Privacy policy

You provide information by filling in forms on our App or any Baraka-owned Website Services, or by corresponding with us for example by telephone, e-mail or any other digital or electronic form. You may provide information when you are registering using the Baraka-provided online client portal, or downloading and registering to use the App, or where you are searching for the App in app stores (including but not limited to the Apple App Store and the Google Play Store). You may also share data via the App's social media functions, or when you report a problem with the App, or any of our Website Services. If you contact us, Baraka will keep at least an electronic record of such correspondence, including relevant personal information shared at that time. The personal information you give us may include your name, address, e-mail address and phone number, certain device information, username, password, residential building, work address, photograph and other registration information you choose to provide ("Personal Information" or "Personal Data"). It may also include balance and transaction data, including but not limited to your transaction information such as the value, merchant, merchant type, credit or debit type, and dates and times of transaction.

The Website Services or App collects and processes Personal Data for specific, lawful purposes such as for our obligations in compliance with anti-money laundering regulations. We may also process your data to enter a contract with you or for delivery of the contract you have already entered with us, or for the performance of tasks carried out in the interests of Baraka. Some data we collect will be mandatory data. Where we require your Personal Information for legal reasons or for another mandatory reason, where we will advise you of the possible effects of not providing us with Personal Information.

Apart from providing information for specific services or purposes as directed by Baraka, processing User-provided contributions of content or contact information regarding or about children are expressly prohibited.

Cookies

A cookie is a small text file that is unique to the web browser on your computer or mobile device, which is used to retain user preferences, and enhance browsing experience ("Cookie"). Baraka uses Cookies to track overall site usage and enables us to provide a better user experience. We do not use Cookies to "see" other data on your computer or determine your email address.

Types of cookies we drop and the information collected using them include:

Essential

• Google Tag Manager – helps make tag management simple, easy and reliable by allowing marketers and webmasters to deploy website tags all in one place.

Site Analytics

• Google Analytics – gives website owners the digital analytics tools needed to analyse data from all touchpoints in one place, for a deeper understanding of the customer experience.
• Pingdom – monitors sites and servers on the internet, alerting the website owners if any problems are detected.
• Hotjar – by combining both analysis and feedback tools, Hotjar helps website owners understand what users want, care about and interact with on their website by visually representing their clicks, taps and scrolling behavior.

Advertising

• DoubleClick – a subsidiary of Google which develops and provides Internet ad serving services.
• Twitter Advertising – enables website owners to track and measure the actions users take after viewing or engaging with ads on Twitter.
• Facebook Advertising – lets website owners measure, optimise and build audiences for advertising campaigns.
• LinkedIn Analytics – enables website owners to promote their company updates to targeted audiences on desktop, mobile, and tablet.

Most browsers accept and maintain Cookies by default. Check the 'Help' or 'Settings' menu of your browser to learn how to change your Cookie preferences. You can choose to alter Cookies settings related to the use of our Website Services, but this may limit your ability to access certain areas of the Website.

Alternatively you may wish to visit an independent source of information, www.aboutcookies.org, which contains comprehensive information on how to alter settings or delete Cookies from your computer as well as more general information about Cookies. For information on how to do this on the browser of your mobile phone you will need to refer to your handset manual or network operator for advice.

Information we collect about you and your device

Each time you use our Website Services or App we will automatically collect the following information:

• technical information, including the type of mobile device you use, a unique device identifier (for example, mobile network information, your mobile operating system, the type of mobile browser you use, device token, device type, time zone setting ("Device Information"));
• details of your use of our Website Services or App including, but not limited to traffic data, weblogs and other communication data, and the resources that you access ("Log Information").
• location information, if the Website Services or App uses GPS technology to determine your current location. If you wish to use the particular feature, you may be asked to consent to your data being used for this purpose. You can alter your consent and sharing selections at any time via your mobile device settings.

Other information we may collect through your use of the Website Services or the App

When you use any Website Services or the App, we may collect Personal Information as well as demographic information, for example information that you submit, or that we collect, which may include, but is not limited to, postcode, hometown, gender, username, mobile network information, your mobile operating system, the type of mobile browser you use, time zone setting, device location, IP address, SMS data, transaction information, age/birth date, browsing history information, searching history information, and registration history information ("Demographic Information").

We may use Personal Data which you provide to us or we collect from you to:

• Provide, maintain, and improve our App and Website Services, including, for example, to facilitate payments, send receipts, provide products and services you request (and send related information about them), develop new features, provide customer support, authenticate Users, send administrative messages and contact you (including by telephone) for feedback about our services;
• Perform internal administration and operations, including, for example, to prevent fraud and abuse of our Website Services, to troubleshoot software bugs and operational problems, to conduct data analysis, testing and research, or to monitor and analyze usage and activity trends;
• Send you communications we think will be of interest to you, including information about products, services, promotions, news, and Baraka events, and to process contest, sweepstake, or other promotion entries and fulfill any related awards;
• Notify you about changes to our App and Website Services;
• Allow you to participate in any interactive features of our App or Website Services;
• Keep our App and Website Services safe and secure; and
• Personalize and improve the App and Website Services, including to provide or recommend features, content, social connections, referrals, and advertisements.

We may share Personal Data which we collect about you as described in this Privacy Policy or as described at the time of collection or sharing, including as follows:

Through our Website Services or the App

We may share your Personal Data:

• With third parties to provide you a service you requested through a partnership or promotional offering made by a third party or us; and,
• With third parties with whom you choose to let us share your Personal Data, for example other apps or websites that integrate with our API or Website Services, or those with an API or Service with which we integrate;

We may share your Personal Data:

• With Baraka subsidiaries and affiliated entities;
• With vendors, consultants, marketing and advertising partners, and other service providers who need access to such Personal Data to carry out work on our behalf or to perform a contract we enter into with them;
• In response to a request for information by a competent authority or government entities if we determine that such disclosure is in accordance with, or is otherwise required by, any applicable law, regulation, or legal process;
• With law enforcement officials, government entities or authorities, or other third parties as required by applicable law;
• With third parties in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing, or acquisition of all or a portion of our business by or into another company;
• If we otherwise notify you and you consent to the sharing;
• With third parties in an aggregated and/or anonymized form which cannot reasonably be used to identify you.

Baraka has established policies and procedures for securely managing information and protecting Personal Data against unauthorized access. We continually assess our data privacy, information management and security practices. We do this in the following ways:

• Establishing policies and procedures for securely managing information;
• Limiting employee access to viewing only necessary information in order to perform his or her duties;
• Protecting against unauthorized access to Personal Data by using data encryption, authentication and virus detection technology, as required;
• Requiring service providers with whom we do business to comply with relevant data privacy legal and regulatory requirements;
• Monitoring our websites through recognized online privacy and security organizations;
• Conducting background checks on employees and providing training to our employees.

We may change this Privacy Policy from time to time and without notice. If we make significant changes in the way we treat your Personal Data, or to the Privacy Policy, we will endeavor to provide you notice through the App or Website Services or by some other means, such as email. Your continued use of the App or Website Services after such notice constitutes your acceptance of the changes. We encourage you to periodically review this Privacy Policy for the latest information on our privacy practices. We provide links to it through:

• The App or Website Services;
• Reference it in our Terms of Use; or,
• Our contracts, agreements, and other documents, as necessary or appropriate.