Effective date: October 15, 2018
Al Mulla International Exchange Company KSCC ("us", "we", or "our") operates the website and the Al Mulla Exchange mobile application which is an international money remittance service (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
Information Collection And Use
We collect personal information about you from a variety of sources and you agree to the processing of this information for the purposes and ways utilized to improve the Services including the transfer of your personal information outside of the State of Kuwait and your country to other countries.
We collect personal information you supply when: (a) you ask us or one of our affiliated companies, Al Mulla Group Holding Company entities (“Affiliates”) to send or receive money sign up to or use any of our other products or services; (b) you submit personal information on applications or other forms to us or our Affiliates; or (c) you otherwise submit personal information to us, our Affiliates or others; We collect and generate personal information about you and your transactions with us or our Affiliates; We collect personal information about you from a variety of third party sources such as our business customers, government agencies and consumer and credit reporting agencies and other suppliers of information to assist us in providing you with the products or services requested or to assist us in running our business; We collect personal information when we are required to do so by law and as part of compliance programmes, in particular those related to anti-money laundering and preventing criminal and fraudulent activity; We collect personal information about the domain and host from which you access the Internet, your computer’s IP address, browser and operating system software, the date and time you access our website and the address of the site from which you linked to our website when you visit us; We may collect and retain your bank, payment card and other payment details when you use our services and for use in future transactions and services; and We collect personal information on your online activity as described in the paragraph below titled “TRACKING and COOKIES DATA .” The personal information we collect includes, but is not limited to, name, address, and telephone number, information about the form of identification used to send or receive a transaction (where we are required by law) including the identification and a copy of the identification document, transaction activity, bank account and payment information, the products and services you have with us and your use of them, and your computer’s IP address and other online activity details, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Address, State, Province, ZIP/Postal code, City
- Cookies and Usage Data
- Contact List
We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access the Service by or through a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- Security Cookies. We use Security Cookies for security purposes.
Use of Data
Al Mulla International Exchange Company KSCC uses the collected data for various purposes:
- To provide and maintain the Service
- To notify you about changes to our Service
- To allow you to participate in interactive features of our Service when you choose to do so
- To provide customer care and support
- To provide analysis or valuable information so that we can improve the Service
- To monitor the usage of the Service
- To detect, prevent and address technical issues
Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside Kuwait and choose to provide information to us, please note that we transfer the data, including Personal Data, to Kuwait and process it there.
Disclosure Of Data
Al Mulla International Exchange Company KSCC may disclose your Personal Data in the good faith belief that such action is necessary to:
- To comply with a legal obligation
- To protect and defend the rights or property of Al Mulla International Exchange Company KSCC
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
Generally, we and our affiliates worldwide may disclose your personal information, including, but not limited to, your name, customer ID number, address, transaction patterns and bank account information, (i) if we are required to do so by domestic or foreign law or legal process or (ii) to law enforcement authorities or other government officials for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity, and the recipients may further disclose the personal information for these and other related purposes.
Security Of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Firebase is analytics service provided by Google Inc.
We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245. For more information on what type of information Firebase collects, please visit please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Flurry Analytics service is provided by Yahoo! Inc.
You can opt-out from Flurry Analytics service to prevent Flurry Analytics from using and sharing your information by visiting the Flurry's Opt-out page: https://dev.flurry.com/secure/optOut.do
Links To Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
- By visiting this page on our website: https://www.almullaexchange.com/kwt/en_US/