Privacy Policy

Last updated: [date] — draft, pending legal review

⚠ Not yet legally reviewed. This is a working draft covering standard practice for a lending-referral business, written to be genuinely useful as a starting point — but it has not been reviewed by a qualified lawyer. Given this site handles personal and financial data of users across India, the UAE, and other jurisdictions (each with different data protection regimes — India's DPDP Act, UAE data protection law, and potentially GDPR for EU-based users), please have counsel review before this goes live.

1. Who we are

NRI Home Finance is operated by IA Wealth Real Estate LLC (RERA Reg. 52591, Trade License 1512596, Broker Card 86334), based in Dubai, UAE, acting as a registered Direct Selling Agent (DSA) connecting NRI customers with partner banks and NBFCs in India.

2. Information we collect

We collect information you provide directly, such as:

Name, contact details (phone, email, WhatsApp), and country of residence
Income and employment information you share for eligibility checks
Property details related to your loan enquiry
Documents you choose to share as part of a loan application

We also collect limited technical information automatically, such as pages visited and general device/browser information, to understand site usage.

3. How we use your information

To respond to your enquiry and assess loan eligibility
To connect you with relevant banks or NBFCs on our panel, with your consent
To communicate with you via WhatsApp, phone, or email about your enquiry
To improve our website and services
To comply with applicable legal and regulatory requirements

4. Sharing your information

As a loan referral DSA, sharing your information with prospective lenders is core to how this service works. We share your information with:

Banks and NBFCs on our panel, when you request a loan comparison or application, so they can assess your eligibility
Service providers who help us operate this website (e.g., hosting, analytics)
Regulators or authorities, where required by law

We do not sell your personal information to third parties for marketing purposes.

5. Data retention

We retain your information for as long as necessary to fulfil the purposes described in this policy, and as required by applicable financial or regulatory recordkeeping obligations.

6. Your rights

Depending on your country of residence, you may have rights to access, correct, or request deletion of your personal information. To exercise these rights, contact us using the details below.

7. Cookies

This website may use cookies or similar technologies to understand site usage. You can control cookies through your browser settings.

8. Security

We take reasonable measures to protect your information, but no method of transmission or storage is completely secure. Avoid sharing sensitive documents (like passports or bank statements) over unsecured channels where possible.

9. International data transfers

Because we serve NRIs across many countries, your information may be processed in India, the UAE, or other locations where we or our partners operate.

10. Changes to this policy

We may update this policy from time to time. The "last updated" date at the top reflects the most recent revision.

11. Contact us

For privacy-related questions, contact us via WhatsApp or email at dubai@investadvise.in.