What personal data is collected?


Abdul Latif Jameel United Finance Company may collect your personal data that would directly or indirectly identify you specifically when combined with other data, including but not limited to: Your name, personal identification numbers, addresses, contact numbers, bank and credit card account numbers, your still or moving photos, and other personal data.

When you use our services, you will need to provide us with your personal data or the details of those individual(s) who will be involved in supporting your credit application. We collect the following categories of personal information:

  • Information you provide to the Company to complete and manage your credit or service request from us.
  • Information collected during your interaction with us.
  • Information about your credit history.
  • Information about services we have provided you in the past.
  • Information about online registration and other interactions.
  • Information about your use of our websites, branch visits and mobile applications.
  • Information about your device and your location if you are browsing http://www.aljfinance.com or using our mobile application, for example your IP address or unique device identifier is a numeric code that can act as a unique identifier for your computer or other device - it can be turned off from your device.



The purpose of collecting personal data


What is our legal basis for using your personal information?

The Company will only process your personal information if we have a legal basis to do so. The legal basis depends on the company's reason or reasons for collecting and needing to use your information. Under Saudi personal data protection laws in almost all cases, the legal basis will be:

  • Because we need to use your information so that we can process your credit application and otherwise carry out our contract with you.
  • Because it is in the Company's legitimate interests as a finance company to use your personal information to operate and improve our business as a credit provider.
  • Because the Company needs to use your personal information to comply with a legal obligation.
  • To protect the vital interests of you or someone else.
  • Because you have consented to the Company using your information for a specific purpose.

The specific main purposes for which we use your personal information are:

  • To fulfill your credit request and provide the services you have requested.
  • To manage your loan during its term.
  • To send you status updates and service communications.
  • To track you in advance of your payment due date.
  • To help maintain your financial responsibility during the payment process.
  • To provide services tailored to your requirements and treat you in a more personal way.
  • Conduct market research and analyzes.
  • To carry out marketing including online advertising and to inform you about the Company's products and services.
  • Doing targeted online advertising.
  • To improve our websites, products and services.
  • For administrative and organizational purposes.



How we collect your personal data, including indirect ways


We collect personal information about you when you apply for financing or request after-sales services, or when you use our services (whether such services are provided by us or by other companies or agents acting on our behalf), including when you visit our offices or branches, or When you use our website or mobile applications, or interact with us via email or phone call.

In addition, we may receive personal information about you from third parties, such as:

  • Companies we contract with to provide services to you.
  • Companies that provide us with credit reports, such as SIMAH, Bayan, and others.
  • Government agencies that provide national data.
  • Companies that provide us with details under their privacy policies governing the sharing of personal data.



Is your personal data shared with third parties?


Your personal information may be shared with companies within our group. Marketing emails will only be sent to you from other companies within our group where you have given your consent to those companies. We may also disclose your personal information to the following third parties for the purpose described here:

  • Your payment history, including arrears, defaults and late payments.
  • Providers of fraud screening services to process payments and (when necessary) perform fraud screening.
  • In response to a valid legal request from government and law enforcement agencies.
  • Third party service providers whom we use to provide services that involve processing data, for example, to carry out marketing initiatives or conduct customer surveys on our behalf.
  • Third parties, such as law firms and courts, to enforce or enforce any contract with you.
  • Third parties, such as police and regulatory authorities, to protect our rights, property or the safety of our customers, employees and assets.
  • We may provide usage information (but not your personal details) to other websites so that they know that you have visited our websites

We do not sell personal information to third parties, and only allow third parties to send you marketing information where we have your consent to do so.




Duration of retention of personal data


We will keep your information for as long as we need it for the purpose for which it is being processed. For example, when you obtain a credit loan or car lease ending in ownership, we will retain information about your account, so that we can fulfill the specific arrangements you have made, and after that, we will keep the information for a period that enables us to address or respond to any complaints, inquiries or concerns regarding your account , including legal requirements.

The information may also be retained so that we can continue to improve your experience with us and to ensure that you receive any credits due to you.

We will actively review the information we hold and securely delete it, or in some cases make it anonymized, when there is no longer a legal, business or customer need to keep it. If you stop interacting with us as a customer, we will remove or anonymize your information after passing legal requirements.




Your personal rights


Your rights include:

  • You can ask us to stop sending you marketing messages. To learn how to change your marketing permission, please refer to the Privacy Choices Center If you ask us to stop, we will no longer be able to send you marketing communications. However, if you later apply for credit with us, we will need to send you communications about the services you have requested.
  • You can ask us to stop using your personal information when we do so under legitimate interests unless we need to deal with legal claims or we have other compelling legitimate reasons to override your rights.
  • You can ask us to stop processing your personal information for marketing purposes including analytics for targeted marketing purposes, including online advertising.
  • You can access the personal information we hold about you.
  • There are some limited exceptions to this right, such as information about others who have not consented to the release of their information and privileged information. Through the Privacy Choice Center you can exercise your legal rights and change how we use your data.
  • You can ask us to correct your personal information ("right of rectification") if this information is inaccurate by contacting us at privacy@aljfs.com
  • You can request that personally identifiable information be erased (or forgotten) through the Privacy portal.

To do this, we will remove information that identifies you from the data we hold in our active systems (“anonymization”). However, a separate, restricted copy of the identifying information will be retained for 10 years to fulfill our due process obligations.




Considerations:


We may need to keep certain items relating to the contract between you and the Company because we need them for our own legal and auditing purposes.

A record of your request including the personal information you provided in the application used to carry it out will be kept for 3 years.

In some circumstances, this may mean that we will not be able to provide all or parts of the services you have requested from us in connection with previous contracts or retain any preferences you have previously shared with us.

We cannot erase your personal information if you have taken out a credit loan in the past 10 years or if you have an unpaid balance. You can come back to us once this time period has elapsed and place an order.

We cannot erase your personal information if we determine that you have an open complaint with us or we have a previous case against you. We are required to keep this information in case there is a need to reopen the complaint.




Ensure the protection of personal data


To protect against loss, misuse, and alteration of information under our control, we have sophisticated physical, electronic, and administrative procedures in place. For example, our servers can only be accessed by authorized personnel and your information is shared with the appropriate need-to-know individuals to complete the transaction and provide the services you have requested. Access or change your personally identifiable information

To protect your privacy and security, we will verify your identity before granting access or making changes to personally identifiable information. If you have registered on our website, we will ask for your username and password in order to access your profile information.

Although we will endeavor to protect the confidentiality of your personally identifiable information, transmissions made over the Internet cannot be completely secure. By using this site or by signing on the printed version of it, you agree to:

  • You have read this notice and agree to everything contained therein.
  • You have been given the option to view the privacy policy and that you have reviewed it and agree to all its terms.
  • We will not be liable for disclosure of your information due to errors in transmission or unauthorized actions of third parties.