Last updated: June 2026
These terms govern your use of Savvy. By creating an account or using the service, you agree to them. Please also read our Privacy Policy.
1. Acceptance of terms
By accessing or using Savvy, you agree to be bound by these Terms of Service. If you do not agree, please do not use the service.
2. Eligibility
You must be at least 18 years old and a UAE resident to use Savvy. By using the service you confirm that you meet these requirements.
3. What Savvy does
Savvy is a credit intelligence platform. You upload your official credit report and we decode it, showing your score, the factors behind it, the accounts on your file, and tools to help you understand and improve your standing.
4. What Savvy is not
Savvy is not a credit bureau, a lender, a bank, or a financial, legal or investment adviser. The information and figures we provide — including any score-impact estimates in the Score Simulator — are for general guidance and education only, are estimates, and are not guarantees. Decisions you make based on Savvy are your own. Always consider seeking advice from a qualified professional for important financial decisions.
5. Your account
You are responsible for keeping your account credentials secure and for activity under your account. Tell us promptly if you believe your account has been compromised.
6. The report you upload
You confirm that any credit report or document you upload relates to you and that you are entitled to share it with us. You must not upload anyone else's data without authority.
7. Acceptable use
- Don't use Savvy for any unlawful purpose or in breach of any applicable regulation.
- Don't attempt to disrupt, reverse-engineer, or gain unauthorised access to the service.
- Don't misuse the service to harm others or misrepresent your identity.
8. Subscriptions and billing
Savvy offers a free tier and paid plans. Paid plans are billed in AED, inclusive of VAT, on a monthly or annual basis as selected. Free trials, where offered, convert to paid subscriptions unless cancelled before the trial ends. You can cancel at any time and will retain access until the end of your current billing period, after which you return to the free tier.
9. Intellectual property
The Savvy platform, its design, content and branding are owned by Savvy and protected by law. Your data remains yours; you grant us only the permissions needed to provide the service to you.
10. Disclaimers and limitation of liability
The service is provided "as is". To the fullest extent permitted by law, Savvy is not liable for indirect or consequential losses, or for decisions made in reliance on estimates or guidance provided through the service. Nothing in these terms limits liability that cannot be limited under applicable law.
11. Termination
You may stop using Savvy and delete your account at any time. We may suspend or terminate access if these terms are breached or where required by law.
12. Governing law
These terms are governed by the laws of the United Arab Emirates, and you agree to the jurisdiction of the competent courts of the UAE.
13. Changes
We may update these terms from time to time. Continued use of Savvy after changes take effect constitutes acceptance of the updated terms.
14. Contact
Questions about these terms? Email legal@besavvysure.com or visit our Contact page.
