{"id":47108,"date":"2025-12-12T14:20:10","date_gmt":"2025-12-12T14:20:10","guid":{"rendered":"https:\/\/masarat.ly\/?page_id=47108"},"modified":"2026-09-01T11:00:22","modified_gmt":"2026-09-01T11:00:22","slug":"privacy-policy-mobimal","status":"publish","type":"page","link":"https:\/\/masarat.ly\/privacy-policy-mobimal\/","title":{"rendered":"Mobimal Privacy Policy"},"content":{"rendered":"
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Privacy Policy<\/strong><\/h1>\n
Effective Date 31\/08\/2026<\/strong><\/h5>\n

This Privacy Policy<\/strong> highlights the new services and features introduced in the updated version of the Mobimal<\/strong> mobile application. It also outlines our policies and procedures regarding the collection, use, and disclosure of your information when you use our Service. Additionally, it explains your privacy rights and how applicable laws protect you.<\/p>\n

By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.<\/p>\n

 <\/p>\n

Interpretation and Definitions<\/strong><\/p>\n

Interpretation<\/strong><\/p>\n

Words with capitalized initials have defined meanings. These definitions apply regardless of whether the words appear in singular or plural form.<\/p>\n

Definitions<\/strong><\/p>\n

For the purposes of this Privacy Policy:<\/p>\n

    \n
  • Account<\/strong>\u00a0refers to a unique profile created to access Our Service.<\/li>\n
  • Affiliate<\/strong>\u00a0means an entity that controls, is controlled by, or is under common control with Us.<\/li>\n
  • Application<\/strong>\u00a0refers to the\u00a0Mobimal<\/strong>\u00a0mobile application provided by the Company.<\/li>\n
  • Company<\/strong>\u00a0(referred to as \u201cWe,\u201d \u201cUs,\u201d or \u201cOur\u201d) means\u00a0Masarat for IT and Financial Services<\/strong>, Tripoli, Libya.<\/li>\n
  • Country<\/strong>\u00a0refers to Libya.<\/li>\n
  • Device<\/strong>\u00a0means any device capable of accessing the Service, including computers, smartphones, and tablets.<\/li>\n
  • Personal Data<\/strong>\u00a0refers to any information related to an identified or identifiable individual.<\/li>\n
  • Service<\/strong>\u00a0refers to the Application and associated functionalities.<\/li>\n
  • Service Provider<\/strong>\u00a0means third parties engaged to process data on Our behalf.<\/li>\n
  • Usage Data<\/strong>\u00a0refers to data collected automatically when using the Service.<\/li>\n
  • Add Friend<\/strong>\u00a0refers to a feature enabling users to scan a QR code to add a beneficiary for money transfers to National Commercial Bank account holders and other banks in Libya.<\/li>\n
  • You<\/strong>\u00a0refers to the individual or entity accessing the Service.<\/li>\n
  • LYPay \/ OnePay: <\/strong>Legal payment services launched by the Central Bank of Libya for bank transfers using IBAN & enables you to make purchases using electronic payment methods.<\/li>\n
  • Remote Onboarding<\/strong> refers to a process to perform facial forensics and verify the user’s identity by matching their face with their passport photo.<\/strong><\/li>\n<\/ul>\n
      \n
    • QR push mode: <\/strong>a service that allows users to generate QR code for push payment.<\/li>\n
    • Palm Pay<\/strong>: refers to a biometric payment service that allows users to authorize payments using their palm.<\/li>\n<\/ul>\n

      Wafed<\/strong>: a digital wallet that connects the main business account (NCB Business) used to manage the primary wallet with individual accounts (MobiMal) used to manage sub-wallets for expatriates and residents.<\/p>\n

      Collecting and Using Your Personal Data<\/strong><\/p>\n

      Types of Data Collected<\/strong><\/p>\n

      Personal Data<\/strong><\/p>\n

      We may collect the following personally identifiable information:<\/p>\n

        \n
      • Email address<\/li>\n
      • First and last name<\/li>\n
      • Phone number<\/li>\n
      • Usage Data<\/li>\n<\/ul>\n

        Usage Data<\/strong><\/p>\n

        Usage Data is collected automatically and may include:<\/p>\n

          \n
        • IP address<\/li>\n
        • Browser type and version<\/li>\n
        • Pages visited, visit duration, and other analytics<\/li>\n
        • Device type and identifiers<\/li>\n
        • Mobile operating system details<\/li>\n<\/ul>\n

          Information Collected While Using the Application<\/strong><\/p>\n

          With Your permission, We may collect:<\/p>\n

            \n
          • Location Data<\/strong>\u00a0(used per session only, for ATM\/branch locator features)<\/li>\n
          • Camera Access<\/strong>\u00a0(for QR code-based payments and Remote Onboarding process)<\/li>\n
          • Network Access<\/strong>\u00a0(to enable transaction processing)<\/li>\n
          • SMS Autofill<\/strong>\u00a0(for OTP verification)<\/li>\n<\/ul>\n

            You can enable or disable access to these features at any time via Your device settings.<\/p>\n

            Money Transfer Service Using IBAN<\/strong><\/p>\n

            To facilitate money transfers, We may collect:<\/p>\n

              \n
            • Sender Information:<\/strong>\u00a0Name, address, phone number, email<\/li>\n
            • Recipient Information:<\/strong>\u00a0Name, IBAN<\/li>\n
            • Transaction Details:<\/strong>\u00a0Amount, currency, reference (if provided)<\/li>\n
            • Identification Verification:<\/strong>\u00a0(Potential future requirement for compliance)<\/li>\n
            • Device Information:<\/strong>\u00a0Device type and operating system<\/li>\n<\/ul>\n

              Use of Your Information:<\/strong><\/p>\n

                \n
              • Process transactions securely<\/li>\n
              • Verify identity and prevent fraud<\/li>\n
              • Provide customer support<\/li>\n
              • Comply with regulatory obligations<\/li>\n<\/ul>\n

                Information Sharing:<\/strong><\/p>\n