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Musrefy Pay Privacy Policy

This Privacy Policy describes how Masarat IT & Financial Services Company (“Masarat”), on behalf of Jumhouria Bank (“Jumhouria”), collects, uses, and discloses information in connection with your use of the Musrefy Pay mobile application (“App”).

Information We Collect

We collect information to enable a smooth and secure experience while using Musrefy Pay for your Jumhouria Bank transactions. This information includes:

  • Location Information (Optional): We may request your location information to provide features like finding nearby ATMs or Jumhouria Bank branches (requires your permission).
  • Device Information: Basic information about your device, such as model and operating system, helps us understand how the App functions on different devices.
  • App Usage Data: We analyze how you use the App to improve its performance and functionality (e.g., frequency of features used).
  • No Personal Information Storage: We do not store any sensitive personal information like account credentials, social security numbers, or complete debit/credit card details within the App.

App Permissions

Musrefy Pay requires certain permissions to function properly. These permissions allow access to specific functionalities but do not collect your personal information:

  • Location (Optional): Allows you to find nearby ATMs or branches (requires your permission).
  • Internet: Enables communication between the App and Jumhouria Bank’s servers for transactions.
  • Stay Awake: Ensures the App functions smoothly during transactions (e.g., preventing screen dimming).
  • Network Connection: Checks your internet connectivity for functionalities requiring it.
  • Notifications: Allows the App to send you alerts about your account activity and updates.
  • Camera: Enables scanning QR codes for faster transactions (requires your permission).
  • Flashlight: Allows using the flashlight for QR code scanning in low-light conditions (requires your permission).
  • Vibration: Alerts you with a vibration for notifications.

Sharing Your Information

We share your information only with Jumhouria Bank to process your transactions and ensure account security. We do not share your information with any third-party vendors or for any marketing purposes.


Masarat and Jumhouria Bank are committed to protecting your financial information. We use industry-standard security measures to safeguard your data, including:

  • Secure communication channels (HTTPS) for encrypted data transfer between your device and Jumhouria Bank’s servers.
  • Data encryption at rest and in transit for additional protection.
  • Regular security assessments to identify and address potential vulnerabilities.

Your Control

You can manage your App permissions through your device settings. Opting out of optional permissions like location won’t affect core functionalities but may limit some features.

Children’s Privacy

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

Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or comply with legal requirements. We will notify you of any significant changes.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

  • By email:
  • By phone number: 0900300900

We are committed to transparency and user privacy. By using Musrefy Pay, you agree to the terms of this Privacy Policy.