Privacy

1. Our Commitment

MALY is fully committed to maintaining the privacy of your personal information.

2. What information do we record?

MALY obtains information about you via our mobile app, website, or direct contact. For  example, when you register on the app and provide identification data like bio-metric data,  name, address, telephone number, mobile number, email address or place of residence.

We also record details about your MALY accounts and transactions with us and usage of  your device for MALY services as well as additional information provided via communications  with you and from social networks or online accounts and internet cookie information.

MALY may also obtain information about you from other sources such as credit checking bureaus, identity verification services or government authorities.

3. Protection of personal data

MALY will take appropriate measures to protect the personal data obtained and transactional data collected by it with full observance of all applicable laws in the United Arab Emirates and Dubai International Financial Center (DIFC).

4.What do we do with your information?

We routinely use your personal information to help us manage and improve our services  and your account usage including, for example, to:

• enable/route transactions with third-parties such as financial institutions, correspondents, payment intermediaries, card schemes, or other commercial partners (‘Partners’);
• provide you with customer support and troubleshoot problems;
• notify you about service updates and faults;
• request feedback or participation in online surveys;
• verify your identity;
• monitor and improve our applications, products and websites;
• investigate suspicious transactions (flagged internally or by one of our Partners);
• protect your privacy and prevent fraud, money laundering and tax evasion; or
• invoice you or notify you of the status of any service or product orders.

With your permission, we also use your information to market and communicate our products and services and promotional offers, contests and similar events, as well as those of approved partners. You can always stop receiving these if you want to, by email and via the app.

MALY may use analytics partners such as Google Analytics to track volume of usage on internet sites and to help improve the relevance and features of our services to you.

Your personal information may, from time to time, be used to meet our regulatory obligations and those of our Partners (as mandated under applicable jurisdictions). The collection, use and processing of such information may occur for purposes of, including, but not limited to, AML/KYC requirements at the time of onboarding, ongoing monitoring, and for reporting to authorities.

5.Disclosure of personal information

MALY will not sell, rent, trade or otherwise transfer any personal and/or traffic data or communications content without your explicit permission, unless MALY is obliged to do so under applicable laws or by order of government authorities.

6. Your Profile

Your user profile is the information provided by you at registration which is on your  personal details page in your account. You can access and update your user profile from  the MALY mobile App.

7. Third Party Sites & Apps

MALY App and websites may contain links that will let you leave MALY ‘s app or website and access another app or website. Such linked apps or websites are not under the control of MALY and these websites  have different privacy policies. The MALY Privacy Policy applies solely to personal  information that is acquired on the websites or through your use of the MALY software,  MALY products and/or your relationship with MALY. So, MALY urges you to be careful when  you enter any personal information online.

If you use any third-party applications together with the MALY software (“Other  Applications”), the provider of such Other Applications may obtain access to certain  personal information about you. MALY does not and cannot control how the provider of Applications may use any personal information in connection with such Other Applications.  Please ensure that you review any privacy policies and all terms applicable to the use of  such Other Application before installation. MALY accepts no responsibility or liability for these other websites.

8. MALY Cookies

By using MALY app, website and/or software you are giving your consent to the use of cookies.  You can choose to reject cookies at any time or by ceasing to use MALY app, website and/or  software or by using the applicable opt-out functions. You should be aware that certain  features are only available through the use of cookies and if you choose not to accept  cookies, such features may not be available to you.

9. Contacting you

MALY may from time to time ask you to voluntarily provide information on your experiences which will be used to measure and improve the quality of the MALY software, products, and website. At the time, we will make it clear that you are not obliged to participate in such  surveys.

MALY may also contact you about faults and service issues or any misuse or claimed violation of the of any third-party rights.

MALY may also keep you up to date with news about the MALY products that you have purchased and/or to inform you about other MALY products or other MALY related information. You can opt-out of the receipt of alerts and/or promotional emails.

10. How do I update my personal data?

You have the right to access and, where relevant, to amend your personal information. We  will respond to requests to view, correct, complete or remove your personal information  within a reasonable period of time and upon verification of your identity.

11. Retention of personal data

MALY will retain your information for as long as is necessary to comply with applicable laws, regulations, and relevant orders from Government authorities.

If requested, MALY will do its best to delete obsolete personal information unless it is  required to be retained by law or for lawful business purposes.

12. Privacy Policy updates

MALY may occasionally update this Privacy Policy to reflect changes in our software and/or products and customer feedback as well as any legal requirements. The “last revised”  version is the one accessible on our mobile app and website.

We will notify you of any material changes to the Privacy Policy.

We encourage you to periodically review this Privacy Policy to be informed of how MALY is  collecting, using, and protecting your information.

© MALY Tech Limited – Last revised: May 2023