Privacy Policy

1. Introduction

This Privacy Policy explains how we collect, use, store, and protect personal data when you access our website, submit a consultation or contact form, create a customer account, or otherwise engage with us.

2. Data Controller

Elite SME Financial Consultancy acts as the data controller for personal data collected through this website and related forms.

For privacy-related inquiries or data-subject requests, please use the contact details at the end of this page.

3. Personal Data We Collect

We may collect the following categories of personal data:

A. Contact information

• Full name
• Email address
• Phone number
• Company name
• Job title

B. Business information

• Business type, size, and other profile details you provide
• Financial figures you choose to share (for example capital or turnover)
• Service interest (such as cash loans, trade finance, or bank accounts)
• Supporting documents you upload, such as licences or bank statements, to help match you with partner institutions

C. Communication data

• Messages submitted through contact or consultation forms
• Email and phone correspondence
• Meeting notes, where applicable

D. Technical data

• IP address
• Browser type and device information
• Website usage analytics
• Language preference

We do not collect payment-card numbers or execute banking transactions through this website. Any facility, account opening, or credit decision is handled by the relevant licensed institution.

4. Lawful Basis for Processing

We process personal data based on:

• Consent provided by the individual
• Legitimate business interest
• Compliance with applicable legal obligations

Where consent is required, it may be withdrawn at any time using the contact details below.

5. Purpose of Processing

Personal data may be used for:

• Responding to inquiries and consultation requests
• Creating and administering customer accounts
• Facilitating introductions to licensed partner banks and financial institutions
• Coordinating documentation and communication between parties
• Conducting basic due diligence prior to introductions
• Improving website functionality
• Compliance with applicable UAE law

Elite SME does not use personal data for automated decision-making or profiling that produces legal or similarly significant effects. Credit decisions, if any, are made by licensed partner institutions.

6. Data Sharing

Personal data may be shared with:

• Licensed partner banks and financial institutions, where an introduction is requested
• Professional advisors (legal, compliance, audit)
• IT service providers supporting website hosting, analytics, and operational communications

We do not sell personal data. Third parties are expected to maintain confidentiality and data-protection standards consistent with applicable law.

7. Cross-Border Data Transfers

Where introductions involve institutions outside the UAE, personal data may be transferred outside the UAE. Such transfers will be conducted in accordance with applicable UAE data-protection requirements.

8. Data Retention

Personal data will be retained only for as long as necessary to:

• Fulfil the purpose for which it was collected
• Comply with legal and regulatory obligations
• Resolve disputes

Data that is no longer required will be securely deleted.

9. Data Security

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, disclosure, alteration, loss, or destruction.

No online transmission can be guaranteed to be fully secure. Users are responsible for maintaining the security of their own devices and credentials.

10. Data Subject Rights

Under UAE PDPL, individuals may have the right to:

• Access their personal data
• Request correction of inaccurate data
• Request deletion, where applicable
• Restrict processing
• Withdraw consent
• Object to processing, where legally applicable

Requests may be submitted using the contact details below.

11. Cookies and Tracking

Our website may use cookies and analytics tools to operate the site and understand how it is used. Details are set out in the Cookie Policy on this page.

12. Third-Party Links

This website may contain links to external websites, including partner institutions. Elite SME is not responsible for the privacy practices of third-party websites.

13. Updates to This Policy

This Privacy Policy may be updated periodically. The updated version will be posted on this page with a revised effective date.

1. Introduction

By continuing to use our website, you consent to the use of cookies as described here, unless you disable them through your browser settings. Some cookies are required for the site to function.

2. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help with functionality, security, language preference, and understanding how the site is used.

Cookies do not give us access to your computer or to information beyond what you choose to share or what is collected as described in this policy.

3. Types of Cookies We May Use

A. Essential cookies

These cookies are necessary for the website to function. They may include security cookies, session management, form submission, and language preference. Without them, certain features may not operate correctly.

B. Performance and analytics cookies

These cookies help us understand how visitors use the website. They may collect information such as pages visited, time spent, device type, browser type, and approximate region. This information is aggregated and is not used to make financing decisions.

Analytics tools may include third-party providers such as Google Analytics or similar services, where enabled.

C. Functional cookies

These cookies remember preferences such as language so the site can present a consistent experience on later visits.

4. Cookies We Do Not Use

Elite SME does not use cookies for:

• Selling personal data
• Automated credit or financing decisions
• Behavioural advertising networks

5. Managing Cookies

You can manage or disable cookies through your browser settings. Most browsers allow you to view, delete, or block cookies. Disabling essential cookies may affect website functionality, including language preference.

6. Third-Party Cookies

Some cookies may be placed by third-party providers that support analytics or hosting. Those parties operate under their own privacy policies. Elite SME does not control third-party cookie policies.

7. Data Protection Compliance

Cookie usage is aligned with applicable UAE data-protection principles under Federal Decree-Law No. 45 of 2021 (PDPL). Personal data collected via cookies is processed in accordance with our Privacy Policy.

8. Updates to This Policy

We may update this Cookie Policy from time to time. Changes will be published on this page with a revised effective date.