Luxury Villa Mortgages

    Legal

    Privacy Policy.

    Last updated: 1 June 2026

    Luxury Villa Mortgages ("we", "our", "us") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://luxuryvillamortgages.com or engage our mortgage advisory services.

    Who we are

    Luxury Villa Mortgages is a Dubai-based mortgage advisory desk specialising in villa financing of AED 10M and above. We act as an independent intermediary between clients and UAE lenders. We are not a bank and do not underwrite loans. Our registered contact is concierge@luxuryvillamortgages.com.

    Information we collect

    We collect information you provide directly to us, including:

    • Contact details — name, email address, phone number, and WhatsApp number.
    • Financial information — income, assets, liabilities, property details, and credit history (only as needed to assess mortgage eligibility).
    • Identification — copy of passport, Emirates ID, visa, and proof of address (for lender applications).
    • Correspondence — messages sent via WhatsApp, email, or our contact forms.

    We also collect certain information automatically when you browse the website:

    • Usage data — pages visited, time spent, referral source, and interactions with our calculators and tools.
    • Device data — browser type, operating system, IP address, and device type.

    Cookies and tracking technologies

    We use the following cookies and similar technologies:

    • Google Tag Manager (GTM) — manages the deployment of tracking tags without storing personal data itself.
    • Google Analytics 4 (GA4) — anonymised usage analytics to understand how visitors use the site and improve our content. IP addresses are anonymised. Data retention is set to 14 months.
    • WhatsApp click-to-chat — when you click our WhatsApp link, Meta may set cookies in connection with the WhatsApp service. We do not control those cookies.
    • Essential cookies — required for the website to function (session management, CSRF protection).

    You can control cookie preferences through your browser settings. Disabling certain cookies may affect site functionality.

    How we use your information

    We use your personal data for the following purposes:

    • To provide mortgage advisory services, including assessing eligibility and submitting applications to lenders.
    • To respond to your enquiries via WhatsApp, email, or contact forms.
    • To improve our website, calculators, and content based on usage patterns.
    • To comply with legal and regulatory obligations under UAE law.
    • To send service-related communications (not marketing — we do not operate email marketing lists).

    Legal basis for processing (GDPR)

    If you are visiting from the European Economic Area (EEA) or the United Kingdom, our processing of your personal data is based on the following lawful grounds:

    • Consent — where you have agreed to cookies (via your browser settings) or submitted your details via a contact form.
    • Contractual necessity — processing necessary to provide our mortgage advisory services to you.
    • Legitimate interests — improving our website, preventing fraud, and managing our business operations.

    Data sharing and disclosure

    We do not sell your personal data. We may share your information with:

    • UAE lenders and banks — strictly as required to process your mortgage application.
    • Service providers — such as CRM platforms, analytics providers (Google), and communication tools (WhatsApp), bound by data processing agreements.
    • Regulatory authorities — if required by applicable law or a valid legal request.

    Data retention

    We retain personal data only as long as necessary for the purposes described in this policy:

    • Mortgage application data is retained for 6 years after the last contact to comply with UAE regulatory requirements.
    • Enquiry data (contact forms, WhatsApp messages not leading to an application) is retained for 12 months.
    • Analytics data is retained for 14 months (per GA4 default setting).

    Your rights (GDPR & DPA)

    If you are resident in the EEA, UK, or Switzerland, you have the following rights regarding your personal data:

    • Right of access — request a copy of the data we hold about you.
    • Right to rectification — correct inaccurate or incomplete data.
    • Right to erasure — request deletion of your data where there is no legitimate reason for continued processing.
    • Right to restrict processing — limit how we use your data.
    • Right to data portability — receive your data in a structured, machine-readable format.
    • Right to object — object to processing based on legitimate interests or direct marketing.

    To exercise any of these rights, contact us at concierge@luxuryvillamortgages.com. We will respond within 30 days. You also have the right to lodge a complaint with your local data protection authority.

    International data transfers

    Your data may be transferred to and processed in countries outside the UAE or your country of residence, including where our service providers operate (e.g. Google servers). Where such transfers occur, we ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs) where required under GDPR.

    Data security

    We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or destruction. This includes HTTPS encryption, access controls, and secure data storage. However, no transmission over the internet is completely secure, and we cannot guarantee absolute security.

    Third-party links

    Our website contains links to other sites, including lender portals, WhatsApp, and property portals. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

    Changes to this policy

    We may update this policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

    Contact us

    If you have questions about this privacy policy or wish to exercise your data rights, please contact us:

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