Privacy Policy
Last Updated: November 2, 2025
Introduction
Welcome to Amwal Tech Inc. ("Amwal," "we," "us," or "our"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our authentication, identity orchestration, and payment services, including our website, mobile applications, and related services (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.
About Amwal
Amwal is a regulated Payment Service Provider licensed by Saudi Payments (Central Bank of Saudi Arabia) under license PSP013 and regulated in Abu Dhabi Global Market under tech license 00076. We provide frictionless biometric authentication, 1-click checkout solutions, and Buy Now, Pay Later (BNPL) services to merchants, financial institutions, and consumers across the Middle East.
Information We Collect
Personal Information You Provide
- Identity: Name, DOB, Nationality, ID numbers
- Contact: Email, phone, address
- Financial: Bank details, cards, history
- Auth Data: Biometrics, passkeys, device IDs
Collected Automatically
- Device: Type, OS, unique identifiers
- Usage: Pages viewed, time spent, clicks
- Location: IP address, geo-location
- Tech: Browser type, time zone
How We Use Your Information
- Service Delivery: Provide authentication, process payments, manage accounts.
- Security & Fraud: Detect fraudulent transactions, verify identity (AML/KYC).
- Legal Compliance: Comply with Saudi, UAE, and other applicable laws.
- Business Operations: Analyze usage patterns, R&D, data analytics.
- Marketing: Send promotional materials and personalized recommendations (with consent).
International Data Transfers
Your information may be transferred to Saudi Arabia, UAE, and other locations. We ensure safeguards such as standard contractual clauses and adequacy decisions are in place.
Data Security
We implement industry-standard security measures including:
Technical Measures
TLS/SSL Encryption, Multi-factor authentication, FIDO protocols, Penetration testing.
Organizational Measures
Access controls, Employee training, Confidentiality agreements, Incident response.
Data Retention
We retain personal information as long as necessary. Typical periods include:
- Transaction Records: 5-7 years (Financial regulations).
- Security Logs: 12-24 months.
- Marketing Data: Until consent is withdrawn.
Your Rights and Choices
Depending on your location, you have the right to:
Contact Us
If you have questions about this Privacy Policy or our data practices, please contact our privacy team.
Amwal Tech Inc.
[email protected]