Introduction and Scope: This Legal Notice (hereinafter "Legal Notice") provides information about the provider and the responsible entity behind the Dubai Finanz brand, a service of Welldomo Mortgage Broker LLC and Welldomo Valuation Real Estate LLC, located at Emaar Square, Building 6, Level 702, Burj Khalifa Community, P.O. Box 122347, Dubai, United Arab Emirates (hereinafter "the Company", "we", "us" or "our"). By using our website, our platforms, or contacting us, you take note of the information provided here. Please read this Legal Notice carefully, as it contains binding information about the entity responsible for our digital offerings and sets out your rights as well as our obligations with regard to provider identification. Definitions of Key Terms: - "The Company": Refers to Welldomo Mortgage Broker LLC and/or Welldomo Valuation Real Estate LLC, the provider and responsible entity for the digital offerings as described in this Legal Notice. - "User": Any natural or legal person who accesses our website, our platforms, or other digital offerings, or who contacts the Company. - "Services": Comprise all services offered, including but not limited to mortgage brokerage, Golden Visa service, bank account opening service, will services, and investment advisory. - "Platforms": All digital channels and means of communication provided by the Company, including the website, social media channels (such as YouTube, Instagram), and newsletter. Provider Details and Responsible Entity: Dubai Finanz is a service of Welldomo Mortgage Broker LLC, Emaar Square, Building 6, Level 702, Burj Khalifa Community, P.O. Box 122347, Dubai, United Arab Emirates. The Managing Director and authorized representative is Eugen Zimbelmann. These details apply to all digital presences of the Company as well as to all interactions between the Company and its users, regardless of whether these take place via our website, social media channels, newsletter, or by any other means. Responsibility for the offerings mentioned here lies exclusively with the Company. Any deviations from these details or additions to them require the express written confirmation of the Company. Company Purpose and Description of Services: The Company's business activities comprise the brokerage of financing as well as related advisory and support services concerning real estate investments in Dubai. The Company's activities are directed at clients both domestically and abroad and are provided via the platforms mentioned as well as through personal consultation. The following description serves to provide information about the nature of our activities and does not in itself constitute a contractual relationship. Our Services Include: Mortgage Brokerage: Regardless of your residency status in the UAE, we offer comprehensive mortgage brokerage. This includes assessing creditworthiness, preparing a financing analysis, and a professional, analytical approach. We guide you through the banks' KYC process, create a profile, communicate with the banks, and support you throughout the entire property purchase process. This includes contract review, the commissioning of appraisers, as well as drawing up powers of attorney and providing authorized representatives for the transaction. Will Services: Through third-party providers, we assist with drawing up wills to safeguard your property in Dubai. Bank Account Opening: Likewise, through third-party providers, we assist with opening bank accounts, both personal and corporate accounts. Golden Visa Service: As a property investor in Dubai, we support you in applying for a Golden Visa or Investor Visa. We review the requirements, prepare all documents for the authorities, and arrange all important appointments such as the medical check and biometrics. We are also responsible for all required documents and accompany you to all appointments. Responsibility for Content: It is incumbent upon the Company to create and keep up to date the content provided on its platforms with due care. This includes an appropriate and comprehensible presentation of the services offered as well as the provision of accurate provider information. The User is required to review the information provided on our platforms on their own responsibility and, where necessary, to seek professional advice. This includes, but is not limited to, information on services, terms, and legal frameworks that may require separate assessment depending on the individual situation. Please note that, in presenting its content, the Company refers to information from third parties such as banks and authorities. However, the Company assumes no responsibility for the accuracy, completeness, or timeliness of content originating from these third parties. The Company is not liable for information provided by these third parties and provides no compensation for any resulting damages or losses. Official Authorization, Licensing, and Supervision: The Company is registered as a licensed company in the United Arab Emirates and carries out its activities within the framework of the applicable official authorizations. The Managing Director is licensed as a real estate appraiser accredited by the Dubai Land Department. The provision of services takes place in compliance with the relevant regulatory requirements. For our service, we are legally required to levy a value added tax (VAT) of 5% on the total cost. This VAT is added at the time of invoicing and is attributable to our fee. Insofar as separate authorizations or the involvement of licensed third-party providers are required for the performance of particular activities, the Company ensures compliance with the respective requirements. We are happy to provide further details on individual licenses or register entries upon request. Professional Conduct and Regulatory Provisions: The Company carries out its activities in compliance with the professional and supervisory regulations applicable in the United Arab Emirates to the brokerage of financing and to real estate-related services. Compliance with the relevant requirements, including the requirements for anti-money-laundering (AML) and customer identity verification (KYC), is an integral part of our business activities. Should adjustments arise from changes to legal or regulatory requirements, the Company reserves the right to align its processes and offerings accordingly. Further statutory obligations of the Company – including the obligation to present evidence to the competent authorities – remain unaffected. Intellectual Property and Rights of Use: The Company retains all intellectual property rights, including but not limited to trademarks, logos, content, graphics, and designs presented on our website, social media channels, and other platforms. Any use or reproduction of this content without the express written permission of the Company is strictly prohibited. By accessing our website, social media channels, or other platforms of the Company, users obtain no license or permission to use our intellectual property for commercial or non-commercial purposes. The distribution, modification, transmission, or publication of our intellectual property without our prior written consent constitutes an infringement of our rights and may result in legal consequences. Users are prohibited from reproducing, publishing, distributing, or otherwise using our intellectual property in any form, unless this is done in accordance with the express terms of use or a written agreement with the Company. Any links to our website or our YouTube channel must be reported to us and approved in advance. Unauthorized mentions or links will not be tolerated and may lead to legal action. Limitations of Liability and Disclaimers: The Company assumes no liability for direct, indirect, incidental, special, or consequential damages arising from the use of our platforms, content, or the information provided, unless required by law. We are not liable for losses or damages caused by the acts or omissions of third parties, including but not limited to the actions of banks, authorities, or other partners with whom we cooperate. We assume no liability for delays, failures, or interruptions in the provision of our platforms that are beyond our control, including but not limited to technical problems, natural disasters, strikes, or government measures. Furthermore, we disclaim any liability for damages or losses arising from the use of linked websites, social media channels, or other external resources to which our platforms refer. The operators of linked external sites are solely responsible for their content; the use of such external resources is at the User's own risk. Validity and Currency of the Information: The information contained in this Legal Notice is prepared with the greatest possible care and reviewed regularly. Should changes arise in the company structure, the authorized representative, or the contact details, the information will be updated without delay. In the event that individual details are temporarily not up to date due to unforeseen circumstances, a correction will be made taking into account a reasonable processing period. Please note that responsibility for the digital offerings mentioned here remains with the company named in this Legal Notice until an express notice of change is given. For users who contact us via our platforms without availing themselves of the services offered, no contractual obligations arise from the mere use of the website. Amendments to the Legal Notice: The Company reserves the right to amend or update this Legal Notice at any time and at its own discretion. Any amendments take effect immediately upon being published on our website or otherwise. The version published on our website at the time of access always applies. It is the User's responsibility to take note of the current version of this Legal Notice. By continuing to use our platforms after the amendments take effect, the User takes note of the updated information. Should the User not agree with individual details, they are free to discontinue use of our platforms. Applicable Law and Place of Jurisdiction: For all disputes arising out of or in connection with this Legal Notice and the use of our platforms, the law of the United Arab Emirates (UAE) applies, to the exclusion of conflict-of-law rules. Any legal disputes arising out of or in connection with this Legal Notice are subject to the exclusive jurisdiction of the courts in Dubai, UAE. In the event of disagreements or disputes between the User and the Company, it is recommended that all efforts first be made to reach an amicable settlement through conciliation or mediation proceedings. Such proceedings can help resolve conflicts effectively and out of court, saving time and resources for both parties. Communication and Customer Service: Various contact options are available to you for inquiries and support. You can reach us by email at service@dubai-finanz.de or by telephone at +971 58 198 6880. In addition, we also offer the option of communicating via social media channels such as Instagram and YouTube (@dubaifinanz) as well as via WhatsApp at +971 58 198 6880. You are also welcome to arrange a free initial consultation with our experts. We strive to respond to all inquiries and communications as quickly as possible. Notifications and important communications are generally sent by email or telephone, depending on which means of communication is best suited to the respective situation. We recommend that our users check their emails regularly and ensure that the contact details they have provided are always up to date, in order to guarantee smooth communication. Miscellaneous Provisions: In addition to this Legal Notice, specific platforms, services, or legal requirements may include additional notices and provisions that apply to those offerings. Such specific provisions will be made available to the User as needed and apply in conjunction with this Legal Notice. Together with our General Terms and Conditions and our Privacy Policy, this Legal Notice constitutes the authoritative basis for the provider identification of our digital offerings. Any amendments or additions to the information stated here require confirmation by the Company. Should any detail in this Legal Notice be found to be invalid or unenforceable, the validity and enforceability of the remaining details shall remain unaffected.

The Client agrees that all personal data, documents, and other information transmitted or made available in the course of the business relationship – regardless of the form of transmission (e.g., by email, online form, upload, messenger service, or telephone) – may be stored, processed, and analyzed by Dubai Finanz (a brand of Welldomo Mortgage Broker LLC and Welldomo Valuation Real Estate LLC).

Processing is carried out exclusively for the purpose of individual advice, support, and performance of the requested services in connection with real estate investments, financing, or other services we offer. The analysis of the data may also be carried out automatically in order to provide the Client with the best possible recommendations and tailored solutions.

Processing and storage are carried out in accordance with the applicable data protection regulations of the United Arab Emirates. Disclosure to third parties takes place only insofar as this is necessary to fulfill the purpose of the contract (e.g., to banks, authorities, cooperation partners within the corporate group) or the Client has expressly consented to it.

The Client has the right at any time to request information about the data stored about them, as well as to request its correction or deletion, provided that no statutory retention obligations preclude this. Further information can be found in our privacy policy below.

We take the protection of your personal data very seriously. The party responsible for data processing on this website is Dubai Finanz, a brand of Welldomo Mortgage Broker LLC and Welldomo Valuation Real Estate LLC, located at Emaar Square, Building 6, Level 702, Burj Khalifa Community, P.O. Box 122347, Dubai, United Arab Emirates. You can reach us at service@dubai-finanz.de.

We process personal data exclusively within the framework of the applicable data protection laws of the United Arab Emirates (Federal Decree-Law No. 45 of 2021) and in accordance with internationally recognized data processing principles. Personal data is any information relating to an identified or identifiable natural person. This includes in particular name, email address, telephone number, place of residence, nationality, as well as all documents and information you provide to us in the course of an inquiry or collaboration – such as passport copies, bank statements, proof of salary, or information on real estate and financing goals. Technical information such as your IP address and the time of access to our website is also recorded.

The collection and processing of this data is carried out in order to process your inquiry, create individual recommendations and financing solutions, initiate or fulfill contracts, and comply with legal obligations. Automated analysis may take place in order to efficiently present you with suitable offers. The data is stored only for as long as is necessary to fulfill these purposes or as long as statutory retention periods exist. After these periods expire, the data is deleted or anonymized.

Your data is disclosed to third parties exclusively when this is necessary for the performance of the contract, for example to partner banks, real estate agents, valuation service providers, or authorities within the UAE. Forwarding within our corporate group, in particular to Welldomo Valuation LLC, is possible insofar as this is necessary in the context of the advisory service. Transmission to other third parties or for advertising purposes takes place only with your express consent.

We protect your data through appropriate technical and organizational measures, including encrypted connections (SSL), access restrictions within our systems, and secure storage on selected servers. The security of your information is our top priority.

You have the right at any time to request information about the data we have stored, to have inaccurate information corrected, or to request the deletion of your data, provided that no statutory retention obligations preclude this. In addition, you have the right to restrict or object to the processing, as well as – insofar as technically possible – to request the transfer of your data to another service provider. To exercise these rights, an informal notice to service@dubai-finanz.de is sufficient. We reserve the right to request proof of identity for verification purposes.

When you visit our website, we use cookies and comparable technologies to improve user-friendliness and the quality of our offerings. Some of these cookies are technically necessary for the operation of the site, while others help us analyze user behavior anonymously. You can object to the use of non-essential cookies on your first visit or adjust your settings at any time. It is possible that services such as Google Analytics may also be used. A transfer of data to countries outside the UAE cannot be entirely ruled out. In this case, we ensure through appropriate measures that your data continues to be adequately protected.

We reserve the right to amend this privacy policy as needed, in particular in the event of changes to legal regulations or internal processes. The version published on www.dubai-finanz.de at the time of access always applies.

As of: July 2025