform any obligation under these Terms to the extent caused by events beyond its reasonable control, including (without limitation) acts of God, natural disasters, epidemic/pandemic, war, terrorism, civil unrest, strikes, labour disputes, governmental actions, regulatory restrictions, internet/telecommunications failures, power outages, system failures, or third-party service interruptions (including Partner Institution systems, UAE PASS, and hosting providers). Performance shall be deemed suspended for the duration of the Force Majeure event.
Nothing in these Terms creates any partnership, joint venture, agency, employment, fiduciary, or representative relationship between you and MySilah.ae. You have no authority to bind MySilah.ae in any manner.
These Terms are for the benefit of you and MySilah.ae. However, MySilah.ae's Affiliates, directors, officers, employees, referral partner, contractors, and service providers shall be entitled to enforce the provisions of these Terms that expressly or by their nature confer a benefit on them (including limitation of liability, disclaimers, and indemnities).
Any provisions which by their nature should survive termination (including, without limitation, intellectual property, disclaimers, limitation of liability, indemnity, governing law and jurisdiction, and this Clause 19) shall survive any suspension or termination of your access to the Platform.
You acknowledge that you have not relied on any statement, promise, or representation not expressly set out in these Terms when deciding to use the Platform. Nothing in this clause limits liability for fraud to the extent it cannot be excluded under Applicable Law.
If these Terms are made available in more than one language, the English version shall prevail to the extent permitted by Applicable Law.