Privacy Policy for the "DAWLI pay" Application

Article 1: Collection of Personal Data

Data collected during registration:

• Full name, surname.

• Phone number.

• Email address.

• Bank account information (account number, IBAN, etc.).

• National ID document (number and scanned copy, if applicable).

Data collected during app use:

• Transaction history (payments, transfers, top-ups, etc.).

• GPS coordinates for locating branches or ATMs (when the client enables this feature).

• IP addresses and device information (model, operating system, etc.).

Additional data:

• Any information voluntarily provided by the client for support or complaints.

Article 2: Use of Personal Data

The collected data is used to:

• Provide and improve “DAWLI pay” services.

• Verify client identity and secure transactions.

• Send critical notifications about transactions or changes to terms of use.

• Personalize user experience and offer tailored services.

• Prevent fraud, money laundering, and other illegal activities.

• Comply with legal and regulatory obligations.

Article 3: Data Protection

Security measures:

• The Bank uses advanced security protocols (encryption, firewalls, two-factor authentication, etc.) to protect client data.

• Login credentials and unique codes are strictly confidential and must not be shared.

Restricted access:

• Only authorized Bank employees may access personal data, limited to their job functions.

Data storage:

• Data is stored on secure servers in compliance with applicable security standards.

• Data is retained only as long as necessary to provide services or meet legal requirements.

Article 4: Data Sharing

Sharing with third parties:

• The Bank does not share personal data with third parties, except in the following cases:

  • With the client’s explicit consent.

  • When required by law, court order, or competent authority.

  • For third-party services essential to app functionality (e.g., SMS notifications), under agreements ensuring data protection.

International data transfers:

• If data is transferred outside the country, the Bank ensures adequate safeguards per applicable regulations.

Article 5: Client Rights

• Right to access: Clients may request access to their personal data.

• Right to rectification: Clients may correct inaccurate or incomplete data.

• Right to erasure: Clients may request data deletion, unless retention is legally required.

• Right to object: Clients may object to data use for marketing or non-essential purposes.

• Right to data portability: Clients may request a machine-readable copy of their data.

To exercise these rights, contact the Bank via the app or branch contact details.

Article 6: Cookies and Similar Technologies

• Use of cookies: The app may use cookies to enhance user experience, analyze performance, and customize services.

• Managing cookies: Clients may configure their device/browser to limit or disable cookies, though this may affect app functionality.

Article 7: Data Retention

• Personal data is retained only as long as necessary to provide services or comply with legal obligations.

• Unnecessary data is permanently deleted or anonymized.

Article 8: Policy Updates

• The Bank reserves the right to modify this Privacy Policy. Changes will be communicated via the app or other appropriate means. Continued use of the app after updates constitutes acceptance of the revised policy.

Article 9: Contact Information

For questions or to exercise your rights, contact:

• Address: INTERNATIONAL BANK of MAURITANIA(IBM-BANK) , Nouakchott, Islamic Republic of Mauritania.

• Email: support@ibm-bank.mr

• Phone: (+222) XXX XX XX XX