Privacy protection and data security are of utmost priority for "Jazem" website, the specialized platform for organizing, monitoring, and providing judicial guidance on debt collection operations. The platform plays a pivotal role in facilitating communication between concerned parties and providing effective solutions for collecting financial receivables, whether through amicable means or legal procedures. This policy establishes a comprehensive and precise framework that consolidates Jazem's commitment to the highest legal and regulatory standards, while clarifying the mechanisms used in collecting, using, and sharing information to ensure transparency and protect the rights of both clients and users.
Based on the type of our services you use, we may collect any of the following data about you, either by ourselves, through our company, or through third parties (such as credit bureaus or public databases):
Based on the type of our services you use, Jazem may process your personal data for the purposes outlined below and based on the legal grounds specified for each purpose.
Your consent is obtained clearly and explicitly before processing your personal data in cases that require it. For example, but not limited to, when submitting a request to subscribe to an offer, entering required data, or accepting the terms and conditions of any service or offer we provide, you grant us your explicit and clear consent to process your personal data for the specified purpose, with the ability to withdraw this consent at any time through the settings available in the application or by contacting us via the email mentioned above.
Processing Purpose: Managing our relationship with you as a customer.
Type of Personal Data: Contact and identity information, product/service information, financial information, interaction information between you and Jazem, merchant interaction information, device information.
Legal Basis: Contract execution.
Processing Purpose: Creating and sending information in electronic form (other than advertising). Improving platform performance based on user feedback. Providing customized investment reports based on advanced analytics.
"Profiling" means automated processing of personal data to evaluate certain personal factors, for example to analyze or predict characteristics related to your financial situation or preferences, such as your shopping preferences. We use profiling based on your personal data recorded with us to make personal or automated decisions about you for the following purposes:
Jazem may make the following decisions that do not have a legal or similar significant effect on you:
Automated decisions with legal effect or automated decisions with similar significant effect mean that some decisions related to our services may be made exclusively automatically and without influence from our employees, and these decisions have a significant effect on you as a customer. Through automated decisions, Jazem improves the objectivity and transparency of how decisions are made regarding these services.
We may resort to this type of automated decision when we decide to accept or reject your application for consumer financing, and in case of approval, determine the level of financing you receive.
You have the right to present your point of view or object to the automated decision that may have a legal or similar significant effect (in addition to related profiling) at any time by contacting us via the email referred to in Section 5. The customer service team will handle your case accordingly.
Jazem retains personal data only for the period necessary to achieve the purposes for which it was collected, in accordance with legal, regulatory, and supervisory requirements. The data retention period is determined based on the nature of processing, and at the end of this period, data is deleted or anonymized in a secure manner consistent with applicable laws and approved security standards.
We are always working on developing the scope of our services and giving you a better user experience. This includes not only current services but also new services over time. Therefore, it is important to read this supplementary policy every time you use one of Jazem's services, as the processing of your personal data may change from the last time you used our services.
Jazem updates this privacy policy periodically to keep pace with legal and technical developments. In case of any changes, you will be notified through available means, such as email or in-app notifications, specifying the effective date of the new updates.
The "Jazem" platform is committed to ensuring user rights regarding their personal data, in accordance with applicable laws and regulations for privacy protection and information security. These rights include:
Users have the right to view their personal data stored on the platform, and can update or correct it through the tools and technologies available within their accounts. "Jazem" is committed to providing a safe and accessible means for this purpose.
Users may submit a formal request to delete their personal data from the platform's records. This request is considered in accordance with legal and regulatory obligations, especially in cases that require data retention for accounting or judicial compliance purposes.
The platform provides users with a set of options that enable them to control how their data is used, including:
Users have the right to request restriction of processing of their personal data in certain cases, such as objecting to data accuracy, if processing is unlawful and the user does not wish to delete the data, or when there is a need to retain data for certain legal purposes.
Users have the right to request transfer of their personal data to another service provider they specify, in a structured, commonly used, and machine-readable format, whenever technically possible, without affecting the rights of others or existing legal obligations on the platform.