Privacy Policy

Personal data refers to any information that could lead to identifying a person directly or indirectly. This includes, but is not limited to, first and last names, identity numbers, addresses, contact information, banking information, as well as commercial registration details, ownership information, and transactions made through the platform.

You provide us with the following information about yourself:

• Personal Data: Last name, first name, previous names, gender, date, and place of birth.
• Contact Information: Email address, national and work address, contact phone number.
• Entity Data: Commercial registration information, ownership details, founding contract, date of establishment, and business activity.
• Identity: National ID/residence number, passport, and similar documents.
• Financial Information: Bank account number, credit or debit card numbers, financial records, and authentication-related information.
• Login Information: Account login details, including login credentials and encrypted passwords.
• Correspondence: Information you provide by filling out any of our forms or by communicating with us, whether face-to-face, by phone, email, online, or otherwise.
• Marketing: Details of any marketing preferences you provide to us.

We automatically collect the following when you use our website or applications:

• Technical Information: Such as your IP address and device identifier.
• Information About Your Visit: Such as your specific URL and interactions with the website.
• Location Data: With your consent, based on your IP address, coordinates, or unique device identifier.
• Networks and Communications: When you interact with us, for example, through social media.

We may also collect any phone number you use to contact our customer service team (including call metadata, such as call date, time, and duration) or interact with the social media channels you use to communicate with our customer service team. We may record calls for training and performance purposes, to create clear records, and for legal reasons.

“We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.”

Nqoodlet may receive personal data about you from other individuals, companies, or third parties acting on your direction, our partners who work with us to provide our products and services, assist us in security and fraud prevention matters, and other legitimate sources.

• Individuals: Nqoodlet may collect data about you from other individuals, for example, if the company issues an account for you.
• At Your Direction: You may direct third parties or other individuals to share data with Nqoodlet. For example, you may instruct a telecommunications company to share data about your account with Nqoodlet to activate your account.
• Government Entities and Nqoodlet Partners: We may also validate the information you provide—such as when creating a new account—through a third party and/or government entities for security and fraud prevention purposes.
• For Research and Development Purposes: We may record how you use the platform and applications to improve the user experience.

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

• We only use your personal data when we have a valid legal basis to do so.
• Compliance with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.
• Allowing us to provide products or services.
• Protecting you from fraud by conducting identity and credit checks or ensuring there is no conflict.
• Improving our products and services and your experience through 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.
• Communication: To respond to your correspondence, communicate with you about your transactions or account, market our products and services, provide other relevant information, or request information or feedback. From time to time, we may use your personal data to send important notices, such as correspondence and communications about purchases and changes to our terms, conditions, and policies. Due to the importance of this information in your interaction with Nqoodlet, you may not be able to opt out of receiving these important notifications.
• Security and Fraud Prevention: To protect individuals, employees, and Nqoodlet and for loss prevention and fraud prevention purposes, including protecting individuals, employees, and Nqoodlet in the interest of all our users.

Nqoodlet only retains personal data as long as necessary to fulfill the purposes for which it was collected, including as stated in this Privacy Policy or in service-specific privacy notices, or as required by law. We will retain your personal data for the period necessary to fulfill the purposes outlined in this Privacy Policy and our service-specific privacy summaries. When determining retention periods, we carefully consider whether it is necessary to retain the collected personal data and work to retain personal data for the shortest period allowed by law.

• We may share your data with any of the parties listed below:

  • Any court or government or regulatory authority to comply with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.
  • Any debt collection agent or licensed credit information service provider or insurance company.
  • Nqoodlet may share personal data with affiliated companies, service providers acting on our behalf, partners, and others based on your directions. Additionally, Nqoodlet does not share personal data with third parties for the purposes of third-party marketing.
  • You may be contacted and/or receive notifications through various channels such as SMS and/or email and/or phone regarding our products and services.

We use a range of measures to keep your personal information secure and protect it from unlawful processing, accidental loss, destruction, or damage. Considering the nature of personal data and processing, and the risks involved in a manner consistent with the relevant data protection regulations and laws applicable in the Kingdom of Saudi Arabia. We continuously improve these protective measures to help maintain the security of your personal data. This is done using necessary physical, technical, administrative, and procedural security measures to prevent unauthorized access, collection, use, disclosure, copying, modification, or disposal. However, the internet is not completely secure.

Although we do our best to protect your personal information, we cannot guarantee the security of information transmitted.

From time to time, our website and applications may contain links to external sites. If you follow a link to any of these sites, please note that these sites have their own privacy policies. Please check these policies before submitting any personal data to these sites. We are not responsible for the privacy policies or content of these sites.

The company reserves the right to make any minor or major modifications to the terms of this Privacy Policy from time to time. Therefore, we advise you to check this Privacy Notice periodically to ensure you are aware of the updated version. Registered customers will be notified of any changes to the Privacy Policy.

Nqoodlet’s websites, online services, interactive applications, emails, and advertisements may use “cookies” and other technologies such as pixel tags and web beacons. These technologies help us better understand user behavior, tell us which sections of our website users have visited, and facilitate the effectiveness of ads and web searches, and help evaluate them. We treat the information collected through cookies and other technologies as non-personal information. However, to the extent that IP addresses or similar identifiers are considered personal information under local law, we treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for purposes related to this Privacy Policy.

If you would like more information about the collection, use, disclosure, transfer, or processing of your personal data, or to exercise any of the rights mentioned above, please contact us through the contact form and address your message to the legal department.