Privacy Policy

Last Updated: May 13, 2026

Crelco (“we,” “our,” or “us”) is committed to protecting your privacy and handling your personal information responsibly and in accordance with applicable laws and regulations in the United Arab Emirates. This Privacy Policy explains what information we collect when you visit www.crelco.com, use our mortgage calculators, complete contact forms, communicate with us by phone, email, or WhatsApp, or engage us for mortgage advisory services.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including your name, email address, telephone number, WhatsApp number, employment details, income information, property details, mortgage requirements, and any other financial or supporting information you choose to share with us. We may also automatically collect technical information such as your IP address, browser type, device information, pages visited, and general website usage data through cookies and analytics tools.

2. How We Use Your Information

We use your information to respond to your inquiries, assess your mortgage eligibility, provide mortgage advisory services, arrange consultations, communicate with banks and financial institutions on your behalf, improve our website and services, maintain business records, and comply with legal, regulatory, and compliance obligations. Submission of information through our website does not create a client relationship and does not guarantee mortgage approval, financing, or specific terms.

3. Disclosure of Information

We may disclose your information to banks, credit bureaus, valuation companies, government authorities, professional advisers, and trusted third-party service providers where necessary to provide our services, process your request, operate our business, or comply with legal and regulatory obligations. We do not sell, rent, or trade your personal information to third parties. While we take reasonable care in selecting third parties, we are not responsible for the privacy practices, acts, or omissions of any third party once your information has been lawfully shared with them.

4. Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect your information. However, no internet transmission or electronic storage system is completely secure. By using our website and services, you acknowledge and accept that we cannot guarantee absolute security and disclaim liability for unauthorized access, interception, loss, misuse, or alteration of data except to the extent required by applicable law.

5. Cookies and Analytics

We may use cookies, pixels, and analytics technologies to improve website performance, understand user behavior, and support marketing efforts. By continuing to use our website, you consent to such technologies unless you disable them in your browser settings.

6. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain records, satisfy regulatory and legal requirements, resolve disputes, enforce our agreements, and protect our legal rights.

7. Your Rights

Subject to applicable law, you may request access to, correction of, or deletion of your personal information, or request that we limit certain processing activities. We may require verification of your identity and may decline requests where retention is required by law or for legitimate business purposes.

8. Third-Party Websites

Our website may contain links to third-party websites and services. We are not responsible for the content, security, or privacy practices of those third parties, and your use of them is at your own risk.

9. No Advice or Guarantee

Information provided on this website, including calculator results and educational content, is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Any estimates are illustrative only and may not reflect actual lending decisions. Mortgage approvals, interest rates, fees, and terms are determined solely by the relevant lender and are subject to change without notice.

10. International Transfers

Your information may be processed or stored in jurisdictions outside the United Arab Emirates by service providers or business partners. By submitting your information, you consent to such transfers, subject to reasonable safeguards where applicable.

11. Limitation of Liability

To the fullest extent permitted by law, Crelco Consultancy FZCO and its directors, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to the collection, use, disclosure, storage, or transmission of your personal information, except where liability cannot be excluded under applicable law.

12. Changes to This Privacy Policy

We may amend this Privacy Policy at any time without prior notice. The updated version will be posted on this page and will become effective upon publication.

13. Contact Us

If you have any questions regarding this Privacy Policy or our handling of personal information, please contact:

Crelco Consultancy FZCO
Email: info@crelco.com
Website: www.crelco.com