THIS TERMS AND CONDITIONS CONTAIN IMPORTANT INFORMATION. PLEASE READ THIS INFORMATION CAREFULLY.
Icon Financing Broker, a company incorporated in the United Arab Emirates licence# 57407 Government of Ras Al Khaimah and having its registered address at Julphar Towers - Office No 703, RAK, United Arab Emirates.
Icon is committed to protecting the privacy and confidentiality of the personal information of our client(s). As a financing Brokerage, licensed in the United Arab Emirates, we have a professional obligation to maintain, in confidence, all information we receive within our role in providing loans/ Financial services to our client(s).
How We Collect Personal Information We Collect Information Through Our Loan/Service Application Process Provided By You, Our Client(S). You Can Apply Either:
A. On-line via our mobile application or website at www.Iconfcb.com
B. In person at office 703,Julphar Towers, RAK, United Arab Emirates
C. Phone/ Email communications
Icon Want You To Understand What Personal Information About You Is Collected Through The Loan Application or Financial Consultation Process, Provided By You, Our Client(S). The Information Provided, No Matter What The Format, Includes But Is Not Limited To:
I. Your name(s)
III. Telephone number(s)
IV. Email address(s)
VII. Assets and Liabilities
VIII. And other pertinent information as disclosed on our Application Form
With the Client’s consent, we may also obtain information directly from a third party to help us determine your eligibility for various financial products and services. For credit matters, for example it is essential that we know your financial worth as well as your credit record. We will also contact other lenders, financial institutions, credit bureau agencies and employers. Your consent is therefore important because without it, we will not be able to carry out the appropriate inquiries to ensure proper financing is provided to you. In most cases, your consent is given on the forms used for specific purposes or from time to time, may be provided on a separate form.
We Need This Information About You So We Can:
I. Understand your particular needs
II. Analyze the suitability of our many products or services, which best suits your needs
III. Determine your eligibility for our products and services offered
IV. Meet our legal and regulatory requirements
Our goal is to maintain your trust and confidence when handling personal information about you.
Personal Information We Collect And May Disclose The personal information we may collect about you comes from the following sources:
A. Information we receive from you, such as your name, address, telephone number and other information you provide in your application, as previously mentioned.
B. Information about your income from your employer.
C. Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports and other information relating to your credit worthiness.
Use And Disclosure Of Personal Information We use Client(s) personal information to provide loan financing or financial consultation and other such services to our client(s) and to maintain our database for our own direct marketing purposes. We do not sell our mailing lists to any other non-financial company or individual(s) such as direct marketing firms other than to send you our own solicitation from time to time.
Under certain circumstances we will disclose a client(s) personal information to third parties:
I. As required or authorized by law;
II. As consented to by Client(s) by way of a disclosure;
III. When financial services require a Client(s) personal information be given to a third party (such as banks / Financial institutions). The Client(s) consent will be implied, unless the Client provides written authorization otherwise;
V. The protection of public interests such as the denouncement of criminal activity such as fraud or money laundering. In all cases authorities are contacted and personal information may be disclosed;
VI. Should Icon retain law firm(s) to act on our behalf for any reason;
VII. If the information is already publicly know.
Personal information is not used or disclosed for purposes other than those for which it was originally collected, except with the consent of the Client(s) or as otherwise permitted by law.
Icon will retain personal information for as long as is required by any governing regulatory bodies and/or legal requirements in the United Arab Emirates.
Security Of Information/Safeguards The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable laws. All of our employees and/or representatives of Icon have been trained in the proper handling of personal information. When we use other parties to provide services for us, we require them to protect the confidentiality of personal information they receive.
Accuracy Icon will ensure that a Client(s) personal information is as accurate, complete, and up-to-date as is necessary for the purposes for which it was intended.
Accountability, Openness And Client Access This policy advises you how we collect, handle, and disclose personal information about you. If you want to limit our disclosing this information, or if you have any questions or concerns please advice us by contacting our Privacy Officer at info@Iconfcb.com
Our Client(s) may withdraw their consent by written notice to us at any time, subject to any legal or contractual restrictions and reasonable notice. A Client(s) refusal to provide, or subsequent withdrawal of his or her consent may affect Icon’s ability to provide the Client(s) with Financial services.
Icon will provide a Client(s) access to their personal information. They may correct or amend any inaccuracies in the Client(s) personal information. We reserve the right to refuse a request for access to personal information if:
I. The information is protected by legal privilege;
II. Granting access would reveal confidential commercial information;
III. The information was collected for purposes related to the detention and prevention of fraud;
IV. The information was generated in the course of a formal dispute resolution process;
V. The information would likely reveal personal information about another individual;
VI. The request is frivolous;
VII. The protection of our firm’s rights and property.
Icon’s Website You can visit our website to find out about our products and services without giving us any personal information about you.
Our website may monitor site usage and traffic patterns and other related information in order to optimize our website service. We may provide information to third parties, but these statistics would not include and identifiable personal information.
Icon’s Mobile Application Icon Provides an online platform (digital solutions) to provide financial services and our Platform belongs to Icon Financing Broker- LLC PPO a company incorporated in the United Arab Emirates licence# 57407 Government of Ras Al Khaimah.
Your use of our Platform, whether to provide or avail a Service from us or to perform any other kind of action, shall be governed by these terms and conditions (“ Terms and Conditions”). It shall be your responsibility to periodically review these Terms and Conditions to familiarize yourself with them. By continuing to use our Platform or the Services, you are agreeing to these Terms and Conditions in full. You may not use, and shall immediately discontinue your use of our Platform or the Services if you are not able to create a legally binding agreement in accordance with applicable laws and/or if you do not agree to these Terms and Conditions in full.
Electronic Communications All communications between us and you will be in electronic form. For contractual purposes, you (i) consent to receive communications from us in an electronic form and (ii) you agree that all terms and conditions, agreements, notices, disclosures, and other forms of communication that we may provide you with, satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy. The foregoing does not affect any non-waivable rights.
Collection of Personal Information We may collect personal information from our clients, website visitors or mobile application registerers, such as their names, contact information, and other details necessary to provide financial services or respond to inquiries. We may also collect information automatically, such as through cookies or other tracking technologies, to improve our website and services.
Security of Personal Information We take reasonable measures to protect personal information from unauthorized access, disclosure, or modification. We use physical, technical, and administrative safeguards to protect data, and we regularly review and update our security practices.
Creating an account If you want to access our Platform as a Buyer, you will be required to create an account with us, complete the required registration, be legally capable of entering into binding contracts and be 21 years of age or over.
Accuracy of the information You shall be responsible for ensuring the accuracy of the information you submit when creating an account with us. All information provided by you must be provided in good faith. Such information must be true and accurate in all material respects and not misleading as of the date such information is given. You should also revise this information regularly to check that the information we have for you is correct. We reserve the right to remove or suspend accounts that are not truthful. We shall not be liable for any costs, expenses or liabilities incurred by you due to inaccurate information.
Access responsibility You are responsible for keeping your login information secret and secure at all times. You hereby agree not to permit any other person to use your username and password and not to disclose or provide any other person your username, your password or any other information that may allow any other person to gain access to your account. You will remain responsible for all activity that occurs through or associated with your account. For the avoidance of any doubt, you may not use the account of anyone else or set-up more than one account for yourself (especially if your account has been suspended or deleted by us for any reason). We do not accept responsibility for any activity that occurs through your account.
Account creation and management rights We reserve the right to reject or approve any request to create an account, to suspend your account and/or to delete your account at our sole discretion without any liability for the same.
Events Beyond Icon’s Controls Icon shall not be liable for any delay or failure of service as a result of any cause or causes beyond its control, including (without limitation):
I. Any act of god
II. Acts of government or regulatory authority
III. Fire, flood, or explosion
IV. Any manner of riot or civil commotion
V. Non- availability service
VI. Any computer viruses, worms, trojan horse or the like
VII. Any interruption or disruption of relevant utilities, internet service provider(s), broadcast, telecommunications, or other network systems or services
Amendments and updates We may change this notice from time to time. If we do, we will notify you as required by applicable law.
Last Revised: June 2023
Disclaimer: Any and all references mentioned herein to and about Icon, refer only to Icon Financing Broker Licence # 57407