Privacy Policy & Terms of Use

KEYPATH website — advisory and guidance through the mortgage process

⚖️ This document is a general draft intended to provide full transparency to visitors of the website. It does not constitute legal advice, and it is recommended to consult with a lawyer before its final publication — particularly in light of the fact that the personal and financial information collected is actually transferred to banks and financing entities, and may also be processed outside of Israel. It is important that this wording be reviewed and precisely adapted to the way information is actually handled, in accordance with the requirements of Amendment 13 to the Privacy Protection Law and the regulations on the transfer of information outside of Israel.

Privacy Policy

1. General

The KEYPATH website ("the Site") is operated by essam satel (a mortgage advisory practitioner, "we" / "the Company"). We respect your privacy and are committed to protecting the personal information you provide to us through the Site, in accordance with the Privacy Protection Law, 5741-1981, and Amendment 13 to the law, which came into effect in August 2025.

2. What Information We Collect

When you contact us through the contact form or complete the "Mortgage Application" questionnaire, we collect the details you provide of your own initiative, including:

Identifying details: full name, phone number, email address.
Financial and employment details for the purpose of reviewing the application: the purpose of the mortgage, details of the property or transaction, equity capital, requested amount, employment status, and, where necessary, details of an additional borrower.

We do not collect this information automatically or without your knowledge — it is provided by you voluntarily when filling out the forms on the Site.

3. Purposes for Which the Information Is Used

The information collected is used, first and foremost, for the purpose of: contacting you, an initial review of your eligibility for a mortgage and matching a suitable track, and providing professional advice throughout the mortgage process. We do not use the information for third-party marketing purposes, and we do not sell it.

In the application form, you are given a separate and explicit option (which is not a condition for submitting the application) to give your consent to receive professional information, updates, benefits and marketing offers from KEYPATH via SMS, WhatsApp, email and additional means of communication, in accordance with the Communications Law (Telecommunications and Broadcasting), 5742-1982 (Amendment 40). This consent may be withdrawn at any time, through any of the messages sent or by contacting us directly using the contact details appearing at the end of this document.

4. Disclosure of Information to Banks and Financing Entities

This is the core of the service we provide, and it is important to us that you understand it precisely: professional guidance vis-à-vis banks and financing entities for the purpose of examining the possibility of obtaining a mortgage, obtaining price quotes, and negotiating terms on your behalf. In order to actually provide this service, we transfer the personal and financial details you have provided — including identifying details, income data, existing liabilities and transaction details — to banks, non-bank credit entities and additional financing entities, to the extent required to advance your specific application.

The disclosure of information to these entities is carried out only after you contact us and in accordance with your needs, and constitutes a practical condition for providing advice and generating financing offers in practice — without transferring the details to banks, it is not actually possible to review your eligibility or obtain an offer for you. From the moment the information is transferred to a particular bank or financing entity, that entity becomes an independent controller of the information transferred to it, and is subject to its own privacy policy and procedures.

It is your responsibility to ensure that the details you provide to us are accurate and up to date, since they are used by the banks to actually review the application.

5. Transfer of Information to Technology Service Providers

In addition to the above, for the purpose of operating the application questionnaire itself, the Site uses external technological infrastructure services that process the details automatically on our behalf, including:

Make — an automation platform that receives the form data and routes it between the other services.
Anthropic (Claude) — an artificial intelligence model that produces an initial professional summary of the application for the advisor, in order to streamline the handling process.
Google (Docs and Gmail) — for the purpose of producing an organized PDF document of the application and sending it to the advisor's email inbox.
Netlify — the hosting company that runs the Site itself, to which every submission sent through it is transmitted.

These entities serve us solely as technical service providers for processing the information on our behalf, and are not permitted to make independent use of it for their own purposes.

6. Transfer of Information Outside of Israel

It is important that you know this clearly: some of the entities we work with — both the technological infrastructure providers detailed in the previous section (Make, Anthropic, Google, Netlify), and possibly also some of the banks or financing entities that operate with clients abroad — are international companies whose servers and systems may be located outside of Israel, including in the United States and the European Union. This means that your personal information may undergo storage, transmission and/or processing outside the borders of the country.

We work to engage only with entities that provide a reasonable level of protection for the information, in accordance with the principles of the Privacy Protection Regulations (Transfer of Information to Databases Outside the Borders of the State), 5761-2001. However, if you do not wish for your information to be transferred outside of Israel at all, it is recommended that you not provide details through the Site, and contact us directly by phone to discuss alternatives.

7. Cookies

As of today, the Site does not use cookies and does not include any tools for collecting information, tracking or analytics (such as Google Analytics or advertising pixels). The Site also does not store any information in your browser (localStorage). The fonts (Google Fonts) loaded on the Site are served directly from Google's servers and do not involve the placement of cookies.

If such tools are used in the future, this policy will be updated accordingly and you will be shown an appropriate notice or consent request.

8. Retention and Security of Information

Personal information is transmitted via an encrypted connection (HTTPS), and is retained only for the period required to handle your inquiry, manage the process with the banks, and document the professional guidance provided, unless otherwise required by law. The retention of information by banks and financing entities that received it from us is subject to their own retention policies, and is not within our control.

9. Your Rights

In accordance with the Privacy Protection Law, you have the right to review the information held about you, to request its correction, and to request its deletion (subject to any legal retention obligation). To exercise these rights, you may contact us using the details appearing at the end of this document. It is clarified that with regard to information that has already been transferred to a bank or financing entity, you must also contact that entity directly in parallel.

10. Minors

The Site is not intended for use by anyone who has not yet reached the age of 18.

11. Policy Updates

We may update this policy from time to time. The updated version will be published on this page.

Terms of Use

1. Agreement to the Terms

Browsing the Site and completing the forms on it constitute agreement to these terms of use. If you do not agree to the terms, please refrain from using the Site.

2. Nature of the Service

The Site provides general information about mortgage advisory services and enables the submission of an initial inquiry. Nothing on the Site, including the outputs of the application questionnaire, constitutes binding financial advice, a guarantee of mortgage approval, or a substitute for personalized professional advice. Binding and final advice will be given solely within the framework of a meeting or personal conversation with the licensed advisor.

3. Authorization to Act Before Banks and Financing Entities

By completing the application questionnaire and providing your details, you authorize KEYPATH to transfer the personal and financial details you have provided to banks, non-bank credit entities and additional financing entities, for the purpose of examining the possibility of obtaining a mortgage, obtaining price quotes and negotiating on your behalf with those entities, all as detailed in the privacy policy above. This authorization is a necessary condition for the provision of the service, and may be revoked at any time by contacting us in writing — such revocation shall not affect actions already taken prior to receipt of the revocation notice.

4. Intellectual Property

All content on the Site — including text, design, logo and trademarks — is the exclusive property of KEYPATH, and may not be copied, reproduced or used without prior written permission.

5. Acceptable Use

The Site may not be used for any unlawful purpose, and no scraping, automated collection of information, or any action liable to impair its proper functioning may be carried out on it.

6. Limitation of Liability

The Site and the information on it are presented "AS-IS." We are not liable for any direct or indirect damage that may be caused as a result of using the Site or relying on its content, except for advice given explicitly and personally by the advisor.

7. External Links

The Site may include links to third-party services (such as WhatsApp and social media). We have no control over the content of these sites and are not responsible for it.

8. Governing Law and Jurisdiction

These terms shall be governed solely by the laws of the State of Israel, and exclusive jurisdiction is granted to the competent courts in the Tel Aviv district.

9. Contact Us

For questions regarding the privacy policy, the terms of use, or to exercise your rights regarding the information provided, you may contact us:

This document was last updated in August 2026, and will be updated from time to time as needed.