This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
• Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Application refers to MobiNAB Business mobile application of North Africa Bank, the software program provided by the Company.
• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Masarat for IT and financial services, Tripoli, Libya.
• Country refers to: Libya
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• Personal Data is any information that relates to an identified or identifiable
• Service refers to the Application MobiNAB business.
• Service Provider means any natural or legal person who processes the data on behalf of the It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• Add friend refers to a feature allowing users to scan QR code to add a beneficiary to preform money transfer transactions to North Africa bank account holders and to other bank account holders in Libya.

You mean the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Information Collected while Using the Application

While using Our Application, in order to provide features of Our Application, We may collect, with Your prior permission:

• Information regarding your location
• Location access permission per session
• WebView
• Camera Access (QR Code payment)
• Network Access
• SMS Autofill

We use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Company’s servers and/or a Service Provider’s server or it may be simply stored on Your device.

You can enable or disable access to this information at any time, through Your Device settings.

By using this secure process, we can verify your identity while safeguarding your privacy.

Permissions and access control:

Camera Access

Our mobile banking app may request permission to access your device’s camera. This permission is solely for features that allow you to take pictures within the app, such as:

• QR code
• bank check depositز

We do not collect or store any camera data, including images or videos, on our servers. The images captured using the camera are used only for the specific functionality within the app and are not retained once the function is complete.

Granting Camera Permission

You are not required to grant camera permission to use the core functionalities of our mobile banking app. However, certain features may be unavailable without camera access. You can manage camera permissions for our app through your device settings.

Location Access Permission

We may request permission to access your device’s location. We understand the importance of location privacy, so we want to be transparent about how and why we request this permission.

There are two scenarios where we might use location data:

• For features that benefit from your location:
  • Providing location-based security
  • Providing closest Point of
  • Providing closest ATM branch.
• For improved

We are committed to protecting your privacy. Here’s what you should know:

• We will never collect or store your real-time location data on our
• We may use your location data anonymously to improve the app’s features and
• You are not required to grant location permission to use the core functionalities of our mobile banking app. However, certain features may be unavailable without location access.
• You can manage location permissions for our app through your device

We recommend you review your device’s location permissions for all apps to ensure you understand how your data is being used.

Remember: You can always revoke permission later through your device’s settings.

Use of Your Personal Data

We may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our
• To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered
• For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have

already purchased or enquired about unless You have opted not to receive such information.

• To manage Your requests: To attend and manage Your requests to
• For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
• For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
• With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

  The Company will retain Your Personal Data only for as long as is necessary for the purposes set   out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

While no online system is completely impenetrable, we implement robust security measures to protect your personal data. These measures include:

• Encryption: We encrypt your personal data in transit and at rest using industry- standard encryption protocols.
• Access Controls: We restrict access to your personal data to authorized personnel only.
• Regular Security Audits: We conduct regular security audits to identify and address any potential vulnerabilities.

In the unlikely event of a data breach, we will notify you promptly and take appropriate steps to mitigate the risk. We will also transparently communicate the nature of the breach and any recommended actions for you to take.

We are committed to transparency and user control. You have the right to access, update, or delete your personal data (subject to applicable laws). Please refer to the “Your Rights” section of this Privacy Policy for details.

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

We respect your control over your personal data. Depending on your location and applicable data protection laws, you may have certain rights regarding your personal data. These rights may include:

• Right to Access: You have the right to request a copy of the personal data we hold about This will allow you to know what data we have collected, why we have it, and with whom we share.
• Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal This means we can store your data but not use it further.
• Right to Data Portability: You have the right to request that we transfer your personal data to another organization, or to you, in a machine-readable
• Right to Object: You have the right to object to the processing of your personal data for certain purposes, such as direct marketing.

If you wish to exercise any of these rights, please contact us using the information provided in the “Contact Us” section below. We will respond to your request within a reasonable timeframe.

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

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

• By email: support@masarat.ly
• By phone number: 0900300900