Website Terms of Use and Disclaimer

Please read these terms, conditions, and disclaimers ("Terms of Use") carefully. By accessing or using this Website, you accept these Terms of Use, and you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using this Website.

Accessing and Using this Website

Access to this Website is permitted on a temporary basis, and we will do our best to ensure our Website is available at all times. You acknowledge however that our Website may not be available from time to time due to scheduled and unscheduled maintenance, or due to reasons beyond our control. Emirates Islamic Bank PJSC ("Emirates Islamic Bank" or "we" or "our") will not be liable or accept any responsibility if our Website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your Internet connection are aware of these Terms of Use, and that they comply with them.
We may, from time to time, restrict or prevent access to parts of our Website, or to the entire Website. We also reserve the right to withdraw or amend any information or services we provide on or via our Website without notice.
Although we have tried to provide accurate and timely information, the content of this Website may not be accurate, complete or current and may include technical inaccuracies or typographical errors.
From time to time changes may be made to the content of this Website without notice. Emirates Islamic Bank may change the products, services, and any other information described on or available through this Website at any time.
The information published on this Website is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our Website are your sole responsibility and are taken at your sole risk. If you need specific details about any information contained in our Website, you should contact Emirates Islamic Bank as indicated on the Contact Us page.
If you are provided with any user identification code, password or any other information or details as part of our security procedures, you must treat such information as strictly confidential, and you must not disclose it to any third party. We reserve the right to disable or cancel any user identification code or password at any time if in our opinion you have failed to comply with any of the provisions of these Terms of Use, or if your access to our Website could or does adversely impact Emirates Islamic Bank or any other customer of Emirates Islamic Bank.
Emirates Islamic Bank controls and maintains this Website from the United Arab Emirates and in accordance with the laws of the United Arab Emirates. Emirates Islamic Bank makes no representation that information, materials, products or services available on or through our Website are appropriate (legally or otherwise), sufficient or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws.

Products and Services

The products and services referred to on this Website are offered by or through Emirates Islamic Bank. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services and they may not be available to you or in all geographic areas.
Unless expressly stated, nothing contained on this Website should be construed as a solicitation to purchase or sell securities.
Please note that products and services available on or through our Website are subject to availability and market conditions.

Linking and Framing

This Website may contain links to other websites on the Internet. These links are provided for your convenience. Links to another website do not constitute Emirates Islamic Bank's approval or endorsement of that website or its contents, products, services or advertisements. Emirates Islamic Bank accepts no responsibility for such other websites (including without limitation their contents, products, services or advertisements) or for any loss or damage that may arise for your use of such other websites.
You must not establish a link to our Website without our prior written consent. If you do establish a link to our Website, you must ensure that any such link:

  • is from a website owned by you with a domain name registered in your name
  • is to our home page only;
  • is compliant with applicable laws;
  • does not take advantage of or damage Emirates Islamic Bank's reputation; and
  • unless agreed by us, does not in any way suggest any form of association, approval or endorsement of the website (or the contents, products or services available on or through the website) that has linked to our Website by Emirates Islamic Bank.

Any website owned by you that links to our Website must observe, and do nothing contrary to, the religious, cultural, economic and social sensitivities in the UAE.
We reserve the right to withdraw any linking permission at any time and you will stop linking to our Website immediately on receipt of any such withdrawal of linking permission.
You must not frame our Website on any other website.

Viruses, Hacking and other Offences

You must not misuse our Website by knowingly introducing on to our Website or any other Emirates Islamic Bank systems viruses, trojans, worms, logic bombs or other material or code which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.
We will report any malicious or harmful act to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of any malicious or harmful act, your right to use our Website will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, 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 Website or to your downloading of any material posted on it, or on any website linked to it.

Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
Our status (and that of any identified contributors) as the authors of material on our Website must always be acknowledged.
You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Trade Marks

Emirates Islamic Bank, Emirates Islamic, and Kunooz are registered trademarks of Emirates Islamic Bank PJSC. Such trade marks are proprietary rights belonging to Emirates Islamic Bank. You are not entitled to copy, download, amend or otherwise use these trade marks without Emirates Islamic Bank's prior written consent.

Data Processing

We will process information about you in accordance with our Privacy Policy [insert hyperlink to Privacy Policy]. By using our Website, you consent to such processing and you confirm that all information provided by you is complete and accurate.

Exclusion of Warranties

Emirates Islamic Bank makes no warranties or representations as to the accuracy or completeness of the information contained on this Website. This information and the products and services are provided "as is" " and "as available" without any warranty of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement.

Limitation of Liability

Neither Emirates Islamic Bank nor any of its agents, employees, or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way in connection with:

  • our Website;
  • the use, inability to use, result of any use, or linking, of our Website;
  • any materials contained on or obtained through, this Website; or
  • any information transmitted via this Website.

Emirates Islamic Bank is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Website.

Email and Other Requests for Information Using Public Email Systems

If you choose to send any confidential information to us whether by public or private email systems like Yahoo, Hotmail etc., you accept the risk that this information may be intercepted by a third party.


We may revise these Terms of Use from time to time. You are expected to check these Terms of Use regularly to take notice of any changes we have made. Your access and use of our Website is at all times subject to the then current version of Terms of Use and you are bound by these Terms of Use. Please note that some of the provisions contained in these Terms of Use may be superseded by provisions or notices published elsewhere on our Website.

Law and Jurisdiction

The Terms of Use are governed by the laws of the Emirate of Dubai and the federal laws of the UAE.
The Dubai courts shall have exclusive jurisdiction over any claim arising from, or related to, you access or use of our Website. We reserve the right to bring proceedings against you in your country of residence or any other relevant country for any breach by you of these Terms of Use.