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Privacy Policy for Mobimal

Privacy Policy of MobiMal

Last updated: 15 January, 2025

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use MobiMal mobile application . It explains Your privacy rights and how the law protects You. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with the initial letter capitalized have meanings defined under the following conditions. These definitions apply whether the terms appear in singular or plural forms.

Definitions

  • Account: A unique account created for You to access our Service or parts of our Service.
  • Affiliate: An entity that controls, is controlled by, or is under common control with a party. “Control” means ownership of 50% or more of voting shares or other managing authority.
  • Application: Refers to the Mobimal mobile application of National Commercial bank , the software program provided by the company Masarat.
  • Company: Masarat for IT and Financial Services, Tripoli, Libya (referred to as “We,” “Us,” or “Our”).
  • Country: Libya.
  • Device: Any device capable of accessing the Service, such as a computer, cellphone, or tablet.
  • Personal Data: Information that relates to an identified or identifiable individual.
  • Service: The Application.
  • Service Provider: A natural or legal person processing data on behalf of the Company.
  • Usage Data: Data collected automatically through the Service or Service infrastructure (e.g., duration of a page visit).
  • You: The individual accessing the Service or the entity on behalf of which such an individual accesses the Service.

Collecting and Using Your Personal Data

Types of Data Collected

  1. Personal Data:
    While using Our Service, We may collect personally identifiable information such as:
    • Email address
    • First and last name
    • Phone number
    • Usage Data
  2. Usage Data:
    Collected automatically and may include:
    • Device IP address
    • Browser type and version
    • Pages visited, date and time, and time spent
    • Unique device identifiers
    • Mobile device information (type, operating system, browser, etc.)
  3. Information Collected While Using the Application:
    With Your prior permission:
    • Camera Access: For QR code payments and direct cheque deposits.
    • Photo Library: To upload cheques via image picker.
    • Location Access: To find nearby ATMs/branches (optional).
    • Network Access: For app functionality.
    • SMS Autofill: For seamless login/verification.

Permissions and Access Control

Our app requires certain permissions to provide enhanced functionality:

  • Camera: For QR code scanning and cheque deposit.
  • Photo Library: To upload cheque images.
  • Location: Optional, for finding ATMs and branches.
  • Secure Login: Stores limited encrypted data locally.

Permissions can be enabled or disabled via device settings.

Compliance with ISO 27001

We adhere to ISO 27001 standards for information security management, including:

  • Access Control: Restricted access to data to authorized personnel only.
  • Encryption: Data encrypted in transit and at rest.
  • Regular Audits: Security controls are reviewed and updated regularly.
  • Incident Management: In case of a data breach, we will promptly notify affected users and take corrective action.

Data Retention and Transfer

We retain Personal Data only as necessary for legal and operational purposes. Data transfers outside Your jurisdiction comply with applicable data protection regulations and are safeguarded through encryption and contractual controls.

Security Measures

  • Data encryption
  • Secure transmission protocols (HTTPS)
  • Multi-factor authentication for administrative access
  • Regular penetration testing and vulnerability assessments

Children’s Privacy

Our Service is not intended for anyone under 18. If you believe a child has provided Personal Data, contact us at support@masarat.ly.

Your Rights

Depending on local regulations, You may have rights including:

  • Accessing, correcting, or updating Your data
  • Restricting or objecting to data processing
  • Data portability

To exercise these rights, contact support@masarat.ly.

Changes to This Privacy Policy

Updates will be posted here with a “Last updated” date. Significant changes will be communicated via email or app notifications.

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