At Siraj Finance PJSC, we believe that transparency and awareness are the foundation of strong customer relationships. As a finance company licensed and regulated by the Central Bank of the UAE, we are committed to keeping our customers well-informed and empowered.
This section brings together key resources and guidance to help you understand your rights, responsibilities, and the services we provide.
Key Documents
- General Terms & Conditions
Understand the rules, obligations, and conditions that apply to our products and services.
General Terms & Conditions - Key Facts Statements (KFS)
Simple product summaries highlighting important terms and key obligations, helping you make informed decisions.
KFS Personal Finance
KFS Vehicle Finance
- Schedule of Charges
Complete details of applicable fees and charges for our products.
Schedule of Charges - Product Terms & Conditions
Understand the specific terms, eligibility criteria, and obligations that apply to our finance products.
Personal Finance Terms & Conditions
Vehicle Finance Terms & Conditions - Customer Charter
Our service commitment to customers, outlining how we aim to serve you with fairness and transparency.
Customer Charter - Annual Reports
Access our audited annual reports, reflecting our financial performance and stability.
Annual Reports - Complaints Handling
We value your feedback. If you have a concern or complaint, please fill out our online complaint form and submit it to us.
Submit a Complaint - Disclaimer
Legal notice explaining the limits of liability regarding the information provided on our website.
Disclaimer - Fraud Awareness & Security Tips
Guidelines to help you protect yourself from fraud, scams, and phishing attempts.
Fraud Awareness
Education Tips
Financial Tips & Good Practices
- Create a Monthly Budget - Track income and expenses to avoid overspending.
- Save First, Spend Later - Transfer a portion of your income to savings before you start spending.
- Build an Emergency Fund - Keep at least 3-6 months' worth of expenses aside for unexpected situations.
- Use Financing Wisely - Borrow/Finance only what you need and ensure payments fit comfortably into your budget.
- Pay on Time - Timely payments avoid penalties/donation amount and protect your credit rating.
- Avoid Unnecessary Debt - Don't use credit or finance for lifestyle spending beyond your means.
- Compare Products Before Applying - Always check Key Facts Statements (KFS) and fees of financial products.
- Monitor Your Credit Report - Regularly check your credit score/history to stay aware of your standing.
- Plan for Long-Term Goals - Save and invest with your future in mind (education, home, retirement).
- Protect Your Personal Information - Never share PINs, OTPs, or account details with anyone.
- Be Cautious with Online Transactions - Shop only from secure and trusted websites.
- Limit Credit Card Usage for Cash Withdrawals - Avoid using credit cards at ATMs due to high fees.
- Review Statements Regularly - Check Account statements to spot and report errors or suspicious activity early.
- Avoid Impulse Purchases - Give yourself 24 hours before making big non-essential purchases.
- Set Financial Goals - Whether it's saving for a holiday, car, or house, clear goals keep you motivated.
- Use Mobile/Online Banking Safely - Log out after use and avoid public Wi-Fi for transactions.
- Seek Professional Advice if Needed - Don't hesitate to get guidance from professional financial advisors.
- Stay Informed - Keep up-to-date with financial awareness resources provided by Siraj Finance PJSC.
Our Commitment
Siraj Finance PJSC is dedicated to ensuring that every customer has access to clear, accurate, and transparent information. This Consumer Education & Awareness hub is your single source for key resources that safeguard your rights and support informed financial decisions.
Disclaimer
The financial tips and educational content provided on this page are intended solely for general guidance and awareness purposes. They do not constitute financial, investment, legal, tax, or professional advice, nor do they replace independent professional consultation.
- Siraj Finance PJSC makes no representation or warranty, express or implied, regarding the completeness, accuracy, or suitability of this information for your individual circumstances.
- Customers should always review the applicable Key Facts Statements (KFS), Terms & Conditions, and Schedule of Charges before applying for or using any product or service.
- Siraj Finance PJSC shall not be liable for any loss, damage, or consequence arising directly or indirectly from reliance on the information provided in this section.
- Customers are encouraged to seek independent financial advice prior to making any commitments or financial decisions.