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Terms & Conditions

About these Terms

The use of this website and any transactions conducted on it are governed by these terms and conditions ("Terms"), the Privacy and Security Statement, the Hyperlink Statement and the Terms and Conditions for Internet Banking.


References to "you", "your" and "yours" are references to the person(s) accessing this website.

Acknowledgement and Acceptance of Terms

This website is owned and operated by UNB. All UNB products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.

By using this website, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.

The information and other material provided in the pages of this website (including the Terms) may be changed at any time without notice by updating this posting. You agree to review the website regularly and your continued access to, or use of, this website following any changes will mean that you agree to any changes (including any amended Terms).

No Offer or Advice

The material on this website contains general information about UNB products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services.

The information is not intended to be taken as financial advice and does not take into account any investor's individual requirements and circumstances.

Disclaimer and Limitation of Liability

The following clauses exclude or limit UNB’s legal liability for this website. You should read them carefully. They all apply only so far as the law permits.

Whilst UNB has taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on this website, information is provided in good faith on an "as is", "as available" basis and UNB does not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this website. The information is believed to be accurate and current at the date the information was placed on this website. UNB does not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this website.

The use of this website is at your sole risk. UNB shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on this website or accessed through this website, even if UNB has been advised of the possibility of such damage.

UNB does not represent or warrant that this website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

UNB makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with this website.

You may have rights and remedies available to you in relation to the provision of services by UNB which cannot be excluded, restricted or modified ("non-excludable rights"). UNB does not exclude any of these non-excludable rights, but does exclude any other conditions and warranties implied by custom, law or regulation.

UNB’s liability for breach of any non-excludable rights is limited, at the option of UNB, to the supply of the services again, or the payment of the cost of having the services supplied again.

Geographical Area

Unless otherwise stated or agreed with you, the information on this website has been prepared in accordance with U.A.E. law for residents of the U.A.E. and for the supply of products or services in U.A.E. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this website, it is not directed to you.

You acknowledge and agree that all products or services provided to you by UNB shall only be available and be deemed to be provided in the jurisdiction/s within which UNB is authorised to operate.

Third Party Sites

Where UNB provides hypertext links to other locations on the Internet, UNB does so for convenience and information purposes only. UNB has not verified, and are not responsible for, the content of any other websites or pages linked to or linking to this website. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked website or its content by UNB and, subject to any applicable law which cannot be excluded, UNB makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party website. Following links to any other websites or pages is entirely at your own risk and UNB shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.

Links to downloadable software websites are for convenience only and UNB is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

Trademarks and Copyright

Unless otherwise indicated, copyright in all information and other materials on this website (including information and its arrangement) is owned by or licensed to UNB. All rights are reserved. This website or any portion of this website may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by UNB. You may imprint, copy, download or temporarily store extracts from this website for your personal information or when you use UNB’s products and services. You must not alter anything. In particular you may not use a part of this website, or link any other website to this website, without UNB prior written permission.

Nothing contained on this website should be construed as granting any license or right of use of any trademark displayed on the website without the express written consent of UNB.


You agree not to attempt to transfer any material of any kind to this website which contains a virus, malicious computer code or any harmful component and not to otherwise attempt to alter the content of the website. You agree that you are wholly responsible for use of this website by any person using your computer and you agree to ensure that any such person complies with these Terms. You agree to immediately notify UNB of any unauthorised use of your e-mail address or any other breach of security.

Data Protection and Security

UNB may as a result of your interaction with this website hold and process personal information obtained about you when you access this website. UNB may use this information for making financing decisions and servicing UNB’s relationship with you, for the purposes of fraud prevention, audit and debt collection, to identify products and services which may be relevant to you from both within UNB and selected third parties, to evaluate the effectiveness of UNB’s marketing of this website and for statistical analysis. UNB will not disclose any such information outside UNB except where UNB is authorised by you or by the law to do so, for fraud prevention purposes, if obliged by law or a regulator, or by confidential agreement to sub contractors or people acting as UNB’s agents in the performance of the services UNB provides.

By agreeing to these Terms you agree to such information being so used and that it may be transmitted to others as stated above.


All figures displayed on this website relating to fees, charges and any other amounts are in UAE Dirhams (unless otherwise stated) and are current at the time of issue, but may change at any time.


These Terms and your access to this website may be terminated at any time by UNB without notice. All restrictions, disclaimers and limitations of liability by UNB will survive termination.

Governing Law

These Terms are governed by and are to be construed in accordance with the laws of U.A.E. You agree to the non-exclusive jurisdiction of the courts of Abu Dhabi and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this website.

If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

UNB reserves any rights not expressly granted in these Terms.

Moving on

By moving to any other part of this website you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this website.


Please read these terms and conditions carefully.

By accessing this website and any of its pages you are agreeing to the terms and condition set out below.

Hyperlinks from UNB Websites to Other Third Party Websites

This website may contain links to other websites on the Internet. These links are provided for your convenience. However, by providing hyperlinks to an external website or webpage, UNB shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise expressly stated by UNB.

UNB is not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and UNB is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. UNB is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by UNB.

Any links to websites that contain downloadable software are provided for your convenience only. Again UNB is not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider which UNB is not in any way responsible.

Please be mindful that when you click on a link and leave UNB’s website you will be subject to the terms of use and privacy policies of the other website that you are going to visit.

Hyperlinks from External Websites to UNB’s Website

You must always obtain the prior written approval of UNB before creating a hyperlink in any form from a third party website to any UNB website. UNB may or may not give such approval at its absolute discretion. In normal circumstances, UNB may only approve a hyperlink which displays plainly UNB’s name or website address.

Any use or display of UNB’s logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances and may be subject to a fee as UNB may determine at its absolute discretion.

UNB is not responsible for the setup of any hyperlink from a third party website to any UNB website. Any links so set up shall not constitute any form of co-operation with, or endorsement by, UNB of such third party website. Any link to an UNB website shall always be an active and direct link to an UNB website and shall be made directly to the home or front page of UNB’s website only and that no "framing" or "deep-linking" of UNB’s web page or content is permitted.

UNB is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. For further trademarks and copyright information, please refer to the paragraph below. UNB reserves the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to any UNB website, at its discretion at any time.

UNB’s Trademarks and Copyright

The content and information contained within UNB’s website or delivered to you in connection with your use of UNB’s website is the property of UNB and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on UNB’s website include registered and unregistered Trade Marks of UNB’s and other third parties. Nothing on UNB’s website should be construed as granting any licence or right to use any Trade Marks displayed on UNB’s website. UNB retains all proprietary rights on its website. Users are prohibited from using the same without written permission of UNB of such or such other parties.

The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without UNB's prior written consent.

No Warranties

While every care has been taken in preparing the information and materials contained in this website, such information and materials are provided to you "AS IS" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.


You expressly understand and agree that:

You assume total responsibility and risk for your use of the Site and the Internet. UNB does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or non-infringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the Site, any merchandise, information or service provided through the Site or on the Internet generally, and UNB shall not be liable for any cost or damage arising either directly or indirectly from any such transaction. The Site and any software made available on the Site are provided on an "as is, as available" basis.

Not all products or services described on the site are available in all geographical areas. You may not be eligible for all the products and services described. Eligibility for products and services will be at the discretion of UNB and subject to applicable criteria and terms and conditions of the bank.

UNB makes no warranty that (i) the Site will meet your requirements or will always be accessible, (ii) the Site will be uninterrupted, timely, secure, error-free or free from computer virus or other invasive or damaging code, (iii) the results that may be obtained from the use of the Site will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the Site will meet your expectations, and (v) any errors in the Site will be corrected.

Any content downloaded, uploaded or otherwise obtained through the use of the Site is done at your own discretion and risk. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the Site or on the Internet generally.

Any communication or material you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary. Anything you transmit or post becomes the property of UNB or its affiliates and may be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, UNB is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever including, but not limited to, developing and marketing products using such information.