Terms & Conditions

1. Acceptance of terms

By accessing or using the Ratibi Balance Check website (the “site”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the site.

2. Nature of the service

The site provides general, informational content about how Ratibi cardholders can check their salary card balance using common methods such as ATM, SMS, or online banking. The site is not a banking service. We do not process transactions, store account data, or have access to any FAB systems.

3. No affiliation with FAB

We are not affiliated with, endorsed by, or sponsored by First Abu Dhabi Bank (FAB) or any other financial institution. All trademarks and brand names mentioned belong to their respective owners and are used only to describe the services they refer to.

4. Accuracy of information

We try to keep the guide accurate and up to date, but banking procedures, short codes, fees, and interfaces can change at any time without notice. The information on this site is provided “as is” without warranties of any kind. Always verify any details with FAB through their official channels before acting on them.

5. Acceptable use

By using the site, you agree that you will not:

• Use the site for any unlawful or fraudulent purpose.
• Attempt to interfere with, disrupt, or gain unauthorized access to the site or its underlying systems.
• Submit any content through the contact form that is abusive, threatening, defamatory, or contains malicious code.
• Scrape, copy, or republish substantial portions of the site without permission.

6. Contact form

The contact form is provided for general feedback and questions. Please do not include card numbers, PINs, OTPs, passwords, or any other sensitive banking information. We are not responsible for any data you choose to submit, and sensitive information shared with us may be deleted without being read.

7. Intellectual property

All original text, layouts, and design elements on this site are owned by us and are protected by applicable copyright and intellectual property laws. You may view and share the content for personal, non-commercial use, with attribution.

8. Third-party links

The site may contain links to third-party websites for your convenience. We do not control these websites and are not responsible for their content, privacy practices, or accuracy.

9. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your use of the site, including any losses related to money, accounts, missed payments, declined transactions, or actions you took based on the information provided here.

10. Changes to these terms

We may update these Terms & Conditions from time to time. The “Last updated” date above will reflect any changes. Continued use of the site after an update means you accept the revised terms.

11. Termination

We may suspend or restrict access to the site, in whole or in part, at any time and without notice, for any reason, including violations of these terms.

12. Governing law

These terms are intended to be interpreted in good faith. Any disputes will be resolved according to the applicable laws of the user’s jurisdiction, unless otherwise required by law.