At SELCTUS Financing Services (“SELCTUS”), we are committed to ensuring that all personal and financial data is handled with the utmost care, in line with UAE data protection laws, including the Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data.

1. Purpose

This policy outlines how SELCTUS collects, stores, processes, shares, and protects client information through our digital platforms and during the loan facilitation process.

2. Data Collection

We collect data that you provide directly through application forms, email correspondence, or during consultations. This may include your name, Emirates ID, passport, contact information, salary details, bank statements, and trade license (for SMEs).

3. Data Usage

Collected data is used to assess eligibility, prepare documentation, submit applications to financial institutions, and communicate relevant loan or advisory services. Your data is not used for unsolicited marketing or unrelated purposes.

4. Data Sharing

We only share your data with licensed banks and financial institutions in the UAE as necessary to fulfill our services. We do not sell, lease, or distribute personal data to third parties for commercial gain.

5. Data Storage and Protection

All data is stored on secure systems with restricted access. We use encryption and cybersecurity tools to prevent unauthorized access, in compliance with UAE cybersecurity and privacy regulations.

6. Consent and Rights

By using our services, you consent to the collection and use of your information as described. You have the right to request access, correction, or deletion of your data at any time.

7. Data Retention

We retain personal data only as long as necessary for service delivery, legal compliance, or regulatory purposes, after which it is securely deleted.

8. Compliance with UAE Laws

This policy complies with UAE Federal Data Protection Law and other related regulations enforced by the UAE Central Bank and relevant authorities.

9. Changes to Policy

SELCTUS reserves the right to update this policy periodically. Any changes will be published on our website and apply immediately upon posting.

10. Contact Information

For any data-related inquiries, you may contact us at info@selctusfinancing.ae or call our data protection officer at +971-525-938423.