Privacy Policy.

Introduction

“Shaamilkar Tajir” operates as a mobile app available on Google Store (the “App”, “Application”, “we”, “us”, or “our”) and collects, uses, and discloses your personal information when you use our services, make a transaction, or otherwise communicate with us (collectively, the “Services”). For purposes of this Privacy Policy (the “Privacy Policy”), “you” and “your” means you as the user of the App and/or the Services, whether you are a customer, App visitor, or another individual whose information we have collected pursuant to this Privacy Policy.

Please read this Privacy Policy carefully. By using and accessing any of the Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

This Privacy Policy describes how we collect, use, disclose, store, and protect your personal information when you:

• download, install or use our App;
• create or maintain an account; or
• otherwise interact with our Services.

Your privacy matters to us, so please do take the time to get to know our practices. If you have any questions, feel free to contact us by sending an email to info@shaamilkar.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, technology, legal, or regulatory reasons. We will notify you of material changes by updating the “Last Updated” date or through in-app notifications where appropriate.

How We Collect and Use Your Personal Information

To provide the Services, we collect information about you from a variety of sources, as set out below. The information that we collect and use varies depending on how you interact with us.

In addition to the specific uses set out below, we may use information we collect about you to communicate with you, provide the Services, comply with any applicable legal obligations, enforce any applicable terms of service, and to protect or defend the Services, our rights, and the rights of our users or others.

What Personal Information We Collect

The types of personal information we obtain about you depend on how you interact with our App and use our Services. When we use the term “personal information”, we are referring to information that identifies, relates to, describes, or can be associated with you. The following sections describe the categories and specific types of personal information we collect.

Information We Collect Directly from You

Information that you directly submit to us through our Services may include, without limitation:

• Basic contact details including, but not limited to, your name, age, address, phone number, email, CNIC, place of residence, living since, residence type, date of birth, monthly income, payment or banking information (where applicable), profile picture, work/employment information (including occupation, occupation status, job description, and organization address), financial information, and referees’ information.
• Account information including your username, password, and security questions.
• Customer KYC & Financial Profile.
• Customer NADRA Verification Record.
• Customer support information including the information you choose to include in communications with us, for example when sending a message through the Services.

Some features of the Services may require you to directly provide us with certain additional information about yourself. You may elect not to provide this information, but doing so may prevent you from using or accessing these features.

Information We Collect through Using the Application

While using our Application, in order to provide its features, we may collect the following information, including but not limited to:

• device type, model, and operating system;
• unique device identifiers (such as device ID);
• IP address and network information;
• app usage data (features accessed, interaction logs); and
• log and diagnostic data (including crash reports).

Subject to your consent and device settings, we may access:

• Camera / Media: for identity verification (KYC) and document uploads.
• Storage: for uploading required documents.
• Location Data: where necessary for fraud prevention, compliance, or service delivery.

You may control these permissions through your device settings; however, disabling them may affect functionality.

Information We Obtain from Third Parties

We may obtain information about you from third parties, including vendors and service providers who may collect information on our behalf, such as:

• companies who support our App and Services;
• financial institutions and credit bureaus;
• identity verification and compliance service providers; and
• our payment processors, who collect payment information (e.g. bank account, credit or debit card information, billing address) to process your payment in order to fulfill your orders and provide you with products or services you have requested.

When you visit our App, open or click on emails we send you, or interact with our Services or advertisements, we — or third parties we work with — may automatically collect certain information using online tracking technologies such as pixels, web beacons, software developer kits, and third-party libraries.

Any information we obtain from third parties will be treated in accordance with this Privacy Policy. We are not responsible or liable for the accuracy of the information provided to us by third parties and are not responsible for any third party’s policies or practices.

How We Use Your Personal Information

• Verify your identity and comply with legal obligations. We process your information to verify your identity and comply with applicable legal and regulatory requirements. This includes know-your-customer (KYC) verification, anti-money laundering / counter financing of terrorism (AML/CFT), and other financial or compliance obligations imposed by law or regulatory authorities.
• Process transactions and facilitate financial services. We use your information to process transactions and facilitate any financial services made available through the App, including enabling payments, transfers, account operations, and interactions with third-party financial institutions or service providers.
• Providing Services and debt recovery. We use your personal information to provide you with the Services and to perform our contract with you to create, maintain, and otherwise manage your account. We may also use your personal information to contact you — by us or by our authorized personnel / organization — in the event of a default.
• Marketing and advertising. We use your personal information for marketing and promotional purposes, such as sending marketing, advertising, and promotional communications by email, text message, or postal mail, and to show you advertisements for products or services. This may involve tailoring our Services and advertisements to better match your interests.
• Security and fraud prevention. We use your personal information to detect, investigate, or take action regarding possible fraudulent, illegal, or malicious activity. If you register an account, you are responsible for keeping your credentials safe. If you believe your account has been compromised, please contact us immediately at info@shaamilkar.com.
• Communicating with you. We use your personal information to provide you with customer support and improve our Services, in our legitimate interests to be responsive to you and maintain our business relationship with you.
• Improve and optimize our App and Services. We may use collected information to analyze usage trends, improve functionality, debug, monitor performance, develop new features, and optimize the overall reliability and efficiency of our App and Services.

How We Disclose Personal Information

In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:

• with vendors or other third parties who perform services on our behalf (e.g., IT management, payment processing, credit check, data analytics, customer support, cloud storage);
• financial institutions and/or credit bureaus for credit check and/or credit scoring;
• KYC and/or AML/CFT service providers;
• with business and marketing partners, to provide services and advertise to you (they will use your information in accordance with their own privacy notices);
• with our affiliates or otherwise within our corporate group, in our legitimate interests to run a successful business; and
• to our professional advisors, law enforcement agencies, insurers, government, regulatory, and other organizations where we believe it is necessary to comply with applicable laws or to exercise, establish, or defend our legal rights, or protect the vital interests of any person.

We disclose the following categories of personal information about users for the purposes set out above:

We do not use or disclose sensitive personal information for the purpose of inferring characteristics about you.

What Are Your Data Protection Rights?

We make sure that you are fully aware of all your data protection rights. Every user is entitled to the following:

• The right to access — You have the right to request copies of your personal data. We may charge a small fee for this service.
• The right to rectification — You have the right to request that we correct any information you believe is inaccurate, and to complete information you believe is incomplete.
• The right to erasure — You have the right to request that we restrict the processing of your personal data, under certain circumstances and conditions.
• The right to object to processing — You have the right to object to the processing of your personal data, under certain circumstances and conditions.
• The right to data portability — You have the right to request that we transfer your personal data to another organization, or directly to you, under certain circumstances and conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at info@shaamilkar.com.

Security and Retention of Your Information

All data that you provide to us remains secure with us. We have implemented various security measures to protect your personal information, including but not limited to technical, operational, managerial, and physical security. We comply with all legal requirements and have implemented the required authorizations and authentication methods to provide you seamless and secure Services.

How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide the Services, comply with legal obligations, resolve disputes, or enforce other applicable contracts and policies.

Complaints

If you have complaints about how we process your personal information, please contact us using the contact details provided below. We will respond to your complaints accordingly.

Jurisdiction

This Privacy Policy shall be governed by and interpreted in accordance with the laws of the Islamic Republic of Pakistan.

Contact

Should you have any questions about our privacy practices or this Privacy Policy, or if you would like to exercise any of the rights available to you, please call or email us at info@shaamilkar.com.