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Terms And Conditions

Terms & Conditions

This statement applies to this Website which is operated by Sharjah Islamic Bank (SIB), a company licensed by Central Bank of the UAE and commissioned for banking and investment business activities. SIB’s Head Office is registered at P.O. Box 4, Sharjah, United Arab Emirates.


Please read the following important notes before accessing this website. By accessing this website you agree to be bound by these terms and conditions. If you do not agree to be bound by these terms and conditions please do not access this site.

The pages in this site provide general information about SIB’s products and services and the contents are for informational purposes only. They should not be regarded as complete or up to date.

Any application will be subject to normal approval procedures. Fees and charges maybe payable in relation to bank accounts or finances. Full details of profit rates, terms and conditions and product information in relation to banking facilities are available from any branch of SIB.

Services referred to in this website are intended for residents of the United Arab Emirates and may not be made available to overseas residents, as they may not comply with foreign laws.

About these Terms

Please read the Terms and Conditions (‘Terms’) of use set out below carefully before using this website. The use of this website and any transactions conducted on it are governed by these Terms and Conditions, SIB’s Disclaimer and Privacy and Security Statement.


References to ‘you’, ‘your’ and ‘yours’ are references to the individual(s) accessing this website. ‘We’, ‘us’ and ‘our’ are references to Sharjah Islamic Bank (SIB).

Acknowledgement and Acceptance of Terms

This website is owned by SIB. By using this website you acknowledge that you have read and understood the Terms and agree to be bound by them.

All products and services are subject to the terms and conditions, and disclaimers governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.

The information and other material provided in the pages of the website (including the Terms) may be changed at any time without notice by updating this posting. Your continued access to or use of this website following any changes will mean that you agree to any changes (including any amended Terms).

No Offer or Advice

Material contained within this website contains general information about SIB products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services. All applications for products and services are subject to SIB’s normal credit approval processes.

Limitation of Liability

The following clauses exclude or limit our legal liability for this website. You should read them carefully. They all apply only so far as the law permits. We have taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on this website. Information is provided in good faith and on an ‘as is’ basis. Information is believed to be accurate and current at the date the information was published on this website. We do not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained herein.

The use of this website is at your sole risk. We shall not be liable for any losses, damages or expenses (including legal costs) whatsoever arising out of or referable to materials on, or accessed through the website, even if we have been advised of the possibility of such damage.

We do not represent or warrant that the website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and equipment, and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the website.

Geographical Area

Unless otherwise stated or agreed with you, the information on this website has been prepared in accordance with UAE law for residents of the UAE and for the supply of products or services within the UAE only. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this website, it is not directed to you. Not all the products and services that you may be able to view via the website are available in all geographical locations.

If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that website and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. All products or services provided to you by SIB shall only be available in the jurisdictions within which SIB is authorised to operate.

Third Party

Sites Links to downloadable software sites are provided for the convenience of visitors to this website and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.


Unless otherwise indicated, all information and other materials on this website (including information and its arrangement) is owned by or licensed to SIB. This website or any portion of the website may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by SIB. You may imprint, copy, download or temporarily store extracts from our website for personal information or when you use our products and services only. You must not alter anything. In particular you may not use a part of our website on any other website, or link any other website to our website, without prior written permission from SIB.


You agree not to attempt to transfer any material of any kind to this site which contains a virus, malicious computer code or any harmful component and not to otherwise attempt to alter the content or integrity of our website. You agree that you are wholly responsible for use of the website by any person using your computer and you agree to ensure that any such person complies with these Terms. You agree to immediately notify SIB of any unauthorised use of your Email address or any other breach of security.

Data Protection and Security

We may as a result of your interaction with the website hold and process personal information obtained about you. We may use this information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention, audit and debt collection, to identify products and services which may be relevant to you or to evaluate the effectiveness of this website for statistical analysis. We will not disclose any such information outside of SIB, except where we are authorised by you or by the law to do so, or obliged by a regulator, or by confidential agreement to sub contractors or people acting as our agents in the performance of the services we provide. All personal data held by SIB, its sub-contractors or agents will be afforded a high level of protection against any authorised or accidental disclosure, access or deletion. By agreeing to these Terms you agree to such data being so used and that it may be transmitted to others as stated above.

Pricing All figures displayed on this website relating to fees, charges, profit and any other amounts are displayed in UAE Dirhams (AED) unless otherwise stated and are current at the time of issue, but are subject to change at any time.


These terms and your access to the website may be terminated at any time by SIB without notice. All restrictions, disclaimers and limitations of liability by SIB will survive termination.

Governing Law

These Terms are governed by and are to be construed in accordance with the laws of the UAE. You agree to the non exclusive jurisdiction of the courts of the UAE and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this website. If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect. We reserve any rights not expressly granted in these Terms.


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