PRIVACY POLICY
EliteFin Advisors
Effective Date: 18 March 2026 | Last Updated: 18 March 2026
1. Introduction
EliteFin Advisors ("EliteFin", "we", "us", or "our") is a mortgage consultancy firm operating in the United Arab Emirates. We are committed to protecting the privacy and personal data of all individuals who visit our website at www.elitefin.ae, use our calculators, or engage our advisory services.
This Privacy Policy explains how we collect, use, store, share, and protect your personal information in accordance with the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data and other applicable UAE regulations. By accessing our website or using our services, you consent to the practices described in this Policy.
2. Information We Collect
a) Information You Provide Directly
When you fill out a contact form, eligibility assessment form, or communicate with us via WhatsApp, email, or telephone, we may collect:
• Full name
• Phone number and WhatsApp number
• Email address
• Employment details (employer name, monthly salary)
• Nationality and residency status
• Property details (type, value, location)
• Existing loan or liability information
• Service enquiry and message content
b) Information Collected Automatically
When you visit our website, we may automatically collect:
• IP address and approximate geographic location
• Browser type and version
• Pages visited and time spent on each page
• Referring website or search engine
• Device type (desktop, mobile, tablet)
• Cookie data and session identifiers
c) Calculator Tool Data
Data entered into our Mortgage Affordability Calculator, EMI Calculator, or Buyout Savings Calculator is processed in real time for the purpose of generating your personalised results. This data may be retained for service improvement purposes.
3. How We Use Your Information
We use the information we collect for the following purposes:
• To assess your mortgage eligibility and provide personalised financial guidance
• To compare available mortgage products across our partner banks on your behalf
• To respond to your enquiries and provide customer support
• To send you relevant updates about your application or enquiry (where you have consented)
• To improve our website functionality and user experience
• To comply with our legal and regulatory obligations under UAE law
• To detect and prevent fraud or misuse of our services
• For internal analytics and reporting purposes
We do not use your personal data for automated decision-making or profiling in a manner that produces legal effects without human oversight.
4. Sharing of Your Information
EliteFin Advisors does not sell your personal data to third parties. We may share your information in the following limited circumstances:
a) Partner Banks and Financial Institutions
With your explicit consent, we may share relevant financial and personal data with UAE-licensed banks and financial institutions for the purpose of processing a mortgage application or obtaining a product quote on your behalf.
b) Service Providers
We engage trusted third-party service providers (such as website hosting, CRM, and email services) who process data on our behalf under strict confidentiality obligations. These providers are not permitted to use your data for any other purpose.
c) Legal and Regulatory Requirements
We may disclose your information if required to do so by law, court order, or a competent UAE regulatory authority, including the Central Bank of the UAE (CBUAE) or relevant government bodies.
d) Business Transfers
In the event of a merger, acquisition, or business restructuring, your personal data may be transferred as part of that transaction, subject to the same privacy protections outlined in this Policy.
5. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience. These include:
• Essential cookies: Necessary for the website to function correctly.
• Analytics cookies: Help us understand how visitors use our website (e.g., Google Analytics).
• Marketing cookies: Used to deliver relevant content and measure the effectiveness of our communications.
You may configure your browser settings to refuse cookies; however, doing so may limit certain website functionality. By continuing to use our website without changing your cookie settings, you consent to our use of cookies.
6. Data Retention
We retain your personal data for as long as necessary to fulfil the purposes outlined in this Policy, or as required by UAE law and regulatory guidelines. Typically:
• Enquiry and consultation data is retained for up to 5 years from the date of last contact.
• Mortgage application data may be retained for up to 7 years in accordance with UAE financial record-keeping requirements.
After the applicable retention period, data is securely deleted or anonymised.
7. Data Security
We implement appropriate technical and organisational security measures to protect your personal data against unauthorised access, disclosure, alteration, or destruction. These measures include SSL/TLS encryption on our website, access controls, and regular security reviews. While we take every reasonable precaution, no method of data transmission over the internet is completely secure.
8. Your Rights
Under the UAE Federal Decree-Law No. 45 of 2021, you have the right to:
• Access the personal data we hold about you
• Correct any inaccurate or incomplete data
• Request deletion of your personal data, subject to our legal obligations
• Withdraw consent at any time, where processing is based on consent
• Object to the processing of your data for marketing purposes
• Request restriction of processing in certain circumstances
To exercise any of these rights, please contact us using the details in Section 11. We will respond to your request within 30 calendar days.
9. Third-Party Links
Our website may contain links to third-party websites, including those of our banking partners. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of the website after any such changes constitutes your acceptance of the updated Policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact us:
EliteFin Advisors
Email: info@elitefin.ae
Website: www.elitefin.ae
Location: United Arab Emirates
© 2026 EliteFin Advisors. All Rights Reserved.
