Summary of the privacy policy for the use of the services provided to you by Cartella (as defined below).
This simplified privacy policy applies to any user or visitor who uses the Services (as defined below) provided by Cartella.
What does Cartella do with your personal information?
Why?
Cartella is not a financial institution. We collect personal information (as defined in our Privacy Policy below), but we do not sell any financial products or services. We are only a service based on giving a comparison of information and a presentation of the available offers that are obtained from the official pages and websites of banks and institutions or from their telephone services.
What is it?
The types of personal information we collect and share depend on the type of financial services you request. Such personal information may include, but is not limited to, the following:
• Your name, address, email and date of birth. and your phone number
• Demographic data such as gender, age, marital status, etc.
• Data about your cards, banks, insurance, and mortgage preferences (without disclosing any data related to your accounts)
• Some authorizations for your credit score or income estimate level.
How?
The types of personal information we collect and share depend on the type of financial services you request. All financial companies may need to share personal information about their customers to run their day-to-day business. In the section below, we list the reasons why financial companies share personal information of their customers, and the reasons why Cartella shares personal information; How to limit the sharing of your personal information.
Who provides this privacy policy?
This privacy policy is provided by Cartella.
How does Cartella protect my personal information?
We use security measures and procedures that comply with local Egyptian regulations and international best practices to protect your personal information from unauthorized access and use. These measures include computer safeguards, secure files and cloud servers.
How does Cartella collect my personal information?
We collect your personal information, for example, when:
• provide us with your contact information such as an email or phone number;
• seek advice about financial services;
• Tell us what to look for in consumer financial products.
• Ask for our opinions on financial products.
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
We have safeguards in place not to collect private information such as sensitive financial information (account numbers, credit card codes, etc.) or other information that we consider sensitive.
Cancel email information
To opt out of any sharing of personal information, you may contact us using:
Contact us at info@cartellaegypt.com
Select any/everything you want to select, for example:
• Do not share information about my creditworthiness with your affiliates for their daily business purposes.
• Do not allow your affiliates to use my personal information to market their products and services to me.
• Do not share my personal information with unaffiliated companies to market their products and services to me.
Detailed Privacy Policy and Warning:
Definitions
“Personal Information” means any information that you provide to us when you use the Service that can be used, either on its own or in combination with any other information, to identify, contact or easily locate you, including but not limited to names, addresses, email addresses, or phone numbers.
We consider, personal information does not include information that has been anonymized so as not to allow a third party to easily identify a specific person.
The service collects your information
We Consider, personal information does not include information that has been anonymized so as not to allow a third party to easily identify a specific person.
We collect personal information that you provide to us when you use the Service including, but not limited to:
• Create an account to use our service. We also store your user account preferences and settings.
• Content that you provide when using the Service to obtain information, request more information, referrals, assistance, request more assistance, or any third-party products, use the Service, third-party related products and services, and communicate with us, including our customer support team.
• Collection of personal information. We collect personal information and may be used in accordance with this Privacy Policy.
• The work you do. We collect information about the actions you do when you use the Service. For example, when you interact with other users by submitting your content, the Service will collect the information you provide in those submissions, including any personal information.
• Information from cookies, automatic data collection and associated technologies. The Service collects and stores automatically generated information when you use it, including how you use it, your preferences and anonymous usage statistics. Most browsers allow you to block cookies and delete cookies. However, if you do this block, the service may not function properly.
• Log and usage data. When you use the Service, we and other service providers receive and record information on server logs from your browser including, but not limited to, your IP address.
• By using the Service, you authorize us to collect, analyze and retain personal information relating to the provision of the Service.
How does Cartella use your personal information?
We use personal information to:
• provide, maintain, facilitate and improve our Services;
• share this personal information with direct marketers to provide you with useful offers;
• Communicate with you. This includes your interaction with our mobile application or sending an email to the email address you provide to confirm ownership of your account, to show you targeted promotional and marketing offers, and for informational and operational purposes, such as account management, customer service, or system maintenance. You can unsubscribe from email by clicking on the link below to disable email.
We may use your personal information for any of the following purposes:
• Internal and service-related uses. We use information, including Personal Information, for internal and Service-related purposes only and may give it to any third party to allow us to facilitate the Service. We may use any personal information we collect and retain to provide and improve our Services.
• Marketing. We may use information, including personal information, to facilitate the transmission of information that may be useful, relevant, valuable or of interest to you.
• Total data. We may anonymize and aggregate data collected through the Service and use it for any purpose.
Cartella may disclose your information
When you use the Service, your personal information may be shared with other users. For example, Content you have posted by the Service may be displayed on the Service. Other users of the Service may be able to see all of the personal information you provide, such as any information in your Content. We are not responsible for the privacy practices of other users who view and use posted personal information.
When you use the Services, your personal information may be shared with third parties, including but not limited to:
• Social networks and other web sites. The Service may allow you to share information, including personal information, with other websites, such as Facebook, subject to their use of the information being subject to their terms of service and/or privacy policies, and you may be able to modify your privacy settings on their websites.
• Our service providers. We may share any personal information we receive with our suppliers and service providers that have been retained in connection with the provision of the Service.
• Business partners. We may share your personal information with any party we do business with. In addition, we may rent, sell, or share personal information about you with other people or unaffiliated companies for their direct marketing purposes. We may allow access to other data collected by the Service to enable the delivery of online advertisements on this Site, or to facilitate the transmission of information that may be useful, relevant, valuable or otherwise of interest to you.
• As required by applicable laws and similar disclosures We may access, preserve, and disclose your personal information, account information and other content if we believe it is required or appropriate to comply with law enforcement requests and legal process, such as a court order or subpoena, or respond to your requests; or Protect the rights, property, and safety of us, you, or others.
• Other service providers in case of merger, sale or any other form of share transfer. If we engage in a merger, acquisition, due diligence financing, restructuring, bankruptcy, receivership, sale of company assets, or transfer of service to another provider, your personal information may be sold or transferred as part of this transaction to To the extent permitted by law and/or contract we are not responsible for how these entities use or disclose personal information.
In the event you delete your account, all information, including personal information, will remain available and/or viewable on our servers. By using our Service, you authorize us to disclose any information, including your personal information, in accordance with this Privacy Policy without any additional requirements.
Safety
• We take essential steps to ensure that your personal information is treated securely and in accordance with this Privacy Policy. Unfortunately, however, the Internet cannot be guaranteed to be 100% secure, nor can we guarantee the complete security of any personal information you provide to us. We will not accept any responsibility for the inadvertent disclosure of such personal information. We do our best to encrypt any personal information we collect, such as your address or phone number.
• By using the Service or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues related to your use of the Service. If we become aware of a security breach, we may attempt to notify you electronically by posting a notice on the Service or sending you an email.
• If you use the mobile application, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account name and password. Cartella reserves the right to refuse to provide you with the Service, terminate accounts, remove or modify content or cancel orders in its absolute discretion. The mobile application may only be used for legitimate purposes. The account owner is fully responsible for all activities that occur under the account name or password.
• By subscribing, accessing and using the mobile application, you agree to receive notifications of account status as well as promotional emails from the mobile application. You may opt out of receiving promotional emails by clicking on the link at the bottom of any email, but you cannot opt out of receiving account status notifications via emails/SMS notifications.
Children's privacy
• We do not want children under the age of eighteen (18) years old to use the Service. We do not knowingly collect any personal information from children under the age of 18. By using the Service, you represent, warrant and represent that you are above the age required under the laws of your country to use the Service.
• If you know that your child has provided us with personal information without your consent, you can alert us at info@cartellaegypt.com. If we learn that we have collected any personal information from children under the age of 18, we will immediately take steps to delete such personal information and terminate the child's account.
Changes to our privacy policy and practices
We may revise this Privacy Policy from time to time. If we do, we will let you know by changing the date at the bottom of this Privacy Policy. The revised version will be applicable when it is published. If you are concerned about how your personal information is being used, please (save this page) bookmark this page and read this privacy policy periodically.
New uses of personal information. From time to time, we may wish to use personal information for uses not previously disclosed in previous versions of this Privacy Policy. If our practices with respect to previously collected personal information change in a manner that, in our absolute discretion, may be considered less restrictive than those practices contained in the versions of the Privacy Policy that were in effect at the time we collected the personal information, we will use reasonable efforts to provide notice and obtain consent for any Such uses as required by law.
By continuing to use the Service after the Privacy Policy becomes effective, you agree to be bound by the revised Privacy Policy.
Cancel email information
To opt out of any sharing of personal information, you may contact us using:
• Send us your request via e-mail with your name, address, telephone, screen names/user ID and e-mail. You can email us at: info@cartellaegypt.com
• Select any/everything you want to select, for example:
• Do not share information about my creditworthiness with your affiliates for their day-to-day business purposes.
• Do not allow your affiliates to use my personal information to market their products and services to me.
• Do not share my personal information with unaffiliated companies to market their products and services to me.
Property rights
You agree that all content included on or contained in the Mobile Application or any official pages or websites, including information, data, software, photographs, graphics, videos, music, sounds and other materials, is protected by copyright, trademark, patent, or other rights Other proprietary rights are valid and protected in all forms of media and technologies that exist now or developed in the future.
Fraudulent communications alert
Cartella understands that fraudulent communications - particularly emails - are sent to members of the public purporting to be official correspondence from or on behalf of Cartella, using Cartella's name and/or brand. Oftentimes, these unsolicited communications claim to offer employment opportunities, employment within Cartella or imply that the recipient has won a competition or sweepstakes. Cartella has not authorized and is not responsible for any of these communications. Cartella advises members of the public to exercise caution with any request to provide any personal or confidential information. Cartella is not responsible for any of the above types of fraudulent, deceptive communications. Cartella will never ask you to obtain confidential information about you except through its own platforms or through its customer interface channels. Cartella will not email employment opportunities to you and will not email any user regarding their account information and requested change.
Cartella Continuity
All policies on the mobile application govern your visit to Cartella. If any provision of the Terms and the Privacy Policy is held to be unlawful, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
What is the applicable law and dispute resolution mechanism?
Any dispute arising out of or in connection with this Privacy Policy, including any question regarding its existence, validity or termination, shall be finally resolved by arbitration under the arbitration rules of the Cairo Regional Center for International Commercial Arbitration, the number of arbitrators shall be one. The seat or place of arbitration shall be Cairo/Egypt, the parties agree to submit to the exclusive jurisdiction of the Cairo Regional Center for International Commercial Arbitration. The language used in the arbitration shall be Arabic.
Notwithstanding the foregoing, in the event of any breach or threat of breach of the Privacy Policy, Cartella may request any court of competent jurisdiction to issue an injunction prohibiting the disclosure of any confidential information or intellectual property rights and any and/or all appropriate remedies fair, which includes, but is not limited to, implementation in-kind. This compensation shall be in addition to any appropriate monetary compensation to cover damages and reputational damage due to unauthorized disclosure of confidential information and/or intellectual property rights.
You acknowledge and agree that confidential information and intellectual property rights are valuable and unique and that the mere disclosure of information in violation of this Privacy Policy results in irreparable and irreparable harm to Cartella.
This Privacy Policy and the services provided by Cartella under this Privacy Policy are governed by the laws and regulations of Egypt.
October 2021