Effective Date: 20/10/2024

First Choice Mortgage Broker ("FCMB," "we," "us," or "our") is committed to protecting the privacy of our customers and website visitors. This Privacy Policy explains how we collect, use, and disclose your personal information when you use our services or visit our website https://fcmb.ae, and how we comply with the applicable data protection laws in the United Arab Emirates (UAE).

By accessing our services or website, you agree to the terms outlined in this Privacy Policy. If you do not agree with these terms, please refrain from using our services.

1. Information We Collect

We collect and process personal information to provide you with the best possible mortgage services. The types of personal information we collect include:

• Personal Identification Information: Name, email address, phone number, postal address, and any identification documents (e.g., Emirates ID, passport).
• Financial Information: Details regarding your income, banking information, property ownership, credit history, and other information relevant to assessing your mortgage application.
• Technical Data: Information such as your IP address, browser type, operating system, and usage data collected through cookies and similar tracking technologies when you visit our website.
• Communication Information: Any information you provide when you contact us via email, phone, or other channels.

2. How We Use Your Information

We may use your personal information for the following purposes:

• Mortgage Processing: To assess, process, and facilitate your mortgage application and ensure proper communication throughout the process.
• Customer Support: To respond to your queries, requests, or concerns and provide assistance as needed.
• Compliance: To comply with legal, regulatory, and compliance obligations in the UAE, including anti-money laundering and financial regulations.
• Marketing and Communications: To send you updates, newsletters, promotions, or other information related to our services if you have opted in to receive such communications.
• Website Functionality and Improvement: To analyze website performance, improve user experience, and monitor site usage trends.

3. How We Share Your Information

We do not sell, trade, or rent your personal data to third parties. However, we may share your information in the following scenarios:

• Lenders and Financial Institutions: We share relevant data with mortgage lenders or financial institutions to process and facilitate your mortgage application.
• Third-Party Service Providers: We may engage trusted third-party providers for services such as IT support, analytics, payment processing, and marketing assistance. These providers are bound by strict confidentiality agreements.
• Legal Requirements: We may disclose personal information if required by law, court order, or to comply with legal obligations in the UAE, including responding to regulatory authorities.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies on our website to enhance user experience and monitor website usage. Cookies are small files stored on your device that help us analyze how users interact with our website.

You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of certain parts of our website.

5. Data Security

We take the security of your personal information seriously and implement industry-standard security measures to protect against unauthorized access, alteration, disclosure, or destruction of your data. These measures include encryption, firewalls, and secure access controls.

While we strive to protect your data, please be aware that no system is entirely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once the information is no longer needed, it will be securely deleted or anonymized.

7. Your Rights

As a user or customer, you have the following rights regarding your personal information:

• Access: You have the right to request access to the personal information we hold about you.
• Correction: You may request that we correct or update any inaccurate or incomplete information.
• Deletion: You have the right to request the deletion of your personal data under certain circumstances, subject to legal requirements.
• Opt-Out of Marketing: You can opt-out of receiving marketing communications from us at any time by following the unsubscribe link in our emails or contacting us directly.

8. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies before interacting with them.

9. International Data Transfers

Although we operate within the UAE, some of our service providers may be located outside the UAE. When we transfer your data internationally, we ensure that it is protected in compliance with applicable data protection laws and contractual obligations.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any updates will be posted on our website with the updated effective date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy or your personal information, please feel free to contact us at:

Office #2512, DAMAC Smart Heights,
7 Al Nahar 2 St, Barsha Heights, TECOM,
Dubai, UAE.
Phone: +971 50 603 6088
Email: mortgages@fcmb.ae
Website: https://fcmb.ae