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Privacy Policy

introduction

Loans & Homes respects your privacy and the security of your personal data and is committed to protecting it. We provide this Privacy Policy to inform you of our privacy procedures and practices, as well as to describe what information we collect about you, how we obtain your information, and how we use, share and otherwise process your information while operating our Site and Platforms.

 

In this Privacy Policy, “we”, “our” and “us” refer to Loans & Homes Mortgage Broker (trading as Loans & Homes Mortgage Broker LLC).

“Website” refers to the Loans & Homes websites (www.loansandhomes.ae); The Website and our mobile applications together are the “Platforms”; “You” and “your” refer to the specific individual accessing and using the Platforms or Services we provide.

We may update or revise this Privacy Policy at any time and this page will always reflect the current version.

 

Information we collect

For the purposes of this Privacy Policy, Loans & Homes is a “data controller”, which means that we are responsible for the personal information we collect about you and how we process it. “Personal information” is any information that can be used to identify you or that we can associate with you and that is secure with us.

The information we may collect from or about you includes:

  1. Personal data about you: when you register on the Site as a user or otherwise, update your information, participate in promotions, campaigns or competitions, log in to our mobile application using your personal information or social media account, or send emails to us , submit support requests, contact real estate agents via forms or phone numbers provided on our platforms, provide feedback, or when you report a problem with our platforms, you provide us with information that we store and process. This information may include your name, address, telephone number, email address, IP address of your device, date of birth, passport or Emirates ID, survey participation, video or audio recordings, your interests, and any other information you choose independently to provide to us (for example, if you send us an email or you call us).
  2. Purchase Information: We may collect information relating to any purchases or potential purchases of our products or services that you make (such as purchase records).
  3. Site Information: We may receive information from you as a result of your visits to and use of the Site. This information may include information such as your IP address, the date and time you access the website, the length of time you spend on the website, your browsing history (recorded by the text and graphics files that make up that page), and the Internet address of the website from which you returned. Directing you to our website.
  4. Financials, Payments and Credit Data: We may collect payment data that you provide when you make online purchases. This may include your payment instrument number (for example, credit card and debit card), your name, billing address, and the security code associated with your payment instrument (for example, CSV or CVV). We may collect information relating to payment history, transactions and billing information. We may also collect personal credit information, credit reports from a credit reporting agency used to report late credit payments, and business credit information for the purpose of providing mortgage financing to you through your bank.
  5. Other Information: We may collect other information so that we, including our affiliates if any, can provide our services to you, such as credit scores and payroll for the purpose of obtaining real estate financing. If you are a user of any of our products or services, we may collect information that you have made publicly available.

How do we obtain it and what are your sources of information?

We may collect your information during our relationship with you and will only use your personal information in accordance with applicable data protection laws.

We may obtain this information from a variety of sources, including:

  1. From you (for example, when you access and use the Platforms, make an inquiry about our Platforms or Services, send WhatsApp communications to us or to agents and brokers via our Platforms to inquire about a property, send emails or call our Customer Service, or provide us with your information Personal).
  2. From real estate developers, agents, brokers and government sources (such as Ejari).
  3. From our affiliates, if any, and business partners.

Dr. These include advertising networks, analytics providers, and search information providers.

 

How we process your information

 

We will comply with applicable data protection laws that apply to our processing of your personal information. We will:

  1. process your personal information in a lawful, fair, transparent and secure manner;
  2. Collect your personal information only for specific, explicit and legitimate purposes as described to you when your personal information was collected.
  3. Not to use your personal information in any way that is incompatible with those purposes.
  4. Process your personal information in a manner that is appropriate, relevant and limited to the purposes for which we collected it.
  5. Maintaining the accuracy of your personal information and updating it when necessary.
  6. Retain your personal information in a form that identifies you only for as long as is necessary for the purposes we have informed you of and/or as permitted by law.

 

How we use your information

 

We may use or process your personal information for the following purposes:

  1. To provide any services you request from us.
  2. To better serve you, as well as improve our products, services and platforms. If you contact us via the Website, via email or to the contacts shown on the Website, or via our call centres, we may keep a record of that correspondence or calls to improve our services and address any specific requests or complaints.
  3. To communicate with you (through various communication platforms, such as WhatsApp, SMS, phone and email) if you have requested, purchased or participated in anything on the Platforms, including responding to any inquiries, requests or comments you may have and facilitating communications between you And between our real estate agents and brokers when inquiring about properties on our platforms.

Dr. To assist third parties in providing services to you, such as property developers when sending emails on their behalf and banks in connection with the origination of mortgages.

  1. To contact you for market research purposes.

And the. To monitor communications in order to improve the services we provide to you and to evaluate the performance and responsiveness of our staff and real estate agents providing our services to you (for example, when you inquire about properties through our platforms and are connected to a real estate agents website from us).

  1. To provide you with information about new opportunities, promotions, alert notifications, special offers and other information that we may feel is relevant to you.
  2. To provide you and enable selected third parties to provide you with information about goods or services that may be of interest to you.
  3. To personalize or enhance your experience on our Platforms and Services, including by displaying advertising and direct communications you receive from us, which may be based on your activity on our Platforms.

Yes. To improve our platforms by defining website technical design specifications and identifying system performance and issues, to track activity on the website and mobile applications, prepare reports, evaluate trends, and monitor the way the platforms are used.

  1. To process your payments or any documents you submit through the Platforms.
  2. To measure or understand the effectiveness of advertising we serve to you and others, to deliver relevant advertising to you, and to make suggestions and recommendations to you and other users of our Website about goods and services that may be of interest to you or them, which may be based on your activity on our Website or the websites of third parties.
  3. To comply with legal obligations.

On what basis do we use your information?

We use your personal information on the following bases (where permitted under applicable data protection laws):

  1. Because the necessary information does not require a contract with you.
  2. Based on your express written consent (if we expressly request consent to process your personal information, for a specific purpose);
  3. For our legitimate interests. The use of your personal information helps us operate, improve and minimize any interruption to the Platforms and services we may provide to you. It is a legitimate interest to send you information about services that we think will be of interest to you.
  4. To comply with legal and regulatory obligations.
  5. Or if you make personal information publicly available.

Who do we share your information with?

We will disclose or transfer your personal information only for the purposes set out in this Notice:

  1. To specific real estate brokers, brokerage firms, agents, developers or other service providers we use, where we are required to do so or as part of your use of the Platforms. For example, when you inquire about a property of interest, we will pass your personal information to the estate agents dealing with the sale or rental of that property.
  2. To business partners, suppliers and subcontractors to perform any contract we enter into with them or with you.
  3. To any member of our group.

Dr. To any competent authorities if we are legally required to comply with a data request.

  1. To our third party service providers. We partner with and support service providers around the world. Personal information will only be provided to these parties as necessary to fulfill the services they provide to us, such as software, system and platform support; Direct marketing services; Social media and communications services; Cloud hosting services; Advertising; data analytics; Executing and delivering the order. Our third party service providers are not permitted to share or use the personal information we provide to them for any purpose other than providing services to us.

And the. If we buy or sell any business or assets, in which case we may disclose your personal information to the prospective seller or buyer of such business or assets, together with their professional advisers. If our assets or the assets of any of our affiliates are acquired by a third party, personal information that we or our affiliates hold about our customers will be one of the transferred assets.

  1. If necessary in order to obtain professional advice.
  2. To conduct a credit check and contact lenders, banks or other financial institutions to understand your financial situation in connection with the provision of home loans to you by your banks, this may involve us or the lenders and institutions obtaining information from the relevant credit reporting agency or source that provides information about your financial situation.
  3. If we are under a duty to disclose or share your personal information in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements.

Yes. and to protect our rights, property, or safety, as well as the rights of our affiliates, customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

 

Countries to which we transfer your information:

 

The information we collect from you may be transferred, stored and hosted outside of the country. For example, your personal information may be processed by employees operating outside this country, who work for us or one of our suppliers. These and all other transfers will remain secure and under our control. We will implement appropriate measures to ensure that your personal information remains protected and secure when it is transferred outside your country of origin and you can exercise your rights freely

 

Security of your information

 

Keeping your personal information secure and preventing unauthorized access is of the utmost priority to us, and we take all steps necessary to actively protect your personal information from any unauthorized access, use, alteration, disclosure or destruction. In addition, we limit the communication of your personal information to those employees, agents, contractors and other third parties who require it. They will only process your personal information on our instructions and are subject to a duty of confidentiality.

Where we provide you, or where you have created a password which forms part of our Services or allows you to access parts of our Platforms, you are responsible for keeping this password confidential. We ask that you do not share your password with anyone.

We will do our best to protect your personal information, however, we cannot guarantee the security of your information transmitted to our platforms. Any transmission of information is done at your own risk. Once we receive your information, we will use strict procedures and security features to try to prevent unauthorized access.

 

How long can we keep your information?

 

The length of time we retain your personal information will vary, and we will usually only retain your personal information for as long as necessary to respond to any inquiries or complaints, to improve the services we provide to you or to comply with any legal obligations. to which we may be exposed.

To determine appropriate retention periods for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means. and applicable legal requirements.

 

Your choices and rights

 

Under certain circumstances and under certain applicable data protection laws, you may have the right to:

  1. Access to your data – request a copy of your personal information processed by us;
  2. Correcting your data – ask us to amend or update your personal information where it is inaccurate or incomplete;
  3. Erasure of your data – ask us to delete your personal information when it is no longer necessary for the purpose(s) for which your information was originally collected;

Dr. Restrict your data – temporarily or permanently ask us to stop processing all or some of your personal data;

  1. Object to the use of your data – at any time, object to the processing of your personal information when it is based exclusively on our legitimate interests (see above) or for direct marketing purposes;

And the. Receive or transfer your data in a structured, machine-readable format (also known as “data portability”) – request to receive or transfer your personal information to another organization, in a structured, machine-readable format; And

  1. Withdrawing your consent – withdraw your consent at any time to the use of your personal information for a specific purpose (where we have asked you to consent to the use of your information for that specific purpose). Please note that in certain circumstances it may be lawful for us to continue processing without your consent if we have another legal basis (other than consent) for doing so.

 

For any of the above, please email us at [email protected]. Subject to any underlying legal obligations, requirements and/or exemptions, we will endeavor to respond to your request as soon as possible, unless we ask you for further information. We may also ask you to provide proof of your identity.

 

How to manage your marketing preferences

To opt out of email marketing, you can use the unsubscribe link in the emails you receive from us or by sending an email to the following address: [email protected] For other marketing preferences, you can contact us via any relevant link in Marketing Communications, or by sending an email to the following address: [email protected] Information regarding controlling cookies can be found in our Cookie Policy

 

Hyperlinks

Our Services may contain links to, and you may use in conjunction with, third-party applications, services, tools and websites that are not affiliated with, controlled or operated by us. Examples include, but are not limited to, Facebook, LinkedIn, Twitter, and third-party applications such as audio software and readers. The privacy practices of these third parties will be subject to the parties’ own privacy policies. We are not responsible for the security or privacy of any information collected by these third parties. You should review the privacy policies applicable to such third-party services.

Information you provide to third party companies is not covered by this Privacy Policy.

 

Privacy of minors

We are committed to protecting the privacy needs of children and encourage parents and guardians to take an active role in their children’s online activities and interests. We do not knowingly collect information from children and do not target our platforms to children. If you become aware that a child has provided us with personal information without the consent of a parent or guardian, please contact us at: [email protected] ae and we will take steps to delete the information from our records.

 

Updates or changes to this Privacy Policy

We may update this Privacy Policy from time to time as we deem necessary. If there are material changes to this Privacy Policy, we will provide notice where and in the manner required under applicable laws, including but not limited to by email or via the Platforms. Any changes to this Privacy Policy will be effective immediately upon notice to us.

 

How can you contact us?

 

This privacy policy sets out in general terms how we handle your personal information and protect your privacy. If you have any questions regarding our privacy policy, please send us an email to the following address: [email protected]

 

 

 

 

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