Last updated: 29 August 2026
1. General information only
Dirham Diaries (thedirhamdiaries.com) is a personal blog documenting one individual’s experience of living and managing money in the United Arab Emirates. All content is published for general informational and educational purposes only. It does not constitute, and must not be relied upon as, professional advice of any kind.
2. No professional relationship
I am not a licensed or regulated financial advisor, investment advisor, tax advisor, mortgage broker, insurance broker, lawyer, or immigration consultant. I hold no authorisation from the UAE Securities and Commodities Authority, the Central Bank of the UAE, the Dubai Financial Services Authority, or any equivalent body in any jurisdiction. Reading this site, subscribing to it, or corresponding with me does not create an advisory, fiduciary, or professional relationship of any kind.
3. Not a recommendation or solicitation
Nothing published here is an offer, solicitation, endorsement, or recommendation to buy, sell, or hold any financial product, security, property, insurance policy, or banking service, or to engage any particular institution or service provider. Any product, bank, developer, or service named is mentioned because I have personally encountered it, not because it is recommended to you.
4. Your circumstances are different
Financial decisions depend on individual circumstances — residency and visa status, income, family obligations, risk tolerance, tax position in your home country, and long-term plans. What was appropriate for me may be entirely unsuitable for you. You should obtain independent advice from a qualified professional who understands your full situation before acting on anything you read here.
5. Accuracy and currency of information
I make reasonable efforts to ensure content is accurate at the time of publication. However, regulations, bank policies, fee structures, mortgage terms, government procedures, and market conditions in the UAE change frequently and sometimes without notice. Content is not routinely reviewed or updated. Any figures, rates, costs, or timelines cited reflect my own experience at a specific point in time and should be treated as illustrative rather than current. You must verify all information independently with the relevant institution or authority before relying on it.
6. No warranties
This site and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.
7. Limitation of liability
To the fullest extent permitted by applicable law, I accept no liability for any loss or damage — including direct, indirect, incidental, consequential, or financial loss — arising from your use of this site, your reliance on any content published here, or any action taken or not taken as a result. You use this site and act on its content entirely at your own risk.
8. Affiliate relationships and compensation
Some content may contain affiliate links, from which I may earn a commission if you sign up for or purchase a service, at no additional cost to you. I may also, in future, publish sponsored or partnered content. Where this is the case it will be clearly disclosed within the relevant post. Compensation does not influence my editorial opinions, and I only include affiliate links for services I have used personally. See also the Privacy Policy for how affiliate tracking may involve third-party cookies.
9. Third-party content and links
This site may link to third-party websites, services, or resources. These are provided for convenience only. I do not control, endorse, or accept responsibility for the content, accuracy, availability, or privacy practices of any third-party site.
10. No affiliation
Any company, bank, developer, government body, or institution referenced on this site is named for descriptive purposes only. No affiliation, sponsorship, partnership, or endorsement is implied or should be inferred unless explicitly stated.
11. Reader correspondence
I welcome questions and corrections. However, any response I provide by email, comment, or social media is a personal opinion and remains subject to this disclaimer in full. I cannot and will not provide individual financial advice.
12. Changes to this disclaimer
I may update this disclaimer from time to time. The version published on this page at the time you access the site is the version that applies. Continued use of the site constitutes acceptance of the current version.
13. Contact
Questions about this disclaimer: hello@thedirhamdiaries.com