Introduction
In accordance with applicable data privacy laws and regulations, we, Maharat FZ-LLC, a private company limited by shares registered with the Media Zone Authority (Abu Dhabi) under commercial license number 1198 ("Maharat"), hereby inform you about the personal data collected and processed from users of the website hosted on https://www.maharat.com ("Website") and the Maharat mobile and desktop application ("Platform").
This Privacy Policy is to be construed in accordance with the cookies policy and the terms and conditions of the Website and the Platform ("Terms and Conditions").
The Privacy Policy can be printed for reference by using the print command in the settings of any browser.
We comply with UAE, EU, and other relevant data protection laws and regulations and we implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction.
We will not process any of your data outside the scope of this Privacy Policy.
Owner of Your Data
The owner of your data is Maharat, with address at P.O Box 77983, Abu Dhabi, United Arab Emirates, and email address admin@maharat.com, and phone number +971 585541558.
Why We Collect and Process Your Data
The data we collect and process allows us to manage your use of the Website and the Platform and to provide our services. More specifically, we collect and process data for the following purposes:
To provide you access to and allow your use of the Platform and the Website and their respective content from time to time.
To provide our services in accordance with the Terms and Conditions.
To verify and authenticate your identity and prevent fraud.
To safeguard and preserve our financial, legal and other legitimate interests and to carry necessary risk assessments and assess credit worthiness, as relevant.
To gain greater insight into target markets, enhance decision-making capabilities, create targeted strategies and marketing campaigns, improve operational inefficiencies and minimize risk, identify new product and service opportunities.
To understand the market needs and market trends.
To send you updates, newsletters and notifications.
To manage your subscriptions and to process transactions.
To ensure IT security and IT operation.
To enhance the Website and the Platform user-interface and to improve our services based on feedback and usage behaviour.
To comply with applicable laws, rules and regulations.
To enforce legal claims and defend ourselves in legal disputes.
To prevent and investigate criminal offences.
Who We Share Your Data With and Why
We do not sell or rent your personal data to third parties. However, and strictly in connection with Section 3, we may share your data with our trusted partners and service providers which include:
Payment processors and credit institutions;
Your banking partners;
Mobile operators;
Cloud storage and hosting providers, those include "AWS (Amazon Web Services)";
Data, analytics and insights managed service providers, those include "Google Analytics";
Marketing service providers and customer service providers;
Mail carriers, IT companies, communications agencies;
Service providers who support us in risk analysis and fraud prevention;
Insurance companies and legal service providers;
Relevant UAE authorities.
We aim to ensure that our partners and service providers comply with UAE, EU and other relevant data protection laws and regulations. However, we are not responsible for any breach they commit to such laws and regulations.
What Data We Will Process
We will process all data you directly or indirectly provide to Maharat from time to time. This includes:
your full name, date of birth, phone numbers, email addresses;
your payment accounts; and
your past and present usage and spending behaviour.
We also store your passwords on a so-called hash value.
Even though we are only interested in your financial data, your data related to your health, religious or ideological beliefs may be visible in your transactions.
When you visit our Website and/or the Platform, we collect information automatically (whether directly or through third-parties). This data record consists of the IP addresses or domain names of the computers utilized by the users who use the Website, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the user, the various time details per visit (e.g., the time spent on each page) and the details about the path followed within the Website and/or the application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the user's IT environment.
We also use cookies. Please refer to our Cookies Policy for more information.
Legal Basis of Processing
Your data will be processed on the basis of your consent, expressed by creating an account in accordance with the Terms and Conditions and by clicking a box indicating your acceptance or otherwise by clicking the accept button where relevant on the Website, or otherwise in accordance with applicable laws, rules and regulations.
We will not process any data unless you shall have provided us with your consent to this Privacy Policy.
Your consent can be revoked at any time in accordance with Section 9.1.1.
For What Period of Time Will We Process Your Data?
Your data will be stored and processed for as long as you have a profile with Maharat.
Do We Conduct International Data Transfers?
Your data will not be transferred to companies or organizations outside the UAE unless they provide sufficient guarantees regarding personal data processing.
What Are Your Rights Regarding Your Personal Data Processing?
Subject always to applicable laws, rules and regulations, you may ask for further information and exercise your rights of access, rectification, cancellation and opposition to the processing or any other legal right by writing to Maharat by email to the following email address: admin@maharat.com.
In particular, you have the right to do the following:
Withdraw your consent at any time. You have the right to withdraw consent where you have previously given your consent to the processing of your data. Please note that the revocation is only effective for the future. This will however affect your use of the Platform and/or the Website and we may need to terminate your use of our services.
Object to processing of data. You have the right to object to the processing of your data if the processing is carried out on a legal basis other than consent.
Access your data. You have the right to learn if data is being processed by Maharat, obtain disclosure regarding certain aspects of the processing and obtain a copy of the data undergoing processing.
Verify and seek rectification. You have the right to verify the accuracy of your data and ask for it to be updated or corrected.
Restrict the processing of your data. You have the right, under certain circumstances, to restrict the processing of your data. In this case, we will not process your data for any purpose other than storing it.
Have your data deleted or otherwise removed. You have the right, under certain circumstances, to obtain the erasure of your data from the Platform.
Receive your data and have it transferred to another controller. You have the right to receive your data in a structured, commonly used and machine-readable format and, if technically feasible, to have it transmitted to another controller without any hindrance.
Lodge a complaint. You have the right to bring a claim before your competent data protection authority.
Changes to This Privacy Policy
Maharat reserves the right to make changes to this Privacy Policy at any time by notifying users through the Platform and/or the Website. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom.
For More Information
Should you have any questions regarding this privacy policy or want to learn more about our security practices, please contact us at:
Maharat FZ-LLC
P.O Box 77983
Abu Dhabi, United Arab Emirates
Email: admin@maharat.com
Phone: +971 585541558
This privacy policy has been most recently updated on June 2025.
