Disclaimer

At NinjaCompares, we believe financial decisions should be simple, transparent and informed.

Our platform helps you explore financial products, compare available options and understand your potential eligibility before applying.

We are committed to providing useful information and innovative technology to support your financial journey.

Before using our services, please review the following important information.

NinjaCompares (www.ninjacompares.com) is a digital financial product comparison and application assistance platform operated by Contento Finance Brokers L.L.C, registered in Dubai, United Arab Emirates, under commercial licence number 1553278.

Our platform helps eligible UAE residents explore and compare financial products offered by participating financial institutions, including:

• Auto Finance
• Personal Loans
• Mortgages
• Credit Cards

NinjaCompares is not a bank, lender or credit provider.

We do not issue loans, provide financing, accept deposits or make lending decisions.

Our role is to simplify financial product comparisons, assist users in understanding available options and facilitate applications to participating financial institutions.

All financial products are offered and provided by their respective financial institutions.

NinjaCompares is intended for individuals who are at least 18 years old, reside in the United Arab Emirates and meet the identification and account requirements specified in our Terms and Conditions.

Users must provide accurate, complete and up-to-date information when using our services.

Access to NinjaCompares does not automatically establish eligibility for any financial product.

Individual financial institutions may apply additional requirements relating to age, residency, income, employment, creditworthiness and other criteria.

NinjaCompares aims to provide clear, accurate and transparent financial product comparisons.

Information displayed on our platform, including interest rates, profit rates, financing amounts, repayment periods, monthly instalments, fees and eligibility requirements, is provided for informational and comparison purposes.

Such information may be based on published financial institution information, participating institutions' product criteria and calculations generated by our platform.

While we take reasonable steps to maintain accurate and updated information, financial products and their conditions may change without prior notice.

Displayed information may therefore differ from the final terms offered by a financial institution.

All financial product comparisons, calculations and displayed offers are indicative unless expressly confirmed by the relevant financial institution.

NinjaCompares does not guarantee the accuracy, completeness or continuing availability of every financial product displayed.

NinjaCompares may assess the financial information provided by users to identify products that potentially match their financial circumstances.

These assessments may consider information such as income, existing financial commitments, age, requested financing amount and applicable product eligibility criteria.

The results are preliminary and intended to help users understand their potential financing options.

An eligibility indication, estimated financing amount or product match does not constitute credit approval, pre-approval or a guaranteed financial offer.

All financing applications remain subject to the relevant financial institution's independent assessment, internal credit policies, document verification and applicable regulatory requirements.

The financial institution retains sole authority to approve or decline an application and determine the final financing amount, pricing, repayment terms and other conditions.

NinjaCompares does not influence or override the final credit decision of any participating financial institution.

NinjaCompares uses automated technology and may provide artificial intelligence-powered features to simplify financial comparisons and help users understand available products.

Our proprietary Ninja Score is an informational indicator designed to provide users with a preliminary assessment of their financial affordability in relation to a selected financing product.

The Ninja Score is presented on a scale of 0 to 100 and is calculated using only the following financial and personal information:

• Monthly income
• Existing monthly financial commitments
• Estimated monthly instalment for the selected financing product
• Age

The Ninja Score is not an official credit score and does not represent a comprehensive assessment of a user's creditworthiness.

In particular, it does not independently assess a user's credit history, repayment behaviour or credit utilisation using credit bureau records.

The Ninja Score is not issued, calculated, approved or endorsed by Al Etihad Credit Bureau (AECB).

It does not replace an official credit bureau report, a financial institution's credit assessment or any regulatory creditworthiness requirements.

A higher Ninja Score does not guarantee financing approval, preferential pricing or acceptance by any financial institution.

Automated calculations, AI-generated insights and eligibility assessments may occasionally contain inaccuracies or reflect incomplete information.

Users should independently verify important financial information before making financial commitments.

NinjaCompares provides financial product comparisons, informational content and technology-assisted eligibility assessments.

Our services are designed to support informed financial decisions.

However, information provided through NinjaCompares does not constitute independent financial, investment, legal, tax or credit advice.

Product comparisons, calculator results, automated suggestions and eligibility indicators should not be interpreted as personalised professional recommendations or guarantees that a particular product is suitable for an individual.

Users remain responsible for evaluating their personal financial circumstances, borrowing requirements, affordability and repayment obligations.

Before accepting any financial product, users should carefully review the relevant financial institution's official offer, Key Facts Statement, fees, repayment obligations and contractual terms.

Where appropriate, users should seek independent advice from a suitably qualified professional.

NinjaCompares may maintain commercial relationships with participating banks, financing companies and other financial service providers.

Where permitted by applicable laws and regulations, NinjaCompares may receive referral fees, commissions or other commercial compensation from participating institutions.

These commercial arrangements do not guarantee that any financial institution will approve an application.

NinjaCompares aims to present financial product information transparently and clearly identify sponsored or preferential placements where applicable.

Our platform may not display every financial product available in the UAE market.

The absence of a financial institution or product from NinjaCompares does not imply that the institution or product is unavailable, unsuitable or inferior.

Unless otherwise expressly disclosed, NinjaCompares does not charge individual consumers for using its financial comparison and application assistance services.

Financial institutions may independently charge interest, profit, processing fees, insurance premiums or other costs in accordance with their applicable product terms.

Any future fees payable directly to NinjaCompares will be disclosed before the user agrees to the relevant service.

NinjaCompares respects the privacy and confidentiality of users' personal and financial information.

We collect, process and protect personal information in accordance with our Privacy Notice and applicable UAE data protection requirements.

NinjaCompares may use UAE PASS authentication to verify a user's identity and facilitate access to platform services.

UAE PASS authentication does not automatically authorise access to a user's credit bureau records, bank accounts or other protected financial information.

Access to any such information, where offered in the future, will be subject to applicable legal requirements, appropriate authorisations and any required user consent.

Where users choose to submit financing applications through NinjaCompares, relevant personal and financial information may be shared with the selected financial institution in accordance with the applicable consent and data protection requirements.

Financial institutions receiving application information are independently responsible for their subsequent handling and processing of that information.

For more information, users should review our Privacy Notice.

NinjaCompares may facilitate access to products, services, websites or systems operated by independent third parties.

These may include participating banks, financing companies, identity verification providers and other authorised service providers.

Each financial institution is independently responsible for its products, approval decisions, contractual obligations, pricing and service delivery.

NinjaCompares does not control the internal policies, operational processes or commercial decisions of participating financial institutions.

To the extent permitted by applicable law, NinjaCompares is not responsible for changes in third-party product conditions, independent credit decisions or interruptions in external systems beyond our reasonable control.

Users should review the applicable terms, conditions and privacy notices of relevant third-party service providers.

Any financial product obtained following a comparison or application through NinjaCompares is provided by the relevant financial institution.

The financial agreement is entered into directly between the user and that financial institution.

NinjaCompares is not a party to the financing agreement unless expressly stated otherwise in separate contractual documentation.

Users should carefully review all applicable financial documentation before accepting a product.

This includes the approved financing amount, interest or profit rate, monthly instalments, repayment period, fees, early settlement conditions and other contractual obligations.

Where information displayed on NinjaCompares differs from a financial institution's final approved offer, the terms of the final agreement govern the financial product.

Users should request clarification from the financial institution before accepting any unexpected or unclear conditions.

Borrowing is a financial commitment. Users should ensure that their repayment obligations remain affordable throughout the financing period.

NinjaCompares takes reasonable steps to provide reliable information, maintain platform security and operate its services responsibly.

However, no digital platform, automated assessment or third-party information source can guarantee complete accuracy or uninterrupted availability.

To the extent permitted by applicable UAE law, NinjaCompares does not guarantee:

• Approval of any financing application.
• Availability of a particular financial product.
• Specific interest rates, profit rates or repayment terms.
• Accuracy of every third-party product detail.
• Error-free automated calculations or AI-generated results.
• Uninterrupted access to the platform or connected third-party systems.

NinjaCompares is not responsible for losses resulting solely from inaccurate information provided by users, independent financial institution decisions or circumstances beyond our reasonable control.

Nothing in this disclaimer excludes or restricts liability that cannot lawfully be excluded or restricted under applicable UAE law, including liability arising from fraud, wilful misconduct or gross negligence.

Nothing in this disclaimer limits any mandatory consumer protection rights available under applicable law.

NinjaCompares may update this disclaimer periodically to reflect changes in our services, technology, commercial arrangements or applicable legal and regulatory requirements.

Any updated version will be published on our website with a revised version number and effective date.

Where material changes affect users' legal rights or require additional consent, we will provide appropriate notice and obtain such consent where required by law.

Users are encouraged to review the latest version of this disclaimer when using our services.

This disclaimer is governed by the applicable federal laws of the United Arab Emirates and the laws applicable in the Emirate of Dubai.

Any disputes relating to the use of NinjaCompares will be addressed in accordance with the applicable Terms and Conditions and mandatory legal requirements.

This disclaimer should be read together with the NinjaCompares Terms and Conditions, Privacy Notice and other applicable policies.

If you have questions about this disclaimer or require clarification regarding our services, please contact us.

• Contento Finance Brokers L.L.C
• Trading Name: NinjaCompares
• Commercial Licence Number: 1553278
• Registered Address: Warehouse P2, Block T, Saih Shuaib 3, 13-0, Dubai, United Arab Emirates
• Email: hello@ninjacompares.com
• Website: www.ninjacompares.com

We welcome questions and are committed to providing clear and transparent information about our services.

We believe financial technology should empower people, not complicate their decisions.

Our purpose is to help you navigate financial products with greater clarity, confidence and understanding.

We provide the tools, information and technology to help you explore your options.

You decide which opportunities to pursue.

Your chosen financial institution determines the final approval and contractual terms.

NinjaCompares empowers your financial decisions. You remain in control. Your bank makes the final approval decision.