Terms Of Use

Legal Disclaimer

Please read the Terms and Conditions which appear below carefully. These are Independent general Terms and Conditions (“Terms & Conditions”) governing your access and use of this website ("Website").

If you do not agree with these Terms and Conditions, please do not use this site.

COPYRIGHT © Independent 2008, ALL RIGHTS RESERVED.

Copyright in the pages and in the screens displaying these pages, and in the information and material therein and in their arrangement, is owned by Independent unless otherwise indicated.

Trademarks
Independent, its subsidiaries, affiliates, contractors and/or participating corporations are the owners of the trade and service marks appearing on this Website and all rights are reserved in respect of such trade and service marks.

Acceptance
By accessing this Website, you signify your agreement to be bound by these Terms and Conditions.

Use of Information and Materials
The information and materials contained in this Website are provided by Independent in good faith.
You acknowledge that you are solely responsible for the use to which you put the information and materials
herein.. Please note that not all products and services are available in all geographic areas. Your eligibility
for particular products and services is subject to Independent’s final determination and acceptance.

No Warranty
Independent takes all reasonable care to ensure that the information and materials contained in this
Website, including text, graphics, advertisements, links or other items are accurate. Independent does not
warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims
liability for errors or omissions therein. No warranties of any kind, implied, express or statutory, including
but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a
particular purpose and freedom from computer virus, are given in conjunction with the information and materials. Nothing in this Website shall be regarded or taken as financial or legal advice.

Exclusion of Liability
You further acknowledge that in no way whatsoever shall Independent be liable for any damages, losses or
expenses including without limitation direct or indirect, special, incidental, or consequential damages, losses
or expenses arising in connection with or as a result of accessing this Website or its use thereof. Furthermore, Independent shall not be liable or responsible for the inability to use this Website by any party, or to rely on the content of this Website, or in connection with any failure of performance, error, omission, interruption, defect, delay or failure in its operation or transmission, computer virus or line or system failure, even if Independent, or its directors, officers, employees, or servants are advised of the possibility of such damages, losses or expense. This exclusion clause shall take effect to the fullest extent permitted by law.

Submission
All information submitted to Independent via this Website shall be deemed to be and will remain the property
of Independent. Independent shall be free to use, for any purpose, any ideas, concepts, know-how or
techniques contained in information a visitor to this Website provides to Independent by virtue of this Website. Independent shall not be subject to any obligations of confidentiality or privacy regarding such ideas, concepts, know-how or techniques or information except as determined by Independent in their absolute sole discretion or as otherwise specifically agreed or required by law.

Variation
These Terms and Conditions are subject to change and can be modified at any time without notice. You must therefore check these Terms and Conditions for any such changes or modification each time you visit this website.

Governing Law and Jurisdiction
By accessing this Website and obtaining the information, facilities, products or services offered through this website, you agree that the Law of the United Arab Emirates (UAE) shall govern such access and the provision of such information, facilities, products and services and you agree to submit to the exclusive jurisdiction of the UAE Courts.

Mortgage Calculator Use
Use of the Calculators by you is at your risk as to the accuracy or correctness of the conclusions or results derived there from. Determination of a conclusion or result by use of the Calculators will not be binding on Independent. Independent makes no representation as to the accuracy, completeness or reliability of any information contained on this Website or otherwise provided and hereby disclaims any liability with regard to the same. Independent including its officers, employees, personnel or directors shall not be liable for any loss, damage or liability of whatsoever nature, including any direct or indirect loss arising from the use of the Calculators or access of any information that may be displayed herein.