1. The following terms, wherever they appear in this policy, have the meanings given next to each of them, as follows:
   1. the terms mentioned in the website terms and conditions shall have the same meanings in this policy.
   2. personal data: shall mean data that may lead to the identification of a person, directly or indirectly, including but not limited to: first name, last name or last name, saudi national id number, addresses, phone number, and bank account number.
2. Reference to “the company”, “we”, or “us”, individually and collectively, includes all branches that collect and use your personal data within the kingdom of saudi arabia.

The data we collect varies based on what it is used for, and the following are examples of the data we collect:

1. Data collected through application forms, questionnaires, or other documents or communications. such as, but not limited to, full name, date of birth, and id numbers.
2. Data about your transactions and products with us, such as account activity and use of the products.
3. Data collected through your use of our services, websites or mobile applications (such as http cookies.
4. Data exchanged as we communicate with you, such as customer service requests and visuals we receive from you either through our websites, mobile applications, social media accounts, or any channels we use to communicate with customers.

We collect and use personal data as required by the nature of the services and business, so we use personal data in accordance with, but not limited to, the following:

1. To comply with any obligations and requirements issued by legal and regulatory authorities within the kingdom of Saudi Arabia.
2. To allow us to provide products or services.
3. To protect you from fraud by conducting identity and credit checks or checking for no conflicts.
4. To improve our products and services and improve your experience of the services provided through our channels.
5. To understand your needs as a customer and your eligibility for products and services.
6. To allow us to provide products or services.

There is several contact points that help us collect personal data, including but not limited to:

1. When establishing the relationship and use the service: when you use our services, become a user and benefit from our products
2. Sharing information: when completing a form and upload it to our website, mobile applications, email, and social media posts, by calling the customer center or participating in promotions.
3. Interaction (social media): when interacting with any posts, interaction, or any communication you conduct directly with us on social media channels.
4. Browsing pattern: this is data about how you explore our website, the timing of your visit, your browser types, and how you were referred to our website.
5. Surveys: - online web surveys that enable us to gather opinions on topics relevant to our services. for example, what you like and don't like about the look and feel of our website and mobile apps. for the purposes of benefiting from your valuable feedback that enables us to improve the quality of the experience we provide to you.
6. data provided by you personally, your authorized agent, or your legal representative.
7. In legally acceptable cases, from third parties and public sources. including government agencies and the saudi credit information company

Your personal data shall be:

1. Kept for as long as necessary to achieve the purpose for which it was collected.
2. Kept inside kingdom of Saudi Arabia
3. Kept to meet any legal and regulatory requirements

We ensure that personal data is adequately protected by using the necessary physical, technical, administrative and procedural security measures and precautions to prevent unauthorized access, collection, use, disclosure, copying, modification or disposal, and we protect your data in a manner that is consistent with the relevant applicable personal data protection systems and regulations. in the kingdom of Saudi Arabia., with the company being free of any technical errors beyond the control of the company or one of its employees that may appear on the website and cause the leak of personal data.

1. We may share personal data with any of the parties listed below:
   1. Any court or any governmental or regulatory body to comply with any obligations and requirements issued by legal and regulatory bodies inside the kingdom of Saudi Arabia.
   2. Any debt collection agent, entity licensed to provide credit information service, or insurance company.
   3. The company or any associated service provider for the purpose of providing you with products or services, improving our products, services and your experience through our channels, and promoting new financial investment products and services that may be of interest to you.
2. You may be contacted and/or submitted notices to you via various channels such as sms, email and/or telephone regarding our products and services.

We reserve the right to amend this privacy policy at any time. the customer's continued use of the company's services after announcing changes to the privacy policy is considered acceptance of these changes

To improve our customers' experience, our websites use a standard technology called "cookies" to collect information about how you use our websites, which may include your personal data. the use of cookies is necessary for the operation of our websites.

If you have any questions, you can contact us through any of our branches, email, instant chat, social media or through our website and mobile application.

This privacy policy is not intended to create any contractual rights of any kind or any other legal rights, or create any financial obligations on the company in relation to any third party or on behalf of any party. when you log in to any third party’s websites, you will not this privacy policy applies. on those sites, we are not responsible for the content of any other party’s websites, and we do not represent any other party with whom you deal. so.