Terms of Use

Last updated: 1 August 2026. These terms of use govern your access to and use of uaedebtcollection.com and the enquiry, chat and case-submission features on it. By using this website you accept these terms. If you do not accept them, please stop using the site.

Who These Terms Are With

This website is operated by UAE Debt Collection (UDC), a debt recovery and legal services provider operating in the United Arab Emirates. References to “we”, “us” and “our” mean UDC. References to “you” mean the person or entity accessing the site.

These terms of use should be read together with our Privacy Policy, our Cookie Policy and our Disclaimer, all of which form part of these terms. Where you have signed a separate written service agreement or engagement letter with us, that agreement prevails over these terms for the work it covers.

Permitted Use of This Website

You may use this website to learn about our services, to read our guides and to contact us about a debt. You may print or save pages for your own reference.

You may not use the site in any way that is unlawful, fraudulent or harmful, and in particular you may not: attempt to gain unauthorised access to any part of the site, its servers or connected systems; introduce malicious code; scrape, harvest or systematically extract content or contact details; reproduce, republish or resell our content commercially without our written consent; use our content to train commercial artificial intelligence models; misrepresent your identity; or use the site to send unsolicited communications.

Enquiries Are Not an Engagement

Submitting an enquiry form, uploading a case document, using the live chat or emailing us does not create a contract for services and does not create an advocate–client or consultant–client relationship. We may decline any enquiry, and we are not obliged to give reasons.

A relationship begins only when we have completed onboarding and conflict checks, agreed the scope of work in writing and both parties have signed an engagement letter or service agreement.

Anything described on this website as an estimate, indicative fee, recovery rate or timeline is illustrative and is not an offer capable of acceptance.

Information and Documents You Send Us

When you send us information about a debt you confirm that, to the best of your knowledge, it is accurate and complete, that the debt is genuine and lawfully due, and that you are entitled to disclose the documents and the personal data they contain to us for the purpose of pursuing recovery.

Where those documents contain personal data about a debtor, a guarantor or any other individual, you confirm that you have a lawful basis for sharing it with us and that you have met your own notification obligations under applicable data protection law.

You agree to tell us promptly if a debt is paid, disputed, settled, assigned, statute-barred or affected by an insolvency, restructuring or bankruptcy process, and to give us any further document we reasonably need. We are entitled to rely on what you tell us. If information you provide is materially inaccurate or incomplete, we may suspend or end our work and you remain responsible for costs already incurred.

Please do not upload material you are not entitled to share, and do not send sensitive personal data unless we have asked for it.

How Our Services Work

Depending on the matter, our work may include verification of the claim, amicable demand and negotiation, settlement drafting, preparation of court filings, instruction of licensed UAE advocates, enforcement and execution follow-up, and coordination with correspondent partners abroad. Court representation and any other activity reserved to the legal profession is undertaken by advocates licensed by the UAE Ministry of Justice, or by licensed legal consultants, engaged for the matter.

We will act with reasonable skill and care and in accordance with applicable UAE law and professional obligations. We do not guarantee any outcome. Please read our Disclaimer for the full position on results, timelines and reliance.

Fees, Commission and Disbursements

Our fees are agreed in writing before work begins. Where a commission or contingency-style arrangement applies — including terms described as “No Recovery, No Fee” — the trigger for the fee, the percentage, the point at which recovery is treated as achieved, and the treatment of part payments, payments made directly to you and payments in kind are all defined in the service agreement.

Court fees, execution and attachment fees, expert and valuer fees, translation, notarisation, attestation, publication, travel, bailiff and process-service costs and other third-party disbursements are separate from our fees, are generally payable whether or not recovery succeeds, and may be required in advance. Advocates’ professional fees are charged in accordance with UAE law and the applicable fee agreement and are not necessarily contingent on the outcome.

Value added tax is added where it applies.

Compliance Checks

Before we can act we are required to identify and verify our clients and to understand the source and nature of a claim, in line with UAE anti-money-laundering and counter-terrorist-financing obligations. We may ask for trade licences, identity documents, authorised-signatory evidence and information about the underlying transaction, and we may decline or discontinue an instruction where those checks cannot be satisfied.

Lawful Collection Conduct

We pursue debts only through lawful means: written demand, negotiation, mediation, court proceedings and enforcement. We do not threaten, harass, intimidate, publicly shame or make unlawful disclosures about a debtor, and we do not instruct or permit anyone to do so on our behalf. Conduct of that kind may breach the UAE Penal Code and the UAE cybercrime legislation.

If you ask us to act in a way we consider unlawful or improper, we will refuse and may end our engagement.

Confidentiality

We keep the existence and details of your matter confidential, except where disclosure is necessary to progress the file, is required by a court, regulator or law, or is authorised by you. Where a matter is handled by an engaged advocate, professional confidentiality obligations apply in addition.

Intellectual Property

Unless stated otherwise, the copyright and other intellectual property rights in the text, structure, graphics and compilation of this website belong to UAE Debt Collection or are used under licence. Nothing on this site transfers any right to you beyond the limited permission to read and reference it. Third-party names, logos and trade marks remain the property of their owners and are used for identification only.

Availability, Changes and Links

We aim to keep the site available but we do not guarantee uninterrupted access, and we may suspend, withdraw or change any part of it, or any content on it, without notice. We may also amend these terms; the version published on this page applies from the date shown.

Links to third-party sites are provided for convenience and are not an endorsement; we are not responsible for third-party content, availability or privacy practices.

Limitation of Liability

To the fullest extent permitted by the law in force, we exclude liability for indirect, special, incidental or consequential loss, loss of profit, loss of business, loss of opportunity, loss of goodwill and loss or corruption of data arising from your use of, or inability to use, this website or from reliance on anything published on it.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence. Liability arising from services we actually perform is governed by the written service agreement for that matter.

Indemnity

You agree to indemnify us against claims, losses, fines and reasonable costs arising from your breach of these terms, from your use of this website in a way these terms do not permit, or from information or documents you supply that turn out to be inaccurate, unlawfully obtained or shared with us without a lawful basis.

Data Protection

Personal data submitted through this website is handled as described in our Privacy Policy, which reflects the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021). The Privacy Policy also explains how we handle personal data about debtors and other third parties contained in the documents you send us.

Governing Law and Jurisdiction

These terms of use, and any dispute or claim arising out of or in connection with them or with your use of this website, are governed by the federal law of the United Arab Emirates and by the law of the emirate in which UAE Debt Collection is licensed, to the extent that it applies.

The competent courts of the United Arab Emirates have exclusive jurisdiction, unless a written agreement between us provides for a different forum or for arbitration, in which case that provision applies to matters within its scope.

Severability and Entire Terms

If any provision of these terms is held to be invalid or unenforceable, the remaining provisions continue in force. These terms, together with the Privacy Policy, Cookie Policy and Disclaimer, are the whole of the terms on which we make this website available to you.

Contact

Questions about these terms of use, or about a specific debt, should be sent through our contact page. For a case-specific view, ask us for a written case assessment rather than relying on the general guidance published on this site.

Need help with this? Talk to our UAE recovery team for a free, no-obligation assessment, or submit your claim online.