Your Privacy Matters to Us

Effective Date: 15th August 2025

Welcome to PAIA Finance ("we", "our", "us"). We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit and interact with our website at https://www.paiafinance.com.

1. Information We Collect

1.1 Personal Information You Provide

You may voluntarily provide us with personal information, including:

• Name, email address, phone number, and other contact details.
• Financial, employment, or loan-related information necessary for service provision.
• Messages and correspondence submitted via forms or support channels.

1.2 Automatically Collected Data

Through cookies and analytics tools, we automatically collect data such as:

• IP address, device and browser type, pages visited, timestamps, and referring URLs.
• Usage patterns such as clicks, scrolls, and navigation behavior.

1.3 Cookies and Tracking Technologies

We use various cookies and tracking technologies:

• Necessary cookies for essential Site functions.
• Analytics cookies (e.g., Google Analytics) to monitor traffic and improve your experience.

You may opt out or manage cookies via your browser settings—but please note this may limit certain Site functions. This aligns with standard practices observed in similar policies.

2. How We Use Your Information

We use your data to:

• Provide, maintain, and improve our services.
• Communicate with you, respond to inquiries, and send updates (with your consent).
• Personalize your experience and remember your preferences.
• Facilitate any services or loan applications you initiate with us.
• Monitor and secure our Site, ensuring its proper operation.

3. Legal Basis for Processing

Under GDPR, we process personal data based on:

• Contractual necessity: To fulfill services you request (e.g., loan applications).
• Legitimate interests: For improving Site functionality, marketing, analytics, or security.
• Consent: When required, such as for email updates—withdrawable at any time.

4. Sharing Your Information

We may share your data with:

• Service providers helping us operate the Site (e.g., analytics, hosting).
• Legal or regulatory entities when required.
• Third parties with your explicit consent (e.g., referring agents).

We do not sell or rent your personal information.

5. International Transfers

Your data may be transferred and processed outside the EU (e.g., by service providers in other countries). We ensure appropriate protections are in place.

6. Data Retention

We retain personal data only as long as necessary to:

• Fulfill the purposes outlined (e.g., loan processing, customer support).
• Comply with legal, regulatory, or reporting requirements.
• In some cases, aggregate and anonymize data for analysis—no longer identifiable to you.

7. Your Rights

Under applicable data protection laws (e.g., GDPR), you have the right to:

• Access your personal data and request a copy.
• Rectify inaccurate or incomplete data.
• Erase your data ("right to be forgotten") where applicable.
• Restrict or object to processing based on legitimate interest.
• Withdraw consent for processing and direct marketing.
• Data portability: Receive your data in a structured, machine-readable format.
• Lodge a complaint with a supervisory authority if needed.

8. Data Security

We implement appropriate technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction. While we strive for strong safeguards, no systems are 100% secure.

9. Links to Other Websites

Our Site may contain links to external websites with separate privacy practices. This Policy covers only our Sites. We encourage you to review the privacy notices of any linked sites.

10. Updates to This Privacy Policy

We may update this Privacy Policy periodically. We will post changes on the Site and, if needed, notify you by email. Please check back regularly for latest versions.

11. Contact Us

If you have questions about this Policy, wish to exercise your rights, or file a complaint, please contact us:

PAIA Finance

Email: info@paiafinance.com

Address: Meydan Grandstand, 6th floor, Meydan Road, Nad El Sheba Dubai United Arab Emirates