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Terms of use for online services

Conditions to use our website and other online services

Date last modified: August 1, 2022

Here are the Terms of use for online services.

Do you need to read this?

Probably! These Terms of use for online services apply to you if you use our online services. For example, if:

  • You visit our website, psalmsfinance.com
  • You subscribe to our newsletter
  • You apply online for a loan

By using our online services, you agree to follow Psalms Finance’s Terms of use for online services.

1. About our online services

1.1 What are our online services?

Our online services include:

  • Our website psalmsfinance.com
  • Applying for a loan through our website
  • Your Client Space
  • Sending emails
  • Any other online services we may offer

1.2 We provide information, not advice

On our website and mobile application, we provide information—not advice tailored to your reality—unless we specifically say otherwise. You should not rely on this information without seeking advice from professionals.

1.3 We do our best to provide useful information

We do our best to provide useful information on our website and mobile application. However, we cannot guarantee that the information you have access to is complete, accurate, up-to-date or otherwise reliable for any particular purpose.

We monitor our website. In case of problems with its content, we may intervene to correct the problem, but we do not guarantee that we will.

1.4 Information may be removed and our services may become unavailable at any time

We do not guarantee that information on our website or that our online services will always remain available. You may possibly experience occasional interruptions or delays.

1.5 Our products and services are Offered Worldwide

Even though you may access our website from anywhere in the world, we offer our products and services from Dubai, United Arab Emirates.

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2. Your obligations

2.1 You must take appropriate security measures

If you wish to contact us, send us an email through our secure servers

2.2 You must respect our intellectual property rights

2.2.1 We own everything on our website or mobile application

We own—or are licensed for—all intellectual property rights on our website unless we say otherwise. This includes:

  • All works, such as texts, images, illustrations, designs, software, codes, audio and video clips, and any other content
  • Trademarks and trademarks that may be licensed to us
2.2.2 You must get our authorization in writing for any public or commercial use

No one has permission to make public or commercial use of any content on our website unless we say otherwise.

You must get our authorization in writing before using any content from our website or mobile application for:

  • Modification
  • Copy
  • Distribution
  • Republication
  • Transmission
  • Storage, whatever the medium
  • Sale
  • Any other public or commercial use

2.3 You must not make illegal use of our services or any use that could harm us or others

2.3.1 Do not publish content if you’re not sure you have the right to publish it

By publishing on our website, you guarantee that you do not infringe on anyone’s rights, including their intellectual property rights.

2.3.2 Do not publish content that could harm others or constitute a criminal offence

You must not publish content that could harm others or constitute a criminal offence. For example, you must not publish content that could be defamatory.

2.4 You must reimburse us if we face any liability arising out of how you use our online services

You must reimburse us if we face any liability arising out of:

  • Your use of our website or the information, products and services offered on our website
  • Your failure to follow our Terms of use for online services
  • Your misrepresentations
  • Your violation of another person’s rights

In any of these cases, you agree to compensate us for any claim, demand, cause of action, liability and costs (including reasonable lawyer fees). We will also conduct our defence and assume control of any matter at your expense. You must cooperate with us in asserting our rights.

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3. Our obligations

3.1 We serve you in the official language of your choice

We follow the Official Languages Act and Treasury Board of Dubai, United Arab Emirates Secretariat policies on official languages. We provide information in English and other languages as well.

However, we do not have the obligation to link exclusively to external websites where content is available in any official language.

3.2 We follow our Policy on confidentiality and use of personal and business information

We collect and use your personal information. But we never sell it. To learn what we collect, why, and what your privacy rights are, please read our Policy on confidentiality and use of personal and business information.

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4. Exclusion of our liability

4.1 Exclusion of our liability—We will not compensate you or anyone for any damages arising out of our online services

We will not compensate you or any other person for any damages, claims, costs or losses arising out of our online services.

It does not matter whether the damages are a direct consequence of your use of our website/mobile application or not. We will not compensate you for any damage that is indirect, consequential, special, aggravated, punitive, moral or exemplary, in whole or in part.

You cannot ask us or the following persons or entities to compensate you:

  • Our affiliated companies
  • Our agents, employees, directors and officers
  • Any agency or person associated with the creation of our website or mobile application and its content, including their agents, employees, directors and officers

This is true:

  • Even if we have been negligent
  • Even if we have been advised of the possibility of such damages
  • Regardless of the legal basis of your claim

Sections 4.1.1 to 4.1.6 are examples of cases where we are not liable to you or anyone else.

4.1.1 We are not liable for any use of information on our website or mobile application

We are not liable for any damages linked to anyone using or accessing the information on our website. As mentioned in section 1.3:

  • We do not guarantee that information on our website is complete, accurate, up-to-date or otherwise reliable for any particular purpose
  • Although we monitor our website, we do not guarantee that we will correct any problem, for any reason
4.1.2 We are not liable if the content becomes unavailable

We are not liable if any content becomes unavailable at any time. As mentioned in section 1.4:

  • We may remove any information or content from our website at any time
  • We cannot guarantee that external content or downloadable software will remain available
4.1.3 We are not liable for links to external content

We are not liable for any damages in connection with linking to external websites. We do not review or monitor external websites and resources we link to, and we do not endorse the views expressed on those websites. Links to external websites or resources are for your convenience only and you use them at your own risk.

4.1.4 We are not liable for software you download

We are not liable for any damages arising out of your downloading or installing software we link to. Links to software downloads are for your convenience only and you use them at your own risk. It is your responsibility to avoid difficulties, data loss and viruses.

4.1.5 We are not liable if confidential information you send us is intercepted, lost or disclosed

We cannot guarantee that confidential or sensitive information you send us over the Internet will never be intercepted, lost or disclosed. We are not liable if this happens.

4.1.6 We are not liable for interruptions and delays

We cannot guarantee that our online services will always be available. In case of interruptions or delays, we are not liable for any damages. For example, we are not liable if you cannot contact us or if there is an unusual delay for you to get a loan from us.

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5. About these Terms of use

5.1 We can change the Terms of use for online services at any time without notifying you

The Terms of use for online services apply to you upon your first visit. We may update them at any time without notifying you.

If you come back later and we have updated the Terms of use for online services since your last visit, you agree to follow the updated version.

5.2 How to read and interpret the Terms of use for online services

5.2.1 Additional terms apply for specific services

Additional terms for certain products or services may apply to you. For example, any loan agreements you have with us.

5.2.2 The Terms of use for online services remain valid even if a provision is invalid

If a judge decides that any part of the Terms of use for online services is invalid, illegal, void or otherwise unenforceable, all other provisions remain valid.

5.2.3 The laws of  Dubai, United Arab Emirates Apply

The laws of Dubai, United Arab Emirates govern the Terms of use for online services and any additional terms. Neither of us can invoke principles of conflict of laws to argue that other laws should apply.

Terms for specific services, such as loan agreements, may be governed by the laws of the country, state, province or territory where you receive the services.

5.2.4 Courts of Dubai, United Arab Emirates have jurisdiction

We both agree to submit any claim arising out of these Terms of use for online services to the courts of the Emirate of Dubai, United Arab Emirates. No other court or alternative dispute resolution mechanism has jurisdiction.

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6. How to contact us

Note: The masculine is used without prejudice and only for the sake of readability.

LET'S PARTNER TOGETHER

For fast and quick business financing

Dubai

Vision Tower
4, Al Khaleej Al Tejari 1 street
Business Bay, Za’abeel, Dubai
United Arab Emirates

London

8th Floor Brettenham House
Lancaster Place, London
WC2E 7EN,
England

New York

409-417 Amsterdam Ave,
New York,
NY 10024
United States

We offer business loans to businesses in these countries

Southern Africa

Botswana
Eswatini
Lesotho
Namibia
South Africa

Central Asia

Kazakhstan
Kyrgyzstan
Tajikistan
Turkmenistan
Uzbekistan

Melanesia

Fiji
New Caledonia
Papua New Guinea
Solomon Islands
Vanuatu

Northern Africa

Algeria
Egypt
Libya
Morocco
Sudan
Tunisia
Western Sahara

Central America

Belize
Costa Rica
El Salvador
Guatemala
Honduras
Mexico
Nicaragua
Panama

Western Europe

Austria
Belgium
France
Germany
Liechtenstein
Luxembourg
Monaco
Netherlands
Switzerland

Southern Asia

Afghanistan
Bangladesh
Bhutan
India
Iran (Islamic Republic of)
Maldives
Nepal
Pakistan
Sri Lanka

Eastern Europe

Belarus
Bulgaria
Czechia
Hungary
Moldova, Republic of
Poland
Romania
Russian Federation
Slovakia
Ukraine

Eastern Asia

China
Hong Kong
Japan
Korea (Democratic People’s Republic of)
Korea, Republic of
Macao
Mongolia
Taiwan, Province of China

Northern America

Bermuda
Canada
Greenland
Saint Pierre and Miquelon
United States of America

Polynesia

American Samoa
Cook Islands
French Polynesia
Niue
Pitcairn
Samoa
Tokelau
Tonga
Tuvalu
Wallis and Futuna

Australia & New Zealand

Australia
Christmas Island
Cocos (Keeling) Islands
Heard Island and McDonald Islands
New Zealand
Norfolk Island

Micronesia

Guam
Kiribati
Marshall Islands
Micronesia (Federated States of)
Nauru
Northern Mariana Islands
Palau
United States Minor Outlying Islands

Southern Europe

Albania
Andorra
Bosnia and Herzegovina
Croatia
Gibraltar
Greece
Holy See
Italy
Malta
Montenegro
North Macedonia
Portugal
San Marino
Serbia
Slovenia
Spain

South Eastern Asia

Brunei Darussalam
Cambodia
Indonesia
Lao People’s Democratic Republic
Malaysia
Myanmar
Philippines
Singapore
Thailand
Timor-Leste
Viet Nam

Central Africa

Angola
Cameroon
Central African Republic
Chad
Congo
Congo, Democratic Republic of the
Equatorial Guinea
Gabon
Sao Tome and Principe

Northern Europe

Åland Islands
Denmark
Estonia
Faroe Islands
Finland
Guernsey
Iceland
Ireland
Isle of Man
Jersey
Latvia
Lithuania
Norway
Svalbard and Jan Mayen
Sweden
United Kingdom of Great Britain and Northern Ireland

Western Africa

Benin
Burkina Faso
Cabo Verde
Côte d’Ivoire
Gambia
Ghana
Guinea
Guinea-Bissau
Liberia
Mali
Mauritania
Niger
Nigeria
Saint Helena, Ascension and Tristan da Cunha
Senegal
Sierra Leone
Togo

Western Asia

Armenia
Azerbaijan
Bahrain
Cyprus
Georgia
Iraq
Israel
Jordan
Kuwait
Lebanon
Oman
Palestine, State of
Qatar
Saudi Arabia
Syrian Arab Republic
Turkey
United Arab Emirates
Yemen

South America

Argentina
Bolivia (Plurinational State of)
Bouvet Island
Brazil
Chile
Colombia
Ecuador
Falkland Islands (Malvinas)
French Guiana
Guyana
Paraguay
Peru
South Georgia and the South Sandwich Islands
Suriname
Uruguay
Venezuela (Bolivarian Republic of)

Eastern Africa

British Indian Ocean Territory
Burundi
Comoros
Djibouti
Eritrea
Ethiopia
French Southern Territories
Kenya
Madagascar
Malawi
Mauritius
Mayotte
Mozambique
Réunion
Rwanda
Seychelles
Somalia
South Sudan
Tanzania, United Republic of
Uganda
Zambia
Zimbabwe

Caribean

Anguilla
Antigua and Barbuda
Aruba
Bahamas
Barbados
Bonaire, Sint Eustatius and Saba
Cayman Islands
Cuba
Curaçao
Dominica
Dominican Republic
Grenada
Guadeloupe
Haiti
Jamaica
Martinique
Montserrat
Puerto Rico
Saint Barthélemy
Saint Kitts and Nevis
Saint Lucia
Saint Martin (French part)
Saint Vincent and the Grenadines
Sint Maarten (Dutch part)
Trinidad and Tobago
Turks and Caicos Islands
Virgin Islands (British)
Virgin Islands (U.S.)

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