At Ghashful, we value your privacy and are committed to protecting your personal and non-personal information collected through our platform. This privacy policy outlines how we handle your data, specifically focusing on the relationship between Ghashful and its partners, such as banks, financial institutions (FIs), mobile network operators, insurance companies, and mobile phone manufacturers.

1. Personal Identification Information

We collect personal identification information from users when they interact with our platform. This includes name, contact details, financial information, and other personal data necessary to facilitate mobile phone financing through our partners. This information is used to evaluate loan applications, process transactions, and offer relevant services.

2. Non-Personal Identification Information

We may collect non-personal identification information about users whenever they interact with our platform. This may include browser type, device type, and technical data, such as the user’s operating system and internet service provider.

3. Web Browser Cookies

Ghashful uses cookies to enhance the user experience. These cookies may track information such as site preferences and interactions, enabling us to improve our services. Users can set their browser to refuse cookies or alert them when cookies are being sent, though certain features of the platform may not function properly if cookies are disabled.

4. How We Use Collected Information

The information collected from users is used for the following purposes:

• To process loan applications and facilitate mobile phone purchases
• To improve customer service and respond to inquiries
• To personalize the user experience
• To comply with legal and regulatory requirements, including fraud prevention
• To communicate with users about new services and updates from Ghashful and its partners

5. How We Protect Your Information

We implement appropriate security measures to safeguard personal data against unauthorized access, alteration, or disclosure. These measures include encryption, firewalls, and secure data storage practices. Only authorized personnel have access to personal identification information, ensuring its confidentiality.

6. Sharing Your Personal Information

Ghashful shares user data with its trusted partners, including banks, FIs, and insurance companies, solely for the purpose of loan facilitation and service delivery. We do not sell, trade, or rent user information to third parties for marketing purposes. All data sharing is conducted in compliance with applicable laws and regulations.

7. Electronic Newsletters

Users who subscribe to our newsletters may receive periodic updates, news, or promotional content from Ghashful. If you wish to opt out, you can do so by following the unsubscribe instructions included in the emails.

8. Disclosures Required by Law

Ghashful may disclose personal information if required by law, such as in response to a subpoena or court order, or if we believe it is necessary to protect the rights, property, or safety of Ghashful, its users, or others.

9. Third-Party Websites

Ghashful’s platform may contain links to third-party websites, including partners' websites. We are not responsible for the content or privacy practices of these websites. Users are encouraged to review the privacy policies of third-party sites before engaging with them.

10. The Data That We Retain

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Once the data is no longer required, it is securely deleted.

11. Problem Signing In

If you experience issues signing in to your Ghashful account, please contact our customer support team. We take user privacy seriously and will only assist in account access after verifying identity to prevent unauthorized access.

12. Change to this Privacy Policy

Ghashful reserves the right to update this privacy policy at any time. We will notify users of significant changes by sending an email or placing a prominent notice on our platform. Users are encouraged to review this policy periodically for any updates.

13. Your Acceptance of These Terms

By using the Ghashful platform, you signify your acceptance of this privacy policy. If you do not agree with this policy, please do not use our services. Continued use following any changes to this policy will be deemed as your acceptance of those changes.

14. Contact Us

If you have any questions or concerns regarding this privacy policy, feel free to contact us at [email protected] or reach out to our customer support team at +880-1742-111222.