Privacy Policy

1 Information We Collect

We collect information you provide directly to us and information generated automatically through your use of our website.

Personal Information you provide:

• Full name, email address, and phone number
• Emirates ID or passport details (for formal applications)
• Employment and income information
• Financial details including salary, liabilities, and bank statements
• Property details relevant to your mortgage inquiry
• Any additional information submitted through our contact or pre-approval forms

Information collected automatically:

• IP address and browser type
• Pages visited and time spent on our website
• Referring URLs and device information
• Cookie and similar tracking technology data

2 How We Use Your Information

We use the information we collect for the following purposes:

• To process your mortgage inquiry or pre-approval application
• To communicate with you regarding your application and our services
• To assess your eligibility and match you with suitable lenders
• To comply with legal and regulatory obligations in the UAE
• To improve our website, services, and customer experience
• To send you relevant updates or promotional materials (with your consent)
• To detect and prevent fraud or unauthorised activity

We will not use your personal data for purposes incompatible with those stated above without first obtaining your explicit consent.

3 Sharing Your Information

We do not sell, rent, or trade your personal information. We may share your data with:

• Banks and Lenders: To process and submit your mortgage application on your behalf.
• Regulatory Authorities: As required by UAE law, including the Central Bank of the UAE and relevant government bodies.
• Service Providers: Trusted third-party vendors who assist us in operating our website or delivering services, bound by confidentiality obligations.
• Professional Advisors: Legal, financial, or compliance consultants acting in our professional capacity.

All third parties receiving your data are required to handle it in accordance with applicable privacy laws.

4 Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this policy, or as required by UAE law and financial regulations. Typically this means:

• Active client records are retained for the duration of our engagement and thereafter for a minimum of five (5) years.
• Enquiry data from non-clients may be retained for up to two (2) years.
• Website usage logs are retained for up to twelve (12) months.

After the applicable retention period, your data is securely deleted or anonymised.

5 Cookies & Tracking

Our website uses cookies and similar technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Analyse website traffic and usage patterns
• Improve the performance and functionality of our site

You may disable cookies through your browser settings; however, doing so may affect the functionality of certain features on our website. We do not use cookies to collect sensitive personal or financial data.

6 Data Security

We implement industry-standard technical and organisational security measures to protect your personal information against unauthorised access, disclosure, alteration, and destruction. These measures include:

• Encrypted transmission of data via HTTPS/TLS
• Access controls and role-based permissions for staff handling personal data
• Secure storage practices for physical and digital records
• Regular review of our information security policies

While we take every precaution to safeguard your data, no method of electronic transmission or storage is 100% secure. We encourage you to contact us immediately if you suspect any unauthorised use of your information.

7 Your Rights

Under applicable UAE data protection legislation, you have the right to:

• Access – Request a copy of the personal data we hold about you.
• Rectification – Ask us to correct inaccurate or incomplete data.
• Erasure – Request deletion of your data where it is no longer necessary for the purpose it was collected, subject to legal retention obligations.
• Restriction – Ask us to restrict the processing of your data in certain circumstances.
• Objection – Object to the processing of your data for direct marketing purposes.
• Portability – Receive your data in a structured, machine-readable format where applicable.

To exercise any of these rights, please contact us using the details provided at the end of this policy. We will respond to your request within a reasonable timeframe, typically within 30 days.

8 Third-Party Links

Our website may contain links to third-party websites, including bank portals, government services, or property listing platforms. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party website you visit.

9 Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected data from a minor, please contact us immediately and we will take steps to delete such information promptly.

10 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website or services after any update constitutes your acceptance of the revised policy.