Privacy Policy of Ghuri

The following Privacy Policy describes how we, GHURI ( “we, “us” or “our”) collect, store, use, process, retain, transfer, disclose and protect your Personal Information. This Privacy Policy applies to all users of our applications, websites (ghuriexpress.com), services, or products (“Applications”), unless covered by a separate privacy policy.

Please read this Privacy Policy thoroughly to ensure that you understand our data processing practices. Unless otherwise defined, all capitalized terms used in this Privacy Policy shall have the same meaning ascribed to them in the Terms of Use.

1. PERSONAL INFORMATION WHICH WE COLLECT

We collect information which identifies or can be used to identify, contact, or locate the person or device to whom that information pertains (“Personal Information”). Personal Information includes, but not limited to, name, address, date of birth, occupation, phone number, e-mail address, bank account and credit-card details, gender, identification (SIM, or Passport) or other government issued identifier, vehicle information, photo, nationality, phone number of our users and non-users in your mobile phonebook, health data, financial related information, and biometric information (including but not limited to facial recognition). Additionally, to the extent other information, including a personal profile, and/or unique identifier, is associated or combined with Personal Information, then that information is also Personal Information. The Personal Information which we collect may be provided by you directly or by third parties (for example: when you register or use the Application, when you contact our customer services, or you otherwise provide Personal Information to us). We may collect information in various forms and purposes (including purposes permitted under applicable law).


Information obtained from you or from your mobile device directly
  • When you register and create an account with us using the Application you have to provide to us certain Personal Information, including your name, e-mail address and your phone number. If you are using the Application as a service provider, you have to provide us with additional Personal Information as part of the service provider onboarding process. This would include details of your vehicle (licenses and other authorizations for you to operate the vehicle and to provide the transportation services), your insurance policy, and your bank account.
  • When you use the Application, you have to provide us with relevant information as may reasonably be required by us in order for the Application to work, for example:
    1. If you are using the Application as a user, you will need to provide us with information as to the type of service you seek, and details as to the pick-up and/or delivery.
    2. If you are using the Application as a service provider, in order for the Application to work, you will need to provide us with the information on the services you are able to accept orders for at the time, and details as to your current, and after an order for a service placed by a user is accepted by you as the service provider, you may need to provide us with other data that we need to manage the Application and ecosystem, and to monitor overall usage of the Application.
    3. If you utilize and/or when a payment or transfer is made through the digital money and/or digital wallet facility provided by us, if you are the payer or sender, you will provide us the information relating to the utilization, payment or transfer, including but not limited to the transfer and/or payment receiver details, the amount of payment paid, the type of payment card or account used, the name of the issuer of that payment card or account, the name of the holder for that payment card or account, the identification number of that payment card or account, the verification code of that payment card or account and the expiration date of that payment card or account, as applicable.
    4. If you intend to add your payment card or account as a source of fund for payment in the Application, you will provide us information relating to the type of payment card or account registered, the issuer of that payment card or account, the name of the holder for that payment card or account, the identification number of that payment card or account and the verification code of that payment card or account and the expiration date of that payment card or account, as applicable.

Information collected whenever you use the Application or visit our website
  • Whenever you use the Application or visit our website, we may collect certain technical data concerning your usage such as, internet protocol (IP) address, information as web pages previously or subsequently viewed, duration of every visit/session, the internet device identity (ID) or media access control address, mobile advertising ID and other device information including information regarding the manufacturer, model and operating system of the device that you use to access the Application or our website.
  • Whenever you use the Application or visit our website, certain information may also be collected on an automated basis using cookies. Cookies are small application files stored on your computer or mobile device. We use cookies to track user activity to enhance user interface and experience. Most mobile devices and internet browsers support the use of cookies; but you may adjust the settings on your mobile device or internet browser to reject several types of certain cookies or certain specific cookies. Your mobile device and/or browser would also enable you to delete at any time whatever cookies have previously been stored. However, doing so may affect the functionalities available on the Application or our website.
  • Whenever you use the Application through your mobile device, we will track and collect your geo-location information in real-time. In some cases, you will be prompted or required to activate the Global Positioning System (GPS) on your mobile device to enable us to give you a better experience in using the Application (for example, to give you information as to how close a service provider is to you). You can always choose to disable the geo-location tracking information on your mobile device temporarily. However, this can affect the functionalities available on the Application.
  • If you utilize and/or when a payment or transfer is made through the electronic money and/or electronic wallet facility provided by us, we may collect certain information related to your source of fund for top up (including bank account details), account details of withdrawal receiver, transaction history (including receiver details), bill details, invoice details and phone number details.
  • If you utilize virtual account provided by us to receive electronic money and/or electronic wallet payment from payer, whether you are a service provider or merchant, we may collect certain information related to your utilization including but not limited to service and/or goods transacted, amount you collect from every transaction, withdrawal or settlement account details and withdrawal or settlement history.
  • If you utilize and/or when a payment is made through the payment card or account you add in the Application, we may collect certain information related to the transaction history (including receiver details), bill details, invoice details, and phone number details.

Information collected from third parties

We may also collect your Personal Information from third parties (including our agents, vendors, suppliers, contractors, partners and any others who provide services to us, who collect your Personal Information and/or perform functions on our behalf, or whom we collaborate with). In such cases, we will only collect your Personal Information for or in connection with the purposes for which such third parties are engaged or the purposes of our collaboration with such third parties (as the case may be). Specifically when you register for a payment card or account through the Application and/or access, add and/or link a payment card or account to the Application, we may collect certain financial information and financial history of yours (including but not limited to payment card or account transaction history, payment card or account details and mapping and/or payment card or account status and states) from the issuer of such payment credential or any other third parties.

2. THE USE OF PERSONAL INFORMATION WHICH WE COLLECT

We may utilize Personal Information gathered for any of the accompanying purposes just as for such different purposes as are allowed by pertinent law:

  • To identify you and to register you as a user and to administer, verify, deactivate, or manage your account as such;
  • To facilitate or enable any verification as we may in our discretion consider necessary before the service provider provide you with the services or before we register you as a user, including performing Know Your Customer (KYC) and credit scoring;
  • To enable service providers to provide you with such of the services as you have requested;
  • To process and facilitate orders and payment transactions made by you, including where applicable, transactions made through any payment card or account available over the Application;
  • To notify you of any transaction or activities occurred within the Application or other system linked to our Application;
  • To communicate with you and to send you information in connection with the use of the Application;
  • To notify you of any updates to the Application or changes to the services available;
  • To process and respond to enquiries and feedback received from you;
  • To maintain, develop, test, enhance and personalize the Application to meet your needs and preferences as a user;
  • To monitor and analyze user activities, behavior, and demographic data including trends and usage of the various services available on the Application;
  • To process and manage your reward points;
  • To offer or provide services from our affiliates or partners; and
  • To send you direct or targeted marketing communications, advertisement, vouchers, surveys, and information on special offers or promotions.

3. SHARING OF PERSONAL INFORMATION WHICH WE COLLECT

We may disclose to or share with affiliates and other parties your Personal Information for any of the following purposes as well as for such other purposes as are permitted by applicable law:

  • where you are a user, for the purpose of enabling a service provider, to perform or deliver a service;
  • where you are a service provider, for the purpose of enabling a user to request or receive a service from you;
  • where required or authorized by applicable law (including but not limited to responding to regulatory enquiries, investigations or directives, or complying with statutory or regulatory filing and reporting, and licensing requirements), for the purpose so specified in that applicable law;
  • where instructed, requested, required or authorized by the government authorities, for the purpose as specified in the government policy, regulations or applicable law;
  • where there is any form of legal proceeding between you and us, or between you and another party, in connection with, or relating to the services, for the purposes of that legal proceeding;
  • in relation to any verification as we or other third party may consider necessary before the service provider provide you with the services or we register you as a user, including for KYC and credit scoring;
  • in an emergency concerning your safety (whether you are a user or a service provider) for the purposes of dealing with that emergency;
  • in a situation concerning your health or public interest (whether you are a user or a service provider), we may share your Personal Information to the government authorities and/or other institutions that may be appointed by the government authorities or have a cooperation with us, for the purposes of contact tracing, supporting government initiatives, policies or programs, public safety and any other purposes reasonably needed;
  • in connection with, any merger, sale of company assets, consolidation or restructuring, financing or acquisition of all or a portion of our business by or into another company, for the purposes of such a transaction (even if the transaction is eventually not proceeded with);
  • in connection with insurance claim, we will share your Personal Information for the purpose of processing the insurance claim to the insurance company that we engage or have collaboration with;
  • to third parties (including our agents, vendors, suppliers, contractors, partners and any others who provide services to us or you, perform functions on our behalf, or whom we enter into commercial collaboration with) for or in connection with the purposes for which such third parties are engaged, to perform certain disclosure to the relevant third parties which are technically required to process your transaction or for the purposes of our collaboration with such third parties (as the case may be), which may include allowing such third parties to introduce or offer products or services to you, authenticate you or connect with your Account, or conducting other activities including marketing, research, analysis and product development; and

4. RETENTION OF PERSONAL INFORMATION

Your Personal Information will only be held for as long as it is necessary to fulfill the purpose for which it was collected, or for as long as such retention is required or authorized by Applicable Law. We shall cease to retain Personal Information, or remove the means by which the Personal Information can be associated with you as an individual, as soon as it is reasonable to assume that the purpose for which that Personal Information was collected is no longer being served by retention of Personal Information and retention is no longer necessary for legal or business purposes. Please note that there is still the possibility that some of your Personal Information might be retained by the other party, including by the government institutions in some manner. In the event we share your Personal Information to the authorized government institutions and/or other institutions that may be appointed by the government authorities or have cooperation with us, you agree and acknowledge that the retention of your Personal Information by the relevant institutions will follow their respective policy on data retention. Information relayed through communications between users, service providers made other than through the use of the Application (such as by telephone calls, SMS, mobile messaging or other method of communication and collection of your Personal Information by our agent) may also be retained by some means. We do not encourage the retention of Personal Information by such means and we have no responsibility to you for the same. We shall not be liable for any such retention of your Personal Information. You agree to indemnify, defend and release us, our officers, directors, employees, agents, partners, suppliers, contractors and Affiliates from and against any and all claims, losses, liabilities, expenses, damages and costs (including but not limited to legal costs and expenses on a full indemnity basis) resulting directly or indirectly from any unauthorized retention of your Personal Information.

5. ACCESS AND CORRECTION OF PERSONAL INFORMATION

Subject to the applicable law, you may request us for access to and/or the correction of your Personal Information in our possession and control, by contacting us at the details provided below. We reserve the right to refuse your requests for access to, or to correct, some or all of your Personal Information in our possession or control if permitted or required under any applicable law. This may include circumstances where the Personal Information may contain references to other individuals or where the request for access or request to correct is for reasons which we reasonably consider to be trivial, frivolous or vexatious.

6. SECURITY OF YOUR PERSONAL INFORMATION

Privacy of your Personal Information is of most extreme significance to us. We will utilize all sensible endeavors to ensure and make sure about your Personal Information against access, assortment, use or revelation by unapproved people and against unlawful handling, unplanned misfortune, decimation and harm or comparable dangers. Tragically, the transmission of data through the Internet isn't totally secure. Despite the fact that we will put forth a valiant effort to secure your Personal Information, you recognize that we can't ensure the honesty and exactness of any Personal Information which you communicate over the Internet, nor ensure that such Personal Information would not be captured, gotten to, uncovered, adjusted or annihilated by unapproved outsiders, because of components outside our ability to control. You are liable for keeping your record subtleties classified and you should not share your record subtleties, including your secret phrase and One Time Password (OTP), with anybody and you should consistently keep up and completely answerable for the security of the gadget that you use.

7. CHANGES TO THIS PRIVACY POLICY

We may audit and alter this Privacy Policy at our sole prudence now and again, to guarantee that it is predictable with our future turns of events, or potentially changes in lawful or administrative prerequisites. On the off chance that we choose to revise this Privacy Policy, we will inform you of any such alterations by methods for an overall notification distributed on the Application or potentially site, or in any case to your email address set out in your record. You concur that it is your duty to audit this Privacy Policy routinely for the most recent data on our information preparing and information security rehearses, and that your proceeded with utilization of the Application or site, interchanges with us, or admittance to and utilization of the administrations following any alterations to this Privacy Policy will establish your acknowledgment to this Privacy Policy and the entirety of its changes.

8. ACKNOWLEDGMENT AND CONSENT

By accepting the Privacy Policy, you acknowledge that you have read and understood this Privacy Policy and you accept all of its terms. In particular, you agree and consent to us collecting, using, sharing, disclosing, storing, transferring, or otherwise processing your Personal Information in accordance with this Privacy Policy.

9. HOW TO CONTACT US

If you have any questions regarding this Privacy Policy or you would like to obtain access and/or make corrections to your Personal Information, please contact ghuriexpress.com.