1. Regulatory Status

Money Protects Capital Limited ("MPCL") is regulated by the Dubai Financial Services Authority (DFSA) in the Dubai International Financial Centre (DIFC) and holds a Category 3C License (#7741). Its authorised financial services include Holding or Controlling Client Assets, Arranging Credit and Advising on Credit, Advising on Financial Products, Arranging Deals in Investments and Managing Assets. MPCL's authorisation applies to activities carried on in or from the DIFC.

Money Protects Financial Services L.L.C ("MPFS") is licensed in the United Arab Emirates (DED License #1314415) for financial promotions, advisory, introductions, loan restructuring and brokerage activities within the scope of its licence and applicable SCA requirements.

Money Protects India Private Limited ("MPI") is an advisory, technology and research company incorporated in India. It does not provide regulated financial services in India and the DFSA authorisation of MPCL does not extend to it.

Each entity operates only within its own licence and jurisdiction. No entity commences any activity requiring regulatory approval before that approval is obtained.

2. Professional Clients Only

MESP — Mortgage EMI Sleeping Period™, ERDR — Equity Release–Double Rental™ and FEFL — Fixed EMI for Life™ are DFSA-approved products offered by MPCL under its approved Regulatory Business Model for Professional Clients, as defined in the DFSA Conduct of Business Module. They are not available to Retail Clients. Whether you qualify as a Professional Client is determined during the application process, before any service is provided. Information on this website about these products is provided so that prospective Professional Clients can decide whether to enquire further; it is not a personal recommendation.

3. Information Only — No Offer, Solicitation or Advice

The content of this website, our brochures, Knowledge Centre articles, videos, voice and chat interactions and any documents you download (together, the "Content") is provided for general information. It does not constitute, and should not be construed as, an offer, invitation, solicitation or recommendation to buy, sell or enter into any financial product, credit arrangement, investment or service, nor as financial, investment, legal, tax or accounting advice.

No client relationship exists between you and any Money Protects entity until a written Client Agreement has been executed following completion of onboarding, client classification and suitability procedures. You should obtain independent professional advice before making any financial decision.

4. Product Risk Warnings

• Capital and property risk. Structured credit and property-linked arrangements involve risk. Property values and rental incomes can fall as well as rise; you may not recover the full amount of any investment or equity contributed.
• Interest-rate and refinancing risk. Where a structure fixes, defers or restructures payments, changes in market rates, bank policy or your circumstances may affect the overall cost or availability of the arrangement.
• Legal and contractual complexity. Our products may involve leasebacks, assignments, security interests, pooling or other legal arrangements. Their effect depends on the final documentation and applicable law, and you should take independent legal advice.
• Liquidity. Some arrangements have fixed terms and cannot be exited early without cost.
• Illustrations are not forecasts. Figures, examples, calculators and scenarios on this website are hypothetical or illustrative, based on stated assumptions, and are not guarantees of future outcomes. Past performance and case studies are not reliable indicators of future results.
• Tax. Tax treatment depends on your individual circumstances and may change.

5. Digital Tools and Artificial Intelligence

OptimizerAI, the Money Protects App and the MONIDR platform generate indicative outputs from the information you provide and from assumptions built into the tools. They are decision-support tools, not advisers. Outputs may be incomplete or inaccurate, do not take account of your full circumstances, and are not a suitability assessment, offer or term sheet. MONIDR's chat and voice agents are artificial intelligence, not licensed individuals; anything they say is subject to this Disclaimer and to review by our authorised personnel before any service is provided. Do not rely on AI outputs without verification.

6. Forward-Looking Statements

Statements about our plans, strategy, market opportunity, product pipeline, expansion into other jurisdictions or expected outcomes are forward-looking, are based on current expectations and assumptions, and are subject to risks and uncertainties. Actual results may differ materially. We undertake no obligation to update them.

7. Jurisdictional Restrictions

This website is operated from the DIFC and is not directed at any person in a jurisdiction where its publication or availability would be contrary to local law or regulation, or where any Money Protects entity is not licensed to offer the relevant service. Persons accessing it from outside the UAE are responsible for compliance with their local laws. Nothing on this website constitutes an offer to any person in the United States, the European Economic Area, the United Kingdom, India or any other jurisdiction where such an offer would be unlawful.

8. Accuracy, Third-Party Content and Links

We take reasonable care to keep the Content accurate and up to date but make no representation or warranty, express or implied, as to its completeness, accuracy, timeliness or fitness for any purpose, and we may change it without notice. Third-party information, market data, and links to external websites are provided for convenience only; we do not control, endorse or accept responsibility for them. Access to third-party sites is at your own risk and subject to their own terms and privacy policies.

9. Limitation of Liability

To the fullest extent permitted by law, no Money Protects entity, nor any of its directors, officers, employees or agents, accepts liability for any direct, indirect, consequential or other loss or damage arising from reliance on the Content or from use of, or inability to use, this website or our digital tools. Nothing in this Disclaimer excludes or limits any liability which cannot be excluded under DFSA Rules or applicable law, including liability for fraud, or any duty we owe to you under a Client Agreement.

10. Complaints

If you are dissatisfied with any aspect of our service, please contact [email protected]. MPCL maintains a complaints-handling procedure in accordance with DFSA Rules and will acknowledge and investigate your complaint promptly. If you remain dissatisfied you may refer the matter to the Dubai Financial Services Authority.

11. Relationship to Other Policies and Changes

This Disclaimer forms part of our Terms and Conditions and should be read with our Privacy Policy, Cookie Policy and Trade Marks & Intellectual Property Rights Policy. Product-specific terms, key features and risk disclosures are provided during the application process and prevail over this website. We may update this Disclaimer at any time; the current version is the one published here.

12. Contact

Money Protects Capital Limited
Office P5-10, Damac Park Towers, Tower A, DIFC, Dubai, United Arab Emirates
Email: [email protected]  |  Customer care: [email protected]