{"id":465,"date":"2025-03-23T14:48:59","date_gmt":"2025-03-23T14:48:59","guid":{"rendered":"http:\/\/morafin.test\/?page_id=465"},"modified":"2025-05-18T08:27:28","modified_gmt":"2025-05-18T08:27:28","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/morafinance.com\/en\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n<section\n    class=\"banner bg-img d-flex align-items-center position-relative overflow-hidden\"\n    style=\"background-image: url('https:\/\/morafinance.com\/app\/uploads\/2025\/03\/Terms-and-Conditions.png'); min-height: 60vh\"\n>\n    <div class=\"overlay z-index-1\"><\/div>\n    <div class=\"container position-relative z-index-2 h-100\">\n        <div class=\"slide-wrapper h-100\">\n            <div class=\"slide-content h-100\">\n                <div class=\"content h-100\">\n                    <div class=\"spacer-50\"><\/div>\n                    \n                                            <h2 class=\"heading text-white fw-400 mb-0\">\n                            <b>Your Security<\/b> <span class=\"mx-1\">Is Our Top Priority<\/span>\n                        <\/h2>\n                                            \n                                                                \n                                            <p class=\"desc text-blue50 font-18 fw-300 line-height-24 col-md-10 \">\n                            <span class=\"text-primary\">At Morafinance,<\/span> we understand the importance of keeping your financial information secure. We employ robust security measures and advanced technologies to protect your personal and financial data. Rest assured that when you bank with us, your security is our utmost priority.                        <\/p>\n                        <div class=\"spacer-10\"><\/div>\n                                        <div class=\"spacer-120\"><\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 is_first\">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <h2 class=\"mb-0 font-54 font-black fw-900 text-blue500\">Privacy Policy <\/h2>\n            <div class=\"spacer-25\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>Personal Data Privacy Policy Notice<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The privacy of your Personal Data is very important to Mora Finance, as it maintains the highest levels of customer service. This Privacy Notice is created in compliance with the Kingdom of Saudi Arabia\u2019s Personal Data Protection Law (PDPL) and NDMO Management Standards. This Privacy Notice explains the data we collect, why we collect this data and how we handle it throughout its lifecycle.<\/span><\/p>\n<h3><\/h3>\n<p><b>When does Mora collect your Personal Data?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Once you use application or contact customer service or visit the website) the data collection is started via the data entered or read through the servers or through the authorization of the user directly (when asked to provide data).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may give us your identity, contact, resume by filling in forms or by corresponding with us by phone, and email or otherwise. This includes the sharing of Personal Data for the following purposes:<\/span><\/p>\n<h3><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Records of your interactions with us, such as emails and other correspondence and your instructions to us.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing your feedback.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By filling in forms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By interacting with us on social media platforms such as Facebook, Instagram and LinkedIn etc.<\/span><\/li>\n<\/ul>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><ul>\n<li aria-level=\"1\"><b>Use of cookies<\/b><\/li>\n<\/ul>\n<p><b>Log Files:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Log information is data about your use of the service, such as IP (Internet Protocol) address, browser type, referring\/exit pages, operating system, date\/time stamps, and related data, which is stored in log files.<\/span><\/p>\n<p><b>Cookies:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">To improve Mora\u2019s customer experience, Mora\u2019s websites use a standard technology called &#8220;cookies&#8221; to collect information about how Mora\u2019s websites are used, which may include your data. The use of cookies is essential for the operation of Mora\u2019s websites.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cookies may be used for many purposes, including to enable certain features of Mora\u2019s service and remember your preferences, your equipment, browsing actions, and patterns, to understand better how you interact with Mora\u2019s service, to provide you advertising on and off the service, and to monitor usage by visitors and online traffic routing. You may be able to instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the online services you visit. If you do not accept cookies, however, you may not be able to use all portions of Mora\u2019s service or all functionality of Mora\u2019s service.<\/span><\/p>\n<p><b>Third parties<\/b><b>\u00a0<\/b><b>or publicly available sources<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mora collects personal data from trusted third parties \u2013 as mentioned below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Governmental third parties, e.g. Elm. Yakeen. NFATH and SIMH.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Analytics providers such as Google and Facebook.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social media platforms such as Facebook, Twitter, Instagram or LinkedIn<\/span><\/li>\n<\/ul>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>What Personal Data do Mora collect?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">All data required for the execution and fulfillment of contracts, including but not limited to full name, ID number or residence number, place of residence, workplace, financial and credit information.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When using the Mora app, creating an account, applying for products, or contacting us, we reserve the right to collect a range of data and information, including the following:<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account information: Email address, registered devices, account status, and age.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Device information: Data that can identify your device, such as the device&#8217;s serial number or information about your device.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contact information: Data such as name, email address, physical address, phone number, or other contact details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment information: Data related to billing address and payment methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraud prevention information: Data used to help detect and prevent fraud.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Location information: Your current location only.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial information: Details including salary and income information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government identity data: Legally, we are required to collect your national ID information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other information you provide to us: Interactions with customer support and contact through social media channels.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Data related to your products and transactions with us: Such as account activity and product usage.<\/span><\/li>\n<\/ul>\n<h3><\/h3>\n<p><b>How and why does Mora use your Personal Data?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">There are many contact points that help us collect your data. Below are a few examples:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>During onboarding and service utilization<\/b><span style=\"font-weight: 400;\"> &#8211; When you use Mora\u2019s services, become a customer, and benefit from Mora\u2019s products.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Information exchange<\/b><span style=\"font-weight: 400;\"> \u2013 When you complete and upload a form to Mora\u2019s website, mobile apps, email, or social media posts, call the customer center, or participate in promotional campaigns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interaction (social media)<\/b><span style=\"font-weight: 400;\"> \u2013 Any posts, messages, or interactions you carry out with us directly on Mora\u2019s social media channels.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Browsing patterns<\/b><span style=\"font-weight: 400;\"> \u2013 Data on how you explore Mora\u2019s website, the timing of your visits, the types of internet browsers you use, and how you were referred to Mora\u2019s website.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Surveys<\/b><span style=\"font-weight: 400;\"> \u2013 Online web surveys that enable us to gather feedback on topics, such as what you like and dislike about the look of Mora\u2019s website and mobile apps. Your valuable feedback enables us to improve the quality of the experience Mora provided to you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>You personally<\/b><span style=\"font-weight: 400;\"> or your authorized agent or legal representative.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>In legally accepted cases<\/b><span style=\"font-weight: 400;\">, from third parties and public sources. This includes government entities and credit information companies and agencies.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mora may also use your Personal Data in the following situations, which are likely to be rare:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where Mora needs to protect your interests (or someone else&#8217;s interests);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where it is needed in the public interest or for official purposes, and legal purposes.<\/span><\/li>\n<\/ul>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>Legal Basis and Purposes for the Collection and Use of Your Personal Data<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mora&#8217;s purpose for collecting data is to execute and fulfill contracts licensed by the Saudi Central Bank. This includes purposes such as evaluating your application or carrying out your instructions, or otherwise as specified in these terms, or as notified to you in any terms, agreements, or other notices (whether in written, verbal, or electronic form) provided to you. For example, but not limited to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complying with any obligations and requirements issued by legal and regulatory authorities within the Kingdom of Saudi Arabia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing products or services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protecting you against fraud by conducting identity, credit, and conflict checks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improving Mora\u2019s products, services, and your experience across Mora\u2019s channels.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understanding your needs as a customer and your eligibility for products and services.<\/span><\/li>\n<\/ul>\n<h3><\/h3>\n<p><span style=\"font-weight: 400;\">Mora\u2019 may use your personal data to promote new investments and financial products and services that may interest you; however, Mora will request your explicit consent before such promotions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mora may also use your Personal Data for other purposes that are not incompatible with the purposes Mora have disclosed to you (such as archiving purposes in the public interest, scientific or historical research purposes, or statistical purposes) if and where this is permitted by applicable laws.<\/span><\/p>\n<p><b>Change of purpose<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mora will only use your Personal Data for the purposes for which Mora collected it unless Mora reasonably considers that Mora needs to use it for another reason, and that reason is compatible with the original purpose.\u00a0<\/span><\/p>\n<h3><\/h3>\n<p><b>Disclosure of Your Personal Data\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the owner of the personal data consents to the disclosure in accordance with the provisions of the law.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the personal data was collected from a publicly available source.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the entity requesting the disclosure is a public authority, for security purposes, to enforce another law, or to fulfill judicial requirements in accordance with the provisions set by the regulations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the disclosure is necessary to protect public health or safety, or to protect the life or health of an individual or specific individual. The regulations outline the controls and procedures related to this.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the disclosure is limited to subsequent processing in a way that does not lead to the identification of the personal data owner or any other individual specifically. The regulations outline the controls and procedures related to this.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disclosure may be made to a licensed debt collection agency or a credit information service provider or insurance company.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disclosure may be made to an affiliate or any related service provider for the purpose of providing you with products or services, improving Mora\u2019s products and services, enhancing your experience across Mora&#8217;s various channels, and promoting new financial investment products and services that may interest you.<\/span><\/li>\n<\/ul>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>How does Mora protect your Personal Data?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Mora ensures that your data is appropriately protected using the physical, technical, administrative, and procedural security measures and precautions required to prevent unauthorized access to or collection, use, disclosure, copying, modification, or disposal of your data.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Mora protects your data in a manner consistent with the relevant data protection laws and regulations applicable in the Kingdom of Saudi Arabia. However, you should note that the Internet is not completely secure.<\/span><\/p>\n<p><b>Means of Preservation<\/b><\/p>\n<p><span style=\"font-weight: 400;\">All data is stored in a digital database by applying security procedures, policies, and measures, where all the information you provide to us is stored on our secure servers behind firewalls in accordance with the relevant regulations.<\/span><\/p>\n<p><b>How is Data Processed?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Data is processed according to the available methods to fulfill the purpose of data collection. For example, decisions may be made entirely based on the automated processing of personal data.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Storage of Your Personal Data<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Your personal data will be:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retained for as long as necessary to fulfil the purpose for which it was collected.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retained to meet any legal, regulatory and legislative requirements<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>How to Destroy Data<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Data is destroyed in accordance with the provisions of the relevant regulations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Rights of the Data Owner\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The data owner has rights as determined by the relevant regulations, including the right to modify data, file a complaint, and request data destruction, all in accordance with the provisions of the relevant regulations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>What are your data protection rights?<\/b><\/p>\n<p><b>You must inform us of changes<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It is important that the Personal Data Mora holds about you is accurate and current. Please keep us informed if your Personal Data changes and by sharing your updated details with Mora\u2019s Data Protection Officer (DPO) at <\/span><a href=\"mailto:dataoffice@ijarah.sa\"><span style=\"font-weight: 400;\">\u00a0on dataoffice@ijarah.sa<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Your Rights Under PDPL<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Personal Data Protection Law (\u201cPDPL\u201d) provides certain rights in relation to your personal data.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to be Informed<\/b><span style=\"font-weight: 400;\">: Data Subjects have the right to be informed about the legal basis and the purpose of the collection of their personal data.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Access<\/b><span style=\"font-weight: 400;\">: The right to access the Personal Data held by Mora.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Obtain Data in Readable Format<\/b><span style=\"font-weight: 400;\">: Data Subjects have the right to request obtaining their Personal Data held by Mora in a readable and clear format.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Data Deletion<\/b><span style=\"font-weight: 400;\">: Data Subjects have the right to request the destruction of their Personal Data held by Mora when such Personal Data is no longer needed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Timely Responses<\/b><span style=\"font-weight: 400;\">: Mora is obliged to respond to Data Subject requests pertaining to their rights within specified timeframes and using specified methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Rectify Data<\/b><span style=\"font-weight: 400;\">: Data Subjects have the right to request the correction, completion, or updating of their Personal Data held by Mora.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Withdraw Consent<\/b><span style=\"font-weight: 400;\">: Data Subjects have the right to withdraw their consent for processing their Personal Data at any time, given that it shouldn\u2019t affect processing on a legal basis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Right to Complaint<\/b><span style=\"font-weight: 400;\">: On becoming aware of any privacy incident, the Data Subject may also complain to the competent authority within a period of 90 days from the date of such incident, providing the following information:<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Place and time of the violation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Name, identification, address, and telephone number of the complainant.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Information about the complained entity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clear and specific description of the violation.<\/span><\/li>\n<\/ul>\n<p><b>Time limit to respond<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Mora tries to respond to all legitimate requests within 30 days. Occasionally, it may take us longer than a month if your request is particularly complex or you have made a few requests. In this case, Mora will notify you and keep you updated.<\/span><\/p>\n<p><b>If you wish to exercise any of the rights set out above, please contact us at <\/b><a href=\"mailto:dataoffice@ijarah.sa\"><b>dataoffice@ijarah.sa<\/b><\/a><\/p>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>Licensing of Required Mobile Application Privacy Permissions and Their Purpose<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Permissions for various mobile privacy features are requested to improve the quality of use, including:<\/span><\/p>\n<p><b>Location<\/b><span style=\"font-weight: 400;\"> \u2013 To obtain an accurate location by relying on the global positioning service provider and the telecommunications network provider.<\/span><\/p>\n<p><b>Internet<\/b><span style=\"font-weight: 400;\"> \u2013 To access the internet and verify the SSL certificate.<\/span><\/p>\n<p><b>Send SMS<\/b><span style=\"font-weight: 400;\"> \u2013 To verify the user&#8217;s mobile phone number.<\/span><\/p>\n<p><b>External Storage<\/b><span style=\"font-weight: 400;\"> \u2013 The application requests this permission to allow adding the user&#8217;s photo to their profile in the application.<\/span><\/p>\n<p><b>Camera<\/b><span style=\"font-weight: 400;\"> \u2013 To take a picture to be used in the client&#8217;s profile.<\/span><\/p>\n<p><b>Phone Status<\/b><span style=\"font-weight: 400;\"> \u2013 To know the serial number of the user&#8217;s mobile SIM card and allow sending SMS through SMS service providers.<\/span><\/p>\n<p><b>Fingerprint \/ Face Recognition<\/b><span style=\"font-weight: 400;\"> \u2013 For fingerprint verification when logging into the application.<\/span><\/p>\n<p><b>Phone Call<\/b><span style=\"font-weight: 400;\"> \u2013 To make a phone call.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Sharing your Personal Data\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In compliance with the requirements of the Personal Data Protection Law (PDPL) Mora Finance may disclose your Personal Data to third parties in the following scenarios:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where we have your explicit Consent e.g. SIMAH<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where your personal data in scope is already in public domain and has been collected from a publicly available source.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When needed for security purposes, compliance with another law, or the execution of a court order e.g. sharing with tax authorities, fulfilling judicial requirements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When needed for Public Health, Public Safety, Protecting Individual(s) Lives\/Health.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the shared data is completely de-identified and it\u2019s impossible to identify any individual, either directly or indirectly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sharing with a debt collection agency, credit bureau or insurance business to protect the interests of Mora Finance and to prevent instances of fraud or any other illegal practices.<\/span><\/li>\n<\/ol>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n\n\n\n<section class=\"heading-with-content position-relative z-index-9 \">\n    <div class=\"container\">\n        <div class=\"wrapper bg-white\">\n            <div class=\"spacer-45\"><\/div>\n                        <div class=\"font-18 text-blue400\"><p><b>What<\/b> <b>Mora may need from you?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mora may need to request specific information from you to help us confirm your identity and ensure your right to access the information (or to exercise any of your other rights). This is another appropriate security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mora may also contact you to ask you for further information in relation to your request to speed up Mora\u2019s response.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Indemnity and Limitation of Liability<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You agree to defend, indemnify, and hold harmless MORA, its officers, directors, and employees from and against any and all claims, liabilities, damages, losses, or expenses, including settlement amounts and reasonable legal fees and costs, arising out of or in any way connected with your access to or use of this site.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although the organization shall make every attempt to keep the website free from viruses, it cannot guarantee that it is virus\/ malware free. For your own protection, you should take necessary steps to implement appropriate security measures and utilize a virus scanner before downloading any information from the website.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">MORA, its officers, directors and employees, shall not be liable in any manner whatsoever for any direct, indirect, incidental, consequential, or punitive damage resulting from the use of, access of, or inability to use the information available on the website or the services provided by the organization. MORA, its officers, directors and employees shall not be liable in any way for possible errors or omissions in the contents in the website.<\/span><\/p>\n<p><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Intellectual Property Rights<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">All information on this website is protected by copyright and other intellectual property rights. No images, text or other content from this website may be distributed or reproduced without prior written approval from the organization.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Changes to the Privacy Notice<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mora Finance reserves the right to amend this Privacy Notice at any time. The effective date of the Privacy Notice, as stated below, indicates the most recent date on which this Privacy Notice was reviewed or modified. Checking the access date below allows you to determine whether there have been changes since the last time you viewed the Privacy Notice. Therefore, Mora advises you to periodically check this Privacy Notice to ensure that you are aware of the most updated version.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This Notice was amended in August 2024.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Contact Us<\/b><\/p>\n<p><span style=\"font-weight: 400;\">If you have any questions or concerns about privacy violations, you can contact us through any of Mora\u2019s branches or by email, social media, or through Mora\u2019s website and mobile app.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Disclaimer<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This Privacy Notice is not intended to create any contractual rights of any kind or any other legal rights or to create any obligations for us toward any other party or on behalf of any party. When you log in to any third-party website, this Privacy Notice will cease to apply. In addition, we are not responsible for the content of third-party websites and do not represent any third party. Therefore, Mora recommend that you review the Privacy and Security Policy for each link you log in to.<\/span><\/p>\n<\/div>\n            <div class=\"spacer-35\"><\/div>\n        <\/div>\n        <div class=\"spacer-45\"><\/div>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-465","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/pages\/465","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/comments?post=465"}],"version-history":[{"count":2,"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/pages\/465\/revisions"}],"predecessor-version":[{"id":749,"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/pages\/465\/revisions\/749"}],"wp:attachment":[{"href":"https:\/\/morafinance.com\/en\/wp-json\/wp\/v2\/media?parent=465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}