Terms of Service

Calculator Accuracy Disclaimer

All calculators and tools provided on this website are for informational and educational purposes only. Results should not be considered professional financial, legal, or tax advice. We make no guarantees about the accuracy, completeness, or reliability of calculator results.

Calculator outputs are estimates based on publicly available data, standard formulas, and assumptions that may not apply to your situation. Fees, rates, and regulations change. Always verify figures with official sources (e.g., DLD, KHDA, banks, schools) and consult licensed professionals before making financial decisions.

Limitation of Liability

To the fullest extent permitted by applicable law, Yalla Calculators, its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of (or inability to use) our calculators, tools, or website content.

We are not liable for any financial losses, missed opportunities, incorrect estimates, or adverse outcomes resulting from reliance on calculator results. You assume full responsibility for verifying all information and obtaining professional advice before taking any financial, legal, or tax action. Our liability is limited to the maximum extent permitted by law.

User Responsibilities and Acceptable Use

You are responsible for how you use our Service. You agree to use our calculators and website only for lawful, personal, non-commercial purposes and in accordance with these Terms.

You may:

• Use our calculators for personal financial planning and estimates
• Compare costs (property, schools, mortgages, living expenses) for your own reference
• Share links to our website with others
• Contact us with questions via our contact form or email

You may not:

• Rely on calculator results as professional advice without independent verification
• Copy, scrape, or redistribute our content or algorithms without permission
• Use the Service for commercial resale or automated bulk access
• Reverse engineer, decompile, or attempt to extract our source code or data
• Use the Service for any illegal purpose or in violation of any laws
• Interfere with or disrupt the Service, servers, or other users
• Misrepresent your identity or affiliation

Violation of these terms may result in termination of your access to the Service. We reserve the right to enforce these terms and to modify or discontinue the Service at any time.

Introduction and Overview

Welcome to Yalla Calculators ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website located at yallacalculators.online (the "Service"), including all features, content, tools, and calculators provided through the Service.

Yalla Calculators is a UAE-focused financial planning platform that provides free calculators for property costs, education expenses, mortgage affordability, transportation costs, and monthly living expenses. Our calculators are designed specifically for residents of the United Arab Emirates and use data relevant to Dubai, Abu Dhabi, Sharjah, and other Emirates.

By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Service.

Acceptance of Terms

By accessing and using Yalla Calculators, you accept and agree to be bound by the terms and provisions of this agreement. These Terms apply to all visitors, users, and others who access or use the Service, whether through a web browser, mobile device, or any other means.

You represent and warrant that you are at least 18 years of age, or if you are under 18, that you have obtained parental or guardian consent to use the Service. If you are using the Service on behalf of a company, organization, or other entity, you represent and warrant that you have the authority to bind such entity to these Terms.

We reserve the right to update, modify, or replace these Terms at any time. We will notify users of material changes by posting the updated Terms on our website with a new "last updated" date. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

Use License and Permitted Uses

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes.

Permitted Uses: You may use our calculators and tools to:

• Estimate property purchase costs, fees, and expenses in the UAE
• Compare renting versus buying property in Dubai and other Emirates
• Calculate mortgage affordability based on UAE banking regulations
• Research and compare school fees for Dubai private schools
• Plan monthly living expenses for UAE residents
• Compare transportation costs including car ownership versus taxi services
• Make personal financial planning decisions

Prohibited Uses: You may NOT:

• Copy, reproduce, or redistribute our content, calculators, or algorithms without written permission
• Use the Service for any commercial purpose, including reselling access or data
• Attempt to reverse engineer, decompile, or extract the source code of our calculators
• Remove any copyright, trademark, or other proprietary notices from our materials
• Use automated systems (bots, scrapers, crawlers) to access the Service without permission
• Interfere with or disrupt the Service or servers connected to the Service
• Use the Service for any illegal purpose or in violation of any laws
• Misrepresent your identity or affiliation with any person or entity

Calculator Data and Accuracy

Our calculators use data from various sources to provide estimates relevant to the UAE market. We strive to keep this data current and accurate, but you should be aware of the following:

Property Calculators

Our property-related calculators use fee structures based on publicly available information from the Dubai Land Department (DLD), Real Estate Regulatory Agency (RERA), and major UAE banks. Default values include a 4% DLD transfer fee, 2% agent commission, mortgage registration fees, and other standard closing costs. These values may change based on government policies, bank rates, or market conditions.

School Fee Data

Our school database includes information on 200+ Dubai private schools with fees approved by the Knowledge and Human Development Authority (KHDA). School fees shown are based on publicly available KHDA data and individual school fee schedules. Actual fees may vary based on grade level, additional services, or annual adjustments. Always confirm current fees directly with the school.

Interest Rates and Mortgage Data

Mortgage interest rates and loan terms are based on average rates from major UAE banks and are updated periodically. Actual rates you receive will depend on your personal circumstances, credit history, employment status, and the specific bank or lender you work with. The UAE Central Bank Debt Burden Ratio (DBR) of 50% is used as a standard calculation parameter, but individual banks may apply different criteria.

Living Cost Estimates

Monthly expense estimates are based on surveys, market research, and publicly available cost-of-living data for Dubai, Abu Dhabi, and Sharjah. These are approximations and your actual costs will depend on your lifestyle, location, family size, and personal choices.

Intellectual Property Rights

The Service and its original content, features, functionality, design, and all related intellectual property are and will remain the exclusive property of Yalla Calculators. This includes, but is not limited to:

• Calculator algorithms and formulas
• Website design, layout, and user interface
• Written content, articles, and guides
• Graphics, logos, and visual elements
• Software code and technical implementations
• Compiled data and databases

The Service is protected by copyright, trademark, and other intellectual property laws of the United Arab Emirates and international conventions. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You may share links to our calculators and pages, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You may not frame our website, imply any association or endorsement without our explicit permission, or present our content as your own.

User Content and Communications

If you submit any content, feedback, suggestions, or communications to us (such as through our contact form, email, or other channels), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, and distribute such content worldwide in any media.

You represent and warrant that you own or have the necessary rights to the content you submit, and that your content does not infringe upon the rights of any third party. We are under no obligation to use, display, or acknowledge any content you submit.

Third-Party Links and Services

Our Service may contain links to third-party websites, services, or resources that are not owned or controlled by Yalla Calculators. These may include links to banks, real estate agencies, schools, government websites, and other external resources.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL YALLA CALCULATORS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption
• Property damage
• Personal injury
• Any other pecuniary or non-pecuniary loss

ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

Indemnification

You agree to defend, indemnify, and hold harmless Yalla Calculators and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Service
• Your violation of any term of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your content caused damage to a third party
• Any financial decisions you make based on our calculator results

This defense and indemnification obligation will survive these Terms and your use of the Service.

Service Availability and Modifications

We strive to provide reliable access to our Service, but we do not guarantee that the Service will be available at all times or without interruption. The Service may be temporarily unavailable due to maintenance, updates, technical issues, or circumstances beyond our control.

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time without notice
• Add or remove features, calculators, or content
• Change the presentation, layout, or functionality of the Service
• Impose limits on certain features or restrict access to parts of the Service

We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict of law provisions. The courts of Dubai, United Arab Emirates, shall have exclusive jurisdiction over any disputes arising from or relating to these Terms or your use of the Service.

You agree to submit to the personal jurisdiction of the courts located in Dubai, UAE, for the purpose of litigating any such disputes.

Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by ourPrivacy Policy, which is incorporated into these Terms by reference.

By using the Service, you consent to the collection and use of your information as described in our Privacy Policy. Please review our Privacy Policy carefully to understand how we handle your data.

Severability and Entire Agreement

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity of any provision shall not affect the validity of the remaining provisions.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Yalla Calculators regarding your use of the Service and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the subject matter.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Yalla Calculators. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies.