Terms & Conditions of Intermediation
Effective Date: January 1, 2026 | Dubai Department of Economy and Tourism License No. 1104825
1. Licensing & Company Status
Commonwealth Financial Advisory & Brokerage ("the Firm") is a Limited Liability Company incorporated in the Emirate of Dubai, United Arab Emirates, licensed by the Dubai Department of Economy and Tourism (DET) under License No. 1104825 (Commercial Registry No. 1827461). The Firm operates strictly as a commercial broker facilitating corporate advisory, feasibility studies, debt restructuring analysis, mortgage assessments, and commercial financing intermediation.
2. Scope of Services (B2B & B2C Advisory)
Services rendered by the Firm encompass:
- B2B Corporate Credit Readiness: Financial dossier preparation, commercial readiness auditing, and balance sheet structuring.
- B2B Business Debt Restructuring Advisory: Liability rescheduling plans, debt service coverage modeling, and lender negotiation files.
- B2C Premium Mortgage Assessment: Borrowing capacity analysis, LTV benchmarking, and loan application dossier preparation.
- B2C Personal Debt Consolidation Advisory: Personal liability reviews and single-facility consolidation roadmap structuring.
3. Non-Bank Disclaimer & Fee Model
The Firm is NOT a financial institution, credit lender, deposit-taking entity, or money-accepting institution. We do not provide credit directly, nor do we issue financial instruments or hold client capital. All services are performed strictly on a transparent fixed-fee consultancy basis ($1,000 – $4,000 USD).
4. Client Onboarding & KYC Responsibilities
In compliance with UAE Federal Decree-Law No. (20) of 2018 on Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT), all counterparties must complete the Client Eligibility Intake Form prior to engagement. Clients are responsible for providing authentic trade licenses, passport copies, Emirates IDs, and financial documentation.
5. Limitation of Liability & Third-Party Lenders
The Firm facilitates commercial matchmaking and dossier preparation but does not guarantee credit facility approvals or specific underwriting outcomes from third-party lending institutions. The Firm shall not be liable for commercial decisions, delays, or rejections rendered by independent banking partners.
6. Merchant Payment Gateway Terms & Payment Separation
Credit card payments processed through online payment gateways on this website strictly represent professional advisory retainers, corporate dossier preparation, debt restructuring analysis, and treasury platform access fees. Credit card payments DO NOT constitute investment deposits, gold asset acquisitions, or speculative trading funds. All institutional capital deposits and asset management allocations are conducted exclusively through verified bank wire transfers (IBAN/SWIFT).
7. Governing Law & Jurisdiction
These Terms & Conditions are governed by and construed in accordance with the laws of the Emirate of Dubai and the federal laws of the United Arab Emirates. Any disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the Dubai Courts or the DIFC Courts, as applicable.