Last updated 4 June 2024

Terms and Conditions

Teyaseer is an optional service that is provided by Aldar Properties PJSC and promoted by various entities and institutions of the Abu Dhabi Government, which may change from time to time ("Teyaseer"). Teyaseer ("we", "our" or "us") operates and manages this website and its content and provides the Services (as defined in Part B of these Terms). These terms and conditions (the "Terms") apply to all persons choosing to access or use Teyaseer and/or the Services ("Customer" or "you"). You should read these Terms carefully before registering with Teyaseer and accessing and/or using the Services.

A. Accepting these Terms

In registering to the obtain the Services, you hereby accept and agree to these Terms applying to the provision of the Services (as defined in Part B below) by Teyaseer to you.

If at any time the Customer no longer agrees to the Terms, the Customer must withdraw/opt out from the Services. Until such time that the Customer withdraws/opt outs from the Services, the Customer shall remain bound by the Terms. These terms may be modified by us from time to time.

B. Services by Teyaseer

At the time of registering with Teyaseer (upon which the Customer agrees to be bound by these Terms), the Customer will be required to select the services that the Customer requires Teyaseer to provide (the "Services"), and unless such service is selected at the time of registration with Teyaseer, Teyaseer will not be required to provide any additional services outside the scope of the Services.

Should the Customer require any additional services to be provided following the initial registration, the Customer must apply for the provision of the additional services via the system implemented by Teyaseer on its website, mobile application or another online platform from time to time (the "Additional Services"). The scope of the Services shall only be amended to include the provision of the Additional Services upon Teyaseer confirming approval of the Customer's application for the Additional Services.

To the extent that:

the Services include one (1) or more site visits, the Customer acknowledges and agrees that the designated time for the site visit will be determined by Teyaseer in its sole discretion; and
the Services include a review of any documentation provided, Teyaseer's review of any such documentation is strictly limited to a single review of the documentation. Should the Customer require any subsequent review following a revision of the documentation, the Customer must apply for the additional review via Teyaseer's website and Teyaseer will be under no obligation to undertake such review until such time that Teyaseer has accepted the Customer's request for an additional review of that documentation to form part of the Services.

In addition to the Services, Teyaseer shall, at its discretion, provide the Customer with access to template forms that Teyaseer has developed which may be utilised by the Customer to facilitate the Customer's overall design and construction program ("Template Documents").

The Customer will not be charged for the Services.

C. Personal Data

In order for us to provide the Services to you, you agree to provide us with certain personal information and data relating to you including, but not limited to, your contact details (name, current address, contact information), information to check and verify your identity (UAE emirates ID, passport), your gender, your account details (such as your user name and login details), your personal and/or financial circumstances and any other personal data or information that we request from you or that you voluntarily provide to us during the course of the Services ("Personal Data"). We will take all necessary steps to ensure that your Personal Data is treated securely and in accordance with applicable laws and regulations and to provide you with a more efficient client Service. Our processing of your Personal Data shall be done in accordance with applicable data protection legislation and our Privacy Statement, a copy of which can be found on our website or requested from us. We may share your Personal Data with other organizations for the sole purpose of making the Teyaseer platform and the Services available to you, including, but not limited to, First Abu Dhabi Bank PJSC.

D. Termination and Suspension of Services

The Customer agrees that Teyaseer may terminate or suspend a Customer's access to the Services immediately if:

the Customer breaches these Terms;
the Customer's entitlement to the Abu Dhabi National Housing Scheme ("NHS") construction loan and/or mortgage is revoked or suspended ("NHS Loan");
except where at the time of registering with Teyaseer the Customer has already appointed its contractor and consultant (“Pre-appointed C&C”), the Customer appoints a contractor or consultant that is not on Teyaseer's list of approved contractors and consultants and the Customer's appointed contractor or consultant does not subsequently complete (or satisfy) Teyaseer's pre-qualification process, with the list of approved contractors and consultants to be determined by Teyaseer in its sole discretion and published on Teyaseer's website (as may be amended from time to time in Teyaseer's sole discretion) ("Approved C&C");
you choose to deviate from Teyaseer advice or not follow our recommendations in a way that we reasonably consider puts us at risk;
if the Customer’s Pre-appointed C&C is removed from Teyaseer’s list of consultants and contractors;
if the Customer's consultant or contractor status as an Approved C&C is revoked by Teyaseer; and
the Abu Dhabi Government ceases to fund the provision of program being operated by Teyaseer to enable the Services to be provided.

The Customer acknowledges and agrees that Teyaseer may, at any time, suspend or terminate the provision of the Services, for any reason whatsoever.

E. The Customer's Obligations

The Customer acknowledges and agrees to comply in a timely manner with its obligations set out in this Section E of the Terms.

The Customer:

must upon request provide Teyaseer with any documentation that is required to substantiate the Customer's continued eligibility to avail the Services;
must provide Teyaseer with any documentation prepared and/or created by the Customer's consultants and contractors in rellation to the Villa which Teyaseer deems, in its sole discretion, as being relevant to the provision of the Services;
must communicate with Teyaseer in a transparent, timely and open manner;
must notify Teyaseer of any decisions made in conjunction with the Services regardless of whether the decision of the Customer follows Teyaseer's recommendation;
must notify Teyaseer if its eligibility to receive the NSH Loan is revoked or suspended;
shall not appoint a contractor or consultant that is not an Approved C&C or a Pre-appointed C&C who is not listed by Teyaseer; In the event that the Customer chooses to appoint a contractor or consultant not endorsed by Teyaseer, they assume the responsibility of providing all requisite documents, information, and reports necessary for Teyaseer's service. Teyaseer shall not be held liable for any communicating with such non-endorsed vendors.
permission to monitor, analyse and compile information based on and/or related to your use of Teyaseer and/or the Services to improve existing features of our service and for other lawful business purposes in accordance with the UAE's Federal Data Protection Law No. 45 of 2021 and any other applicable law;
shall grant Teyaseer with permission to communicate directly with all stakeholders (including but not limited to the Customer's appointed design and supervision consultant(s) and contractor(s) involved in the design and construction of the Customer's Villa, with such line of communication required to enable Teyaseer to provide as required, to allow Teyaseer to be able to provide you with timely and accurate input; and
shall, upon request by Teyaseer, provide Teyaseer with a copy of any commercial information relating to the design and construction of the Customer's Villa build (such as (but not limited to) commercial responses from the Customer's appointed consultant(s) and contractor(s)).

The Customer acknowledges and agrees that a failure by the Customer to comply with the above obligations may result in a delay in the provision of the Services by Teyaseer, and the Customer hereby releases Teyaseer from any liability whatsoever in relation to any delay in the provision of the Services.

F. Limitations

The Services are provided at the cost of the Abu Dhabi Government for NHS customers.

The Customer acknowledges that the extent of the Services to be provided by Teyaseer are ultimately at the discretion of the Customer and are optional. The provisions of the Services will at all times remain subject to the following limitations:

the Services are being provided by Teyaseer to assist the Customer in facilitating the design and subsequent construction of the Customer's Villa. The Customer remains solely liable for any decisions made in relation to the Villa and for any communications with, and legal agreements between, the Customer and the Customer's consultant(s) and contractor(s). The Customer should seek independent legal advice in relation to any documentation prepared in connection with the Services, agreements to be or already entered into, and dealings, with the Customer's contractor(s) and consultant(s);
unless a particular service expressly includes the provision of a technical engineering review, the Services do not include project management, contract management, commercial management services or the provision of structural or engineering advice, and as such, Teyaseer does not and will not provide the Customer with any advice pertaining to property management, property maintenance services or facilities maintenance and management;
Teyaseer does not, and will not, contract with, nor have any commercial relationship with, any of the Customer's suppliers, contractor(s) or consultant(s), and as such, Teyaseer cannot, and will not, instruct them. All decisions are to be made by the Customer, and instructions are to be provided by the Customer to the Customer's engaged suppliers, contractors and consultants. If we provide you with details of our pre-approved contractors or consultants, you acknowledge and accept that this does not make Teyaseer in any way responsible for their services. In any case, where you do not choose a contractor or consultant that is pre-qualified with Teyaseer, you shall ensure that we are provided with all relevant information. The provision of the Services by Teyaseer to the Customer does not in any circumstances whatsoever give rise to an agency relationship and Teyaseer will not act as the Customer's agent;
as part of the Services, Teyaseer provides a quality assurance review and advisory service, but does not, and will not. approve or reject deliverables that are received from the Customer's contractor(s), consultant(s) or supplier(s), with the approval of any such deliverables remaining the sole responsibility of the Customer. To the extent that the Customer has any concerns with respect to the approval of any deliverable, the Customer should seek independent legal or technical advice in relation to the same; and
the Services cover the development of pre-defined deliverables and we are unable to develop or offer bespoke or customized deliverables for the Customer, with the Services available to the customer set out on Teyaseer's website.

G. Warranty Disclaimers

The Customer acknowledges and agrees that the provision of any legal advice is expressly excluded from the Services and the Customer should seek legal and/or technical advice as necessary throughout the provision of the Services (including in respect of any reports and/or documents prepared or submitted by Teyaseer as part of the Services) and the design and subsequent construction phases of the Villa generally.
Teyaseer will not, and cannot be required to, represent the customer in any matter relating to the same, be it legal or otherwise (including any disputes or claims with the Customer's appointed contractor(s), consultant(s) or supplier(s)).
To the extent that the Customer elects to use any Template Documentation produced by Teyaseer, Teyaseer provides no representations and warranties as to the form and content of the Template Documents and the Customer should consult with their appointed legal and/ technical(s) advisors in completing the same.
To the extent that there is any third party content posted on, transmitted through, or linked from the website operated by (or on behalf of) Teyaseer, the content of such third party content is the sole responsibility of the third-party originator of such content. Content is provided through Teyaseer “as is”, and the Customer agrees that the use of and reliance on any content is at the Customer's own risk, and that under no circumstances shall Teyaseer be liable for any content or for any loss or damage of any kind incurred as a result of the use of any content made available via the Services.

H. Indemnity

The Customer agrees to indemnify and hold the Abu Dhabi Government and Teyaseer (including their parent entities, affiliates, subsidiaries, directors, officers, employees and agents) harmless from any claims, including (but not limited to) reasonable legal fees, made by any third party due to or arising from any advice or content submitted, posted or otherwise provided by the Customer to Teyaseer (and vice versa) and for any breach by these Terms by the Customer.

I. No liability

Teyaseer shall not be liable for any direct, indirect, punitive, incidental, special or consequential damages or any damages whatsoever, including (without limitation), damages for loss of use, data or profits, arising from or in connection with Teyaseer and/or the Services. The Services made available or obtained from Teyaseer are accepted at the Customer's own discretion and risk, and the Customer will be solely responsible for any damages or losses you suffer.

The Customer acknowledges and agrees that any documentation prepared for, or provided to, the Customer by Teyaseer in the performance of the Services (which includes the Template Documents) is strictly prepared or provided for the sole benefit of the Customer (the "Teyaseer Documents").

The Customer acknowledges and agrees that the Teyaseer Documents do not and are not intended to be a substitute for the services provided and duties owed by the contractor(s) and consultant(s) to the Customer and to the extent that the Customer would like to disclose the Teyaseer Documents to its appointed contractor(s) and/or consultant(s) to facilitate the provision of the contractor(s) and/or consultant(s) services, the Customer must, prior to the disclosure of the Teyaseer Documents (or part thereof), procure that its contractor(s) and/or consultant(s) agree that the Teyaseer Documents are provided on this non-reliance basis. Teyaseer does not owe any duty or bear any liability to the contractor(s) or consultant(s) or the Customer arising out of, or in any way connected with, the Teyaseer Documents or any errors or omissions therein.

Should the Customer not be satisfied with the provision of the Services, and/or these Terms, the Customer's sole and exclusive remedy is to discontinue using Teyaseer and the Services.

J. Copyright and IP

The copyright (whether registered or unregistered) to all Teyaseer materials and documentation, including any associated intellectual property rights in relation to the same, is owned by Teyaseer and its affiliates. No reproduction, distribution, or transmission of such materials or documentation is permitted without the express written permission of Teyaseer. Any rights not expressly granted herein are reserved.

The Customer acknowledges and agrees that Teyaseer may take photographs of the Customer’s Villa and publish such photographs on Teyaseer’s website, social media platforms and other mediums without further consent from the Customer provided that the Customer’s Personal Data is not published.

K. General

These Terms shall be governed by the laws of Abu Dhabi and the United Arab Emirates (as interpreted in Abu Dhabi) and any disputes that cannot be resolved amicably within ninety (90) days of one party notifying the other of a dispute, may be referred to the Courts of Abu Dhabi.
No person who is not a party to these Terms shall have any rights under or in connection with these Terms.
Where there is more than one Customer, your rights and obligations towards Teyaseer shall be joint and several.
Any notices or other communications pursuant to these Terms shall be through the Teyaseer portal or the address that you notify to us in your application to us, or such other address as you may register in writing with us. Should you wish to provide a legal notice to us, this must be sent to us via the portal and delivered in hard copy to the following address: [insert].
These Terms shall apply to any heir, successor or assigns of the parties.
Any delay or failure to exercise a right or remedy pursuant to these Terms shall not constitute a waiver of such rights.
In the event of any illegality or unenforceability of any part of these Terms, the remaining terms shall remain enforceable.
No variation of these Terms shall be valid unless such variation is recorded in writing.
You will not assign any rights or obligations under these Terms to any third party without our prior written consent.

Aldar Privacy Policy

This Privacy Policy applies to www.aldar.com and other company websites (“Websites”) and mobile applications including Live Aldar and Aldar Broker Portal (“Mobile Applications”), which are owned and operated by Aldar Properties PJSC (collectively, “Aldar,” “us,” or “we”) and our group companies (“Aldar Group”). This privacy policy describes how Aldar collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our websites and our mobile applications.

By accessing or using Aldar Group Websites and Aldar Mobile Applications, you agree to this privacy policy with the understanding of your information being collected and how we will treat it. If you do not agree with our policies and practices, you may not use Aldar Group Websites or Mobile Applications. If you have additional questions regarding the privacy and security of your personal information, please contact us at corporatecommunication@aldar.com or write to us at Aldar Customer Care, Aldar Square, Yas Island, PO Box 51133, Abu Dhabi UAE.

In particular, you have numerous data protection rights including, but not limited to, the right to object or withdraw your consent, right to transfer your information and right to be informed. You can learn more in Section 6 of this privacy policy.

What is personal information?
Collection and use of personal information
Information collection methods for personal information (cookies, geo location, ip address and its usage)
Protection of personal information
Third party disclosure of personal information
Your rights regarding your personal information
Policy changes

1. What is personal information?

Aldar is committed to provide the highest level of security and privacy regarding the collection and use of the customer’s personal information by Aldar Group Web Sites and Mobile Applications. Personal information includes data by which you may be personally identified, such as a) first name, last name, post box number, mobile number, e-mail address, Aldar Property number, Aldar Plot/ Project name b) about your computing device c) details collected through the submission of Online forms, Mobile Application, Website Contact Us page d) use of tools such as interactive geo locators and e) data collected using smart technologies sensor installed in Aldar owned premises.

2. Collection and use of personal information

The information we collect may include:

Information that you provide by filling in forms, upload image(s) and documents on any Aldar Group websites and/or Aldar Mobile Applications.
Personal information provided during a sales event, any contest/promotion sponsored by Aldar or Email or SMS campaign, your responses to surveys that we might ask you to complete for research purposes.
Search queries on the Aldar Group Websites or when you report a problem with any of the Website or Mobile Applications or property.
Records and copies of customer communication with Aldar.
Details of transactions and orders, including payment card details and information about payments you make to us (for example, property fees), invoice details, if applicable.
“Know Your Client” information and copies of your personal identification documents.
Data we collect from government authorities (for example, the Dubai Land Department, Abu Dhabi Municipality, Ras Al Khaimah Municipality etc). Please see Third Party Disclosures Restrictions for more information.
Data collected through Wi-Fi channels, customer footfalls channels, social media channels, point-of-sales, mall parking sensors.
Data collected through smart technologies (IoT) components and sensors installed in various Aldar owned premises.

Unless restricted by applicable law, you agree that any and all personal information/data relating to you, collected by Aldar Group from Aldar Group Web Sites and Mobile Applications from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with federal laws and regulations and as per Aldar Group’s current policies.

All personal information collected and stored by Aldar Group is processed for one of the following purposes :

For specific business purposes to assess your personal interest in Aldar Group offered products and services.
To perform a contract with you and deliver you services and goods as applicable.
To better understand your needs in order to design or improve our products and services
Speed up your preferred searches on our Aldar Group Websites.
To comply with federal laws and regulations e.g., property registration requirements.
To contact you about our own and third-parties' projects and services that may be of interest to you.

We sometimes process your personal information based on your consent and, where we do so, we require your active consent and we will ask you to “tick a box”, sign a form or do some other method to affirmatively provide your consent. You may withdraw your consent at anytime in accordance with this privacy policy.

3. Information collection methods for personal information (cookies, geo location, ip address and its usage)

Aldar Group Websites and Mobile Applications collects certain information about your computing device, browsing actions and patterns e.g. by use of cookies, device ids, etc.

Cookies - An HTTP cookie (also called web cookie, Internet cookie, browser cookie or simply cookie) is a small piece of data sent from a website and stored on the user's computer by the user's web browser while the user is browsing. Cookies were designed to be a reliable mechanism for websites to remember stateful information (such as items added in the shopping cart in an online store) or to record the user's browsing activity (including clicking particular buttons, logging in, or recording which pages were visited in the past).

Aldar Group Websites and Mobile Applications may collect following information:

Geo location data, site and pages visited, traffic data, logs
and other communication data while using Aldar Group Websites and Mobile Applications.
Information about your computer, IP address, operating system and browser type.
Web beacons may be used to count users visiting a web page or when an e-mail is opened etc.
Flash cookies may collect and store information about user likings and navigation

However, Aldar Group does not store any sensitive information such as personal data in the cookies.

4. Protection of personal information

By employing stringent security measures in the collection of your personal information, all Aldar Group Online Forms are submitted to backend systems in a secured manner site through an encrypted session i.e. SSL channel, though we do not guarantee security of your data outside Aldar perimeter and we cannot guarantee security of your data transmitted to us over public networks.

Aldar Group limits its employees' access to your personal information to only those personnel who hold a business reason for having access to such information.

Only authorised personal from the organisation can access your information stored in the backend systems.

Aldar Group also educates all their employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved Aldar Group personnel to access your personal information and this maintains an audit trail to further safeguard the privacy of your personal information by identifying who accessed or in any way modified your personal information.

It is your responsibility to keep secure your Website and Aldar Group Mobile Applications login IDs and passwords.

As per best practice information security, Aldar Group never requests its customers to disclose any personal information through e-mails.

5. Third party disclosure of personal information

Aldar Group follows strict privacy procedures about protecting your personal information. In addition, Aldar Group requires all third parties with a business need to access this information, to adhere to similar and equally stringent privacy policies.

Aldar Group does not provide customer’s personal information to other companies for the purpose of independent telemarketing or direct e-mail marketing of any non-financial products or services of those companies.

Personal information may be supplied :

To a third party if the customer requests it i.e. based on your explicit consent.
If the disclosure is required or allowed by law.
To reputable reporting agencies, subpoena, or during the investigation of a fraudulent activity.
To government agencies such as the Abu Dhabi Department of Municipalities and Transport, Ras Al Khaimah Municipality or Dubai Land Department to comply with our legal obligations and provide certain services to you.
To IT and technical service providers which provide us IT and technical services e.g., our cloud service provider.
Third party service providers such as payment service providers, customer relationship management service providers, lawyers, bankers, financial service providers, auditors
and insurers.
To third parties to whom we may choose to sell, transfer or merge parts of our business or our assets.
To third party agencies who verify information or check matters such as credit scores.
In conjunction with joint marketing agreements we have entered.
To Aldar Group subsidiaries to support their business needs and market their products and services.

Our Websites and Mobile Applications may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

6. Your rights regarding your personal information

Right to Object to Processing or Withdraw Consent to Processing: You have the right to ask us not to process your personal data for marketing purposes and in other limited circumstances. We will inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to object to such processing by not checking certain boxes on the forms we use to collect your
personal data. You can also later withdraw your consent to processing at any time by contacting us at Aldar Customer Care at customercare@aldar.com and updating your email preferences. Note this will not affect the lawfulness of any processing carried out before you withdraw your consent. To opt-out of interest-based ads, please disable cookies through your browser settings.
Right of Correction and Deletion: You can review and change your personal information by sending us an email at Aldar Customer Care at customercare@aldar.com
to request access to, correction or deletion (in certain circumstances) of any personal information that you have provided to us. We may not accommodate a request to change or delete information if we believe the change or deletion would violate any UAE law or legal requirement or cause the information to be incorrect.
Right of Information: You can obtain information about our processing of your personal data in certain circumstances.
Right of Transfer : You can request we transfer your personal data to another third-party entity on your behalf in certain circumstances and where this is technically feasible.
Right to Restrict Processing: You can ask us to suspend the processing of your
personal data in certain scenarios.
Right to Make a Complaint: You have the right to make a complaint at any time to the UAE Data Office, the UAE supervisory authority for data protection issues. We would however, appreciate the chance to deal with your concerns before you approach the UAE Data Office so please contact us at customercare@aldar.com in the first instance.

RIGHTS UNDER OTHER LAWS

Aldar is based in the UAE. From time to time, we may undertake processing activities which mean you have rights under the data protection laws of other territories. Where we are subject to such laws, we take steps to ensure our compliance and we shall respect your rights under such laws.

RETENTION & ANONYMIZATION OF YOUR PERSONAL INFORMATION

We will retain your personal data for the duration required to fulfil the purposes outlined in this privacy policy, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. and for so long as you maintain an account on our Websites and/or Mobile Applications or have a relationship with Aldar whether as customer or otherwise. We may retain your personal data for some time after this period based to the extent necessary to comply with applicable law.

In some circumstances, we may anonymise your personal data (so that it can no longer be associated with you) for analytics, market research and business development purposes, in which case we may use this anonymised information indefinitely without further notice to you.

PROCESSING OUTSIDE THE UNITED ARAB EMIRATES

To deliver our Website and Mobile Applications to you, it is sometimes necessary for us to share your personal data with Aldar Group companies, service providers and other third parties which are located outside the UAE. When we transfer your personal information outside of the UAE, we implement, as required by applicable law, appropriate safeguards to ensure your personal data remains protected.

7. Policy changes

We may make changes to this policy (including any additional Aldar terms and conditions incorporated by reference herein) from time to time by notifying you of such changes by any reasonable means (before they take effect), including by posting revised terms on the Website (provided that, for material changes, we will seek to supplement such notice by email, an in-service pop-up message, or other means). Any such changes will not apply to any dispute between you and us arising prior to the date on which we posted the revised policy, or other Aldar terms and conditions, incorporating such changes, or otherwise notified you of such changes. Your use of the App following any changes to these Terms will constitute your acceptance of such changes. The effective date set forth at the top of this document indicates when these Terms were last changed. If you do not wish to continue using the Websites under the updated policy as notified to you, you can stop using the Websites and contact Aldar Customer Care Team to request deletion of your personal information.