Effective Date: 24.02.2026
Website: lumina-mortgage.ae

Lumina Mortgage (“we,” “our,” “us”) respects your privacy and is committed to protecting your personal data in accordance with applicable laws of the United Arab Emirates, including Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL).

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage advisory services.

1. Information We Collect

We may collect the following types of personal information:

Information You Provide Directly

• Full name
• Phone number
• Email address

Information Collected Automatically

• IP address
• Browser type and version
• Device information
• Pages visited and time spent on the website
• Cookies and tracking data

2. How We Use Your Information

We use your information to:

• Assess your mortgage eligibility
• Connect you with a mortgage expert
• Submit applications to banks and financial institutions on your behalf
• Communicate with you regarding your inquiry
• Improve our website and services
• Comply with legal and regulatory obligations

We only process your data for legitimate business purposes and with your consent where required.

3. Sharing of Information

We may share your personal data with:

• Banks and financial institutions for mortgage processing
• Regulatory authorities if required by law
• Service providers assisting us with IT, hosting, analytics, or communication services

We do not sell your personal data to third parties.
All third parties are required to maintain confidentiality and protect your information.

4. Data Storage and Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction.
Your data may be stored on secure servers within or outside the UAE in compliance with applicable data protection laws.

5. Data Retention

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

• Fulfill the purposes outlined in this policy
• Comply with legal, regulatory, or contractual obligations

When no longer required, your data will be securely deleted or anonymized.

6. Your Rights

Under UAE data protection laws, you may have the right to:

• Access your personal data
• Request correction of inaccurate information
• Request deletion of your data (subject to legal requirements)
• Withdraw consent where applicable
• Object to certain types of processing

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

7. Cookies

Our website uses cookies to improve user experience and analyze website traffic. You can control cookie settings through your browser preferences.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those external sites.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact:

Lumina Mortgage

Website: lumina-mortgage.ae
Email: [Insert Contact Email]
Phone: [Insert Contact Number]
Address: [Insert Company Address]