Privacy Policy

1. Introduction

We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our smart B2B financing services.

2. Information We Collect

2.1 Personal Information

• Name, email address, phone number, and business contact information
• Business registration details, trade license, and incorporation documents
• Bank account information and financial details
• Identity verification documents (passport, Emirates ID)
• Invoice and transaction-related information

2.2 Technical Information

• IP address, browser type, and device information
• Website usage data and analytics
• Cookies and similar tracking technologies
• Log files and system access records

3. How We Use Your Information

3.1 Service Provision

• Process and evaluate funding applications
• Conduct KYC/AML and risk assessments
• Provide customer support and communication
• Process payments and settlements
• We always show total cost upfront before you decide, and we use your information to provide and improve our financing services

3.2 Legal and Compliance

• Comply with regulatory requirements and AML/CFT obligations
• Conduct sanctions and PEP screening
• Maintain audit trails and compliance records
• Respond to legal requests and investigations

4. Legal Basis for Processing

We process your personal information based on:

• Contract Performance: To provide our financing services
• Legal Obligation: To comply with regulatory requirements
• Legitimate Interest: For risk assessment and fraud prevention
• Consent: For marketing communications and analytics

5. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party vendors who assist in our operations
• Regulatory Authorities: As required by law and compliance obligations
• Business Partners: For integrated finance solutions
• Legal Requirements: When required by court order or legal process

6. Data Retention

Data is retained only as long as necessary for legal, regulatory, and operational purposes. Deletion requests are honored subject to legal obligations.

7. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption in transit and at rest (AES-256)
• Access controls and authentication
• Regular security assessments and monitoring
• Staff training and awareness programs

8. Cross-Border Transfers

Your information may be transferred to and processed in countries outside the UAE. We ensure appropriate safeguards are in place for such transfers, including standard contractual clauses and adequacy decisions.

9. Your Rights

You have the following rights regarding your personal information:

• Access: Request copies of your personal information
• Rectification: Correct inaccurate or incomplete information
• Erasure: Request deletion of your personal information
• Portability: Receive your data in a structured format
• Objection: Object to processing for legitimate interests
• Withdrawal: Withdraw consent for marketing communications

10. Cookies and Analytics

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our services. You can control cookie preferences through your browser settings. For more information, see our Cookies Policy.

11. Data Subject Rights Contact

To exercise your rights or for any privacy-related inquiries, please contact our Data Protection Officer:

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date. Your continued use of our services constitutes acceptance of the updated policy.

13. Contact Information

If you have any questions about this Privacy Policy or our data practices, please contact us: