Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and GHEDC ("Company," "we," "our," or "us"), a Dubai-based real estate investment consultancy established in 1999 and registered with the Dubai Real Estate Regulatory Agency (RERA License No. 33554).

By accessing our website at ghedc.com, submitting inquiries, engaging our services, or participating in any property transactions facilitated by GHEDC, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

These Terms apply to all clients, visitors, and others who access or use our services. If you are entering into these Terms on behalf of a company, family office, or other legal entity, you represent that you have the authority to bind such entity to these Terms.

Important: If you do not agree to these Terms, you must not access our website or use our services. Your continued use constitutes ongoing acceptance of these Terms and any updates thereto.

For the purposes of these Terms, the following definitions apply:

• "Services" means all real estate advisory, brokerage, consultation, market analysis, property sourcing, transaction facilitation, and related services provided by GHEDC.
• "Property" means any residential, commercial, hospitality, or mixed-use real estate asset marketed, presented, or transacted through GHEDC.
• "Transaction" means any purchase, sale, lease, or transfer of real estate facilitated by GHEDC.
• "Content" means all information, text, images, videos, market data, property listings, research reports, and other materials available on our website or provided through our services.
• "Ultra-High-Net-Worth Individual (UHNWI)" means individuals with investable assets exceeding USD 30 million.
• "AED" means United Arab Emirates Dirhams, the official currency of the UAE.

GHEDC provides comprehensive real estate investment services exclusively in Dubai and the United Arab Emirates. Our core service offerings include:

To engage our services and participate in property transactions, you must:

• Age: Be at least 21 years of age (the legal age for property ownership in the UAE)
• Legal Capacity: Have the legal capacity to enter into binding contracts and real estate transactions
• Identity Verification: Provide valid government-issued identification (passport, Emirates ID) for Know Your Customer (KYC) compliance
• Source of Funds: Be prepared to demonstrate legitimate source of funds in compliance with UAE Anti-Money Laundering (AML) regulations
• Sanctions Compliance: Not be subject to sanctions imposed by the UAE, United Nations, United States, European Union, or other relevant jurisdictions
• Accurate Information: Provide truthful, accurate, and complete information in all dealings with GHEDC

GHEDC reserves the right to decline services to any individual or entity that fails to meet these requirements or where we have concerns about the legitimacy of proposed transactions.

While GHEDC endeavors to ensure all property information presented is accurate and current, you acknowledge and agree that:

• Accuracy: Property details, specifications, floor plans, images, and prices are provided for informational purposes and may contain errors or omissions. All information should be independently verified.
• Availability: Properties are subject to prior sale, withdrawal from market, or price changes without notice.
• Visual Representations: Photographs, renderings, and virtual tours may be artist's impressions or enhanced representations. Off-plan properties may differ from final delivery.
• Measurements: All area measurements are approximate and may vary from title deed specifications.
• Third-Party Information: Information obtained from developers, sellers, or other third parties is provided in good faith but not independently verified by GHEDC.
• Regulatory Compliance: It is your responsibility to verify that any property transaction complies with applicable laws in your country of residence.

Important Risk Disclosure: Real estate investment involves significant risks. The value of investments can decrease as well as increase, and you may not recover the full amount invested.

You acknowledge and understand that:

• Market Risk: Property values are subject to market fluctuations influenced by economic conditions, interest rates, geopolitical events, and local supply and demand dynamics.
• Liquidity Risk: Real estate is an illiquid asset class. Selling a property may take considerable time and may require price concessions.
• Currency Risk: For international investors, exchange rate fluctuations between AED and your home currency may affect returns.
• Development Risk: Off-plan purchases carry risks including construction delays, developer insolvency, specification changes, and project cancellation.
• Rental Risk: Rental income is not guaranteed. Vacancy periods, tenant defaults, and market rent fluctuations may affect yields.
• Regulatory Risk: Changes in laws, regulations, visa policies, or taxation may impact property ownership, returns, or exit strategies.
• No Guarantees: Past performance is not indicative of future results. GHEDC makes no guarantees regarding investment returns, capital appreciation, or rental yields.

We strongly recommend consulting with qualified financial, legal, and tax advisors before making any investment decisions. GHEDC does not provide financial advice and is not liable for investment outcomes.

GHEDC's fee structure is transparent and will be clearly communicated before any engagement:

• Buyer Services: For most transactions, GHEDC's commission is paid by the seller or developer. Where buyer fees apply, these will be disclosed in advance.
• Seller Services: Commission rates for property sales are agreed upon in a written listing agreement prior to marketing.
• Advisory Services: Specialized advisory mandates may be subject to separate fee arrangements, detailed in a formal engagement letter.
• Third-Party Costs: Transaction costs (Dubai Land Department fees, trustee fees, mortgage registration, etc.) are the responsibility of the buyer/seller as applicable and are separate from GHEDC's fees.

All fees are exclusive of applicable VAT (currently 5% in the UAE) unless otherwise stated.

When using our services and website, you agree to:

• Provide accurate, current, and complete information in all interactions
• Promptly notify us of any changes to your contact or personal information
• Maintain the confidentiality of any account credentials or access provided to you
• Comply with all applicable laws, regulations, and these Terms
• Treat GHEDC staff, partners, and other clients with respect and professionalism

You agree NOT to:

• Provide false, misleading, or fraudulent information
• Use our services for money laundering, terrorist financing, or other illegal purposes
• Circumvent GHEDC to transact directly with sellers, developers, or other parties introduced through our services
• Copy, reproduce, or distribute our Content without written authorization
• Attempt to gain unauthorized access to our systems or databases
• Use automated tools to scrape or harvest data from our website
• Engage in any activity that interferes with our operations or harms our reputation
• Misrepresent your relationship with GHEDC to third parties

All Content on the GHEDC website and in our marketing materials, including but not limited to text, graphics, logos, images, videos, market reports, research analysis, property descriptions, and software, is the exclusive property of GHEDC or its licensors and is protected by UAE and international intellectual property laws.

• The GHEDC name, logo, and brand identity are registered trademarks. Unauthorized use is prohibited.
• Market reports and research publications are proprietary. Distribution requires written consent.
• Property images and descriptions may be subject to third-party rights and are licensed for specific purposes.
• You may not reproduce, modify, distribute, or create derivative works from our Content without express written permission.

Limited personal, non-commercial use of Content for property research is permitted, provided all copyright notices are retained.

To the maximum extent permitted by applicable law:

• GHEDC provides its services and website on an "as is" and "as available" basis without warranties of any kind, express or implied.
• We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
• GHEDC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
• Our total liability for any claims arising from these Terms or your use of our services shall not exceed the fees actually paid by you to GHEDC in the twelve (12) months preceding the claim.
• We are not liable for any losses resulting from investment decisions made based on information provided through our services.
• We are not liable for the actions, omissions, or defaults of developers, sellers, legal professionals, banks, or other third parties involved in property transactions.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such cases, our liability will be limited to the greatest extent permitted by law.

You agree to indemnify, defend, and hold harmless GHEDC, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your breach of these Terms
• Your violation of any applicable law, regulation, or third-party rights
• Your provision of false, inaccurate, or misleading information
• Any fraudulent or illegal activity conducted through your use of our services
• Any dispute between you and a third party arising from a transaction facilitated by GHEDC

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates and the Emirate of Dubai, without regard to conflict of law principles.

• Negotiation: In the event of any dispute, the parties agree to first attempt resolution through good-faith negotiation.
• Mediation: If negotiation is unsuccessful, the parties may seek mediation through the Dubai International Arbitration Centre (DIAC) or mutually agreed mediator.
• Jurisdiction: Any legal proceedings shall be brought exclusively before the courts of Dubai, UAE, and you consent to the exclusive jurisdiction of such courts.
• DIFC Courts: For disputes involving parties operating within the Dubai International Financial Centre, the DIFC Courts may have exclusive jurisdiction as applicable.

GHEDC reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a revised "Last Updated" date and, where appropriate, by email to registered clients.

Your continued use of our services after any modifications constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of our services.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the remaining provisions, which shall continue in full force and effect.

These Terms, together with our Privacy Policy and any specific engagement letters or service agreements, constitute the entire agreement between you and GHEDC regarding your use of our services and supersede all prior agreements, representations, and understandings.

For questions regarding these Terms of Service, please contact: