1. Introduction / About Us
Naqda is a service offering international mobile top-up and related products via our website and app. We are committed to protecting your privacy and ensuring the security of your personal information. As the data controller, we determine how and why personal data is processed in connection with our services.
2. Scope
This policy applies to all users of our website, mobile applications, and services—including registered users, purchasers of top-ups, and anyone who interacts with us via customer support or other communication channels.
3. Personal Data We Collect
Account & Contact Information
Name, email address, phone number, postal address, and login credentials.
Payment Details
Credit card or payment method information, processed securely using industry-standard encryption and PCI compliance.
Transaction Data
Top-up amount, recipient phone number, mobile operator, currency, and transaction history.
Device & Usage Data
IP address, cookies, device identifiers, browser information, and usage patterns.
Marketing Preferences
Optional preferences for notifications, promotions, and marketing communications (only with your consent).
4. Why We Collect & Legal Basis
- Service Fulfillment: To process top-ups, handle payments, and provide customer support.
- Operational Needs: To ensure system security, conduct analytics, and improve our services.
- Marketing (with consent): To notify you about offers, updates, and relevant services when you opt-in.
5. How We Use Your Information
- • Facilitate mobile top-up transactions and payments
- • Communicate with you regarding orders, confirmations, and support
- • Analyze usage patterns to improve our services
- • Send marketing messages if you have consented (email, SMS, app notifications)
- • Prevent fraud and ensure platform security
6. Sharing & Transfers
We may share your information with:
- • Service providers (payment gateways, analytics, hosting, customer support)
- • In case of business transfers (merger, acquisition, or sale) with appropriate safeguards
- • Legal authorities when required by law or to protect our rights
For international data transfers, we implement appropriate protection measures to ensure your data remains secure.
7. Cookies & Tracking
We use cookies and similar technologies to enhance your experience, including session cookies for functionality, preference cookies to remember your settings, and analytics cookies to understand how you use our service. You can manage cookie preferences through your browser settings.
8. Data Retention
We retain your data as long as necessary for service provision, legal requirements, or consented marketing purposes. After this period, we will delete, anonymize, or securely archive your information in accordance with applicable laws.
9. Data Security
We implement industry-standard security measures including SSL encryption for data transmission, secure storage systems, and PCI compliance for payment processing. While no system is perfectly secure, we take reasonable measures to protect your information.
10. Your Rights
You have the right to:
- • Access your personal data
- • Correct inaccurate information
- • Delete your data (subject to legal requirements)
- • Object to processing of your data
- • Withdraw consent for marketing communications
To exercise these rights, please contact us using the information provided below.
11. Consent & Legal Notices
We obtain your consent through account sign-up processes, checkboxes, and clear opt-in mechanisms. This policy may be updated from time to time, and we will notify you of significant changes by posting updates on our website or through direct communication.
12. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: