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

Sahara Pay provides innovative payment services including:

• Cross-payment transactions within Libyan banks
• NFC-enabled contactless payments
• Cash advance services
• Generation and scanning of QR codes to simplify your payment experience

We are committed to protecting your privacy, complying with applicable laws and standards, including ISO/IEC 27001:2022, and maintaining transparency in how we handle your data.

We collect information to enable a smooth, secure, and functional experience while you use Sahara Pay.

Location Information (Optional)

With your permission, we may access your location to:

• Show nearby Sahara Bank branches or ATMs
• Improve fraud detection and security

Permissions Used:

• ACCESS_COARSE_LOCATION
• ACCESS_FINE_LOCATION

Device Information

We collect basic information about your device to ensure the App operates correctly across device types, including: • Device model and operating system

• Unique device identifiers

App Usage Data

To enhance app performance and user experience, we may automatically collect:

• IP address
• Time and date of your usage
• Screens accessed and time spent
• App version and diagnostic logs

When you generate receipts or statements (e.g., PDF files), the App may request permission to read and write to external storage.

Important:

• We do not access or store any personal files unrelated to Sahara Pay.
• We do not transmit or misuse your data.

No Personal Information Storage

Sahara Pay does not store sensitive personal information such as:

• Account passwords
• Full debit/credit card details
• National identification numbers

Sahara Pay requires specific permissions to deliver secure, convenient functionality.

Permissions Include:

P.S: You can control permissions in your device settings at any time.
Disabling optional permissions will limit related features but will not affect core payment functionality.

We only share your information with Sahara Bank to:

• Process your transactions securely
• Comply with regulatory and security obligations

We do not share your information with third-party advertisers or for marketing purposes.

Masarat and Sahara Bank apply industry-standard and ISO/IEC 27001-compliant security measures, including:

• Encrypted communications via HTTPS/TLS
• Data encryption in transit and at rest
• Strict access controls and authentication procedures
• Regular security assessments and audits

You can:

• Manage permissions in your device settings
• Request access or deletion of certain data (subject to applicable law)
• Opt out of optional features like location services

With OnePay – one payment for everything, and transfers to anyone!
This is a unified payment service officially supported by the Central Bank of Libya, designed to make your payments and money transfers simple and secure. Through this service, you can:

• Make electronic purchases using any of the supported payment providers such as : Masrefy Pay, Yussor Pay, Sahara Pay.
• Pay across banks and providers seamlessly, regardless of your primary payment app.
• Transfer money between participating banks quickly and easily.

• We do not store your card or bank account details within the app.
• All payment and transfer operations are processed through encrypted channels, following PCI DSS and ISO 27001 standards, and in compliance with applicable data protection regulations.
• The app only shares the minimum required information with OnePay and the authorized payment providers to complete the transaction. Your data is never used for marketing or any unauthorized purpose.
• We are committed to transparency in notifying you whenever your data is shared with third parties, in line with App Store and Google Play payment and consumer protection policies.

By using the OnePay service within the app, you consent to the processing of your financial data solely to complete your requested transactions, in accordance with the Central Bank of Libya regulations and applicable data protection laws.

Sahara Pay is not directed to children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected such information, please contact us so we can delete it.

We may update this Privacy Policy periodically to reflect:

• New features and services
• Legal or regulatory changes
• Security improvements

If significant changes occur, we will notify you within the App.

If you have questions or concerns about this Privacy Policy or your information, please contact us:

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

By using Sahara Pay, you agree to this Privacy Policy.