Terms of Use

Disclaimer of Warranty

UAE Exchange makes no warranty of any kind regarding the website, content, products or services, all of which are provided on an "as is" and "as available" basis. The user expressly agrees that use of the services is at their sole risk. UAE Exchange expressly disclaims any representation or warranty that the website will be free from errors, viruses or other harmful components, that communications to or from the site will be secure and not intercepted, that the services and other capabilities offered from the site will be uninterrupted, or that its content will be accurate, complete or timely. Any material downloaded is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.

Other than those warranties which, under the laws applicable to these terms, are implied by laws, and are incapable of exclusion, restriction or modification, UAE Exchange expressly disclaim all warranties and conditions, including implied warranties, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law.

Limitation of Liability

Subject to applicable law, use of this website and its content is at your sole risk. In no event will UAE Exchange be liable to any party for any direct, indirect, special or other consequential damage for any use of this website, any hyper linked web site, whether based in negligence, strict liability or otherwise, that arises out of or is in any way connected with (i) any use of, browsing or downloading of any part of our website or content, or (ii) any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, even if UAE Exchange has been advised of the possibility of such damages.

The user agrees to indemnify, defend and hold harmless UAE Exchange, its owners, employees, partner websites and their respective lawful successors and assigns from and against any and all losses, liabilities, claims, damages, costs and expenses (including reasonable legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by UAE Exchange and/or its affiliates, its owners, employees partner websites and their respective lawful successors and assigns that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any representation, warranty, covenant or agreement made or obligation to be performed by the user pursuant to this agreement.

If any dispute arises between you and UAE Exchange during your use of the website or thereafter, in connection with the validity, interpretation, implementation or alleged breach of any provision of the Terms of Use or the Privacy Policy, the dispute shall be referred to a sole arbitrator who shall be an independent and neutral third party identified and appointed by UAE Exchange. The place of arbitration shall be Dubai, UAE. The arbitration proceedings shall be in the English language. The Terms and Conditions shall be governed and construed in accordance with the laws of UAE.

Privacy and Security

The user hereby consents, expresses and agrees that he has read and fully understands the Privacy Policy of UAE Exchange contained in the UAE Exchange website www.smartpayuae.com and he hereby consents that the terms and contents of such Privacy Policy are acceptable to him.

Services and Content


UAE Exchange will use reasonable commercial efforts to keep website available on a 24-hour/7-day-a- week basis, subject to necessary scheduled downtime for maintenance, unscheduled maintenance, and system outages. UAE Exchange does not promise that access to the website will be uninterrupted or available at all times. UAE Exchange assumes no liability or responsibility for any delay, interruption or downtime.


Although UAE Exchange makes every effort to ensure that the description and content on each page of the Website is correct, it does not, however, take responsibility for changes that occur due to human, data entry errors or for any loss or damages suffered by any user due to any information contained herein.


UAE Exchange makes reasonable attempts to exclude viruses from the Website, but cannot ensure that the Website will be at all times free from viruses or other destructive software. The users are urged to take appropriate safeguards before downloading information from the Website. We assume no responsibility for any damages to computer equipment or other property that may result from use of the Website or downloading anything from the website.

Intellectual Property

Ownership Rights

This website is the sole and exclusive property of UAE Exchange. UAE Exchange retains all right, title and interest (including all copyright, trademark, patent, trade secrets, and all other intellectual property rights) in the website. The site is protected by copyright, trademark, patent, trade secrets, unfair competition, and other laws of worldwide, through the application of local laws or international treaties. Any unauthorized use, reproduction or modification of this website may violate such laws


UAE Exchange and all other marks that appear, are displayed, or used on the website are registered or common law trademarks or service marks of UAE Exchange. These marks may not be copied, downloaded, reproduced, used, modified, or distributed in any way without prior written permission from UAE Exchange.

Your Comments and Submissions

Any “communications or materials” you transmit to UAE Exchange, through the website, by electronic mail or otherwise, including any data, question, comments, suggestion, idea, or the like will be treated as non-confidential and non-proprietary. By voluntarily submitting to us, or by posting on the site any communications or materials, you grant UAE Exchange, and all users of the website, a worldwide, non-exclusive, royalty free, perpetual, irrevocable, and fully sub-licensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from distribute, and display such communications or materials in any form, media or technology. We assume no responsibility for any communications or materials posted or submitted, or for the return or such communications or materials.

Terms and Conditions

The website (www.smartpayuae.com) is owned by UAE Exchange Center LLC (“UAE Exchange”). This website is offered to you on the condition that you accept without modification the terms, conditions, disclaimers, Privacy Policy’s contained herein. Your use of the website constitutes your consent to all such disclaimers, Privacy Policy’s and other terms & conditions.

UAE Exchange has no obligation to monitor the services. However, UAE Exchange reserves the right to review materials posted and to remove any materials in its sole discretion. UAE Exchange reserves the right to terminate the users’ access to any or all of the services at any time without notice and for any reason whatsoever.

UAE Exchange reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in UAE Exchange’s sole discretion.

UAE Exchange also reserves the right, in its sole discretion, to terminate the access to any or all UAE Exchange websites and related services or any portion thereof at any time, without notice.

The user hereby consents, expresses and agrees that he has read and fully understands the Privacy Policy, disclaimer of UAE Exchange contained in the UAE Exchange websites and he hereby consents that the terms and contents of such Privacy Policy are acceptable to him.

Modifications of Terms of Use

UAE Exchange may with or without giving notice, has the right to change the terms, conditions and notices under which the UAE Exchange websites are offered, including but not limited to the charges associated with the use of the UAE Exchange website. We request you to regularly review these terms and conditions. UAE Exchange has endeavored to ensure that all the information on the website is correct, but UAE Exchange neither warrants nor makes any representations regarding the accuracy or completeness of any data or information contained. UAE Exchange disclaims any liability, responsibility or any other claim, whatsoever, with respect of any loss, whether direct or consequential, to any user or any other person, arising out of or from the use of the website or the information contained in UAE Exchange websites.

Contact Information

If you have any questions or concerns about these terms or if you need further assistance with respect to access to or use of the site or the services offered by UAE Exchange, you may contact our Customer Service department, the information of which is provided in the customer service section of the site.

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