Privacy Policy
Effective Date: 1/1/2018

1. Introduction
We,"Dakahlya Businessmen’s Association for Community Development" , our values your privacy and is committed to protecting the personal information of our clients, employees, and stakeholders. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data in compliance with applicable laws and regulations.

2. Information We Collect
We may collect the following types of information:

• Personal Information: Name, date of birth, address, phone number, email, government-issued identification, and financial details.
• Transactional Information: Loan applications, repayment history, account details, and transaction records.
• Employment Information: Income details, employer information, and occupation.
• Technical Information: IP addresses, device information, and browsing behavior when using our website or mobile application.

3. How We Use Your Information
We use the collected information for the following purposes:

• Processing loan applications and managing financial transactions.
• Verifying identities to prevent fraud and comply with regulatory requirements.
• Communicating with clients about their accounts, updates, and marketing offers (where applicable).
• Conducting data analysis to improve our products and services.
• Ensuring the security of our systems and customer data.

4. Information Sharing and Disclosure
We do not sell or rent personal data. However, we may share information with:

• Regulatory Authorities: To comply with legal and regulatory obligations.
• Service Providers: Third-party vendors assisting in processing transactions, credit assessment, and fraud prevention.
• Affiliates and Partners: With consent, for financial services and benefits that may interest you.
• Legal Compliance: When required by law, court order, or to protect our legal rights.

5. Data Security
We implement appropriate technical and organizational measures to protect personal data from unauthorized access, loss, misuse, or disclosure. These measures include encryption, secure data storage, and access controls.

6. Retention of Personal Data
We retain personal data only as long as necessary for legal, regulatory, and operational purposes. Once no longer required, we securely dispose of or anonymize the data.

7. Your Rights and Choices
Depending on applicable laws, you may have the right to:

• Access, correct, or update your personal information.
• Request the deletion of your data, subject to legal requirements.
• Object to the processing of your data for marketing purposes.
• Withdraw consent where processing is based on consent.

8. Cookies and Tracking Technologies
Our website may use cookies and similar technologies to enhance user experience, analyze website traffic, and support marketing efforts. You can manage your cookie preferences through your browser settings.

9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the revised effective date.

10. Contact Information
For inquiries or to exercise your data rights, contact us at:

Dakahlya Businessmen’s Association for Community Development
51 Hosney Mobarak st, Khalifa building, El Mansoura, Egypt.
sme@dbacd-eg.org
+020502200283 ,  +201223948583