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:

• Contact information and identification: Name, date of birth, national ID card number, occupation, address, email address, mobile number, etc.
• Product/Service information: Details of purchased or ordered products/services, such as product quality or shipping details.
• Financial information: Data obtained from third parties about your financial matters, including income, financing obligations, historical financing data, payment dates, bank account details, etc.
• Interaction information between you and Waseela: Your usage details, current and past commitments, payment dates, technical data (e.g., page loading time, loading errors), personal preferences, and customer service interactions.
• Recorded calls: We may record phone calls made to customer service.
• Information about interactions between you and merchants: Details of your interactions with merchants, such as product quality or trader evaluations.
• Device-related information: Internet protocol, language settings, browser settings, time zone, location, operating system, platform, screen resolution, etc.

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:

• Manage our relationship with service users.
• Formation and transmission of information in electronic form (excluding publicity).
• Determine the optimal method of contacting you regarding information on outstanding claims.
• Conduct credit checks before granting consumer finance, involving profiling.
• Prevent IT attacks as part of our efforts to safeguard and maintain our services.
• Transfer your data to merchants, service providers, and other recipients.
• Continuously conduct credit or risk analyses, fraud prevention, and risk management, involving profiling.
• Recover outstanding debts, including the collection and transfer of receivables, involving profiling.

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:

• Conduct data analysis for product development and testing.
• Facilitate internal research and create statistical models.

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:

• Adhere to applicable laws.
• Protect Waseela from legal claims and initiate legal claims by Waseela.

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:

• Provide you with publicity and offers about our services and/or the services of our parent, sister, and affiliate companies.
• Tailor publicity addressed to you.
• Provide links to sponsors and market merchants' products and services and/or our parent, sister, and affiliate companies.

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:

• Anticipating relevant publicity content of interest to you.
• Identifying suitable offers tailored to your preferences.
• Determining the most effective means of contacting you regarding outstanding claims.
• Identifying content best suited for viewing on the Waseela app.

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]