Privacy Policy

This privacy policy describes how SA’AF Capital collects, processes, uses, and protects personal data within the Kingdom of Saudi Arabia.

Data that may lead to the identification of a person, directly or indirectly, including but not limited to: first name, last name, family name, Saudi national ID number, addresses, phone numbers, and bank account numbers. The reference to "we" or "us," individually and collectively, includes all branches of SA’AF Capital Company that collect and use your data within the Kingdom of Saudi Arabia. The personal data we collect:

The data we collect varies depending on its intended use. However, here are examples of the data we collect:

The data collected through application forms, surveys, or other documents or communications. For example, but not limited to, full name, date of birth, and identification numbers.

Data about your transactions and products with us, such as account activity and product usage.

The data collected through your use of our services, websites, or mobile applications (such as cookies).

The data exchanged during our communication with you, such as customer service requests and visuals received from you either through our websites, mobile applications, social media accounts, or any channels we use to communicate with customers.

We collect and use data as required based on the nature of the services and operations. In most cases, our legal basis and purposes include, but are not limited to:

• Compliance with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.
Allow us to provide the products or services.
• To protect you from fraud by conducting identity and credit checks or conflict checks.
• Improving our products and services and your experience provided thru our channels.
• Understanding your needs as a customer and your eligibility for products and services.
• Promoting new investment and financial products and services that may interest you.

Many touchpoints help us collect your data, and some examples are:

When establishing the relationship and benefiting from the service, when you use our services, you become a client and benefit from our products.

Information exchange: when completing a form and submitting it on our website, mobile applications, email, social media posts, or by contacting the customer service center, or participating in promotional campaigns.

Interaction (social media) – any posts, interactions, or communication you have with us directly on social media channels.

Browsing pattern: Data about how you explore our website, the timing of your visit, the types of internet browsers, and how you were referred to our site.

Surveys – online web surveys that enable us to gather opinions on various topics. For example, what you like and dislike about the look and appearance of our website and mobile applications. Your valuable feedback enables us to improve the quality of the experience we provide to you as an organization.

From you personally: or from your authorized agent, or your legal representative.

In legally acceptable cases, from third parties and public sources. This includes government entities, companies, and credit information agencies.

Your personal data will be retained as long as necessary to fulfill the purpose for which it was collected. Kept within the Kingdom of Saudi Arabia.

Retained to meet any legal and regulatory requirements.

We ensure the appropriate protection of your data by using the necessary physical, technical, administrative, and procedural security measures and precautions to prevent unauthorized access, collection, use, disclosure, copying, modification, or disposal. We protect your data in a manner that complies with the applicable data protection laws and regulations in the Kingdom of Saudi Arabia. However, the internet is not completely secure.

We may share your data with any of the entities mentioned below:

Any court or any governmental or regulatory authority to comply with any obligations and requirements issued by legal and regulatory entities within the Kingdom of Saudi Arabia.

Any debt collection agent, licensed credit information service provider, or insurance company. Any service provider associated with SA’AF Capital to provide you with products or services, improve our products and services, enhance your experience through our channels, and promote new financial investment products and services that may interest you. You may be contacted and/or receive notifications through various channels such as SMS, email, and/or phone regarding our products and services.

We reserve the right to modify this privacy notice at any time. The effective date of the privacy notice, as mentioned below, refers to the most recent date on which this privacy notice was reviewed or modified. Checking the effective date below allows you to determine if there have been any changes since the last time you reviewed the privacy notice. Therefore, we advise you to periodically check this privacy notice to ensure you are aware of the updated version. The use of cookies to improve our customers' experience, our websites use a standard technology called "cookies" to collect information about how our websites are used, which may include your data. The use of cookies is essential for the operation of our websites.

This policy has been adopted starting from November 2024.

In case of any questions, you can contact us through any of our branches, email, live chat, or social media.

social media or through our website and mobile app.

This privacy policy does not aim to create any contractual rights of any kind or any other legal rights, nor does it create any obligations on us concerning any third party or on behalf of any third party. When you log in to third-party websites, this privacy notice will not apply. Additionally, we are not responsible for the content of any third-party websites and do not represent any third party. Therefore, we recommend that you review the privacy and security policy for each link you log into.