Privacy Policy

This Privacy Policy explains how Equity Ngin (“we”, “us”, “our”) collects, uses, stores, and protects your personal data when you visit our website, communicate with us, or use our services.
We are committed to safeguarding your privacy in accordance with UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL).

By using our website or submitting your information, you agree to the practices outlined in this policy.

1. What Personal Data We Collect

We may collect the following personal data:

1.1 Personal Information

Full name
Email address
Phone number or WhatsApp number
Nationality (if relevant for financing)

1.2 Financial Information

(Provided voluntarily during consultations)

Income and employment details
Mortgage balance
Property value
Debt information
Investment goals

1.3 Technical & Website Data

IP address
Device information
Browser information
Cookies (for analytics and functionality)

1.4 Communications

WhatsApp messages
Emails
Consultation notes

2. How We Use Your Personal Data

We use your data for the following purposes:

To conduct initial equity assessments
To provide investment and refinancing advice
To connect you with licensed UAE mortgage brokers or real estate partners
To respond to inquiries and provide customer support
To improve our website, services, and communication
To comply with UAE legal obligations

We do not sell or rent your personal data.

3. Sharing Your Data

We only share your data with trusted third parties when necessary:

3.1 Mortgage Brokers / Financial Institutions

To assist in securing the best refinancing options.

3.2 Licensed Real Estate Brokers

To process property transactions and complete RERA requirements.

3.3 Service Providers

For website hosting, analytics, email systems, and secure data storage.

3.4 Legal Compliance

If required by UAE law or regulatory authorities.

All third parties are required to keep your information confidential and use it only for the purpose provided.

4. Legal Basis for Processing (UAE PDPL)

We process your data under the following lawful bases:

Your consent (when you submit information voluntarily)
Contractual necessity (to provide services you request)
Legitimate interest (conducting business and improving services)
Compliance with UAE laws and regulations

You may withdraw consent at any time by contacting us.

5. How We Protect Your Data

We implement appropriate technical and organisational measures to protect your personal data, including:

Encrypted storage
Secure communication channels
Restricted access to financial information
Regular cybersecurity monitoring

However, no online system can guarantee 100% security.

6. International Transfers

Where necessary, we may transfer data outside the UAE (e.g., cloud hosting).
All transfers comply with PDPL requirements, ensuring adequate protection.

7. Retention of Personal Data

We retain your data only for as long as necessary to:

Provide our services
Fulfil legal or regulatory obligations
Resolve disputes
Maintain accurate business records

You may request deletion of your data at any time (unless legally required to keep it).

8. Your Rights Under UAE PDPL

You have the right to:

Access your personal data
Correct inaccurate information
Request deletion of your data
Withdraw consent
Object to certain processing activities
Request a copy of your data

To exercise your rights, contact us at the details below.

9. Cookies & Tracking

Our website may use cookies for:

Analytics
Website performance
Improving user experience

You may disable cookies via your browser settings, though some features may not function correctly.

10. Contact Information

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact:

Equity Ngin
Email: [Insert email]
WhatsApp: [Insert number]
Dubai, United Arab Emirates

11. Changes to This Policy

We may update this Privacy Policy when necessary.
Any changes will be posted on this page with an updated “Last Updated” date.