Privacy Policy

Privacy Policy for AlinmaPay E-Wallet

Privacy Policy:

This Privacy Policy details how the Saudi Financial Technology Company (referred to as "SFTC," "Clickpay," or "AlinmaPay") collects, uses, and discloses personal information when you use our service, "AlinmaPay," in accordance with the applicable laws of the Kingdom of Saudi Arabia.

Definitions:

1. Affiliate: Any entity in which Saudi Financial Technology Company within the Kingdom of Saudi Arabia.
2. Personal Information: Any data that can be used to identify an individual, including but not limited to, name, email address, contact details, and location data.
3. Data Subject: An individual who can be identified, directly or indirectly, by reference to personal information.
4. Data Controller: The entity responsible for determining the purposes and means of processing personal information.
5. Data Processor: The entity that processes personal information on behalf of the Data Controller.
6. Consent: The freely given, specific, informed, and unambiguous indication of the Data Subject's agreement to the processing of their personal information.
7. Processing: Any operation or set of operations performed on personal information, whether by automated means or otherwise, such as collection, recording, organization, structuring, storage, adaptation, alteration, retrieval, consultation, use, disclosure by transmission, dissemination, or otherwise making available, alignment or combination, restriction, or erasure.
8. Lawful Basis: The legal grounds upon which personal information may be processed under applicable data protection laws.
9. Data Retention: The period during which personal information is stored or maintained by the Data Controller or Data Processor.
10. Third Party: Any individual or entity other than the Data Subject, Data Controller, Data Processor, or persons authorized to process personal information under the direct authority of the Data Controller or Data Processor.

Scope:

This policy applies to all personal information collected, processed, and stored by SFTC, whether online or offline. This includes data collected through our website, mobile applications, social media channels, customer service interactions, and other relevant means. By using our services, you consent to the collection and use of your personal information as described in this policy.

Personal Information We Collect:

We may collect the following types of information to enhance the performance of our services:

• Device Information: Information regarding the device used to access our services, including hardware model, operating system version, unique device identifiers, and mobile network data.
• Transaction Information: Details of transactions and products used, including account activity and product usage.
• Usage Information: Data related to how you interact with our services, such as the features you utilize, the pages you visit, and the actions you undertake.
• Location Information: Data concerning your location within our services, which helps us enhance service performance.
• Information You Provide: Personal information you provide to us, such as your name, email address, and other contact details through our websites, mobile apps, social media channels, or other communication channels.
• Data from Partner Schemes: Information collected from partner schemes that enables us to improve our services.

How We Use Your Information:

The information we collect may be used for the following purposes:

• To provide and enhance our services.
• To respond to your inquiries and requests.
• To communicate with you regarding our services, related products, and offers.
• To personalize your experience within our services.
• To analyze and improve our business operations and AlinmaPay services.
• To enforce our Terms of Service and comply with legal and regulatory requirements in the Kingdom of Saudi Arabia.
• To protect you against fraud by conducting identity, credit, and conflict checks.
• To promote new products and services that may be of interest to you.

How We Share Your Information:

Your information may be shared with third parties under the following circumstances:

• With your consent.
• With our service providers who perform services on our behalf, such as hosting, data analysis, and customer service.
• To comply with applicable laws, regulations, or legal processes.
• To protect our rights, property, or safety, or the rights, property, or safety of others.
• In connection with a merger, acquisition, or sale of all or part of our assets.

Your Choices:

You have the option not to provide certain information; however, this may limit your ability to use certain features or services. You may also opt out of receiving communications from us by following instructions provided by our customer support channels.

Security and Confidentiality:

We take reasonable measures to safeguard your information from unauthorized access, use, or disclosure. However, please be aware that no method of data transmission or storage is entirely secure.

Personal Data Storage:

We are committed to the privacy and security of your data. Accordingly, we:

• Store your personal information securely on servers located within Saudi Arabia.
• Implement technical and organizational measures to protect your data from unauthorized access, use, or disclosure.
• Regularly review and update our security practices to ensure the ongoing integrity and confidentiality of your data.
• Retain your data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws.

While we take all reasonable precautions to protect your data, the internet is inherently insecure.

Use of Cookies:

To enhance your experience, our websites utilize "Cookies" to collect data on how our websites are used. The use of cookies is essential for the operation of our services.

Data Retention:

We will retain your information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will delete it from our systems or anonymize it so that it can no longer be associated with you. You have the right to request the deletion of your information unless we are required by law or have a legitimate business reason to retain it. Please note that deletion of your information may affect your ability to use certain features of the service, and once deleted, we may not be able to restore it.

Compliance with Legal Requirements in the Kingdom of Saudi Arabia:

SFTC is committed to adhering to the legal data regulations of Saudi Arabia, including the National Data Management Office (NDMO) Personal Data Protection Law (PDPL) guidelines. This section outlines our compliance with these regulations in the collection, use, and protection of personal data.

Lawful Basis for Processing Personal Data:

We process personal data only when it is legally permissible under the PDPL, including:

• Consent: Obtaining explicit consent from you before processing your personal data.
• Contractual Necessity: Processing personal data as necessary to fulfill our contractual obligations.
• Legal Obligation: Processing personal data to comply with legal obligations imposed on us.
• Legitimate Interests: Processing personal data based on our legitimate interests, provided that such processing does not infringe on your rights and freedoms.

Rights of Data Subjects:

As a data subject, you are entitled to certain rights under the PDPL, including:

• Right to Access: The right to request access to the personal data we hold about you.
• Right to Erasure: The right to request the deletion of your personal data under specific circumstances.
• Right to Correct Personal Data: The right to request corrections to the personal data we hold about you.
• Right to Withdraw Consent: The right to withdraw your consent at any time if consent is the lawful basis for processing your personal data.
• Right to Data Portability: The right to request the transfer of your personal data to another entity.

To exercise your rights under the PDPL, please contact our customer support team. We will respond to your request within 30 days, with the option to extend the period by an additional 30 days if necessary due to the complexity of your request or if multiple requests are received.

Disclosure of Your Personal Data:

We may share your personal data with recipients located within Saudi Arabia in accordance with the NDMO Personal Data Protection Law. We ensure that appropriate safeguards are in place to protect your data in accordance with the requirements of the NDMO. Recipients may include:

• Courts, regulatory bodies, and government authorities to comply with legal obligations and requirements.
• Debt collection agencies, credit bureaus, and insurers.
• Members of the Saudi Financial Technology Company, or their service providers, for providing you with products or services, enhancing your experience, and promoting new financial products and services.

By accepting this policy, you consent to receive notifications through various channels such as SMS, push notifications, WhatsApp, email, and phone regarding our products and services.

Changes to this Privacy Policy:

We may update this Privacy Policy from time to time. Should there be any significant changes, we will notify you via SMS or by posting a notice within the application.

Contact Information:

For any inquiries, please contact us via email, chat, social media, or through our websites and applications.

Effective Date:

This Privacy Policy is effective as of OCT 2024.

Disclaimer:

This Privacy Policy does not create any contractual or legal rights or obligations for any party. When accessing third-party websites, this Privacy Policy does not apply. We are not responsible for the content of third-party websites and recommend reviewing the privacy and security policies of any external sites you visit.

Call us:

If you have any questions, you can contact us through email, live chat, social media or through our website and mobile app.