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References to 'you', '‘your' and 'yours' are references to the person(s) accessing this site.

References to ‘we’, ‘us' and ‘our’ are references to Majid Al Futtaim Finance LLC (“MAF Finance”).

Please read these terms and conditions carefully. By accessing this site and any pages thereof or the online services, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof, or the online services.

Use of Information and Materials

Although MAF Finance and its affiliates have tried to provide accurate and timely information, the content of this site 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 site without notice. MAF Finance may change the products, services, and any other information described on this site at any time. The information published on this site 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 site are your sole responsibility. If you need specific details about any information contained in our site, you should contact MAF Finance as indicated on the Contact Us page.

MAF Finance controls and maintains this site from the United Arab Emirates and makes no representation that materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

Products and Services

The products and services referred to on this site are offered by or through MAF Finance or its affiliates. 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 in all geographic areas.

System availability and response time are subject to market conditions and possible unscheduled outages.


The trademarks, logos, and service marks displayed on the site are the property of MAF Finance and other parties. Users are prohibited from using any trademarks, logos and service marks without the written permission of MAF Finance or such third party which may own the trademarks, logos, and service marks. All content on the site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the site for commercial or public purposes.

Limitation of Liability

In no event will MAF Finance be liable for any damages, including but not limited to, direct or indirect, special, incidental, or consequential damages, losses or expenses arising out of or in connection with this site or use thereof, or incurred as a result of any failure of performance, omission, error, defect, delay in operation or transmission, computer virus or line or system failure, even if MAF Finance, its employees or representatives thereof, are advised of the possibility of such damages, losses or expenses.

No Warranties

The information and materials contained in this site, including without limitation, text, graphics, links or other items are provided AS IS, AS AVAILABLE. Although MAF Finance has taken all reasonable care in producing the information available on this site, MAF Finance does not represent or warrant that the information or materials available on this site are free from errors or omissions or is suitable for your intended use, and expressly disclaims liability for errors or omission in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, and fitness for particular use, merchantability, and freedom from computer virus, is given in conjunction with such information and materials.


All information submitted to MAF Finance via this site shall remain the property of MAF Finance who shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information provided by a visitor to this site. MAF Finance shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by MAF Finance having the direct customer relationship or as otherwise specifically agreed or required by law.

Third Party Sites

This site may contain links to other web sites operated by third parties. The content, accuracy, opinions expressed, and the other links provided by these resources are the responsibility of the respective web site operators and owners, and are not reviewed, verified, monitored, or endorsed by MAF Finance. MAF Finance accepts no responsibility or liability for any loss as a result of you acting or refraining from acting in reliance upon the content of other web sites accessed through this site.

Data Retention

MAF Finance may retain your data or a trail of any actions performed yourself on this website in order to comply with the provision of Federal Law No. 1 of 2006.

Internet and E-mail

Message sent over the internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to MAF Finance or any message sent by MAF Finance to you over the Internet.

Governing Law & Jurisdiction

Your access to and use of this site, and these terms and conditions, are governed by and will be constituted, construed and interpreted in accordance with the laws of the United Arab Emirates (“UAE”), without regard to principles of conflict of laws. Any dispute arising from the usage of our website shall be submitted to the exclusive jurisdiction of the UAE courts. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

The contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this web site.

In accordance with Federal Decree – Law No. (8) of 2017 on Value Added Tax (“VAT”) with effect from 1 January 2018, all cardholders fees will be subject to 5% increase on the account of VAT. By publishing this on its website, Majid Al Futtaim Finance LLC is deemed to have notified all its cardholders of the change in fees and all cardholders are deemed to have read the terms set out herein and agreed to such change in fees; no further notice will be required in this regard.