Terms of Use

TERMS AND CONDITIONS OF USE

INTRODUCTION

These Terms and Conditions of Use (hereinafter, the “Terms“) constitute a legally binding contract between you (hereinafter, the “User“) and Huspy Properties L.L.C (hereinafter, “Huspy“), governing access to and use of the website [huspysignature.com] and the services provided therein as described in section 2 below (hereinafter, the “Portal“)

Please read the Terms in full. By accessing, registering on, and/or continuing to use the Portal, you acknowledge that you have read, understood, and agreed to be bound by these Terms in full, including any subsequent amendments. It is your responsibility to periodically review these Terms to familiarize yourself with any updates. If you (i) do not agree to these Terms in full; (ii) lack the legal capacity to form a binding agreement under applicable laws; or (iii) are unable to meet the requirements set forth herein then you are not authorized to use the Portal and are required to immediately discontinue your use.

All personal data provided by you or processed in connection with your use of the Portal will be handled in strict accordance with our Privacy Policy, which is fully incorporated into these Terms. By using the Portal, you confirm that you have read, understood, and accepted the terms of our Privacy Policy.

Scope of application: The Portal is intended as a direct service to end consumers buying or selling property.

1. IDENTIFICATION OF THE OWNER AND REGULATORY FRAMEWORK

The Portal is owned and operated by Huspy. Detailed information regarding the processing of your personal data is provided in the Privacy Notice prepared by Huspy, acting as the data controller, and available at [https://huspysignature.com/privacy-policy/]. For the purposes of hosting the Portal and operating its technical infrastructure, your personal data may be transferred to one or more group companies acting as data processors. This transfer is carried out within the framework of the intra-group data processing agreement, in compliance with applicable data protection laws, and solely in accordance with Huspy’s instructions.

2. DESCRIPTION OF SERVICES

2.1 Property Marketplace

Access to the portfolio of properties managed by Huspy, with advanced search tools, detailed property information and a personalised alert system.

2.2 Access to Buyers, Sellers and Professional Network

• Access to opportunities: quick and easy contact with potential buyers, sellers and agents.
• Buyer/seller client details: full name, telephone number, email address, property of interest and client notes,
• Professional network: interaction with Huspy registered agents, with mutual visibility of professional contact telephone numbers.

2.3 Mortgage Brokerage and Financing Services

• Mortgage calculator for estimating monthly repayments (for guidance only; does not constitute a binding offer).
• Informative advice on mortgage products.
• Processing of financing applications in collaboration with authorised banks.
• Comparison of mortgage offers and monitoring of the application status.

The final decision on whether to grant a mortgage rests solely with the financial institution.

2.3 Document Management

The Portal facilitates the secure management and storage of documentation related to property and mortgage transactions. You can find detailed information about the personal data processed while using the Portal, the purposes of processing, and data transfers in the Privacy Policy.

All documentation is stored on an encrypted and secure infrastructure (AWS S3, Frankfurt, EU). Uploaded image files may be technically processed by OpenAI, Together AI or Google Gemini exclusively for hosting, optimisation, format conversion, size reduction or similar technical support purposes without any analysis of the content subject to applicable data processing and cross-border data transfer requirements. Access to these documents is restricted to authorized Huspy personnel under a role-based access control system. Where necessary, international transfers of personal data are to be carried out in accordance with:

the Regulation (EU) 2016/679 of the European Parliament and of the Council, of 27 April 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (“General Data Protection Regulation” or “GDPR”); and/or (ii) the United Arab Emirates’ Federal Decree by Law No. (45) of 2021 concerning the Protection of Personal Data (“UAE PDPL”); and/or (iii) the British Virgin Islands’ Data Protection Act of 2021 (“BVI DPA”); and/or (iv) the Spanish Organic Law 3/2018 of 5 December on the Protection of Personal Data and the Guarantee of Digital Rights (“LOPDGDD”); and/or (v) the Italian Personal Data Protection Code (Legislative Decree No. 196/2003), as amended by Legislative Decree No. 101/2018 (“Italy PDPC”)

2.4 Publication of Properties on External Portals

The Portal enables the distribution of properties on external property portals in each jurisdiction.. The public contact details belong to Huspy.

2.5 Support

Subject to the Terms, Huspy will use commercially reasonable efforts to provide the User with uninterrupted Services and reasonable technical support services at its sole discretion. The User acknowledges and agrees that Huspy will have no obligation to provide the User with any support or maintenance in connection with the Portal or the User’s use thereof. Huspy also cannot guarantee that there will be no viruses, worms, Trojan horses, or other malicious code or harmful components embedded in the Portal which could adversely affect the device the User is accessing it from. It will be the User’s sole responsibility to ensure that the User’s device is adequately protected against such threats.

3. ACCESS AND REGISTRATION

3.1 Requirements to become a registered User

To register and use the Portal, the User must:

• Be over 18 years of age;
• Have full legal capacity to enter into contracts in accordance with UAE Civil Transactions Law (Federal Decree Law No. 25 of 2025); and
• Accept these Terms and the Privacy Policy.

3.2 Registration Process and Accuracy of Data

The User undertakes to provide accurate, complete and up-to-date information during the registration process and to keep it up to date at all times. All information provided by you must be provided in good faith. The provision of false information may entitle Huspy to suspend or cancel the account, without prejudice to any applicable legal action. Huspy will not be liable for any costs, expenses or liability incurred by you due to inaccurate information.

All information and interactions the User makes through its account or through its use of the Portal must be appropriate, factual, and remain professional at all times. The User must at all times (i) comply with applicable laws, rules and regulations, (ii) not infringe on any intellectual or proprietary rights of any third party, (iii) not submit, provide, promote, or display information that is inaccurate, false or misleading in any way whatsoever, including but not limited to, impersonating or purporting to impersonate any other person, (iv) not be offensive, illegal or inappropriate in any way, and (v) not infringe on any rights of any third party and/or restrict or inhibit such third parties or other Users use and enjoyment of the Portal.

3.3 Account and Credential Security

The User is solely responsible for the safekeeping and confidentiality of their login credentials and shall notify Huspy without undue delay if it becomes aware of any unauthorised use of the account or any security incident affecting the account. The User shall not permit any third party to access and/or use its account, login credentials, or any information related to its account. Huspy shall not be liable for any damages arising from unauthorised use of the User’s account due to the User’s acts, omissions, and/or negligence.

The User will remain responsible and liable for all activity that occurs through or is associated with its account. The User may not use the account of anyone else or set-up more than one account for itself (especially if the User’s account has been suspended or deactivated by Huspy for any reason).

3.4 Suspension and Cancellation of the Account

Huspy reserves the right to suspend or cancel a User’s account in the event of:

• Serious or repeated breach of these Terms.
• Detection of fraudulent, unlawful or harmful use towards third parties, suspected fraud and security risk.
• Loss of authorised User status.
• Prolonged inactivity exceeding three (3) months.
• An express request from the User.

4. OBLIGATIONS OF THE USER

The User undertakes to use the Portal diligently and in accordance with the law, morality and public order, and in particular undertakes to:

• Not to impersonate third parties;
• Not to enter false or inaccurate data on the Portal;
• Treat the data of purchasing customers to which they have access with strict confidentiality and in accordance with applicable data protection regulations, using it exclusively for the purposes for which it was provided by Huspy;
• Not to use the Portal for unlawful or fraudulent purposes, or for purposes that infringe the rights of Huspy or third parties;
• Not to reverse engineer, decompile or disassemble the Portal’s software;
• Not to use automated means (robots, scrapers, etc.) to access, monitor or extract data from the Portal without the express written authorisation of Huspy;
• Notify Huspy of any security incident or unauthorised access of which you become aware;
• Protect the confidentiality of the User account and login credentials assigned to them, not to share them with third parties, and to be responsible for any transactions conducted through the account;
• Commit to processing the personal data uploaded to the Portal or shared through the Portal in accordance with applicable data protection laws and to ensure that the necessary legal processing conditions are met;
• Not to upload or share content that infringes on the intellectual and industrial property rights of third parties; and
• Not to use or upload viruses, malware, or similar technological tools that could compromise the security or operation of the Portal.

In the event of a breach of these obligations, Huspy reserves the right to temporarily or permanently suspend or terminate access to the Portal, depending on the nature of the breach, and to seek compensation for any damages it has incurred.

5. USER RESTRICTIONS AND RESPONSIBILITIES

The User will not directly or indirectly: reverse engineer, decompile, disassemble or otherwise attempt to discover the source code, object code or underlying structure, ideas, know-how or algorithms relevant to the Services; modify, translate, or create derivative works based on the Services (except to the extent expressly permitted by Huspy or authorized within the Services); use the Services for the benefit of a third party; or remove any proprietary notices or labels.

The User will not access the Portal and/or the Services in order to build a similar product or create competitive Services.

No part of the Portal and/or the Services may be copied, modified, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including but not limited to linked, framed, hyperlinked or deep-linked into any other platform (except to the extent expressly permitted by Huspy or authorized within the Services).

The User will be responsible for obtaining and maintaining any equipment and ancillary services needed to connect to, access or otherwise use the Services, including, without limitation, modems, hardware, servers, software, operating systems, networking, web servers and the like (collectively, “Equipment”). The User will also be responsible for maintaining the security of the Equipment, User account, passwords (including but not limited to administrative and user passwords) and files under its control, and for all uses of User account or the Equipment with or without the User’s knowledge or consent.

The User may not at any time during its use of Huspy’s Services: (i) harass or abuse other Users and/or third parties, whether by threatening, stalking, spamming, transmitting junk mail, chain mail and/or any other form of harassment and/or abuse; (ii) violate the privacy of other Users and/or third parties, either by infringing applicable privacy laws, soliciting personally identifiable information for the purposes of harassment, exploitation, commercial activities, promotional activities, or any other reason which is contrary to the reason such information was obtained; (iii) unfairly interfere with any other User’s or third party’s uninterrupted use and enjoyment of the Services; (iv) upload, transmit, or introduce any viruses, worms, Trojan horses, or other malicious code or harmful components into the Services or Huspy’s systems; (v) engage in any activity that disrupts, disables, damages, or impairs the functionality or performance of the Services or Huspy’s systems, including but not limited to hacking, denial of service attacks, or other similar disruptive activities; (vi) disrupt, interfere with, or otherwise harm or violate the security of Huspy’s Services, system resources, accounts, passwords, servers or networks connected to or accessible through Huspy’s Services.

The User represents, covenants, and warrants that it will use the Services only in compliance with these Terms, Huspy’s requirements as published on the Portal, and all applicable laws and regulations. The User hereby agrees to indemnify, defend, and hold harmless Huspy, its group companies and affiliates (which in relation to a body corporate means any branch, subsidiary, or holding company of such body corporate, as well as any branch or subsidiary of that holding company), and their respective directors, officers, employees, agents, advisers and representatives, from and against any and all claims, damages, losses, liabilities, settlements and expenses (including without limitation costs and attorneys’ fees) arising out of or relating to: (a) any breach of User’s representations, warranties, or obligations under these Terms; (b) any violation of applicable laws or regulations by the User; (c) any use of the Services by the User that is not in accordance with these Terms; and (d) any negligence or willful misconduct by the User. Although Huspy has no obligation to monitor Users’ use of the Services, Huspy may do so and may prohibit any User access to the Services if Huspy believe there may be (or alleged to be) a violation of the Terms. Huspy reserve its right, at User’s expense, to assume the exclusive defense and control of any matter for which User is required to indemnify Huspy, and User agrees to fully cooperate with Huspy with regards thereto and not to settle any matter without Huspy’s prior written consent. Huspy will use reasonable efforts to notify User of any such claim, action or proceeding upon becoming aware of it.

User hereby release and discharge Huspy and its affiliates indefinitely, and Huspy’s and their respective representatives, successors and assigns (as applicable) from and against each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind (including personal injuries, death, and property damage) that has arisen or arises directly or indirectly, in whole or in part, out of User’s use of Huspy’s Services.

Huspy reserves the right to remove, restrict access to or disable any content or material that it reasonably believes violates these Terms, applicable law or the rights of any third party.

In the event of any dispute arising out of or in connection with the use of the Portal, all computer records maintained by Huspy, including its books and all records and communication logs, as well as any e-mail or post notifications sent by Huspy to the Users, shall constitute conclusive and exclusive evidence.

The User acknowledges and agrees that any notices or communications sent by Huspy via e-mail or post to the contact details provided by the Users on the Portal shall have the same legal effect as a valid formal notice or service of process, to the extent permitted by applicable law.

6 SPECIFIC TERMS AND CONDITIONS FOR MORTGAGE BROKERAGE

6.1 Huspy’s Role as a Mortgage Broker

In accordance with applicable local laws, Huspy acts as a mortgage broker. In this capacity, Huspy does not grant finance directly, but rather presents and proposes loan agreements, assists with their processing and provides the pre-contractual information required by law.

5.3 Pre-contractual Information

Hupsy will ensure that the end customer receives, in a timely and proper manner, all the mandatory pre-contractual documentation so that they can make an informed decision.

5.4 Remuneration

Huspy may receive fees from partner financial institutions for its intermediary services. This fact, as well as the amount and method of calculation, will be communicated clearly and transparently before any procedures are initiated.

6. MANAGEMENT OF CLIENT DATA BY THE USER

The User acknowledges that, in the course of their duties via the Portal, they may access personal data of buyer and seller clients provided by Huspy. In relation to such data, the User undertakes to:

• Process it exclusively for the purposes set out in the master collaboration agreement signed with Huspy and in compliance with applicable laws;
• Not to disclose it to third parties without the express authorisation of Huspy or a legal basis under applicable law;
• Apply appropriate confidentiality and security measures; and
• Notify Huspy, without undue delay, of any security breach or unauthorised access affecting such data.

Failure to comply with these obligations may result in the termination of the master collaboration agreement and the imposition of liability in accordance with applicable regulations.

7. INTELLECTUAL AND INDUSTRIAL PROPERTY

Intellectual Property Rights shall mean all intellectual property rights, whether registered or unregistered, including design rights, trademarks and service marks, patents, inventions (whether patentable or not), registered designs, copyrights, contractual waivers of moral rights, rights in databases and collections of data, utility models and all similar property rights whether or not registered or registrable, designs, drawings, performances, computer programs, rights in confidential information, know-how and trade secrets (and any documents containing such confidential information, know-how or trade secrets), business or brand names, rights in domain names, metatags, goodwill or the style or presentation of goods or services including applications for protection, renewal or extension of any such rights.

Huspy will own and retain all right, title and interest in and in relation to (a) the Services and Portal, and all improvements, enhancements or modifications thereto, (b) its source code, design, algorithm, brand, navigation structure, databases, texts, graphics, logos and other elements comprising it (c) any software, applications, inventions or other technology developed in connection with the Services, Portal or support, and (d) all Intellectual Property Rights related to any of the foregoing. No rights or licenses are granted except as expressly set forth herein.

Neither these Terms, nor the User’s access to or use of the Portal or the Services, will transfer to the User or any third party, any rights, title or interest in or to such Intellectual Property Rights, except for the limited access and licensing rights set out in these Terms. Huspy reserves all of its rights not granted in these Terms and reserves the same for its third party providers. There are no implied licenses granted under these Terms or by User’s use of the Services or Portal.

Huspy grants the User a limited, personal, non-exclusive, non-transferable and revocable licence to use the Portal and access the Services on their devices, for the sole purpose of enjoying the services described in these Terms. Any form of unauthorised reproduction, distribution or exploitation of the Portal or the Services is strictly prohibited.

8. LIABILITY

8.1 Best Efforts Obligation

Huspy undertakes to diligently provide the Services. However, it cannot guarantee the availability and uninterrupted continuity of the Portal and underlying Services. Access may be temporarily suspended due to maintenance work, updates, and decisions by legally authorized authorities or force majeure.

8.2 Exclusions of Liability

To the fullest extent permitted by UAE law, Huspy and its service providers (including but not limited to all equipment and technology suppliers), officers, affiliates, representatives, contractors, advisers and employees shall not be liable under any contract, negligence, strict liability, or other legal or equitable theory for:

• Operational and Data Loss: Any error, omission, or interruption of use; the loss, inaccuracy, or corruption of data; the cost of procurement of substitute goods, services, or technology; or any loss of business, revenue, or profits.
• Decisions taken by the User based on the information or simulations on the Portal: The User is solely responsible for verifying all data. Huspy disclaims all liability for any direct damages arising from decisions taken by the User based on the information or simulations on the Portal.
• Indirect Damages: Any indirect, exemplary, incidental, special, or consequential damages, whether or not Huspy has been advised of the possibility of such damages from the Users use of the Portal.
• Force Majeure: Any matter, technical failure, or delay beyond Huspy’s reasonable control.
• Third-Party Factors and Content: Any damages, claims, or losses arising from:
  • The inaccuracy, omissions, or out-of-date nature of property information provided by third parties.
  • Decisions, financial actions, or investments taken by the User/User based on the information, calculations, or simulations displayed on the Portal.
  • Technical faults, network downtime, or connectivity issues attributable to third parties or the User’s own internet connection.

8.3 Limitation of Liability

Except in cases of wilful misconduct, gross negligence, or where liability cannot be excluded or limited under mandatory provisions of applicable law, Huspy’s aggregate liability shall not exceed the total amount actually paid by the User to Huspy in the twelve (12) months immediately preceding the event giving rise to the claim.

9. THIRD-PARTY LINKS AND SERVICES

The Portal may contain links or integrations with third-party websites or services (property portals, financial institutions, etc.). Huspy does not control nor assume any responsibility for the content, privacy policies or practices of such third parties. The use of these services is governed by the terms and conditions of their respective providers.

10. DATA PROTECTION AND COMMERCIAL COMMUNICATIONS

10.1 Protection of Personal Data

The processing of the User’s personal data is governed by the provisions of the Portal’s Privacy Policy which forms an integral part of these Terms.

10.2 Commercial Communications

Huspy shall send commercial electronic communications to the User in compliance with the applicable laws and regulations. Where required by law, such commercial electronic communications shall be sent based on the User’s prior consent. In cases where applicable laws provide an exception to the prior consent requirement, commercial electronic communications may be sent pursuant to such exception.

The User may opt out of receiving commercial electronic communications at any time or withdraw their previously given consent at any time through the mechanism made available by Huspy or required under the applicable laws and regulations.

11. AMENDMENTS TO THE TERMS

Huspy reserves the right to amend these Terms. The User will be notified of any substantial amendments at least 30 days before they come into effect, via the Portal or by email. If the User does not agree with the new terms, they may terminate the contract by cancelling their subscription to the Services. Continued use of the Portal and Services following notification will imply acceptance of the amendments to the extent permitted by applicable law.

12. TERM AND TERMINATION OF THE SERVICES

These Terms shall come into force upon acceptance by the User and shall remain in force indefinitely. The User may request cancellation of the Services and delete account at any time, free of charge and without penalty, by contacting legal@huspy.io. Following termination, the User’s access to the Portal may be discontinued. Huspy shall retain personal data only for the period required under applicable laws or for the establishment, exercise or defence of legal claims. Once the applicable retention period expires and no legal basis for further processing remains, personal data shall be deleted, destroyed or anonymised in accordance with applicable data protection laws and Huspy’s data retention and destruction policies.

13. SUPPORT FOR USERS AND DISPUTE RESOLUTION

13.1 Customer Support

For any queries, issues or complaints contact@huspy.io. Huspy will use reasonable efforts to respond within a maximum of one month from the submission of the relevant request or complaint.

13.2 Applicable Law and Jurisdiction

These Terms shall be interpreted and governed in accordance with the laws of the United Arab Emirates. In the event of any dispute arising from their validity, interpretation or enforcement, both parties, acting in their capacity as professionals, expressly submit to the jurisdiction of the competent courts of Dubai, United Arab Emirates, waiving any other jurisdiction.

14. MISCELLANEOUS

14.1 Partial Invalidity

If any provision of these Terms is declared null and void by a final court ruling, the remaining provisions shall remain in full force and effect.

14.2 Non-Waiver

Any failure or delay by Huspy to exercise any right contained in these Terms shall not constitute a waiver of that right, unless expressly agreed in writing.

14.3 Current Version

The updated version of these Terms will be permanently available on the Portal.

Last Update: 1 August 2026