1. Privacy Notice
-
1.0 Overview
We take our obligations under KSA data protection regulations very seriously and we’re committed to keeping your personal data secure. The KSA National Data Management and Personal Data Protection Standards, by the National Data Management Office in accordance with the Saudi Authority for Data and Artificial Intelligence's Cabinet Resolution number (292) dated 27/04/1441H. This imposes obligations on us as a “data controller” when we collect, hold, amend, share, or otherwise use or erase/destroy (collectively referred to as “processing”) your personal data. It also gives you, as the “data subject”, rights over your personal data.
One such obligation is to process your personal data fairly, lawfully and in a transparent manner. This privacy notice is designed to help you understand what personal data we hold, why it is required, and how it is used. It also sets out some of your legal rights.
In this privacy notice, the terms “we”, “our”, “us” and “data controller” are used to refer to Dar Al Tamleek, where applicable.
-
1.1 Who This Privacy Notice Applies To
This privacy notice explains how we will use the personal data of:
- Anyone who asks for a decision in principle on whether we would grant a loan to them.
- Anyone who applies for or takes out a loan with us or has had a loan administered by us.
- Anyone who becomes or applies to become a party to an existing loan.
- Anyone who does or may guarantee a loan with us.
Each such person is referred to as “you” and “your” in this privacy notice.
-
1.2 How We Obtain Your Personal Data
We may receive personal data from various sources, including directly from the data subject and from other individuals who represent the data subject. We also collect personal data provided by customers through application forms, identification documents, and financial statements.
-
1.3 How We Use Personal Data
Personal data may be used to:
- Consider a customer's application for a loan or decision in principle.
- Manage our relationship with a customer, provide and administer the loan and other products and services they have with the company.
- Ensure that we have the information we need to consider a customer's application or decision in principle and administer the account and ensure that other authorized persons have the information they reasonably need.
- Identify and prevent financial fraud.
- Comply with regulatory obligations.
- Advertising and Promotional Communications
- We may use your contact information, including your email address and phone number, to send you advertisements, promotional messages, or special offers tailored to your interests and preferences. These communications may include:
- Emails: Promotional emails will include a clear unsubscribe option, allowing recipients to opt out at any time.
- Text Messages: Promotional text messages will be sent in compliance with applicable regulations and will be clearly labeled as "Promotional SMS."
- Opt-Out Options:
- For emails: Customers can click the unsubscribe link provided in the email.
- For text messages: Customers can block the sender from their device or request removal by contacting customer service at 8001240166. A call center representative will process the request and notify the marketing team to take the necessary action.
- We are committed to respecting customer privacy and ensuring that preferences are updated promptly.
-
1.4 Where Personal Data Is Processed
Information which you provide us is stored in our secure servers located in the Kingdom of Saudi Arabia (KSA) and is processed by staff located in KSA. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy notice.
-
1.5 How Long Personal Data Is Kept For
We will retain information about you for the period necessary to fulfill the purposes for which the information was collected. After that, we will anonymize or delete it.
The retention period may vary depending on the purposes for which the information was collected. Where a specific legal or regulatory requirement applies to your information, we will retain it for at least the period of time specified in such a legal or regulatory requirement.
-
1.6 Your Rights
You have a number of rights under the data protection regulations in relation to the way we process your personal data:
- Right to be Informed: You have the right to be informed about the legal basis and the purpose of the collection of your personal data.
- Right to Access: The right to access the Personal Data held by Dar Al Tamleek.
- Right to Obtain Data in Readable Format: You have the right to request obtaining their Personal Data held by Dar Al Tamleek in a readable and clear format.
- Right to Data Deletion: You have the right to request the destruction of the Personal Data held by Dar Al Tamleek when such Personal Data is no longer needed.
- Right to Timely Responses: Dar Al Tamleek is obliged to respond to employee requests pertaining to their rights within specified timeframes and using specified methods.
- Right to Rectify Data: You have the right to request the correction, completion, or updating of the Personal Data held by Dar Al Tamleek.
- Right to Withdraw Consent: You have the right to withdraw your consent for processing your Personal Data at any time, given that it shouldn’t affect processing on a legal basis.
-
Right to Complaint: On becoming aware of any privacy incident, the
Data Subject may also complain to the competent authority within a
period of 90 days from the date of such incident, providing the
following information:
- Place and time of the violation.
- Name, identification, address, and telephone number of the complainant.
- Information about the complained entity.
- Clear and specific description of the violation.
2. Cookie Notice
-
2.0 Use of Cookies
-
2.1 Why do we use cookies?
We use a limited number of cookies for several reasons. Some cookies are required for technical reasons in order for our websites to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track the use of our website. This is described in more detail in the table below.
-
2.2 What about other tracking technologies, like web beacons?
Cookies are not the only way to recognize or track visitors to a website. Some websites use similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enables website owners to recognize when someone has visited their website or opened an e-mail sent to them. This allows website owners, for example, to monitor the traffic patterns of users from one page to another within the website and to deliver or communicate with cookies.
-
2.3 Do you use Flash cookies or Local Shared Objects?
"Flash Cookies" (also known as Local Shared Objects or "LSOs") are used by some website owners to, among other things, collect and store information about your use of services, fraud prevention, and other site operations.
-
2.4 Do you use social networking cookies?
These cookies are used to enable you to share pages and content that you find interesting on our website through third-party social networking and other websites.
-
2.5 Do your cookies serve targeted advertising on our website?
Yes, we use cookies to enhance your experience by showing you relevant offers and finance solutions that match your needs and interests. These cookies help us tailor our marketing efforts so that you receive personalized content that may be of value to you.
You always have control over your cookie preferences and can manage them through your browser settings at any time.
-
2.6 Links to other websites
Our website contains links to other websites. If you access those other websites, they may use cookies. Please read any cookie privacy notices on those websites if you wish to know what cookies are being used.
-
2.7 How can I control cookies?
You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website, though your access to some functionality and areas of our website may be restricted. As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser's help menu for more information.
-
2.8 How often will you update this Cookie Notice?
We may update this Cookie Notice from time to time to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please, therefore, re-visit this Cookie Notice regularly to stay informed about our use of cookies and related technologies. The date at the footer of this Cookie Notice indicates when it was last updated.
-
2.9 Where can I get further information?
If you have any questions about our use of cookies or other technologies, please email our Data Protection Officer at [email protected].
| Types of Cookies | Who Serves These Cookies | How to Refuse |
|---|---|---|
| Essential website cookies:These cookies are strictly necessary to provide you with services available through our websites and to use some of its features, such as access to secure areas. | DAT | Because these cookies are strictly necessary to deliver the Websites to you, you cannot refuse them. You can, however, block or delete them by changing your browser settings, as described below under the heading "How can I control cookies?". |
| Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our websites. Without these cookies, certain functionality (like videos) may become unavailable. | Various | To refuse these cookies, please follow the instructions below under the heading "How can I control cookies?". |
| Analytics and customization cookies: These cookies collect information that is used in aggregate form to help us understand how our website is being used. This does not enable us to engage in targeted marketing. | Google Analytics | To refuse these cookies, please follow the instructions below under the heading "How can I control cookies?". |