These terms apply to your use of the Lugain Global website, operated by Al Lojain Banking Solutions in Dubai, United Arab Emirates. By using the website, you agree to these terms. If you do not agree, please do not use the website.
Who we are
Lugain Global is a financing broker. We help clients compare and apply for financing and banking products offered by banks and financial institutions. We are not a bank or a lender, we do not grant financing ourselves and we do not hold client funds. Every financing decision, including approval, amount, rate and terms, is made solely by the relevant bank.
Information only
The content on this website, including service descriptions, articles, examples and figures, is provided for general information only. It does not constitute financial, investment, legal or tax advice, and it does not take your personal circumstances into account. You should seek advice specific to your situation before making any financial decision.
No guarantees
- We do not guarantee that any financing application will be approved.
- We do not guarantee any interest or profit rate, instalment amount or processing time.
- We do not guarantee any investment, rental or other return. Past results and client experiences do not guarantee future outcomes.
- Regulatory limits and bank criteria change from time to time, and banks may apply stricter conditions than those described on the website.
Finance calculator
Results from our finance calculator are estimates based on the figures you enter. They are indicative only and do not represent an offer from any bank. Actual payments depend on the bank's pricing, fees and assessment.
Fees
Our initial consultation is free. Any fee for our brokerage, consulting, legal or attestation services is agreed with you in writing before work starts. Government and bank fees are separate and are set by the relevant authorities and banks.
Your responsibilities
- Provide accurate, complete and up-to-date information and documents.
- Use the website lawfully and do not attempt to disrupt or misuse it.
- Do not submit documents or information belonging to another person without their authorisation.
Intellectual property
The website content, design, text and logos belong to Lugain Global or are used with permission. You may not copy, reproduce or distribute them for commercial purposes without our prior written consent.
Third-party links
The website may contain links to other websites, such as banks or government authorities. We are not responsible for their content or their privacy practices.
Limitation of liability
To the extent permitted by law, Lugain Global is not liable for any loss arising from reliance on the general information on this website, or from decisions made by banks or third parties.
Changes
We may update these terms from time to time. The version published on this page applies from the date of publication.
Governing law
These terms are governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai, and the courts of Dubai have jurisdiction over any dispute arising from them.
Contact us
For any question about these terms, email [email protected].
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