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09 – Master Your Mind and Money

Master Your Mind and Money

Episode #09 | Master Your Mind and Money

As we’ve mentioned in our last episode, 2020 has been a really challenging year for all of us. It has affected not only our businesses but also our lifestyles, relationships, hobbies, interests and even our priorities. One area of our life that has also been greatly impacted is our finances. And so, we believe that with a little bit of planning and from what you’ll learn from this episode, we can turn 2021 into our best financial year yet.
We’re so honoured to have Margaret Mekaat here with us today. She is a financial well-being coach, and she helps clients in Dubai and all over the world take control of their day to day finances and achieve financial freedom to make choices that will allow them to enjoy life.
Join us as she shares with us some tips on how to master your mind and money, what’s really stopping us from reaching our financial goals, what we can do to break free from our limiting beliefs, and how we can live a life of fulfillment and purpose by having the right mindset and strategies in place.
Whether you are a business owner, an employee, a university student, a home baker, or even a manager of the household, you can learn so much from this, we urge you to take notes because you will get so much value from this.

Episode Highlights:


Over the next week, start implementing these tips. – Come and tell us what were the gaps that you need to work on, and – tell us which of these areas was the most impactful for you.


Learn more about Margaret Mekaat and check out her website: margaretmekaat.com

Warsha 00:01
Welcome to the Dare to Scale Show with me Warsha.

Evan 00:05
And me Evan.

Warsha 00:06
So, what is Dare to Scale? Over the years that we’ve been coaching founders and business owners, much like yourselves, we’ve worked through a framework called Dare to Scale.

Evan 00:18
Dare to Scale indeed. That framework has helped loads of business owners. That is what this show is all about. So, put on your big picture thinking hat. 

Warsha 00:28
Oh and your headphones, and come join us and enjoy the ride.

Warsha 00:36
Hello, and welcome to another episode of Dare to Scale. We are coming fairly close towards the end of this year, and we have a wonderful special guest for you. And we’ll tell you all about her in just a couple of minutes.

Evan 00:52
Hi and great to be with you. Today we’re speaking with Margaret Mekaat, who is a financial well-being coach, and we’ve known Margaret for many years now and she’s doing amazing things in Dubai. Margaret welcome!


Margaret 1:05

Thank you, Evan, and thank you Warsha.


Warsha 1:07
Thank you for being here, and not just in Dubai, Margaret actually coaches globally.


Evan 1:13
That’s true.

Warsha 1:14

Yes, of course. And it really is, we thought the year that it has been has brought financial literacy and the urgent need for being able to smartly manage your money has brought this into awareness.

Evan 1:27
Yeah totally.

Warsha 1:28
So yeah, Evan, Margaret and I were talking about this some time ago and we thought, do you know what, as one of the closing episodes of this year, I think, Margaret is perfect for this.

Evan 1:39
Because without lines we are going through the planning process for 2021, and it’s a good time to take stock, put plans in place and move forward.

Warsha 1:48
Yes. And the other thing also is not just for business owner.

Evan 1:52
Oh yeah.

Warsha 1:53
Whether you’re a professional, employed, for your university student, your homemaker or a school going young person having financial literacy is crucial for this day and age it always has been, add more so today. So, a very warm welcome to you, Margaret. Thank you for joining us today. Thank you so much for your time.  

Margaret 2:16
Thank you Warsha and Evan and Thank you so much for having me on your show. It really means a lot. Thank you.

Warsha 2:22
Oh Wow. The pleasure is ours.

Evan 2:24

Warsha 2:25
And Margaret, before we go directly into the topic of the day, we would like to hear a little bit more about first of all, you, we don’t normally come across, financial well-being coaches. So, this is an unusual topic as sort of a rare find if I may. So, tell us a little bit about why financial well-being. And why do you do what you do.

Margaret 2:48
So Warsha, I mean you know when we speak about financial well-being, people mostly associate that with corporate wellness programs as you as you rightly said, and yet it applies to every one of us. Financial well-being is defined as being in control of your day-to-day finances and having the financial freedom to make choices that allow you to enjoy life. Now, why I do what I do. Well, over the years, I have helped hundreds of people who are in extreme severe financial crisis, now the eye opener for me was, I realized by not having a proper mindset and strategy in place, we would repeatedly, hit that glass ceiling. And in my own life. I found that there was a glass ceiling that I was hitting that I couldn’t get through. And it was when I got in touch with my inner self and on my spiritual journey.

Warsha 3:45

Margaret 3:46
That I discovered that I had not yet found my purpose, and when I found my purpose, that’s when I was able to get past those limitations, get past those limiting beliefs and really operate from an abundant mindset.

Warsha 4:00

Margaret 4:01
So, my mission is to help people to work on their well-being, which is financial mindset and money.

Warsha 4:07
Very nice.

Margaret 4:08
It’s about working from the inside out.

Evan 4:10
Oh lovely.


Margaret 4:11

Understanding first what is our relationship with money? Before we implement the strategies and plan and grew our finances you know because I found that you have the most solid financial strategy and technique in place, but unless you have the right mindset around it.

Warsha 4:26

Margaret 4:27
It is not gonna work. So, it’s about visiting your financial past before you get to do financial present on how you manage your money, and then the address your financial future. To see how you build well.  

Warsha 4:40

Evan 4:41
Love it.

Warsha 4:42
Absolutely brilliant. I love it too.


Evan 4:45
What do you mean by relationship with money. That really intrigues me.

Margaret 4:49
So, we all have a relationship with money. It’s usually related with our childhood.

Evan 4:54
Ah okay.

Margaret 4:55
It’s one of the money stories you know so it’s what is it that you’ve been taught. What is that you heard from probably your parents, your culture and I think Warsha we discussed this the other day isn’t it about how those. These are the things that actually affect us in our relationship.

Warsha 5:11
We did.

Margaret 5:12
So, when you realize that money is emotional, you know, and there’s an emotional relationship attached to it. You’ve got to first address that. And if that relationship is not healthy then it’s time to change it.

Evan 5:25
Is it something that’s immediately apparent when you’re working with the clients.

Margaret 5:30
So, what happens is that when you find a client, going into that same routine, getting into that fighting that same area you could say.

Warsha 5:38

Margaret 5:39
Over and over again. And, you know that they’re going in that circle, there is something more deeper.

Warsha 5:45
As a pattern forming.

Margaret 5:46
There is a pattern forming and you’ve got to deal with the fear you got to deal with that over whelm what it is. And that does come through while coaching.

Evan 5:56
Wow amazing wow.

Warsha 5:58
Absolutely wonderful. Can’t wait to get into it. So, before that I still have one more question about you, Margaret. So, what is the big dream.

Margaret 6:09
Oh Warsha, I love that question.

Warsha 6:10
What is the big dream?

Margaret 6:11

You know my dream is really big and it is to empower and educate and serve 1 billion people. Over the next two years to master their mind and money and embark them on their God given assignment for their life.

Warsha 6:25

Evan 6:25
It’s powerful

Warsha 6:26
Those are big goals and so powerful, and the beauty of that for me translated is your big goal is to have 2 million people and. On the flip side, it is 2 million people who are going to turn around and say, wow, we have come out of this because this amazing coach who actually stood by us and helped us. That is brilliant. Margaret, thank you so much for sharing that big dream with us, and with all our listeners. This is wonderful.

Margaret 6:55
Thank you Warsha I am so excited you know.

Warsha 6:58
Oh, you bet I get, we can hear it in your voice. This is so wonderful. Okay, so what Margaret according to you would be some of the things that our listeners can do to get to that financial health the ideal financial health, or and even getting that mastery over, managing their money, and their mind about money. What are some of the things that you can share with our listeners?

Margaret 7:29
Okay, Warsha it’s very simple and I’m really excited to talk about it because these are the 4 T’s to master your mind and money. Okay

Warsha 7:37
Waiting for it Okay

Margaret 7:38
4 T’s yes

Warsha 7:39
Okay so T as in Tango the letter T.

Margaret 7:43
T as in Tango

Warsha 7:44
Oh okay so 4 T’s to master your mind and money. Go for it, the mic is yours.

Margaret 7:51
Alright. The first T is transform. Now, this is really about renewing your mind and transforming those limiting beliefs and thought patterns, you know, which are not working for you.

Warsha 8:03

Margaret 8:04
You see, are codes trigger emotions and what we feel triggers, our behavior. So, it’s important to have a deep inner dialogue with yourself and dig into what your money story is, what emotions come up that drive our behaviors. What are those beliefs that are in your subconscious that is stopping you to break through the glass ceiling, so that you can replace those habits and behaviors that are not serving us. Now transform.

Warsha 8:33
Wow nice

Margaret 8:34

Is also transforming from a scarcity mindset to a abundant mindset by reframing your thought process. For example, you change it from say I can do that or I can’t find a way out to, how can I do that. How can I find a way out of this, you know so realizing that there is more than enough for every person on this planet, and more you know it’s abundance everywhere. So, to summarize transform your relationship with money and operating from a abundant mindset.

Evan 9:12

It sounds like a wonderful reframe it’s not happening to you it’s happening for you. Taking that lesson and then moving forward. Amazing.

Warsha 9:20
What you said earlier, also reminded me of that learning ladder isn’t it? oh I can’t do it. I don’t know how to do it and then learning how to do it and eventually I did it.

Margaret 9:29

Warsha 9:31
It just reminded me of that so brilliant so the first T is transformed.

Margaret 9:36

Warsha 9:37
Very nice. Please continue.

Margaret 9:39
Sure so, the next T is target. Now this is all about your purpose. What purpose does money, serve in your life? You got to think big picture, Warsha this I have learned from you think big picture.

Warsha 9:52
Oh you are very kind.

Margaret 9:54
You know, yes money does allow you to buy things, but let’s think deeper, what the money truly enable you to do, does it allow you to create family memories, position your child to create opportunities, give to charities, you know these things that lay the foundation for your vibe behind money they are the other values that money helps you fulfill. These questions are the building blocks for your personal belief. It will dictate how you’re going to approach your financial life. Are you just going to survive, or are you going to thrive?

Warsha 10:26

Margaret 10:27
So the question to ask.

Warsha 10:28
Very nice.

Margaret 10:29
To find a purpose is one of those things that only I do so well that people recognize me for, you know, maybe it’s a talent, or hobby, your ability to listen, your methods to resolve an issue, your innovative processes, what is it that I find a sense of ease to do, and do it repeatedly which gives me joy in doing that.

Warsha 10:52

Margaret 10:53
Or what is the problem that I can solve for some so you ask ones purpose so important. You see, without a purpose really don’t have anything to live for, your financial success is in your DNA. Only when you find a real purpose, will your life change, and you will stop operating from a scarcity mindset. You will now be in position to have total clarity, how to set life changing goals in line with your purpose. So, target is also about setting life changing goals. Again, something that I’ve learned from you Warsha and, you know, that is, think 10 steps ahead.

Warsha 11:34

Margaret 11:36
Well so, what is your one year, five year your ten-year goal, your target that by drawing the roadmap to reach it, you know by breaking it down to actionable steps that are time bound and hold yourself accountable with an accountability partner. You also want to think, 10 steps ahead.

Warsha 11:56
Very nice.

Margaret 11:57
To make sure the decisions are in sync with your purpose.

Warsha 12:00
Very nice.
Margaret 12:01
So, for me I believe I think that steps, is like a litmus test to see what those implications are. You got to go into that childlike mindset where you throw off those curious questions to the universe, to yourself, how will this impact the bigger picture. So, to summarize target, it is to find your why, your purpose and set life changing goals.

Warsha 12:28
So nice, so something that you said earlier Margaret, about money and that abundance mindset and the connection with a purpose, correct me if I’ve got this right. So, what you’re basically saying is money is a means to an end. So, it’s not about the money. It is about the bigger goals that you said, the money just enables you to reach those goals.

Margaret 12:49
Absolutely. Money is a tool you know.

Warsha 12:52

Margaret 12:53
To get to. So, it’s all about your purpose if your calling.

Warsha 12:55

Margaret 12:56
Money will follow you and overtake you anyway so.

Warsha 13:00
Yeah. Evan you were saying something.

Evan 13:02
Absolutely. Margaret one of the things I think you mentioned was budgeting and sort of putting a plan together, how difficult is it for people if they have not done it before to actually put that budget together.

Margaret 13:14

Well Evan, it’s really not difficult to put a budget together. It’s about keeping that habit of doing it, and maintaining that consistency. I guess today, you can download apps you can download, there are so many ways to do your budgeting. And the key here is having that mindset of being consistent and doing it. And really customizing it so it’s not about being so rigid and you’ve got to do it this way. No, it’s about putting in that habit, and over period of time, it will actually fall in place, because it does need a bit of tweaking, it’s not that you get it right the first time. So, there will be changes they will be until, it kind of works for you. And so, it’s going to be a tool that works for you it’s not something where you.

Warsha 13:58

Margaret 13:59
Feel overwhelming like you feel like oh my god, it’s not working.

Warsha 14:02

Margaret 14:03
Because it will not work, if it’s something that you don’t like to do.

Evan 14:06
And we’re going to give tips later on, what’s a good tip to actually stick to a budget.

Margaret 14:12
So, it’s the way that you stick to a budget as you make those right allocations. Okay, and what I usually tell my clients to do is once we break that down, put them into multiple accounts.

Evan 14:25

Margaret 14:26
So, you segregate those accounts, you don’t have just one saving account where everything is in one place, so you’ll have it in separate accounts, you’ve given them all, a task you moved that money away, and it’s out there doing its job.

Evan 14:39

So, it participant, I love it.

Warsha 14:40
Very nice.

Evan 14:41
I am one of the finance guys you know.

Margaret 14:42

Evan 14:43
Those are the things that easy for me and I’m just wondering, in your coaching how you’ve helped me sort of find that discipline.

Margaret 14:50

Evan 14:51
And move forward with that discipline. Amazing lovely.

Warsha 14:52
That discipline just reminds me of a story if I may share that very quickly that this is something that I heard from my father and his father used to do that is, and that sort of was instilled in all of us as we were growing up. And my grandfather was a very resourceful man and he used to hate wastage. So, he would literally take used envelopes, cut them open, after them around inside out and cut them into diary size paper and staple them together or tie them together in those days, and use that as diary, your daily diaries.

Evan 15:27

Margaret 15:28

Warsha 15:29
I know. That’s why, even today, I cannot throw, discard a piece of paper, Margaret I’m sure you remember, I have a clipboard with all the used paper overturned to use the back of it. But getting back to the point, every single day, my grandfather and my father and I bet I am sure whole lot of people in my family. Every single evening, they would sit down and write everything they spent in those days in Indian money, even if they spent 10 paisa to buy a packet of peanuts, they would write it down. Every single day, every and they would tally, what cash they started with in their pocket. In the morning, and what did they spend and what’s in their hand. That used to be a routine. My granddad my dad would never even sit down for dinner, unless that was completed. So, just that matter of discipline in knowing where have you spent.

Evan 16:26

Warsha 16:27

To me, that was quite a revelation and even today it’s such a strong habit, you know, so I totally get what you’re talking about. When you say discipline it’s a matter of just doing it.

Margaret 16:38
Yes absolutely.

Evan 16:40
This is like eating a frog right you don’t want to.

Margaret 16:42
It is.

Evan 16:43
But you do because.

Warsha 16:43

Evan 16:44
It is important.

Margaret 16:43
Absolutely yeah, absolutely. That’s a lovely story and it kind of ties in well with you know the next T that I’m going to talk about.

Warsha 16:50
Go for it.

Margaret 16:51
You know the next one.

Warsha 16:52
Go for it.

Margaret 16:53
Is actually track and trim, you know, this is about tracking your finances, now finding your starting point of where you are and taking control of your money and telling it where to go, you know, so it’s about operating as a good steward. You know your money goes where money flows.

Warsha 17:11
Oh nice.

Margaret 17:12
So you add the law of giving monthly finances and allocate the funds and give your money a job to do. So that’s really important about track now trimming is, for example, if we look at the meaning of trimming an agriculture, Warsha it’s when you’re cutting back overgrown plants. Okay. So.

Warsha 17:33

Margaret 17:34
What are those spending habits, keeping up with the jones syndrome, you know, those overgrown plants that you need to trim from your life. So, you know, to summarize track and trim is tell your money where to go and trim back.

Warsha 17:49
I am just loving it.

Evan 17:51
I am making serious notes.

Warsha 17:52
I am making notes as well, oh my goodness, that is why I was quiet for a couple of seconds because I’m actually writing the two things that you said earlier Margaret, and I it was beautiful, money goes where money flows.

Evan 18:04
Yeah, and give your money, a job to do.

Warsha 18:05
And give your money, a job to do.

Margaret 18:07
Absolutely and you add the law of

Warsha 18:08

Margaret 18:09
Your monthly finances that’s important as well because you know, that’s why money flows.

Warsha 18:14

Margaret 18:15
Money goes where money flows.

Warsha 18:16
And proved see where and  

Margaret 18:18

Warsha 18:21
Absolutely. This is such an, you know, most of this is not rocket science and yet we don’t connect these dots.

Margaret 18:28
I think there are so many people who are actually, you know, who are actually doing this, you know, keeping up with the jones their lifestyle.

Warsha 18:36
Keeping up with the joneses.

Margaret 18:27
Absolutely you know and also you only need to trim back and see, do I need to do that.

Evan 18:43
There was a question I am sort of pondering in these days just how this year has been, you can’t see the jones so how can keep up with them.

Warsha 18:51
That is true. And yet we don’t think of it like that. Yes?

Margaret 18:53
Yes, absolutely.

Warsha 18:58
This conversation is getting better and better. Margaret. This is fabulous. Please, over to you.  

Margaret 19:03
I want move on with the last one and that is train. You know this is really about making a commitment to yourself to be a lifelong student, you know, training yourself by learning from mentors, learning new skills and surround yourself with people who add value to your life, reading books on self-development and finance, you know equipping yourself with the tools to generate multiple streams of income, so that your money works for you, even in your sleep. Another thing that is important is that you want a healthy body to drive you towards your vision and purpose.

Warsha 19:40

Margaret 19:41
So, train your body, not just to lose weight with healthy eating and exercise habits, but to really take care of it with the mindset that, your body is a vessel to be used for a greater purpose, you know, and that just.

Warsha 19:55

Margaret 19:56
Takes it to a different level. You know that it’s that important. You know, so you meditate on positive affirmations and scriptures, you know. But most importantly, and this is really key, train yourself to start and end your day with gratitude, because you know Warsha, gratitude is the key to everything.

Warsha 20:17
You bet it is.

Margaret 20:18
Break through that glass ceiling and to experience a level of gratitude, beyond anything that you’ve ever experienced. You know, so, create a vision board, attach that gratitude on how you want your life to actually roll out and live a life inspired so you can be an inspiration and a blessing to the world, because you know, here’s a thing. When you are a blessing and an inspiration to the world, people just want to be involved and naturally want to participate in helping you to fulfill your dreams and aspirations. So, it’s not about chasing your money.

Warsha 20:55
So, Margaret. There is one thing that you said right towards the end, that is still swirling in my head, which is you can be a blessing and inspiration to the world. Thank you for saying those words. I don’t know what it is about that. And yet I know that the deeper I keep thinking about that. The deeper the meaning is going to be. Some of the things that you’ve been saying that are really triggering a whole lot of thought, wonderful thoughts. So, I just want to highlight that that you can be a blessing and inspiration to the world. So, live your life like that is basically what you’re saying.

Margaret 21:32

Warsha 21:33

Margaret 21:34
And what happens as I said earlier is that once you do that, you know, people around you they want to be involved and want to participate in helping you to fulfill your dreams and aspirations.

Warsha 21:46
You bet.

Margaret 21:47
That’s how you know the money actually keeps flowing in without you even running behind it.

Warsha 21:52
You bet.

Margaret 21:53
So, you know to summarize train I would say practice gratitude, create a vision board, be a lifelong student and inspire others.

Warsha 22:04
Very nice.

Evan 22:05
Inspire other, nice very powerful

Warsha 22:06
Very very nice, Evan over to you.

Evan 22:07
Ah totally love it. There are so many wonderful, wonderful tips here and as a finance guy, you know, in the in the big corporate world it’s one thing to do a budget there but it’s quite another thing to do one for yourself. And just the power of just taking ownership. And, like you say, money goes where money flows forgot that the right way around it and it’s absolutely true give it a job to do, and have it work for you. That’s one of the biggest things and you’re talking about multiple streams of income, have it work for you give it a job, love it.

Margaret 22:38

Warsha 22:39
Nice. So, Margaret, you have just given us, and all our listeners, the 4 Ts to master your mind and money. What is it, let’s say over the next week? What is it that you would like the person listening to this, to actually go and do what are some of the things that you would like them to actually start doing now?

Margaret 23:04
Okay so, Evan what I would say to the listeners is in the 4 T’s. The first one is transform so what I’d like you to do is, to look at what is your relationship with money. And when you look at target set up a budget and set up your goals your life changing goals. In track and trim, see where is it that you are spending and see what you can trim at that stage. Then in train, create a vision board and see how you can create multiple streams of income. So, over the next week, I want to you start implementing these steps and come and tell us what are the gaps that you need to work on.

Warsha 23:46

Margaret 23:47
And also tell us, which of these areas, was the most impactful for you.


Evan 23:52

Warsha 23:53         
Oh, very nice Margaret, you have given our listeners something to do over the week. They are going to be

Evan 23:59
And lots to think about.

Warsha 24:01
Lots to think about they’re gonna be busy. This has been absolutely an eye opener. This has been so wonderful, as I said right in the beginning of the episode. This is not just for business owners, this is for absolutely everybody, isn’t it? So, as I said earlier in the episode is not just for business owners, this is a topic that is important and very easy to manage by the sound of it for all of us, so there is no excuse for any of us to not do this.

Evan 24:30
Totally yeah.

Warsha 24:32

This has been absolutely wonderful. Margaret, thank you so much for sharing your expertise and your experience with us today we are so honored to have you.


Evan 24:43
Absolutely, it is such a pleasure.

Margaret 24:44
Thank you Warsha. I’m delighted that I can share this. I am really happy

Thank you so much.

Warsha 24:47
Thank you, Evan you were saying.

Evan 24:49
Thank you Margaret, joining us has been so wonderful speaking with you about this subject, and it’s really, really important for everybody from professionals, students, everybody. It’s amazing.

Warsha 25:00

Totally. So, Margaret, also tell us, and I know after this people are going to want to be able to get in touch with you. So, which is the best way to contact you?

Margaret 25:10
Well, the best way to get in touch with me Warsha is through my website, margaretmekaat.com. 

Warsha 25:16

Margaret 25:17
And you can contact me through there, and let’s have a chat.

Warsha 25:20
Let’s have a chat indeed, so www.margaretmekaat.com, we will put the link to Margaret’s website on the show notes of this episode. So, head over to daretoscale.fm/9 and you will find the link to Margaret’s website, and the link to get in touch with her straight over there, continue talking to Margaret continue listening and continue with the best practices, involving the cash in hand, and the cash that is yet to come. So, to summarize, I want to repeat what Margaret once said earlier, money goes where money flows, give your job, give your money, a job to do.

Evan 26:01
A job to do, nice.

Warsha 26:03

Very nice. Margaret. Thank you again. We really appreciate the time that you’ve taken.

Margaret 26:09
Thank you Warsha and Evan

Warsha 26:11

And you have a wonderful New Year.

Evan 26:14

Warsha 26:15
The 12 months coming, are going to be brighter than the last one have been. So, we’re looking up and looking out.

Evan 26:21
We are indeed and keep working your magic in Dubai and beyond.

Margaret 26:25
Thank you Evan I appreciate that thank you so much and God bless everyone.

Warsha 26:29
Thank you.

Margaret 26:30
Thank you.

Warsha 26:32

Hey hey hey, thanks for joining us and listening, right till the end.

Evan 26:37
Get on over to Dare to Scale.fm to subscribe and access show notes and transcriptions.

Warsha 26:43
Oh also, did you know that we have a Facebook page for our podcast listeners. Come join the conversations at daretoscale.fm/facebook.

Evan 26:55
Absolutely, oh and also remember to give us a five-star review so other entrepreneurs can find this podcast like you, and get value to scale forward their business.

Warsha 27:03
Fabulous, we will see you at our next show. Bye for now.

Evan 27:07



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The following terminology applies to these Terms and Conditions, Privacy Statement and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this Site and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company, Dare to Scale. “Party”, “Parties”, or “Us”, refers to both yourself and ourselves, or either yourself or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to you in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting your needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law and exclusive jurisdiction of the English Courts of the Dubai International Financial Centre (“the DIFC Courts”), Dubai, United Arab Emirates. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.


We employ the use of cookies. By using the Site, you consent to the use of cookies in accordance with the Site’s privacy policy.
Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our third party plug-ins, affiliates or advertising partners may also use cookies.


Unless otherwise stated, the Company and/or its licensors own the intellectual property rights for all material on the Site. All intellectual property rights are reserved. You may view and/or print pages from the Site for your own personal use subject to restrictions set in these terms and conditions.

You must not:

– Republish material from Dare to Scale Site.
– Sell, rent or sub-license material from Dare to Scale Site.
– Reproduce, duplicate or copy material from Dare to Scale Site.
-Redistribute content from the Site (unless content is specifically made for redistribution).

User Comments

1. This Agreement shall begin on the date hereof.

2. Certain parts of this website may offer the opportunity for Users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. Dare to Scale does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of Dare to Scale, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws Dare to Scale shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

3. Dare to Scale reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.

4. You warrant and represent that:

a. You are entitled to post the Comments on our website and have all necessary licenses
and consents to do so;

b. The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or other proprietary right of any third party;

c. The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy

d. The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

e. You hereby grant to the Company a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

1. The following organizations may link to our Site without prior written approval:
– Government agencies;
– Search engines;
– News organizations;
– Online directory distributors when they list us in their directory may link to our Site in the same manner as they hyperlink to the Web sites of other listed businesses; and
– System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

2. These organizations may link the home page, of our Site to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

3. We may consider and approve in our sole discretion other link requests from the following types of organizations:

– commonly-known consumer and/or business information sources
– dot.com community sites;
– associations or other groups representing charities, including charity giving sites,
– online directory distributors;
– internet portals;
– accounting, law and consulting firms whose primary clients are businesses; and
– educational institutions and trade associations.

We will approve link requests from these organizations if we determine that:

(a) the link would not reflect unfavourably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link);

(b)the organization does not have an unsatisfactory record with us;

(c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of Dare to Scale; and

(d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link:

(a) is not in any way misleading;
(b) does not falsely imply sponsorship, endorsement or approval of the linking party and it’s products or services; and
(c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an email to marketing@daretoscale.com. Please include your name, your organization name, contact information (such as a phone number and/or e- mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow two to three weeks for a response.
Approved organizations may hyperlink to our Web site as follows:

– By use of our corporate name; or
– By use of the uniform resource locator (Web address) being linked to; or
– By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of the Company’s logo or other artwork will be allowed for linking absent a trademark
license agreement.


Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.


To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

1. limit or exclude our or your liability for death or personal injury resulting from negligence;
2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.


This Privacy Policy governs the manner in which The Dare to Scale website (“Site”) collects, uses, maintains and discloses information collected from users (each, a “User”) of the Site.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our Site, register on the Site, fill out a form, respond to a survey, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Dare to Scale may collect and use Users personal information for the following purposes:

To run and operate our Site
> We may need your information display content on the Site correctly.

To improve customer service
> Information you provide helps us respond to your requests and support needs more efficiently.

To improve our Site
> We may use feedback you provide to improve our centre.

> To send periodic emails
We may use the email address to respond to their inquiries, questions, and/or other requests.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and Users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Changes to this privacy policy

Dare to Scale has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contacting us

If you have any questions about this Privacy Policy, the practices of this Site, or your dealings with this Site, please contact us.

This document was last updated on 13 September 2020.


Effective: May 25, 2018
Dare To Scale uses cookies on https://daretoscale.com and affiliated websites (collectively the “Site”).

Our Cookies Policy explains what cookies are, how we use cookies, how third-parties we partner with may use cookies on the Site, and your choices regarding cookies. Please read this Cookies Policy in conjunction with our Privacy Policy, which sets out additional details on how we use personal data and your various rights.

What are cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. It also allows the Site or a third-party to recognize you and make your next visit easier and the Site more useful to you. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Essentially, cookies are a user’s identification card for the Dare To Scale servers. Web beacons are small graphic files linked to our servers that allow us to track your use of our Site and related functionalities. Cookies and web beacons allow Dare To Scale to serve you better and more efficiently, and to personalize your experience on our Site.

If you do not agree with our use of cookies, then you should either not use this site, or you should delete our cookies once you have visited the site, or you should browse the site using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Internet Explorer, “Private Browsing” in Firefox and Safari etc.)

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
If you don’t want to receive cookies, you can modify your browser so that it notifies you when cookies are sent to it or you can refuse cookies altogether. You can also delete cookies that have already been set.

If you wish to restrict or block web browser cookies which are set on your device then you can do this through your browser settings; the Help function within your browser should tell you how. Alternatively, you may wish to visit www.aboutcookies.org, which contains comprehensive information on how to do this on a wide variety of desktop browsers.

How Dare To Scale uses cookies

When you use and access the Site, we may place a number of cookies files in your web browser.

Dare To Scale uses or may use cookies and/or web beacons to help us determine and identify repeat visitors, the type of content and sites to which a user of our Site links, the length of time each user spends at any particular area of our Site, and the specific functionalities that users choose to use. To the extent that cookies data constitutes personal data, we process such data on the basis of your consent.

Cookies can be “persistent” or “session” cookies.

We use both session and persistent cookies on the Site and we use different types of cookies to run the Site:

  • Essential cookies. Necessary for the operation of the Site. We may use essential cookies to authenticate users, prevent fraudulent use of user accounts, or offer Site features.
  • Analytical / Performance cookies. Allow us to recognize and count the number of visitors and see how visitors move around the Site when using it. This helps us improve the way the Site works.
  • Functionality cookies. Used to recognise you when you return to the Site. This enables us to personalise our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).
  • Targeting cookies. Record your visit to the Site, the pages you have visited, and the links you have followed. We will use this information to make the Site and the more relevant to your interests. We may also share this information with third parties for this purpose.

Third-party cookies

In addition to our own cookies, we may also use various third-party cookies to report usage statistics of the Site and refine marketing efforts.

  • Tracking cookies. Follow on-site behavior and tie it to other metrics allowing better understanding of usage habits.
  • Optimization cookies. Allow real-time tracking of user conversion from different marketing channels to evaluate their effectiveness.
  • Partner cookies. Provide marketing conversion metrics to our partners so they can optimize their paid marketing efforts.
  • Google Analytics. We use this to understand how Dare To Scale is being used in order to improve the user experience. Your user data is all anonymous. You can find out more about Google’s position on privacy as regards its analytics service at Google Privacy Overview
  • Facebook Advertising. We use Facebook advertising conversion tracking and re-targeting pixels, which allows us to collect or receive information from your website and elsewhere on the internet and use that information to provide measurement services and target advertising.

What are your choices regarding cookies?

If you’d like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser.

Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use some or all of the features we offer. You may not be able to log in, store your preferences, and some of our pages might not display properly.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.
Find out how to manage cookies on popular browsers:
Google Chrome
Microsoft Edge
Mozilla Firefox
Microsoft Internet Explorer
Apple Safari

To find information relating to other browsers, visit the browser developer’s website.
To opt out of being tracked by Google Analytics across all websites, visit Google Analytics Optout.

We are planning to enhance our cookie tool to allow users to more easily change their cookie settings after their initial choice.