Privacy Policy

Al-An Al-Khaligia for Consumer Microfinance (FLOOSS)

1. Who We Are
Al-An Al-Khaligia for Consumer Microfinance (“FLOOSS”, “we”, “our”, or “us”) is a licensed Saudi joint-stock company operating under CR No. 1010865347 and Unified Number 7032513272. Headquartered in the Kingdom of Saudi Arabia, FLOOSS is regulated by the Saudi Central Bank (SAMA) and provides digital, Shariah-compliant consumer microfinancing solutions through its mobile application, FLOOSS by Al-An Al-Khaligia for Consumer Microfinance, and its website.

FLOOSS is the data controller for all personal data collected through its platforms and is fully committed to protecting your privacy in accordance with the Personal Data Protection Law (PDPL) and other applicable Saudi laws and regulations.
2. Scope of this Policy
This Privacy Policy applies to all personal data collected through:
    • FLOOSS mobile app
    • FLOOSS website
    • Customer service channels (live chat, phone, email)
    • Any digital services integrated with our financing journey
This Policy does not apply to third-party websites or services accessed independently of FLOOSS.
3. What Personal Data We Collect
We may collect the following categories of personal data:
A. Identification and Contact Data
      • Full name, national ID or Iqama number
      • Date of birth, nationality, gender
      • Mobile number, email address
B. Verification & Compliance Data
      • Absher-verified identity information
      • GOSI employment and salary records
      • SIMAH credit report data
      • Yakeen integration data (via Elm
C. Device and Technical Data
      • IP address, device ID, operating system, browser type
      • Location data (via GPS, Wi-Fi, or Bluetooth)
      • Usage statistics from app/web interactions
D. Financial Information
      • Linked bank accounts or IBAN
      • Linked debit or credit cards
      • Transaction history
      • DBR (Debt Burden Ratio) and income verification data
E. Activity Logs and Preferences
      • Pages viewed, app interaction history
      • Support tickets, communications
      • Marketing preferences and opt-ins
4. How We Use Your Data
We collect and process your data for the following legal and business purposes:
A. To Fulfill Legal Obligations
      • Complying with AML, KYC, and SAMA regulations
      • Submitting required reports to regulatory authorities
B. To Provide You with Services
      • Creating and verifying your account
      • Assessing your eligibility for financing
      • Managing transactions and repayment schedules
C. For Legitimate Interests
      • Improving our app and services
      • Personalizing your experience
      • Monitoring usage for fraud prevention
      • Conducting internal audits, quality control, and support
D. With Your Consent
      • Sending marketing messages about new features or promotions (opt-out available)
      • Conducting surveys or market research
      • Accessing device tools (camera, storage) with permission

5. Disclosure of Your Personal Data
We may share your data under strict confidentiality with:

      • Internal staff authorized for service delivery
      • Government agencies (e.g., SAMA, SIMAH, GOSI)
      • Third-party service providers under strict contracts
      • Legal or regulatory authorities as required
      • Auditors, legal advisors, or payment gateway partners

We never sell or share your data with third parties for marketing without your explicit consent.

6. How We Protect Your Data
FLOOSS maintains advanced security protocols, including:
      • Data encryption in transit and at rest
      • Secure server hosting within Saudi Arabia
      • Restricted access by authorized personnel only
      • Regular security testing and incident monitoring
      • Role-based access and logging of data activities
7. Data Retention
We retain your personal data only for as long as necessary to fulfill:
      • Regulatory retention periods
      • Financing contract lifecycle
      • Dispute resolution or ongoing investigations
Data related to transactions or identity verification is stored on servers within Saudi Arabia and retained in compliance with applicable Saudi data protection laws.
8. Your Rights Under PDPL
You have the right to:
      • Access your personal data
      • Request correction or deletion of inaccurate information
      • Withdraw consent for non-essential processing
      • File a complaint with the Data Protection Authority
      • Request restriction of processing in specific circumstances
You may exercise these rights by contacting us via the channels listed below.
9. Cookies and Tracking
FLOOSS may use cookies on its website to enhance user experience, track session activity, and remember user preferences. These cookies do not collect identifiable personal data. You may manage or disable cookies through your browser settings.
10. Changes to this Policy
Al-An Al-Khaligia for Consumer Microfinance (FLOOSS) may amend this Policy from time to time. Updated versions will be made available via the app and website with prior notice of at least 30 days before any material changes take effect.
Continued use of our services indicates your acceptance of the updated terms.
11. Contact and Support
If you have any questions, concerns, or requests regarding your data or this Policy, you may contact our Data Protection Officer at:
privacy@flooss.sa
Or reach us via the FLOOSS app or website support channels.
12. Disclaimer
This Privacy Policy is intended to inform you of our data practices. It does not create any contractual relationship beyond what is governed under your agreement with Al-An Al-Khaligia for Consumer Microfinance (FLOOSS). When accessing third-party websites, you are subject to their own privacy terms and conditions.
This Policy is governed by the laws of the Kingdom of Saudi Arabia
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