Back

1 Amwal Pay Privacy Policy

1.1 Amwal-Pay Privacy Policy Last Updated: September 03, 2023

This privacy policy governs the way Amwal-Pay Group (including its subsidiaries, affiliates, parent companies, associated service providers and advisers) collect, use, maintain and disclose personal and non-personal information when you use our website and mobile application. This privacy policy applies to the website and mobile application and all products and services offered by Amwal-Pay.com or under the brand names affiliated or associated with Amwal-Pay Group.

Amwal-Pay will always ensure that your privacy is protected and secured with reasonable controls and measures. You can be certain that we shall use your personal information only in accordance with this privacy policy. Please read and understand this Policy carefully to know our practices regarding collection, storage, maintenance, disclosure, and usage of your personal data.

Amwal-Pay reserves the right to make changes to this policy at any point in time at its sole discretion, and accordingly update this page. Please check this page periodically to make sure you read and agree with the changes. And, if deemed necessary, we will provide more prominent notice. By signing up to our website, mobile application and utilizing or accessing the features built in thereby, you accept and agree to adhere to the terms of our Privacy Policy.

1.2 Personal Information Amwal-Pay Group Requests from You

By personal information, we mean information related to a specific individual from which such individual can be identified. Anonymous information does not constitute personal information as the identity of the individual cannot be recognized. The personal information which may be collected by Amwal-Pay include the following:

• I. Name, designation, and contact information including email address, phone number.
• II. Business information
• III. Demographic information like postcodes, preferences, and interests
• IV. Any other information related / relevant to our application process.

We may collect, transfer, use, store your personal information when you use our website, mobile application, or services for the following purposes:

2 From our website and mobile application

• I. Information you provide us when using our website or mobile application: when you create an account on our website, mobile application we may ask you to provide personally identifiable information such as your full name, email address, phone number, address, your website, and other personal information that may be required for creating account.
• II. Automated technologies: If you accept “Cookie banner” displayed on our website, we will collect information from your browser such as your computer’s internet protocol, browser type and version, length of the visit and the pages viewed.

3 From our service

• I. Data collection from our payment services: the data collected from the merchants: we collect, store and process personal information related to you when you apply to become a merchant. Additional personal information may be required such as full name, email address, date of birth, home address, proof of address, bank statement, personal identification card or passport and other information as may be required to on-board you and to meet applicable legal and regulatory requirements.
• II. Data collected from cardholders/buyers: we collect, store, process financial and transaction related to personal data about the cardholders/buyers and their transaction, which may include, full name, email address, phone number, credit card number, expiry date, CVV, billing and shipping address, IP address, browser type and version, purchase amount, date of the purchase, and cart description.

3.1 Why Does Amwal-Pay Group Collect Your Personal Information?

• I. To personalize user experience: we may use information to understand how our users as a group/collectively use the services and resources provided on the website and Mobile application.
• II. To improve customer service: your information helps us to respond effectively to your customer(s) service requests, inquiries, and support needs.
• III. To process your application: we may use the personal information collected to understand the nature and profile of your business and access your application.
• IV. For marketing purposes: we may use your personal information if you have “Opt in” for promotional activities of our new products and features, special offers and advertising our products.
• V. To send periodic emails: the email address provided will be used to send information and updates pertaining to our site and our services. It may also be used to respond to your inquiries, and/or other requests. If the user decides to opt-in to our mailing list, they will receive emails that may include news, updates, related product, or service information, etc.
• VI. To identify and reduce fraudulent activity: we may use your information to detect, prevent, mitigate fraudulent activities such as risks associated with transactions, our systems and to monitor illegitimate activities.
• VII. To comply with the law: we may use your information when it is required to comply with legal obligations, financial, regulatory and for audit purposes.

3.2 Data Storage and Access

The data we collect from you is stored on our system servers. We take reasonable measures to protect your personal information from unauthorized access, use and/or disclosure. Although, we have adopted security measures appropriate which are in accordance with the industry practice, it does not assure or guarantee that no person will overcome or subvert the security measures and gain unauthorized access to your personal information. You should always ensure that your username and password are not shared with any third party to protect your personal information.

We may allow third party applications to access your information in cases where a need arises for verification of your data and other validation purposes. Amwal-Pay Group ensures that verification processes used by third party application will help to make your account safe from being used for fraud, any money laundering. By providing your personal information to us, you agree to the transfer to a third party, storing and processing of your personal information.

4 Your Rights Over Your Personal Information

You have certain rights over your personal information as per the applicable laws including the following:

• I. Request to erase the Personal Information: you reserve the right to request to remove any personal information provided that your personal information is required to comply with the applicable laws and regulations, for legal proceedings, compliance purposes, for any financial crime prevention purposes.
• II. Request for personal information transfer: you have the right to request to export your information to a third-party where technically and legally feasible.
• III. Request correction: you reserve the right to request to correct any information held by us where the personal information is incomplete, inaccurate, or outdated. This step will require verification of the new personal information provided.
• IV. Right to access your personal information: you have the right to receive a copy of your personal information that we hold, including certain information about how we are processing your personal information to the extent permissible by PCI-DSS and the financial data regulations.
• V. Right to object to direct marketing: you have the right to request not to process your personal information for direct marketing purposes. To unsubscribe from Marketing and promotional mails, visit Login details in merchant dashboard.

5 Disclosure of your Personal Information to Third Parties

Amwal-Pay Group may allow third party applications to access your information in cases where a need arises for verification of your personal information and other validation purposes. We ensure that verification processes used by third party application will help to make your account safe from fraud, any money laundering or illegal activities related to our services. We may disclose personal information to third parties for the purpose of providing payment services, promoting the business, as well as for legal reasons, as follows:

• I. Service Providers: we may share your personal information with a limited number of service providers when it is necessary to deliver services, such as identity verification services, infrastructure hosting, data analysis, payment processors, customer service, email delivery. These service providers may need to access personal information to perform their services. The service providers are primary located in the Oman etc..
• II. Business Partners: Amwal-Pay may share personal information with third-party business partners when it is necessary to provide the services to the Users such as acquiring banks.
• III. Legal Claims: Where necessary, Amwal-Pay Group may utilize your personal information to protect the interest, rights, property or safety of the Company, its employees and affiliates in the event of a legal claim and disclose them with any third party if we have a belief in good faith that access, use, maintenance or disclosure of the personal information is judiciously necessary to meet any applicable law, regulation, legal process or enforceable governmental request, and enforce applicable terms of service including investigation of potential violation, fraudulent and security issues.

6 Retention of your Personal Information

Amwal-Pay Group securely retains personal information in an identifiable format for the duration required by applicable laws and regulations in the jurisdiction where the service is being offered and business purposes. We may retain personal information for longer periods than required by law for business interests as long as it is not prohibited by applicable law or any regulatory agency/authority.

6.1 Third Party Websites

You may find advertising or other content on our website that provides links to the sites and services of our partners, suppliers, advertisers, sponsors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the contents published or practices employed by those websites.
Browsing and interaction on any other website, including websites which have a link to our site, is subject to their own terms and policies. We do not guarantee protection and privacy of information which you may provide to such websites.

6.2 Internet Cookies

Cookies are text files, used by your computer’s browser, that store visitor session data. Cookies, by themselves, do not identify the individual user. Cookies are commonly used on the Internet and do not harm your system.
Cookies are mainly used to measure web traffic, for keeping records and to let you know when you visit a particular site. But cookies never give us access to any other information other than what you chose to share with us.
Cookies also helps us in analyzing data to be used in improving our website, eventually giving you a better user experience. Users generally have the options to accept or decline cookies. However, please note that you will not get the full benefit of using the website if you chose to decline.
For more information on how we use cookies, please refer to our Cookie banner posted on the site. By using the Amwal-Pay site and accepting the cookie banner, you agree to be bound by our Cookie Policy.

6.3 Updating your Information

If your personal or professional information (such as your name, address, or telephone number) needs change, you must update your details by contacting Amwal-Pay on our Contact Us page.
To avoid inconvenience to all, Amwal-Pay Group strongly advices to keep all information up-to-date and correct. Amwal-Pay Group will be exempt from any responsibility in the rare event where losses may arise from not updating your information.

6.4 Contact Us

If you have questions, comments or complaints about this Privacy Policy or any action is required in relation to your personal information, please contact us at support@amwal-pay.com.