Privacy policy

"Abgad 'Pharos for Consumer Finance' is a subsidiary of Pharos Holding Company. By utilizing Abgad's services, such as applying for or obtaining consumer financing, contacting us, using our website, or our mobile application ('Abgad application'), you entrust us with your personal data. Abgad is committed to responsibly collecting and processing your personal information in accordance with your privacy preferences. This policy is designed to elucidate how Abgad collects and utilizes your personal data when you engage with our services and become our customer."

1.    TYPES OF INFORMATION COLLECTED AND HOW WE COLLECT THEM
Personal Information You Provide:

We gather the followinf personal information you provide when utilizing our services, such as when you create an account, enroll in a product or service, or engage and communicate with us in other ways

• Identity Data includes your full name, date of birth, gender and other data on government-issued identification documents

• Contact Data includes your email address, home address, and telephone numbers

• Financial Data includes your bank account and payment card details, and information about your income and account balances

• Profile Data includes your username and password, purchases or orders made by you, your knowledge assessment results, and your interests, preferences, feedback, and survey responses

• Usage Information includes information about how you access and use our Services, such as your actions on the Services, including your interactions with others on the Services, photos or media you upload to the Services, and other content you provide (“Usage Information”).. If you need to update your permissions, you can do so in your device’s settings. Please remember that Abgad may, but has no obligation to, monitor, record, and store Usage Information in order to protect your safety or the safety of other users, to assist with regulatory or law enforcement efforts, to protect and defend our rights and property, or for other reasons relating to our provision of the Services. By using the Services, you consent to the recording, storage, and disclosure of such information you send or receive for these purposes.



Personal Information Collected Automatically:
As is true of many digital platforms, we collect certain personal information automatically when you visit our online services, including:

• Location Data To help us protect against fraud, provide our services to you, and improve our services, we collect location data, including current and historical information concerning a user’s geographic location, GPS location, transaction location, and IP addresses that they use in conjunction with our Services. We collect your precise location data with your permission, and use that information, for example, to help protect against fraud by detecting and declining debit card transactions that may occur far away from your device’s location. We collect information about your location through GPS, Wi-Fi, wireless network triangulation, or other methods in order to obtain your location. We may also approximate your location by your IP Address. We also use the Google Maps API to gather information about your location. Google uses various technologies to determine your location, including IP address, GPS, and other sensors that may, for example, provide Google with information on nearby devices, Wi-Fi access points, and cell towers (see Google’s Privacy Policy to learn more).


Personal Information from Other Sources and Third Parties:
We also obtain personal information from other sources, which we often combine with personal information we collect either automatically or directly from you.

• Third-party Data includes data that we collect from business partners, marketing, and vendor partners


• Publicly Available Data includes contact information, employment-related information, and other information from publicly available sources. We may combine this information with the information we collect from you directly. We use this information to contact you, to send you advertising or promotional materials, to personalize our Services, and to better understand the demographics of our users.

2. HOW WE USE YOUR INFORMATION


• Create and process your account and deliver the Services to you including to allow you to register for the Services and participate in interactive features and for Abgad to authenticate your identity, handle billing and account management, fulfill our legal and regulatory obligations and complete other administrative matters

• Send you transactional information including confirmations, invoices, technical notices, product and services information and announcements, software updates, security alerts, support and administrative messages, and information about your transactions with us

• Conduct credit checks before granting consumer financing

• Communicate with you such as to respond to your comments and questions, deliver newsletters or other content we believe you will be interested in, provide customer service or feedback, contact you about amounts owed, conduct surveys, notify you about upcoming events, or for any other purposes in connection with the Services

• Conduct research and analytics to understand our visitors and customers and tailor our product offerings

• Provide you with updates about products and services offered by us and selected partners`

• Monitor, administer, and enhance our Services including troubleshooting, data analysis, testing, research, statistical, and survey purposes

• Enhance the safety and security of our Services, business, and users, and investigate or provide notice of fraud or unlawful or criminal activity

• Perform audits and protect or exercise our legal rights or defend against legal claims, including to enforce and carry out contracts and agreements

• Comply with applicable laws and legal obligations

3. DISCLOSURES OF PERSONAL INFORMATION
We are committed to maintaining your trust, and we want you to understand when and with whom we may share the personal information we collect. We may share your personal information in the instances described below. For further information on your choices regarding your personal information, see the “Control Over Your Information” section below. We do not sell or rent your personal information to third parties, aside from substantial corporate transactions (described below).

• Authorized third-party vendors and service providers We share personal data with certain authorized and vetted contractors, subcontractors, third-party vendors, and service providers who help us run and protect our business. This includes sending emails, conducting business analytics, marketing, and data processing. For example, we may share personal data with service providers that identify and serve targeted advertisements or provide mailing services, tax and accounting services, contest fulfillment, web hosting, or analytics services


• Legal purposes We disclose personal data to respond to court orders, legal process, law-enforcement requests, legal claims, or government inquiries and to protect and defend the rights, interests, safety, and security of Abgad, our affiliates, users, or the public.

• With your consent We share personal data for any other purposes disclosed to you with your consent.


4. CONTROL OVER YOUR INFORMATION


• Account profile You may update certain elements of your account profile information by logging into your account.

• Access to your device data You may control the mobile app’s access to your device information in your device’s settings


5. CHANGES TO THIS POLICY
This Privacy Policy will evolve with time. To stay informed of our privacy practices, we recommend you review the Policy on a regular basis as you continue to use our Services.

6. HOW TO CONTACT US

     You can contact us through :

     Email support@abgad.com.eg or WhatsApp 01202066660 or call us on 15561