A 19-year-old Emirati was fined Dh1,000 after being convicted of violating the public decency act. The incident occurred on November 10, 2023, in a public parking lot near a café in Port Rashid, Dubai.
The teenager left an offensive handwritten note on the windshield of a white Mercedes parked by an Emirati woman who had entered the café with her husband. About an hour later, the husband discovered the note, photographed it, and alerted his wife, who immediately reported the matter to the police.
Authorities swiftly launched an investigation, using surveillance footage to identify the defendant, who was driving a vehicle registered in Abu Dhabi. Upon being contacted by the police, the teenager admitted to writing the note, claiming it was intended as a joke or prank. He stated he had no prior connection to the car owner and had hoped only to provoke a reaction but left the scene before witnessing any consequences.
During questioning, the teenager expressed regret, acknowledging he had underestimated the seriousness of his actions.
In court, the defendant pleaded guilty and presented evidence of reconciliation with the complainant. However, the court emphasized that the offence could not be dismissed due to its nature, citing Federal Law No. 31 of 2021, which penalizes public decency violations.
Considering the defendant's age and genuine remorse, the court opted for leniency, imposing a Dh1,000 fine. The ruling underscored the importance of accountability for actions that breach public decency, even when intended as a prank.
The case serves as a reminder of the legal and social consequences of behavior that undermines public decorum in the UAE.
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The UAE continues to prioritize inclusivity by providing benefits and opportunities for people of determination (PoD), ensuring their active participation in society. These benefits include free parking, toll exemptions, healthcare discounts, Fazaa cards, and access to specialized facilities such as sensory spaces, wheelchair ramps, and modified taxis.
For Abu Dhabi citizens, the government has streamlined the process for people of determination to apply for private-sector jobs through Tamm, a unified platform for government services. Below is a step-by-step guide on eligibility, required documents, and the application process.
To apply for a private-sector role, the following documents are needed:
Comprehensive diagnostic report from the Zayed Higher Organisation for People of Determination (with full specifications).
Education certificates as proof of academic qualifications.
People of Determination Card from Zayed Higher Organisation to confirm disability status.
Updated Curriculum Vitae (CV).
Emirates ID.
Visit the Tamm website and navigate to the services section.
Select the "Social Care" category.
Click on 'PoD Support' and choose 'Apply for a Job for People of Determination.'
Log in using UAE Pass credentials.
Specify whether you are applying for yourself or on behalf of someone else.
Complete the application by providing qualifications, experience, and required documents.
Submit the application. You will receive a confirmation text message indicating whether your application has been approved or rejected.
As per the Tamm website, the following criteria must be met:
The applicant must be a citizen of Abu Dhabi.
They must be an Emirati national or hold a UAE passport and family book.
The applicant must be between 18 and 40 years old at the time of registration.
They should not already be employed.
The application is not applicable to people of determination students currently enrolled in morning classes.
Applicants running their own businesses are ineligible for this service.
The UAE’s initiatives aim to empower people of determination by providing accessible infrastructure and creating platforms to utilize their skills and talents effectively. With programs like these, the nation continues to foster an inclusive environment that promotes equal opportunities for all.
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Dubai residents can now enjoy peace of mind with the launch of Smart Home Security, the UAE’s first 24/7 monitored home security system directly integrated with Dubai Police. This state-of-the-art system was introduced at Gitex Global 2024 in partnership with e& UAE, providing a new level of home protection and safety.
The Smart Home Security system offers round-the-clock surveillance with advanced detectors, sensors, and cameras capable of distinguishing routine activities from potential threats. It is the only home security system in the UAE directly connected to law enforcement, ensuring rapid response to emergencies.
Continuous Monitoring: Once installed, the system monitors your home for suspicious activity using motion detectors, cameras, and other sensors.
Instant Alerts: If a threat is detected, real-time alerts are sent to a 24/7 monitoring center for assessment.
Police Notification: Verified threats are immediately escalated to Dubai Police for emergency action.
Residents can purchase and register for the Smart Home Security system through the official Dubai Police Home Security website.
Visit the Website: Navigate to the home security section.
Create an Account: Register by providing your mobile number, name, email, Emirates ID (scanned copy), and address (or Makani number).
Select a Package: Choose a plan, review costs, and agree to terms.
Make Payment: Complete the transaction using a debit or credit card.
Once registered, you’ll receive a notification confirming your installation date.
Certified technicians install the system to ensure optimal placement for maximum coverage. The package includes:
Five-Year Maintenance Support: Regular checks and repairs to maintain functionality.
24/7 Monitoring: Continuous oversight for real-time threat detection and response.
Three plans are available to suit varying needs:
One-Year Plan: AED 311 annually + AED 261.45 upfront.
Three-Year Plan: AED 147 annually + AED 261.45 upfront.
One-Time Purchase: AED 3,261.30.
All plans include 5% VAT.
Motion Detectors: Real-time alerts for unusual movements while minimizing false alarms.
Door and Window Sensors: Immediate notifications for unauthorized access to secure your home’s perimeter.
Control Panel: A touchscreen hub to manage all system features and receive alerts.
Responding to Alerts
If an alert is triggered, the monitoring team will guide you through appropriate steps using the app. Their real-time support ensures you are prepared to handle any situation.
With Smart Home Security, Dubai residents benefit from cutting-edge technology, seamless integration with law enforcement, and unparalleled peace of mind, knowing their homes are monitored round the clock.
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Are you considering freelancing in Dubai? Whether you’re a graphic designer, photographer, or pursuing another profession, obtaining a freelance visa in the UAE can open doors to exciting opportunities. Here's a comprehensive guide covering qualifications, costs, and the process.
Do You Need a Degree for a Freelance Visa?
A degree is not mandatory to obtain a freelance visa. However, according to Liam Doherty, Enterprise Director at Connect Resources, the designation on your visa depends on your credentials. For skilled roles like graphic design (Level 1), an attested degree is required, while professions like photography (Level 3) may only need a high school diploma. Freelancers without these qualifications can still apply for an unskilled visa and operate under a lower-level designation.
Working Across Multiple Professions
Freelancers in Dubai have the flexibility to work in more than one area under the same freelance permit, provided they are qualified. The freelance permit, issued as a Sole Establishment Licence, allows you to list multiple activities, such as graphic design and photography.
Costs of a Freelance Visa
The cost of a freelance visa varies depending on the free zone or business setup consultancy you choose. Generally:
One-year visa: ~AED 7,000
Two-year visa: AED 14,000–20,000
These costs include visa issuance and renewal.
Remote Application and UAE Entry
You can start the application process remotely while outside the UAE. However, final steps, such as medical tests and biometrics, must be completed within the UAE. Applicants often enter on a visit visa to finalize residency formalities, including a status change, which must be completed before the visit visa expires to avoid fines.
Workspace and Co-Working Options
Freelance visas are issued by various free zones, such as Dubai Media City, Dubai Design District, and DMCC. Many free zones provide co-working spaces, flexi desks, and virtual office setups, offering flexibility for freelancers.
Banking Access
Freelance visa holders can open personal bank accounts in the UAE, as residency is a key requirement. For corporate accounts, additional documentation, such as a trade licence and proof of income, may be needed.
Starting your freelancing journey in Dubai is an exciting prospect, with opportunities to grow professionally while benefiting from the UAE’s vibrant business ecosystem.
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A Ras Al Khaimah court has acquitted a 40-year-old man of charges accusing him of assaulting and filming his 35-year-old wife without her consent. The Court of First Instance also dismissed a related civil lawsuit against him.
The man’s legal counsel presented medical reports that refuted the claims of physical harm. The defence further argued that the wife had a documented history of fabricating allegations, despite their 17-year marriage and the welfare of their eight children.
The accusations stemmed from an incident where the wife left their eight children home alone to go to work, returning late at night. The husband had put their 3-year-old daughter to bed but faced resistance when the mother attempted to take the child, despite his request to let her rest.
In response to the altercation, the husband began recording the interaction, claiming he had her consent. The court found no intent of assault, noting that the video was made to protect himself legally amidst ongoing disputes.
The husband has accused the wife of misappropriating Dh43,000, filing a separate civil lawsuit to recover the funds. Divorce proceedings have also been initiated by the husband, while the wife has yet to provide evidence supporting her claims.
The court concluded that the accusations were unsubstantiated, declaring the husband innocent of all charges.
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The UAE Lottery, operated by The Game, has announced a ground-breaking initiative to support individuals at risk of developing unhealthy gaming habits, including addiction. In collaboration with Takalam, a leading mental well-being platform, this partnership aims to provide comprehensive mental health support to gamers through a dedicated mini-site.
The platform features unlimited free online counselling and coaching sessions powered by artificial intelligence (AI), offering a safe space for gamers to seek professional guidance. In addition to counselling, users can access a library of resources, including informative videos and articles focused on managing gaming behaviors and promoting mental well-being.
This initiative reflects The Game’s commitment to responsible gaming and its proactive approach to addressing gaming-related challenges in the UAE.
Participation in lotteries and raffles in the UAE is regulated under strict guidelines to ensure fairness and transparency. Key rules include:
Legal Age Requirement: Participants must be 18 years or older to purchase lottery tickets or participate in raffles.
Prohibited Practices: Fraudulent activities, including tampering with tickets or results, are strictly forbidden and subject to legal consequences.
Ticket Purchases: Lottery tickets can only be purchased through authorized sellers or platforms approved by regulatory authorities.
Gaming and Addiction: Platforms are required to promote responsible gaming, ensuring participants are aware of the risks of gambling addiction. Initiatives like the collaboration between The Game and Takalam underscore this priority.
Winnings and Taxes: Winners are required to claim their prizes within a specified timeframe. Taxes on winnings vary depending on the regulations in the participant's home country.
Through these rules and initiatives like the partnership with Takalam, the UAE continues to foster a responsible and supportive gaming culture while providing avenues for entertainment and financial rewards.
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Health insurance policies can often be complex, leaving many residents in the UAE uncertain about whether specific treatments or tests are covered. It is not uncommon to have a doctor prescribe tests or treatments, only to later discover that they are not included in your insurance plan.
Understanding the reasons behind such rejections is crucial for navigating health insurance policies effectively. Coverage limitations often depend on the terms and conditions outlined in your policy, including exclusions, pre-authorization requirements, and network restrictions.
Policy Exclusions: Certain treatments, such as elective procedures or experimental therapies, may fall outside the scope of your plan.
Pre-existing Conditions: Some policies do not cover conditions that existed before the start of the insurance coverage period.
Network Restrictions: Visiting a healthcare provider outside the insurer’s approved network can result in coverage denial.
Lack of Pre-Approval: Procedures requiring pre-authorization from the insurer may be denied if approval was not obtained beforehand.
Review Your Policy: Familiarize yourself with the terms and conditions, including any exclusions, waiting periods, and network limitations.
Seek Clarification: Contact your insurer for detailed explanations regarding coverage for specific treatments or tests.
File an Appeal: If a claim is denied, you can appeal the decision with supporting documents from your healthcare provider.
Upgrade Your Plan: If your current plan does not meet your healthcare needs, consider upgrading to one with broader coverage options.
Understanding your health insurance policy and its exclusions empowers you to make informed decisions about medical care, ensuring you can navigate the system with confidence and avoid unexpected costs.
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Engaging in unlicensed lottery or gambling activities in the UAE carries significant risks, the General Commercial Gaming Regulatory Authority (GCGRA) has warned. These risks include fraud, financial loss, and lack of consumer protection. The UAE’s strict laws prohibit both operating and participating in unlicensed gambling activities, with violators facing severe penalties.
The UAE enforces stringent penalties for unauthorized gambling. Players can face fines of up to Dh50,000, while individuals running gambling operations may be fined at least Dh100,000 and jailed for up to 10 years.
The GCGRA identified six major risks associated with engaging in illegal gambling:
No consumer protection: Players have no legal recourse for unfair practices or non-payment.
Financial loss: Manipulated game outcomes and deceptive tactics by unlicensed operators can lead to significant financial losses.
Fraud and scams: Illegal operators often collect sensitive personal and financial data, which can be exploited for fraudulent activities.
Cybersecurity threats: Participants risk exposure to malware and phishing attacks through unverified platforms.
Reputational damage: Regulatory investigations can tarnish the reputations of those involved in illegal gambling.
Increased crime rates: Unlicensed gaming is often linked to organized crime, money laundering, and human trafficking.
The GCGRA urges residents to verify an operator’s licensing status on its official website before participating in any gambling activities. It also warns against sharing personal or financial information with unlicensed platforms.
Protect yourself by adhering to the law. Playing with licensed operators ensures fairness, security, and compliance with regulations. Unlicensed operators lack oversight, consumer protection measures, and financial accountability. Avoid these platforms to prevent adverse consequences.
Mullally also highlighted risks to advertisers, payment processors, and service providers that support illegal operators, warning that they too could face penalties and operational restrictions in the UAE.
Residents are encouraged to report unlicensed gambling operations to the GCGRA at enforcement@gcgra.gov.ae.
As of December 9, the GCGRA has licensed five companies:
Wynn Resorts for a gaming facility in Ras Al Khaimah’s Al Marjan Island.
The Game LLC to operate The UAE Lottery.
Vendor licences awarded to Aristocrat Technologies Europe, Smartplay International Inc, and PayBy Technology Projects LLC.
The GCGRA clarified that no internet gaming or sports wagering licences have been issued as of yet. Conducting or facilitating commercial gaming without a valid licence remains illegal and is punishable under UAE law. This prohibition extends to operators, employees, and third-party service providers, as well as individuals participating in these activities, whether online or in physical venues.
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The UAE banking sector is at the forefront of digital transformation, rapidly embracing innovative technologies to meet evolving customer expectations. As hyper-personalization becomes a critical strategy, banks must not only focus on delivering tailored services but also ensure compliance with legal and regulatory frameworks.
Hyper-personalization, which involves leveraging data analytics, artificial intelligence, and machine learning to offer highly customized services, presents both opportunities and challenges. From a legal perspective, banks operating in the UAE must address several key considerations to implement hyper-personalization responsibly and securely.
The cornerstone of hyper-personalization is the use of customer data. UAE banks must comply with Federal Decree-Law No. 45 of 2021 (the UAE Personal Data Protection Law, or PDPL), which regulates the collection, processing, and storage of personal data. Key legal obligations include:
Obtaining Consent: Banks must secure explicit consent from customers before collecting and processing their data for personalized services.
Purpose Limitation: Data collected must only be used for the purposes explicitly stated to the customer.
Transparency: Customers must be informed about how their data is used and stored, ensuring banks maintain a transparent relationship.
Cross-Border Data Transfers: If data needs to be shared internationally, banks must ensure compliance with the PDPL’s cross-border data transfer rules, which mandate adequate protection measures for customer data.
With the increased use of digital platforms for hyper-personalization, banks must bolster their cybersecurity frameworks. The Dubai Electronic Security Center (DESC) and the UAE Cybersecurity Council provide guidelines to ensure that financial institutions protect sensitive customer data from breaches. Key steps include:
Implementing robust encryption for data storage and transfer.
Regularly updating cybersecurity protocols to counter emerging threats.
Conducting periodic audits to assess vulnerabilities in digital banking platforms.
AI plays a pivotal role in hyper-personalization, enabling banks to predict customer needs and deliver tailored services. However, UAE banks must align their AI practices with ethical guidelines outlined in the UAE National Strategy for Artificial Intelligence 2031. Key considerations include:
Ensuring AI-driven decisions are free from bias and discrimination.
Providing customers with explanations of AI-based decisions affecting their financial status or eligibility for services.
Establishing governance frameworks to oversee the ethical use of AI in banking operations.
Hyper-personalization often involves dynamic pricing, tailored product recommendations, and predictive analytics, which may lead to disputes over fairness and transparency. To address these issues, banks must:
Provide clear terms and conditions for personalized offerings, ensuring customers understand the basis for pricing or service recommendations.
Offer accessible grievance mechanisms in compliance with the Consumer Protection Regulations issued by the UAE Central Bank.
Regularly educate customers about their rights in a hyper-personalized banking environment.
The UAE Central Bank has issued comprehensive regulations governing digital banking services, including guidelines for digital onboarding, electronic know-your-customer (eKYC) processes, and fraud prevention. Banks must ensure:
Full compliance with the Consumer Protection Regulation and Standards (CPRS), emphasizing transparency and fair treatment of customers.
Adherence to Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) regulations to prevent misuse of personalized banking systems.
While hyper-personalization offers UAE banks a significant competitive edge, it also requires careful navigation of the legal landscape. Compliance with data protection laws, cybersecurity standards, and ethical AI practices is paramount to building customer trust and ensuring long-term success.
By embedding legal safeguards into their personalization strategies, UAE banks can deliver exceptional customer experiences while maintaining regulatory compliance, setting a benchmark for the global banking industry.
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The Middle East and North Africa (MENA) region is rapidly emerging as a global hotspot for online trading, driven by dynamic markets, cutting-edge technologies, and increasing investor interest. At the forefront of this evolution is Dubai, which has solidified its position as the hub for traders capitalizing on the region’s fast-growing financial landscape.
Dubai’s favourable regulatory environment and thriving financial ecosystem have attracted traders from around the world. A growing influx of forex companies and brokers has provided access to diverse platforms, instruments, and tools, enabling traders to enhance their strategies and expand their portfolios.
The 2024 UAE Leverage Trading Report by Investment Trends highlights a significant increase in active FX/CFD traders, underscoring the region's rising demand for investment opportunities. Dubai’s regulatory reforms and the establishment of free zones like the Dubai International Financial Centre (DIFC) have further enhanced transparency and security in trading, making the city an attractive destination for both local and international brokers.
Key regulatory bodies like the Dubai Financial Services Authority (DFSA) ensure strict oversight, fostering trust and long-term growth in the financial sector. Additionally, Dubai’s strategic location bridges global markets, offering traders the advantage of overlapping time zones with Asia, Europe, and North America.
Dubai’s commitment to fintech innovation has been pivotal to its success. Despite global challenges, investment in the UAE's fintech sector surged by 92% in 2023, highlighting the country’s resilience and focus on advancing trading technology. These investments provide traders with cutting-edge tools to navigate markets with confidence.
Dubai will host the iFX EXPO Dubai 2025, the largest online trading event in the world, from January 14-16 at the Dubai World Trade Centre. The event is expected to attract over 7,000 attendees from more than 120 countries, offering an unparalleled platform for traders to learn, network, and explore new opportunities.
With over 130 brokers and fintech firms exhibiting, attendees will gain insights into the latest market trends, trading strategies, and technological advancements through 13+ hours of expert-led sessions, panel discussions, and Q&As. Dedicated breakout areas like the Traders Lounge and Traders Arena will provide tailored networking spaces, fostering collaboration among industry leaders and trading enthusiasts.
The expo is a must-attend event for traders aiming to sharpen their skills, discover innovative tools, and connect with global professionals. Early registration is highly recommended to secure a spot at this game-changing event.
As Dubai continues to lead the online trading revolution in MENA, its role as a global financial hub is only set to grow, cementing its position as a key destination for traders worldwide.
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The UAE visa amnesty program offers a pathway for individuals with expired visas to rectify their legal status or leave the country without penalties. The initiative, which was extended until December 31, 2024, aims to assist overstayers while promoting compliance with the country’s residency laws.
The amnesty program is a government initiative designed to allow individuals residing in the UAE on expired visas to either legalize their stay or leave the country without incurring fines. The program provides options for changing residency status or obtaining exit permits for those choosing to leave. It also offers humanitarian support, including assistance with documentation and, in some cases, financial aid for repatriation.
The program primarily targets individuals and families who have overstayed their visas, including:
Expired Visit Visa Holders: Those whose visit visas have lapsed and have remained in the country beyond their permitted duration.
Residency Visa Holders: Individuals whose residency visas have expired and have not been renewed.
Dependent Families: Parents with children who lack proper documentation can apply to rectify their family’s residency status, ensuring access to essential services like healthcare and education.
Applicants who qualify for the amnesty can change their residency status, secure employment, or leave the UAE with overstay fines waived.
The amnesty program excludes certain categories of individuals, including:
Criminal Offenders: Individuals involved in criminal cases or those with pending legal charges or court cases.
National Security Concerns: Persons flagged as security threats are not eligible.
Non-Compliant Applicants: Those who fail to provide the required documentation or intentionally misuse the program.
These exclusions ensure that the amnesty remains focused on individuals with genuine residency or visa overstay issues.
Amnesty applications can be submitted at designated centers across the UAE:
Abu Dhabi: ICP centers in Al Dhafra, Sweihan, Al Maqam, and Al Shahamah, as well as recognized private typing centers.
Dubai: Amer service centers and the immigration violators’ center in Al Awir.
Other Emirates: ICP centers and authorized typing centers.
Prepare Documentation: Gather necessary documents, such as passports, visa copies, and other supporting paperwork.
Visit the Centers: Go to the nearest application center. Typing centers can assist in completing forms and submitting applications.
Processing: Applications typically take at least 48 hours to process.
Finalize Status: Applicants can either update their visa status or arrange for exit permits and travel.
The amnesty program concludes on December 31, 2024. Applications submitted after this date will not be accepted, and overstayers will incur a daily fine of Dh50 ($13.6). There are no planned extensions, so applicants are encouraged to apply early to avoid delays.
This initiative is a unique opportunity for those eligible to resolve their residency issues and secure a lawful status, offering a fresh start for many individuals and families in the UAE.
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Residents and businesses in Dubai Silicon Oasis (DSO) are set to experience a new era of convenience with the launch of the UAE’s first commercial drone delivery service. Whether it’s food, medicines, or other essential items, deliveries will now take to the skies with this innovative service.
The system, launched by Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai, Deputy Prime Minister, Minister of Defence of the UAE, and Chairman of the Dubai Future Foundation (DFF), represents the Middle East’s first drone delivery network of its kind.
Dubai Silicon Oasis, a hub for knowledge and innovation under the Dubai Integrated Economic Zones Authority (DIEZ), has been chosen as the launch site for this groundbreaking initiative.
The launch event was attended by Sheikh Ahmed bin Saeed Al Maktoum, President of the Dubai Civil Aviation Authority, Chairman of Dubai Airports, and Chairman and CEO of Emirates Airline and Group. Sheikh Hamdan himself placed the inaugural order using the drone system at the Rochester Institute of Technology-Dubai (RIT-Dubai), a key landing point within the DSO network. The delivery, made from a designated take-off point, was successfully completed, marking a historic moment for the region.
The service is spearheaded by Keeta Drone, a subsidiary of Chinese tech giant Meituan. The company has secured the first-ever commercial license in the UAE for 'Beyond Visual Line of Sight' (BVLOS) drone operations, issued by the Dubai Civil Aviation Authority. This certification allows drones to operate beyond the operator's immediate visual range, significantly enhancing delivery capabilities.
Keeta Drone will operate across four predefined routes within DSO, covering locations such as RIT-Dubai and Dubai Digital Park. These routes will be powered by the M-Drone Gen 3, a six-rotor drone equipped with advanced hardware and a proprietary intelligent dispatch system. The drones, capable of carrying up to 2.3 kilograms, are designed to offer safe, efficient, and reliable logistics solutions tailored to urban environments.
“Dubai’s demand for on-demand delivery services, coupled with operational challenges such as extreme weather, highlights the potential of drone delivery to enhance efficiency and reliability,” said Dr. Yinian Mao, Vice President of Meituan and President of Keeta Drone.
With its track record in China, where it operates 53 routes in cities like Beijing, Shenzhen, and Shanghai, Keeta Drone has already completed over 400,000 deliveries. It offers a wide range of products, from food to daily essentials, across various locations, including offices, residential areas, parks, and tourist spots.
The introduction of drone delivery in Dubai Silicon Oasis represents a significant leap in urban logistics, aligning with Dubai's vision of becoming a global innovation hub. By integrating cutting-edge technology with urban infrastructure, the service is set to redefine customer experiences and boost industry resilience.
This initiative not only enhances Dubai's logistics capabilities but also positions the city as a leader in leveraging emerging technologies for sustainable and efficient urban living. With its promising start, the future of drone deliveries in the UAE looks poised for rapid growth.
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Car dealerships in the UAE are pulling out all stops with 0% financing for up to 5 years as they aim to close 2024 on a high and encourage buyers to make decisions without delay. With lending rates easing after two years of increases, both dealerships and banks are stepping up with aggressive promotions to drive new car sales.
Major banks are now partnering with dealerships to push specific brands with enticing financing options. A leading UAE bank recently launched an offer of ‘auto loans at 0% interest for 5 years’, available on most models of a popular European car brand. With payments deferred until early 2025, it’s being positioned as the ideal time for consumers to act.
Following the US Federal Reserve’s rate cuts, the UAE Central Bank mirrored the changes to maintain the dollar-dirham peg. This reduction in lending rates is translating into better deals for car buyers, giving an added push to end-of-year sales.
According to industry insiders, demand for new cars has picked up notably since mid-November. A senior official at a leading dealership stated:
“This December could be the strongest for car sales in four years. Supply issues in 2021 and 2022 caused delays, but now buyers are receiving near-instant deliveries for most models.”
The ‘0% financing for 5 years’ promotion has become a recurring theme, capturing attention across UAE showrooms.
While the offer sounds compelling, experts note that such financing options often come with specific conditions:
Down Payment: A mandatory 20% down payment is required as per UAE Central Bank regulations.
Loan Tenure: Loan terms are typically limited to 3-5 years, unlike standard car loans which can stretch up to 7 years.
Eligibility: Buyers may need to meet certain criteria, such as a minimum salary of Dh5,000 or a salary transfer to the lender.
Processing Fees: Some banks waive loan processing charges, but fees may vary across institutions.
Sebastian Fuchs, Managing Director of AutoData Middle East, explains:
“These offers are targeted at select models from leading brands such as Toyota, Audi, and Volkswagen. Buyers should carefully review terms to ensure the financing aligns with their budget.”
Average financing rates for new cars in the UAE currently range from 1.84% to 5%, with electric and hybrid vehicles offered at discounted rates as low as 1.84%. Used car financing remains higher, at 2%-7%. Since the US Fed’s rate cuts, UAE auto lending rates have decreased by approximately 0.5%, making financing more attractive for buyers.
To further entice customers, dealerships are also offering free multi-year insurance—a move aimed at countering recent hikes in motor insurance costs. Renewal premiums for car insurance have seen 10-12% increases across the board, even for drivers with a clean claims history.
For buyers, the combination of 0% financing and free insurance helps control overall ownership costs at a time when car prices have also risen. A Dubai resident, C.V., shared his experience:
“I’ve been comparing budget brands for two months. A dealership for a leading Chinese brand offered me in-house financing at 0% for 2 years, which is very tempting.”
Car dealerships are optimistic that these promotions will counter the slowdown seen earlier in 2024, largely caused by rising car prices and higher insurance costs. Industry leaders expect a strong close to 2024 and a positive start to Q1 2025, driven by new model launches and competitive financing options.
“The response to these offers has been encouraging, and we’re hopeful the easing financing rates will translate to higher consumer spending in 2025,” a dealer stated.
Car rental companies are also witnessing a surge in demand as the holiday season approaches. According to SelfDrive Mobility, a leading car subscription platform, rental volumes are projected to increase by 30%, driven by GCC tourists and Western expatriates. SUVs and sedans are the most popular choices, particularly among families.
With competitive 0% financing, instant car deliveries, and free multi-year insurance options, the UAE’s car market is primed for growth in the coming year. Coupled with falling lending rates, these deals could provide the much-needed boost the auto sector has been waiting for.
For potential buyers, the year-end promotions offer a rare opportunity to secure a new car with manageable costs, making this December an ideal time to drive home a deal.
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Dreaming of freelancing in Dubai? Now you can make it a reality in as little as three working days. Expo City Dubai (ECD) is offering a freelancer permit, processed by the Expo City Dubai Authority (ECDA), with a range of over 90 professional activities to choose from, making it an attractive option for professionals looking to start their independent journey.
Freelancers can apply for:
A one-year permit with a new employment visa for Dh9,000 per year.
A two-year permit for Dh16,000.
Access to over 90 professional categories, including social media marketing, fashion design, choreography, and makeup artistry.
Register Your Interest
Contact the Expo City Dubai Authority (ECDA) by emailing CRC@expocitydubai.ae or visiting the Client Relations Centre on Level 2 of the Women’s Pavilion in the Sustainability District at Expo City Dubai.
Download and Submit the Application Form
Visit the ECD website: Expo City Dubai.
Scroll to the ‘Individuals’ category and download the Freelancer Permit Application Form.
Complete the form and submit it via the ECDA portal along with the required documents.
Make Payment
Pay the Dh7,000 application fee, which includes a non-refundable Dh500 application fee. Applications will not be processed until payment is complete.
Review Process
ECDA will review your application. Additional documents, such as a work portfolio, may be requested.
Once approved, you will receive:
Freelance Permit
ECD Identification Card
Invoice for payment of the company card (establishment card) and UAE residence visa, if applicable.
Obtain the Company Card
The ECD company card includes a serial number, the freelancer’s name, expiry date, and one visa quota.
The company card is only required if the freelancer needs a UAE residence visa. UAE citizens and self-sponsored individuals do not need this step.
Freelance permit: 3 working days.
Permit with residence visa: Up to 5 working days.
While Expo City Dubai provides a wide range of business activities, other freelance permits are available through the economic departments of each emirate or free zone authorities. Experts recommend choosing a jurisdiction that aligns with your industry for optimal opportunities.
Freelancing in Dubai has never been easier—whether you’re a content creator, designer, or entrepreneur, this streamlined process offers a quick start to your career.
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Dubai has streamlined the application, renewal, and cancellation process for domestic worker residence visas by introducing an all-in-one digital service through the Dubai Now app. The initiative significantly reduces paperwork, costs, and time, offering residents a faster and more convenient solution.
The Dubai Now app is now the exclusive channel for domestic worker visa services, replacing multiple service centres and cutting the steps required to complete transactions. Developed by the Ministry of Human Resources and Emiratisation (Mohre) and the General Directorate of Residency and Foreigners Affairs (GDRFA), the initiative aims to simplify the process and enhance efficiency.
Fewer Documents: The number of required documents has been reduced from 10 to just four.
Streamlined Steps: The process now involves only four steps, down from 12.
Time Savings: Processing time has been cut from 30 days to just five.
Cost Reduction: Each transaction now costs Dh400 less.
Fewer Visits: Applicants need to visit service centres only twice instead of eight times.
The process for securing a domestic worker's residency has been simplified as follows:
Access the App: Use the Dubai Now app to access visa services.
Submit Information: Fill out the unified service package form with the domestic worker's details, identity, and passport information.
Sign the Contract: Sign the employment contract electronically within the app.
Medical Examination: The worker undergoes a medical exam, with results sent directly to the app.
Receive Documents: The worker’s ID and residency permits are issued digitally.
This rollout is the third phase of Mohre’s Work Bundle project, which aims to unify and digitize employment and residence services. The first phase was launched in Dubai in March and later extended to all seven emirates. The second phase streamlined processes for over 600,000 companies and seven million workers.
Dubai’s leadership continues to innovate by enhancing governmental processes, making them more accessible, efficient, and cost-effective for residents. This new system underscores the city’s commitment to leveraging technology for public convenience.
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The UAE Cyber Security Council has issued a list of five critical signs that may indicate a child is being targeted by cyberbullying. This initiative aims to raise awareness and equip parents with the tools to recognize and address online threats effectively.
Encourage Open Communication: Talk openly with children and reassure them that it’s safe to share their concerns.
Monitor Device Usage: Gently ask if anything online is troubling them and remind them they have support.
Build Confidence: Reinforce their self-worth by emphasizing that negative online behavior does not define them.
The Council has launched a comprehensive awareness campaign on combating cyberbullying, encouraging parents and children to adopt the "Stop, Block, Report" strategy. Victims are advised to immediately halt interactions with bullies, block them on all platforms, and report the incidents to relevant authorities.
This proactive approach by the Cyber Security Council aligns with the UAE's broader commitment to safeguarding children from online risks and fostering a safer digital environment.
In the UAE, employers are allowed to grant loans to their employees, but charging interest on such loans is strictly prohibited under the Labour Law. Article 25 specifies that no amount can be deducted from an employee’s wage except in certain cases, such as recovering loans granted to the employee. This recovery must comply with the maximum monthly deduction limits, require the employee’s written consent, and must not involve any interest.
An erring employee is one who violates workplace rules, fails to fulfill job responsibilities, or engages in misconduct that breaches the company’s policies. Employers have the right to take disciplinary action against such employees in accordance with Article 39 of the Labour Law.
The following measures can be imposed on employees who commit violations:
Issuing a written caution to address minor misconduct.
Providing a formal written warning for more serious offenses.
Deducting up to five days' wages in a single month as a penalty.
Suspending the employee for up to 14 days without pay.
Withholding periodic raises for up to one year in organizations offering such increments.
Denying promotions for up to two years in workplaces with a promotion system.
Terminating employment while preserving the employee’s right to end-of-service gratuity.
Employers are not required to notify the Ministry of Labour when imposing penalties, as these actions are governed by the company’s internal policies. However, employers must create a schedule of penalties that aligns with Article 39 of the Labour Law and clearly outlines disciplinary measures.
Employees retain the right to challenge any penalties imposed by filing a labour complaint or submitting a grievance to the company’s management. This ensures a fair process and balances the interests of both employers and employees.
By adhering to these regulations, companies in the UAE can maintain a disciplined and legally compliant work environment while safeguarding employee rights.
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The Ministry of Human Resources and Emiratisation (MOHRE) has outlined specific obligations for private sector employers in the UAE, aiming to protect workers’ rights and ensure fair treatment. These guidelines are crucial for fostering a balanced and professional work environment, compliant with the country’s labour laws.
Employer Obligations Under MOHRE
Private sector employers must adhere to the following regulations:
Worker Records and Files:
Employers are required to maintain accurate records of their workers, following MOHRE’s guidelines. These records must be retained for at least two years after the worker’s employment ends.
Official Documents:
Employers must not confiscate workers' official documents or force them to leave the country upon the termination of their employment.
Workplace Regulations:
Establish clear work policies, including instructions, penalties, and rewards, in accordance with the law.
Housing Provisions:
Employers must provide suitable, licensed housing for workers or pay a housing allowance as part of the worker's wage.
Skill Development:
Invest in training and development programs to empower workers and enhance their skills.
Health and Safety:
Provide a safe work environment by implementing measures to prevent occupational injuries and diseases. Employers must also offer training to avoid risks and conduct regular assessments to ensure compliance with health and safety standards.
Worker Awareness:
Ensure workers are aware of their rights and responsibilities through appropriate tools and methods tailored to their job roles.
Medical Care:
Cover the costs of workers’ medical care as per the country’s legislation.
Insurance and Guarantees:
Bear expenses for insurance, subscriptions, and guarantees mandated by law.
Work Authorization:
Do not allow workers to engage in employment for others unless it complies with the Labour Law.
Experience Certificate:
Provide a free experience certificate upon request when the employment contract ends. The certificate must include employment dates, job role, last wage, and reason for termination without harming the worker’s reputation or future job opportunities.
Repatriation Expenses:
Cover the cost of the worker’s return to their place of recruitment or any agreed location unless the worker joins another employer or the termination is due to the worker's fault, in which case the worker bears these expenses.
Safe Work Environment:
Maintain a workplace that is safe and conducive to productivity.
Job Contracts and Offers
Before an employment relationship begins, the employer must issue a job offer to the worker using the MOHRE-approved contract form. The employment contract must match the job offer in terms of terms and benefits.
Additional Provisions:
Employers may include additional benefits in the contract beyond those in the job offer, provided they comply with the Labour Law.
Appendices can be added to the contract as long as they align with labour regulations and ministerial decisions.
Verification of Job Offers:
MOHRE-approved job offers forms feature a barcode for authenticity verification. Workers can confirm the legitimacy of these forms through MOHRE’s call centre at 600590000, its official website, or the smart application.
Conclusion
MOHRE’s comprehensive employment guidelines emphasize the UAE’s commitment to protecting workers’ rights while fostering a professional work culture. Employers must diligently adhere to these regulations, ensuring fair treatment and compliance with the Labour Law. By following these obligations, private companies contribute to a balanced and thriving workforce in the UAE.
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As the winter season ushers in cooler temperatures, residents across the UAE are embracing the outdoors with barbecues and picnics in parks, beaches, and natural areas. While these gatherings provide a perfect way to enjoy the weather, adhering to the barbecue regulations in the UAE is essential to avoid hefty fines and ensure a safe, enjoyable experience for all.
The UAE’s commitment to preserving public spaces and the environment is reflected in its stringent rules on barbecuing. Municipalities across the emirates have implemented clear guidelines to maintain cleanliness, protect local wildlife, and ensure public safety.
Public parks and recreational areas across the UAE offer designated barbecue zones equipped with proper facilities. Barbecuing outside these designated areas is prohibited and can result in fines.
Fine for Barbecuing in Non-Designated Areas: Violating this rule could cost you Dh500, emphasizing the importance of planning your gathering in authorized spaces.
By using the designated zones, families can enjoy their outings while ensuring they do not disrupt the environment or inconvenience other park-goers.
Maintaining the cleanliness of public spaces is a shared responsibility. Strict penalties are imposed for improper waste disposal, which can harm the environment and disrupt the aesthetic beauty of parks and beaches.
Littering in Public Spaces: Offenders face a Dh500 fine for leaving trash behind.
Improper Disposal of Waste: In Dubai, fines can escalate to Dh1,000, as per Executive Council Resolution No. (14) of 2015, if waste is not disposed of in designated areas.
Charcoal ash is a significant environmental hazard when not disposed of properly. The correct way to handle charcoal waste includes cooling it with water, sealing it in a trash bag, and disposing of it in the appropriate bins.
Sharjah and other emirates have additional regulations for nature reserves and protected zones. These areas are safeguarded to preserve fragile ecosystems and wildlife habitats.
Fine for Violations in Protected Areas: Unauthorized camping or barbecuing in these areas carries fines of up to Dh5,000, enforced by authorities like the Environment and Protected Areas Authority (EPAA) in Sharjah.
To ensure a safe and enjoyable barbecue experience, follow these key guidelines:
The UAE’s strict barbecue regulations reflect its commitment to creating sustainable public spaces that everyone can enjoy. By adhering to these rules, residents not only avoid fines but also contribute to the preservation of the environment and the shared enjoyment of parks and natural areas.
As you plan your next barbecue outing, keep these guidelines in mind to ensure a safe, compliant, and memorable experience for your family and friends. Together, we can maintain the UAE’s reputation for clean and well-managed public spaces.
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The UAE will implement a 15% minimum effective tax rate on multinational enterprises (MNEs) starting from January 1, 2025. This initiative, known as the Domestic Minimum Top-Up Tax (DMTT), targets MNEs with consolidated global revenues of €750 million (approximately Dh3 billion) or more in at least two of the four financial years preceding the financial year in which the tax applies.
Announced by the Ministry of Finance, the DMTT aims to create a fair and transparent tax framework consistent with international guidelines, specifically the OECD's Two-Pillar Solution. This measure underscores the UAE's commitment to maintaining a business-friendly environment while enhancing economic competitiveness and ease of doing business.
To promote sustainable growth, the Ministry of Finance is considering additional corporate tax incentives under Federal Decree-Law No. 47 of 2022.
R&D Tax Incentive: Expected to launch for tax periods starting January 1, 2026, this incentive will support research and development (R&D) within the UAE. Offering a potential 30–50% tax credit, it will be refundable based on revenue and employee numbers. Qualifying R&D activities must adhere to OECD Frascati Manual guidelines and be conducted locally.
Tax Credit for High-Value Employment Activities: Effective January 2, 2025, this refundable tax credit will encourage businesses to engage in high-value employment roles that significantly benefit the UAE’s economy. The incentive will apply as a percentage of eligible salaries for senior personnel such as C-suite executives performing core business functions.
The final structure of these incentives will depend on legislative approvals, with further details expected to be released by the Ministry of Finance.
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Bitcoin investors in the UAE stand to gain as cryptocurrency market predictions indicate a significant surge, particularly under the anticipated Trump administration in the US. Experts at the Bitcoin MENA conference in Abu Dhabi outlined how Bitcoin’s rising value, projected to reach $13 million from its current $100,000, could transform wealth generation. However, alongside financial optimism, discussions also revealed the potential implications for employment in a rapidly evolving technological landscape.
Held in Abu Dhabi, the conference brought global leaders together to discuss Bitcoin's opportunities and challenges in the MENA region. The event highlighted how advancements in cryptocurrency, blockchain technology, and artificial intelligence (AI) could reshape industries, particularly financial systems. Predictions suggest Bitcoin’s applications will extend far beyond traditional transactions, integrating into payments, collateral, lending, and borrowing. This expansion signals the advent of new financial products and services.
A key focus of the conference was the synergy between Bitcoin and AI. For the first time, AI agents have demonstrated the ability to negotiate contracts and make payments in Bitcoin autonomously. While this represents a significant technological breakthrough, it also raises concerns about the future of human involvement in such processes.
The automation of financial operations and the increasing use of AI-driven solutions could reduce the demand for certain human roles, particularly in sectors such as banking, legal services, and contract management. With AI agents capable of handling complex tasks, businesses may prioritize efficiency and cost reduction over traditional employment.
Despite potential job displacement, experts at the event emphasized the need for a skilled workforce capable of managing and innovating within this new paradigm. Blockchain technology, cryptocurrency regulations, and AI development require expertise, creating opportunities for specialized roles. Countries like the UAE, recognized as a leader in Bitcoin regulation, are well-positioned to train a workforce that can thrive in this changing environment.
Additionally, industries surrounding Bitcoin, such as cybersecurity, data analysis, and digital asset management, are expected to grow, offering new career paths. Governments and educational institutions must prioritize upskilling initiatives to prepare for this transition, ensuring that workers can adapt to the demands of an increasingly digital economy.
The UAE’s proactive approach to cryptocurrency regulation and blockchain innovation places it at the forefront of this technological shift. By aligning its policies with global trends, particularly those led by the US, the UAE has an opportunity to shape the future of employment in the cryptocurrency and AI sectors. Collaborative efforts between governments, businesses, and educational institutions will be crucial to balance technological progress with job creation.
While the rise of Bitcoin and AI presents exciting opportunities for investors, it also signals the need to rethink employment strategies. As technology continues to redefine industries, the challenge lies in ensuring that innovation leads to sustainable growth and inclusive job opportunities.
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The UAE has announced a government reshuffle under the directives of President His Highness Sheikh Mohamed bin Zayed Al Nahyan, introducing the Ministry of Family to strengthen social cohesion and elevate family welfare. Vice President and Prime Minister His Highness Sheikh Mohammed bin Rashid Al Maktoum revealed the reshuffle on Sunday, emphasizing family as a cornerstone of national progress.
Her Excellency Sana bint Mohammad Suhail, a distinguished leader in early childhood development and family welfare, was appointed as the Minister of Family. She brings decades of experience, including roles such as Director General of the Abu Dhabi Early Childhood Authority and Undersecretary at the Ministry of Community Development.
The new ministry will focus on:
Family cohesion and support: Developing policies and initiatives to strengthen family bonds and promote positive values.
Marriage and child welfare: Offering programs to prepare and support couples, enhance work-life balance, and protect against family violence.
Boosting fertility rates: Proposing strategies to increase fertility rates among Emirati families while reducing risks of family breakdown.
Empowering vulnerable groups: Designing initiatives for senior citizens, people of determination, and victims of abuse.
Early childhood development: Implementing programs to support children’s social, psychological, and educational growth.
Additionally, the ministry will manage family care programs for children in need of alternative families and oversee the social care sector by licensing institutions and training professionals.
The reshuffle also upgraded the Ministry of Community Development to the Ministry of Community Empowerment, led by Her Excellency Shamma bint Suhail Al Mazrui. The new ministry will pioneer community empowerment models, focusing on:
Integrated social support systems: Providing tailored pathways for low-income families to achieve financial independence.
Third-sector regulation: Licensing and overseeing non-profit organizations and fostering volunteering initiatives.
Economic and social integration: Empowering individuals through skill development, training, and employment opportunities aligned with their readiness.
The government has introduced a unified vision linking family empowerment, education, and human development under the Education, Human Development, and Community Development Council. This initiative ensures a comprehensive approach to nurturing individuals from birth through their contributions to society.
Sheikh Mohammed stated:
"Families form the solid nucleus of our society, and their strength ensures the cohesion of our communities. Through shared responsibility, we aim to lay the foundation for family stability and drive remarkable progress in the social sector."
Current programs from the Ministry of Community Development will remain in place during a transitional phase. Both new ministries will gradually assume their full responsibilities in the coming year, ensuring beneficiaries are informed of updates through official channels.
This historic reshuffle underscores the UAE's commitment to fostering family stability, community empowerment, and social progress.
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Medical law in the UAE and the Gulf Cooperation Council (GCC) region serves as a cornerstone for ensuring high-quality healthcare services. These regulations cover everything from patient rights and healthcare facility standards to the approval and distribution of pharmaceutical products and medical devices. With stringent rules in place, these frameworks are designed to safeguard public health and align with international best practices.
The UAE has a robust legislative framework underpinned by a commitment to public health and safety. This framework, guided by entities like the Ministry of Health and Prevention (MOHAP), ensures compliance with global standards. Patients are protected through laws that regulate health facilities, medicines, and medical personnel, ensuring high-quality service delivery.
Similarly, GCC countries like Saudi Arabia, Oman, and Bahrain have developed their own healthcare regulations to promote patient safety and address the growing complexity of healthcare delivery. These laws harmonize regional healthcare policies and align with global benchmarks.
The UAE has a structured registration process for new pharmaceutical products to ensure safety, efficacy, and quality. The process includes:
In the GCC, pharmaceutical companies can also utilize the Central Drug Registration (GCC-DR) system, which allows for a unified application across member states. This system simplifies the approval process and grants access to the regional market, fostering efficiency and reducing redundancies.
Data Exclusivity: Many GCC countries, including the UAE, enforce data exclusivity provisions to protect proprietary pharmaceutical data.
Patent Protections: Applicants must ensure that their product does not infringe on any active patents before applying for approval.
Local Representation: International companies must partner with a local agent or licensed warehouse for registration and distribution.
Navigating the regulatory landscape in the UAE and GCC requires strict adherence to legal and procedural requirements. The structured processes ensure that medicines introduced to the market meet the highest standards of safety and efficacy, ultimately protecting public health. By understanding these requirements, pharmaceutical companies can successfully bring new innovations to the region, contributing to the advancement of healthcare in the GCC.
The process of hiring a domestic worker, such as a maid or nanny, in the UAE has been simplified and streamlined by the Ministry of Human Resources and Emiratisation (MOHRE). To ensure compliance with the UAE’s Domestic Labour Law, all applications must be processed through government-approved Tadbeer centres. Here’s a complete guide to help you navigate the application process, including costs, requirements, and documentation.
The UAE’s Domestic Labour Law ensures that domestic workers are fully informed about the terms of their employment. This includes:
Nature of their work
Salary details.
Days off and leave policies.
Terms of the employment contract.
This law protects both employers and employees by fostering transparency and accountability in domestic labor agreements.
Before applying, ensure you meet the eligibility criteria:
1. Visit a Tadbeer Centre
Tadbeer centres are government-approved facilities that handle the hiring and visa application process for domestic workers. They ensure compliance with UAE laws and manage all documentation.
2. Select a Service Package
Tadbeer centres offer different packages for hiring domestic workers:
Direct Sponsorship Model: The worker is directly sponsored by the family.
Agency Sponsorship Model: The worker remains under the sponsorship of the Tadbeer agency.
Choose the package that best suits your needs.
3. Submit Required Documents
You’ll need to provide the following documents:
Sponsor’s Emirates ID (original and copy).
Sponsor’s passport copy with a valid residency visa.
Worker’s passport copy.
Worker’s photograph (passport-sized).
Proof of accommodation for the worker (e.g., tenancy contract).
A salary certificate or bank statement proving the income requirement.
4. Sign the Employment Contract
An employment contract must be signed by both parties. The contract outlines:
Salary and benefits.
Weekly rest days.
Annual leave and other entitlements.
5. Medical Fitness Test
The domestic worker must undergo a medical fitness test at an approved health center. The test ensures the worker is fit to perform their duties and free from communicable diseases.
6. Apply for Residency Visa
Once the medical test is cleared, Tadbeer will process the worker’s residency visa. This includes:
Medical insurance registration.
Emirates ID application.
7. Complete the Immigration Process
The worker’s residency visa will be stamped on their passport after completing all formalities.
The cost of applying for a domestic worker’s visa varies depending on the service package and the worker’s nationality. Key expenses include:
Visa application fees: AED 5,000–7,000.
Medical fitness test: AED 250–500.
Insurance: AED 700–900 annually.
Tadbeer service fees: AED 5,000–15,000, depending on the package chosen.
Legal Compliance: All processes adhere to UAE laws and regulations.
Convenience: Tadbeer handles all paperwork, reducing administrative hassle.
Transparency: Clear contracts ensure both parties understand their responsibilities.
Hiring a maid or nanny in the UAE is a straightforward process when handled through Tadbeer centres. These facilities ensure that all legal, medical, and employment requirements are met, protecting the rights of both employers and domestic workers. By following the outlined steps and complying with the Domestic Labour Law, families can secure reliable assistance at home while upholding ethical employment practices.
For further information, visit the nearest Tadbeer centre or consult MOHRE's official website.
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Planning an event in Abu Dhabi? Whether it's a business seminar, a sports fundraiser, or a cultural festival, securing an event license is essential. The Department of Culture and Tourism (DCT) mandates licenses for various event categories to ensure compliance with local guidelines. Here’s an overview of the process, requirements, and fees involved in obtaining an event license.
Conferences, seminars, and lectures
Trade fairs and consumer exhibitions
Competitions and activity days
Charity sports fundraisers
Indoor and outdoor sports events
Religious ceremonies and lectures
Fundraising events and charity bazaars
Musical performances and fashion shows
Gaming events and cultural activities
Arts and crafts festivals
Social gatherings and cooking festivals
If you're unsure whether your event needs a license, the TAMM platform can guide you through the "Find an Event License" service, which also estimates costs and required permits.
After identifying licensing needs, TAMM’s “Find an Event Venue” service provides venue details, including rentable space, facilities, capacity, and location. You can contact venues directly through the platform to finalize arrangements.
To apply for an event license, the following documents must be submitted:
Event agenda and letter with event details
Passport or Emirates ID for UAE residents
Emirates ID or passport copy for diplomatic cardholders
Recent personal photo
Contract or No-Objection Certificate (NOC) between the organizer and venue owner
Self-introductory form (for GCC and foreign citizens)
Temporary entry permits (for visitors)
Relevant approvals from other authorities
Undertaking letter adhering to DCT guidelines (if serving alcohol)
Passport copy and recent photo (for UAE residents)
Passport copy, UAE visa, and recent photo (for visitors on mission or visit visas)
Specific permits are required for entertainers, with additional documents and fees.
Application Fee: AED 200
Speaker Fee: AED 50 (after security approval)
Entertainer Fee: AED 500
Ticket Fee: 10% of the event ticket revenue (if applicable)
Additional charges include:
AED 500 for late permit submissions or modifications made less than three working days before the event.
Special permits are required for speakers and entertainers.
Events serving alcohol must have a specific permit if the venue lacks a license.
Nightclub and bar participants must be over 21 years old.
Complimentary tickets must follow DCT ticketing guidelines.
Final Steps
The licensing process ensures your event aligns with Abu Dhabi's legal and cultural framework. By using the TAMM platform, organizers can simplify the procedure, find suitable venues, and access clear cost breakdowns, allowing for smooth event execution.
Organizing an event in Abu Dhabi is now streamlined, offering convenience while ensuring full compliance with regulations.
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For many expatriates in the UAE, exchange houses serve as a crucial financial lifeline, especially for those who may not have a UAE bank account or prefer cash transactions. While these establishments are widely known for their affordable remittance services, they offer much more than just sending money overseas. From paying utility bills to booking flight tickets, exchange houses provide a wide range of essential services that simplify daily transactions for residents. Here’s a closer look at what they offer.
One of the most convenient services provided by exchange houses is the ability to pay your utility bills. This includes payments for:
For residents who primarily use cash, this service ensures that they can easily stay on top of their bills without the need for a bank account.
Planning your next trip? Many exchange houses offer flight booking services in partnership with airlines and travel agencies. You can book tickets directly at the exchange house, making it a one-stop shop for travel-related needs.
While exchange houses are renowned for sending money abroad, they also provide value-added features such as same-day transfers, competitive exchange rates, and diverse remittance options, including bank transfers and instant cash pickups.
With the UAE mandating the Unemployment Insurance Scheme (Involuntary Loss of Employment or ILOE), exchange houses have stepped in to make the subscription process simpler for expatriates. You can visit an exchange house to subscribe to ILOE and ensure compliance with this requirement. Additionally, they often accept payments for other types of insurance.
Exchange houses also act as facilitators for various government services. You can pay for:
These services make it easier for individuals without online payment options to complete essential tasks.
For those who use prepaid cards for shopping or travel, many exchange houses offer card top-up services. This allows you to add funds to your card quickly and efficiently, helping you manage your finances without needing a credit card or bank account.
Exchange houses also facilitate payments for:
These services add convenience for residents who rely on cash or wish to avoid online transactions.
Conclusion
Exchange houses in the UAE are far more versatile than just handling remittances. They have evolved into comprehensive service hubs that cater to the diverse financial needs of expatriates and residents. Whether you’re paying bills, booking flights, or subscribing to essential schemes like the ILOE, exchange houses offer convenience, affordability, and reliability. Visit your nearest exchange house to explore these services and simplify your financial transactions today.
The UK government is introducing strict measures to address the exploitation of foreign workers, targeting businesses that abuse the sponsorship system or engage in unethical practices. These new laws aim to protect migrant workers while ensuring fair treatment and accountability in the labour market.
Over recent years, the UK has experienced a surge in migration, largely driven by an influx of workers filling job vacancies across various sectors. While this has helped address workforce shortages, concerns have arisen over the mistreatment of migrant workers by some employers who exploit the sponsorship system.
The new laws seek to curb these practices and uphold the UK’s commitment to fair labour standards.
Ban on Offending Employers Hiring Overseas Staff
Companies found guilty of exploiting foreign workers will face a ban on hiring any additional overseas staff. This measure ensures that rogue employers cannot continue to benefit from the system while engaging in unethical practices.
The UK sponsorship system allows businesses to hire workers from overseas by obtaining a sponsorship license. This system helps ensure that migrants are employed in a legitimate and regulated manner. However, some employers have exploited this process by imposing excessive fees or engaging in unfair labour practices.
For Employers:
Compliance Requirements: Businesses will need to adhere to stricter compliance standards, ensuring transparency in their hiring and employment practices.
Penalties for Violations: Companies found violating these laws may face severe penalties, including the suspension or revocation of their sponsorship licenses.
Improved Protections: The laws are designed to provide greater protection for migrant workers, ensuring fair treatment and safeguarding against exploitation.
Cost Transparency: Workers will no longer face hidden fees or unfair costs related to their employment sponsorship.
The UK has seen a significant rise in migration in recent years, with migrant workers playing a vital role in filling job vacancies across industries like healthcare, hospitality, and construction. However, this growth has also highlighted the need for tighter regulations to prevent exploitation and ensure the system benefits both employers and employees.
While the new laws aim to address exploitation, some critics have raised concerns about their potential impact on businesses, particularly small and medium-sized enterprises (SMEs) that rely heavily on migrant workers. There are also questions about the enforcement of these laws and whether sufficient resources will be allocated to monitor compliance effectively.
Conclusion
The UK government’s crackdown on the exploitation of migrant workers represents a significant step towards protecting workers’ rights and maintaining ethical labour practices. By targeting rogue employers and eliminating unfair charges, these measures aim to create a fairer and more transparent employment system. Businesses will need to adapt to these changes, ensuring compliance to avoid penalties and contribute to a more equitable labour market.
For migrant workers, these laws promise greater security and a more dignified work environment in the UK.
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The UAE continues to demonstrate the success of its economic diversification strategy, as corporate earnings for the third quarter of 2024 bucked the wider GCC trend of declining profits. According to Kamco Invest’s GCC Corporate Earnings Report: Q3 2024, the UAE’s listed companies showed robust growth, contrasting sharply with an aggregate decline of 3.3% in profits across GCC exchanges.
This strong performance underscores the resilience of the UAE’s non-oil sectors, even as the energy sector across the GCC faced a significant decline of 18.5% YoY in profits, dropping to $28.5 billion.
Sector Contributions in Dubai
Earnings growth in Dubai was led by the banking, telecom, and real estate sectors, which accounted for 87.7% of aggregate profits on the exchange in Q3 2024. Out of 13 sectors listed on the Dubai Stock Exchange:
For the first nine months of 2024, Dubai’s total net profits rose by 14.8% YoY to $18.0 billion, compared to $15.7 billion during the same period in 2023.
Abu Dhabi’s listed companies saw a 9.3% YoY increase in profits for the first nine months of 2024, totaling $25.2 billion.
Other sectors, including transportation and capital goods, also contributed significantly to earnings growth in Q3 2024.
Across the GCC, declining profits in the real estate and F&B sectors weighed down overall earnings. However, gains in the banking and materials sectors provided some relief:
For the first nine months of 2024, GCC banking profits rose by 10.7% YoY to $44.0 billion. However, the energy sector experienced a 9.8% decline, dropping to $89.1 billion.
Conclusion
The UAE’s corporate performance in Q3 2024 stands as a testament to the effectiveness of its economic diversification efforts, with non-oil sectors driving growth and offsetting regional declines. Key sectors such as banking, real estate, and energy continue to play a pivotal role, positioning the UAE as a resilient and dynamic economy within the GCC.
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A massive Ponzi scheme orchestrated by the Heera Group defrauded thousands of investors across Southeast Asia and the Middle East. Victims are now being encouraged to file claims with India’s Serious Fraud Investigation Office (SFIO) to recover their funds.
Once touted as a thriving conglomerate in gold trading, textiles, and food services, the Heera Group promised high returns through "halal" investment plans. However, investigations revealed the operations to be fraudulent, leaving tens of thousands of investors in financial ruin.
Victims are advised to gather documentation such as bank statements, identity proof, payment receipts, or unit certificates related to their investments and send notarized copies to the SFIO's Telangana office. Recent developments include court-mandated liquidation of the group’s properties and directives for the managing director to deposit significant amounts as part of repayment efforts.
The investment schemes, marketed as Heera Gold, Heera Textiles, and Heera Foodex, attracted thousands of participants, including between 50,000 and 100,000 from the Middle East. Many lost their life savings in the fraudulent plans.
Legal experts caution that pursuing civil claims in the UAE can be expensive, with court fees and legal costs posing barriers. Additionally, the group's lack of proper regulatory licenses in the UAE complicates legal proceedings under local laws. Investors are urged to coordinate with Indian authorities through diplomatic and legal channels, as this approach is deemed more cost-effective and offers a higher likelihood of recovery.
India’s Enforcement Directorate has traced billions in illegally collected funds and identified assets worth millions linked to the group. Despite the challenges, filing a claim through the SFIO remains the most practical recovery option for affected investors in the Middle East.
Authorities continue to investigate the Heera Group’s fraudulent activities, emphasizing the importance of swift action by victims to reclaim their investments.
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The Central Bank of the UAE, in partnership with Abu Dhabi Police and Dubai Police, has issued a public alert to raise awareness about six prevalent types of cyber scams. This collaborative effort is aimed at protecting residents from financial fraud and ensuring they stay vigilant against the growing threat of cybercrime.
Authorities have emphasized the importance of identifying red flags in communications from potential fraudsters. Scammers often use poorly written messages with spelling and grammatical errors, a key indicator that the communication is not legitimate. Residents are urged to be cautious and avoid engaging with senders of suspicious messages.
The Six Common Cyber Scams
The UAE authorities have provided several tips to help the public safeguard themselves against cyber scams:
This warning is part of a broader initiative by UAE authorities to combat cybercrime and protect residents from financial losses. The Central Bank and police forces continue to monitor cyber threats and educate the public on the latest scams.
If you suspect you have been targeted by a cyber scam, take the following steps:
The UAE Central Bank and police emphasize that protecting against cybercrime is a shared responsibility. By staying vigilant, adopting safe online practices, and reporting suspicious activities, residents can help combat fraud and contribute to a safer digital environment for all.
The UAE has enacted a federal law to regulate non-profit art institutions, fostering a vibrant creative economy. The law provides significant benefits, including tax incentives, simplified licensing, and opportunities for cultural and artistic growth.
Key Features of the Law
Support for Art Institutions: Art institutions can accept endowments, grants, donations, wills, gifts, and sponsorships under legal guidelines. They also qualify for corporate tax exemptions and customs exemptions for art collections used in exhibitions.
Simplified Licensing: Local authorities or the Ministry of Culture manage streamlined licensing procedures, covering a range of artistic activities like visual and audio arts, performing arts, literature, and music.
Encouraging Private Initiatives: Natural and legal persons can establish private museums, exhibitions, and theatrical performances after obtaining necessary permits.
Promoting Cultural Values
The law promotes public art displays and accessibility, encourages artistic activities that instill values of tolerance and coexistence, and emphasizes the UAE's role as a global hub for the arts.
Regulations and Compliance
Artistic institutions must adhere to licensing requirements and are prohibited from inciting hatred or sectarian, racial, or religious conflicts through their activities.
These initiatives aim to enhance the UAE’s cultural landscape and stimulate its position as a leader in the global creative economy.
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In a decisive move, a Dubai court has ordered the seizure of medical equipment and assets from a healthcare facility to settle unpaid salaries of its employees, including doctors and nurses, and to address significant debts owed to creditors.
Following a site inspection in March by a court-appointed executor, the clinic's assets, including advanced diagnostic tools and essential medical equipment, were catalogued and seized. Notable items confiscated include:
The enforcement action was taken after the facility failed to meet its financial obligations to employees and creditors. The confiscated assets will be used to recover outstanding dues, bringing some relief to staff members who endured months without pay.
While the decision marked the end of operations for the clinic, it provided a long-awaited resolution for affected staff. Employees expressed a mix of emotions:
The court’s action underscores the importance of holding organizations accountable for their financial commitments, ensuring that workers and creditors receive the compensation they are owed.
This move not only sets a precedent for addressing similar disputes but also brings closure to a challenging chapter for the healthcare facility's employees and stakeholders.
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As the year-end approaches, businesses across the UAE find themselves in a familiar frenzy: wrapping up financials, locking in budgets, and strategizing for the coming year. Among these crucial tasks, annual insurance renewals often become a rushed affair. However, a more structured approach to insurance planning can help businesses mitigate risks effectively while optimizing costs.
Most corporate insurance renewals in the UAE take place during the last quarter of the year. Amid the pressure to finalize budgets and address operational priorities, insurance often receives minimal attention, resulting in hasty decisions. This "last-minute" approach can lead to overlooked risks, inadequate coverage, and potentially higher premiums.
According to Suresh Nair, a financial advisor, the insurance landscape in 2025 reflects emerging market trends and new realities, including the unpredictability of weather patterns, increasing cyber threats, and evolving regulatory requirements. These changes underscore the need for businesses to adopt a proactive and comprehensive strategy for their insurance needs.
Conclusion
The end-of-year rush often leaves businesses scrambling to renew insurance policies without fully addressing their evolving risks or exploring cost-saving opportunities. By adopting a proactive approach, UAE businesses can improve their risk coverage, optimize costs, and align policies with current and future needs.
As the 2025 renewal season reflects new market realities, such as unpredictable weather, rising cyber threats, and evolving regulatory demands, businesses that prioritize insurance planning will be better positioned to thrive in the face of uncertainty. With early preparation and expert guidance, insurance renewals can transition from a rushed task to a strategic advantage.
Starting a business in the UAE is a promising venture for entrepreneurs, offering numerous opportunities and a business-friendly environment. However, understanding and planning for taxes is a critical aspect of setting up a successful enterprise. The UAE offers a competitive tax structure tailored to attract investors and entrepreneurs, but compliance and strategic planning are key to maximizing profitability while staying within legal boundaries.
Entrepreneurs are the backbone of any economy, driving innovation, creating jobs, and bringing new ideas to life. While they enjoy the rewards of their ventures, they also shoulder significant risks. Tax planning is an essential component of managing those risks effectively.
According to Masher Suleiman, a tax planning associate in Abu Dhabi, "When creating a new business, one thing is clear. Although an entrepreneur bears most of the risks, they enjoy most of the rewards too. The entrepreneur is seen as an innovator, a source of new ideas, goods, services, and business procedures."
To make the most of the UAE’s tax system, entrepreneurs must familiarize themselves with the regulatory landscape, leverage available exemptions, and ensure compliance from the outset.
Staying compliant with tax laws not only avoids penalties but also enhances your business's credibility with stakeholders, including investors, customers, and regulatory authorities. Moreover, leveraging tax incentives and exemptions can reduce costs and improve profitability, giving entrepreneurs a competitive edge in the market.
The UAE’s tax system is designed to support entrepreneurial ventures while ensuring regulatory compliance. By understanding the tax landscape, leveraging available exemptions, and adhering to reporting requirements, entrepreneurs can minimize tax liabilities and focus on growing their businesses.
Strategic tax planning from the outset ensures not only compliance but also the financial health of the business, helping entrepreneurs turn their ideas into successful ventures in the UAE’s dynamic market.
After the UAE canceled the EmSAT entrance exam earlier this month, the Ministry of Higher Education and Scientific Research has granted universities greater autonomy to define their admission criteria. Universities can now develop their own guidelines while aligning with national educational objectives to maintain quality outcomes.
This shift aims to prioritize subject-specific achievements over overall grade averages, ensuring students are assessed based on their strengths in fields related to their chosen majors. Ahmad Ibrahim Alsaadi, Acting Assistant Undersecretary for Higher Education Operations, emphasized, “Universities understand their students best. This flexibility allows them to tailor admission processes to suit academic and industry needs.”
With the removal of EmSAT as a mandatory requirement, universities have introduced alternative evaluation methods. For instance, Dr. Yousef M. Al Assaf, President of Rochester Institute of Technology Dubai, stated that their admission process will continue using placement tests in subjects like Physics, Math, and English, alongside IELTS or TOEFL for English proficiency. Similarly, Nahid Afshan, Head of Admissions at BITS Pilani Dubai Campus, mentioned that high school performance in relevant subjects will now play a critical role in their criteria.
For STEM programs, students will need strong grades in subjects like Chemistry, Physics, or Biology. This approach ensures that admission decisions are closely tied to a student’s aptitude in their chosen field.
To support students, universities will provide clear and accessible information on admission requirements, including bridge programs and preparatory courses. Students are encouraged to contact institutions directly to explore their eligibility for specific majors.
The revamped NAPO 2.0 system, introduced by the ministry, allows students to submit unlimited applications and track admissions year-round. Covering over 20 universities, the system is set to expand, streamlining the process and enabling students to explore multiple opportunities with ease.
The ministry’s new framework focuses on measuring educational outcomes rather than regulating admissions. Universities are now responsible for setting criteria to meet six key pillars that connect education with workforce readiness:
By focusing on subject-specific performance and providing universities with the tools to create tailored admission processes, the UAE’s new policies aim to enhance the quality of education and align it with global and local job market demands.
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Securing a job in the UAE is a dream for many, but job and visa fraud remain significant risks for those seeking opportunities in the region. Opportunistic individuals often exploit this demand, leading to scams targeting job seekers.
To ensure the authenticity of a job offer in the UAE, it is essential to verify the offer letter issued by the Ministry of Human Resources and Emiratisation (MOHRE). Here’s how you can confirm its legitimacy and protect yourself from fraud:
By taking these steps, you can safeguard yourself from scams and ensure your job offer is genuine. Protect your ambitions by staying informed and vigilant.
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The Emirates ID is more than just a residency card for UAE residents. Embedded with an electronic chip, this card holds encrypted personal data that can be accessed by authorized authorities, making it an indispensable part of daily life in the UAE.
Here are eight significant benefits of the Emirates ID that simplify life for residents:
The Emirates ID is more than just a residency card for UAE residents. Embedded with an electronic chip, this card holds encrypted personal data that can be accessed by authorized authorities, making it an indispensable part of daily life in the UAE.
Here are eight significant benefits of the Emirates ID that simplify life for residents:
UAE residency opens doors to visa-free or visa-on-arrival travel to numerous destinations, granting residents seamless travel experiences to popular global locations.
At select ADNOC petrol stations, residents can link their Emirates ID to an ADNOC wallet and use it to pay for fuel, eliminating the need for credit cards.
Gone are the days of carrying separate health insurance cards. The Emirates ID now includes all necessary information for accessing healthcare services.
Residents can check their visa status online using their Emirates ID via the GDRFA (for Dubai) or ICP (for UAE) portals, ensuring up-to-date visa information at their fingertips
Residents can check their visa status online using their Emirates ID via the GDRFA (for Dubai) or ICP (for UAE) portals, ensuring up-to-date visa information at their fingertips
The Emirates ID provides access to a wide range of government services through online portals, including the Ministry of Human Resources and Emiratisation and the Ministry of Interior.
An Emirates ID is mandatory for applying for a UAE driver's licence, a vital document for residents aiming to drive in the country.
The Emirates ID’s versatility underscores its role as a vital tool for residents, from enhancing travel experiences to simplifying day-to-day activities. With its range of functionalities, this card is a testament to the UAE's commitment to leveraging technology for convenience and efficiency.
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Whether you're a resident or a visitor in the UAE and planning to purchase or consume alcohol, it's important to understand the regulations surrounding alcohol use in the country. The UAE has strict laws regarding the sale, consumption, and possession of alcohol, and it’s crucial to be aware of whether you need an alcohol licence to buy or drink alcohol. In this guide, we break down everything you need to know about alcohol regulations in the UAE, including the requirements for obtaining a licence and the rules for each emirate.
In the UAE, alcohol can only be consumed in licensed establishments or in private settings. The laws are designed to regulate the availability and consumption of alcohol while maintaining public safety and order. It’s essential to note that while alcohol is widely available in certain areas of the country, there are significant differences in alcohol regulations across the various emirates.
In most cases, yes, you will need an alcohol licence if you are a resident and plan to purchase alcohol for private consumption. Visitors, on the other hand, generally do not require an alcohol licence for consumption in licensed venues, such as hotels, bars, or restaurants. However, the situation may vary depending on the emirate you are in.
Here’s a breakdown of alcohol licence requirements and regulations by emirate:
Dubai has liberalized its alcohol regulations, but residents still need an alcohol licence to purchase alcohol for personal use. This applies to non-Muslim residents, who can apply for a personal alcohol licence through one of the designated retail outlets, such as MMI (Maritime and Mercantile International) or AFS (African and Eastern).
The legal drinking age in Dubai is 21 years. This age applies to both consumption and purchase of alcohol, regardless of whether you are in a public or private setting.
In Abu Dhabi, residents can purchase alcohol for personal use with a licence, similar to Dubai. However, there have been recent developments that allow for more flexibility in certain areas, such as reduced restrictions on purchasing alcohol in stores.
The legal drinking age in Abu Dhabi is 18 years for non-Muslim residents.
Sharjah, unlike its neighboring emirates, maintains stricter alcohol laws. Alcohol consumption and possession are prohibited in public in Sharjah, and no alcohol licences are issued. The emirate follows a stricter interpretation of Islamic law, which prohibits the sale or consumption of alcohol within its borders.
Although alcohol is banned, the legal drinking age for areas where alcohol is permitted in the UAE is 18 years.
Ras Al Khaimah is one of the more liberal emirates in terms of alcohol consumption. Visitors to hotels and licensed venues do not require an alcohol licence to consume alcohol. However, residents are still required to obtain an alcohol licence to purchase alcohol for private use.
The minimum legal drinking age in Ras Al Khaimah is 21 years.
Like Ras Al Khaimah, Fujairah has relatively relaxed rules around alcohol. Alcohol is sold in licensed venues, and there are no restrictions for visitors consuming alcohol in these areas. Residents, however, must still hold an alcohol licence to purchase alcohol for personal use.
The legal drinking age in Fujairah is 21 years.
Umm Al-Quwain also offers a more relaxed approach to alcohol consumption, with several hotels and licensed venues offering alcohol to visitors. However, residents must hold a personal alcohol licence to purchase alcohol for private use.
The legal drinking age is 18 years in Umm Al-Quwain.
For residents in emirates like Dubai and Abu Dhabi, applying for an alcohol licence typically involves the following steps:
Understanding the alcohol regulations in the UAE is crucial for both residents and visitors. While most emirates allow alcohol consumption in licensed venues, obtaining an alcohol licence is required for purchasing alcohol for personal use in many areas, particularly for residents. Always ensure you are abiding by local laws and respect cultural sensitivities when consuming alcohol in the UAE. With the right information, you can enjoy alcohol responsibly while avoiding legal issues.
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The Dubai Land Department (DLD) has introduced three essential real estate services on the Dubai Now platform, providing a unified, streamlined experience for users. This move aligns with DLD’s commitment to enhancing service accessibility and flexibility in response to customer needs, allowing easy access on multiple platforms and smart devices.
Through Dubai Now, users can access:
This initiative supports Dubai’s Services 360 policy, focused on delivering seamless, integrated, and customer-centric government services.
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If you’re a subscriber to the UAE’s Involuntary Loss of Employment (ILOE) insurance scheme and have missed the renewal deadline, you may face a Dh400 late renewal fine. Timely payment is essential, as failure to clear the fine could lead to the cancellation of your ILOE subscription.
The Ministry of Human Resources and Emiratisation (MOHRE) records these fines through the ‘ILOE Quick Pay’ portal, which you can use to verify any outstanding penalties and make payments.
Staying updated with your policy renewal is essential to avoid penalties and ensure continued protection under the ILOE scheme.
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Dubai motorists who fail to adhere to lane discipline are now facing strict penalties as part of a crackdown on unsafe driving practices. Dubai Police recently announced that drivers caught violating mandatory lane rules will be fined Dh400, with their vehicles impounded for 14 days. This enforcement falls under Article 86 of the UAE’s Federal Traffic Law of 2017, aiming to enhance road safety and reduce reckless driving.
The police are utilizing smart traffic cameras to detect lane violations, capturing footage of vehicles swerving between lanes or failing to stick to designated lanes. The video released by authorities highlights the risks posed by these violations to both the offending drivers and others on the road.
In a continued effort to promote safety, Dubai Police have also increased penalties for other traffic offenses. For instance, drivers caught using mobile phones while driving, tailgating, or making sudden deviations may face a 30-day vehicle impoundment in addition to fines ranging between Dh400 and Dh1,000, and an assignment of four black points to their driving record.
These measures reflect Dubai’s commitment to upholding road safety standards and discouraging practices that endanger lives.
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An Abu Dhabi resident recently became the target of a Bitcoin scam, leading to the hacking of her Instagram account and subsequent fraud on her followers. The scammers managed to lure her contacts into losing tens of thousands of dirhams by promising substantial returns on fake investments.
It all started when Tamim, a Palestinian Canadian first-aid trainer, received a message from someone impersonating the brother of an old friend. The scammer persuaded her to invest in Bitcoin, asking her to share a code sent to her phone. Upon sharing it, Tamim lost access to her Instagram account, which the hackers then used to send her followers enticing images of golden coins and cash, coupled with messages suggesting large profits.
While Tamim herself avoided monetary loss, several of her followers fell for the trap. Over the next two weeks, the hacker managed to deceive multiple victims, with one follower losing $30,000, thinking it was a genuine invitation to invest. Others from Dubai and Saudi Arabia lost substantial sums, borrowing money from family or using credit cards to make payments, believing they were joining a lucrative opportunity.
After multiple unsuccessful attempts to recover her account through Instagram, Tamim ultimately paid a local IT agent to close it, realizing the extent of the harm being done. She has since opened a new account and is now more cautious, avoiding messages from unknown contacts and refraining from opening suspicious links.
Lt Col Ali Al Nuaimi, Head of Cyber Crime Security at Abu Dhabi Police, emphasized that such incidents often occur through social engineering rather than direct hacking. Scammers trick users into handing over login details, then use these accounts to deceive friends and followers. According to Al Nuaimi, this tactic is a common method for cybercriminals to gain trust and carry out fraudulent activities under a guise of familiarity.
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UAE passport holders who have lost or damaged their passport no longer need to make a personal visit to apply for a replacement. The Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP) has announced a new online process that allows citizens to conveniently apply for passport replacements electronically. Accessible via the ICP website or the UAEICP mobile app, this new system streamlines the process, making it quicker and more accessible.
The ICP has provided UAE nationals with two digital platforms for replacing lost or damaged passports:
Applicants are advised to provide accurate and up-to-date information when completing the application. Any errors in the details submitted could delay the replacement process or lead to complications. Here’s a checklist of the information and documentation generally needed:
The digitalization of passport replacement offers several advantages:
Important Notes
Final Thoughts
With the introduction of an online application process for replacing lost or damaged passports, the UAE’s ICP has made a significant stride toward more accessible and efficient public services. UAE passport holders can now replace their passports with ease, reflecting the nation’s commitment to utilizing digital solutions for enhanced convenience and accessibility.
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With the implementation of the UAE’s new traffic law, Federal Decree-Law No. 14 of 2024 on Traffic Regulation, drivers must now be even more vigilant about road safety and compliance. Scheduled to take effect next year, this law outlines several serious offenses that could result in imprisonment. Article 31 of the decree grants the Traffic Control Authority the power to arrest individuals who commit certain high-risk traffic violations. Here’s a look at the six major traffic crimes that, under the new regulation, could potentially land you behind bars.
Driving under the influence of alcohol is a serious offense that endangers not only the driver but everyone on the road. The new law maintains zero tolerance for drunk driving, and those found guilty of this crime could face immediate arrest and jail time. Authorities are equipped with breathalyzers and other methods to ensure that anyone operating a vehicle is sober and fit to drive.
Reckless driving, characterized by behaviors like excessive speeding, swerving, and ignoring traffic signals, poses a significant threat to public safety. This form of negligent behavior reflects a disregard for the law and the well-being of others on the road. The new traffic law mandates stricter penalties, including the possibility of jail time for those who drive recklessly.
Refusing to comply with instructions from the Traffic Control Authority, such as failing to stop when directed by police or obstructing officers in their duties, is considered a serious offense. Cooperation with traffic authorities is crucial for the smooth regulation of road safety, and under the new law, non-compliance can lead to arrest.
Street racing is illegal and highly dangerous, not only for participants but also for bystanders and other road users. Engaging in unauthorized races demonstrates a blatant disregard for public safety, and the new decree strictly penalizes such actions. Offenders could face jail time if caught engaging in or organizing illegal races.
If a driver’s actions directly result in injuries or harm to other individuals, it’s treated as a serious crime. The UAE’s legal system places a high emphasis on accountability for one’s actions on the road, and causing harm due to traffic violations can lead to severe consequences, including jail time.
Speed limits are set to maintain order and ensure the safety of all road users. Excessive speeding, especially in areas with high pedestrian traffic or low speed limits, is a major violation. When speed becomes excessive to the point where it endangers others, it’s classified as a serious offense under the new traffic law and could result in imprisonment.
The Traffic Control Authority, responsible for overseeing traffic regulation and enforcement, has been granted the authority to arrest drivers who commit any of these offenses. This includes police commands and other regulatory bodies under the Ministry of Interior. With these enhanced enforcement capabilities, authorities aim to reduce accidents and maintain higher safety standards on UAE roads.
The UAE’s new traffic law aims to establish a stronger framework for road safety, emphasizing accountability and deterrence for dangerous driving behaviors. As this law comes into effect, drivers should exercise caution and adhere strictly to traffic regulations to avoid the risk of imprisonment and to ensure safer roads for all.
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With the introduction of Federal Decree-Law No. 14 of 2024, the UAE has intensified its stance on traffic safety by implementing stringent penalties for driving under the influence of alcohol, psychotropic, or narcotic substances. This new law, which will come into effect on March 29, 2025, aims to enhance road safety, reduce traffic accidents, and enforce a zero-tolerance approach to impaired driving. The law mandates substantial fines, imprisonment, and the suspension or cancellation of licenses for violators, reinforcing the UAE's commitment to maintaining strict traffic regulations.
Federal Decree-Law No. 14 of 2024 on Traffic Regulation introduces various penalties tailored to address the gravity of driving under the influence. These measures include:
Individuals caught driving under the influence of alcohol or narcotics face severe consequences, including both imprisonment and significant fines. While specific fine amounts are yet to be disclosed, the hefty penalties are designed to act as a deterrent and emphasize the UAE’s zero-tolerance policy for impaired driving.
One of the most notable aspects of the new law is the strict license-related penalties for repeat offenders. For individuals who repeatedly violate the law, the decree allows for:
The decree also includes provisions that may require offenders to attend mandatory rehabilitation programs. These programs are intended to address substance abuse issues and prevent future offenses by providing individuals with the necessary support and resources to modify their behavior
The law provides for the possible confiscation of the offender’s vehicle. Confiscation periods and terms will be determined by the severity of the offense, with stricter penalties applied to cases involving narcotics or psychotropic substances.
The law distinguishes between alcohol and narcotics or psychotropic substances, recognizing that the latter pose a significant risk to road safety. Those caught driving under the influence of narcotics or psychotropic substances face the highest levels of punishment, reflecting the UAE’s strong stance against drug use and impaired driving.
The implementation of Federal Decree-Law No. 14 of 2024 has significant implications for all drivers, particularly expatriates and frequent visitors. Key takeaways include:
Given the new regulations, residents and visitors alike are advised to remain informed about the UAE’s stringent laws regarding alcohol consumption and driving. Those planning to consume alcohol should consider alternative transportation options, such as taxis or designated drivers, to avoid putting themselves and others at risk. Moreover, for expatriates and UAE residents with valid driving licenses, legal consultation and awareness can provide a clearer understanding of their rights and obligations under the new law.
The UAE’s commitment to traffic safety is clear, and the enactment of Federal Decree-Law No. 14 of 2024 reinforces the country’s dedication to reducing road accidents and improving public safety. It is essential for all drivers to familiarize themselves with these new regulations, ensuring compliance and avoiding penalties.
This new law marks a critical shift in the UAE’s approach to road safety, with a zero-tolerance policy for impaired driving. By emphasizing strict penalties and accountability, the UAE aims to foster safer roads and a more responsible driving culture.
the local manufacturing of a diverse range of products within its supply chain. Announced at ADNOC's Business Partnership Forum during ADIPEC, these contracts are part of ADNOC's In-Country Value (ICV) programme, supporting the UAE’s “Make it in the Emirates” (MIITE) initiative.
Through its ICV programme, ADNOC aims to enhance local manufacturing capacity, foster self-sufficiency, and drive economic growth. So far, ADNOC’s partnerships have led to the establishment of 16 UAE-based manufacturing facilities this year, with eight newly inaugurated at ADIPEC, bringing the total to 33 since MIITE began.
At the forum, ADNOC unveiled its "Responsible Sourcing Programme," a new initiative promoting transparency and sustainable procurement in its supply chain. Yaser Saeed Almazrouei, ADNOC's Executive Director, emphasized ADNOC’s commitment to generating long-term value for the UAE by fostering collaborations with the private sector, inviting both UAE and international companies to explore emerging opportunities in manufacturing.
Since the ICV programme launched in 2018, ADNOC has reinjected AED187 billion ($51 billion) into the UAE economy and aims to add another AED178 billion by 2028. In partnership with NAFIS, the programme has created 14,000 job opportunities for Emiratis, with plans for an additional 13,500 jobs by 2028.
ADNOC's Business Partnership Forum served as a collaborative platform, uniting suppliers, UAE businesses, and government leaders to drive socioeconomic progress and strengthen the UAE’s industrial ecosystem through public-private partnerships.
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The Dubai Financial Services Authority (DFSA) has fined Vedas International Marketing Management $100,000 (Dh367,000) for unauthorized and deceptive financial promotions involving the Multibank Group. The DFSA announced that Vedas Marketing misled individuals within the Dubai International Financial Centre (DIFC), falsely claiming that certain Multibank Group entities were regulated by the DFSA, when in fact, they were not.
DFSA CEO Ian Johnston emphasized the authority’s commitment to maintaining DIFC’s integrity and reputation, stating that firms misleading the public about their regulatory status or location will face strict action.
While the DFSA's decision does not allege any misconduct by the Multibank Group itself, Vedas Marketing contested the ruling by referring it to the Financial Markets Tribunal (FMT) on June 2, 2024. However, the FMT dismissed the referral on July 22, 2024, as Vedas Marketing failed to pay the required filing fee.
Meanwhile, the DFSA saw significant growth in the first half of 2024, authorizing 61 new firms—a 22% increase from 2023. The wealth management sector experienced a notable 62% surge, reinforcing DIFC’s position as a regional leader in private banking and asset management. DIFC now hosts 27 of the 29 global systemically important banks (G-SIBs), underscoring its vital role in global finance.
The UAE government has introduced a new traffic law that imposes severe penalties on individuals caught driving under the influence of alcohol or narcotics. Set to come into effect on March 29, 2025, Federal Decree-Law No. 14 of 2024 aims to curb dangerous driving behaviours and enhance road safety across the country.
The law, issued in September 2024, addresses a range of driving offenses, with a particular focus on combating impaired driving. The new regulations stipulate significant consequences for offenders, including heavy fines, jail time, and suspension or revocation of driving licenses for repeat violations.
Federal Decree-Law No. 14 of 2024 outlines strict measures to deter drivers from engaging in unsafe practices, particularly driving under the influence of alcohol, narcotics, or psychotropic substances. The law aims to create a safer environment on UAE roads by targeting behaviors that contribute to traffic accidents and fatalities. Here’s a closer look at the new regulations:
1. Imprisonment and Hefty Fines
2. Licence Suspension and Cancellation
3. Increased Focus on Road Safety and Public Awareness
The UAE has long been committed to improving road safety and has introduced various laws over the years to address issues such as speeding, reckless driving, and distracted driving. However, driving under the influence remains a pressing concern, particularly in major cities like Dubai and Abu Dhabi, where high volumes of traffic increase the risk of accidents.
By introducing Federal Decree-Law No. 14, the UAE is aligning itself with international best practices for traffic safety. The law comes at a time when impaired driving has been identified as one of the leading causes of accidents in the region. Officials believe that stricter regulations are essential to protect both drivers and pedestrians.
The new law serves as a strong warning to residents, expatriates, and visitors who may underestimate the seriousness of driving under the influence. UAE authorities have made it clear that there will be no leniency for those who jeopardize public safety. For expatriates, these offenses could lead to severe legal consequences, including imprisonment, which could impact their residency status and employment.
The strict penalties are expected to act as a deterrent, discouraging individuals from engaging in behaviors that compromise their judgment and reaction times while on the road.
The UAE government has been proactive in enforcing traffic laws, with regular patrols, surveillance cameras, and traffic checkpoints set up across the country. To enforce the new decree, authorities are likely to increase inspections and strengthen monitoring measures to ensure that individuals comply with the regulations.
In addition to on-the-ground enforcement, the government may leverage technology to monitor and detect impaired driving. This includes advanced systems for identifying erratic driving patterns, which can signal potential alcohol or drug use.
The announcement of the new law has sparked discussion among residents, many of whom welcome the government’s proactive stance on road safety. Social media reactions suggest that a significant portion of the community supports the strict measures, acknowledging that they are necessary to address the alarming rate of traffic accidents linked to impaired driving.
Nevertheless, some concerns have been raised about how these regulations might affect individuals who may unknowingly consume substances that impair their driving ability. As a result, it is essential for residents to exercise caution and ensure they are fully aware of what they consume before getting behind the wheel.
Federal Decree-Law No. 14 of 2024 is part of a broader strategy to enhance public safety and reduce road-related fatalities in the UAE. By introducing severe consequences for impaired driving, the UAE government is reaffirming its commitment to a safer future for all road users.
As the country’s population continues to grow, particularly in high-traffic areas like Abu Dhabi and Dubai, these measures are expected to play a crucial role in maintaining public order and ensuring the safety of residents and visitors alike.
In conclusion, the UAE's new traffic law represents a significant step forward in the nation’s journey towards achieving safer roads. By taking a tough stance against impaired driving, the government is sending a clear message: the safety of the community comes first, and endangering lives on the road will not be tolerated.
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The UAE's population has surged, particularly in Abu Dhabi and Dubai, influencing job markets and starting salaries, according to a recent study. Recruitment consultancy Robert Half’s 2025 Salary Guide reveals that increased competition from expatriates has contributed to a 0.7% drop in average starting salaries for professional roles in the UAE. In finance, accounting, and human resources, salaries faced the steepest decline, with corporate accounting roles seeing reductions as high as 23%.
"It’s now common for companies to receive over 2,000 applications for a single position," shared Gareth El Mettouri, Director for the Middle East at Robert Half, noting that legal and tech roles tend to attract fewer candidates. Demand remains for accounting professionals, particularly those skilled in financial planning and tax, but the influx of expats arriving without jobs is lowering market value in these sectors.
Despite this trend, some fields, like in-house legal roles, are experiencing salary increases. Starting salaries for mid-level legal counsel rose by 1.6%, with average starting salaries seeing a 15% boost. This demand is driven by growing global interest in UAE businesses, especially among companies exploring initial public offerings, which require experienced legal teams.
Dubai’s population hit 3.798 million as of November 2024, up by 140,000 this year, while Abu Dhabi’s 2023 census recorded 3.789 million residents, reflecting an 83% increase since 2011.
As a thriving hub for trade, luxury brands, and a growing consumer base, the UAE faces unique challenges in combating counterfeit goods and brand infringement. To preserve market integrity, the UAE has implemented robust anti-counterfeiting laws and regulations that align with international standards. This article explores the UAE's legal framework for anti-counterfeiting, notable cases, and the practical steps brands can take to protect their intellectual property (IP) in the region.
The UAE takes a comprehensive approach to combating counterfeiting, with laws covering trademarks, copyrights, patents, and general intellectual property rights:
Enforcing anti-counterfeiting laws requires coordinated efforts across federal and local levels, involving:
The UAE has seen significant cases that demonstrate its commitment to protecting IP rights and fighting counterfeits:
The UAE enforces strict penalties for counterfeit activities, designed to deter would-be infringers:
Brands operating in the UAE can take several proactive steps to protect their products and reputation:
The UAE’s location as a global trade center brings specific cross-border challenges, especially with counterfeit goods entering via international ports. By implementing international treaties, such as the Agreement on Trade-Related Aspects of Intellectual Property Rights (TRIPS), and collaborating with global partners, the UAE strengthens its efforts against counterfeiting on an international level.
In addition, the UAE has been actively cooperating with the World Intellectual Property Organization (WIPO) to raise awareness, improve local enforcement, and align its policies with global standards. This ensures that brands, both local and international, have a secure environment for their products and intellectual property in the UAE.
Conclusion
As the UAE solidifies its status as a regional leader in trade and luxury markets, protecting intellectual property remains crucial to maintaining trust and integrity in its economy. With its rigorous anti-counterfeiting laws, proactive enforcement, and international collaborations, the UAE offers a robust framework for businesses to safeguard their brands. However, staying vigilant and taking proactive measures is essential, as counterfeiting remains a constant threat in today’s globalized world. By understanding UAE laws, monitoring markets, and collaborating with local authorities, brands can better protect their reputation, revenues, and most importantly, consumer safety.
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The UAE Government’s Annual Meetings commenced today in Abu Dhabi, uniting over 500 prominent officials from across the nation. The meetings opened with a special Cabinet session, chaired by His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President, Prime Minister of the UAE, and Ruler of Dubai. During this gathering, the UAE Cabinet approved a new National Anti-Narcotics Strategy aimed at intensifying efforts against drug trafficking both domestically and internationally.
This strategic move builds on the prior establishment of the National Council Against Drugs, introduced by Sheikh Mohammed during a Cabinet meeting in June 2023. The strategy seeks to bolster deterrence against drug dealers through a comprehensive approach involving federal and local authorities.
In addition to this initiative, the Cabinet ratified 22 international agreements. These agreements cover a range of partnerships in economic and commercial sectors, as well as cooperative efforts in legal, judicial, educational, and research fields. They also include memoranda of cooperation in energy and competitiveness with 17 countries, reflecting the UAE’s commitment to strengthening global partnerships.
On his official X account, Sheikh Mohammed highlighted the significance of the annual meetings, describing them as “a crucial national gathering” that reinforces cooperation between federal and local bodies, which he noted as "an essential path for accelerating the UAE’s development."
The UAE continues to enhance its global presence and diplomatic ties, emphasizing its dedication to building strong international bridges in an ever-evolving global landscape.
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As brand recognition grows, so does the risk of counterfeit threats—especially in the UAE’s flourishing luxury market, which includes premium fashion, cosmetics, electronics, and automotive products. Beyond counterfeit goods, high-end brands often face challenges from unauthorized sales channels, or “grey goods,” and misleading websites. Here are 10 essential tips for UAE brands to safeguard their assets and maintain consumer trust.
Counterfeiting and brand abuse can lead to financial and reputational damage. Assess the potential losses, the effect on brand image, and possible safety concerns that may impact public perception. Conducting an impact study is essential to understand the scale of the threat and align strategies to the unique factors in your sector and market.
Understand where counterfeits of your brand are likely to be produced and sold. Pinpoint where you want to prevent such activity and tailor protection efforts to those specific regions, especially areas where counterfeits and unauthorized sales are most active.
Evaluate possible sources of leaks within your production and supply chains. Focus on areas prone to unauthorized exports or imports, as these can lead to the distribution of grey goods and pose reputational risks.
Review your intellectual property (IP) rights, including trademarks, patents, and design copyrights. Ensure coverage extends across all relevant markets, production sites, and key transit points to safeguard your brand at every stage of distribution.
Establish IP protections for upcoming products well before launch. The UAE offers a five-year grace period for trademark registration, allowing time to secure IP rights for items in development, minimizing risks of brand imitation upon release.
Preventive legal measures are critical. Use nondisclosure agreements and strong contractual controls with manufacturers, distributors, and partners. Additionally, consider embedding authenticity tags or holograms within products to simplify verification and detection at borders.
Border seizures are a powerful tool to combat counterfeits. In the UAE, applying for customs assistance can safeguard IP rights by alerting officials to potentially infringing goods. Educate border personnel on your brand’s identifiers to help prevent counterfeit imports.
Proactively monitor your brand across online platforms, marketplaces, and social media. Use brand protection tools to track trademarks, domain registrations, and social media mentions, helping you identify and address threats early.
Enforcement can be costly, so it’s important to assess its value carefully. Focus on cases where the counterfeit poses serious financial, safety, or regulatory risks, ensuring that the investment in enforcement yields meaningful returns for the brand.
Track the effectiveness of anti-counterfeit measures and refine strategies based on past outcomes. Consolidate data from each action, monitor return on investment, and adapt strategies based on what has worked best to enhance brand security.
For UAE businesses, these steps are crucial for protecting brand reputation and retaining consumer trust in a competitive market.
The UAE is a hub for innovation and technological advancement, making it a prime location for patents and intellectual property protection. However, with increased IP activity, the likelihood of patent disputes also rises. Resolving patent disputes effectively is essential to protect innovators’ rights, maintain fair competition, and encourage further investment in the region. This article examines common causes of patent disputes in the UAE, the legal framework for handling them, and practical steps for resolution.
Patent disputes in the UAE arise when two or more parties claim rights over a specific invention, or when a patent holder believes that their patent is being infringed upon. Common scenarios leading to patent disputes include:
With the UAE’s growing focus on industries such as healthcare, biotechnology, and technology, patent disputes have become more prevalent, highlighting the importance of effective dispute resolution mechanisms.
The UAE's legal framework for patents is primarily governed by Federal Law No. 11 of 2021 on the Regulation and Protection of Industrial Property Rights. This law aligns with international standards and provides comprehensive protection for patents, trademarks, and other industrial property rights. Here are some key provisions under the law:
The UAE is also a signatory to several international treaties, including the Patent Cooperation Treaty (PCT), which streamlines patent protection procedures for international applications. Additionally, the UAE’s alignment with the Gulf Cooperation Council (GCC) Patent Office allows inventors to protect their patents across multiple GCC countries.
The UAE offers several mechanisms for resolving patent disputes, ranging from amicable negotiations to legal proceedings. Here’s an overview of the main options:
Mediation is often the preferred method for resolving patent disputes in the UAE. It allows the parties to work out their differences with the help of a neutral mediator, who facilitates a mutually acceptable resolution. The benefits of mediation include lower costs, quicker resolution, and confidentiality. Parties may choose a private mediator or engage the services of the Dubai International Arbitration Centre (DIAC), which offers mediation services for IP disputes.
Arbitration is another effective dispute resolution method, especially in complex or high-stakes patent cases. Arbitration is binding and provides a final decision without the need for a lengthy court trial. The UAE has arbitration centers such as DIAC and Abu Dhabi Global Market (ADGM) Arbitration Centre that are equipped to handle IP disputes, including patent cases.
Advantages of Arbitration:
When mediation and arbitration fail, patent holders can file a civil lawsuit in UAE courts. The UAE Civil Court System hears patent disputes under the Federal Court of First Instance and, if needed, appeals can be pursued through the Court of Appeal and the Court of Cassation.
The UAE Ministry of Economy and local Department of Economic Development (DED) offices provide an administrative route for handling certain patent disputes. Patent holders can file complaints with these authorities, who may take action by investigating the alleged infringement and imposing penalties, such as fines or seizure of infringing goods.
For businesses facing a patent dispute, a strategic approach is essential. Here are some recommended steps:
Step 1: Conduct a Patent Audit
The first step in addressing a patent dispute is to thoroughly review and understand the relevant patents and IP assets involved. This includes verifying patent registration, reviewing licensing agreements, and evaluating the potential impact of the dispute on business operations.
Initiating negotiations with the opposing party can be a cost-effective way to resolve disputes. Many patent disputes can be settled amicably without formal proceedings, especially if both parties are open to compromise and value maintaining a positive business relationship.
Engaging a legal expert in UAE patent law is crucial to assess the strength of your case and advise on the best dispute resolution strategy. IP lawyers can also assist in drafting strong evidence and supporting documentation to strengthen your position.
If direct negotiations are unsuccessful, mediation or arbitration should be considered. Both processes are faster than litigation and can provide a fair outcome. Many businesses prefer these methods for their confidentiality, which is valuable in patent disputes.
If all other methods fail, pursuing a civil lawsuit through the UAE courts is an option. Legal action should be considered carefully due to the associated costs, time, and public exposure of sensitive IP matters. With a solid case, however, litigation can offer definitive results and potential compensation.
Patent disputes in the UAE have made headlines in recent years, especially in sectors such as technology, pharmaceuticals, and consumer goods. Here are a few notable cases:
These cases highlight the UAE’s commitment to upholding patent rights and ensuring fair competition, especially in high-value sectors.
While patent disputes may be unavoidable in some cases, companies can take steps to minimize risks:
The UAE’s commitment to intellectual property protection, combined with its robust legal and dispute resolution frameworks, provides a supportive environment for innovators. Resolving patent disputes in the UAE involves a mix of negotiation, mediation, arbitration, and litigation options, allowing businesses to protect their IP while maintaining constructive business relationships. By understanding the legal framework and proactively managing IP rights, businesses can navigate patent disputes more effectively and secure their competitive edge in the UAE market.
In the UAE, an employee's obligation to perform their duties diligently is enshrined in Article 16(8) of the Federal Decree Law No. 33 of 2021 on the Regulation of Employment Relations. Employers have the right to take disciplinary action, including termination, for non-performance, provided they follow the stipulated procedures.
To legally terminate an employee for non-performance in the UAE, employers must adhere to the following steps:
Severance Pay: Even in cases of termination for non-performance, the employee may be entitled to severance pay based on their tenure and the company's policy.
Legal Counsel: Consult with an employment lawyer to ensure compliance with all legal requirements and to minimize the risk of legal challenges.
To avoid potential legal challenges, employers should:
By following these guidelines, employers can protect their interests while ensuring fair and legal employment practices in the UAE.
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For many UAE expats, the allure of settling abroad in countries like Canada, the UK, Australia, or Caribbean nations often carries the promise of a fresh start. However, for an increasing number, these dreams dissolve into despair as they fall victim to fraudulent immigration consultants. These scams have left individuals not only financially drained but also facing legal repercussions, including travel bans and lifetime prohibitions from their target countries.
A Web of Deception
In recent years, thousands of UAE residents have lost substantial sums to immigration firms that use aggressive marketing tactics. These companies claim to have connections with "reputable" immigration lawyers, promising guaranteed selection in visa pools. However, investigations by Khaleej Times reveal that such promises are often baseless, leaving hopeful applicants stranded.
Fake advertisements are widespread, offering guarantees of work permits, high-paying jobs with minimal qualifications, and even free airfare and accommodation. Enticed by these offers, victims end up paying large fees, only to find themselves in a state of limbo as no tangible results materialize.
The High Price of Falsified Documentation
Some firms take it a step further, submitting falsified documents on behalf of clients, which leads to severe consequences when discovered. Using tactics like fabricating bank statements, they provide temporary appearances of financial stability. In return, clients are charged exorbitant fees and high interest rates, ultimately leading to a debt cycle and, in many cases, a permanent ban from the destination country.
"We've seen cases where clients are banned due to the submission of fake documents," says attorney Sam Bayat, founder of Bayat Group. He recounts a case where an immigration consultant in Karama created fake bank statements, emphasizing that "due diligence is essential."
Financial Losses and Vanishing Companies
Adding to the distress, some immigration firms vanish after collecting fees, leaving clients with no legal recourse. Hossam Zakaria, a Dubai-based consultant, reported a rising number of fraud cases targeting vulnerable individuals. One Dubai-based firm collected fees ranging from Dh15,000 to Dh50,000 by offering "fast-track" routes to Canadian residency before disappearing without a trace.
In Canada, immigration fraud has spiked by 50% from 2020 to 2023, with many cases linked back to UAE-based firms. In 2023 alone, an estimated 400 UAE residents lost Dh20 million to immigration scams.
Desperate Circumstances Exploited
Scammers often prey on people in challenging circumstances. For example, cross-border marriages between Indians and Pakistanis may drive couples to seek third-country passports, such as Canada or Australia, due to strained diplomatic relations. Scammers exploit this desperation, promoting fast-track options that do not exist.
The Canadian government has issued fraud warnings and outlined critical advice:
Yet, by the time many learn of these safeguards, it is often too late.
Lives Derailed: Stories of Loss and Betrayal
The stories of those defrauded reflect severe financial and emotional tolls. One Sharjah-based couple, RB and SB, paid Dh106,958 (CAD40,000) for permanent residency in Canada but received only a job interview setup, followed by silence. Christopher Pereira, another victim, paid Dh65,000 and has since received only a partial refund, while Asif Baig and Moin continue to wait for refunds on sums over Dh60,000.
Mudassir Ahmed Khan also fell prey to promises of quick employment abroad but received nothing after four years of waiting. These experiences underscore the importance of verifying the credentials of any immigration consultant.
Citizenship by Investment Scandals
Beyond traditional immigration scams, Citizenship by Investment (CBI) programs—once hailed as pathways to global mobility—face scrutiny as scams emerge across Caribbean nations, Cyprus, Malta, and beyond. Some agents offer citizenship for as low as $70,000, far below official requirements. Lawsuits, such as the one filed by MSR Media under the RICO Act, allege fraud, kickbacks, and money laundering involving high-profile political figures in St. Kitts and Nevis.
These revelations have prompted countries like Dominica to revoke citizenship from those who obtained it through fraudulent means. In response to concerns, the St. Kitts and Nevis government is considering reopening CBI applications to require payment of any missing funds to meet official minimums.
Implications for the Future of Immigration Programs
The CBI industry is now at a crossroads, with threats to its survival if international partners, including the EU and UK, lose confidence in these programs' integrity. Attorney Bayat stresses that "the industry’s very existence is at risk if global concerns remain unaddressed," noting the potential loss of visa-free travel privileges as a serious repercussion.
With increasing legal scrutiny on immigration and CBI programs, UAE expats are urged to remain cautious, avoiding too-good-to-be-true offers and verifying all information through official channels. Only by following legitimate processes can hopeful expats avoid the growing number of immigration fraud traps.
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As November begins, several important regulatory updates and changes are coming into effect across the UAE, bringing convenience and benefits for residents and visitors alike. From parking timing adjustments and exclusive traffic fine discounts to new Salik toll gates, these updates aim to enhance day-to-day life across the nation. Here’s a detailed look at the changes to keep in mind this November.
1. Visa Amnesty Programme Extended
In positive news for those living in the UAE without a valid visa, the country's amnesty programme has been extended. Initially set to conclude on October 31, the amnesty period now continues through December 31, 2024. This extension, announced by the Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP), allows individuals with expired or cancelled visas to regularize their status without incurring overstay penalties. The extension aligns with the UAE’s 53rd Union Day celebrations, offering an opportunity for people to resolve their visa issues and enjoy stability in the country.
2. Sharjah Parking Hours Adjustment
In Sharjah, parking hours have been revised to accommodate longer stays and reduce parking stress in high-demand areas. New rules extend the paid parking period, with timings now in effect until 11 p.m. This change aims to improve parking availability and reduce traffic congestion, particularly in commercial and residential zones where demand for parking is consistently high. Residents and visitors are encouraged to review updated signage and stay informed on new payment structures to avoid fines.
3. Discounts on Traffic Fines
This November, UAE residents can benefit from exclusive discounts on traffic fines. The initiative aims to encourage timely payment of fines and foster safer driving habits across the Emirates. Specific discount percentages and eligibility criteria vary by emirate, with some offering up to a 50% reduction on outstanding fines. This move is part of ongoing efforts to promote responsible driving behavior and reduce road accidents, offering a financial reprieve to those with traffic violations.
4. New Salik Toll Gates in Dubai
Dubai is set to launch two additional Salik toll gates, operational from November 24. These new gates are strategically placed to manage traffic flow and ease congestion during peak hours in high-traffic areas. Motorists are advised to prepare for changes in their routes, as tolls may affect daily commutes. For those who regularly drive in these areas, it’s recommended to budget for the new toll fees to avoid any surprises. This measure supports Dubai’s goal of a more streamlined and efficient transport network.
5. Return of the Sheikh Zayed Festival
Marking the beginning of the cultural season, the renowned Sheikh Zayed Festival will return, featuring an array of events and activities celebrating the UAE’s rich heritage. Residents and tourists can look forward to a series of family-friendly exhibitions, traditional performances, and workshops highlighting Emirati culture. The festival provides a unique platform to celebrate the UAE’s past and present and to foster cultural exchange. Attendees can enjoy fireworks displays, educational exhibits, and live entertainment throughout the event, which lasts until the end of the season.
Staying Informed and Prepared
These updates highlight the UAE’s commitment to improving resident welfare and streamlining daily operations. As the nation grows, such changes offer benefits and provide residents and visitors with opportunities to stay engaged in cultural events, manage legal responsibilities, and experience enhanced infrastructure.
Residents are encouraged to stay informed about these changes to ensure compliance and make the most of the benefits available this month.
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Dubai has introduced a new law strengthening penalties for financial misconduct, specifically targeting employees of the Financial Audit Authority. Announced by Dubai’s Ruler, the amendment grants the Director General of the Authority enhanced powers to handle employee violations, including measures such as travel bans, asset freezes, and disciplinary actions.
The updated law enables the Director General to suspend offending employees, seize relevant documents, or, if violations are minor or unsubstantiated, dismiss cases without further action. Serious criminal offences, however, will be referred to Dubai Public Prosecution, with asset freezes and travel restrictions enforceable for up to three months, extendable as needed. Employees have the right to appeal these measures after the initial three-month period, unless an earlier appeal is justified.
The amendment, issued under Law No. (24) of 2024, revises previous regulations (Law No. (4) of 2018) by modifying articles 34, 35, and 36. It allows settlements where misappropriated funds are recovered, concluding the investigation without criminal prosecution but permitting disciplinary actions.
Additionally, a structured process for appeals has been established. The Director General will evaluate penalties, adjusting them, if necessary, with final approval sent to the authority within seven days. Non-compliance with penalty revisions by senior officials will lead to referral to the newly established Central Violations Committee. This three-member independent committee can uphold, increase, or dismiss penalties based on evidence, with employees able to appeal decisions through a Grievances Committee within 15 days.
The permanent Grievances Committee, appointed by the Director General, will include a chairperson, a CEO from a government entity, and representatives from the authority and Supreme Legislation Committee. This committee’s decisions are final, with judicial review as the only recourse.
The law takes effect immediately and will be published in the Official Gazette.
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For numerous investors in the UAE and GCC, the Dizabo Superapp once represented a promising investment opportunity. Launched in September 2021, the app branded itself as the region’s first "super app," aimed at revolutionizing e-commerce by connecting a vast network of vendors with millions of consumers across multiple product categories. However, just a few years later, the platform's promise has crumbled, leaving investors with significant financial losses and broken trust.
High Returns, Higher Risks
The allure of high returns, reportedly up to 80% in just six months, drew in hundreds of investors. Many were enticed by an offer to invest in delivery vehicles, with the promise of fixed returns backed by post-dated checks. However, in 2023, payments from Dizabo stopped unexpectedly. While the company continued to reassure investors that growth was imminent, no progress was realized, and investors were left unable to contact the founder or recover their funds.
This situation quickly escalated, with investors forming groups to pursue legal action collectively. Documents shared by impacted parties indicate the founder faces multiple cases in Dubai Courts and has been ordered to repay various investors. Authorities have since shut down Dizabo's office, frozen its assets, and frozen its bank accounts, exposing the scale of losses incurred.
Lives Disrupted
The financial fallout has had severe personal impacts on investors, who come from a wide range of backgrounds and nationalities. Many invested substantial sums, hoping to secure future stability for themselves or their families. Unfortunately, the collapse has left some with mounting debts, legal challenges, and travel bans due to unpaid loans. Others report disruptions to their families, job losses, and an inability to meet their financial commitments.
Allegations of Intimidation and Fraud
Several investors have voiced concerns over the company’s practices, alleging that Dizabo representatives threatened them with legal action if they attempted to speak out. Although the app was still available for download, users reported that none of its promised services were functional, leading to a flood of negative online reviews.
The founder has denied wrongdoing, claiming Dizabo was an innovative project that encountered unforeseen obstacles. He has maintained that the company was not running a Ponzi scheme, describing Dizabo as a start-up facing financial setbacks. In response to inquiries, he asserted that a significant sum remains owed to the app by various restaurants. However, when these establishments were contacted, none could confirm owing money to Dizabo.
As the situation continues to unfold, impacted investors are calling for further investigation into the company's activities, with hopes that authorities will take action to address their grievances.
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As the UAE continues to prioritize road safety and adapt to rapid advancements in transportation, a new traffic law has been introduced, setting stricter penalties and new regulations for motorists and pedestrians alike. This law replaces the previous traffic law and accommodates changes in vehicle technology, including electric and self-driving vehicles. Here’s a comprehensive look at the key changes and penalties under this new legislation.
Key Changes in the UAE’s Traffic Law
1. Hit-and-Run Penalties: Up to Dh100,000 Fine and Two Years of Jail Time
One of the most significant updates in the new traffic law pertains to hit-and-run cases. Drivers involved in a hit-and-run incident that results in injury face stricter penalties. The law stipulates:
The new law aims to ensure accountability, encouraging drivers to assist injured parties and report accidents immediately.
2. Stricter Penalties for Jaywalking
The new law also places increased responsibility on pedestrians to follow road safety rules. Jaywalking or crossing roads outside designated pedestrian crossings can result in fines or other penalties. These changes reflect the UAE’s commitment to pedestrian safety and are in line with the government’s goal to reduce pedestrian accidents.
3. Lower Minimum Driving Age
In an effort to expand mobility options for young people, the new law has lowered the minimum age required for driving. While specifics on the age adjustment have not been publicly confirmed, the change aims to provide younger individuals with more flexibility in terms of commuting and transportation.
4. Regulations for Self-Driving and Electric Vehicles
In a nod to the evolving transportation landscape, the law now includes provisions for electric and autonomous vehicles. This makes the UAE one of the leading countries to incorporate such considerations into its legal framework. Specific guidelines for self-driving vehicles, including rules for operation and maintenance, are expected to ensure the safety of all road users as these technologies become more prevalent.
5. Enhanced Rules for Cyclists and E-Scooter Riders
The law also addresses the increased use of bicycles and e-scooters on UAE roads. New rules include:
These updates are in line with the UAE’s commitment to supporting eco-friendly transportation options while maintaining road safety.
6. Comprehensive Road Safety Measures for Pedestrians and Motorists
The new law imposes additional responsibilities on both drivers and pedestrians to prevent road incidents. Drivers are now required to exercise heightened vigilance in areas with heavy pedestrian traffic. Conversely, pedestrians must adhere to designated crossing areas and avoid actions that could disrupt traffic flow or compromise their own safety.
Applying the New Law: What Motorists and Pedestrians Should Know
The UAE government’s official social media post on X (formerly Twitter) outlines that the new law aims to keep up with transportation advancements while ensuring safety. This is particularly relevant as the UAE pushes to become a leader in smart city technology and sustainable transport. For residents and visitors, adhering to these regulations will be crucial, as penalties for violations are set to become more stringent.
Penalties and Enforcement
The new traffic law is backed by an updated enforcement framework designed to deter violations and enhance public safety. Some key penalties include:
In addition to these penalties, law enforcement will use enhanced surveillance, including road cameras and AI-based monitoring, to ensure compliance.
Emphasis on Road Safety Education
The UAE’s traffic authority has also outlined plans to launch extensive public awareness campaigns to educate residents on the new law. The campaigns will emphasize the importance of safety for all road users, the responsibilities of pedestrians, and the need for motorists to comply with the latest regulations. Special training and informational resources may be available for younger drivers, e-scooter riders, and cyclists to reinforce safe practices.
How the New Traffic Law Supports the UAE’s Vision
The UAE’s commitment to modernizing its traffic laws aligns with the nation’s vision for a safer, more sustainable future. By incorporating rules for electric and autonomous vehicles and ensuring safety measures for alternative modes of transport, the law supports the UAE’s goals to reduce carbon emissions and traffic-related injuries. Furthermore, it positions the UAE as a global leader in adopting transportation solutions that meet the demands of modern urban life.
Final Thoughts
As the UAE’s new traffic law comes into effect, motorists, pedestrians, and cyclists are encouraged to familiarize themselves with the updated regulations. This comprehensive approach to road safety reflects the UAE’s dedication to ensuring a secure and progressive environment for all. Residents and visitors are advised to keep track of any official announcements and ensure they follow these new guidelines to avoid penalties and contribute to safer roads.
For more information on the new law or updates, individuals can refer to the UAE government’s official social media channels or visit the local traffic authority’s website for complete details.
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The UAE Golden Visa program, a long-term residency initiative, is designed to attract skilled professionals, investors, and innovators by offering benefits like tax-free income, the ability to sponsor family members, and the option to work and live without a local sponsor. This visa also supports entrepreneurs and leaders in fields such as science, arts, sports, and technology.
Golden Visa for Skilled Professionals
Professionals earning Dh30,000 or more are eligible to apply for the Golden Visa if they meet certain conditions:
Key Application Requirements
Employment Documents:
For mainland employees: A Ministry of Labour contract showing a Dh30,000+ salary.
For free zone employees: A salary certificate from the free zone authority confirming a Dh30,000+ salary.
Financial Proof:
Six months’ bank statements reflecting the salary, with evidence of transfer if moved to another account.
Education Proof:
Attested bachelor’s degree or higher, with equivalency certification recognized by UAE authorities.
No Objection Certificate (NOC):
From the employer, allowing the employee to hold a Golden Visa, signed by an authorized signatory.
Nomination Letter:
This letter, provided by relevant UAE authorities, attests to your eligibility for the visa.
Health Insurance:
Comprehensive health coverage for self and family.
Supporting Documents:
Passport with visa page and a personal passport-sized photo.
Applying for the Golden Visa
You can apply for the Golden Visa through either the General Directorate of Residency and Foreigners Affairs (GDRFA) in Dubai or the Federal Authority for Identity, Citizenship, Customs & Port Security (ICA) for other emirates.
Applying via GDRFA (Dubai)
Online Application:
Access GDRFA’s website or mobile app.
Log in via UAE Pass, complete the application, and pay the following fees:
Residency permit fee: Dh1,100
Additional fees: Knowledge fee (Dh10), Innovation fee (Dh10), Country fee (Dh500), Delivery fee (Dh20).
The fee increases Dh100 for each year beyond two years of residency.
In-Person Application:
Visit a GDRFA customer service center or Amer center, take a ticket, and submit your application to the service employee.
Applying via ICA (Federal)
Online:
Visit the ICA website, select the Golden Visa service, and create an account.
Apply for nomination based on your category and submit your application.
In-Person:
Alternatively, visit an ICA-approved typing center for assistance in completing and submitting your application.
Golden Visa Nomination for Specific Talent
Eligible applicants in specialized fields require nomination letters from relevant UAE authorities:
Golden Visa for Other Categories
In addition to skilled professionals, the Golden Visa targets:
Additionally, Dubai offers a unique 10-year Gaming Visa to attract gaming professionals, content creators, and industry leaders to foster the city’s position as a global gaming hub.
For a comprehensive overview of additional visa types available in the UAE, including property-linked visas, visit the relevant authorities’ websites to determine which residency path best aligns with your goals in the UAE.
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His Highness Sheikh Saud bin Saqr Al Qasimi, Ruler of Ras Al Khaimah and Supreme Council Member, highlighted the UAE’s emergence as a “start-up nation” at the Digital Assets conference in Ras Al Khaimah. Through strategic initiatives and progressive regulations, the UAE has created an environment where diverse global talents and digital innovators can pursue their goals, Sheikh Saud noted.
The UAE has solidified its position as the region's leading digital assets hub, welcoming prominent players like Binance and drawing substantial international investment. Sheikh Saud credited the proactive efforts of regulatory authorities in Abu Dhabi, Dubai, and Ras Al Khaimah for transforming the UAE from a regional into a global center for digital assets.
Ras Al Khaimah has also established the Digital Assets Oasis (DAO), a dedicated free zone for digital and virtual assets, aiming to boost digital growth across the UAE. This week’s RAK DAO Conference, themed "Building the Future," drew over 2,000 industry leaders and professionals, reflecting the UAE’s commitment to fostering a digital-first economy.
The digital assets market in the UAE is projected to reach $270 million by the end of 2024, setting a strong foundation for further growth. Sheikh Saud emphasized that initiatives like the UAE National Strategy for Artificial Intelligence 2031, which aims to leverage AI for economic growth and quality of life improvements, exemplify the UAE's commitment to digital advancement.
RAK DAO not only offers a regulatory framework but fosters a collaborative ecosystem for entrepreneurs, investors, and developers, complete with world-class infrastructure and a business-friendly environment. Sheikh Saud shared that top blockchain and digital asset firms are increasingly choosing Ras Al Khaimah due to the emirate's progressive stance and strategic partnerships.
The RAK ruler concluded by underscoring that the influx of investment will create high-value jobs and attract further foreign direct investment, positioning Ras Al Khaimah and the UAE as global leaders in the digital economy.
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Dubai Islamic Bank has informed customers of pending deductions related to transactions missed during a mid-2024 system upgrade.
Dubai Islamic Bank (DIB) has announced that it will soon deduct funds from customer accounts to reflect charges that were not debited during a system upgrade earlier this year. The bank clarified that these transactions, though processed at the time, were not deducted due to technical reasons and will now be recovered.
In recent emails sent to affected customers, DIB explained that while the transactions were successfully processed by merchants during the upgrade, they were not reflected in the customers' accounts at the time. Following the stabilization of its system, the bank is now able to proceed with these pending debits.
The upgrade, which occurred in mid-2024, caused some customers to experience service disruptions. In response, the bank assured customers in July that they would not face penalties for late payments or other charges resulting from the system error.
To keep customers informed and allow them time to address any account issues, DIB has initiated a series of communications. These include an initial email detailing the specific transactions, followed by multiple SMS notifications. The bank has advised account holders to ensure sufficient funds are available to cover these charges and any other upcoming commitments, such as cheques or standing orders, to avoid overdrawing their accounts.
DIB, the UAE's largest Shariah-compliant bank, serves over five million customers across the Middle East, Asia, and Africa. The bank stated it has taken necessary steps to minimize inconvenience and is committed to addressing any concerns swiftly.
“We deeply regret any inconvenience caused and appreciate the understanding and cooperation of our customers,” DIB said in a statement, emphasizing its commitment to transparency during the process.
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First Abu Dhabi Bank (FAB) has successfully raised close to $200 million in assets under management (AUM) with the launch of its new Fixed Maturity Portfolio (FMP) on October 9, achieving record subscription levels. This marks the introduction of the second series of FAB’s conventional FMP, following the success of the first series in 2023, along with the bank’s first Shariah-compliant FMP.
Designed to cater to the diverse needs and investment preferences of FAB’s clients, these portfolios were made available to professional investors and have a three-year maturity. The FAB MENA Plus Fixed Maturity Portfolio Series 2 offers a net yield of 5.50%, while the FAB Sukuk MENA Plus Fixed Maturity Portfolio Series 1 delivers a net yield of 4.50%.
The portfolios are structured to provide high yields, with investors receiving quarterly dividends that can either be paid out or reinvested. The income is generated from a carefully curated selection of bonds and sukuk, spread across various regions and sectors. This approach creates a well-diversified portfolio of fixed-income instruments, helping to minimize risk and volatility.
FAB Asset Management’s new FMP is particularly attractive to income-seeking investors looking to secure strong returns while managing risk effectively in a declining interest rate environment.
With over 20 years of regional experience, FAB Asset Management is one of the largest MENA-focused managers. Its diverse client base includes sovereign wealth funds, pension funds, financial institutions, family offices, and individual investors. The firm’s expertise spans multiple asset classes, positioning it as a leading player in the region.
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Dubai Police has introduced stricter vehicle impounding regulations in a bid to improve road safety and reduce traffic accidents. As part of the newly enforced rules, vehicles involved in specific violations, such as using a mobile phone while driving or other forms of distracted driving, will be impounded for up to 30 days.
The updated regulations are part of a broader effort by Dubai authorities to enhance penalty enforcement and ensure that drivers adhere to traffic laws more rigorously. By targeting violations that are known to cause accidents, the new measures aim to reduce the number of incidents on the road and promote safer driving habits.
Distracted driving, particularly the use of mobile phones while behind the wheel, has been identified as one of the leading causes of road accidents. The strict penalties are intended to deter such behavior and encourage drivers to focus on the road. Along with vehicle impounding, violators may also face fines and other sanctions depending on the severity of the offense.
Dubai Police have emphasized that the new rules are essential for creating a safer environment on the city's roads and protecting both drivers and pedestrians from preventable accidents. The measures also reflect Dubai’s broader commitment to improving road safety standards and reducing traffic fatalities.
These new regulations are expected to make drivers more conscious of their actions while driving and ultimately contribute to the overall safety and efficiency of road traffic in Dubai.
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If you're a resident of Sharjah, you're likely familiar with the 'Digital Sharjah' app. But now, with its newly launched version, the app has expanded to allow residents to manage almost all essential tasks in one convenient place.
Lamia Obaid Al Shamsi, Director of the Sharjah Digital Department, highlighted the new features of the upgraded app at Gitex Global 2024. She explained how the second version was designed to enhance user experience with a refined interface, innovative elements, and the integration of artificial intelligence.
"We’ve recently introduced the second version of the platform, featuring a redesigned user interface that aligns with our strategy to improve user experience," said Al Shamsi. "This includes AI-powered live chat for quick government information access, service evaluations, digital payments, and an enhanced services guide. We've also improved existing services like Sharjah Electricity and Water Authority (SEWA) bill payments and public parking fee payments."
A Unified Digital Platform
The app serves as a unified channel for accessing services from local and federal government entities in Sharjah. With the latest technology and flexible features, users can complete processes within minutes, while enjoying top-level security. "This platform represents a significant step towards achieving Sharjah’s vision for digital transformation," Al Shamsi added.
New Dashboard for Personalized Services
One of the major additions in the new version is a personalized dashboard, where users can store and access important documents, such as their Emirates ID, driver’s license, car registration, and more. The dashboard also provides real-time updates on vehicle registration renewals and allows for easy payment of various services.
Digital Documents at Your Fingertips
Through the Digital Sharjah app, residents can access digital versions of key documents, including:
Services Available Through the App
The new app allows Sharjah residents to easily manage the following services:
Upcoming Projects to Transform Life in Sharjah
Looking ahead, Al Shamsi discussed several upcoming projects designed to simplify starting a business, buying or renting property, and accessing useful data in Sharjah. These initiatives are the result of collaborations between various government departments, many of which were showcased at the Sharjah government’s stand at Gitex Global 2024.
Expressing her gratitude, Al Shamsi said, “I want to thank all the government entities that participated in the Sharjah Government Platform at Gitex Global 2024. Their cooperation has been key in showcasing Sharjah’s digital innovations to improve government services and enhance the quality of life for citizens, residents, visitors, and investors alike.”
With the upgraded Digital Sharjah app, handling everyday tasks has never been easier for residents, ensuring a more connected and efficient living experience.
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"The UAE is a hub for the financial sector, which often makes it a prime target for cyberattacks. However, due to our resilience, partnerships, and collaborations, all attacks were thwarted," Al Kuwaiti said during a panel discussion titled State Cybersecurity Outlook: Shaping the Future of AI Digital Economy, held on the third day of Gitex Global 2024 at the Dubai World Trade Centre.
Senior officials and ministers from the US, Malaysia, Paraguay, the UK, and Cyprus also participated in the panel, discussing various aspects of global cybersecurity.
Global Recognition
The UAE has earned global recognition for its robust efforts against cybercrimes. It was rated among the top-tier countries in cybersecurity, according to the Global Security Index 2024 released in September.
"Cybercrimes like fraud and scams are widespread, and the first line of defense is awareness," Al Kuwaiti emphasized.
Tackling Threats with New Technology
Al Kuwaiti noted that whenever new technology is introduced, the "threat landscape increases exponentially." He outlined three main cyber threats:
Cybercrime – involving fraud, scams, and impersonation.
Cyberterrorism – including misinformation and disinformation, which can influence public opinion.
Cyberwarfare – targeting critical infrastructure like electricity, oil and gas, aviation, and healthcare.
He highlighted the risks to healthcare facilities in particular, emphasizing that attackers often disregard the potential human impact.
To counter these threats, the UAE is building coalitions and working on a deterrence strategy. Al Kuwaiti also called for a 'Cyber Geneva Convention' to unify global efforts against cyber threats. “Such a convention would create a safer online environment for businesses of all sizes," he said.
Updating Policies
The UAE is continuously updating its cybersecurity policies to stay ahead of technological advancements. The country’s cybersecurity strategy will be revised to ensure robust governance, defense, and protection. Al Kuwaiti mentioned that specific laws related to the Internet of Things (IoT) would also be updated to cover devices used in sectors such as healthcare and oil and gas.
Additionally, the UAE's cloud-first policy will be enhanced to incorporate advanced security measures, ensuring comprehensive protection across various industries.
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Dubai has made significant progress in reducing its debt, paying off more than Dh47 billion in debt and bonds over the past two years, according to a report released on Wednesday. Global rating agency S&P confirmed that the emirate repaid Dh40 billion in debt during 2022-23, along with Dh7.1 billion in bonds.
S&P analysts expect Dubai's gross government debt to drop to around 34% of GDP ($50 billion) by the end of 2024, down from 70% in 2021. The substantial debt repayment includes a Dh20-billion loan from Abu Dhabi and the Central Bank of the UAE and a Dh7.1-billion bond settlement.
Dubai's economy has shown a robust recovery post-pandemic, with all sectors growing rapidly, resulting in increased government revenues. The introduction of a 9% corporate tax has further boosted the emirate's income.
Additionally, the government monetized its assets through multiple initial public offerings (IPOs) over the last two years. These listings, including partial sales of DEWA, Salik, Empower, Dubai Taxi Co., and Tecom, generated an estimated Dh33 billion ($9 billion) for the government. S&P notes that with four more companies slated for listing, Dubai could see an additional liquidity boost, potentially aiding further debt reduction or funding expansion projects such as the airport.
The report also highlighted that loans from Emirates NBD bank were reduced by nearly half during this period. As a result, Dubai's gross government debt is estimated to have fallen to around 38% of GDP by the end of 2023, compared to 70% in 2021.
Despite these repayments, Dubai's public sector debt remains considerable, projected to be around 70% of GDP by 2024. This includes contingent liabilities of about 36% of GDP and general government debt at 34%.
Looking ahead, S&P analysts expect Dubai to achieve fiscal surpluses from 2024 to 2027, with no additional debt issuances planned for deficit financing. However, the forecasts do not yet account for potential debt related to major projects like the $35-billion Al Maktoum Airport expansion or the $8.2-billion Tasreef rainwater drainage project, as details on funding distribution and timing remain unclear.
This economic resurgence and debt reduction reflect Dubai’s strong financial standing and growing revenue streams from corporate tax and asset sales.
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Dubai is preparing to introduce a ground-breaking travel experience that will allow passengers to move through its airports without the need for physical documents. According to Lieutenant Colonel Khaled bin Madia Al Falasi, Deputy Assistant Director for Smart Services at the General Directorate of Residency and Foreigners Affairs in Dubai (GDRFA Dubai), the new initiative, titled ‘Travel Without Borders’, will make use of cutting-edge artificial intelligence (AI) technology.
Facial recognition cameras will scan travelers' faces as they walk through the airport, eliminating the need for traditional passport control checks or smart gates. The system will verify passengers' biometric data on the move, confirming their identity and officially registering their arrival or departure without requiring any stops.
This innovation marks a significant advancement in Dubai’s efforts to enhance efficiency and provide a seamless, document-free experience for travelers passing through its airports. The initiative is part of the emirate's ongoing commitment to integrating smart technology into everyday processes, further positioning Dubai as a global leader in modern travel infrastructure.
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The UAE Cabinet has approved the nation's official position on artificial intelligence (AI), focusing on the responsible and ethical use of the technology. This policy highlights the country’s commitment to supporting international regulations that hold nations accountable for developing AI tools that could pose risks or cause instability.
The policy advocates for global alliances aimed at governing, securing, and advancing AI systems. It emphasizes the need for responsible AI use through research and development initiatives that promote peace and stability while ensuring security, privacy protection, and data safety.
Omar Sultan Al Olama, the UAE's Minister of State for Artificial Intelligence, Digital Economy, and Remote Work Applications, underscored the UAE’s leadership role in shaping global AI governance. “The UAE has become a key player in global AI policy discussions, actively contributing to the creation of international frameworks that will define the future of AI,” he said.
The policy aims to leverage AI for economic diversification and innovation while promoting the development of high-impact technological solutions. It is built on six core principles: advancement, cooperation, community, ethics, sustainability, and security. These principles ensure that AI development in the UAE aligns with ethical, social, and environmental goals.
Omran Sharaf, Assistant Foreign Minister for Advanced Science and Technology, noted that adopting such policies reinforces the UAE’s position as a global leader in AI. He added, “By aligning the country’s foreign policy with international AI standards, we empower local stakeholders—including private enterprises and research institutions—to address AI challenges on a global scale.
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Starting October 18, individuals seeking access to the Ministry of Human Resources and Emiratisation (Mohre) platforms will be required to log in using the UAE Pass. The ministry announced that traditional login methods, such as usernames and passwords, will no longer be valid and will be replaced by this official digital identity.
The UAE Pass, a unified digital identification system, provides residents and citizens access to a wide range of government services across the country. This update aligns with the UAE’s ongoing efforts to streamline and enhance the accessibility of government services through digital platforms.
Mohre's online services are essential for employers, who regularly use its platforms to handle tasks like issuing and canceling work permits, processing employment contracts, and managing paperwork related to domestic workers. Absconding reports are also processed online through these channels.
By mandating the use of the UAE Pass, Mohre aims to further simplify the digital experience and ensure secure access to its services.
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Sharjah's Ruler has pledged that all Emiratis in the emirate will eventually receive free health insurance, marking a major step forward in healthcare access. Speaking through the Direct Line radio programme, His Highness Sheikh Dr. Sultan bin Muhammad Al Qasimi, Ruler of Sharjah and Member of the Supreme Council, assured residents that the government is committed to providing comprehensive health insurance coverage for all.
Currently, the Sharjah Government offers health insurance to its employees, their dependents, and senior Emiratis. Recently, coverage under the ‘insurance for the elderly’ scheme was expanded to include citizens aged 45 and above. Previously, only residents aged 50 and older were eligible for the government-sponsored plan, as confirmed by Dr. Mohammad Falah from the Sharjah Health Authority’s (SHA) medical insurance department.
“We are approaching the matter with care and diligence,” said His Highness Sheikh Dr. Sultan, emphasizing that while progress may be slow, the government is ensuring that no corners are cut when it comes to providing health insurance for its citizens.
In addition to expanding coverage for those aged 45 and above, Sharjah is also preparing for the mandatory rollout of health insurance for all employees, scheduled for January 2025. While such coverage is already mandated for employees in Dubai and Abu Dhabi, this will be the first-time similar requirements are enforced in Sharjah and the Northern Emirates.
Local authorities are reportedly reviewing health insurance policies in Dubai and Abu Dhabi to develop a basic package that will allow employers some flexibility in offering enhanced benefits. Experts anticipate that health insurance premiums in Sharjah and the Northern Emirates will be more affordable than those in Dubai, providing wider access to healthcare services for the region's residents.
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The UAE introduced a new maritime law—Federal Decree-Law No. 43 of 2023—that came into force in March 2024, replacing the older Federal Law No. 26 of 1981. This reform reflects the UAE's strategic initiative to modernize its maritime laws to meet international standards while maintaining a business-friendly environment. The ongoing reforms are expected to enhance its position as a global maritime hub and foster maritime business growth. Below is an overview of the key changes in the new UAE maritime law and their prospects for the industry.
Vessel Ownership and Registration
Under the previous law, vessel ownership was restricted to UAE nationals or companies with majority UAE ownership. The new law broadens these criteria, allowing entities with a business presence or domicile in the UAE and nationals from other Gulf Cooperation Council (GCC) countries to own UAE-registered vessels. This expansion aims to attract foreign investment by creating a more inclusive environment for maritime business. It is expected to spur growth in related industries such as shipbuilding, logistics, and insurance, further cementing the UAE’s position as a key maritime center.
Additionally, the law facilitates the registration of under-construction vessels and foreign-registered vessels under charter agreements for at least six months. This provision simplifies the process for charterers to operate in UAE waters and enhances the country’s appeal as a shipping center.
Vessel Arrest and Security
The new law enhances the legal mechanisms for vessel arrest by aligning UAE law with the 1999 Arrest of Ships Convention. Previously, arrest procedures were governed by more restrictive provisions under the 1952 convention.
Furthermore, the new law introduces provisions for the arrest of associated ships, allowing a creditor to request the arrest of any ship owned or controlled by the maritime debtor.
Article 56 of the new law provides additional protection for shipowners during arrest. According to this provision, the Court cannot order the arrest of a ship unless sufficient financial guarantee is produced with the application to ensure the security and safety of the ship and its crew during the arrest period.
Another key improvement is the acceptance of P&I Club Letters of Undertaking (LOUs) by the UAE courts. Under the old law, only bank guarantees or cash deposits were allowed to secure the release of arrested vessels. The acceptance of LOUs is expected to reduce frivolous claims and ensure smoother maritime operations.
The new law has also reduced the period for the arresting party to file the substantive case from 8 days to 5 working days following the arrest order. Furthermore, Article 59 of the new law mandates to schedule a hearing within 15 days of issuing the arrest order.
Expanded Scope of Marine Debts
The new law widens the scope of marine debts that justify precautionary arrest. These debts now include, among others, port and harbour fees, environmental damage, insurance premiums, loss of life or injury related to the ship’s operation, and wages owed to the crew.
Shipbuilding and Charterer Registration
The law introduces a specialized register for under-construction vessels, allowing shipbuilders to record contracts, a feature absent in the older law. Charterers of foreign vessels can also now apply to fly the UAE flag, provided the vessels meet the registration criteria. These changes streamline administrative processes and make it easier for foreign companies to operate within the UAE's jurisdiction.
Conclusion
The new Maritime Law provides greater legal certainty and clarity for businesses operating in the maritime sector. By broadening vessel ownership eligibility, streamlining registration processes, and expanding the scope of claims for vessel arrest, the UAE has modernized its maritime sector to attract more global investment and align with international best practices. An important aspect of the law is its emphasis on environmental responsibility and worker protection. By including provisions for environmental damage claims and expanding the scope of marine debts to include crew wages, the law ensures that maritime operators are held accountable for their impacts, aligning with global trends toward sustainable and ethical business practices.
This law not only makes the UAE more competitive but also sets the stage for continued growth in the maritime industry, further solidifying the nation’s standing as a critical global shipping hub. While the reforms are significant, the industry could have benefited from the establishment of an exclusive maritime court to enhance the resolution process for maritime cases.
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In collaboration with First Abu Dhabi Bank (FAB), the Securities and Commodities Authority (SCA) has introduced a new e-service for shareholders to claim unclaimed dividends from locally listed public joint stock companies dating back to before March 2015.
This initiative is part of the UAE government's efforts to enhance public service quality, making processes more efficient and convenient for users. The e-service offers diversified channels, allowing shareholders to submit and track their payback requests through the FAB website. Once the necessary documents are submitted, FAB will review the request and transfer the dividends to the shareholder's account within ten business days.
SCA remains committed to simplifying the process for investors to retrieve their unclaimed dividends, reflecting the government's dedication to meeting public needs and maintaining its reputation for delivering world-class services.
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The UAE has implemented new VAT exemptions for specific cryptocurrency and virtual asset activities following recent amendments to the Executive Regulations. Approved by the UAE Cabinet, these updates clarify which digital assets are eligible for VAT exemption, with a focus on assets intended for investment purposes.
The exemption applies to digital assets that can be traded or converted, excluding fiat currencies and financial securities. It covers services related to the transfer, conversion, storage, and management of virtual assets, including cryptocurrency trading, as long as these services are not provided for a fee, discount, commission, or similar compensation.
The amendments also extend to investment fund management services, covering activities such as fund operations management and investment monitoring. This move aims to strengthen the UAE’s position as a global hub for investment activities and support the growth of the financial sector.
Businesses involved in these exempted activities are advised to review their financial strategies, as VAT incurred on related expenses may not be fully recoverable. The amendments will take effect on November 15, 2024.
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Sharjah has recently announced a significant step towards regulating family businesses, a move aimed at fostering stability, improving governance, and ensuring the smooth transfer of assets across generations. The initiative comes as family-run enterprises play a critical role in Sharjah’s economy, and the regulation is expected to address key challenges these businesses face, including succession planning, governance structures, and dispute resolution.
Family businesses in the UAE, and Sharjah in particular, contribute substantially to the overall economy, employing a significant portion of the workforce and representing a large share of private sector activity. However, such businesses often encounter difficulties related to leadership transitions, differing visions between family members, and unclear ownership structures, leading to internal conflicts that can impact their long-term sustainability.
A Strategic Approach to Sustainable Growth
The decision to regulate family businesses aligns with Sharjah’s broader goal of fostering economic resilience and ensuring the longevity of family enterprises. Authorities in Sharjah aim to create a legal framework that will help family-owned businesses establish transparent governance practices, thus reducing the likelihood of disputes among family members. The regulation will focus on formalizing decision-making processes, clarifying roles and responsibilities, and setting guidelines for conflict resolution, which are crucial for preventing business disruption due to internal disagreements.
One key aspect of the regulation will address succession planning. Family businesses often struggle with leadership transitions from one generation to the next, leading to potential power struggles or inefficiencies. By providing a clear legal framework for transferring ownership and leadership, Sharjah aims to ensure smoother transitions and continuity in management. This initiative will help preserve family businesses’ contributions to the economy while protecting the interests of both current and future generations.
Resolving Disputes Efficiently
In addition to governance and succession planning, the regulation will introduce mechanisms to resolve disputes in a more structured manner. Family businesses often face conflicts due to differing opinions on strategic direction, financial management, or asset division. These disputes, if left unresolved, can lead to fragmentation or even dissolution of the business.
Sharjah’s regulatory framework will facilitate mediation and arbitration services tailored specifically for family businesses, allowing for more amicable resolutions without resorting to lengthy court battles. This proactive approach aims to mitigate conflicts early on, helping businesses focus on growth rather than internal struggles.
Economic Impact and Long-Term Vision
Sharjah’s decision to regulate family businesses reflects its recognition of the sector’s importance to the economy. With family businesses contributing to various industries, including retail, real estate, and manufacturing, the new framework is expected to foster stability and growth across multiple sectors.
By safeguarding these enterprises from internal disputes and fostering better governance, Sharjah hopes to enhance the long-term sustainability of family businesses, ensuring they continue to thrive for generations. The regulation also signals to investors and stakeholders that the emirate is committed to creating a business-friendly environment that encourages growth, innovation, and economic resilience.
Conclusion
Sharjah’s announcement to regulate family businesses marks a pivotal step in supporting one of the most vital sectors of its economy. By addressing key challenges such as succession planning, governance, and dispute resolution, the emirate aims to create a more stable and sustainable business environment. This forward-thinking approach not only benefits family-owned enterprises but also reinforces Sharjah’s commitment to fostering economic growth and resilience in the UAE.
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With the rising demand for US visas, residents of the UAE are experiencing long delays in securing appointments. Current estimates indicate that applicants from certain countries could face wait times of nine to 12 months, with some nationalities experiencing delays of up to two years.
According to Anastasia Yanchenko, Commercial Director of Visa Services, the wait times vary based on the applicant’s passport. "UAE passport holders generally have shorter waiting periods compared to applicants from countries with higher demand and fewer available appointments," she explained. For example, UAE citizens enjoy a more streamlined process, while the wait time for Indian and Russian passport holders is around one year. For Iranian nationals, the wait can extend up to two years.
A contributing factor to these delays is the global nature of US visa applications. Many applicants from countries lacking US embassies, or those facing visa rejections in their home countries, apply through the UAE, further increasing the number of applications and causing bottlenecks. Additionally, Dubai is often seen as a temporary stop for individuals seeking to travel to the US, which further compounds the delay.
Countries such as Oman and Kyrgyzstan have implemented local restrictions on US visa applications, limiting them to those with local residence permits. This has led to an influx of applicants seeking visas from the UAE.
To address these challenges, there are services available that help expedite the visa process. Specialists can assist in navigating the appointment system, helping applicants secure available slots more efficiently.
To minimise the risk of a visa refusal, applicants should follow essential guidelines:
While long wait times are frustrating, understanding these factors and taking the right steps can help applicants navigate the US visa process more smoothly.
Fast-Track Entry for UAE Passport Holders
A recent agreement between the UAE and the US has introduced expedited entry for UAE passport holders traveling to the United States. UAE citizens with valid US visas can apply for the Global Entry programme, which allows them to bypass regular queues upon arrival at selected US ports of entry, eliminating the need for traditional immigration processing.
To apply for Global Entry, travellers must provide personal details such as their age, place of birth, employment status, citizenship, and any previous visa rejections or criminal history. The interview process lasts between 10 to 30 minutes, during which applicants must present their identification documents and explain their reasons for visiting the US.
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The UAE Cabinet has announced amendments to the Value Added Tax (VAT) law, introducing significant new exemptions. These changes, revealed by the Ministry of Finance, are part of an ongoing effort to enhance transparency and streamline the country’s tax regime.
Among the key amendments are VAT exemptions on three key services: investment fund management services, certain services related to virtual assets, and in-kind donations exchanged between charitable and government entities. Previously taxed at 5%, these services are now exempt to encourage investment, stimulate economic growth, and support charitable activities.
In particular, in-kind donations valued at up to Dh5 million, exchanged between charities and governmental bodies within a 12-month period, will be free from VAT. This exemption aims to maximize the benefits of goods received by charitable organizations.
Additionally, the Federal Tax Authority (FTA) has been granted the authority to de-register taxpayers in certain cases, a measure aimed at tightening tax compliance and further refining the tax environment.
Younis Haji Al Khoori, Undersecretary of the Ministry of Finance, highlighted the ministry's commitment to working with both public and private sector stakeholders to update regulations and improve the UAE's business climate. “These amendments are designed to simplify procedures for taxpayers and reduce misunderstandings, aligning with international best practices,” he said.
The amendments also reflect lessons learned from previous experiences, feedback from the business community, and the recommendations of stakeholders. The changes align with provisions in the GCC Unified VAT Agreement and updates outlined in Federal Decree-Law No. 18 of 2022, which amended the original Federal Decree-Law No. 8 of 2017 on VAT. This move is expected to enhance the business environment and improve the overall quality of life in the UAE.
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The Central Bank of the UAE (CBUAE) has taken decisive action against an unidentified Islamic insurance provider, or takaful insurer, suspending it from issuing new motor and health insurance contracts. The decision comes after the insurer failed to meet the minimum capital requirements mandated by the country's regulatory framework.
In a statement issued on October 2, 2024, the CBUAE emphasized that the takaful insurer now has a six-month window to address its solvency position. The insurer must work to restore its capital levels in accordance with the bank’s guidelines during this period. Failure to comply within the specified timeframe could result in further regulatory measures.
While the central bank has not disclosed the name of the insurer involved, the suspension reflects the CBUAE's commitment to maintaining the financial health and stability of the insurance sector. By enforcing capital adequacy requirements, the CBUAE aims to ensure that insurers have sufficient capital to meet policyholder claims and withstand financial shocks, particularly in high-demand areas such as motor and health insurance.
Takaful, a form of cooperative insurance that complies with Islamic principles, operates on the basis of mutual assistance among policyholders. Given the importance of takaful in providing Sharia-compliant financial services, the regulator's strict enforcement of capital requirements is seen as vital to sustaining market confidence and protecting policyholders.
The CBUAE's move highlights its ongoing efforts to strengthen the regulatory environment and safeguard the stability of financial institutions across the UAE. The central bank continues to monitor the market closely, ensuring that insurers operate within the boundaries of prudential standards set to protect consumers and uphold the integrity of the financial system.
This action serves as a warning to other financial institutions in the UAE that non-compliance with regulatory standards, particularly in areas critical to the financial health of insurers, will not be tolerated. The suspension of new contracts will remain in place until the takaful insurer demonstrates full compliance with the capital requirements and addresses its solvency challenges.
As the situation unfolds, the CBUAE will continue to provide oversight and ensure the insurer's actions align with the country’s robust regulatory framework.
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While home insurance is typically associated with property purchases, it’s equally relevant for tenants in the UAE. Even if you don’t own the property, home insurance can protect your personal belongings and household contents, making it a worthwhile investment for renters.
Can Tenants Get Home Insurance?
Yes, tenants in the UAE can insure their personal items and household contents. Home insurance can cover valuable possessions like electronics, appliances, furniture, and other personal items within the rented property. The rising interest in home contents insurance, especially after the heavy rains in April this year, highlights its growing importance.
What Should Tenants Insure?
If you're renting an apartment or villa, home insurance can provide coverage for various items inside your home. This includes furniture, fixtures, electronic devices, luxury items such as rugs, paintings, and even antiques. The insurance policy can be tailored based on what you want to insure, ensuring protection in cases of fire, theft, flooding, or accidental damage. It’s crucial to declare any high-value items (typically over Dh10,000) when purchasing the policy to ensure proper coverage.
How Can Tenants Apply for Home Insurance?
Step 1: Assess Your Belongings Start by listing all the items you want to insure, along with their approximate values. This inventory will help determine the coverage level you need.
Step 2: Find an Insurance Provider Search for an insurance provider or broker. Most brokers have websites where you can fill out a form detailing the items you want to insure.
Step 3: Compare Premiums After submitting the form, you'll receive quotes from various insurers outlining the coverage and cost. Compare these options to find the one that best suits your needs.
Step 4: Make the Payment Once you’ve chosen a policy, complete the payment through a provided link. You will receive the policy document via email within 24 to 48 hours.
Importance of Timely Renewals
It’s essential to renew your home insurance policy on time. Many people overlook this, especially if they haven’t experienced any losses in recent years. However, insurance is meant to protect against unforeseen events, and failing to renew the policy could result in significant financial losses if something unexpected occurs.
How to Make an Insurance Claim
In case of damage or loss, tenants need to provide proof, such as purchase receipts or valuations of the damaged items. If you don’t have a receipt, a certified valuator can assess the item, and insurance providers can help connect you with one. Once the claim is submitted, the provider will assess it and disburse the appropriate amount.
Home Insurance Best Practices
When choosing a home insurance policy, consider these best practices:
By following these guidelines, tenants in the UAE can protect their belongings and enjoy peace of mind, even in a rented home.
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ADNOC has finalized a landmark deal to acquire Covestro, a leading global chemical company, through a cash takeover offer of Dh254 (62 euros) per share to all Covestro shareholders. The German plastics manufacturer confirmed its acceptance of the offer, which values the company at 12 billion euros ($13.3 billion).
This acquisition marks a significant milestone in ADNOC's international expansion strategy, particularly in its focus on chemicals, gas, LNG, and low-carbon energy sectors. The deal aligns with ADNOC's Board-mandated strategy to grow its presence globally, with the goal of becoming one of the top five chemicals companies worldwide.
Expanding ADNOC’s Chemical Portfolio
Once the transaction is successfully completed, Covestro will serve as the foundation of ADNOC's performance materials and specialty chemicals division. This move is expected to diversify ADNOC's chemical portfolio and support its long-term growth ambitions in the global chemicals market. Covestro's specialty chemicals expertise aligns with ADNOC's vision of sustainable growth and innovation in advanced technologies, such as artificial intelligence (AI).
Dr. Sultan Ahmed Al Jaber, Minister of Industry and Advanced Technology, Managing Director, and CEO of ADNOC, emphasized the strategic nature of the partnership. "Covestro, as a global leader in high-tech specialty chemicals, brings invaluable expertise in advanced materials and AI technologies. This acquisition is a pivotal step in ADNOC’s journey toward becoming a top five global chemicals company," said Al Jaber.
He added, "This strategic partnership will not only deliver long-term value but also reinforce our commitment to diversifying ADNOC’s portfolio through disciplined investment in key assets."
Growing Demand for Chemicals
The global demand for petrochemicals is projected to grow at an average of 2% annually between 2024 and 2050, with the market expected to double by mid-century. Covestro’s portfolio of high-performance materials, used in various sectors from electronics to automotive, positions it as a critical player in meeting this growing demand. Its products, such as films for head-mounted displays and materials for virtual reality devices, highlight Covestro’s role in the integration of AI and digital technologies into everyday life.
Covestro's global reach, particularly in the Asia-Pacific and North American markets, is a key asset for ADNOC as it expands its international presence. With more than half of its revenues generated from these regions, Covestro’s extensive market footprint makes it an attractive investment for ADNOC.
A Shared Vision for Sustainability and Innovation
Covestro CEO Dr. Markus Steilemann expressed confidence in the partnership with ADNOC, stating, "This agreement with ADNOC International is in the best interest of Covestro and all our stakeholders. ADNOC’s financial strength and long-term vision will provide a solid foundation for our sustainable growth in key sectors, enhancing our ability to contribute to the green transformation."
Steilemann also highlighted the complementary growth strategies of both companies, with a shared commitment to sustainability, advanced technologies, and innovation forming the cornerstones of the partnership.
Covestro, headquartered in Germany, is known for its production of polyurethanes, polycarbonates, and performance materials essential for industrial applications. The company’s expertise, coupled with its industry-leading technologies, will further ADNOC’s efforts in expanding its chemical footprint and drive innovation in sustainable materials.
Next Steps
The takeover is subject to a minimum acceptance threshold of 50% plus one share of Covestro’s issued share capital, along with customary regulatory approvals. Once these conditions are met, the acquisition will proceed, positioning ADNOC as a significant player in the global chemicals industry and solidifying its commitment to strategic investments in sustainable, high-growth sectors.
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The UAE's Ministry of Economy unveiled the National Economic Register (Growth) on September 30, a platform that serves as the largest economic database in the country. The platform offers a unified, real-time source of information on all commercial licenses for companies operating across the UAE.
The "Growth" platform allows businesses and investors to explore economic activities, as well as commercial and investment opportunities in various sectors. It also supports government efforts to reduce bureaucracy and improve the efficiency of public services using advanced AI technologies.
Abdulla bin Touq Al Marri, Minister of Economy, emphasized that the platform is the first of its kind in the UAE, providing a reliable, comprehensive database on business licenses for over 4,000 economic activities across the seven emirates. It enables users to verify company information, analyze market trends, and access accurate statistics for informed decision-making and policy development.
In addition to aiding businesses, the platform allows government entities to manage economic activities digitally, further enhancing the competitiveness of the UAE’s economic landscape.
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The Federal Tax Authority (FTA) in the UAE has officially extended the deadline for businesses to submit their corporate tax returns. The new deadline, now set for December 31, 2024, applies specifically to short tax periods that end on or before February 29, 2024. This extension provides businesses with additional time to comply with the UAE's evolving corporate tax regulations.
Who is Affected by the Extension?
The extension is particularly relevant for companies that have short tax periods, which typically occur when a business is either newly established or changes its financial reporting year. These businesses, whose fiscal years end before February 29, 2024, now have until the end of 2024 to file their corporate tax returns.
This change is expected to provide much-needed relief for businesses that may have been struggling to adjust to the UAE’s relatively new corporate tax framework. The extension allows businesses more time to ensure that their financial records are accurate and complete, helping to avoid the risk of penalties for late filing or incorrect submissions.
Rationale Behind the Extension
The decision to extend the filing deadline aligns with the UAE government’s commitment to fostering a business-friendly environment. The introduction of corporate tax in the UAE, which took effect in 2023, marked a significant shift in the country's tax policy, impacting companies that were previously accustomed to operating in a largely tax-free environment.
Recognizing that businesses need time to fully adapt to the new corporate tax requirements, the FTA’s decision to extend the deadline provides companies with the opportunity to carefully assess their tax liabilities, file accurate returns, and ensure full compliance without undue pressure.
The extension also comes as businesses across various sectors are navigating a rapidly changing global economy. Many companies are still recovering from the economic impacts of the COVID-19 pandemic and adjusting to new regulations, both locally and internationally. By granting additional time, the FTA is offering a buffer that can help businesses ease into the new corporate tax regime.
Importance of Corporate Tax in the UAE
The implementation of corporate tax is part of the UAE’s broader strategy to diversify its economy, reduce reliance on oil revenues, and bring the country’s tax policies in line with global standards. By introducing a 9% corporate tax rate, the UAE has joined other major economies in establishing a formal tax framework for businesses operating within its borders.
The introduction of this tax is also aligned with global efforts to combat tax avoidance and ensure a fair and transparent tax environment. The UAE has taken significant steps in recent years to enhance its tax governance, including adopting measures to counter money laundering, implementing VAT in 2018, and establishing free zones where certain tax exemptions apply.
What Businesses Should Do Next
With the new deadline in place, businesses should prioritize reviewing their financial records and ensuring that they are in full compliance with the corporate tax regulations. Companies are advised to engage with tax professionals and auditors to properly assess their tax obligations and make use of the extended period to file accurate returns.
It is also important for businesses to stay informed about any further updates from the FTA regarding corporate tax rules and regulations. The FTA is expected to issue more detailed guidelines as the filing deadline approaches, which will help businesses understand how to comply with the new tax framework.
Conclusion
The extension of the UAE corporate tax deadline to December 31, 2024, provides a welcome reprieve for businesses still adjusting to the new tax regulations. By granting additional time, the FTA is demonstrating its commitment to supporting the UAE’s business community during a period of significant regulatory change. As the country continues to diversify its economy and align with international tax standards, businesses should take full advantage of the extension to ensure they are compliant with all corporate tax requirements.