Terms and Conditions

• NinjaCompares helps you compare credit cards, personal loans, mortgages and auto finance products offered by UAE banks. You may submit an application to the bank you choose through the Platform.
• The Platform is free for all end users.
• We are not a bank or a lender and we do not provide financial, credit, investment, tax, or legal advice. The decision to approve your application rests solely with the bank.
• You sign in with UAE PASS, which we use only to authenticate your identity. A bank receives only the information and documents you choose to send, including a copy of your Emirates ID uploaded when you apply, after you provide explicit consent for that bank.
• All information and any documents are stored securely within the UAE. You may access, withdraw, or delete your permissions and documents at any time from your account. Processing of your data is based on your consent, contractual necessity, or legal obligation as set out in our Privacy Policy.

NinjaCompares and ninjacompares.com (the Platform) are operated by Contento Finance Brokers L.L.C, Warehouse P2, Block T, Saih Shuaib 3, 13-0, Dubai, UAE, a limited liability company licensed by the Dubai Department of Economy and Tourism under commercial licence No. 1553278, Commercial Register No. 2704504 (Contento, we, us, our). NinjaCompares is a brand of Contento.

These Terms and Conditions (the Terms) form a legally binding agreement between you and Contento. Please read these Terms carefully before you use the Platform. By accessing and using the Platform, you indicate that you agree to be bound by these Terms. If you do not agree to these Terms, please refrain from using the Platform and exit immediately.

You may use the Platform only if you: (a) are at least 21 years old; (b) are resident in the UAE and hold a valid Emirates ID and an active UAE PASS account; (c) are acting for yourself, not for a business or on behalf of another person; and (d) provide information that is true, current and your own.

The Platform allows you to compare consumer finance products — credit cards, personal loans, mortgages and auto finance — offered by banks and finance companies licensed in the UAE (Partner Institutions), prepare an application, and send it to a Partner Institution you choose.

We are not a bank, finance company or lender. We do not provide credit, hold your money, or make any credit decision. Any product you obtain is provided by the Partner Institution, and any agreement for it is between you and that Partner Institution only.

Nothing on the Platform constitutes financial, credit, investment, tax or legal advice, or a recommendation that a product is suitable for you. Comparisons, filters, sort orders, calculators and indicators are provided as general information generated from criteria you select. You are solely responsible for determining whether a product suits your circumstances, and we encourage you to seek independent advice before entering into any credit agreement.

5.1 You sign in to the Platform using UAE PASS, the UAE national digital identity. UAE PASS is operated by UAE government authorities, not by us, and your use of it is governed by the UAE PASS terms and privacy policy.

5.2 We do not receive or store your UAE PASS password, PIN, or any facial or fingerprint data. Identity verification occurs solely on UAE PASS's own systems.

5.3 We use UAE PASS only to authenticate you when you sign in and to keep your account secure. We receive the sign-in details listed on our sign-in screen and in our Privacy Notice, only with the consent you give there and on the UAE PASS screen.

5.4 When you apply for a product, we ask you to upload a copy of your Emirates ID together with the other documents required for that product (clause 6).

5.5 We are not responsible for the availability, operation, security or performance of UAE PASS. If UAE PASS is unavailable, or if our access to UAE PASS is suspended or ended by the authorities, we may be unable to provide some or all of the Platform. We will notify you as soon as reasonably possible, and you retain your rights over your data under clause 16.

6.1 To prepare an application, you shall enter information and upload documents, such as a copy of your Emirates ID, a salary certificate, bank statements, passport and visa copies, driving licence, employment contract or proof of home-country address. The documents required depend on the product and the Partner Institution, and we display the list to you before you start. You are responsible for ensuring all information and documents are accurate, complete, current and lawful.

6.2 Where the service is available and the issuing authority permits, you may request us to obtain an official document on your behalf from the authority that issued it. We will always display the source and ask for your consent before we retrieve anything.

6.3 We use your documents and information only for the purposes described in these Terms, including preparing and sending the applications you choose. We send documents and information to a Partner Institution only after you have consented to their disclosure to that named Partner Institution, except where disclosure is otherwise required or permitted by law.

6.4 We store your information and documents on servers located in the United Arab Emirates, protected as described in our Privacy Notice, and retain them only for the periods set out there.

6.5 You represent and warrant that every document and information you provide is genuine, unaltered, current and yours (or that you are legally entitled to provide it). Submitting a false or altered document to a Partner Institution may have legal consequences for you that we cannot prevent, and may also result in your application being rejected or your account being suspended or closed.

6.6 We may check your file for completeness and consistency and show you a file-readiness indicator (Ninja Rank). This is not a verification of authenticity, a credit score, and does not constitute an offer or pre-approval.

7.1 When you choose to send an application, you authorise us, for that application only, to: (a) send the information and documents you approved to the Partner Institution you selected; (b) communicate with that Partner Institution about the progress of your application; (c) receive its requests and messages and pass them to you; and (d) pass your responses back to that Partner Institution.

7.2 We will not: enter into any agreement for you; sign anything in your name; accept or decline any offer for you; negotiate terms on your behalf; or give any instruction affecting your accounts or funds.

7.3 This authority ends on the earliest of the Partner Institution's final decision, your withdrawal of the application, or 90 days after you sent it. You may withdraw your application at any time from your account.

8.1 Each Partner Institution makes its own decisions under its own policies, credit assessment and applicable law. We do not guarantee the approval, rates, terms or timing of an application that will be offered.

8.2 A Partner Institution may request additional information or documents from you. Its own terms and privacy notice apply to your dealings with it.

8.3 Once a Partner Institution receives your application it is responsible, as an independent controller, for how it uses your data. Complaints about its product, decision, fees or service go to it first (see clause 15).

Rates, fees and terms shown are indicative, set by the Partner Institution, and may change or depend on its assessment of you. Calculator results are estimates based on stated assumptions; the actual figures are those in the Partner Institution's offer. Conditional or bundled rates are shown with their conditions.

You agree to: keep your information accurate and up to date; use only your own identity and one account; keep your device and UAE PASS credentials secure; and notify us promptly at hello@ninjacompares.com if you suspect misuse. You must not: use the Platform for anything unlawful or fraudulent; submit information or documents about another person; scrape, copy, reverse-engineer or access the Platform by automated means; or interfere with its security or operation.

The Platform, and all intellectual property rights in or relating to its content, software, design, databases, functionality, trademarks, brand names, logos and other materials are owned and licensed to Contento or its licensors. Subject to these Terms, you may use the Platform solely for your own personal, non-commercial purposes. You agree not to modify, copy, reproduce, distribute, publish, transmit, license, sell, transfer, engineer or otherwise use any part of the Platform. You also agree not to create and/or publish your own database that features all or any part of this Platform without our prior written express consent. Nothing in these Terms transfers to you any ownership or other intellectual property rights in the Platform or its content. Partner Institution names and marks belong to them or their respective licensors, and no right to use them is granted to you except as necessary to use the Platform in accordance with these Terms.

12.1 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under UAE law, including liability for our fraud, wilful misconduct or gross negligence, or for harm caused by our unlawful act.

12.2 We are not responsible for: (a) any Partner Institution's decisions, products, delays, conduct or use of your data after it receives your application, or for any indirect or consequential loss; (b) loss caused by inaccurate, incomplete or outdated information supplied by you or a third party; (c) loss arising from your failure to follow these Terms or secure your account; (d) interruption or unavailability caused by third-party systems or events outside our reasonable control; or (e) indirect, incidental, special, punitive or consequential loss, loss of opportunity, loss of profit, loss of business or loss of anticipated savings, in each case to the extent such exclusion is permitted by law.

You agree to indemnify Contento, its officers, employees and agents from and against any losses, liabilities, claims, damages, costs and expenses incurred by Contento arising out of or in connection with: (a) any material breach by you of these Terms; (b) any information or document submitted by you through the Platform that is materially false, misleading, fraudulent or provided without proper authority; (c) your infringement of any third-party rights. You agree to compensate us for any actual and reasonable loss, liability, cost or expense incurred by us as a direct result of: (a) you knowingly providing false information or documents; and (b) your breach of clause 11, in each case to the extent permitted by applicable law.

14.1 You may close your account at any time through the available Settings. We will cease processing your data except as required to meet legal obligations. If you request, we will notify any Partner Institution holding a live application of yours that you have withdrawn.

14.2 We may suspend or close your account if we reasonably believe you have breached these Terms, to prevent fraud, if required by law or an authority, or under clause 5.5. Where permitted by law, we will notify you of the reason.

About us — our service, our conduct, or how we handled your data: email hello@ninjacompares.com. We will aim to acknowledge your complaint within 2 business days and aim to respond in full within 15 business days.

About a Partner Institution — its decision, product, fees or service: contact its complaints team first. Every institution licensed by the Central Bank of the UAE must have one. If you remain dissatisfied, you may escalate your complaint to Sanadak, the UAE's independent financial services ombudsman unit.

How we handle personal data is set out in our Privacy Notice at /legal/privacy-policy. Where we rely on your consent — to sign you in with UAE PASS, to retrieve documents, to send your application to a named Partner Institution, or for marketing — we will request it separately from these Terms, and you may withdraw it at any time from Settings › Permissions or by emailing hello@ninjacompares.com. Withdrawal does not affect processing already done.

We may retain records where required for legal, regulatory, audit, fraud-prevention, or compliance purposes notwithstanding account closure or deletion requests, to the extent permitted or required by law.

We will take all reasonable measures to ensure information you transmit to us using the Platform will remain confidential and protected from unauthorised access. Despite those measures, we do not warrant against unauthorised access to that information. We will not be liable for any such unauthorised access unless caused solely by our gross negligence.

We may update these Terms or change, add, suspend, or discontinue Platform features from time to time. For material changes we will provide reasonable advance notice by email or in your account before they take effect; minor corrections take effect on publication. If you do not agree, you may close your account before the change takes effect. Continued use of the Platform after an updated version takes effect constitutes acceptance of the updated Terms. A new use of your data will always require new consent, never introduced through a Terms update. Earlier versions remain available on the Platform.

These Terms are governed by the federal laws of the United Arab Emirates as applied in the Emirate of Dubai. The courts of Dubai shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Platform.

These Terms are published in Arabic and English. If there is any inconsistency, the Arabic version prevails.

If any part of these Terms is found unenforceable, the rest remains in effect. Not enforcing a right is not a waiver of it. You may not transfer your rights under these Terms. We may transfer ours to another entity that takes over the Platform, after giving you notice, provided your data rights and consents are respected. These Terms, the Privacy Notice and the consents you give on the Platform constitute the whole agreement between us regarding the Platform.

Contento Finance Brokers L.L.C, Warehouse P2, Block T, Saih Shuaib 3, 13-0, Dubai, UAE · General, privacy and complaints: hello@ninjacompares.com · Phone: +971 55 631 7559.