Privacy Policy

01

Who we are

Premier Finance ("Premier Finance", "we", "us" or "our") is a Dubai-based mortgage advisory and brokerage firm operating across the United Arab Emirates. We are part of the Provident Real Estate group.

For the purposes of applicable data protection law, including UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (the "PDPL"), Premier Finance is the controller of the personal information described in this policy.

You can reach us at info@premierfinance.ae or +971 4 356 2099, or visit us at Office #1802, 18th Floor, Marina Plaza, Dubai Marina, Dubai, United Arab Emirates.

02

Information we collect

Information you give us

We collect information you provide directly when you make an enquiry, request a call back or pre-approval, use our mortgage calculator, subscribe to our updates, apply for a mortgage through us or otherwise contact us. This may include:

• Identity and contact details such as your name, email address, telephone number, nationality and country of residence.
• Identification documents such as your passport, visa and Emirates ID, where a lender requires them.
• Employment and income details such as your employer, job title, salary, business ownership, trade licence, salary certificates, payslips, audited accounts and tax returns.
• Financial details such as bank statements, existing loans, credit cards and other liabilities, savings and the source of your deposit.
• Property details such as the property you are buying or own, its price or value, developer, payment plan, existing mortgage and tenancy contracts.
• Correspondence including messages, emails, call notes and feedback you send us.

Information we collect automatically

When you visit our website we, and the service providers acting for us, automatically collect certain technical information, including:

• Your IP address and an approximate location (country, region and city) derived from it.
• Device and browser type, operating system, language and screen settings.
• Pages viewed, links clicked, referring website, time spent and other usage data.
• Campaign identifiers (such as UTM parameters) that tell us which advertisement, email or link brought you to our site.
• Cookies and similar technologies as described in section 5.

Information from third parties

We may receive information about you from lenders (for example the outcome of an application or a credit check), property valuers, Provident Real Estate group companies, real estate agents or developers who refer you to us, and publicly available sources.

03

How we use your information

We use personal information to:

• Respond to your enquiries and assess what you may be able to borrow.
• Compare mortgage products and recommend options that suit your circumstances.
• Prepare and submit pre-approval and mortgage applications to lenders on your behalf, and manage them through to completion.
• Coordinate property valuations, offer letters, transfers and settlement with lenders, developers and other parties involved in your purchase or refinance.
• Manage our relationship with you, including customer support and, where applicable, invoicing.
• Send service updates and information about rates and services that may interest you, where permitted.
• Operate, secure and improve our website, including preventing spam and abuse of our forms.
• Measure the effectiveness of our marketing campaigns.
• Comply with legal and regulatory obligations, including anti-money-laundering and know-your-customer checks, and enforce our terms.

04

Legal basis for processing

We process your personal information where one or more of the following applies:

• Contract: processing is necessary to provide the services you request or to take steps at your request before entering into a contract with you.
• Consent: where you have given consent, for example to share your application with lenders, to a credit check by a lender, or to receive our updates and marketing messages. You may withdraw consent at any time.
• Legitimate interests: to run and improve our business, protect our website and communicate with existing clients, provided these interests are not overridden by your rights.
• Legal obligation: where we must process information to comply with UAE law, including anti-money-laundering requirements.

05

Cookies & analytics

Our website uses cookies and similar technologies. Cookies are small text files placed on your device that help the site work properly and help us understand how it is used. We use:

• Essential cookies that are required for the website, its forms and its security features to function.
• Performance and analytics cookies that collect aggregated information about how visitors use the site so we can improve it.
• Marketing cookies that help us measure our advertising and, where used, show you relevant advertisements on other platforms.

You can control cookies through your browser settings, including blocking or deleting them. Disabling some cookies may affect how parts of the website work.

06

How we share information

We do not sell your personal information. We share it only as described below:

• Banks and lenders. To obtain quotations, pre-approvals and mortgage offers, we share your application and supporting documents with the lenders you agree we may approach. Each lender then handles your information under its own privacy policy and may carry out its own checks, including a credit report from the Al Etihad Credit Bureau.
• Parties to your transaction. Valuers, developers, sellers and their agents, trustees and conveyancers, insurers and the relevant land department, where needed to complete your purchase, transfer or refinance.
• Provident Real Estate group. Enquiries are managed in a customer relationship management (CRM) system operated within the Provident Real Estate group, and group companies may assist us in delivering and supporting our services.
• Service providers. Trusted vendors who host our website, provide CRM, email, analytics, IP-geolocation and communication tools, and who are bound to use your information only on our instructions.
• Professional advisers and authorities. Lawyers, auditors, insurers, regulators, courts or government bodies where required by law, to protect our rights or to respond to lawful requests.
• Business transfers. A buyer or successor in the event of a merger, acquisition or sale of all or part of our business, subject to this policy.

07

International transfers

Some of our service providers store or process information on servers located outside the United Arab Emirates, and for clients who live abroad we may need to exchange information with parties in your country of residence. Where this happens we take steps to ensure your information receives an adequate level of protection, including using providers with recognised security standards and appropriate contractual safeguards, in line with the PDPL.

08

Data retention

We keep personal information only for as long as necessary for the purposes described in this policy. In general:

• Enquiry records are kept for as long as needed to follow up your request and for a reasonable period afterwards.
• Application files, identification and financial documents, and records of the advice we gave are retained for the duration of our relationship and for the period required by UAE commercial, tax, anti-money-laundering and limitation laws.
• Marketing preferences are kept until you unsubscribe or ask us to delete them.

When information is no longer required we delete or anonymise it securely.

09

Security

We use appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, misuse or alteration, including encrypted connections (HTTPS), access controls, rate-limiting on our forms and staff confidentiality obligations. No method of transmission over the internet is completely secure, so we cannot guarantee absolute security, but we work to protect your information in line with industry standards. Please send identification and financial documents only through the channels we ask you to use.

10

Your rights

Subject to applicable law, you have the right to:

• Request access to the personal information we hold about you.
• Ask us to correct inaccurate or incomplete information.
• Ask us to delete your information where there is no good reason for us to keep it.
• Object to, or ask us to restrict, certain processing.
• Receive a copy of the information you provided to us in a portable format.
• Withdraw consent at any time where processing is based on consent.
• Lodge a complaint with the UAE Data Office or another competent authority.

To exercise any of these rights, contact us using the details in section 15. We may ask you to verify your identity before responding, and we will reply within the time required by law. Information already shared with a lender is also held by that lender, and requests about it may need to be made to the lender directly.

11

Marketing communications

If you subscribe to our updates or opt in to marketing, we may send you emails, SMS or WhatsApp messages about mortgage rates, our services and property finance insights. You can opt out at any time by using the unsubscribe link in any email, replying STOP to a message, or emailing info@premierfinance.ae. We will still send you non-marketing messages relating to enquiries or applications you have made.

12

Children

Our website and services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with information, please contact us and we will delete it.

13

Third-party links

Our website may contain links to third-party websites, including lenders, social media platforms and Provident Real Estate group websites. We are not responsible for the privacy practices or content of those sites and encourage you to read their privacy policies.

14

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or the law. The date at the top of this page shows when it was most recently revised. Significant changes will be highlighted on our website or communicated to you directly where appropriate.

15

Contact us

If you have questions about this policy or how we handle your personal information, please get in touch:

Premier Finance

Office #1802, 18th Floor, Marina Plaza, Dubai Marina, Dubai, United Arab Emirates

Email: info@premierfinance.ae

Phone: +971 4 356 2099 / +971 4 356 8153 / +971 4 356 2000

Monday to Friday, 9AM to 6PM