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Privacy Policy

  1. Application and purpose
    1. This Privacy Policy (the “Privacy Policy”) constitutes an integral part of your Agreement (as applicable) with Barq Pakistan, a company registered and operating in Pakistan (referred to in this Privacy Policy as “ barq ”, “ we ”, “ us ” and “ our ”). It applies to you whether you are using or accessing barq’s electronic wallet services as a consumer or a merchant, as well as the authorised person to access and/or manage the merchant’s wallet account and related services, in respect of the barq electronic payments platform and the extended services as described further at: www.barq.com.
      Accordingly, this Privacy Policy applies to you and us whether you are setting up, accessing, operating, or using a Barq Wallet Account via the App (pursuant to the Barq Consumer Terms and Conditions) or an Account via the Merchant Portal and any ancillary Merchant-specific app (pursuant to the Barq Merchant Terms and Conditions), as may be applicable (the “Platform”). Terms used in this Privacy Policy have the same meaning as ascribed to them in your corresponding Agreement unless the context requires otherwise.
      We take your privacy seriously and want you to be reassured whenever you use or access the Platform. We process your personal data (“Personal Data”) in accordance with the applicable laws and regulations governing data protection and privacy in Pakistan.
  2. What Personal Data we collect and for what purposes
    1. As an individual user of the App, we collect the following types of Personal Data about you:

      1. Personal Data provided by us, including full name, mobile number, national ID, residency cards, passport number, national address, current location, and date of birth for the purposes of downloading the App, creating an account on the App, and using the services offered via the App.

      2. Personal Data provided by you to us, including salary, employment sector, fund receipt, fund expenditure patterns, fingerprints, and face ID for the purposes of creating an account on the App, conducting AML/KYC activities, and using the services offered via the App, and to respond and cooperate with any competent enforcement authority in respect of national security, laws, and judgments.

      3. Personal Data provided by you to us or by authorized credit bureaus and regulatory bodies in Pakistan, in respect of offering you any service or product, including but not limited to credit card details, details of financial products or debts, credit score, and performance data for the purposes of evaluating your credit profile, conducting risk assessments, and assisting with determining issuing amounts for debts, any other product, or liability.

      4. Personal Data provided by you to us when you use the App, including information relating to the transactions you carry out, details of any bank accounts you transact to and from the App, fingerprints, face ID, and IP address localization data for the purposes of enabling browsing the App, using the services offered via the App, and purchasing goods or services available on the App.

      5. Personal Data provided by you to us, including full name, e-mail address, mobile number, and account name on the App for the purposes of sending advertising material and carrying out promotional activities, marketing, and/or direct sales of Barq’s products and/or services.

      6. Personal Data provided by or verified through government-approved service providers to us, including but not limited to relevant national databases and third-party verification services, which may include your full name, biometrics, mobile number, date of birth, national ID number, passport number, address, records, personal assets, bank and credit card numbers for the purposes of KYC/AML/CTF, customer segmentation or such other classifications and categorizations, customer onboarding, account opening, and offering of certain services or products.

    2. As a Merchant or authorised person (as may be applicable) setting up, accessing or using an Account pursuant to the Merchant Terms and Conditions and any related extensions, we collect the following types of Personal Data about you:

      1. Personal Data provided by you to us, including details of your commercial registration and tax registration number, full name of authorized representative, proof of authority, mobile number, national ID, residency cards, passport number, national address, current location, fingerprints, face ID, and other officially registered biometrics and date of birth for the purposes of setting up and accessing the Account and using the Wallet Services, including but not limited to, for accessing the Merchant Portal and downloading and using any computer or mobile apps specific to a Merchant and for conducting AML/KYC requirements.

      2. Personal Data provided by you to us concerning the name of your employees, their salaries, positions, mobile numbers, national IDs, passport numbers, and bank accounts' details (for the purpose of using payroll services) and such Personal Data concerning your customers and suppliers, including their mobile numbers, bank account details, and nature of business and the description and amounts of your corresponding transactions with them as may be required for using the Digital Disbursement and Collection Services.

      3. Personal Data provided by you to us or by authorized credit bureaus and regulatory bodies in Pakistan, in respect of offering you any service or product, including but not limited to credit card details, details of financial products or debts, credit score, and performance data for the purposes of evaluating your credit profile, conducting risk assessments, and assisting with determining issuing amounts for debts, any other product, or liability.

      4. Personal Data provided by you to us when you use the Merchant Portal, including information relating to the transactions you carry out, details of any bank accounts you transact to and from the Account, and IP address localization data for the purposes of offering any specific Wallet Services such as but not limited to availing any promotions that involve coupons, codes, or geofencing and offering of your products and/or services via the Marketplace.

      5. Personal Data provided by you to us, including full name, e-mail address, and mobile number of the Merchant and the Merchant’s personnel (as may be requested pursuant to the Wallet Services that you may avail) for the purposes of sending advertising material and carrying out promotional activities, marketing, and/or direct sales of Barq’s products and/or services within the boundaries and guidelines set pursuant to the applicable laws.

      6. Personal Data provided by or verified through government-approved service providers to us, including but not limited to relevant national databases and third-party verification services, which may include your full name, biometrics, mobile number, date of birth, national ID number, passport number, commercial registration details, unified ID, proof of authority to represent the Merchant, address, records, personal assets, bank and credit card numbers for the purposes of KYC/AML/CTF, customer segmentation or such other classifications and categorizations, customer onboarding, account opening, and offering of certain services or products.

    3. You agree and undertake pursuant to your Agreement with us to provide us only with Personal Data that are accurate, complete, up-to-date, and relevant for the purpose for which they are collected. We will take reasonable steps to ensure that your Personal Data are accurate, complete, up-to-date, and relevant for the purpose for which they are collected but will not be responsible for any inaccuracy, incompleteness, outdatedness, or irrelevance of the Personal Data, including whether the foregoing is a consequence of your error or omission, unless such inaccuracy or incompleteness is a result of our own error or omission.