We are DigiDeed Mortgage broker online platform.
We help people find the best solutions for real estate financing.
Here, we talk about the data we collect and use to find the best mortgage solutions. We inform you about our procedures and methods to ensure confidentiality, including the personal information we collect about you, how we obtain your personal information, and how we use it.
Personal data means information relating to you or by which we can identify you directly or indirectly by way of linking data, using identifiers such as your name, voice, picture, geographic location or one or more special features that express your physical, psychological, economic, cultural or social identity. Personal data also includes sensitive personal data and biometric data.
We collect information from users who register on our platform, fill out our application forms, or submit mortgage loan applications. This information may include the below personal data:
Identification data such as: your title, surname, first name, signature, and contact details, including, for example, your email address, home and mobile phone numbers, and fax number;
Geographical location such as your home address, mailing address, and address history;
Social identity such as your government identification number, passport or identification document, issuing country, expiration date, date of birth and/or age the place of birth, nationality, residency information, and any other citizenship as required for compliance with our legal and regulatory requirements; to verify that you are eligible to apply for a product and/or that it is suitable for you;
Technical data such as your IP address, MAC address, type of browser, security identifiers and type of device used and records of how we have been contacted, and if the contact was made through the internet;
Detailed information about your marital status, spouse's name, information about dependents, beneficiaries, beneficial owners, representatives, compensators, tax status, sources of income and funds, assets, and liabilities, as well as whether you are is a politically exposed person;
Professional data such as position held, field of activity, identity of your employer, income, and length of employment;
Security identifiers.
2.1 Typically, we collect your personal information directly from you. The provision of your personal data is voluntary, but we will be unable to provide you with the services and information you request without it. For example, if you submit a mortgage application you will need to provide us with your personal data such as your professional data and salary information so that we can respond to you.
In any case, we will inform you when it is mandatory to provide your personal data and when it is optional.
Should you provide us with personal data belonging to third parties (your spouse, dependents etc.), you undertake to ensure that such persons have been duly informed of the processing of their personal data in accordance with this policy and, if required, have consented to the processing of their personal data.
If an approved intermediary has introduced you to us, we will receive some personal information about you indirectly from them. Additionally, we may obtain your personal information from other sources such as fraud prevention agencies, credit reference agencies, your employer, landlord, other creditors, publicly available directories and information (e.g., telephone directory, social media, the internet, news articles).
3.1. We take measures to protect users' personal data from unauthorized access, use, or disclosure. Access to the data is restricted to authorized employees who are obligated to maintain confidentiality.
3.2. We store your personal data for no longer than is necessary for the purpose of the processing concerned. In other words, this means that the storage periods we apply vary depending on the purpose for which the data was being processed in the first place. In any case, once the applicable storage period has elapsed, we will irrevocably erase or anonymize your personal data so that you can no longer be identified.
3.3 We employ technical and organizational security measures to protect data from loss, theft, or damage.
The legal basis for your personal data collection and processing
Further are the legal bases relevant to us under applicable laws:
Processing is necessary for the performance of our contract with you or for taking steps prior to entering into a contract, including but not limited to:
Administering and managing your personal account and related services, updating your records, tracking your location to contact you regarding your account and for debt recovery purposes.
Sharing your personal information with other service providers, including banks, payment services, and other providers.
All actions related to the management of your personal account, including application, administration, and management of accounts, illustrations, capital transfer requests, and creation/modification/deletion of guarantors.
Processing is necessary to comply with our legal obligations, including but not limited to:
a. Complying with applicable laws.
b. Establishing, protecting, and enforcing our lawful rights or the rights of any other member of our Group.
c. Conducting activities related to the prevention, detection, and investigation of crimes.
d. Conducting identity, anti-money laundering, and fraud prevention checks before submitting an application, at the application stage, and periodically thereafter. If you have been introduced to us by a broker or other intermediary, they may carry out these checks on our behalf.
e. Monitoring and record-keeping.
f. Processing your requests to exercise your rights in accordance with laws.
g. Processing crime or offense information and related investigations (this would apply in practice if we know or suspect fraud).
4.1. We do not sell, trade, or transfer users' personal data to third parties without their consent, except when necessary for processing mortgage applications or complying with the law.
4.2. In the context of our processing operations, we may communicate your personal data to the following recipient:
a. to our service providers, suppliers, agents, and contractors, to the extent that they assist us in carrying out the purposes set out in this policy (e.g., we use IT service providers to host your personal data on our behalf);
b. to other organizations and enterprises that provide services to us, such as backup and server hosting providers, communication service providers, software and IT maintenance providers, document storage service providers, and other back-office function providers;
c. our legal and other professional consultants, auditors, and actuaries;
e. to your authorized representative, guarantor, or any other individual representing your interests or authorized to act on your behalf (if applicable).
f. to banks or financial institutions to perform services related to mortgage application processing; and
g. to competent courts, public authorities, government agencies and law enforcement agencies (including where we are required to comply with legal or regulatory requests) such as the Dubai Land Department, the Dubai Real Estate Regulatory Agency (“RERA”) and the Central Bank of the UAE for mortgage application processing.
5.1. Users of the application may provide their consent for the collection, processing, and use of their personal data by accepting our privacy policy and submitting a mortgage application through the application using legally authorized electronic signature tools compliant with UAE legislation