Overview
1.1 TamraCap (hereinafter referred to as the “Company” or “we”), intended to provide its clients (hereinafter referred to as the “User” or “Client”) with services via an accessible e-channels, noting that the company does not collect personal information related to the user in visiting any of its e-channels. This policy describes the types of information that we may collect from you or that you may submit (“Personal data”), as well as the services that are associated to it (“Services”) and how we collect, use, store, protect, and disclose your Personal data. We take your privacy seriously and are dedicated to keeping it safe and secure. The policy also describes your options on how we use your personal data and how you can view and amend it. This Policy complies with the “Personal Data Protection Law” of the Kingdom of Saudi Arabia.
Amendments of Privacy Policy
Please note that the Company reviews its Privacy Policy periodically, which may go through some amendments effective immediately upon posting the new version followed with an effective date. Accessing the site after such an amendment is considered prior approval of the amended privacy policy including all changes therein. Therefore, please visit our site regularly to ensure that you are up to date with the latest version of the privacy policy.
Definitions
Access code : It is the customer’s personal identification code (password, number or passcode as the case may be).
Personal information : is (whether true, false, materially entered or recorded) the information related to the personal identity or reasonably be ascertained and confirmed by such information.
Use of Web Trends “Cookies” Cookies are the text files that transferred to the hard disc by a web page server, in case the web browser is designed to accept cookies. However, the browser may choose how and when to accept cookies based on browser configuration. Cookies work by storing data related to browsing history and the way the site is used, and it is possible to retrieve by the web server. Commonly, we use cookies to determine the login history to our website, but we cannot track data about a specific user nor can we identify the user. The use of this technology allows us to collect some data, such as how many people use our website and how they navigate within.
Purpose of the Agreement
- For the client to enjoy a fair, transparent, and honest transaction.
- Accessing the financial services and products easily and at an appropriate cost and quality.
- his Privacy Policy is to help understand the nature and reasons for collecting information, how to update, export, and delete your information.
- Your concerns and worries regarding the confidentiality and privacy of your data is of utmost importance to us, and we aim to achieve that with this policy.
Execution of the Policy
The company is committed to respecting the user’s privacy and protecting all and every personal information obtained and/or used as part of the process of collecting data/information, when provided by the users for using any of the company’s services, via any of its e-channels. This personal information is collected and used in accordance with this Privacy Policy.
Processing Personal Information
The collected information may include some personal information, such as:
a. Details about accounts, profiles, and contacts, such as your phone number, email address, postal address, first and last names, and ID, some of which can vary based on the features you use.
b. Information related to all transactions made with the Company, affiliates or third parties, including account balances, income, payment history, location, activity and other financial information.
c. Any information you would like to provide. You can decide whether to give us more personal data.
d. Geographical Data. For example, your exact or estimated location based on your IP address, the GPS on your phone or other device, or any data you provide to us based on your device settings. If you allow this through your device permissions or settings, we might also gather this data when you’re not using the app.
Data maintenance and user rights
The company maintains the data as provided in the profile, and the user can at any time modify or delete this information by using the account setting option. The user also agrees that the Company may access, process, and retain such data in accordance with this Privacy Policy. Sometimes, the company may communicate directly with the user via email or contact numbers to discuss necessary details to process certain services or products.
Company rights to collect and store information
The company reserves the right to collect the user’s personal information including name, address, phone number, and email address. The company may store data, transaction information, and profile, such as IP, domain, browser, user agent, or any other relevant information used as part of the data collection process, including cookies or information provided by the user.
Information access application
Subject to certain exceptions, the client may access personal information maintained by TamraCap. The client may request to update, correct, or modify this information. In such cases, the company will need to verify the identity of any client or authorized party requesting access to ensure that information is not provided to unauthorized persons.
Exceptions for personal information access
In certain limited circumstances, we may not be able to provide the client with personal information, including:
a. When it is prohibited to disclose the information by law or by a governmental, regulatory, or judicial authority.
b. If the information relates to ongoing or expected legal claims.
c. If disclosure violates the privacy of others or constitutes a threat to their privacy.
d. If disclosure has effects on competition.
e. If sharing the information would disclose sensitive commercial or operational decision-making information.
Updating personal information
Having accurate information about the client enables us to provide the best possible service. Therefore, please contact us if any of your provided personal information changes or is inaccurate, incomplete, or outdated.
How Personal Data is Collected
There are many contact points that would assist us in collecting your data, including but not limited to:
a. Application forms or other forms the client fills out for TamraCap.
b. By establishing the relationship to benefit from the service – using our services, becoming a customer and benefiting from our products.
c. Phone conversations with our representatives are subject to recording to ensure accuracy, security, and quality of service, and for training and internal regulations purposes. Similarly, the client acknowledges that visiting our facilities and offices entails recording the visit via the surveillance camera recording systems installed in the buildings for security purposes. TamraCap also agrees to record your visit and keeps the records.
d. Sharing information: by completing a form and submitting it to our website, mobile app, email, social media, or by calling our customer center or participating in promotional campaigns.
e. Social Media Interactions: Any posts, interactions, or communications you make with us directly via social media channels.
f. Browsing pattern: data about how you explore our website, time of visit, internet browser types, and how you were referred to our website.
g. Surveys: Online web surveys that enable us to collect opinions on topics. For example, what you like and do not like about the expression and impression of our website and mobile apps. The valuable feedback enables us to improve the quality of services we provide you as an organization.
h. Personally from you, your authorized proxy, or legal representative.
Purpose of collecting personal information
We collect personal information necessary for or in connection with the performance of our functions, services, and activities. Certain applicable laws may also require us to collect personal information; for example, to comply with AML/CFT acts and regulations. Failure to provide TamraCap with this personal information may hinder dealing with you or providing you with the requested product or service.
For example, TamraCap may collect your personal information for the following purposes:
a. Executing the requested service.
b. Understanding your needs or ensuring your eligibility for a specific product or service.
c. Respond to requests, inquiries, or manage the process of providing products or services.
d. Performing other administrative and operational tasks, including risk management, compliance, systems development, record keeping, employee training, and research for market or customer satisfaction.
e. Provide you with information about products or services that you might be interested in.
f. Assessment of creditworthiness.
g. To prevent or investigate any fraud, violation, or suspected fraud or violation.
h. In accordance with the requirements of laws, regulations, and procedures.
i. To produce anonymous or aggregated data, reports, and statistics. Ensures anonymous participants.
Utilization of the Data We Gather
8.1 Develop, provide, and enhance TamraCap’s platform. This data may be processed by us in order to:
a. Provide you access to the Tamra Platform.
b. Handle your request.
c. Execute research, debug, and analytics tasks.
d. Continue to develop and enhance our offerings.
e. Give training on customer service.
f. Notify you about accounts, security alerts, updates, and messages.
g. Based on your interactions with TamraCap’s platform, personalize and tailor your experience.
h. Make our services available to you.
Disclaimers
Accessing any of the company’s e-channels represents expressed consent to collect, transfer, process, use and store any personal information under this privacy policy. In the event that the user does not agree to any of the terms and conditions stipulated in this privacy policy, or for more information, please contact us directly via the e-mail address: (support@tamracap.com) to provide the necessary assistance.
Information Security and Combating Piracy
Comprehensive information security policy
The company applies a comprehensive and strict information security policy. Only authorized employees may access the personal information, and these employees have signed undertakings to maintain the confidentiality of this information in accordance with laws and regulations applied in the Kingdom of Saudi Arabia. However, all personal information will remain solely and exclusively for the Company’s use, to improve user experience, and assist internal business teams in understanding individual needs and business trends, for the purpose of improving the Company’s products and services. The Company will not sell personal information to any other party under any name or for any purpose.
Ensuring data quality
The company consumes all possible efforts and means to ensure the quality of the published data and information, by obtaining most of the information from its primary source, and recognizes the ownership of the establishments for all their intellectual property rights. The Company does not bear any legal responsibility for the information that appears on its website, e-channels, or other related links.
Ownership rights of content
The company confirms the ownership rights of the entire content of its e-channels, and that these rights are reserved in accordance with laws and regulations. The necessary legal measures will be taken against any violation of these rights.
Your Rights
In accordance with the applicable laws, you may exercise any of the rights outlined in this section, which highlights details on requests for the rights of data subjects and how to submit them. Before moving further with your request, we might require you to confirm your identity and request.
a. Handling Your Data: Through your account settings, you can view and modify some of your personal data. It is your duty to maintain the accuracy of your personal data.
b. Travel and Easy Access: You may be able to obtain copies of your personal data that you have given us in a machine-readable, structured, and commonly used format, as well as request that we transfer this data to another service provider, if that is technically possible, under the terms of applicable law in some jurisdictions.
c. Deletion: You may ask for the deletion of your personal data. Note that this happens in the event that you ask for the removal of your personal data or if your account is voluntarily closed, suspended, or terminated.
d. Appropriate Commercial Interests: If it is required for our legitimate business interests—such as preventing money laundering, detecting and preventing fraud, and improving safety—we may keep your personal information on record.
e. Requirements for Legal, Tax, Reporting, and Auditing: Your personal information may be kept on record and used as needed to fulfill our reporting, tax, legal, and auditing requirements.
f. Additional Copies: We take precautions to guard against unintentional or malicious data loss and destruction, so for a while, residual copies of your personal data might not be deleted from our backup systems.
Additional Information
For more information or inquiries regarding this Privacy Policy, please contact us, or send us an email to the following address: support@tamracap.com