{"id":12926,"date":"2022-03-08T08:23:59","date_gmt":"2022-03-08T08:23:59","guid":{"rendered":"https:\/\/masarat.ly\/?page_id=12926"},"modified":"2025-08-13T11:46:51","modified_gmt":"2025-08-13T11:46:51","slug":"ncb-business-privacypolicy","status":"publish","type":"page","link":"https:\/\/masarat.ly\/ncb-business-privacypolicy\/","title":{"rendered":"NCB Business Privacy Policy"},"content":{"rendered":"<ul>\n<li>\n<h3>Privacy Policy<\/h3>\n<p>Effective Date 13\/08\/2025<\/p>\n<div>\n<p><span>Masarat for IT and Financial Services (\u201cMasarat\u201d), located in Tripoli, Libya, is committed to protecting the privacy of Our users. This Privacy Policy explains how We collect, use, disclose, and protect information when You use Our mobile banking application,\u00a0<strong>NCB Business<\/strong>\u00a0(the \u201cApp\u201d), a product provided by Masarat for NCB Bank in Libya.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Introduction<\/h3>\n<div>\n<p><span>NCB Business provides secure and efficient banking services, including fund transfers, bill payments, and business transactions. The app enables customers to manage their accounts seamlessly while ensuring high security and compliance with Libyan banking regulations. Additionally,\u00a0<strong>LYPay B2B<\/strong>\u00a0is integrated into the app, offering businesses a secure and efficient way to handle payments, manage transactions, and streamline financial operations.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Interpretation and Definitions<\/h3>\n<div>\n<p><strong><span>Interpretation<\/span><\/strong><\/p>\n<p><span>Words with capitalized initials have defined meanings. These definitions apply regardless of whether the words appear in singular or plural form.<\/span><\/p>\n<p><strong><span>Definitions<\/span><\/strong><\/p>\n<p><span>For the purposes of this Privacy Policy:<\/span><\/p>\n<ul>\n<li><strong><span>Account<\/span><\/strong><span>\u00a0refers to a unique profile created to access Our Service.<\/span><\/li>\n<li><strong><span>Affiliate<\/span><\/strong><span>\u00a0means an entity that controls, is controlled by, or is under common control with Us.<\/span><\/li>\n<li><strong><span>Application<\/span><\/strong><span>\u00a0refers to the\u00a0<strong>NCB Business<\/strong>\u00a0mobile application.<\/span><\/li>\n<li><strong><span>Company<\/span><\/strong><span>\u00a0(referred to as \u201cWe,\u201d \u201cUs,\u201d or \u201cOur\u201d) means\u00a0<strong>Masarat for IT and Financial Services<\/strong>, Tripoli, Libya.<\/span><\/li>\n<li><strong><span>Country<\/span><\/strong><span>\u00a0refers to Libya.<\/span><\/li>\n<li><strong><span>Device<\/span><\/strong><span>\u00a0means any device capable of accessing the Service, including computers, smartphones, and tablets.<\/span><\/li>\n<li><strong><span>LYD (LY)<\/span><\/strong><span>\u00a0refers to the Libyan Dinar, the official currency of Libya.<\/span><\/li>\n<li><strong><span>Personal Data<\/span><\/strong><span>\u00a0refers to any information related to an identified or identifiable individual.<\/span><\/li>\n<li><strong><span>Service<\/span><\/strong><span>\u00a0refers to the Application and associated functionalities.<\/span><\/li>\n<li><strong><span>Service Provider<\/span><\/strong><span>\u00a0means third parties engaged to process data on Our behalf.<\/span><\/li>\n<li><strong><span>Usage Data<\/span><\/strong><span>\u00a0refers to data collected automatically when using the Service.<\/span><\/li>\n<li><strong><span>You<\/span><\/strong><span>\u00a0refers to the individual or entity accessing the Service.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li>\n<h3>Collection and Use of Your Personal Data<\/h3>\n<div>\n<p><strong><span>Types of Data Collected<\/span><\/strong><\/p>\n<p><strong><span>Personal Data<\/span><\/strong><\/p>\n<p><span>We may collect the following personally identifiable information:<\/span><\/p>\n<ul>\n<li><span>Email address<\/span><\/li>\n<li><span>First and last name<\/span><\/li>\n<li><span>Phone number<\/span><\/li>\n<li><span>Usage Data<\/span><\/li>\n<\/ul>\n<p><strong><span>Usage Data<\/span><\/strong><\/p>\n<p><span>Usage Data is collected automatically and may include:<\/span><\/p>\n<ul>\n<li><span>IP address<\/span><\/li>\n<li><span>Browser type and version<\/span><\/li>\n<li><span>Pages visited, visit duration, and other analytics<\/span><\/li>\n<li><span>Device type and identifiers<\/span><\/li>\n<li><span>Mobile operating system details<\/span><\/li>\n<\/ul>\n<p><strong><span>Information Collected While Using the Application<\/span><\/strong><\/p>\n<p><span>With Your permission, We may collect:<\/span><\/p>\n<ul>\n<li><strong><span>Location Data:<\/span><\/strong><span>\u00a0To help users locate the nearest bank branches.<\/span><\/li>\n<li><strong><span>Camera Access:<\/span><\/strong><span>\u00a0For QR code-based payments (images not stored).<\/span><\/li>\n<li><strong><span>Network Access:<\/span><\/strong><span>\u00a0Required for transaction processing.<\/span><\/li>\n<li><strong><span>Storage Access:<\/span><\/strong><span>\u00a0To save settings and preferences.<\/span><\/li>\n<li><strong><span>Biometric Data (Optional):<\/span><\/strong><span>\u00a0For secure login via fingerprint or facial recognition.<\/span><\/li>\n<li><strong><span>Push Notifications:<\/span><\/strong><span>\u00a0To alert You about account activity and security updates.<\/span><\/li>\n<li><strong><span>Phone Call Access:<\/span><\/strong><span>\u00a0To enable direct communication with customer support.<\/span><\/li>\n<li><strong><span>Access to Photos and Media: <\/span><\/strong><span>Our app may request access to your device\u2019s photo library or media storage to allow you to select and upload images of cheques for mobile deposit. We will only access the specific images you choose to share. The app does not browse, scan, or collect your entire photo library. Uploaded cheque images are transmitted securely, stored in encrypted form on our servers as part of your transaction records, and retained only for as long as necessary to process the deposit or comply with legal and regulatory requirements. Granting this permission is optional; however, mobile deposit features will not function\u00a0without\u00a0it.<\/span><\/li>\n<\/ul>\n<p><span>You can enable or disable access to these features at any time via Your device settings.<\/span><\/p>\n<p><strong><span>Money Transfer &amp; Business Transactions<\/span><\/strong><\/p>\n<p><span>To facilitate secure transactions, We may collect:<\/span><\/p>\n<ul>\n<li><strong><span>Sender Information:<\/span><\/strong><span>\u00a0Name, phone number, email.<\/span><\/li>\n<li><strong><span>Recipient Information:<\/span><\/strong><span>\u00a0Name, IBAN.<\/span><\/li>\n<li><strong><span>Transaction Details:<\/span><\/strong><span>\u00a0Amount, currency, reference.<\/span><\/li>\n<li><strong><span>Business Transfers:<\/span><\/strong><span>\u00a0For business transactions, We comply with enhanced security measures, including transaction monitoring and identity verification.<\/span><\/li>\n<\/ul>\n<p><strong><span>Use of Your Information:<\/span><\/strong><\/p>\n<ul>\n<li><span>Process transactions securely.<\/span><\/li>\n<li><span>Verify identity and prevent fraud.<\/span><\/li>\n<li><span>Provide customer support.<\/span><\/li>\n<li><span>Comply with regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.<\/span><\/li>\n<\/ul>\n<p><strong><span>Information Sharing:<\/span><\/strong><\/p>\n<ul>\n<li><strong><span>Third-Party Service Providers<\/span><\/strong><span>\u00a0(e.g., payment processors, fraud prevention tools).<\/span><\/li>\n<li><strong><span>Regulatory Authorities<\/span><\/strong><span>\u00a0(as required by financial regulations in Libya).<\/span><\/li>\n<\/ul>\n<p><strong><span>Security Measures:<\/span><\/strong><\/p>\n<p><span>We implement safeguards such as:<\/span><\/p>\n<ul>\n<li><strong><span>Encryption:<\/span><\/strong><span>\u00a0Data is encrypted in transit and at rest.<\/span><\/li>\n<li><strong><span>Access Controls:<\/span><\/strong><span>\u00a0Role-based access restrictions.<\/span><\/li>\n<li><strong><span>Regular Security Audits:<\/span><\/strong><span>\u00a0We conduct periodic assessments to identify vulnerabilities.<\/span><\/li>\n<li><strong><span>Incident Response:<\/span><\/strong><span>\u00a0A structured process for managing security breaches.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/li>\n<li>\n<h3>ISO 27001 Compliance &#038; Security<\/h3>\n<div>\n<p><span>Masarat adheres to\u00a0<strong>ISO 27001:2022<\/strong>\u00a0and the\u00a0<strong>Libyan NISSA Information Security Manual<\/strong>\u00a0to ensure the confidentiality, integrity, and availability of information. Our security framework includes:<\/span><\/p>\n<ul>\n<li><strong><span>Risk Management:<\/span><\/strong><span>\u00a0Continuous risk assessment to identify security threats.<\/span><\/li>\n<li><strong><span>Data Encryption:<\/span><\/strong><span>\u00a0Advanced encryption techniques for securing transactions.<\/span><\/li>\n<li><strong><span>Incident Handling:<\/span><\/strong><span>\u00a0Procedures for rapid detection and response to security breaches.<\/span><\/li>\n<li><strong><span>Compliance Monitoring:<\/span><\/strong><span>\u00a0Regular audits to ensure adherence to Libyan financial regulations and global security standards.<\/span><\/li>\n<\/ul>\n<p><span>In the event of a security incident, We will promptly notify affected users and relevant authorities, as per regulatory requirements.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Data Retention<\/h3>\n<div>\n<p><span>We retain Personal Data only as long as necessary for:<\/span><\/p>\n<ul>\n<li><span>Service provision and legal compliance.<\/span><\/li>\n<li><span>Fraud prevention and dispute resolution.<\/span><\/li>\n<li><span>Business analytics and service improvement.<\/span><\/li>\n<\/ul>\n<p><span>Usage Data may be retained for a shorter period unless required for security or legal compliance.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Children\u2019s Privacy<\/h3>\n<div>\n<p><span>Our Service is not intended for individuals under\u00a0<strong>18<\/strong>. We do not knowingly collect data from minors. If You are a parent or guardian and believe Your child has provided Personal Data, please contact Us for removal.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Your Rights<\/h3>\n<div>\n<p><span>Depending on Your location and applicable laws, You may have the right to:<\/span><\/p>\n<ul>\n<li><strong><span>Access Your Data:<\/span><\/strong><span>\u00a0Request a copy of the information We hold.<\/span><\/li>\n<li><strong><span>Correct Inaccuracies:<\/span><\/strong><span>\u00a0Update incorrect information.<\/span><\/li>\n<li><strong><span>Restrict Processing:<\/span><\/strong><span>\u00a0Limit how We use Your data.<\/span><\/li>\n<li><strong><span>Data Portability:<\/span><\/strong><span>\u00a0Transfer Your data to another provider.<\/span><\/li>\n<li><strong><span>Object to Processing:<\/span><\/strong><span>\u00a0Opt-out of certain uses, such as marketing.<\/span><\/li>\n<\/ul>\n<p><span>To exercise these rights, contact Us via the details below.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Third-Party Links<\/h3>\n<div>\n<p><span>Our Service may contain links to external websites. We are not responsible for their content or privacy practices. Please review their policies before providing Personal Data.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Changes to This Privacy Policy<\/h3>\n<div>\n<p><span>We may update this Privacy Policy from time to time. Changes will be notified via email or a prominent notice on Our Service. Please review this policy periodically for updates.<\/span><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Contact Us<\/h3>\n<div>\n<p><span>For any questions regarding this Privacy Policy, You can contact Us at:<\/span><\/p>\n<ul>\n<li><strong><span>Email:<\/span><\/strong><span>\u00a0<a href=\"mailto:support@masarat.ly\">support@masarat.ly<\/a><\/span><\/li>\n<li><strong><span>Phone:<\/span><\/strong><span>\u00a00900300900<\/span><\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul>\n<p><!--more--><br \/>\n<!-- {\"type\":\"layout\",\"children\":[{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"style\":\"default\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"grid\",\"props\":{\"content_column_breakpoint\":\"m\",\"css\":\".uk-grid{direction:ltr;}\",\"filter_align\":\"left\",\"filter_all\":true,\"filter_grid_breakpoint\":\"m\",\"filter_grid_width\":\"auto\",\"filter_position\":\"top\",\"filter_style\":\"tab\",\"grid_default\":\"1\",\"grid_medium\":\"\",\"icon_width\":80,\"image_align\":\"top\",\"image_grid_breakpoint\":\"m\",\"image_grid_width\":\"1-2\",\"image_svg_color\":\"emphasis\",\"item_animation\":true,\"lightbox_bg_close\":true,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"parallax_easing\":\"1\",\"show_content\":true,\"show_hover_image\":true,\"show_hover_video\":true,\"show_image\":false,\"show_link\":false,\"show_meta\":false,\"show_title\":true,\"show_video\":true,\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"children\":[{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>Masarat for IT and Financial Services (\\u201cMasarat\\u201d), located in Tripoli, Libya, is committed to protecting the privacy of Our users. This Privacy Policy explains how We collect, use, disclose, and protect information when You use Our mobile banking application,\\u00a0<strong>NCB Business<\\\/strong>\\u00a0(the \\u201cApp\\u201d), a product provided by Masarat for NCB Bank in Libya.<\\\/span><\\\/p>\",\"meta\":\"Effective Date 13\\\/08\\\/2025\",\"title\":\"Privacy Policy\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>NCB Business provides secure and efficient banking services, including fund transfers, bill payments, and business transactions. The app enables customers to manage their accounts seamlessly while ensuring high security and compliance with Libyan banking regulations. Additionally,\\u00a0<strong>LYPay B2B<\\\/strong>\\u00a0is integrated into the app, offering businesses a secure and efficient way to handle payments, manage transactions, and streamline financial operations.<\\\/span><\\\/p>\",\"title\":\"Introduction\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><strong><span>Interpretation<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>Words with capitalized initials have defined meanings. These definitions apply regardless of whether the words appear in singular or plural form.<\\\/span><\\\/p>\\n\n\n<p><strong><span>Definitions<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>For the purposes of this Privacy Policy:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Account<\\\/span><\\\/strong><span>\\u00a0refers to a unique profile created to access Our Service.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Affiliate<\\\/span><\\\/strong><span>\\u00a0means an entity that controls, is controlled by, or is under common control with Us.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Application<\\\/span><\\\/strong><span>\\u00a0refers to the\\u00a0<strong>NCB Business<\\\/strong>\\u00a0mobile application.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Company<\\\/span><\\\/strong><span>\\u00a0(referred to as \\u201cWe,\\u201d \\u201cUs,\\u201d or \\u201cOur\\u201d) means\\u00a0<strong>Masarat for IT and Financial Services<\\\/strong>, Tripoli, Libya.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Country<\\\/span><\\\/strong><span>\\u00a0refers to Libya.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Device<\\\/span><\\\/strong><span>\\u00a0means any device capable of accessing the Service, including computers, smartphones, and tablets.<\\\/span><\\\/li>\\n\n\n<li><strong><span>LYD (LY)<\\\/span><\\\/strong><span>\\u00a0refers to the Libyan Dinar, the official currency of Libya.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Personal Data<\\\/span><\\\/strong><span>\\u00a0refers to any information related to an identified or identifiable individual.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Service<\\\/span><\\\/strong><span>\\u00a0refers to the Application and associated functionalities.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Service Provider<\\\/span><\\\/strong><span>\\u00a0means third parties engaged to process data on Our behalf.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Usage Data<\\\/span><\\\/strong><span>\\u00a0refers to data collected automatically when using the Service.<\\\/span><\\\/li>\\n\n\n<li><strong><span>You<\\\/span><\\\/strong><span>\\u00a0refers to the individual or entity accessing the Service.<\\\/span><\\\/li>\\n<\\\/ul>\",\"title\":\"Interpretation and Definitions\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><strong><span>Types of Data Collected<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><strong><span>Personal Data<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>We may collect the following personally identifiable information:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><span>Email address<\\\/span><\\\/li>\\n\n\n<li><span>First and last name<\\\/span><\\\/li>\\n\n\n<li><span>Phone number<\\\/span><\\\/li>\\n\n\n<li><span>Usage Data<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><strong><span>Usage Data<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>Usage Data is collected automatically and may include:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><span>IP address<\\\/span><\\\/li>\\n\n\n<li><span>Browser type and version<\\\/span><\\\/li>\\n\n\n<li><span>Pages visited, visit duration, and other analytics<\\\/span><\\\/li>\\n\n\n<li><span>Device type and identifiers<\\\/span><\\\/li>\\n\n\n<li><span>Mobile operating system details<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><strong><span>Information Collected While Using the Application<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>With Your permission, We may collect:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Location Data:<\\\/span><\\\/strong><span>\\u00a0To help users locate the nearest bank branches.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Camera Access:<\\\/span><\\\/strong><span>\\u00a0For QR code-based payments (images not stored).<\\\/span><\\\/li>\\n\n\n<li><strong><span>Network Access:<\\\/span><\\\/strong><span>\\u00a0Required for transaction processing.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Storage Access:<\\\/span><\\\/strong><span>\\u00a0To save settings and preferences.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Biometric Data (Optional):<\\\/span><\\\/strong><span>\\u00a0For secure login via fingerprint or facial recognition.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Push Notifications:<\\\/span><\\\/strong><span>\\u00a0To alert You about account activity and security updates.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Phone Call Access:<\\\/span><\\\/strong><span>\\u00a0To enable direct communication with customer support.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Access to Photos and Media: <\\\/span><\\\/strong><span>Our app may request access to your device\\u2019s photo library or media storage to allow you to select and upload images of cheques for mobile deposit. We will only access the specific images you choose to share. The app does not browse, scan, or collect your entire photo library. Uploaded cheque images are transmitted securely, stored in encrypted form on our servers as part of your transaction records, and retained only for as long as necessary to process the deposit or comply with legal and regulatory requirements. Granting this permission is optional; however, mobile deposit features will not function\\u00a0without\\u00a0it.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><span>You can enable or disable access to these features at any time via Your device settings.<\\\/span><\\\/p>\\n\n\n<p><strong><span>Money Transfer &amp; Business Transactions<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>To facilitate secure transactions, We may collect:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Sender Information:<\\\/span><\\\/strong><span>\\u00a0Name, phone number, email.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Recipient Information:<\\\/span><\\\/strong><span>\\u00a0Name, IBAN.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Transaction Details:<\\\/span><\\\/strong><span>\\u00a0Amount, currency, reference.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Business Transfers:<\\\/span><\\\/strong><span>\\u00a0For business transactions, We comply with enhanced security measures, including transaction monitoring and identity verification.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><strong><span>Use of Your Information:<\\\/span><\\\/strong><\\\/p>\\n\n\n<ul>\\n\n\n<li><span>Process transactions securely.<\\\/span><\\\/li>\\n\n\n<li><span>Verify identity and prevent fraud.<\\\/span><\\\/li>\\n\n\n<li><span>Provide customer support.<\\\/span><\\\/li>\\n\n\n<li><span>Comply with regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><strong><span>Information Sharing:<\\\/span><\\\/strong><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Third-Party Service Providers<\\\/span><\\\/strong><span>\\u00a0(e.g., payment processors, fraud prevention tools).<\\\/span><\\\/li>\\n\n\n<li><strong><span>Regulatory Authorities<\\\/span><\\\/strong><span>\\u00a0(as required by financial regulations in Libya).<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><strong><span>Security Measures:<\\\/span><\\\/strong><\\\/p>\\n\n\n<p><span>We implement safeguards such as:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Encryption:<\\\/span><\\\/strong><span>\\u00a0Data is encrypted in transit and at rest.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Access Controls:<\\\/span><\\\/strong><span>\\u00a0Role-based access restrictions.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Regular Security Audits:<\\\/span><\\\/strong><span>\\u00a0We conduct periodic assessments to identify vulnerabilities.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Incident Response:<\\\/span><\\\/strong><span>\\u00a0A structured process for managing security breaches.<\\\/span><\\\/li>\\n<\\\/ul>\",\"title\":\"Collection and Use of Your Personal Data\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>Masarat adheres to\\u00a0<strong>ISO 27001:2022<\\\/strong>\\u00a0and the\\u00a0<strong>Libyan NISSA Information Security Manual<\\\/strong>\\u00a0to ensure the confidentiality, integrity, and availability of information. Our security framework includes:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Risk Management:<\\\/span><\\\/strong><span>\\u00a0Continuous risk assessment to identify security threats.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Data Encryption:<\\\/span><\\\/strong><span>\\u00a0Advanced encryption techniques for securing transactions.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Incident Handling:<\\\/span><\\\/strong><span>\\u00a0Procedures for rapid detection and response to security breaches.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Compliance Monitoring:<\\\/span><\\\/strong><span>\\u00a0Regular audits to ensure adherence to Libyan financial regulations and global security standards.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><span>In the event of a security incident, We will promptly notify affected users and relevant authorities, as per regulatory requirements.<\\\/span><\\\/p>\",\"title\":\"ISO 27001 Compliance & Security\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>We retain Personal Data only as long as necessary for:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><span>Service provision and legal compliance.<\\\/span><\\\/li>\\n\n\n<li><span>Fraud prevention and dispute resolution.<\\\/span><\\\/li>\\n\n\n<li><span>Business analytics and service improvement.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><span>Usage Data may be retained for a shorter period unless required for security or legal compliance.<\\\/span><\\\/p>\",\"title\":\"Data Retention\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>Our Service is not intended for individuals under\\u00a0<strong>18<\\\/strong>. We do not knowingly collect data from minors. If You are a parent or guardian and believe Your child has provided Personal Data, please contact Us for removal.<\\\/span><\\\/p>\",\"title\":\"Children\\u2019s Privacy\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>Depending on Your location and applicable laws, You may have the right to:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Access Your Data:<\\\/span><\\\/strong><span>\\u00a0Request a copy of the information We hold.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Correct Inaccuracies:<\\\/span><\\\/strong><span>\\u00a0Update incorrect information.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Restrict Processing:<\\\/span><\\\/strong><span>\\u00a0Limit how We use Your data.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Data Portability:<\\\/span><\\\/strong><span>\\u00a0Transfer Your data to another provider.<\\\/span><\\\/li>\\n\n\n<li><strong><span>Object to Processing:<\\\/span><\\\/strong><span>\\u00a0Opt-out of certain uses, such as marketing.<\\\/span><\\\/li>\\n<\\\/ul>\\n\n\n<p><span>To exercise these rights, contact Us via the details below.<\\\/span><\\\/p>\",\"title\":\"Your Rights\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>Our Service may contain links to external websites. We are not responsible for their content or privacy practices. Please review their policies before providing Personal Data.<\\\/span><\\\/p>\",\"title\":\"Third-Party Links\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>We may update this Privacy Policy from time to time. Changes will be notified via email or a prominent notice on Our Service. Please review this policy periodically for updates.<\\\/span><\\\/p>\",\"title\":\"Changes to This Privacy Policy\"}},{\"type\":\"grid_item\",\"props\":{\"content\":\"\n\n<p><span>For any questions regarding this Privacy Policy, You can contact Us at:<\\\/span><\\\/p>\\n\n\n<ul>\\n\n\n<li><strong><span>Email:<\\\/span><\\\/strong><span>\\u00a0<a href=\\\"mailto:support@masarat.ly\\\">support@masarat.ly<\\\/a><\\\/span><\\\/li>\\n\n\n<li><strong><span>Phone:<\\\/span><\\\/strong><span>\\u00a00900300900<\\\/span><\\\/li>\\n<\\\/ul>\",\"title\":\"Contact Us\"}}]}]}]}],\"name\":\"Full Privacy Grid\"}],\"version\":\"4.5.24\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Privacy Policy Effective Date 13\/08\/2025 Masarat for IT and Financial Services (\u201cMasarat\u201d), located in Tripoli, Libya, is committed to protecting the privacy of Our users. This Privacy Policy explains how We collect, use, disclose, and protect information when You use Our mobile banking application,\u00a0NCB Business\u00a0(the \u201cApp\u201d), a product provided by Masarat for NCB Bank in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1615,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-12926","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/pages\/12926","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/comments?post=12926"}],"version-history":[{"count":6,"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/pages\/12926\/revisions"}],"predecessor-version":[{"id":44640,"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/pages\/12926\/revisions\/44640"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/media\/1615"}],"wp:attachment":[{"href":"https:\/\/masarat.ly\/qafevol\/wp\/v2\/media?parent=12926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}