Privacy Policy

Muhami ("Muhami", “we”, “us” or “our”) are committed to respecting your privacy and complying with applicable laws and regulations to ensure that the personal data you provide us is kept appropriately secure and processed fairly and lawfully. Please read this privacy notice (“Privacy Notice”) carefully as it contains important information on who we are and how and why we collect, store, use and share your personal data when you use our services (“Services”). It also explains your rights in relation to your personal data and how to contact us in the event you have a complaint. 

This Privacy Policy is intended to assist you in making informed decisions when using the Site and our Services. Please take a moment to read and understand this Privacy Policy.  It is intended to be read in conjunction with our Terms of Service.

Who we are

Muhami is the data controller responsible for your personal data. Our contact details can be found at the bottom of this Privacy Policy.

The types of personal data we collect

Muhami may collect and process the following kinds of personal data about you from the sources identified, including but not limited to, the website www.muhami.ae or through the Muhami mobile application (“Platform”), when you create a User or Client Account (collectively “Account”) with us.

Data you give us or we ask you:

Data we collect about you online: 

When you browse or otherwise access our Platform, we may automatically collect the following data:

We may receive personal data about you from other sources, such as:

Cookies and similar technologies

The Platform uses "Cookies" to enable you to sign in to your Account and to help personalise your online experience. These technologies and the data collected about you may be used to track your activity across multiple devices. Where appropriate, we use Cookies to store your preferences and other data on your computer and mobile devices in order to save you time by eliminating the need to enter the same data repeatedly.  

What is a Cookie?

Cookies are small files that are sent stored, either temporarily or permanently, to a computer's hard drive by a web server. Cookies enable websites to remember who you are when you first visit our website, and keeps you logged in for repeat visits, if you consent. Information from Cookies may include data relating to your use of our websites, data about your computer (such as IP address and browser type), and demographic data. Most browsers accept Cookies automatically, but you can set your browser to prevent this. If your browser's preferences allow it, each website or third party service provider is able to send a cookie to your browser.

You can manage your Cookie preferences and/or disable the Cookies we use by checking the “Help” or “Settings” option in your browser. While you are able to reject or delete cookies if you no longer wish to store them on your computer, please be aware that some functionalities and Services may be reduced or will not work as a consequence. 

Note, you will not be able to opt-out of necessary cookies.

How we use your personal data

We may collect, store, disclose and process your personal data for the following purposes:

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us using the contact details set out under “Our Contact Information” section below in this Privacy Policy.

We may use your personal data for any automated decision making or profiling using Cookies and other tracking technologies which may trigger certain rights under the applicable data protection legislation. Please refer to “Your rights” section below in this Privacy Policy.

Our legal bases for collecting and using your personal data as described in this Privacy Policy, will depend on the personal data concerned and the specific context in which we collect it. We will comply with the applicable data protection legislation. In general, we collect and process your personal data on one or more of the following legal bases:

Who we share your personal data with 

We may share or provide access to your personal data amongst our affiliates and business units, third party agents, service providers and contractors outside of Muhami:

We may share anonymous or aggregated data with third parties such as service providers in order to facilitate our business operations.

We may share your personal data with law enforcement, officials, or other government bodies:

For example, if Muhami is compelled by an obligation or a duty to disclose your personal data where we believe it is necessary or appropriate to comply with any legal obligation, rule, regulations or Muhami policies and procedures, including (without limitation) in order to comply with statutory reporting and disclosures to regulatory authorities. This may include disclosure to regulatory bodies or government agencies.

Overseas transfers of personal data 

The personal data that you provide through the Platform is processed and stored in the Dubai Investment Financial Centre (the “DIFC”).

We may transfer data that we collect from you to third party agents, service providers and contractors outside of Muhami who are based in countries/regions outside of the DIFC, where permitted by applicable laws, or if we have your consent.

Personal data stored in another jurisdiction may be subject to access requests from governments, courts, or law enforcement in that jurisdiction according to its laws. Whether the personal data you provide to us is processed by us or services providers within the DIFC or outside of it, we will take steps to ensure that your personal data will be afforded the level of protection required of us under and in accordance with this Privacy Policy and applicable data protection laws and in accordance with current legally recognised data transfer safeguards, such as appropriate approved standard contractual clauses, Data Protection Agreements, etc.

How we protect your personal data 

We use up to date data storage and security to hold your personal data securely in electronic and physical form to protect your personal data from unauthorised access, improper use or disclosure, unauthorised modification or unlawful destruction or accidental loss. Whilst we have put in place technical and organisational procedures to secure and safeguard your personal data, the Platform may from time to time contain links to other platforms not controlled by us. We do not accept responsibility or liability for the privacy practices, data collected or the content of such other platforms. The operators of these linked platforms are not under a duty to abide by this Privacy Policy. If there are terms and conditions, other privacy statements or policies appearing on those platforms, you should also review them carefully as your use of those sites may be subject to them.

We encourage you to keep any passwords you use confidential and to be careful to avoid "phishing" scams where someone may send you an electronic message that appears to be from us asking for your personal data. We will not request your ID or password through electronic messages. 

How long we retain your personal data

We will keep your personal data while you have an account with us, or we are providing the services to you. Thereafter, we will keep your personal data for as long as is necessary:

We will not retain your personal data for longer than necessary for the purposes set out in this policy. When it is no longer necessary to retain your personal data, we will delete or anonymise it.

Your rights 

You have the right to: 

  1. obtain information regarding the processing and protection of your personal data and access to the personal data which Muhami holds about you; 
  2. ask us to provide a copy of the personal data we hold about you; 
  3. have personal data deleted or any inaccurate personal data about you corrected; 
  4. request the transfer of your personal data to another party whenever this is technically feasible; 
  5. object to processing your personal data for data profiling, direct marketing and automated processing; and 
  6. right to lodge a complaint with the DIFC Data Protection Commissioner. 

If we are relying on your consent to process your personal data for certain activities, you are free to limit or withdraw your consent at any time by contacting us using the details under “Our Contact Information”. If you withdraw your consent, it will not affect the lawfulness of any processing based on your consent before you withdrew it. 

If you would like to exercise any of your rights in relation to the personal data we hold about you or wish to correct, update or remove your personal data as swiftly as possible. You can make such request by emailing us on using the email address under the section headed “Our Contact Information” below. 

Processing of personal data for marketing purposes

We may contact you by mail, e-mail, SMS/text, telephone and other electronic means for direct marketing purposes to provide information on products and services that we believe will be of interest, to the extent permitted by applicable law or with your consent, unless you object to receiving such information. If you do not want to receive such communications from us please contact us on the details set out below or by using the opt-out facilities provided within the relevant marketing material. 

Your option not to receive promotional and marketing material: (a) shall not preclude us from corresponding with you, by email or otherwise, regarding your relationship with us (e.g., your account status and activity or our responses to questions or inquiries you pose to us); (b) shall not preclude us, including our employees, contractors, agents and other representatives, from accessing and viewing your personal data for the purposes as set out in this Privacy Policy; and (c) shall not preclude us from disclosing your personal data as described in this Privacy Policy for purposes other than sending you promotional and marketing materials.

Changes to this Privacy Policy 

We may update this Privacy Policy from time to time. The amended Privacy Policy will be posted on the Platform. Please check this page regularly for changes to this Privacy Policy. If we make any material changes to this Privacy Policy we will notify you and obtain your consent (if required by applicable law) before they take effect either through the Platform or by sending you a notification. Any such material changes will only apply to personal data collected after the revised Privacy Policy took effect.

Questions and concerns

If you have any questions or concerns about Muhami’s handling of your personal data, or about this Privacy Policy, please contact us using the contact information set out below. 

We are typically able to resolve privacy questions or concerns promptly and effectively. If you are not satisfied with the response you receive from us, you may escalate concerns to the DIFC Data Protection Commissioner.

Our contact information

CJA Consulting L.L.C-FZ
Meydan Grandstand, 6th floor
Meydan Road, Nad Al Sheba
Dubai, U.A.E

Email: [email protected]
Phone: +971 50 420 6729