Terms & Conditions

Fidora helps you negotiate better rent and explore monthly repayments, with support throughout your rental payment journey. These Terms explain how you may use our website, platform and support services.

1. About Fidora

Fidora is operated by Prop Flow Technologies Limited, a company incorporated in the Dubai International Financial Centre, United Arab Emirates.

Registered number: [company registration number]

Registered office: [registered office address]

Contact: [customer support email]

In these Terms, "Fidora", "we", "us" and "our" mean Prop Flow Technologies Limited. "You" means the person using our services or the organisation they are authorised to represent.

2. What these Terms cover

These Terms govern your use of Fidora's website, account features, application-support services and customer support.

Please read them before creating an account or submitting an application. We will ask you to accept them when you register or apply.

Your tenancy agreement and any financing or payment agreement are separate contracts. These Terms do not replace or change those agreements. Where a matter concerns financing, repayments or your tenancy, the relevant agreement governs that matter, subject to applicable law.

Our Privacy Policy explains how we use personal information. Accepting these Terms does not amount to consent to optional marketing or every use of your personal information.

3. Our service

Fidora supports your rental journey by helping you explore payment options, submit the necessary information, understand the next steps and coordinate your application.

Our proposition may allow you to offer your landlord a single-cheque or other agreed payment arrangement while you repay monthly.

Financing is provided under a separate agreement with a regulated financial institution. That institution makes the credit decision and confirms the financing terms. Fidora does not lend, hold customer funds or have authority to approve financing or bind the institution.

We do not act as your landlord or become a party to your tenancy agreement through your use of the platform.

4. Eligibility and availability

You must have legal capacity to enter into the relevant agreements. If you act for a landlord, property manager or organisation, you must have authority to do so.

Availability depends on the property, location, tenancy, application information and applicable eligibility requirements. Not all applicants, properties or rental arrangements qualify.

An enquiry, calculator result, application submission or preliminary eligibility indication is not final approval or a commitment to release funds.

5. Information and account security

Provide accurate, complete and current information. Tell us promptly if a material detail changes, including your income, employment, contact information, property or agreed rent.

Only upload documents you are entitled to share. If you provide another person's information, ensure that you have an appropriate basis to do so and direct them to our Privacy Policy.

Keep your sign-in details confidential. Do not share passwords or one-time passcodes with anyone claiming to represent Fidora. Contact us promptly if you suspect unauthorised access.

You remain responsible for your own misuse of the service; this does not remove our responsibilities for the security of our systems.

6. Applications and verification

An application may require identity, income, employment, bank and tenancy information, together with relevant verification checks.

We will explain the required steps and request any authorisations needed for checks or information sharing. Additional documents may be necessary before an application can progress.

Do not treat a preliminary indication as a guarantee when making a non-refundable payment or committing to a lease. Confirm the final approval, payment arrangement and release conditions first.

7. Estimates, pricing and potential savings

Calculators and examples are illustrative unless expressly identified as a final offer. Your actual repayment schedule and total cost will be set out in the documents provided before you commit.

Review the financed amount, repayment dates, financing charges, any Fidora service fee, applicable taxes and other mandatory costs. Any Fidora fee will be disclosed separately, together with when it becomes payable and its cancellation or refund treatment.

A lower negotiated rent does not automatically mean a lower overall cost. Compare the agreed rent plus all financing and service charges with your alternative rental offer.

Fidora does not guarantee a rent reduction, approval, a particular rate or a particular financial saving.

8. Agreements, rent payment and repayments

Before proceeding, review and accept the applicable agreements, disclosures and payment instructions.

Funds are released only after the required approvals, documents and checks are complete. The recipient, payment method and timing follow the approved arrangement.

Repayment amounts, due dates and payment methods are set out in your financing agreement. Contact us promptly if you need help understanding them or foresee difficulty making a payment.

Do not pay rent or financing instalments into a Fidora account. Use only the payment instructions provided through the verified, approved process.

9. Your tenancy and landlord arrangements

You and your landlord remain responsible for agreeing the rent, lease conditions and any required changes to payment arrangements.

Maintenance, deposits, occupancy, termination and other tenancy matters remain governed by the tenancy agreement and applicable law.

Do not cancel existing cheques, payment mandates or rental commitments until the replacement arrangement has been confirmed in writing by the relevant parties.

Ending a tenancy does not automatically cancel financing or remove an outstanding repayment obligation.

10. Withdrawal, cancellation and refunds

You may ask us to stop an application before you accept the relevant agreements. We will confirm its status and whether any previously disclosed charges have become payable.

After an agreement has been accepted, cancellation, any applicable cooling-off rights, early settlement and refunds are governed by that agreement and applicable law.

If rent has already been paid, any landlord refund and any financing settlement must be coordinated separately. A refund from the landlord does not automatically close the financing arrangement.

Nothing in these Terms limits a cancellation or refund right that cannot lawfully be excluded.

11. Acceptable use and intellectual property

You must not use Fidora to submit fraudulent documents, impersonate another person, access information without permission, disrupt the service, introduce malicious software or carry out unlawful activity.

Fidora's branding, software and original content belong to us or our licensors. You may use the website and its content for your personal rental enquiries or authorised business use. You may not resell, reproduce commercially or misrepresent our content without permission.

You retain ownership of documents you submit. You allow us to use them only as necessary to provide the requested service and as explained in our Privacy Policy.

12. Availability, changes and suspension

We take reasonable care in providing the platform, but access may occasionally be interrupted by maintenance, technical issues or circumstances outside our control.

We may restrict access where reasonably necessary to protect users, investigate suspected misuse or comply with law. Where lawful and practicable, we will explain the reason and available next steps.

Suspending or closing a Fidora account does not cancel a separate tenancy or financing agreement.

13. Our responsibility

We are responsible for providing our own services with reasonable care and skill.

We do not guarantee decisions made by landlords or financial institutions, the condition of a property, or uninterrupted access to third-party systems. However, those limitations do not exclude responsibility for our own breach of duty.

Nothing in these Terms excludes liability for fraud, fraudulent misrepresentation or any liability or consumer right that cannot lawfully be excluded.

14. Questions and complaints

Contact support@fidora.ae with your name, application reference and a short description of the issue. Do not include passwords, one-time passcodes or full payment-card details.

We will review complaints about Fidora's services and explain the next steps. If your complaint concerns a financing decision, charge or repayment, we will help you identify the appropriate complaints route. You may also contact the financial institution directly.

Privacy concerns can be raised through the channels on our Data Protection page. Nothing here prevents you from approaching a competent regulator, dispute-resolution body or court.

15. Updates and governing law

We may update these Terms to reflect changes in our services or legal requirements. We will publish the revised version and date, give appropriate notice of material changes, and obtain renewed acceptance where required.

Changes to these website Terms do not retrospectively amend your agreed financing or tenancy terms.

These Terms are governed by the laws of the DIFC, subject to mandatory laws and consumer protections that apply. Disputes relating to these Terms fall within the jurisdiction of the DIFC Courts, without restricting any non-excludable right to use another competent forum.

If a provision is unenforceable, the remaining provisions continue to apply.