This Privacy Policy describes how Miyar Capital collects, processes, uses, and protects personal data within the Kingdom of Saudi Arabia.

Definitions:
Personal Data:

Means data that may identify an individual, directly or indirectly, including, but not limited to: first name, last name, Saudi national ID number, address, telephone number, and bank account number.
References to "we" or "us", individually and collectively, include all Mi'raj Capital branches that collect and use your personal data within the Kingdom of Saudi Arabia.

Personal Data We Collect:

The data we collect varies based on the purpose for which it is used. However, the following are examples of the data we collect:

Data collected through application forms, questionnaires, or other documents or communications. These include, but are not limited to, full name, date of birth, and ID numbers.
Data about your transactions and products with us, such as account activity and product usage.
Data collected through your use of our services, websites, or mobile applications (such as cookies).
Data exchanged during our interactions with you, such as customer service requests and feedback we receive from you through our websites, mobile applications, social media accounts, or any channels we use to communicate with customers.

Legal basis and purposes for collecting and using your personal data:

We collect and use data as required based on the nature of our services and business. In most cases, our legal basis and purposes include, but are not limited to:

Complying with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.
Allowing us to provide products or services.
Protecting you from fraud by conducting identity and credit checks or verifying the absence of conflicts.
Improving our products, services, and your experience across our channels.
Understanding your needs as a customer and your eligibility for products and services.
Promoting new investment and financial products and services that may be of interest to you.

How your personal data is collected:

There are several touchpoints that help us collect your data, some examples of which are:

When establishing a relationship and using the service – when you use our services, become a customer, and benefit from our products.
Information Sharing – When you complete and upload a form on our website, mobile applications, email, social media posts, contact our customer center, or participate in promotional campaigns.
Interaction (Social Media) – Any posts, interactions, or communications you make directly with us on social media channels.
Browsing Pattern – Data about how you explore our website, the time of your visit, your browser type, and how you were referred to our website.
Surveys – Online web surveys that enable us to gather opinions on topics, such as your likes and dislikes about the look and feel of our website and mobile applications. Your valuable feedback enables us to improve the quality of the experience we provide to you as an organization.
From you personally, your authorized agent, or your legal representative.
In legally permissible cases, from third parties and public sources. This includes government agencies, credit information companies, and agencies.

Storage of Your Personal Data:
Your personal data will be:

Retained for as long as necessary to fulfill the purpose for which it was collected.
Held within the Kingdom of Saudi Arabia.
Retained to meet any legal and regulatory requirements.

Protection of Your Personal Data:

We ensure that your data is appropriately protected by employing the necessary physical, technical, administrative, and procedural security measures and precautions to prevent unauthorized access, collection, use, disclosure, copying, modification, or disposal. We protect your data in a manner consistent with the relevant data protection laws and regulations applicable in the Kingdom of Saudi Arabia. However, the internet is not completely secure.

Disclosure of Your Personal Data:

We may share your data with any of the entities listed below:
Any court or any governmental or regulatory body to comply with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.
Any debt collection agent, licensed credit information service provider, or insurance company.
Any service provider affiliated with Ma'aer Capital for the purpose of providing you with products or services, improving our products, services, and your experience across our channels, and promoting new financial investment products and services that may be of interest to you.
We may communicate with you and/or send you notifications regarding our products and services through various channels, such as SMS, email, and/or phone.
Changes to the Privacy Notice
We reserve the right to amend this Privacy Notice at any time. The Effective Date of the Privacy Notice, as stated below, indicates the most recent date this Privacy Notice was revised or amended. Checking the Effective Date below allows you to determine if there have been changes since you last reviewed the Privacy Notice. Therefore, we advise you to periodically check this Privacy Notice to ensure you are aware of the most up-to-date version. Use of Cookies: To enhance our customer experience, our websites use a standard technology called "cookies" to collect information about how our websites are used, which may include your data. The use of cookies is essential to the operation of our websites.

Contact Us

If you have any questions, you can contact us through any of our branches, email, live chat, social media, or through our website and app.

Effective Date

This policy was adopted as of November 2023.

Disclaimer

This Privacy Policy is not intended to create any contractual or other legal rights of any kind, or to create any obligations for us in relation to or on behalf of any third party. When you log on to any third-party websites, this Privacy Notice will not apply. Furthermore, we are not responsible for the content of any third-party websites and do not represent any third party. Therefore, we recommend that you review the privacy and security policy of each link you log on to.