1. PRIVACY NOTICE
sahb Finance (“sahb”, “company”, “we”, “our”, “us”, “organization”) respects your right to data privacy. In this Notice “You” or “Your” refers to the data subject whose personal data is obtained and processed by sahb Finance .
This Privacy Notice (“Notice”) provides information about how sahb Finance handles personal information about you and describes the rights you may have regarding your personal information. This Notice applies to sahb Finance and its online and offline collection, use, and disclosure of personal information.
sahb Finance has an obligation to preserve the confidentiality and privacy of the user’s data and information.
sahb Finance shall not collect, process or disclose any personal data or information except in accordance with the specific controls provided in the instructions governing the confidentiality of information issued by the regulatory authorities in the Kingdom like PDPL and NDMO, including all amendments applicable to them from time to time.
Any personal data or information categorized as sensitive shall be collected, processed and retained in line with the guidelines provided by laws and regulations of the NDMO and PDPL.
2. PERSONAL DATA COLLECTION, PROCESSING & DISCLOSURES
1. When does sahb Finance Collect Personal Information About You
This information is collected when you request our services through any of sahb’s business development channel including but not limited to our website or email, including the terms in which your personal information is shared by members within sahb Finance.
We will only collect and use your personal data in accordance with the requirements of KSA’s PDPL.
2. What Types of Personal Information does sahb Finance Collect and Retain
· When you request our services, we collect information to help identify and contact you, including, but not limited to, your name, email address, physical address, telephone number (landline and/or mobile) and ID number. If we create a customer account, we will collect basic personal information, contact data, date of birth and national identity information to provide you with our services.
· When you visit our site, we collect information about the device you use to access our online services. This includes device ID and browser details while using our online
· We collect your IP address and information related to that IP address, such as geographical information and domain information.
· We collect different types of personal information about you from various sources. Described below the categories of personal information we may have collected through different sources.
· What We Collect
o Name (first, last name)
o Demographic Information (age, gender, and nationality)
o National address.
o email address, telephone number(s).
o National ID, Iqama Number
o CR number
o Date of birth.
o Information collected via cookies.
o Professional Employment details (Employer Name, Employer Information)
o Audio and electronic recording, for example, when you call in with a question to customer service.
o Legal information.
o Financial information.
3. How We Collect Your Personal Data
· When you directly provide us your Personal Data to us.
· When we collect and verify your Personal Data from other sources. such as, licensed credit bureaus, regulatory bodies, public entity, financial and regulatory authorities.
· In some cases, we collect certain data based on your Consent, which ensures that we use your data only in ways that you agreed to.
3. Purpose for Collecting & Processing Personal Information
We process your personal data in accordance with the PDPL based on the following legal grounds:
· Consent: When you have explicitly consented to the processing of your personal data for a specific purpose.
· Contractual Necessity: Where processing is necessary for the performance of a contract with you.
· Legal Obligation: Where we are required by law to process your data.
· Legitimate Interests: Where processing is necessary for our legitimate interests, such as fraud prevention or enhancing security, provided those interests do not conflict with your rights under the PDPL.
· To verify your identity and create an account.
· To prevent fraud and unauthorized disclosures of your personal information.
· To record and demonstrate how we have conducted the dispute and complaint resolution process and arrived at a resolution.
· For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable laws incumbent upon sahb Finance.
4. How Long Does sahb Finance Keep Personal Information?
We will keep your information for as long as we need it for the business, legal, and regulatory purposes it is being processed for in line with laws and regulations of NDMO and PDPL.
We will actively review the information we hold and delete/remove it securely when there is no longer a legal, business, or regulatory need for it to be retained.
5. With whom does sahb Finance share Your Personal Information?
sahb Finance shares your personal information with different member organizations (third parties) to whom you consent to disclose your personal data. Prior to sharing personal data with these member organizations, we review the services performed by such member organizations and require that the member organizations keep personal data confidential and secure and not use it for any purpose except for performing the agreed upon services.
6. Disclosure for Legal reasons:
We may share personal data with third parties to comply with valid legal requirements such as Saudi law, regulations, search warrants, subpoenas, court orders, or other legal processes.
7. Will We Inform You of Changes to This Privacy Notice?
If we change this Privacy Notice, we will let you know about the changes by publishing the updated version on all applicable communication channels. sahb Finance is committed to protecting and respecting your privacy.
8. Your Rights under PDPL
Under Saudi Arabia’s Personal Data Protection Law, the owners of personal data are entitled to the below rights. However, the rights to the data subject shall be disbursed in accordance with the regulatory and legal obligations incumbent upon sahb Finance .
§ Right to request information on the processing activities carried out with their personal data.
§ Right to request access to their personal data.
§ Right to request correction, updating, or completion of their personal data.
§ Right to request erasure of personal data in specific cases.
§ Right to withdraw consent in specific cases.
For any queries and complaints, you can contact us through our customer care portal on our website www.sahbfinance.com.sa or call us +966 114404430.
9. Method for Accessing, Correcting Or Modifying Personal Information.
If you believe any information on your personal credit report is inaccurate or incomplete, you can tell us specifically why you think it’s inaccurate or incomplete.
You can call us at our customer care number +966 114404430 or email us your query at info@sahbfinance.com.sa
10. What SAHB May Need from You
Sahb may need to request specific information from you to help confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is an essential security measure to ensure that personal data is not disclosed to any individual who is not authorized to receive it. sahb may also contact you to ask for additional information related to your request to expedite our response.