Terms &
conditions.

These terms describe the intended use of the website presented under the Thumani brand, including its property information, financing resources, calculators, guides and enquiry features. References to “Thumani”, “we” or “our” refer to the website operator, whose registered legal identity and business details are awaiting confirmation in this review draft.

Registered legal company name

Registered address

Licence / registration number

Website information is separate from any signed property agreement, lender offer, brokerage engagement, partnership agreement or other service contract. Read the documents that apply to the particular service or transaction. If you need clarification about the operator or a service, contact Info@thumani.com before proceeding.

You may browse the website to research property and financing options, read resources and make enquiries. When providing information, ensure it is accurate to the best of your knowledge and that you are authorised to share it.

Do not use the website for unlawful activity, impersonation, misleading submissions, unsolicited bulk messages or attempts to interfere with its operation. Do not attempt unauthorised access to systems, introduce harmful code or bypass access controls. Where misuse occurs, access may be restricted as permitted by applicable law.

Property descriptions, area guides, images, specifications and availability information are starting points for research. Some images illustrate a setting or property type rather than a specific available unit. Confirm the actual property, price, size, specification, availability and sale or lease terms before making a commitment.

Information can change or require correction. Review ownership, permitted use, occupancy, condition, service charges, project documents and other relevant details with the appropriate professionals and authorities. Website information does not itself reserve a property, create a sale or lease agreement, or guarantee a valuation, rental return or future price.

Financing pages explain products and considerations for planning. A displayed rate, example, comparison or enquiry is not a binding lender offer, approval or promise of funding. Rates, fees, product availability and criteria may change and depend on the applicant, property and lender.

The lender determines application requirements, valuation, approval conditions and final terms within the applicable regulatory framework. Read the lender’s written offer, Key Facts Statement and contract. Pre-approval may include conditions and an expiry date; confirm the remaining checks before relying on it for a purchase commitment.

Calculators and planning tools produce estimates from the inputs and assumptions used. Actual payments, borrowing limits, ownership costs and outcomes can differ. Review the assumptions shown and confirm current figures with your lender or adviser. A result does not establish eligibility, investment suitability or approval.

Articles, service booklets and guided helpers provide general explanations. They do not replace a review of your circumstances, property, legal documents or financial commitments by an appropriately qualified professional. Any automated or AI-assisted feature should be treated as a planning aid; verify its output before making a decision.

A contact request, property brief, referral or partnership enquiry begins a conversation. It does not by itself create an engagement, reserve a rate or property, or guarantee a response, approval or completion date. Follow the sending instructions displayed by the feature you use. Where a page prepares an email draft, you must send that draft from your email application.

Provide a suitable contact method and enough context to explain your request. Do not share another person’s contact details or documents without their permission or another valid basis. Ask the team to confirm the appropriate channel before sending sensitive identity or financial documents.

The scope of any paid or professional service, responsible provider, fees, third-party charges, payment timing, cancellation and refund arrangements should be confirmed in a separate written agreement before you proceed. These website terms do not establish that all services are free or set a universal fee schedule.

Check the payee and payment instructions through a verified channel. A website enquiry is not authorisation to debit an account or incur a fee. Rights concerning cancellation, refunds, service quality and other matters remain subject to the applicable agreement and any mandatory protections under law.

Partnership and referral pages invite discussion rather than establish automatic participation. Confirm the roles, responsibilities, service boundaries and any commercial terms in writing.

No fixed Thumani referral reward amount or payment timing has been confirmed for this website draft. Any eligibility requirement, qualifying event, amount, exclusions and payment arrangement must be agreed in writing before relying on a reward. Simply sharing a name or submitting an enquiry does not establish an entitlement. Obtain permission before making an introduction.

Read the Privacy Policy for information about personal data in connection with the website and enquiries. The privacy notice should identify the responsible operator and describe the processing practices that actually apply.

These website terms are not blanket consent to marketing, data sharing or processing unrelated to an enquiry. Where a separate permission is required, it should be requested for the relevant purpose. Share only the information necessary for your request and use confirmed channels for sensitive documents.

Website text, designs, illustrations, photographs, logos and other materials may be owned by Thumani or used under rights held by other parties. Third-party names and marks belong to their respective owners. Their appearance does not by itself establish endorsement or a formal partnership.

You may read, save and print resources made available for that purpose for your personal research. Do not misrepresent their source or reproduce protected materials commercially without the rights holder’s permission, except where applicable law permits the use. If you believe a material infringes your rights, contact the team with the relevant details.

Links to authorities, lenders, maps, social platforms or other websites can provide further information. Those websites and services have their own content, availability, terms and privacy practices. A link is not a confirmation that every statement on the destination is correct or an endorsement of all its services.

Review the destination and its terms before sharing information or entering a transaction. Agreements with developers, lenders and other providers are governed by the documents and requirements that apply to those relationships.

Website access may be interrupted by maintenance, updates, technical problems or external services. Keep copies of important correspondence and transaction documents outside the website. If a feature does not work, use the published contact details to raise the issue.

Verify material information and transaction-specific terms before relying on them. These terms do not exclude or restrict liability where doing so would be unlawful, remove mandatory consumer rights, or excuse fraud, deliberate misconduct or other responsibilities that cannot lawfully be excluded. Responsibility for a specific service should be addressed in its written agreement and under applicable law.

Content and features may be updated as services and information change. A revised final version of these terms should identify its publication or effective date so you can understand which version applies.

Website updates do not automatically amend a separate signed agreement or remove an accrued right. Changes to a service contract must follow that contract’s requirements and applicable law. Keep a copy of the terms relevant to any engagement you enter into.

Contact Info@thumani.com or 00971542470541 with a description of your concern and relevant correspondence. Avoid sending unnecessary sensitive documents in an initial message. Ask for confirmation that your message has been received.

If your concern relates to a lender or another provider, use that provider’s complaints process and the appropriate authority or dispute-resolution channel where applicable. Contacting Thumani does not prevent you from exercising available statutory rights or using a competent authority. No fixed complaints-response timetable has been confirmed in this draft.

This draft does not select an exclusive court or arbitration forum. The operator’s jurisdiction and any governing-law wording must be confirmed before final publication. Any final clause must respect mandatory laws and the authority of the competent regulator or forum.

If a provision cannot lawfully apply, it should operate only to the extent permitted, without removing mandatory rights. The remainder of the terms should be considered in light of applicable law and the actual service arrangements. The preparation date shown is a draft date, not a statement that these terms have been approved or are already effective.