At Instant debt management services (IDMS) , we value the trust you place in us when you share your personal data. We are committed to protecting your privacy and ensuring the confidentiality and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data when you use our services, visit our website, or interact with us in other ways.

Effective Date: 09/16/2010

Please read this policy carefully to understand how we process your personal data.

1. Information We Collect

We may collect the following types of personal data:

• Personal Identification Information: Full name, date of birth, gender, nationality.
• Contact Information: Email address, phone number, mailing address.
• Financial Information: Income, debts, financial status, assets, bank account details.
• Documents and Identifiers: Emirates ID, passport, proof of address, other documents necessary for debt management services.
• Other Information: Any other information you provide when interacting with us, such as queries, feedback, or communication.

2. How We Collect Your Information

We collect personal data from the following sources:

• Direct Interaction: When you provide your personal data by filling out forms, requesting services, or communicating with us directly via email, phone, or in person.
• Website Usage: When you visit our website, we may collect data via cookies, analytics, and other tracking technologies (refer to our Cookie Policy).
• Third-Party Sources: We may also receive information about you from third parties (e.g., financial institutions, credit bureaus) as part of the debt management process.

3. How We Use Your Information

We use your personal data for the following purposes:

• Debt Management Services: To provide you with financial advice, debt management, and debt settlement services.
• Communication: To communicate with you regarding your financial situation, updates about our services, and to respond to your inquiries or feedback.
• Legal and Regulatory Compliance: To comply with UAE laws and regulations, including financial regulations and any legal obligations related to debt management.
• Improvement of Services: To improve our services and website functionality.

4. Legal Basis for Processing Your Data

We process your personal data based on the following legal grounds:

• Contractual Necessity: The processing of your personal data is necessary to provide debt management services that you have requested.
• Legal Obligations: We may process your data to comply with legal obligations or regulatory requirements.
• Legitimate Interests: We may process your data for our legitimate business interests, such as improving our services, but only where your rights and interests do not override those interests.
• Consent: In certain cases, we may seek your explicit consent to process your data.

5. How We Share Your Information

We may share your personal data with the following parties:

• Service Providers: We may share your data with trusted third-party service providers (e.g., IT support, payment processors, legal advisors) who help us deliver our services.
• Regulatory Authorities: We may disclose your data to government agencies, regulators, or law enforcement authorities as required by UAE law.
• Business Transfers: In the event of a merger, acquisition, or sale of our business, your personal data may be transferred to the new entity.

6. Data Security

We take appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, alteration, or destruction. While we use commercially reasonable efforts to safeguard your data, please note that no method of electronic storage or transmission is 100% secure.

7. Retention of Your Data

We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. Once the data is no longer required, we will take steps to ensure it is securely deleted or anonymized.

8. Your Rights

Under the UAE Personal Data Protection Law, you have the following rights regarding your personal data:

• Access: You have the right to request access to the personal data we hold about you.
• Correction: You can request the correction of any inaccurate or incomplete personal data.
• Deletion: You have the right to request the deletion of your personal data, subject to certain conditions.
• Objection: You can object to the processing of your data in certain circumstances, such as when it is being used for direct marketing.
• Withdraw Consent: If we process your data based on consent, you have the right to withdraw that consent at any time.

To exercise your rights, please contact us using the details provided in the “Contact Us” section.

9. Cookies and Tracking Technologies

We may use cookies and similar technologies to collect data about your interactions with our website. For more information on how we use cookies, please refer to our Cookie Policy.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party websites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Please review this policy periodically to stay informed about how we are protecting your personal data.

12. Contact Us

If you have any questions about this Privacy Policy or how we process your personal data, please contact us at:

Instant Debt Management Services
1507, Saheel 2, al nahda 1 Dubai
[email protected]
+971 4 565 6708
www.idmsdubai.com

Additional Considerations:

• UAE Laws Compliance: Make sure the privacy policy complies with UAE-specific data protection laws, such as Federal Decree-Law No. 45 of 2021 and any sector-specific regulations.
• Data Processing Agreement: If you share data with third parties (e.g., service providers), ensure you have appropriate data processing agreements in place.
• Data Localization: Some data protection laws require that certain data be stored or processed within the UAE. Make sure to confirm where your data is stored and processed.