Terms of Use and Privacy Policy

1. About Andaz Andaz, available at andaz.app, is an independently operated real-estate platform for viewing property information and estimated valuations, organizing a property portfolio, and publishing listings. In these Terms, “Andaz,” “we,” and “platform management” refer to the management of this website. The property portfolio is a tool for organizing property data; it is not a bank account or a money-custody service. These Terms apply to your use of the platform together with the Privacy Policy. 2. Your Account and Its Security • Provide accurate information, use a phone number you control, and update your account details when they change. • You must have the legal capacity required to use the service or, where necessary, the consent of your legal representative. • Do not impersonate another person or use anyone else’s account without authorization. • Keep your password, verification codes, and recovery codes confidential, and contact us if you suspect unauthorized access. Phone verification confirms access to the number only. It does not prove property ownership, professional status, or the reliability of a listing. 3. Current Free Services and Possible Future Listing Fees All current platform services are free of charge from the platform. These include viewing prices, obtaining property valuations, managing a property portfolio, and publishing real-estate listings. No date has been set for this free access to end. We may introduce paid subscriptions or listing fees in the future. Before you select a paid service, we will clearly state its price, currency, billing period, features, applicable taxes, and renewal and cancellation terms. We will not charge retroactively for use that was free. Creating a free account or publishing a free listing does not, by itself, authorize a future subscription or charge. Any validity period assigned to a particular listing concerns only how long that listing remains visible; it does not set an end date for the platform’s free services. 4. Prices, Valuations, and Automated Results Prices, valuation ranges, comparisons, and AI-generated answers are informational estimates based on the available data and the inputs provided. They may be incomplete, outdated, or inaccurate. An asking price is not necessarily the price of a completed transaction, and an estimate is not a guaranteed sale price, a certified professional appraisal, or personalized financial or legal advice. Before selling, buying, renting, or investing, independently verify the property, its title documents, the parties’ authority, its condition, and the contractual terms. Consult a qualified professional when appropriate. Do not rely solely on a platform result when making a property decision. 5. Publishing and Updating Listings • List only a property that you own or are authorized to advertise. • Accurately state the property description, price, currency, availability, and contact method. • Use only images and text that you have the right to publish. • Do not publish another person’s identity documents or private information without a lawful reason and appropriate authority. • Update or withdraw a listing when its details change, the property is sold or rented, or it is no longer available. We may review listings, request corrections, refuse publication, or remove content that is misleading, unlawful, unauthorized, or contrary to these Terms. Review or publication does not guarantee ownership, property condition, listing reach, buyer interest, or completion of a transaction. 6. Content Rights and Permission to Use Content You retain your rights in the content you submit. You grant Andaz a non-exclusive permission to store, process, format, and display that content only as necessary to provide the services you request, including displaying a published listing and the contact details selected for it. This permission does not transfer ownership of your property or content to the platform. Other people may view or copy public content, and search engines may index it. Removing content from the platform does not guarantee removal of copies already retained by others. The Privacy Policy explains how retained records are handled. 7. Acceptable Use You must not use the platform for fraud, impersonation, unlawful advertising, harassment, infringement of others’ rights, spam, or malicious software. Do not bypass security controls, access another person’s private records, disrupt the service, or extract personal data without authorization. Use information obtained through the platform lawfully and respect each person’s communication preferences. 8. Property Transactions and External Services A property transaction takes place between the relevant parties. Providing a listing or contact method does not make Andaz a party to the transaction, a service that holds the purchase funds, or a guarantor for any party. The platform does not receive the purchase price or legally transfer property ownership. Verify authority and contractual documents before transferring money or entering into an agreement. WhatsApp links and other external services lead to services governed by their own terms and privacy practices. 9. Account Restriction and Closure We may restrict an account or listing when reasonably necessary to address a security risk, suspected fraud, unlawful activity, or a breach of these Terms. Where appropriate and legally permitted, we will explain the reason. You may request a review through support. You may stop using the platform and request account closure or deletion through the available account options or support. The effect of that request on your data is explained under “Information Retention and Deletion.” 10. Service Availability and Liability We aim to provide a reliable service and correct reported errors, but maintenance, technical failures, external service providers, or changing data may affect availability and results. We do not guarantee uninterrupted access, a particular property price, or a particular transaction outcome. Liability for any claim is determined by the applicable law and the circumstances of the claim. These Terms do not exclude mandatory consumer rights or any liability that cannot legally be excluded. 11. Updates to These Terms We may update these Terms as the service evolves and will state the date of the latest revision. We will announce material changes—especially the introduction of listing fees—before they take effect and will request your consent where required. These Terms do not replace any mandatory legal provisions applicable to your use or to a dispute. The Kurdish, English, and Arabic versions are intended to convey the same meaning; please notify us of any discrepancy.

1. The Party Responsible for Your Information Andaz, at andaz.app, is an independently operated real-estate platform. Andaz management is the responsible contact for information processed through this platform. This Policy explains how we handle your information when you browse, create an account, organize your portfolio, request a valuation, publish a listing, or contact us. 2. Information You Provide Depending on the services you use, we handle: • Account and profile data: your phone number, display name, sign-in details, verification status, preferred language, and optional information such as your email address, photo, area, date of birth, gender, and purpose of use. • Property and portfolio data: the location or area, property type, size, rooms, images, notes, and any purchase price, purchase date, ownership share, or occupancy status you choose to enter. • Listings and inquiries: the description, asking price, currency, availability, selected contact details, and materials you submit for publication or as part of a property inquiry. • Support and assistant data: messages, requests, and any conversation content or property context you choose to provide to an assistant available on the platform. Provide only the information needed for the service you use. Do not place passwords, verification codes, unnecessary identity documents, or another person’s private information in a listing or conversation. 3. Technical Data, Cookies, and Preferences The platform and hosting infrastructure may process IP addresses, browser and device information, session identifiers, request times, security events, and error logs. We also retain records of account actions and consent choices; some evidence in these records uses hashed technical identifiers. Cookies and similar storage support sign-in, security, language, and interface preferences. Blocking essential cookies may prevent sign-in or other functions. If you consent to optional marketing-activity logging, your searches, filters, viewed projects or areas, and property interests may be linked to your account. Sharing assistant activity for marketing is a separate choice from using the assistant itself. 4. Why We Use Information We use information to: • operate and protect accounts; • send verification and account messages; • provide requested valuations and portfolio tools; • display and review listings and respond to inquiries; • investigate misuse and correct faults; and • comply with applicable legal obligations. Optional marketing communications, marketing-activity logging, sharing contact information with participating companies, and AI processing are each governed by the choices or permissions specific to the relevant service. Accepting the Terms of Use or receiving a verification message does not, by itself, mean that you consent to every marketing purpose or optional data sharing. 5. Public Information and Sharing Contact Details Published listing information—including approved images, the description, and the phone number or contact method selected for publication—may be available to visitors and may be copied or indexed outside the platform. Saving a property in your portfolio does not, by itself, make it a public listing. Authorized administrators may access information when necessary for support, review, security, and operation. Sharing the contact details associated with your account with a participating company depends on the relevant contact permission. A phone number that you place in a public listing is a separate public disclosure. Withdrawing permission prevents later sharing through the relevant feature, but it cannot retrieve information already received by others. 6. Service Providers and External Services Hosting and technical service providers process the information needed to operate the website. WhatsApp verification relies on Bird and WhatsApp; the recipient’s number, verification message, and associated delivery information pass through these services. When you contact support by WhatsApp or email, the relevant communications providers also process that correspondence. If an AI feature is enabled and you consent to its processing, the approved provider may receive your message and the context required to answer it. If external maps or other embedded services are enabled, their providers may receive technical request data, such as your IP address and the area requested on the map. External services have privacy policies governing their own activities. We may also disclose information when required by applicable law or when responding lawfully to fraud, a security incident, or a legal claim. 7. Where Information Is Processed Hosting, communications, and other service providers may process information outside Iraq or the Kurdistan Region. The processing location depends on the providers and service settings, and we do not promise that all information will remain in one country. When using these services, we consider applicable access controls and arrangements with providers. 8. Information Retention and Deletion Retention periods depend on the type of information and why it is needed, including providing the account and requested services, handling complaints, protecting the platform, and meeting legal requirements. The period may therefore vary among record types. An account-deletion request is logged for review and does not immediately erase the account or every related record. Some consent, security, review, or dispute records may need to be retained, and backup copies may remain until they are replaced or deleted in the backup cycle. Removing a listing or archiving a conversation does not necessarily delete every underlying record. You may contact us to ask what can be deleted in your case and why any necessary information must be retained. 9. Your Choices and Requests You may use the available account settings to update your information and manage the consent choices shown there. You may also request access to or correction of your information, account closure or deletion, and withdrawal of optional permissions. Before disclosing or changing information, we may need to verify that the request came from the account owner. Withdrawal of consent applies to later optional processing. It does not automatically erase earlier consent records or information previously shared lawfully. Refusing information required for a particular service may prevent that service from working. We will explain any limits that apply to your request. These choices do not reduce any rights granted by applicable law. 10. Protecting Information We use technical and organizational measures appropriate to the platform, including access controls and account security. No online service can guarantee absolute protection. Keep sign-in and recovery information confidential, report suspected misuse of your account, and avoid placing confidential information in public content. 11. Younger Users and Other People’s Data Use of the platform must satisfy applicable legal-capacity requirements. We do not ask users to publish children’s information. If you believe a child or another person has provided personal information without the required authority, contact us so that we can review the matter and take appropriate action. 12. Updates to This Policy We will update this Policy when our actual data-processing practices change and will state the revision date. We will draw users’ attention to material changes through the website or another appropriate method and request additional consent where required. Contact Information For support, privacy inquiries, corrections, complaints, deletion requests, or review of a decision concerning an account or listing, contact Andaz management: • Email: info@mulkwallet.com • Support via WhatsApp: +964 750 421 4000 • Website: https://andaz.app Do not send your password, verification code, or recovery code to support.