Privacy Policy.

1. Introduction

SAS Debt Consultants ("we", "us", "our") is committed to protecting the privacy of individuals who engage with our advisory services or visit our website. This Privacy Policy explains how we collect, use, store, and protect personal information in connection with the services we provide from our offices in Dubai, UAE.

By using our website or engaging our advisory services, you acknowledge that you have read and understood this policy. If you do not agree with any part of this policy, please do not use our services or submit personal information to us.

2. Information We Collect

We collect personal and financial information only where it is necessary to deliver advisory services or respond to an enquiry. This may include:

• Identity information: full name, Emirates ID number, nationality, date of birth
• Contact information: email address, phone number, residential address
• Financial information: income details, loan statements, bank statements, credit facility information, employment or business details
• Communication records: correspondence, notes from consultations, documents you share with us
• Website usage data: IP address, browser type, pages visited (collected via standard server logs)

We do not collect sensitive personal information beyond what is required for the advisory engagement, and we do not collect payment card data directly � any payments are processed through secure third-party channels.

3. How We Use Your Information

Information you provide is used solely for the following purposes:

• Delivering the financial advisory services you have requested
• Communicating with you regarding your engagement, enquiry, or consultation
• Preparing advisory documentation, analysis, or correspondence on your behalf
• Complying with applicable UAE legal and regulatory obligations
• Improving our internal processes and service quality (using anonymised data only)

We do not use your information for marketing purposes without your explicit consent. We do not sell, rent, or trade your personal information to any third party.

4. Confidentiality

All client information is treated with strict professional confidentiality. Our team members are bound by confidentiality obligations. Information shared with us in the course of an advisory engagement is not disclosed to external parties except:

• Where you have provided explicit written consent for us to share specific information with a named party (such as a bank or financial institution as part of an advisory process)
• Where we are legally required to do so by a UAE regulatory authority or court order
• Where disclosure is necessary to prevent serious harm

5. Data Security

We implement appropriate technical and organisational measures to protect personal information against unauthorised access, loss, alteration, or disclosure. These measures include restricted access controls, secure document handling procedures, and encrypted communication channels where available.

While we take reasonable precautions, no method of data transmission or storage is completely secure. We cannot guarantee absolute security and recommend that you exercise caution when transmitting sensitive information electronically.

6. Data Retention

We retain personal information for as long as is necessary to fulfil the purpose for which it was collected, or as required by applicable UAE law and regulation. Client files are typically retained for a period of five (5) years following the conclusion of an engagement, after which they are securely destroyed. You may request earlier deletion of your data subject to any legal retention obligations that apply.

7. Your Rights

Subject to applicable UAE data protection law, you have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal retention requirements)
• Withdraw consent for optional uses of your data at any time
• Lodge a complaint with the relevant UAE data protection authority

To exercise any of these rights, please contact us using the details below.

8. Contact

For any questions regarding this Privacy Policy or your personal data, please contact us at:

SAS Debt Consultants
Office No 15, MRA Business Park, Al Garhoud, Dubai � UAE
Email: [email protected]
WhatsApp / Phone: +971 58 855 8929

We may update this Privacy Policy from time to time. The most current version will always be published on this page with the date of last revision.