Privacy Policy

Last Updated: 7 November 2024

Al Ritaj Pay (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and other online services.

By using our services, you agree to the collection, storage, and use of your information as outlined in this policy. If you do not agree with the terms, please discontinue use of our services.

1. Information We Collect

We collect various types of personal information to provide our services effectively and to comply with regulatory requirements.

a. Personal Identification Information
When you register for an Al Ritaj Pay account, we may collect:

  • Full Name
  • Email Address
  • Phone Number
  • Date of Birth
  • Address
  • Identification Documents (e.g., passport, government-issued ID)

b. Financial and Transaction Information
To process transactions, we may collect:

  • Bank Account Details
  • Credit/Debit Card Information
  • Transaction History

c. Device and Technical Information
When you use our website or app, we automatically collect:

  • Device Information (e.g., IP address, device ID, operating system)
  • Log Information (e.g., login time, pages viewed)
  • Location Data (only with your permission)

2. How We Use Your Information

We use the collected information for the following purposes:

  • Account Creation and Verification: To verify your identity and prevent fraud.
  • Transaction Processing: To facilitate money transfers and payment transactions.
  • Customer Support: To resolve inquiries, manage accounts, and respond to your requests.
  • Regulatory Compliance: To fulfill legal obligations, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements.
  • Service Improvement: To understand how you use our services, enhance the user experience, and conduct data analytics.

3. How We Share Your Information

We do not sell or share your personal information with third parties except as described below:

  • Service Providers: We may share your information with third-party service providers who assist with transaction processing, identity verification, data storage, or customer support. These providers are obligated to maintain the confidentiality and security of your information.
  • Regulatory and Legal Authorities: We may disclose your information to comply with applicable laws, court orders, or governmental regulations. This may include reporting suspicious activities to regulatory authorities.
  • Business Transfers: If Al Ritaj Pay undergoes a merger, acquisition, or asset sale, your personal information may be transferred as part of the transaction, with adequate safeguards to protect your privacy.

4. Data Security

We implement strict security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

  • Encryption: All sensitive information is encrypted during transmission and storage.
  • Access Controls: Only authorized personnel have access to your information.
  • Regular Security Audits: We regularly review and update our security practices to stay up-to-date with the latest standards.
  • Despite our best efforts, no security system is entirely foolproof. In the event of a data breach, we will notify affected users and regulatory authorities as required by law.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and to comply with legal, tax, and regulatory requirements. Once your information is no longer needed, we securely delete or anonymize it.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: You have the right to request access to the personal information we hold about you.
  • Correction: You may request corrections to any inaccurate or incomplete information.
  • Deletion: In certain circumstances, you may request that we delete your personal information.
  • Objection and Restriction: You may object to or request a restriction of the processing of your personal information.
  • Data Portability: You have the right to request a copy of your data in a machine-readable format.
  • To exercise any of these rights, please contact us at privacy@alritajpay.com. We may require verification of your identity before processing your request.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your browsing experience on our website and app. Cookies help us understand user preferences, optimize site performance, and provide personalized content.

You can manage your cookie preferences in your browser settings. However, disabling cookies may affect certain features and functionality of our services.

8. Third-Party Links

Our website and app may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review the privacy policies of any external sites you visit.

9. Children’s Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have inadvertently collected such information, we will take steps to delete it as soon as possible.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes via email or through our website. The “Last Updated” date at the top of this policy indicates the most recent revision.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Al Ritaj Pay
Email: privacy@alritajpay.com