Privacy Policy

1. Introduction

The Financier Ltd and its associated brands ("we", "our", or "us") are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website maximcohen.com and use our services. This policy applies to users in the United Kingdom, United States, and Israel.

Our Brands: IsraelProperty.com and IsraelMortgages.com are brands of UK-Israel Group Ltd (Registered in the UK).

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us, including:

• Name and contact details (email address, phone number, postal address)
• Company name and job title
• Financial information (for loan applications)
• Identity verification documents
• Bank statements and financial records
• Property information and valuation details

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information, including:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our site
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Processing finance and loan applications
• Providing financial advice and services
• Conducting due diligence and credit checks
• Communicating with you about our services
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Improving our website and services
• Marketing our services (with your consent where required)

4. Legal Basis for Processing (UK & EU GDPR)

Under UK GDPR and EU GDPR, we process your personal data based on:

• Contract: Processing necessary to perform our services
• Legal Obligation: Compliance with financial regulations (FCA, AML, KYC)
• Legitimate Interest: Business operations, fraud prevention, and service improvement
• Consent: Marketing communications and certain data processing activities

5. Data Sharing and Disclosure

5.1 Third-Party Service Providers

We may share your information with:

• Lenders and financial institutions
• Credit reference agencies
• Legal and professional advisors
• IT service providers and cloud storage services
• Payment processors
• Property valuers and surveyors

5.2 Regulatory Bodies

We may disclose your information to:

• Financial Conduct Authority (FCA) in the UK
• HM Revenue & Customs (HMRC)
• Law enforcement and government authorities
• Other regulatory bodies as required by law

5.3 International Transfers

As we operate in the UK, USA, and Israel, your data may be transferred internationally. We ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by relevant authorities and compliance with adequacy decisions where applicable.

5.4 Israel Property Services

For services provided through IsraelProperty.com and IsraelMortgages.com, Maxim Cohen is a licensed real estate agent in Israel, registered with the משרד המשפטים (Ministry of Justice). Mortgages in Israel are not regulated. IsraelMortgages.com provides general mortgage guidance and assistance with the application process. We are not a bank and do not provide credit directly. All mortgage approvals, terms and interest rates are determined solely by the issuing bank or lender.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are typically retained for 6-7 years in accordance with UK and international requirements.

7. Your Rights

7.1 UK & EU Users (GDPR Rights)

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent
• Right to lodge a complaint with the ICO (UK) or relevant supervisory authority

7.2 USA Users (State Privacy Laws)

Residents of California, Virginia, Colorado, and other states with privacy laws have rights including access, deletion, correction, and opt-out rights. We comply with applicable state privacy regulations.

7.3 Israel Users (Privacy Protection Law)

Israeli residents have rights under the Protection of Privacy Law, 1981, including access, correction, and deletion of personal information.

8. Security Measures

We implement appropriate technical and organizational measures to protect your personal information, including encryption, secure servers, access controls, and regular security assessments. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal data, please contact us.

10. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. For detailed information, please refer to our Cookies Policy.

11. Marketing Communications

We may send you marketing communications about our services. You can opt out at any time by clicking the unsubscribe link in our emails or contacting us directly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact:

The Financier Ltd
Email: maxim@thefinancier.com
Website: maximcohen.com

14. Regulatory Information

UK: Information Commissioner's Office (ICO) - ico.org.uk
USA: Federal Trade Commission - ftc.gov
Israel: Privacy Protection Authority - gov.il/en/departments/the_privacy_protection_authority

This Privacy Policy is designed to comply with UK GDPR, EU GDPR, US state privacy laws, and Israeli Privacy Protection Law. If you have concerns about our data practices, please contact us directly.