Privacy Policy

This Privacy Policy explains how EmirateFicancent ("we", "us") collects, uses, discloses, and protects your personal and financial information when you use our platform, apply for a loan, or otherwise interact with us.

1. Information we collect

We collect information you provide directly, and information generated as you use the platform:

• Identity details such as your name, date of birth, nationality, and identification documents
• Contact information including your email address, phone number, and residential address
• Financial information such as income, employment or business details, and bank statements
• Documents you upload as part of a loan application, such as trade licenses or property titles
• Account activity, such as login history and communications with our support team
• Technical information such as your device, browser, and IP address, for security purposes

2. How we use your information

We use your information to:

• Process and assess loan applications, including eligibility and credit checks
• Verify your identity and prevent fraud
• Administer your account and any active loan, including repayments
• Communicate with you about your application, account, or support requests
• Comply with legal, regulatory, and reporting obligations
• Improve and secure our platform

3. Sharing your information

We do not sell your personal information. We may share information with:

• Credit bureaus and reference agencies, to assess and report on your creditworthiness
• Regulators and government authorities, where required by law
• Service providers who support our operations, such as identity verification, hosting, and email delivery, under confidentiality obligations
• Other institutions, only where necessary to process a service request that involves them

4. Data security

We use technical and organizational measures, including encryption of sensitive data and access controls, to protect your information against unauthorized access, loss, or misuse. No system is completely secure, and you also play a role in protecting your account by keeping your password confidential and never sharing verification codes with anyone.

5. Data retention

We retain your information for as long as necessary to provide our services, resolve disputes, and meet our legal, regulatory, and accounting obligations. Retention periods vary depending on the type of information and applicable regulatory requirements.

6. International transfers

As we serve applicants worldwide, your information may be processed or stored in a country other than your own. Where this occurs, we take steps to ensure your information continues to receive an appropriate level of protection.

7. Your rights

Depending on your location, you may have the right to request access to, correction of, or deletion of your personal information, or to object to certain processing, subject to any legal retention requirements. You can exercise these rights by contacting our support team through your dashboard or the Support page.

8. Cookies

We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how the platform is used. You can manage your cookie preferences through your browser settings or the cookie banner shown when you first visit the platform.

9. Children's privacy

Our Services are not directed at individuals under 18, and we do not knowingly collect personal information from them.

10. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will update the "Last updated" date above when we do, and significant changes will be communicated to you where required.

11. Contact us

If you have questions about this Privacy Policy or how we handle your information, visit our Support page or contact us using the details there.