Terms of Use

These terms govern your use of mova.ae, the TruMortgage app, our WhatsApp and email channels, and the mortgage advisory, pre-approval, calculator and TruValue valuation services we provide (together, the Services). By creating an account or using the Services you agree to these terms. If you do not agree, please do not use the Services.

1. Who we are

The Services are provided by MOVA Mortgage Consultancy L.L.C (trading as MOVA, Dubai DET trade licence no. 1635365, Office 2507, Westburry Tower 1, Business Bay, Dubai, United Arab Emirates), part of the Wise Networks group ("MOVA", "we", "us").

2. What MOVA does, and does not do

  • MOVA is a mortgage advisory and brokerage business. We help you understand your borrowing options, compare lenders, prepare your application and liaise with the lenders you choose.
  • MOVA is not a bank and does not lend money. Every credit decision, interest rate, fee and condition is set by the lender, which may approve or decline an application at its own discretion.
  • We work with a panel of lenders and may not cover every product available in the market.
  • We do not give legal, tax or investment advice. Please take independent advice where you need it.

3. Fees and how we are paid

We do not charge you a brokerage fee for mortgage advisory through the TruMortgage app. We are usually paid a commission by the lender when a mortgage you arranged through us is completed. The commission does not change the interest rate the lender offers you. Third-party costs such as bank processing fees, bank valuation fees, Dubai Land Department fees, trustee fees and insurance are charged by those parties and are set out in the lender's offer and the transaction documents. Paid products, such as a TruValue valuation report, are priced before you order them.

4. Estimates, calculators and pre-approvals

  • Rates, calculators, budgets, reports and comparisons in the Services are indicative only. They are based on the information you give us and on market and lender information available at the time, and are not an offer of credit.
  • A TruMortgage digital pre-approval is MOVA's assessment of your likely eligibility. It is not a lender's approval or commitment to lend.
  • A bank pre-approval (approval in principle) is issued by the lender, is subject to the lender's conditions and validity period, and does not guarantee a final offer.

5. TruValue valuation reports

  • A TruValue report is an indicative desktop valuation prepared by MOVA from property records, market data and the information you provide, and reviewed by a MOVA advisor. It is usually delivered within one business day.
  • It is for your own information. It is not a bank valuation and does not replace the valuation a lender commissions before lending. Lenders may reach a different value.
  • You may only request a report for a property you own or are buying, or with the owner's permission.

6. Promotions, coupons and rewards

  • From time to time we offer promotions, such as a free TruValue coupon on special days for customers whose property ownership we have verified. Each promotion has its own conditions, shown in the app.
  • Unless the promotion says otherwise, a coupon is valid for the period shown (for example 3 days), may be used once, is limited to one per property and per customer for each promotion, is not transferable and has no cash value.
  • We may refuse, cancel or withdraw a coupon or reward obtained through false information, duplicate accounts or misuse, and we may end a promotion at any time without affecting coupons already validly issued.
  • Referral rewards are paid under the conditions shown in the app at the time of the referral.

7. Your account

  • You must be legally able to enter into a binding agreement in the UAE to use the Services.
  • You sign in with a one-time code sent to your phone or email. Keep your device and codes secure; you are responsible for activity under your account until you tell us it has been misused.
  • You can delete your account in the app at any time. Records we must keep by law are retained as described in our Privacy Policy.

8. Your information and documents

  • You confirm that all information and documents you provide are true, complete, current and your own (or provided with the permission of the person they relate to, such as a co-applicant).
  • Providing false, altered or misleading documents is prohibited and may be a criminal offence. We may decline to act for you, stop the Services and, where required by law, report suspicious activity to the authorities.
  • You authorise us to share your application and documents with the lenders you approve for each submission, and with service providers needed to deliver the Services, as described in our Privacy Policy.

9. Agents and partners

If a real estate agent or partner introduced you to us, they may see the status of your application but not your documents or financial details. Agents and partners are independent businesses; MOVA is not responsible for their services.

10. Acceptable use

You must not misuse the Services, including by attempting to access other people's data, interfering with the app or our systems, scraping or copying our content or data, reverse-engineering the app, using the Services for an unlawful purpose, or impersonating another person.

11. Intellectual property

The Services, including the TruMortgage and TruValue names, logos, software, designs, reports and content, belong to MOVA or its licensors. We give you a personal, non-exclusive, non-transferable licence to use the app and your reports for your own purposes. You keep ownership of the documents you upload.

12. Third-party services

The Services may link to or rely on third-party services such as lenders, WhatsApp, app stores and payment or signature providers. Their own terms and privacy policies apply, and we are not responsible for them.

13. Availability and changes

We work to keep the Services available and accurate, but we do not guarantee that they will be uninterrupted or error-free. We may change, suspend or discontinue any part of the Services, and we may update these terms. Material changes will be notified in the app or by email before they take effect; continuing to use the Services means you accept the updated terms.

14. Liability

  • We provide the Services with reasonable skill and care. To the extent permitted by UAE law, we are not liable for decisions made by lenders, for losses caused by inaccurate or incomplete information you provide, for indirect or consequential loss, or for loss of profit or opportunity.
  • To the extent permitted by law, our total liability to you in connection with the Services is limited to the fees you paid MOVA directly for the service concerned, or AED 1,000 where no fee was paid.
  • Nothing in these terms limits liability that cannot be limited under UAE law, including for fraud or wilful misconduct.

15. Ending the relationship

You may stop using the Services and delete your account at any time. We may suspend or close your account if you breach these terms, if required by law, or if we reasonably suspect fraud. Sections that by their nature should continue (such as liability, intellectual property and governing law) continue after the relationship ends.

16. Complaints

If you are unhappy with our Services, please contact your MOVA advisor or email [email protected]. We will acknowledge your complaint promptly and aim to resolve it fairly and as quickly as possible.

17. Governing law and disputes

These terms are governed by the laws of the Emirate of Dubai and the federal laws of the United Arab Emirates. The courts of Dubai have exclusive jurisdiction over any dispute arising from them, without affecting any mandatory consumer rights you have under UAE law.

18. General

If any part of these terms is found invalid, the rest remains in force. Our failure to enforce a right is not a waiver of it. These terms and our Privacy Policy are the entire agreement between you and MOVA about the Services. If these terms are translated, the English version prevails in case of any difference.

19. Contact

MOVA Mortgage Consultancy L.L.C, Office 2507, Westburry Tower 1, Business Bay, Dubai, UAE · Email: [email protected] · Web: mova.ae

Last updated: 18 October 2026