1. INTRODUCTION
Welcome to Alma Solutions. Your privacy is important to us, and we are committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and share your information when you visit our website [www.alma-solutions.com] and use our real estate investment and liquidity services.
By accessing our website or using our services, you consent to the terms of this Privacy Policy.

2. INFORMATION WE COLLECT
We may collect and process the following categories of personal data:
2.1 Personal Identification Information

• Full name, contact details (email, phone number), and nationality.
• Passport, Emirates ID, or other government-issued identification (for KYC compliance).
• Proof of address, such as utility bills or tenancy agreements.

2.2 Property and Financial Information

• Details of properties owned, leased, or under transaction.
• Mortgage, payment history and financial commitments related to real estate.
• Bank account details for payment processing (when applicable).

2.3 Technical and Usage Data

• IP address, browser type, and access logs.
• Cookies and tracking data to enhance website performance.
• Communication records, including emails, chats, and inquiries.

3. PURPOSE OF DATA COLLECTION
We collect and process personal data for the following purposes:

• Transaction Processing: To facilitate property-related financial transactions, including liquidity solutions and investment services.
• Legal Compliance: To meet Know Your Customer (KYC), Anti-Money Laundering (AML), and UAE regulatory requirements.
• Customer Support: To respond to inquiries and provide personalized support.
• Marketing and Communication: To share updates, investment opportunities, and service-related messages (you may opt-out at any time).
• Security and Fraud Prevention: To safeguard users against fraudulent activities and unauthorized access.

4. DATA SHARING AND THIRD PARTIES
We do not sell or rent your personal data. However, we may share your information with:

• Regulatory Authorities – When required by UAE law, DIFC regulations, or international compliance standards.
• Financial Institutions and Payment Processors – When necessary for executing property transactions.
• Legal and Compliance Partners – For KYC/AML verification and contract execution.
• Third-Party Service Providers – Such as IT support, cloud hosting, and cybersecurity firms to maintain system security.

All third-party partners must adhere to strict confidentiality agreements and comply with UAE Data Protection Laws.

5. DATA RETENTION
We retain personal data only as long as necessary for legal, regulatory, and business purposes. Retention periods are as follows:

• KYC and financial transaction data: Minimum of 5 years after transaction completion, in compliance with UAE and DIFC laws.
• General inquiries and communication logs: Up to 2 years from the last interaction.
• Marketing data: Until you opt out of receiving communications.

Once retention periods expire, data is securely deleted or anonymized.

6. YOUR RIGHTS
You have the right to:

• Access your personal data and request a copy.
• Rectify inaccurate or incomplete information.
• Request deletion of your data (subject to legal limitations).
• Withdraw consent for marketing communications.
• Object to certain data processing activities.

To exercise these rights, contact us at info@alma-solutions.com.

7. SECURITY MEASURES
We implement advanced security measures to protect your data, including:

• Encryption of sensitive data during storage and transmission.
• Access controls and multi-factor authentication for internal systems.
• Regular security audits and compliance with ISO 27001 and UAE Data Protection Regulations.

Despite our best efforts, no system is entirely immune to cyber threats. We encourage users to use strong passwords and secure their accounts.

8. INTERNATIONAL DATA TRANSFERS
If you access our services from outside the UAE, your data may be transferred and processed in jurisdictions with different data protection laws. When applicable, we implement safeguards such as:

• Standard Contractual Clauses (SCCs) for transfers to the European Economic Area (EEA).
• Compliance with DIFC Data Protection Law and UAE Federal Data Protection Laws.

By using our services, you consent to such international data transfers.

9. COOKIES AND TRACKING TECHNOLOGIES
We use cookies to enhance your browsing experience. Cookies help us:

• Analyze website traffic and improve user experience.
• Personalize content and advertising based on preferences.
• Enhance security by detecting unusual login activity.

You can control cookie preferences via your browser settings.

10. THIRD-PARTY LINKS
Our website may contain links to third-party sites. We are not responsible for their privacy practices and recommend reviewing their privacy policies before sharing any personal data.

11. UPDATES TO THIS POLICY
We may update this Privacy Policy periodically. Any changes will be posted on this page, and continued use of our services constitutes acceptance of the revised policy.

12. CONTACT US
For any questions regarding this Privacy Policy or your personal data, please contact us at info@alma-solutions.com.