This Privacy Policy describes how Masarat IT & Financial Services Company (“Masarat”), on behalf of Jumhouria Bank (“Jumhouria”), collects, uses, and protects your information in connection with the Musrefy Pay mobile application (“App”). By using the App, you agree to the terms of this Privacy Policy.

We collect and process information to provide you with a smooth, secure, and efficient experience while using Musrefy Pay. The types of data collected include:

1. Location Information (Optional)

• Purpose: To locate nearby ATMs or Jumhouria Bank branches.
• Collection: Enabled only with your explicit permission.

2. Device Information

• Purpose: To ensure compatibility with your device and improve app performance.
• Examples: Device model, operating system version.

3. App Usage Data

• Purpose: To analyze how you use the App for functionality and security enhancements.
• Examples: IP address, unique device identifiers, session durations, and error logs.

4. External Storage Access

• Purpose: To read and display PDF files (e.g., transfer receipts, statements).
• No personal or sensitive data is stored or transmitted outside of the App.

Musrefy Pay requires the following permissions for its features. All permissions comply with ISO 27001 standards for information security:

• Location (Optional): To find nearby ATMs or branches.
• Internet: For secure communication with Jumhouria Bank servers.
• NFC: To enable contactless payments.
• External Storage Access: To display PDF files like transfer receipts (requires user consent).
• Camera: To scan QR codes for transactions (requires user consent).
• Flashlight: To improve QR code scanning in low-light conditions.
• Vibration: To provide haptic feedback for notifications.
• Notifications: To inform you of account activities and updates.

We do not collect sensitive personal data such as account credentials, full payment card details, or social security numbers.

We only share your information with Jumhouria Bank for transaction processing and account security.

• No third-party vendors have access to your data.
• We do not use your information for marketing purposes.

• Permission Management: You can manage app permissions through your device’s settings. Revoking permissions may limit certain features but will not affect core functionalities.
• Access Requests: You may contact us to request access to your data, subject to legal and regulatory requirements.

Musrefy Pay is not intended for children under the age of 18. We do not knowingly collect personal information from children.

Masarat follows ISO 27001:2022 standards for information security. This includes maintaining a robust Information Security Management System (ISMS) to protect your data from unauthorized access, breaches, and misuse.

We may revise this Privacy Policy periodically to comply with updated regulations and practices. You will be notified of significant changes through the App or other appropriate channels.

For any questions or concerns about this Privacy Policy, please contact us:

• Email: support@masarat.ly
• Phone: 0900300900