Terms of Service

Acceptance of these terms

By using my website at najeebzakri.com, the calculators and tools on it, the client portal, or by sending me an enquiry through any of them (together, the "Services"), you agree to these Terms of Service. If you do not agree, please do not use the Services. When you create an account you are asked to confirm that you have read these Terms and the Privacy Policy.

Who I am and what the Services are

I am Najeeb Zakri, a real-estate investment advisor based in the Emirate of Dubai, United Arab Emirates, reachable at najeeb@districteight.co and on +971 58 965 8602.

I practise through District Eight Real Estate LLC, a company registered in Dubai, United Arab Emirates under commercial licence number 1515729, with its registered address at Office 306, Binghatti House, Dubai, United Arab Emirates. Where these Terms say "I" or "me", your agreement is with that company.

The Services are: information about how I work and about the UAE property market; calculators and planning tools; forms through which you can ask me to contact you or to introduce you to a developer, a project or an investment programme; and a client portal in which existing clients can see the positions, valuations, documents and research relevant to their mandate. I introduce and advise. The website does not sell property, does not execute transactions, does not hold your money, and does not itself enter into any investment agreement with you. Every purchase, joint venture or fixed-return programme is contracted separately, in writing, with the developer or counterparty concerned.

I am not a bank, a fund manager or a regulated financial adviser. I am not licensed by the UAE Securities and Commodities Authority, the Dubai Financial Services Authority or the ADGM Financial Services Regulatory Authority, and nothing on the site is a regulated financial product or regulated investment advice. Real-estate brokerage in Dubai is regulated by the Dubai Land Department and its Real Estate Regulatory Agency (RERA); where a specific transaction requires a licensed broker or another regulated party, that activity is carried out by the appropriately licensed party.

Eligibility and where the Services may be used

You must be at least 18 years old and legally able to enter into a binding agreement. You confirm that any capital you describe to me is lawfully held and lawfully sourced, and that your use of the Services is lawful where you are.

The Services are not an offer, solicitation or invitation to buy or sell any property, security, or financial product in any jurisdiction where doing so would be unlawful or where I am not authorised. No property or investment opportunity mentioned on the site may be offered or sold to citizens or residents of the United States of America, or in any other country, state or jurisdiction where it would be unlawful to offer, solicit an offer for, or sell it.

Not advice, and no promise of any outcome

Nothing on the website or in the client portal is financial, investment, legal or tax advice, or a personal recommendation. It is general information and a set of tools to help you think. Property carries risk, including the risk of losing some or all of the money you invest, the risk that a developer or counterparty does not perform, illiquidity, currency movements, and changes in law and regulation. Past performance, whether mine, a developer's or the market's, does not predict future results. Before making any decision you should take your own independent legal, tax and financial advice.

In particular, none of the following is a promise, a forecast you should rely on, or an offer of any particular outcome: the calculators and their outputs; the rates, yields, appreciation figures and minimum ticket sizes shown on the site; the track-record figures on the home, About and How it works pages; market statistics in the Insights articles; and any figure shown inside the client portal that is marked projected or forecast.

The calculators and tools are illustrative

The wealth calculator, portfolio builder, diversification calculator, risk profiler, retirement calculator, mortgage calculator, ROI calculator and guaranteed-returns calculator on the public site, and the buyback and joint-venture return tools in the client portal, do arithmetic on the figures you enter and on assumptions I have chosen. Some of those assumptions are shown on screen; others are built in. For example, the wealth calculator assumes 4% annual appreciation compounded yearly plus a flat 6% annual rental yield on the amount entered, the retirement calculator assumes a 6% net yield and 6% annual growth, the mortgage and ROI calculators use indicative UAE lending rates and fee schedules dated on screen, and the portfolio builder's suggested allocations are my general rules of thumb, not an analysis of your circumstances.

Every result is an illustration of what those assumptions would produce, not a prediction of what a property or a portfolio will actually do. Real outcomes depend on the asset, the price paid, the market, financing, costs, tax, vacancy and timing, none of which a calculator knows. Where a tool lets you select a high return, yield or appreciation rate, that is an input you have chosen, not an indication that it is attainable. Rates and fees labelled indicative or as of a date were correct to the best of my knowledge on that date and change without notice.

What "guaranteed", "fixed return" and "buyback" mean on this site

Some pages, the guaranteed-returns calculator, and some programmes in the client portal use the words "guaranteed", "fixed return" and "buyback". Please read this section carefully, because it defines what those words do and do not mean here.

They describe a category of investment programme in which a developer or other counterparty undertakes, in a signed written agreement with you, to pay a fixed return over a fixed term and to return your capital at the end of that term. The rates shown on the site (for example 15% a year over two years or 18% a year over three years, on a minimum of AED 5,000,000) are the terms of programmes of that kind that were available through my introductions when the page was last updated. They are shown so that you can see how such a programme works and what the arithmetic would be.

Nothing on this website is that agreement, and nothing on it creates a guarantee. The website, the calculator, the hero card on the home page, the FAQ, the reservation and interest forms, my replies to them, and any WhatsApp, email or telephone conversation are not offers, are not acceptances, and do not bind me, any developer or any counterparty to pay you anything. A guaranteed or fixed return exists only if, and from the moment, you sign a written agreement with the counterparty that provides for it, and only on the terms, conditions, security and timing set out in that agreement. Until then, every figure is illustrative and every programme is subject to contract, eligibility, due diligence, availability and change or withdrawal without notice.

Unless a signed agreement says otherwise, the person promising the return is the counterparty named in that agreement, not me. A promise of this kind is only as good as the counterparty's ability and willingness to honour it. Registration of a property interest with the Dubai Land Department records your interest in the property under Dubai's property laws; it does not, by itself, guarantee that any return will be paid or that your capital will be returned, and it does not make me, the Dubai Land Department or the Government of Dubai a guarantor. What security, if any, backs a particular programme is a matter for the agreement and for your own legal advice on it.

The words "Reserve my return", "Reserve your guaranteed return" and similar wording on forms and buttons mean that you are asking me to contact you about a programme. Submitting such a form does not reserve, allocate or secure anything, does not commit you to invest, and does not commit me or any counterparty to accept you.

Figures, statistics and the client portal

The track-record figures on the site (years of track record, assets under management and investments advised on) are my own figures as at the date stated beside them, are rounded, and are not audited. Market statistics in articles are drawn from the third-party sources named in the text and are reproduced in good faith without independent verification. Some figures on the site, including calculator defaults, suggested allocations and example amounts, are illustrative and may be updated or replaced; where a figure is illustrative or unconfirmed I will say so, and these Terms apply to it either way.

In the client portal, valuations are estimates from the sources indicated and are not offers to buy; cash flows marked projected are forecasts, not income; research on developers, communities and launches is my opinion at the time of writing; and documents are provided for your reference and remain subject to the originals. Portal content is confidential to you and is not to be shared outside your own advisers without my consent.

Enquiries are not engagements

Submitting an enquiry, reservation, interest, expression-of-interest or registration form tells me that you would like to talk. It does not create a contract, an engagement, an allocation, or any obligation on either side. Any advisory engagement is agreed separately and in writing, and any investment is documented separately with the counterparty.

Your account

You may create one account, for yourself, using accurate and current details, and you must keep them accurate. You are responsible for your password and for everything done through your account while you are signed in; sign out on shared devices, and tell me at once if you believe your account has been used without your permission. The portal is for clients and prospective clients I have approved; I may decline, suspend or close an account, or remove portal access, if these Terms are broken, if I am required to by law, if the account is used in a way that could harm the Services or another client, or if the relationship it supports ends.

You can delete your account at any time from your account page, or by emailing najeeb@districteight.co. Deletion removes your profile and sign-in; associated enquiry and interest records are removed or anonymised; and records that I must keep for a client engagement under UAE law are retained for the period the law requires and then deleted, as set out in the Privacy Policy.

Acceptable use

You agree not to:

• use the Services for any unlawful, fraudulent or harmful purpose, or submit information that is false, misleading, or that you are not entitled to share;
• attempt to gain unauthorised access to the Services, another person's account or portal content, or to interfere with or disrupt the Services or their underlying systems;
• abuse the public forms or the phone-verification feature, including by automated submission;
• scrape, harvest, copy or republish site or portal content, or impersonate any person or entity; or
• use the Services in a way that breaches UAE Federal Decree-Law No. 34 of 2021 on Combating Rumours and Cybercrimes, including by posting or transmitting unlawful, false or harmful content.

Intellectual property

All content on the Services, including text, design, graphics, calculators, research, the "Zakri" name and related marks, is owned by Najeeb Zakri or used under licence and is protected by applicable intellectual-property law. You may view and print pages for your own personal, non-commercial use in considering an investment. You may not otherwise copy, reproduce, distribute, or create derivative works from any of it without my prior written consent. Developer names and logos belong to their owners and appear for identification only; their presence does not imply a partnership or endorsement.

Third parties

The Services reference and link to third parties, including developers, brokers, Calendly for scheduling and WhatsApp for messaging, and they rely on the hosting and data providers named in the Privacy Policy. I do not control, and am not responsible for, third-party content, products, services or terms, and a reference is not an endorsement. Your dealings with any developer, counterparty or other third party, including any investment agreement you sign, are between you and them.

Disclaimers and limitation of liability

The Services are provided "as is" and "as available", without warranties of any kind, express or implied, to the fullest extent permitted by the laws of the UAE. I do not warrant that the Services will be uninterrupted, secure or error-free, or that any information, figure, calculation or valuation is complete, accurate or current.

To the maximum extent permitted by applicable UAE law, I will not be liable for any loss arising out of or in connection with your use of, or reliance on, the Services, including any investment decision you make after using them, and in no case for any indirect, incidental, consequential or special loss, or any loss of profits, capital, data or opportunity. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud.

Indemnity

You agree to indemnify me against claims, losses and reasonable costs arising out of your breach of these Terms or your misuse of the Services, to the extent permitted by applicable UAE law.

Governing law and jurisdiction

These Terms, and any dispute arising out of or in connection with them or the Services, are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. The courts of Dubai have exclusive jurisdiction, and the DIFC Courts where a relationship falls within their jurisdiction. Nothing in this section limits any right you have as a consumer under mandatory law where you live.

Severability and entire agreement

If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force, and the invalid provision is replaced, so far as possible, by a valid one that reflects its intent. These Terms, the Privacy Policy and the Cookie Policy are the whole agreement between us about the Services; a separate written engagement letter or investment agreement governs its own subject matter and prevails over these Terms where they conflict.

Changes to these terms

I may update these Terms from time to time, for example when a tool, a programme or the law changes. The "last updated" date above shows the current version, and a material change will be flagged on this page and, if you hold an account, sent to you by email. Continued use of the Services after a change means you accept the updated Terms.

Contact

Questions about these Terms can be sent to najeeb@districteight.co.