Privacy policy

Key8 Mortgage Consultant L.L.C · Effective date: 31 October 2026 · Last updated: 31 October 2026

At a glance

We only ask for what we need to give you a result or advice.
Our borrowing check and Mortgage Checkup don't ask for your phone number or email.
We never sell your information.
We send your details to a bank only when you ask us to apply on your behalf.
You can ask to see, correct or delete your information at any time.

1. Who we are

Key8 Mortgage Consultant L.L.C ("Key8", "we", "us") is a licensed mortgage broker in Dubai, licence no. 1276573.

This policy explains what personal information we collect, why we collect it, who we share it with, how we protect it, and the choices you have. It applies when you visit thekey8.com, use our borrowing check or Mortgage Checkup, contact us, or use our advisory services: homebuyer advice, refinancing, equity release and specialist cases.

We handle personal information in line with UAE law, including Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data, where it applies.

Our services are for people aged 21 and over.

2. What we collect

We collect what you give us and some technical information from your visit. What we ask for depends on what you use.

Type	Examples	When we ask for it
About you	First name, age, residency status	Borrowing check and Mortgage Checkup
More about you	Full name, date of birth, nationality, country of residence	When you work with an advisor
Contact details	Phone number, email, WhatsApp number	Only when you ask us to contact you or book a call
Work and income	Salary, bonus, commission, rental income. For business owners: years trading, turnover or net profit, shareholding	Borrowing check and advisory
Bank account activity	Average monthly balance over 6 months	Borrowing check, for non-residents only
Monthly commitments	Credit card limits, loan payments	Borrowing check and advisory
Your current mortgage	Amount still owed, monthly payment, years left, property value, current bank and rate	Mortgage Checkup and refinance advice
Documents	Passport, Emirates ID, salary certificate, bank statements, audit reports, title deed	Only when you ask us to apply for a mortgage for you
Website data	IP address, device and browser, pages visited, how you found us, cookies	Automatically when you visit our website

3. How we use your information

To work out your estimated borrowing range, monthly payment, upfront costs and Mortgage Checkup result.
To give you mortgage advice and compare bank offers for your situation.
To prepare and submit mortgage, refinance or equity release applications, only when you ask us to.
To contact you about your enquiry, appointment or application.
To check your identity and documents when you apply.
To run, secure and improve our website and tools.
To meet our legal and regulatory duties and to prevent fraud.
To send you news and offers, only if you've agreed. You can stop these at any time.

4. Our borrowing check and estimates

You can use our borrowing check and Mortgage Checkup without giving us a phone number or email. We use your answers to calculate your result. We keep your answers securely and use them to improve our tools. Without your contact details, we don't use them to contact you.

If you ask an advisor to contact you, we keep your answers with your contact details, so you don't have to answer the same questions again.

Our tools calculate your result automatically, using your answers and UAE lending rules. The result is an estimate. It isn't a mortgage approval, a credit decision or a bank offer. Each bank makes its own decision after assessing your application.

If you'd like a person to review your result, an advisor can go through it with you for free.

5. Who we share it with

We never sell your information. We share it only in these cases:

Banks and lenders. Only when you ask us to get offers, arrange a pre-approval or apply for you. We send each bank only what it needs for that application.
Credit bureau and verification providers. Including Al Etihad Credit Bureau (AECB), only with your permission and as the law allows.
Service providers who work for us. Website hosting, cloud storage, our client management system, email and WhatsApp messaging, website analytics, payment processing, and identity and document checks. They may use your information only to provide their service to us, and they must protect it.
Authorities. When the law, a court or a regulator requires it.

6. How we protect it

We use technical and organisational measures to protect your information from unauthorised access, loss or misuse. These include:

Access only for staff and providers who need it for their work.
Encryption and secure storage and transfer.
Access controls and regular security checks.

No system is completely secure, but we work to keep the risk as low as we can.

7. Information stored outside the UAE

Some of our service providers, such as cloud storage, may store or process information outside the UAE. When that happens, we use providers with appropriate safeguards, and we transfer information in line with UAE data protection requirements.

8. How long we keep it

We keep your information only as long as we need it for the purposes in this policy, or as long as the law requires. After that, we securely delete it or make it anonymous.

9. Your rights

Under UAE law, and subject to its exceptions, you can ask us to:

Show you the information we hold about you.
Correct anything that's wrong or incomplete.
Delete your information.
Limit or stop some of the ways we use it.
Withdraw your consent, where we rely on it.
Stop sending you marketing.

To make a request, email info@thekey8.com with "Privacy request" in the subject line. We may ask you to confirm your identity first.

If we delete your information or you withdraw consent, we may not be able to continue advising you or progress your application.

If you're not happy with how we've handled your request, tell us and we'll review it. You can also complain to the UAE Data Office, where it applies.

10. Cookies and analytics

Our website uses cookies and similar technology to work properly and to understand how visitors use it. They record things like the pages you visit, how you move around the site, your device and browser, and how you found us.

We use analytics tools, such as Google Analytics, to improve the website. We don't use advertising cookies or advertising tools. If that changes, we'll update this policy first.

You can manage or turn off cookies in your browser and in our cookie settings. Turning some off may stop parts of the website working.

11. Messages from us

We'll always message you about things you've asked for: your enquiry, appointments and application updates.

We'll send news and offers only if you've agreed. You can stop them at any time, using the unsubscribe link in our emails or by telling us on WhatsApp or by email. You'll still receive messages about your application.

12. Other websites

Our website links to other sites, such as banks and government services. They have their own privacy policies, and we're not responsible for how they handle your information. Please read their policies before you share anything with them.

13. Changes to this policy

We may update this policy when our services, technology or the law change. We'll publish the new version here with its updated date. If a change significantly affects how we use your information, we'll also show a notice on our website.

14. Contact us

If you have any questions, requests or concerns about this policy or how we handle your personal information, please contact us:

Key8 Mortgage Consultant L.L.C
Website: https://www.thekey8.com
Email: info@thekey8.com
Office 2235, 22nd Floor, Iris Bay Tower, Business Bay, Dubai, United Arab Emirates

Your privacy matters to us. At Key8, we are committed to handling your personal and financial information responsibly, securely and transparently.