Privacy Policy

1. Information We Collect

Depending on the services you use, we may collect:

• Full name
• Mobile phone number
• Email address (if provided)
• Customer account information
• Transaction history
• Wallet balance and payment records
• Device information (such as device model and operating system)
• IP address
• App usage and diagnostic information

If you choose to use biometric authentication provided by your device (such as fingerprint or Face ID), the biometric data is processed by your device's operating system. AQSA PAY does not collect or store your fingerprint or facial biometric data.

2. How We Use Your Information

We use your information to:

• Verify your identity
• Authenticate your account
• Process payments and transactions
• Manage your AQSA PAY wallet
• Provide customer support
• Improve application performance
• Detect fraud and unauthorized activities
• Comply with legal and regulatory requirements

3. Account Requirement

AQSA PAY is intended only for customers who have a registered account in the AQSA Exchange (Sarafi) Management System. Access to certain services requires authentication using your registered credentials.

4. Information Sharing

We do not sell your personal information.

We may share information only:

• With authorized AQSA GROUP systems and services
• When required by applicable laws or legal authorities
• To prevent fraud, financial crime, or unauthorized access
• With trusted service providers who assist in operating our services under appropriate confidentiality obligations

5. Data Security

We implement reasonable administrative, technical, and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction.

Although we strive to protect your information, no method of electronic transmission or storage is completely secure.

6. Data Retention

We retain personal and transaction information only for as long as necessary to:

• Provide our services
• Maintain customer accounts
• Comply with legal, regulatory, accounting, and auditing obligations
• Resolve disputes and enforce our agreements

7. Your Rights

Depending on applicable laws, you may have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of eligible information
• Update your account information
• Contact us regarding privacy concerns

Some information may be retained where required by applicable financial or legal obligations.

8. Children's Privacy

AQSA PAY is not intended for children under the age required by applicable law. We do not knowingly collect personal information from children.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with an updated Effective Date.

10. Contact Us

If you have any questions regarding this Privacy Policy or our privacy practices, please contact us.