Privacy Policy

1. Who We Are

ARAB OFW LOANS & PARTNERS operates as a loan brokerage, referral, document coordination, and applicant support service. The Company is not a bank, lender, credit provider, or financial institution unless expressly stated otherwise. Our services involve assisting applicants in submitting loan requests and connecting eligible applicants with participating lenders and financial institutions.

2. Information We Collect

A. Personal Identification Information

• Full legal name, date of birth, nationality, gender (where voluntarily provided)
• Passport number, government-issued identification numbers
• Residency permit information: Civil ID, Emirates ID, Qatar ID, CPR, Oman ID, Iqama, or similar

B. Contact Information

• Residential and mailing address, telephone numbers, email addresses, emergency contact information

C. Employment Information

• Employer name and address, job title, employment status, length of employment, salary details, employment contract information

D. Financial Information

• Salary certificates, payslips, bank statements, existing loan obligations, credit-related information

E. Technical Information

• IP address, browser type, device identifiers, operating system, website usage data, login information

F. Communication Records

• Customer support inquiries, emails, chat messages, telephone call records where legally permitted

3. How We Collect Information

• Online application forms and account registration
• Document uploads, email communications, telephone conversations
• Messaging applications, website analytics technologies
• Referral partners, verification service providers, participating lenders

4. Purposes of Processing

We process personal information for legitimate business purposes including:

• Loan Application Processing: Reviewing applications, evaluating eligibility, preparing lender submissions, managing waiting lists
• Identity Verification: Confirming applicant identity, preventing impersonation, authenticating submitted documents
• Fraud Prevention: Detecting suspicious activity, investigating potentially fraudulent applications
• Compliance Requirements: AML reviews, KYC verification, internal compliance procedures, regulatory obligations
• Customer Service: Responding to inquiries, providing application updates, resolving complaints
• Business Operations: Recordkeeping, performance monitoring, service improvement, risk management

5. Consent to Share Information

By submitting an application, you expressly authorize ARAB OFW LOANS & PARTNERS to disclose relevant information to: banks, financial institutions, licensed lenders, credit assessment providers, verification companies, compliance vendors, technology service providers, and legal and professional advisers. Such disclosures may occur before, during, or after lender review.

6. Cross-Border Data Transfers

Because our applicants may be located in Saudi Arabia, UAE, Qatar, Kuwait, Bahrain, Oman, the United States, and other jurisdictions, information may be transferred internationally. By using our services, you acknowledge that your information may be processed, stored, and transferred across borders where required.

7. Data Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction. Security measures include secure server environments, encryption technologies, access controls, authentication procedures, employee confidentiality obligations, and monitoring systems. Despite these safeguards, no system can guarantee absolute security.

8. Data Retention

We retain personal information for as long as reasonably necessary to process applications, facilitate lender reviews, meet legal obligations, resolve disputes, detect fraud, and maintain business records. Applicants acknowledge that verification records may remain in compliance archives even if an application is later withdrawn.

9. Applicant Rights

Subject to applicable laws, applicants may have the right to: request access to personal information, request correction of inaccurate information, request deletion of certain information, request restrictions on processing, withdraw consent where applicable, and request information concerning data sharing practices. The Company may decline requests where legal obligations, fraud prevention requirements, or legitimate business interests require continued processing.

10. Document Storage and Verification Records

Documents uploaded through the platform may be retained for verification purposes, compliance reviews, fraud prevention, lender submissions, and internal audits. This includes passports, residence permits, salary certificates, employment contracts, bank statements, and identification cards.

11. Marketing Communications

We may send communications regarding application updates, service announcements, new lender programs, and product offerings. Applicants may opt out of marketing communications at any time. Operational and compliance-related communications may continue even after marketing preferences are changed.

12. Children's Privacy

Our services are intended solely for adults who meet applicable eligibility requirements. We do not knowingly collect personal information from individuals below the legal age required to enter financial agreements in their jurisdiction.

13. Changes to This Privacy Policy

We reserve the right to amend this Privacy Policy at any time. Updated versions become effective immediately upon publication on the website unless otherwise stated. Continued use of our services constitutes acceptance of revised terms.

14. Contact Information

Questions concerning this Privacy Policy may be submitted through the contact information provided on our website.