Effective Date: May 20, 2025

1. Introduction Flamingo Star Financing Broker LLC (“FSFB,” “we,” “us,” or “our”), located at OFF #1808, 18th Floor, Bay View Tower, Business Bay, Dubai, UAE, is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website (www.fsfb.ae) (the “Site”), use our services, or otherwise interact with us.

By using our Site or services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect We may collect and process the following types of personal information:

• a. Personal Information You Provide to Us:

  • Contact Information: Your name, email address, postal address, telephone number.
  • Identification Information: Emirates ID, passport details, date of birth (as required for service provision and legal compliance).
  • Financial Information: Bank account details, income statements, credit history, investment objectives, and other financial details necessary to assess eligibility and provide our financial and investment solutions.
  • Business Information: If you are a corporate client or SME, information about your business, including company registration details, trade license, financial statements, and information about directors and beneficial owners.
  • Communications: Records of your correspondence with us, including emails, call recordings (where permitted by law and with prior notification), and messages through our Site or other channels.
  • Application Information: Information provided when you apply for our services, including specific details related to property investment, property mortgages, trade and working capital finance, or merchant cash advances.

• b. Information We Collect Automatically:

  • Log and Usage Data: When you visit our Site, our servers may automatically log standard data provided by your web browser. This may include your device’s Internet Protocol (IP) address, browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.
  • Cookies and Similar Technologies: We use cookies and similar tracking technologies to track activity on our Site and hold certain information. For further details, please see our Cookies Policy (or a dedicated section below).

• c. Information from Third Parties:

  • We may receive personal information about you from various third parties, such as credit bureaus (to assess creditworthiness, with your consent), financial institutions (in connection with your applications), public databases, and other partners, where permitted by law.

3. How We Use Your Information We use the information we collect for various purposes, including:

• To provide, operate, and maintain our services, including assessing applications for property investment, property mortgages, trade and working capital finance, and merchant cash advances.
• To process your transactions and manage your accounts.
• To communicate with you, respond to your inquiries, provide customer support, and send you service-related updates.
• To send you marketing and promotional communications (where you have consented to receive them or where otherwise permitted by law). You can opt-out of these communications at any time.
• To personalize and improve your experience on our Site and with our services.
• To conduct research and analysis to improve and develop new products and services.
• To comply with our legal and regulatory obligations, including Know Your Customer (KYC), Anti-Money Laundering (AML), and Combating the Financing of Terrorism (CFT) requirements.
• For risk management, fraud detection, and security purposes.
• To enforce our terms and conditions.

4. How We Share Your Information We do not sell your personal information. We may share your personal information in the following circumstances:

• With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf (e.g., IT hosting, data analytics, marketing, customer service, payment processing) and require access to such information to do that work. These providers are contractually obligated to protect your information.
• With Financial Institution Partners: When you apply for services such as property mortgages or certain trade finance solutions, we may share your information with banks, lenders, and other financial institutions to facilitate your application, with your explicit consent.
• For Legal Reasons: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court, regulatory body, or government agency) or to comply with a legal obligation.
• To Protect Our Rights: We may disclose information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, and illegal activities, or as evidence in litigation in which we are involved.
• Business Transfers: In the event of a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information.
• With Your Consent: We may disclose your personal information for any other purpose with your explicit consent.

5. Cookies and Tracking Technologies We use cookies and similar tracking technologies to collect and use personal information about you, including to serve interest-based advertising. For more detailed information about the cookies we use and your choices regarding cookies, please refer to our [Link to Cookie Policy, if separate, otherwise detail here]. Typically, you can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies.

6. Data Security We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. These measures include encryption, access controls, secure networks, and regular security assessments. However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

8. Your Rights Under UAE data protection laws, you may have certain rights regarding your personal information. These rights may include:

• The right to access: You have the right to request copies of your personal information.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The right to erasure (right to be forgotten): You have the right to request that we erase your personal information, under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal information, under certain conditions.
• The right to object to processing: You have the right to object to our processing of your personal information, under certain conditions.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
• The right to withdraw consent: If we are processing your personal information based on your consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided in Section 13. We may need to verify your identity before processing your request.

9. International Data Transfers Your information, including personal data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. If we transfer your personal information outside the UAE, we will ensure that appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

10. Third-Party Links Our Site may contain links to other websites not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Children’s Privacy Our services are not directed to individuals under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from Children. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

12. Changes to This Privacy Policy We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

13. Contact Us If you have any questions about this Privacy Policy, your rights, or our data protection practices, please contact us:

Flamingo Star Financing Broker LLC

OFF #1808, 18th Floor, Bay View Tower, Business Bay, Dubai, UAE

Phone: +971552498003

Email: info@fsfb.ae

Website: www.fsfb.ae