Who Controls Your Data?

• Identity: Valnex SL ("Valnex, Malta Guru")
• Registered Office: Triq il Hawha, Blossoms 24 B, San Gwann, Malta SGN2381
• Tax code: MT30465616
• Telephone: +356 9976 5494
• Email: info@maltaguru.com
• Data Protection Officer: info@maltaguru.com

What Personal Information Will We Process?

We manage your personal data to provide the services you have requested. The personal data we process may include: your first name, surname(s), email, profile photograph, user identification, password, telephone number, complete property information (including physical address), browsing data, bank details and billing data.

All fields indicated with an asterisk (*) in forms are compulsory. If not provided or provided incorrectly, it may be impossible to provide the requested services.

How We Process Your Personal Data

The list of services you can request and we can provide includes management of user registrations, account configuration, property search saving, direct contact with advertisers, notification management, property listing publication, and instant messaging between users.

User Registration and Service Access on MaltaGuru

Management of MaltaGuru user registrations so you can access our Malta property platform and benefit from MaltaGuru services. The legitimate basis shall be the execution of a contract.

If you register with MaltaGuru using your Google account, the data obtained from Google will be used to configure your MaltaGuru account. You may dissociate your account from your Google profile at any time. The collection and use of these data are based on your consent.

• Account and profile configuration — legitimate basis: consent
• Save and manage property searches — legitimate basis: consent
• Direct contact with advertisers — legitimate basis: contract execution
• Publication of adverts on maltaguru.com — legitimate basis: contract execution
• Instant messaging between users — legitimate basis: legitimate interest
• Customer support service — legitimate basis: contract execution
• Location feature (with express consent) — legitimate basis: consent

Analytics and Fraud Prevention

Prevention of abuse and fraud in the use of our services (for example, fraudulent activities, denial-of-service attacks, sending of spam). The legitimate basis shall be legitimate interest.

Compliance with Legal Obligations and GDPR

Ensuring compliance with all obligations set out in applicable regulations, including assisting in the exercise of data subjects' rights as recognised in relevant legislation. If necessary, we will use your information as required to meet our legal obligations. The legitimate basis shall be the fulfilment of a legal obligation.

Marketing and Communications

By registering an account with MaltaGuru, you consent to receive newsletters, marketing materials, promotional messages, and other information we may send. You may opt out at any time by using the unsubscribe link provided in our messages or by contacting us.

Purchases and Payment Processing

If you purchase any product or service through MaltaGuru, it may be necessary to provide specific payment details including credit card number, expiration date, billing address and shipping details.

You confirm that: (i) you are authorised to use the selected payment method, and (ii) the information you provide is accurate, complete and up-to-date. MaltaGuru may use third-party payment processors. By submitting your payment information, you authorise us to share it with these third parties under our Privacy Policy.

We reserve the right to refuse or cancel an order for reasons including: product availability, errors in price or description, suspected fraud or unauthorised use.

Contests, Sweepstakes and Promotions

Any contests, sweepstakes or promotions ("Promotions") made available through MaltaGuru may be governed by rules separate from these Terms. If you participate in any Promotion, you must review the applicable rules and our Privacy Policy. In the event of a conflict between these Terms and the Promotion rules, the Promotion rules shall apply.

Subscriptions and Billing Cycles

Certain parts of MaltaGuru are billed on a subscription basis. Billing is made in advance on a recurring periodic basis ("Billing Cycle"), usually monthly. Subscriptions renew automatically under the same conditions unless cancelled by you or by MaltaGuru.

You may cancel your Subscription renewal via your user account or by contacting our support team. A valid payment method is required. Should automatic billing fail, we will issue an electronic invoice requesting manual payment.

Fee Changes Policy

MaltaGuru may modify Subscription fees at any time. Any fee change will take effect at the end of the ongoing Billing Cycle. You will receive reasonable prior notice to allow you to cancel your Subscription if you do not wish to accept the new fees. Continued use of the service after the fee change implies acceptance of the modified price.

Refunds Policy

Except where legally required, all paid Subscription fees are non-refundable. For questions about billing, please contact our support team.

User-Generated Content Policy

MaltaGuru allows you to post, link, store, share and make available text, images, videos, graphics or other materials ("Content"). You are solely responsible for the Content you post, including its legality, accuracy and appropriateness.

By posting Content, you confirm that: (i) the Content is yours or you have permission to use it, and (ii) the Content does not infringe privacy rights, copyrights, publicity rights or any third-party rights.

You retain all rights to your Content, but grant MaltaGuru a licence to use, modify, display, reproduce and distribute it through the service. Content found on the service belonging to MaltaGuru or third parties may not be reproduced or used commercially without written consent.

Data Retention and Deletion Policy

While you are a MaltaGuru user, your data will be kept for the duration of the contractual and commercial relationship with us. When processing is based on consent, data will be kept until you withdraw your consent.

Before definitive deletion, your data will be blocked once the purpose has ended, strictly for responding to potential liabilities during legal limitation periods. Suitable security measures will be applied throughout the entire storage period.

Third-Party Links and Data Sharing

MaltaGuru may provide references or access to third-party services we believe may be of interest to you. These services are accessed via links to external websites. MaltaGuru is not responsible for the processing they carry out nor does MaltaGuru transfer any personal data to them. You must review and accept the respective privacy policies of such third-party services before providing any personal data.

Who Are Your Data Communicated To?

MaltaGuru only shares your data with third parties to the extent necessary and permitted by current regulations. Your data may be communicated to:

• Other MaltaGuru users when you decide to contact an advertiser; your contact data will be shared with the associated advertiser.
• External experts or real estate agents when you expressly request help or consultancy. Data transfers always require your prior consent.
• Trusted suppliers and service providers who assist us in operating MaltaGuru, bound by confidentiality and data protection agreements. Some suppliers may be located outside the EEA — in such cases, adequate legal safeguards apply, such as EU Standard Contractual Clauses.
• Public authorities, police forces, courts and regulatory bodies when legally required.

User Rights – Access, Rectification and Deletion

• Right to request confirmation of whether MaltaGuru is processing your personal data.
• Right to access your personal data and request rectification of inaccurate information or deletion when no longer necessary.
• Right to request restriction of processing in certain circumstances.
• Right to object to the processing of your data for reasons related to your situation.
• Right to exercise data portability.
• Right to withdraw consent at any time without affecting prior lawful processing.

To exercise your rights, contact us at info@maltaguru.com or write to: Triq il Hawha, Blossoms 24 B, San Gwann, Malta, SGN2381 — indicating "Data Protection".

Cookies and Tracking Technologies

MaltaGuru uses cookies and similar technologies on both its Website and mobile app. For full details on the types of cookies used, their purpose and management options, please consult our Privacy Policy.

Analytics, Advertising and Behavioural Remarketing

To conduct remarketing and behavioural tracking, MaltaGuru uses tools provided by third-party service providers such as:

• Facebook Custom Audiences – Allows targeted advertisements to MaltaGuru users on Facebook. Users may opt out via Facebook settings.
• Google Analytics – Tracks and reports website traffic and behavioural data, which may be used to personalise ads across Google's network.
• Additional analytics and advertising tools may be used to measure performance, prevent fraud and improve platform functionality.

Third-Party Advertising

We may use third-party service providers to display advertisements that help support and maintain our Service.

Google AdSense DoubleClick Cookie: Google, as a third-party vendor, uses cookies to serve ads based on your visits to our Service and other websites. You may opt out at google.com/ads/preferences.

Bing Ads: You can opt out of Bing Ads personalised ads at Microsoft personalised ads.

Behavioural Remarketing – Opt-Out Options

MaltaGuru uses remarketing services to advertise on third-party websites after you have visited our Service. We and our vendors use cookies to inform, optimise and serve ads based on your previous visits.

• Google Ads: Opt out at google.com/settings/ads or install the Google Analytics Opt-out Add-on.
• Bing Ads Remarketing: Opt out at Microsoft personalised ads.
• Twitter Remarketing: Opt out at twitter.com/privacy.
• Facebook Remarketing: Opt out at Facebook ad preferences. Facebook participates in DAA, DAAC and EDAA self-regulatory frameworks.

Confidentiality and Security Measures

MaltaGuru guarantees that your personal data will be processed confidentially, maintaining the fullest duty of secrecy in accordance with applicable regulations. MaltaGuru periodically reviews and updates the technical and organisational security measures applied to its systems to prevent loss, alteration, misuse, unauthorised access or any other unlawful processing of your personal data.

Updates to Our Terms and Conditions

MaltaGuru reserves the right to amend this Privacy Policy at any time in order to adapt it to legislative changes or updates. All modifications will be published on both the Website and the mobile app. Users are encouraged to review this Policy regularly to stay informed about how their data is processed and protected.