Privacy Policy.

1. Introduction

Talmal is a financial application aimed at organizing and documenting the relationship between traditional creditor merchants and debtor customers, through a repayment period not exceeding 30 days and collection services on behalf of merchants. This policy explains how we handle your personal data.

2. Legal Terms and Definitions

Personal Data / Information: any information relating to an identified or identifiable individual, such as name, address, phone number, or email address.

3. Purpose of the Privacy Policy

This policy aims to inform you of the nature, scope, and purpose of the personal data we process when you use Talmal’s services.

4. Data Controller

Talmal is considered the data controller responsible for your personal data and the regulatory body responsible for this application or website.

5. Commitment to Privacy

The Company handles the privacy of customer data with the utmost care, and is committed to protecting it in accordance with the regulations of the Kingdom of Saudi Arabia.

6. Amendment of the Privacy Policy

The Company reserves the right to amend or add provisions to this Privacy Policy in line with its business requirements, without providing reasons or prior notice to customers.

7. Data Security and Protection

Talmal is keen to follow appropriate security measures to prevent the loss, misuse, or unauthorized access of your personal data.

8. Data Collection Mechanisms

We use various methods to collect data, including direct interactions via phone or email, and data you provide when registering for and using the service.

9. Type of Data Collected

Personal data is collected for the purpose of registration and subscription to the application and to identify the user, such as name, phone number, email address, and financial data.

10. Failure to Provide Personal Data

If we need to collect personal data as required by law or under contractual terms, and it cannot be provided, we may be unable to provide the service.

11. Inaccurate Data

We carry out checks on the information you provide to identify any errors or deficiencies, and we may ask you to correct it.

12. Personal Information of Individuals Under the Age of 18

Personal information of individuals under 18 years of age may be collected with the consent of a registered parent, brother, or sister.

13. Use of Customer Data

We use your personal data only within the scope permitted by law, in order to provide our services, manage your account, and fulfill our obligations.

14. Receiving Marketing Offers

We communicate with users who opt in to our services via email, phone, or text message, and you may unsubscribe at any time.

15. Parties We Share Data With

We share our customers’ data with parties such as consultants, technology service providers, financial partners, or government authorities when necessary.

16. Legal Obligations

We process your personal data to fulfill any legal obligation we are required to observe under the regulations of the Kingdom.

17. Retention Period of Customer and Subscriber Data

We retain data for the period necessary to fulfill the purposes for which it was collected, or as required by applicable regulations.

18. Termination of Subscription and Account Closure

Customers and subscribers have the right to request the deletion of all personal data we hold, subject to our legal obligations.

19. Disclaimer

Talmal and its partners shall not bear any responsibility for any delay or interruption in the service, or for any damages resulting from the use of the application.

20. Your Legal Rights

• 20.1 Transparency and Disclosure: you have the right to know how your information is used and to request a copy of your data.
• 20.2 Correction: you may request the correction of inaccurate data.
• 20.3 Erasure and Restriction of Processing: you may request the deletion of your data when there is no reason to continue processing it.
• 20.4 Objection: you may object to the processing of your data in certain cases.
• 20.5 Access: you have the right to request information related to the data we hold about you.
• 20.6 Portability: you may request the transfer of your data to you or to a third party.

21. Complaints

To submit any complaint, we ask that you contact us first so we can attempt to resolve the issue. You also have the right to submit a complaint to the competent authorities. For more information, please refer to the Customer Protection Policy.