DET Licensed · Insurance Authority UAE Regulated · CBUAE Compliant +971 4421 4546

Privacy Policy

Last updated: 1 January 2026

1. Introduction

Gulf Oasis LLC (“Gulf Oasis”, “we”, “our” or “us”) is a limited liability company incorporated in Dubai, United Arab Emirates, and licensed by the Department of Economy and Tourism (DET). We operate a multi-service financial group providing insurance advisory, banking solutions, financial consulting and business management services.

We are committed to protecting the privacy and security of the personal information you entrust to us. This Privacy Policy explains how we collect, use, disclose and safeguard your information when you visit our website at gulfoasis.com, use our services or communicate with us.

By accessing our website or engaging our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms set out here, please refrain from using our website or services and contact us to discuss your concerns.

2. Data We Collect

We collect several categories of information depending on your relationship with us:

2.1 Personal Identification Information

This includes your full name, date of birth, nationality, Emirates ID or passport number, visa status, residential address, telephone number and email address. We collect this information when you complete an enquiry form, apply for a service, enter into a service agreement or communicate with us.

2.2 Financial Information

Depending on the service you request, we may collect financial details including income and employment information, bank account details (for direct debit mandates or account opening assistance), business financial statements, asset and liability disclosures, and insurance claims history. This information is collected solely for the purpose of providing the services you have requested and meeting our regulatory obligations.

2.3 Business Information

For corporate and SME clients, we may collect trade licence details, Memorandum of Association documents, shareholder information, commercial registration data and other company documentation required for business formation, banking or consulting services.

2.4 Usage and Technical Data

When you visit our website, we automatically collect certain technical data including your IP address, browser type and version, operating system, referring URL, pages visited, time spent on pages and other diagnostic data. This data is collected through cookies and similar tracking technologies and is used solely for website performance analysis and improvement.

2.5 Communications Data

We retain records of your correspondence with us, including emails, WhatsApp messages (where you have contacted us via WhatsApp), enquiry form submissions and telephone call notes. This enables us to maintain consistent service and comply with our regulatory record-keeping obligations.

3. How We Use Your Data

We process your personal information for the following purposes, relying on the legal bases stated:

  • Service delivery — To provide the insurance, banking, consulting or business services you have requested, including processing applications, managing policies and liaising with third-party providers on your behalf. Legal basis: performance of a contract.
  • Client communications — To respond to your enquiries, send service updates, renewal reminders and policy documentation. Legal basis: performance of a contract and legitimate interests.
  • Regulatory compliance — To meet our obligations under UAE law, including Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements, Insurance Authority regulations, CBUAE guidelines and DET licensing conditions. Legal basis: legal obligation.
  • Marketing communications — To send you relevant information about our services, industry insights and promotions, where you have provided consent or where we have a legitimate interest in keeping existing clients informed. You may opt out at any time. Legal basis: consent or legitimate interests.
  • Website improvement — To analyse how visitors use our website and to improve its functionality, security and content. Legal basis: legitimate interests.
  • Fraud prevention and security — To detect, prevent and investigate fraudulent activity, unauthorised access and other security threats. Legal basis: legitimate interests and legal obligation.

4. Data Sharing and Disclosure

4.1 Within the Gulf Oasis

Your information may be shared between divisions of Gulf Oasis (insurance, banking, consulting and business) where necessary to provide a coordinated service or where you have specifically requested multi-service assistance. All group entities are bound by the same privacy standards set out in this policy.

4.2 Service Partners and Providers

We share personal information with selected third parties who assist us in delivering our services. These include UAE-licensed insurance companies and underwriters, banking institutions and financial product providers, company registration authorities (DET, ADCCI, free zone authorities), government portals (MOHRE, ICA, GDRFA) for visa and PRO services, and accounting and payroll software providers. All such partners are contractually obligated to handle your data securely and in accordance with applicable UAE law.

4.3 Regulatory and Legal Authorities

We may disclose your information to UAE regulatory authorities — including the UAE Insurance Authority, CBUAE, UAE Financial Intelligence Unit (FIU), DET, and UAE courts or law enforcement agencies — where we are required to do so by law, court order or regulatory directive.

4.4 No Sale of Data

We do not sell, rent or trade your personal information to any third party for marketing or commercial purposes. Your data is used exclusively for the purposes set out in this policy.

5. International Data Transfers

Where your service requires engagement with our offices in Bengaluru, India or Singapore, or with international insurance or financial product providers, your data may be transferred outside the UAE. In all such cases, we take steps to ensure that appropriate contractual protections are in place and that the receiving party maintains data security standards equivalent to those required under UAE law.

6. Data Security

Gulf Oasis implements industry-standard technical and organisational security measures to protect your personal information from unauthorised access, disclosure, alteration or destruction. These measures include:

  • TLS/SSL encryption for all data transmitted via our website and client portal.
  • Role-based access controls limiting staff access to personal data to those who require it to perform their duties.
  • Regular security assessments and penetration testing of our digital systems.
  • Secure, encrypted storage of digital records and locked physical storage for paper documents.
  • Staff training on data protection, confidentiality obligations and phishing awareness.

Despite our measures, no method of electronic transmission or storage is completely secure. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately at privacy@gulfoasis.com.

7. Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including meeting our legal, regulatory and contractual obligations. As a UAE-licensed financial services group, we are required to retain certain client records for a minimum of five years following the end of a client relationship, in accordance with UAE AML regulations. After the applicable retention period, data is securely deleted or anonymised.

8. Your Rights

Subject to applicable UAE law, you have the following rights regarding your personal information:

  • Right of access — You may request a copy of the personal information we hold about you.
  • Right to correction — You may request that we correct any inaccurate or incomplete personal information.
  • Right to deletion — You may request that we delete your personal information where it is no longer necessary for the purposes for which it was collected, subject to our legal retention obligations.
  • Right to restrict processing — You may request that we restrict the processing of your personal information in certain circumstances.
  • Right to withdraw consent — Where we rely on your consent to process your data (e.g., for marketing communications), you may withdraw that consent at any time without affecting the lawfulness of prior processing.
  • Right to object to marketing — You may opt out of receiving marketing communications from us at any time by contacting us or using the unsubscribe link in our emails.

To exercise any of these rights, please contact our Data Protection Officer at privacy@gulfoasis.com. We will respond to all requests within 30 days.

9. Cookies Policy

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyse website traffic. Cookies are small text files stored on your device by your browser.

Types of cookies we use:

  • Essential cookies — Strictly necessary for the website to function. These cannot be disabled.
  • Analytics cookies — Help us understand how visitors interact with our website (e.g., Google Analytics). All data is anonymised before processing.
  • Preference cookies — Remember your settings and preferences to improve your experience on return visits.
  • Marketing cookies — Used to deliver relevant advertisements where applicable. These require your explicit consent.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of our website. For more information, visit allaboutcookies.org.

10. Third-Party Links

Our website may contain links to third-party websites, including insurance company portals, banking platforms and regulatory authority websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies independently.

11. Children’s Privacy

Our services are not directed at children under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18 without verified parental consent, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements or regulatory guidance. We will notify you of material changes by posting the updated policy on our website with a revised “Last updated” date. Where changes are significant, we may also notify active clients directly by email. Continued use of our services following such notification constitutes acceptance of the revised policy.

13. Contact — Privacy Matters

If you have any questions, concerns or requests relating to this Privacy Policy or the handling of your personal data, please contact our Data Protection Officer:

Data Protection Officer
Gulf Oasis LLC
Office 1204, Business Bay Tower, Business Bay
Dubai, United Arab Emirates
Email: privacy@gulfoasis.com
Phone: +971 4421 4546

14. Governing Law

This Privacy Policy and any disputes arising from it shall be governed by and construed in accordance with the laws of the United Arab Emirates, including applicable federal legislation on data protection and privacy. Any disputes shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE.

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