Terms of Use

1. About ClearRate

clearrate.ae (the "Platform") is operated by Clear Rate Mortgage FZE LLC, a Free Zone Establishment registered in the Ajman Nuventures Centre (ANC) Free Zone, United Arab Emirates ("ClearRate", "we", "us", "our"). ClearRate is not a real estate broker or agent in respect of property sale and rental listings. We do not list, market, negotiate, or transact on behalf of any party to a property sale or tenancy. ClearRate provides a technology platform on which verified individual property owners may publish property listings directly to prospective buyers and tenants, and through which verified buyers and tenants may view listings and contact owners.

Clear Rate Mortgage FZE LLC holds a licence issued by the Ajman Nuventures Centre Free Zone for the activity of Real Estate Mortgage Consultancy, which governs the Platform's mortgage information, guidance, and pre-approval referral features. As noted on that licence, relevant authority approval must be obtained prior to conducting applicable licensed business activities, and ClearRate confirms it operates within the scope of approvals held from time to time.

2. Acceptance of These Terms

By creating an account, publishing a Listing, submitting an enquiry, or otherwise using the Platform, you agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and our Cookie Policy. If you do not agree, you must not use the Platform.

3. Eligibility

• You must be at least 18 years of age and have full legal capacity to enter into binding agreements under UAE law.
• Sellers must hold, or represent that they hold, a valid legal or beneficial ownership interest in the property being listed, or written authority from the registered owner.
• Buyers must complete OTP (one-time password) verification of a valid mobile number before contacting any Seller.
• ClearRate may refuse, suspend, or revoke access to the Platform, at its discretion, where these eligibility criteria are not met or are reasonably believed not to be met.

4. Account Registration

Sellers may register using UAE Pass digital identity verification, or, where UAE Pass is unavailable to them, via email registration accompanied by manual document upload for identity and ownership verification. ClearRate reserves the right to request additional documentation, reject a registration, or place a Listing under review at any stage of the verification process.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify ClearRate promptly of any unauthorised use of your account.

5. Nature of the Service

ClearRate is strictly a listing and introduction platform. We do not verify the accuracy of any Listing beyond the identity and ownership checks described in Section 4; participate in, mediate, or facilitate negotiations between Users; hold, transfer, or handle funds relating to any property transaction; or provide legal, financial, valuation, or tax advice of any kind.

All negotiation, agreement of price and terms, and completion of any sale or tenancy takes place directly and independently between the Seller and Buyer, outside of the Platform. ClearRate is not a party to, and accepts no responsibility for, any transaction between Users.

Obtaining any Trakheesi permit, RERA approval, or other regulatory permit required to advertise or broker a property remains the sole responsibility of the party legally required to hold it. Individual owner-Sellers listing their own property directly are advised to confirm their own obligations with the relevant land department; ClearRate does not obtain, verify, or guarantee the existence of any such permit on a User's behalf.

6. Listing Products and Fees

6.1 Standard Listing

A Standard Listing allows a Seller to publish a property with a visible asking price, for a flat fee of AED 1,000 per month, billed in advance and renewing automatically until cancelled.

6.2 Blind Offer Listing

A Blind Offer Listing allows a Seller to publish a property without a visible asking price. Prospective Buyers submit sealed offers directly to the Seller through the Platform. The fee for a Blind Offer Listing is AED 2,000 per month, billed in advance and renewing automatically until cancelled. ClearRate does not disclose competing offer amounts to any party, rank offers, or otherwise participate in the offer process beyond enabling secure submission and delivery of offers to the Seller.

6.3 PRO Documentation Service

Sellers and Buyers who have independently agreed terms may optionally engage ClearRate's PRO Documentation Service, a paid add-on service (AED 3,000–5,000 per transaction, depending on scope) that assists both parties in preparing and completing standard documentation for a Dubai Land Department or relevant emirate land department transfer without engaging a licensed brokerage. This service is administrative and clerical in nature; it does not constitute legal advice, and ClearRate does not act as agent, broker, or legal representative for either party in connection with it.

7. Listing Content Standards

You are solely responsible for the accuracy, legality, and completeness of any Listing you publish. Listings must not contain false, misleading, or fraudulent information; images or descriptions of a property you do not have the right to list; discriminatory, offensive, or unlawful content; or contact information other than that verified on your account.

ClearRate reserves the right, but is not obligated, to review, edit, suspend, or remove any Listing that it reasonably believes violates these Terms or applicable law, without prior notice.

8. Buyer Conduct

Buyers agree to use contact details obtained through the Platform solely for the purpose of a genuine property enquiry, and not for unsolicited marketing, harassment, or any unlawful purpose. Repeated misuse may result in suspension of a Buyer's access to the Platform.

9. Fees, Payment, and Refunds

All fees are quoted in UAE Dirhams (AED) and processed through our third-party payment processor, Tap Payments. By submitting payment, you authorise ClearRate and Tap Payments to charge your selected payment method for the applicable listing or service fee, including recurring monthly renewal charges, until cancelled.

Except where required by UAE consumer protection law, listing fees are non-refundable once a Listing has been published, including where a property is sold or let before the end of a billing cycle, or where a Listing is removed by ClearRate for a Terms violation.

10. Intellectual Property

The Platform's software, design, trademarks, logos, and underlying technology are the property of ClearRate or its licensors and may not be copied, reproduced, or used without prior written consent. Users retain ownership of Content (including photographs and descriptions) they submit but grant ClearRate a non-exclusive, royalty-free, worldwide licence to host, display, reproduce, and distribute that Content on and in connection with the Platform for as long as the relevant Listing remains active, and for a reasonable period thereafter for record-keeping and legal compliance purposes.

11. Third-Party Services

The Platform integrates third-party services including UAE Pass (identity verification), Twilio (SMS/OTP delivery), Tap Payments (payment processing), Mapbox (mapping), and cloud infrastructure providers (Supabase, Vercel). Use of these integrations is also subject to the relevant third party's own terms and privacy practices. ClearRate is not responsible for the availability, performance, or acts and omissions of these third-party providers.

12. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE". CLEARRATE DOES NOT WARRANT THE ACCURACY OF ANY LISTING, THE OWNERSHIP CLAIMS OF ANY SELLER, THE CREDITWORTHINESS OR GENUINENESS OF ANY BUYER, OR THAT ANY LISTING WILL RESULT IN A COMPLETED TRANSACTION. CLEARRATE DOES NOT PROVIDE, AND THIS PLATFORM SHOULD NOT BE RELIED UPON FOR, PROPERTY VALUATION, LEGAL, TAX, OR FINANCIAL ADVICE.

USERS ARE STRONGLY ADVISED TO CONDUCT INDEPENDENT DUE DILIGENCE, INCLUDING TITLE VERIFICATION THROUGH THE RELEVANT LAND DEPARTMENT, BEFORE ENTERING INTO ANY TRANSACTION.

13. Limitation of Liability

To the maximum extent permitted under UAE law, ClearRate's total liability arising out of or related to use of the Platform shall not exceed the total fees paid by the affected User to ClearRate in the twelve (12) months preceding the claim. ClearRate shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profit or loss of a bargain, arising from any transaction, or the failure of any transaction, between Users.

14. Indemnification

You agree to indemnify and hold harmless ClearRate, its officers, employees, and affiliates from any claim, loss, or liability arising from your breach of these Terms, your Listing content, your misrepresentation of ownership or authority, or your conduct in connection with any transaction with another User.

15. Suspension and Termination

ClearRate may suspend or terminate any account, with or without notice, where it reasonably believes a User has violated these Terms, applicable law, or poses a risk to the integrity of the Platform. Users may close their account at any time through account settings; active Listings will be removed and no further fees will be charged, subject to Section 9.

16. Governing Law and Dispute Resolution

These Terms are governed by the federal laws of the United Arab Emirates and, to the extent applicable, the laws of the Emirate of Ajman.

Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved amicably; failing which, it shall be subject to the exclusive jurisdiction of the competent courts of the United Arab Emirates, or, where the parties agree in writing, referred to arbitration seated in the UAE.

Note: Consider DIFC-LCIA or ADGM arbitration clause depending on the final incorporation structure (to be confirmed with legal counsel).

17. Changes to These Terms

ClearRate may update these Terms from time to time. Material changes will be notified through the Platform or by email/SMS at least seven (7) days before taking effect. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

18. Contact

Questions about these Terms may be directed to hello@clearrate.ae, or by post to:

Clear Rate Mortgage FZE LLC
BC-890348
26th Floor, Amber Gem Tower
Sheikh Khalifa Street
Ajman, United Arab Emirates

Last Updated

July 9, 2026

Version

Version 1.1 — reflects Clear Rate Mortgage FZE LLC entity details and current product terms:

• Standard Listing: AED 1,000/month
• Blind Offer Listing: AED 2,000/month
• PRO Documentation Service: AED 3,000–5,000 per transaction