We are AUR Consumer Finance Company J.S.C.
"Waseela", and this privacy policy pertains to the data processed by
Waseela. It is essential to read and comprehend Waseela's privacy policy, as
your privacy is of utmost importance to us.
By using our services, we collect and process your personal
data responsibly and in alignment with your privacy. This privacy policy
elucidates how Waseela gathers and utilizes your personal data when you engage
with Waseela Services ("Services") and become our client. For
instance, you use our services when applying for or receiving consumer finance
from our company, reaching out to us, or utilizing our website or mobile app
(the "Waseela App"). The purpose of this privacy policy is to inform
you of your rights concerning your personal data and guide you on how to
exercise these rights.
What Information Do We Utilize?
Information You Provide to Us
When utilizing Waseela's services, you furnish us with contact
and identification information, including but not limited to your name, date of
birth, national ID card details, profession, address, email address, mobile
phone number, personal photo files, contact list, etc. For instance, when
applying for consumer financing, contacting us, or using the Waseela
application. It's important to note that, when using our services, you should
only provide your personal data. You have the flexibility to modify your
profile information, such as contact details and other settings, anytime within
the Waseela application.
Information We Collect About You
Depending on the nature of the services you utilize, we may collect various data about you either directly or through our parent or third-party companies (e.g., credit query agencies or public databases). This may encompass:
What Personal Data Do We Process and For What Purpose?
Depending on the nature of the services you utilize, Waseela Company may process your personal data for the outlined purposes below:
Processing for Our Services:
Processing personal data encompasses, but is not limited to,
contact and identification information, product/service details, financial
information, information about your interaction with Waseela, interaction
details with traders, and device-related information in order to:
Product Development & Research:
Processing of personal data includes, but is not limited to,
contact and identification information, product/service details, financial
information, information about your interaction with Waseela, interaction
details with traders, and device-related information in order to:
Adherence to Laws and Legal Claims:
Processing personal data includes, but is not limited to,
contact and identification information, product/service details, financial
information, information about your interaction with Waseela, interaction
details with traders, and device-related information in order to:
Promotional Purposes:
Personal information includes, but is not limited to,
product/service details, information about your interaction with Waseela,
information about your interaction with merchants, and device-related
information in order to:
Profiling and Automated
Decision-Making by Waseela
"Profiling" refers to the automated processing
of personal data to assess specific personal factors, such as analyzing or
predicting characteristics related to your financial situation or preferences,
including your shopping preferences. We engage in profiling based on the
personal data you've provided to us for the purpose of making personalized or
automated decisions about you, serving the following objectives:
Decisions Without Similar Legal or Substantive Impact
Waseela may implement decisions that do not bear similar
legal or substantive consequences for you, including:
Decisions With Similar Legal or Substantive Impact
Automated decisions with legal or similar substantive impact
imply that certain decisions related to our services may be made exclusively
through automated means, without the direct involvement of our employees, and
these decisions significantly affect you as a client.
The use of automated decisions enhances the objectivity and
transparency in the decision-making process for these services.
This type of automated decision-making may be employed when
determining the acceptance or rejection of your application for consumer
financing and, if approved, establishing the level of funding you will receive.
You retain the right to express your viewpoint or contest an
automated decision with similar legal or substantive consequences (along with
the associated profiling) at any time by reaching out to us via our email: [email protected]
Our customer service team will promptly address your
situation.
Policy Update Notification
As part of our ongoing commitment to enhancing our service
offerings and providing an improved user experience, we continuously evolve our
service portfolio. This evolution encompasses not only existing services but
also the introduction of new services over time. It is crucial that you review
this policy every time you engage with Waseela's services, as the processing of
your personal data may have changed since your last interaction with our
services.
Contacting us:
Waseela A customer service team specializes in data
protection topics and handles all matters of data protection, so feel free to
reach us by calling our customer service representatives on 15643 or through
the following email address: [email protected]