By accessing and using Numu's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
Numu provides financial technology services to UAE-based businesses, including:
Numu is licensed by the Dubai International Financial Centre (DIFC) Authority and operates under applicable UAE financial regulations.
To use Numu's services, you must:
Credit Approval: All financing is subject to credit approval and invoice verification. Numu reserves the right to decline any application without providing reasons.
Fees and Interest: Financing fees and interest rates will be clearly disclosed before you accept funding. Rates vary based on creditworthiness, invoice quality, and market conditions.
Credit Checks: By applying, you authorize Numu to conduct credit checks with the Al Etihad Credit Bureau (AECB) and other credit reporting agencies.
Repayment: You agree to repay financed amounts according to the agreed schedule. Late payments may incur additional fees and affect your credit rating.
Data Access: By connecting your ERP system, you grant Numu permission to access specified business data for the purposes of providing insights and processing financing applications.
Data Security: Numu processes your data using bank-level security standards in UAE-compliant infrastructure. We do not sell or share your business data with third parties without your consent.
Data Retention: We retain your data in accordance with UAE data protection laws and DIFC regulations.
Informational Purposes Only: AI-generated recommendations from Numu AI are provided for informational purposes only and do not constitute professional financial, legal, or tax advice.
Your Responsibility: You are solely responsible for all business decisions made based on AI recommendations. We strongly recommend consulting with qualified professionals before making significant financial decisions.
No Guarantees: While we strive for accuracy, Numu AI recommendations may contain errors or be based on incomplete information. We make no guarantees regarding outcomes.
You agree to:
The Numu platform, including all content, features, and functionality, is owned by Numu and protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
To the fullest extent permitted by UAE law, Numu shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities, arising from your use of our services.
Numu is not a bank. We provide technology-enabled financing services but do not accept deposits or provide banking services.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause, including for violation of these terms. Upon termination, all outstanding obligations remain due and payable.
We may update these Terms of Service from time to time. We will notify you of material changes via email or through the platform. Your continued use of our services after changes take effect constitutes acceptance of the revised terms.
These terms are governed by the laws of the Dubai International Financial Centre (DIFC) and the United Arab Emirates. Any disputes shall be resolved through the DIFC Courts.
If you have a complaint, please contact us at hello@numufinance.com. We maintain a formal complaint handling process in accordance with DIFC requirements.
Numu Financial Technology LLC
Dubai International Financial Centre
United Arab Emirates
Email: hello@numufinance.com
DIFC License: [License Number]
Important Notice: Financing subject to credit approval and invoice verification. Fees apply. AECB credit check required. Numu is licensed by DIFC Authority. AI-generated recommendations for informational purposes only. Not a substitute for professional financial or legal advice. User responsible for all business decisions.