Legal & Admin Policies
Everything about how Gulf Policy Souq works, how we handle your data and what you can expect from us – written as clearly as we can.
The short version
A plain-English summary. The full policies below always take priority.
Terms of Use
These Terms of Use ("Terms") govern your access to and use of the Gulf Policy Souq website, tools and related services (the "Service"). By using the Service, you agree to these Terms. If you do not agree, please do not use the Service.
Gulf Policy Souq is an online comparison and information platform for financial products available in the United Arab Emirates, including credit cards, loans, bank accounts and insurance. We are not a bank, lender, insurer or broker, and we do not make lending or underwriting decisions.
You must be at least 18 years old and legally able to enter into contracts to use the Service. Financial products shown are generally intended for UAE residents.
We work hard to keep product information accurate and up to date, but terms, rates and fees are set by providers and can change without notice. Always confirm the final terms with the provider before applying.
You agree not to misuse the Service, including by attempting unauthorised access, scraping content at scale, introducing malicious code, submitting false information or using the Service for any unlawful purpose.
All content, design, logos and software on the Service belong to Gulf Policy Souq or its licensors. You may view and share pages for personal, non-commercial use. Other use requires our written permission.
When you choose to apply for a product, you may be redirected to a provider's website. Your relationship with that provider is governed by its own terms and privacy policy. We are not responsible for third-party websites.
To the extent permitted by law, Gulf Policy Souq is not liable for any loss arising from your reliance on information on the Service or from any decision made by a provider. Nothing in these Terms limits liability that cannot be limited under UAE law.
We may update these Terms from time to time; the "last updated" date shows the latest version. These Terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai, and disputes are subject to the jurisdiction of the competent Dubai courts.
Privacy Policy
This policy explains how Gulf Policy Souq collects, uses and protects your personal data, in line with applicable UAE data protection law, including Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data.
How we use your data
- To respond to enquiries, callbacks and feedback you send us.
- To send newsletters – only if you subscribe, and you can unsubscribe anytime.
- To understand how our site is used and improve it (with your cookie consent).
- To keep our Service secure and prevent fraud or misuse.
- To meet our legal and regulatory obligations.
Sharing
We do not sell your personal data. We share it only with trusted service providers who help us run the Service (such as hosting and email), under contracts that protect your data – or when required by law. If you ask us to connect you with a provider, we share only what's needed for that request, with your consent.
Data we collect
| Category | Examples | Why | Kept for |
|---|---|---|---|
| Contact details | Name, email, phone | Reply to your enquiry | Up to 24 months |
| Messages | Form content, feedback | Help and improve service | Up to 24 months |
| Newsletter | Email address | Send updates you requested | Until you unsubscribe |
| Technical | Device, browser, IP address | Security & performance | Up to 12 months |
| Cookies | Preferences, analytics IDs | See Cookie Policy | As set out below |
| Calculator inputs | Salary, loan amounts | Run in your browser | Not stored by us |
Financial disclaimer
Content on Gulf Policy Souq is general information to help you compare products. It is not financial, legal or tax advice and does not take your personal circumstances into account. Calculator results are estimates. Product approval, rates, limits and fees are decided solely by the provider based on its own criteria. Consider speaking to a licensed adviser before making major financial decisions.
Advertiser disclosure
Gulf Policy Souq is free because some providers may pay us when you click through or apply. Here's how we keep that separate from what we show you:
- 1Editorial firstGuides and reviews are written independently of commercial deals.
- 2Labelled placementsPaid or featured positions are always marked "Sponsored" or "Featured".
- 3Your filters winWhen you sort or filter, results follow your choice.
- 4Same priceYou never pay more for applying through us.
We may not cover every product available in the UAE market.
Your data rights
Subject to applicable law, you can ask us to:
Complaints procedure
If something isn't right, we want to know. Here's what happens when you complain:
Complaints about a product decision (for example a declined application) must be raised with the provider. Unresolved complaints about a licensed financial institution may be escalated to the UAE's official financial dispute resolution channels.
Raise a complaintAccessibility statement
We aim for our website to be usable by everyone and work towards the Web Content Accessibility Guidelines (WCAG) 2.1 level AA.
Found a barrier? Let us know and we'll work to fix it.
Version history
- v3.0November 2026Added insurance products, cookie preferences centre and data request form.
- v2.0Earlier versionAdded bank accounts and expanded privacy information.
- v1.0First versionInitial Terms of Use and Privacy Policy published.
Definitions
- "We", "us", "our"
- Gulf Policy Souq, operator of this website.
- "You"
- Any person using the Service.
- "Provider"
- A bank, lender, insurer or other company whose products appear on the Service.
- "Personal data"
- Any information that identifies you or could identify you.
- "Service"
- Our website, tools, content and related communications.
- "Processing"
- Anything done with personal data, such as collecting, storing or using it.
Questions about these policies?
Our legal & privacy team is here to help.
Thanks for reading the small print.
By continuing to use Gulf Policy Souq you agree to these policies. We'll always tell you when something important changes.