1. Who We Are
Welcome to Karibu Capital L.L.C-FZ (“Karibu Capital”, “we”, “us”, or “our”).
We provide business and financial advisory-related services, including Business Banking Advisory, Corporate Account Opening Assistance, Mortgage Solutions, Compliance & Tax Advisory, Marine Insurance Solutions, and related business support services.
Our website is:
This Privacy Policy explains how we collect, use, store, disclose, and protect personal information when you:
- Visit our website;
- Submit an enquiry or contact form;
- Request information about our services;
- Submit a lead through Facebook or Instagram;
- Contact us through WhatsApp, telephone, email, or social media;
- Request business banking or mortgage assistance; or
- Otherwise interact with Karibu Capital.
Privacy Policy URL:
https://www.karibucapital.ae/privacy-policy
2. Information We Collect
Depending on how you interact with us, we may collect the following information.
A. Information You Provide Directly
This may include:
- Full name
- Company name
- Job title or position
- Email address
- Mobile/telephone number
- Country of residence
- Nationality or residency information where required for a requested service
- Business activity and company information
- Information about your banking requirements
- Mortgage or financing requirements
- Insurance requirements
- Compliance or tax-related information
- Information provided through enquiry forms
- Documents or information voluntarily provided to us
- Any other information you choose to provide
We only request information that is reasonably relevant to the service or enquiry you have requested.
B. Information Collected Through Our Website
When you visit our website, certain technical information may automatically be collected, such as:
- IP address
- Browser type
- Device type
- Operating system
- Approximate geographic location
- Pages visited
- Date and time of visits
- Referring website
- Website interaction information
C. Information Collected Through Meta Platforms
If you interact with our advertisements, Facebook Page, Instagram account, Facebook Lead Ads, or other Meta services, we may receive information that you voluntarily submit through Meta’s lead-generation forms or other interactions.
This may include your:
- Name
- Telephone number
- Email address
- Company information
- Service requirements
- Other information you choose to provide through the relevant form.
Meta may independently process certain information according to its own privacy policies and terms.
3. How We Use Your Information
We may use personal information for the following purposes:
- To respond to your enquiries;
- To provide requested information about our services;
- To contact you regarding your enquiry;
- To provide business banking advisory assistance;
- To assist with corporate account opening requests;
- To provide mortgage-related assistance;
- To provide compliance and tax-related advisory services;
- To provide insurance-related assistance;
- To prepare proposals, quotations, or service documentation;
- To communicate with you regarding our services;
- To coordinate with relevant banks, financial institutions, insurers, professional advisers, service providers, or other parties where necessary to provide a requested service;
- To improve our website and services;
- To understand website and advertising performance;
- To manage and improve our marketing activities;
- To prevent fraud, misuse, or security incidents;
- To comply with applicable laws and regulatory requirements; and
- To protect our legal rights and interests.
4. Marketing Communications
Where permitted by applicable law, we may contact you regarding services, offers, updates, or other information that may be relevant to your enquiry.
You may request that we stop sending marketing communications at any time by:
- Contacting us using the details below;
- Following an available unsubscribe instruction; or
- Informing our representative that you no longer wish to receive marketing communications.
We will respect applicable requirements concerning marketing communications and personal-data processing.
5. Meta Advertising and Lead Generation
Karibu Capital may use Meta technologies, including Facebook and Instagram, to advertise its services and generate customer enquiries.
When you submit information through a Meta Lead Ad or otherwise contact us through Meta platforms, the information you provide may be received by Karibu Capital and used for the purposes described in this Privacy Policy.
We may use such information to:
- Contact you regarding your enquiry;
- Understand your service requirements;
- Provide requested information;
- Arrange consultations;
- Prepare proposals or quotations; and
- Follow up regarding the services you requested.
Meta may separately collect and process information in accordance with its own policies.
You can review Meta’s applicable privacy information through Meta’s privacy resources.
6. WhatsApp and Other Communication Channels
We may communicate with customers and prospective customers through WhatsApp, telephone, email, Facebook, Instagram, and other communication channels.
Information exchanged through these platforms may be processed by the respective platform provider according to its own privacy policies and terms.
We recommend that you do not send sensitive documents or confidential information through an unsecured communication channel unless specifically requested by us through an appropriate process.
7. Sharing Your Information
We do not sell your personal information.
We may share relevant information where reasonably necessary with:
- Banks and financial institutions;
- Mortgage providers or lenders;
- Insurance companies or intermediaries;
- Professional advisers;
- Compliance or tax service providers;
- Technology and hosting providers;
- CRM and communication platforms;
- Payment or administrative service providers;
- Government authorities and regulatory bodies where required;
- Professional service providers assisting us in delivering requested services; and
- Other third parties where you have requested or authorized us to facilitate a service.
We aim to share only the information reasonably necessary for the relevant purpose.
8. Data Security
We take reasonable technical and organizational measures to protect personal information against unauthorized access, disclosure, alteration, loss, misuse, or destruction.
However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.
You should also take reasonable precautions when sharing personal information online.
9. Cookies and Similar Technologies
Our website may use cookies and similar technologies to:
- Operate and maintain the website;
- Remember preferences;
- Understand website usage;
- Improve website performance;
- Measure advertising effectiveness;
- Analyze traffic; and
- Support marketing and analytics activities.
Some cookies may be placed by third-party service providers.
You may be able to control or disable cookies through your browser settings. However, disabling certain cookies may affect website functionality.
10. Analytics and Advertising Technologies
We may use third-party analytics and advertising technologies to understand how visitors interact with our website and how our advertising campaigns perform.
These technologies may include services provided by platforms such as Meta and other analytics or advertising providers.
These providers may collect information about your interaction with websites, advertisements, or digital content according to their own privacy policies.
11. Embedded Content and Third-Party Websites
Our website may contain links to or embedded content from third-party websites, platforms, or services.
Examples may include:
- YouTube
- Banking or financial institution websites
- Insurance provider websites
- Other third-party platforms.
Third-party websites operate under their own privacy policies and terms. We are not responsible for the privacy practices of third-party websites.
We recommend reviewing the applicable privacy policy before providing personal information to any third party.
12. How Long We Retain Your Information
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:
- Providing requested services;
- Managing customer relationships;
- Maintaining business records;
- Meeting contractual obligations;
- Meeting legal, regulatory, tax, accounting, or compliance requirements;
- Resolving disputes; and
- Protecting our legal rights.
The exact retention period may vary depending on the type of information and the purpose for which it was collected.
Where information is no longer required and there is no legal or legitimate reason to retain it, we may securely delete or anonymize it.
13. Your Privacy Rights
Subject to applicable UAE law and any applicable limitations, you may have rights regarding your personal information, including the ability to:
- Request access to personal information we hold about you;
- Request correction of inaccurate or incomplete information;
- Request deletion of personal information where legally applicable;
- Request restriction or cessation of certain processing where applicable;
- Withdraw consent where processing is based on consent;
- Object to certain processing where applicable; and
- Request information regarding how your personal information is processed.
The UAE Personal Data Protection framework recognizes rights relating to correction and restricting or stopping certain processing, subject to applicable legal requirements and exceptions.
Some information may need to be retained where required by law, regulation, contractual obligations, security requirements, or for the establishment or defense of legal claims.
14. How to Request Access, Correction or Deletion
If you would like to request access, correction, deletion, or another privacy-related action concerning your personal information, please contact us.
Email: info@karibucapital.ae
Please include:
- Your full name;
- Contact details;
- The nature of your request; and
- Any information reasonably necessary for us to identify the relevant records.
We may need to verify your identity before processing certain requests.
15. Children’s Privacy
Our website and services are intended for adults and businesses.
We do not knowingly collect personal information from children through our website for the purpose of providing our business services.
If you believe that a child has provided personal information to us without appropriate authorization, please contact us so that we can review and take appropriate action.
16. International or Cross-Border Data Transfers
Depending on the technology providers, service providers, communication platforms, or business partners we use, personal information may be processed or stored in jurisdictions outside the UAE.
Where applicable, we will take reasonable steps to ensure that such processing and transfers are carried out in accordance with applicable data-protection requirements.
The UAE’s personal-data framework includes requirements relating to certain cross-border transfers and sharing of personal data.
17. Confidential Financial and Business Information
Because some of our services involve business banking, mortgage, insurance, compliance, tax, and financial-related assistance, customers may voluntarily provide confidential business or financial information.
We use such information only for legitimate business purposes connected with the requested service, subject to applicable law and the terms of our engagement with you.
Submitting information to Karibu Capital does not by itself guarantee approval, financing, account opening, insurance coverage, or any other financial outcome. Final decisions remain with the relevant bank, financial institution, lender, insurer, or other service provider.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- Changes to our services;
- Changes to technology;
- Changes to applicable laws or regulations; or
- Changes to our data-processing practices.
The updated version will be published on this page with a revised “Last Updated” date.
19. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us.
Karibu Capital L.L.C-FZ
Website:
www.karibucapital.ae
Privacy Policy:
www.karibucapital.ae/privacy-policy
Email: info@karibucapital.ae