How we handle your information.

At Binga Properties PVT LTD (officially registered at the Ministry of Economic Development, Transport & Trade, Republic of Maldives), operating as "Binga" or "Binga Properties" ("we," "us," or "our"), trust is the foundation of our premium real estate concierge service.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information. It is designed to comply strictly with the laws of the Republic of Maldives — including:

• The Right to Privacy under Article 24 of the Constitution of the Maldives;
• The Consumer Protection Act (Law No. 1/2020);
• The Electronic Transactions Act (Law No. 18/2014);
• The Residential Tenancy Act (Law No. 21/2021), ratified November 2021, which regulates residential leases between landlords and tenants and prescribes record-keeping and disclosure obligations;
• The Prevention of Money Laundering and Financing of Terrorism Act (Law No. 10/2014); and
• The Tax Administration Act (Law No. 3/2010) and applicable regulations of the Maldives Inland Revenue Authority (MIRA).

We also adhere to the international advertising and data-protection standards mandated by platforms such as Google and Meta.

1. Information We Collect

To provide our matchmaking and concierge services safely and lawfully, we collect information that identifies, relates to, or describes you:

Identity & KYC Data

Full name, date of birth, Maldivian National ID Card copies, or Expatriate Work Visa / Passport details. Mandatory for Know Your Customer (KYC) compliance and for the legally binding tenancy agreements required under the Residential Tenancy Act (Law No. 21/2021).

Contact Data

Email address, phone / Viber / WhatsApp number, and current residential address.

Financial & Professional Data

Employment status, income details, and business affiliations — collected solely to verify tenant capability and protect property owners.

Property & Tenancy Data

Property details, ownership registries, condition reports, advertised rent, security deposit amounts, and tenancy term — collected to fulfil the disclosure and record-keeping obligations imposed on landlords and agents under the Residential Tenancy Act.

Device & Tracking Data

IP address, browser type, cookies, and web beacons collected automatically via Google Analytics and the Meta Pixel when you interact with our website (binga.mv) and digital advertisements.

2. How We Use Your Information

We use the information we collect for the following business, commercial, and legal purposes:

To Provide Our Services

Curating property matches, vetting tenants, drafting tenancy agreements that comply with the Residential Tenancy Act, and connecting landlords with prospective renters.

Regulatory & AML Compliance

Verifying identities under the Prevention of Money Laundering and Financing of Terrorism Act (Law No. 10/2014); establishing legally valid electronic contracts under the Electronic Transactions Act; and maintaining records required under the Residential Tenancy Act.

Marketing and Advertising

Delivering targeted advertisements via Google Ads and Meta (Facebook / Instagram), and sending promotional communications about exclusive off-market properties.

To Improve Client Experience

Analyzing website usage to optimize our platform and streamline the property matchmaking process.

3. How We Share Your Information

We strictly respect your privacy and do not sell your personal data. We share information only:

With Property Owners / Landlords

If you are a prospective tenant, we share your application profile (including verified financial capacity) with property owners to enable lease approvals as contemplated by the Residential Tenancy Act.

With Prospective Tenants / Corporate Clients

If you are a landlord, we share property details with verified tenants and corporate HR directors.

With Service Providers

Trusted third-party vendors who assist us with IT infrastructure, CRM management, data analytics (Google), and digital advertising (Meta).

For Legal & Government Obligations

We may disclose your information if required by Maldivian law, or in response to valid requests by public authorities — including the Maldives Police Service, Maldives Inland Revenue Authority (MIRA), the Residential Tenancy Dispute Resolution Committee established under the Residential Tenancy Act, or local courts.

4. Cookies, Google, and Meta Tracking Technologies

To provide a personalized experience and measure the effectiveness of our marketing, we use standard tracking pixels:

Google Analytics & Google Ads

We use Google services to analyze website traffic and serve relevant ads. Google uses cookies to serve ads based on your prior visits.

Meta Pixel

We utilize the Meta Pixel to understand user actions on our website and to deliver targeted advertisements on Facebook and Instagram.

Opting Out

You can opt out of personalized advertising by visiting Google Ads Settings and adjusting your Meta ad preferences within your Facebook or Instagram account settings.

5. Data Security and Retention

We implement robust security measures to protect your personal information from unauthorized access or disclosure.

• Access to sensitive financial and identity data is restricted to authorized Binga Concierge staff.
• Tenancy records: executed tenancy agreements, condition reports, deposit receipts, and related correspondence are retained for the full term of the tenancy and for the period required under the Residential Tenancy Act and any subsequent dispute-resolution proceedings.
• Tax & financial records: in compliance with the Tax Administration Act (Law No. 3/2010) and MIRA regulations, financial transaction records are retained for a minimum of five (5) years.
• Unsuccessful tenant application data is securely purged from our active CRM after a standard retention period.

6. Your Privacy Rights

Under Maldivian consumer protection principles and international best practices, you possess the following rights regarding your personal information:

The Right to Access

You may request a copy of the personal data we hold about you.

The Right to Rectification

You may request that we correct any inaccurate or incomplete information.

The Right to Erasure

You may request the deletion of your personal data, provided it does not conflict with our legal retention obligations under the Tax Administration Act, the Residential Tenancy Act, or other applicable Maldivian law.

The Right to Opt-Out

You may unsubscribe from our marketing communications at any time.

7. Third-Party Links

Our website or digital presentations may contain links to third-party websites (such as LinkedIn profiles for tenant verification). We are not responsible for the privacy practices of these external sites and encourage you to read their respective privacy policies.

8. Governing Law and Jurisdiction

This Privacy Policy and our data processing practices are governed by the laws of the Republic of Maldives. Any disputes arising from or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of the Maldives, and — where the dispute arises in the context of a residential tenancy — to the dispute-resolution mechanisms established under the Residential Tenancy Act (Law No. 21/2021).

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact our Managing Director and Data Protection Officer at: