Terms and Conditions

Dubai SME advises you "Applicant" to read these Terms and Conditions in their entirety before submitting any step of this Online Application Form. By initialing and agreeing, you are effectually signing this document and you are indicating that you have read and agree to this terms and conditions. Dubai SME and Applicant hereby agree as follows:


  • Your use of this site constitutes acceptance of these Terms and Conditions as at the date of your first use of the site.
  • Dubai SME reserves the right to change these Terms and Conditions from time to time by posting changes online. Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified.
  • You agree to use this site only for purposes of the Dubai SME RATE program, and in a manner which does not infringe the rights, or restrict, or inhibit the use of the site by any third party.
  • Dubai SME does not warrant that the functions contained in this site will be uninterrupted or error free or defects will be corrected.
  • If there is any conflict between these Terms and Conditions and rules and/or specific terms of use appearing on this site relating to specific material then the latter shall prevail.
  • These terms and conditions shall be governed and construed in accordance with the laws of Dubai / UAE. Any disputes shall be subject to the exclusive jurisdiction of the Courts of Dubai.
  • You hereby certify that the information provided are true and correct as to the best of your knowledge and you take complete responsibility of any incorrect information provided may have impact on the purpose of the information provided and may also result in rejection of application.
  • You understand that a false statement may disqualify you for applying for the program or receiving the RATE report
  • Applicant authorizes Dubai SME, to obtain credit reports, character reports, verification of rental and company history as it deems necessary to verify all information in this application (a process referred to as "Applicant Screening").
  • If these Terms and Conditions are not accepted in full, the use of this site must be terminated immediately.

Application Timelines

  • The Applicant agrees to complete the online payment process in not more than 5 working days from the time of application invoice generation; In case of non-adherence the Applicant would require to apply again.
  • The Applicant agrees to provide a time slot for site visit not more than 5 working days from the day of payment.
  • The Applicant agrees to provide all requested documentation not more than 3 working days from the day of site visit.
  • Dubai SME will provide the RATE report not more than 5 working days from the day of submission of all documentation.
  • The RATE report expires after 1 year from the day of initial application submission.
  • The Applicant can renew the RATE report before it expires by re-applying on this site not less than 90 days from the day of initial application submission.


  • Applicant agrees to pay a non-refundable Application Fee for the purpose of processing this Online Application. The Application Fee is earned upon the submission and receipt of this Online Application. All Application Fee payments are processed by Smart Dubai Government payment platform.
  • In the case you would want to renew the RATE report before it expires, the Applicant agrees to pay a non-refundable Application Fee for the same purpose.


  • Dubai SME is committed to protecting your privacy. We will only use the information that we collect about you lawfully, in accordance with the Data Protection Law DIFC Law No.1 of 2007 and Data Protection Law Amendment Law DIFC Law No. 5 of 2012
  • The information we collect will only be used by Dubai SME and our partner Emcredit Limited for the purpose of the RATE report.
  • We will never collect sensitive information about you without your explicit consent.
  • The information which we hold will be held securely in accordance with our internal security policy and the law.
  • If you have any questions/comments about privacy, you should email us at