PRIVACY POLICY

This Privacy Policy governs the way MB Investments and its affiliates, subsidiaries, group companies, partners, and agents (“We”, “Us”, “Our” or “MB Investments”) collect, use, maintain, and disclose information collected solely from:

Users of Our website;
Email, text, and other electronic messages between you and Us;
Mobile and desktop applications that you may download from Our website;
Your interactions with Our advertising and applications on third-party websites and services, if those applications or advertisements include links to this privacy policy; and
Information and data collected by our call centers.

PERSONAL INFORMATION:

We may collect any information that can be used to identify you, such as your name, postal address, e-mail address, passport number, Emirates ID number, property ID and/or telephone number, and details of the contract entered with you (“Personal Information”). We may collect Personal Information in a variety of ways, including, but not limited to, when you visit Our website, use Live Chat, subscribe to Our newsletter, complete a form, and in connection with other activities, services, features or resources we make available on Our website, and automatically as you navigate through the website. You can always refuse to supply Personal Information, except that it may prevent you from engaging in certain related activities. You can visit Our website anonymously. You can change your Personal Information by sending us an email to info@mbinvestments.

NON-PERSONAL IDENTIFICATION INFORMATION:

We may collect your non-personal identification information whenever you interact with Our website. Non-personal identification information means information that is about you but does not identify you individually, and/or relates to information about your internet connection, the equipment you use to access the website and usage details, and other similar information.

WEB BROWSER COOKIES:

Our website may use “cookies” to enhance your user experience. Your web browser places cookies on your hard drive for record-keeping purposes and sometimes to track information about you. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do so, note that some parts of the website may not function properly. This is a standard operating procedure that is used across the internet.

HOW TO MANAGE AND REMOVE COOKIES?

If you are using Our website via a browser, you can restrict, block, or remove cookies through your web browser settings. The Help menu on the menu bar of most browsers also tells you how to prevent your browser from accepting new cookies, how to delete old cookies, how to have the browser notify you when you receive a new cookie, and how to disable cookies altogether. You can also visit www.aboutcookies.org for more information on how to manage and remove cookies across different internet browsers. You also have the option to change your choices relating to cookies utilized to deliver behaviorally targeted advertising at:
http://optout.aboutads.info/?c=2&lang=EN
or
https://www.youronlinechoices.eu/

HOW WE USE COLLECTED INFORMATION:

MB Investments may collect and use your Personal Information for the following purposes:

To improve customer service: Information provided by you helps us respond to customer service requests and support needs more efficiently;
To personalize user experience: We may use your information in the aggregate to understand how users as a group use the services and resources provided on Our website;
To improve Our website: We may use feedback provided by you to improve Our products and services;
To run a promotion, contest, survey, or other feature on the website;
To send you the information you agreed to receive about topics of interest to you;
To send periodic emails;
To fulfill the purpose for which you provide it;
For marketing purposes by third-party vendors appointed by us;
For any other purpose disclosed by Us, when you provide it.

By accepting this Privacy Policy, you give your permission for your Personal Information to be recorded, stored, processed, transferred, and shared by us, and agree that we may process your Personal Information. You acknowledge that your information may be shared by us with a third party appointed by us for marketing purposes. You also understand that you have the right to withdraw your consent at any time after notifying us in writing to not use your information in the manner described above by contacting us at info@mbinvestments.

We may use your e-mail address to respond to any inquiries, questions, and/or other requests you may have. If you opt to be a part of Our mailing list, then you will receive emails about MB Investments news, updates, related project, product, or service information. If at any time you would like to unsubscribe from receiving future emails from Us, you may do so by contacting Us via Our website.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION:

You can review and change your Personal Information by logging into the website. You may also request to update any Personal Information We hold about you by contacting us at info@mbinvestments.

HOW WE PROTECT YOUR PERSONAL INFORMATION:

We adopt appropriate data collection, storage, and processing practices and security measures to protect against accidental loss, unauthorized access, alteration, disclosure, or destruction of your Personal Information and data stored on Our website. Any payment transactions will be encrypted using current technology. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to Our website. Any transmission of Personal Information is at your own risk. We are not responsible for the circumvention of any privacy settings or security measures contained on the website.

SHARING PERSONAL INFORMATION:

We do not sell, trade, or rent your Personal Information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding users with Our subsidiaries, group companies, business partners, trusted affiliates, and advertisers (e.g., Facebook) for the purposes outlined above.

We may share Personal Information with other organizations in the following circumstances:

To provide measurement services and target ads;
If any applicable law or a public authority says We must share Personal Information;
If We need to share Personal Information to establish, exercise, or defend Our legal rights (this includes providing Personal Information to others for the purposes of preventing fraud and reducing credit risk);
To an organization We sell or transfer (or enter into negotiations to sell or transfer) any of Our businesses or any of Our rights or obligations under any agreement that We may have with you. If the transfer or sale goes ahead, the organization receiving your Personal Information can use your Personal Information in the same way as Us;
To any vendor or third-party service provider appointed by us to provide enhanced services;
For storage of sale contracts and for the use of third-party software used for electronic signature of the relevant documentation;
To any other successors in title to Our business.

CHANGES TO THIS PRIVACY POLICY:

MB Investments shall update this privacy policy at its sole discretion from time to time. You are advised to check this page for any changes in the privacy policy and to stay informed about how your Personal Information is protected by us. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of any modifications.

Your acceptance of these terms: By using the website, you signify your acceptance of this privacy policy as may be modified from time to time. Your continued use of the website after we make changes is deemed to be acceptance of those changes, as they are binding on you. You are advised not to access the website if you do not agree with Our privacy policy and practices

PRIVACY POLICY – UK & EU

Effective Date: 4 August 2019

Welcome to MB Investments’ privacy notice. MB Investments and its affiliated companies (collectively, “MB Investments Group”) are committed to protecting your personal data. This privacy notice explains what to expect when MB Investments collects and processes your personal information. It also outlines your privacy rights and how the law protects you.

GLOSSARY

Legitimate Interest – Our lawful interest in conducting and managing our business to provide you with the best possible service or product.

Performance of Contract – Processing your data when necessary to fulfill a contract with you or to take steps at your request before entering into a contract.

Third Parties means:

Other companies within the MB Investments Group.
Organisations we must share your data with to provide the services/products you’ve chosen.
Regulatory bodies and government authorities, including Revenue & Customs.
Law enforcement and fraud prevention agencies.
Business partners and companies we introduce to you.
Agents and advisers assisting with our relationship, collections, or business development.
Joint venture or co-operating companies.
Referring organisations.
Companies you instruct us to share your data with.

If MB Investments undergoes a business restructure (sale, merger, acquisition), we may share your data with parties involved in the transaction, provided they agree to keep your data safe and confidential. The new entities may use your data in accordance with this policy.

1. IMPORTANT INFORMATION

Purpose of this Privacy Notice

This notice aims to inform you about how MB Investments collects and processes your personal data, including any data you provide through our website. Please read this privacy notice alongside any other notices or terms we may provide.

Controller

MB Investments is the controller of your personal data. If you have any questions, please contact our Data Protection Officer (DPO) at: info@mbinvestments.

You also have the right to contact the Information Commissioner’s Office (ICO) at www.ico.org.uk. However, we encourage you to contact us first to address any concerns.

Third-Party Links

Our website may contain links to third-party websites, plug-ins, or applications. Clicking on these links may allow third parties to collect or share your data. We do not control these external sites and are not responsible for their privacy policies.

Failure to Provide Data

If required by law or contract, we may not be able to provide certain services if you fail to provide the requested personal data.

Updating Your Data

Please keep us informed of any changes to your personal information to ensure accuracy.

2. DATA WE COLLECT

We collect various types of personal data, including:

Identity Data: Name, title, marital status, date of birth, nationality.
Documentary Data: Passport, ID card, proof of address.
Contact Data: Address, email, telephone numbers.
Financial Data: Bank account and payment card details.
Contractual Data: Details of services/products provided to you.
Transaction Data: Payment history and service details.
Open Data: Public records, internet-available information.
Social Relationships Data: Family and other relationships.
Location Data: Data relating to your geographical location.
Technical Data: IP address, browser type, system information.
Communications Data: Letters, emails, and recorded conversations.
Profile Data: Preferences, feedback, and service use.
Usage Data: How you use our website and services.
Marketing and Communications Data: Your preferences.

We may also collect Special Category Data such as ethnicity and criminal record information, where legally permitted or required.

We also use Anonymous Data for analytical purposes, which cannot identify you.

3. HOW DATA IS COLLECTED

Sources of data collection include:

Direct interactions (applications, phone calls, emails, website use).
Customer surveys and promotions.
Public sources like Companies House.
Introducers and agents working on our behalf.
Law enforcement or fraud prevention agencies.
Retailers and social networks.

4. HOW WE USE YOUR PERSONAL DATA

We use your data to:

Register you as a client or supplier.
Process services and payments.
Manage our relationship with you.
Administer contracts and collect dues.
Study customer usage and develop our services.
Conduct marketing activities and customer outreach.
Ensure legal and regulatory compliance.
Use data analytics to improve services.
Make product/service recommendations.

We only use your data when:

It’s necessary to fulfill a contract.
We have a legitimate business interest.
We have a legal obligation.
You’ve given us consent.

Marketing

We may use your information to offer services/products you may be interested in. You will receive marketing communications if you’ve consented or if it’s in our legitimate interest. You may opt out anytime by contacting us at info@mbinvestments.

Cookies

You can control cookies via your browser settings. Some site functionality may be limited if cookies are disabled. Refer to our Cookie Policy for more information.

Telephone Calls

We may monitor or record calls for quality, training, complaint resolution, or legal purposes.

Change of Purpose

We’ll only use your data for the original purpose, unless we believe another purpose is compatible. Contact us for further details.

5. SHARING YOUR DATA

We may share your personal data with:

Companies in the MB Investments Group.
Service providers acting as data processors.
Authorities and regulators.
Parties to business transactions involving MB Investments.

We require all third parties to treat your data confidentially and lawfully.

6. INTERNATIONAL TRANSFERS

We may transfer your personal data outside the EEA. Where we do, we ensure appropriate protection through contractual safeguards or internal policies. Contact info@mbinvestments for more details.

7. DATA SECURITY

We apply appropriate security measures to prevent unauthorized access or loss of personal data. Access is limited to employees and third parties who need it for business purposes. In case of a breach, we will notify affected parties and relevant authorities as required.

Note: Transmission over the internet is not entirely secure, and we cannot guarantee full security.

8. DATA RETENTION

We retain your data only as long as necessary for the purposes for which it was collected, including legal or regulatory requirements. Retention periods vary based on the type of data and purpose of processing. Contact us to request a copy of our Retention Policy.

In some cases, we may anonymize your data for statistical use, in which case we may use it indefinitely.

9. YOUR LEGAL RIGHTS

You have rights under data protection laws, including:

Accessing your personal data.
Requesting correction or deletion.
Objecting to or restricting data processing.
Requesting data portability.
Withdrawing consent.

To exercise your rights, contact us at info@mbinvestments. We may request proof of identity before acting on your request.

Fees

Generally, you will not be charged to access your data. However, we may charge a fee for repetitive or excessive requests.

Timeframe

We aim to respond within one month. If your request is complex or involves multiple requests, we will notify you of any delays.

DATA PROTECTION POLICY

SECTION A – WHAT THIS POLICY IS FOR

Policy Statement

MB Investments and its group companies (collectively “MB Investments”) as a data controller is committed to protecting and maintaining the confidentiality, integrity, and security of personal data and respecting the rights of our data subjects. We value the personal information entrusted to us and we respect that trust, by complying with all applicable laws, regulations, and adopting best industry practices.
Our management is fully committed to ensuring the continued and effective implementation of this policy and expects all MB Investments’ employees and third parties to share in this commitment. Any breach of this policy will be taken seriously and may result in disciplinary action or business sanction.

Purpose and Scope

This policy establishes an effective, accountable, and transparent framework for ensuring compliance with the requirements of the applicable laws and regulations regarding the protection of personal data. This policy applies to all our employees and all third parties responsible for the processing of personal data on behalf of MB Investments.

Application of Policy

All employees processing personal information on behalf of MB Investments are required to comply with this policy. Any employee who thinks that they have accidentally breached any terms and conditions of this policy should immediately contact the Data Protection Officer to prevent and limit the impact of the breach.
Various third parties (companies or individuals) who are appointed by us as data processors are required to comply with this policy under contract with us. Any breach of the policy will be taken seriously and could lead to enforcement action or termination of the contract.
Our Data Protection Officer is responsible for advising us and our employees about their legal obligations, monitoring compliance, dealing with data security breaches, and the development of this policy. Any questions or concerns should be referred to the Data Protection Officer at info@mbinvestments.com.

SECTION B – OUR DATA PROTECTION RESPONSIBILITIES

Data Collection

In the course of our work, we will ensure that personal data is collected directly from the data subjects unless one of the following conditions applies:

the nature of the business purpose necessitates collection from other persons or bodies; or
the collection must be carried out under emergency circumstances to protect the vital interests of the data subject or prevent serious loss or injury to another person.

If personal data is collected from another source, the data subject will be informed unless:

they have received the required information by other means; or
national law expressly permits the collection, processing, or transfer without notification.

Data Subject Consent

MB Investments will obtain personal data by lawful and fair means and, where appropriate, with the knowledge and consent of the data subject. Where required, consent will be obtained prior to collection, processing, or disclosure. The Data Protection Officer, in cooperation with relevant departments, shall be responsible for establishing a consent management system.

Privacy Notices

We will inform data subjects about the identity/contact details of MB Investments and the Data Protection Officer, the type of data collected, the reasons and legal bases for processing (including automated decision-making, if any), and details about data retention, data sharing, and their rights. This information will be included in a Privacy Notice at the time of data collection.

Data Processing

Personal data will only be processed for purposes outlined in our Privacy Notice or legally permitted ones. Processing will only occur where at least one of the following applies:

necessary for a contract;
compliance with legal obligations;
protection of vital interests;
task carried out in the public interest;
legitimate interests not overridden by data subject’s rights.

Special Categories of Data will only be processed with explicit consent or under specific legal conditions (e.g. employment law, vital interests, legal claims).

Data Subject Rights

Data subjects have rights to:

access their personal data;
request rectification of inaccurate data;
restrict or object to processing;
data portability;
not be subject to automated decisions;
withdraw consent.

Requests will be handled promptly, within one calendar month (extendable by up to two months in certain cases). Most rights are free of charge unless requests are excessive or manifestly unfounded.

Direct Marketing

We will comply with applicable laws regarding direct marketing via post, email, text, phone, social media, or fax. All marketing will identify MB Investments as the sender. If a data subject objects to marketing, we will stop such communications unless a legitimate interest applies.

Third-Party Data Processors

We will only share personal data with third parties when legally permitted and where the data subject has been informed. Due diligence will be performed before appointing processors to ensure legal compliance. Contracts with processors will mandate compliance with laws, data protection obligations, and security measures. We will maintain records of data shared with third parties.

Data Retention

We will retain personal data only as long as necessary for its original purposes or for legal/accounting/reporting requirements. For details, please refer to our Data Retention Policy, available on request from the Data Protection Officer.

Security of Personal Data

We implement appropriate technical and organisational measures to protect personal data, including:

systems security and access controls;
physical security;
backup and disaster recovery;
staff training, policies, and audits;
regular testing and monitoring of security controls.

Data Transfers Outside the EU

When transferring personal data outside the EU, we will ensure adequate protection is in place through appropriate contractual clauses or other safeguards in compliance with applicable laws.

Training and Guidance

Employees with access to personal data will be trained during induction and receive regular updates on data protection responsibilities and procedures.

SECTION C – MANAGING CHANGE AND RISKS

Data Protection Impact Assessments (DPIAs)

Where data processing is likely to pose high risks, MB Investments will conduct a DPIA. DPIAs may also be carried out proactively when deemed appropriate.

Data Breaches

Suspected data breaches must be reported immediately to the DPO via info@mbinvestments.com. The DPO will investigate and determine the appropriate response. In serious cases, an emergency response team will be activated to manage the situation.

Recommendations and Support

For advice, support, or recommendations on this policy, please contact the Data Protection Officer at info@mbinvestments.com.

SCHEDULE 1 – DEFINITIONS AND USEFUL TERMS

Data Controller: A person or body that determines the purposes and means of processing personal data. MB Investments is a data controller.
Data Processor: An individual or organisation processing data on behalf of the controller.
Data Protection Officer (DPO): An expert on data privacy who ensures compliance with data protection laws and policies.
Data Subject: A living, identifiable individual whose personal data we process.
Personal Data: Any information relating to a living individual who can be identified.
Privacy Notice: A document that explains how we use personal data and for what purposes.
Special Categories of Data: Data related to racial/ethnic origin, political opinions, religious beliefs, trade union membership, health, genetics, biometrics, or sexual life/orientation.

Contacting Us

If you have any questions about this Data Protection Policy or how MB Investments handles your data, please contact us at:
📧 info@mbinvestments.com