Privacy Policy

This Privacy Policy explains how Credora Financing Brokers L.L.C. ("Credora", "we", "us") collects, uses, discloses, and protects personal data in accordance with UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL).

1. Data Controller

Credora is the Data Controller for personal data processed through the Platform.

2. Personal Data We Collect

We may collect:

a) Information you provide

• Name, contact details, date of birth, nationality, address
• Employment or business details and income range
• Identification documents (e.g., Emirates ID, passport, visa)
• Financial and application-related information
• Communications with us (calls, emails, messages)

b) Automatically collected data

• IP address, device type, browser data
• Usage and interaction data
• Cookies and similar technologies

c) Third-party data

• Status updates from Lenders
• Verification or anti-fraud checks
• Credit-related information obtained by Lenders through UAE credit reporting frameworks, where applicable

3. Purpose of Processing

We process personal data to:

• Facilitate and manage financing applications
• Verify identity and prevent fraud
• Communicate updates and service messages
• Improve Platform functionality
• Comply with UAE legal and regulatory obligations

4. Legal Basis

Processing is based on:

• Your consent
• Performance of services requested by you
• Compliance with legal obligations under UAE law

You may withdraw consent at any time, subject to legal and operational limitations.

5. Data Sharing

We may share data with:

• Banks and financial institutions (Lenders)
• Technology, verification, and communication service providers
• Regulators or authorities when required by law
• Successor entities in case of corporate restructuring

We do not sell personal data.

6. Cross-Border Transfers

Your data may be processed outside the UAE (e.g., cloud hosting). Appropriate safeguards are applied in line with PDPL requirements.

7. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes outlined in this Policy or to comply with legal obligations.

8. Data Security

Credora implements reasonable technical and organizational security measures to protect personal data. While we strive to safeguard data, no system is completely secure.

9. Cookies

Cookies are used to:

• Enable core website functionality
• Analyze usage and improve services

You can control cookies through your browser settings.

10. Your Rights

Subject to PDPL, you may request:

• Access to your personal data
• Correction of inaccurate data
• Deletion or restriction of processing (where applicable)
• Information on how your data is used

Requests can be made by emailing privacy@credora.ae.

11. Marketing Communications

With your consent, we may contact you via email, SMS, or WhatsApp regarding products or offers. You may opt out of marketing communications at any time. Transactional or service-related messages may still be sent where necessary.

12. Children's Data

Credora does not knowingly collect personal data of individuals under 18 years of age.

13. Third-Party Websites

Credora is not responsible for the privacy practices of third-party websites linked on the Platform.

14. Complaints

If you have concerns about how we handle personal data, please contact us at privacy@credora.ae. You may also have the right to escalate complaints to the relevant UAE supervisory authority.

15. Updates

This Privacy Policy may be updated periodically. The latest version will always be available on the Platform.