1. Information We Collect
We collect information you provide directly to us, such as when you create an account, apply for a mortgage, or contact us for support. This includes:
- Personal identification information (name, Emirates ID, passport details)
- Contact information (email address, phone number, mailing address)
- Financial information (income, employment details, bank statements)
- Property information (property details, purchase price, down payment)
- Documentation (salary certificates, bank statements, property documents)
2. How We Use Your Information
We use the information we collect to:
- Process your mortgage application and provide our services
- Communicate with you about your application status
- Verify your identity and prevent fraud
- Comply with legal and regulatory requirements
- Improve our services and customer experience
- Send you relevant updates about our services (with your consent)
3. Information Sharing and Disclosure
We may share your information with:
- Banks and financial institutions for mortgage processing
- Credit bureaus and verification services (Al Etihad Credit Bureau)
- Property valuers and legal advisors
- Regulatory authorities when required by law
- Service providers who assist in our operations (under strict confidentiality agreements)
We never sell your personal information to third parties for marketing purposes.
4. Data Security
We implement industry-standard security measures to protect your information:
- 256-bit SSL encryption for all data transmission
- Secure data centers with 24/7 monitoring
- Regular security audits and penetration testing
- Access controls and employee training on data protection
- Compliance with UAE Data Protection Law and international standards
5. Your Rights
Under UAE Data Protection Law, you have the right to:
- Access your personal data we hold
- Correct inaccurate or incomplete information
- Request deletion of your data (subject to legal requirements)
- Object to processing of your data for marketing purposes
- Request data portability
- Withdraw consent where processing is based on consent
6. Data Retention
We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Mortgage-related documents are typically retained for 7 years after loan completion or application withdrawal, as required by UAE banking regulations.