Privacy Policy

MUNZIL — PRIVACY POLICY Effective Date: 6 April 2026

Munzil Ltd (“Company,” “we,” “our,” or “us”) is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website (https://munzil.co) or engage our property advisory and investment services. It is issued in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Our Regulatory Standing

Munzil Ltd is fully registered and compliant with applicable UK regulatory requirements:

AML Compliance: Munzil Ltd is registered directly with HM Revenue & Customs (HMRC) for Anti-Money Laundering supervision in accordance with the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017. HMRC AML Registration Number: XTML00000212176 (registered until 31 August 2026)

ICO Registration: Data protection activities are currently covered under the ICO registration of South Homes Ltd (Company No. 14787038), Munzil’s wholly-owned subsidiary,  ICO Registration Number: ZB947212

Client Money: All client monies are held in a designated client money account, maintained separately from operating funds to ensure full protection of client funds at all times.

2. Information We Collect

2.1 Personal Information You Provide

We may collect the following when you contact us, register an interest, or engage our services:

• Full name, email address, telephone number, and postal address
• Business or company details where you engage with us as a corporate entity
• Financial and payment information required to process transactions
• Identification and verification documents collected for AML/KYC compliance (e.g. passport, proof of address, source of funds documentation)
• Investment preferences, budget parameters, and property search requirements

2.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address, browser type, operating system, and device identifiers
• Cookies and similar tracking technologies used to improve user experience
• Log and usage data including pages visited, time on site, and referral sources

3. How We Use Your Information

We process your personal data on the following legal bases under UK GDPR: contractual necessity, legitimate interests, legal obligation, and where required, your explicit consent. We use your data to:

• Provide, maintain, and improve our property advisory and investment services
• Communicate with you regarding properties, projects, and service updates
• Process transactions and manage payments securely
• Conduct client due diligence and identity verification as required under AML regulations
• Comply with our legal, regulatory, and supervisory obligations
• Prevent fraud, money laundering, and other financial crime
• Analyse website usage to improve functionality and user experience
• Send marketing communications where you have given consent or where we have a legitimate interest, with opt-out available at any time

4. How We Share Your Information

We do not sell or rent your personal data. We may share it in the following limited circumstances:

• Service Providers: Trusted third-party vendors supporting our operations, including payment processors, IT providers, and marketing platforms, all subject to appropriate data processing agreements
• Legal & Regulatory Authorities: Where required by law, court order, or regulatory obligation, including disclosure to HMRC, the ICO, or law enforcement agencies
• AML/KYC Obligations: We may be required to file Suspicious Activity Reports (SARs) with the National Crime Agency (NCA) without notifying you, where legally required to do so
• Professional Advisers: Solicitors, surveyors, financial advisers, and other professionals engaged in connection with a transaction
• Business Transfers: In the event of a merger, acquisition, or sale of business assets, your data may be transferred to the relevant successor entity

5. Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected, or as required by law:

• AML/KYC records are retained for a minimum of five years following the end of a business relationship, in accordance with the Money Laundering Regulations 2017
• Transaction records may be retained for up to seven years for tax and accounting purposes
• Marketing preferences and contact data are reviewed periodically and removed upon request or following a reasonable period of inactivity

6. Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and analyse site traffic. Cookies may be strictly necessary, functional, analytical, or marketing in nature. You may adjust your browser settings to refuse non-essential cookies; however, some features of the website may not function correctly as a result. A full Cookie Policy is available on our website.

7. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, or disclosure. No transmission over the internet is entirely secure. In the event of a data breach that poses a risk to your rights and freedoms, we will notify the ICO within 72 hours and inform affected individuals in accordance with our obligations under UK GDPR.

8. Your Rights

Under UK GDPR, you have the following rights in relation to your personal data:

• Right of Access — to obtain a copy of the personal data we hold about you
• Right to Rectification — to have inaccurate data corrected
• Right to Erasure — to request deletion of your data in certain circumstances
• Right to Restriction — to limit how we process your data in certain circumstances
• Right to Data Portability — to receive your data in a structured, machine-readable format
• Right to Object — to object to processing based on legitimate interests or for direct marketing
• Right to Withdraw Consent — where processing is based on consent, you may withdraw it at any time

To exercise any of these rights, contact us at contact@munzil.co. We will respond within one calendar month. You also have the right to lodge a complaint with the ICO at www.ico.org.uk or by calling 0303 123 1113.

9. International Data Transfers

Where we transfer personal data outside the United Kingdom, for example in connection with transactions in the UAE or Pakistan, we ensure that appropriate safeguards are in place in accordance with UK GDPR, including standard contractual clauses or adequacy decisions where applicable.

10. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices of those sites and encourage you to review their policies independently.

11. Limitation of Liability

Munzil Ltd shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of our website or reliance on information contained therein, including unauthorised third-party access to personal data beyond our reasonable control, to the extent permitted by applicable law.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable law. The updated policy will be posted on this page with a revised Effective Date. Where changes are material, we will notify you directly where practicable.

13. Contact Us

Munzil Ltd Email: contact@munzil.co Website: https://munzil.co