Privacy Policy

This Privacy Policy (the “Policy”) describes how Taqqsit (“Taqqsit”, “we”, “us”, or “our”) collects, processes, uses, stores, and discloses personal data in connection with the Taqqsit platform and related services.

This Policy applies to all Users of the Platform, Customers, prospective Customers, and any individual interacting with the Platform.

This Policy shall be read in conjunction with the Taqqsit Terms and Conditions and any applicable Customer Agreement.

By accessing or using the Platform, you acknowledge that you have read and understood this Policy.

1. Definitions

For the purposes of this Policy:

• “Account” means a registered user account on the Platform.
• “Customer” means any User whose Order has been accepted by Taqqsit and who has executed a Customer Agreement.
• “Customer Agreement” means the Taqqsit Customer Program Agreement executed between Taqqsit and the Customer, together with any promissory note or other document executed pursuant to it.
• “Goods” means any mobile handset, smartphone, tablet, laptop, electronic device, accessory, appliance, service or any other product or service offered by Taqqsit through the Platform, whether present or future.
• “Platform” means the Taqqsit mobile application, website and any other digital channel operated by Taqqsit.
• “User” means any individual accessing or using the Platform.

2. Personal Data Collected

Personal data is processed by Taqqsit on the basis of contractual necessity, compliance with legal obligations, the User’s consent where applicable, and Taqqsit’s legitimate interests in operating and securing the Platform. For that purpose, Taqqsit may collect and process the following categories of personal data:

Identity and account data

• name, contact details, and login credentials;
• address and communication details;
• information provided during account registration.

Verification data for the Customer Agreement

• national ID, passport, or other official identification document;
• photographic identity verification images;
• payment, billing, and eligibility information necessary to assess and administer the Customer Agreement.

Taqqsit reserves the right to request any additional documents, information, or supporting evidence it reasonably deems necessary for the assessment, approval, verification, or administration of a Customer Agreement, at any time before, during or after the performance of the Customer Agreement, where reasonably necessary to comply with legal obligations, investigate fraud, enforce contractual rights or maintain the integrity of the Platform, and failure to provide such information may result in refusal or suspension of the Customer Agreement.

Transactional data

• purchase history and delivery details;
• payment status and contractual records.

Technical and device data

• device identifiers, including IMEI where applicable;
• application usage data and interaction logs;
• IP address and technical diagnostics.

Taqqsit does not access personal files, messages, photographs, or communications stored on a User’s device.

Customer support communications

• emails and correspondence with Taqqsit;
• customer service chats;
• call recordings, where made; and
• complaints and related records.

3. Purposes of Processing

Taqqsit processes personal data for legitimate purposes including:

• creation and management of Accounts;
• verification of Users for the purposes of the Customer Agreement;
• administration of payments and delivery of Goods;
• fraud prevention and security monitoring;
• enforcement of contractual rights;
• compliance with applicable legal obligations.

Failure to provide required information may limit Taqqsit’s ability to provide certain services.

4. Processing Relating to the Customer Agreement

Where a User enters into a Customer Agreement, Taqqsit may process personal data for the purposes of:

• assessing eligibility and verifying identity;
• administering repayment obligations;
• issuing contractual notices and reminders;
• applying technical measures permitted under the Customer Agreement.

Such processing shall be limited to what is necessary for the performance and enforcement of the Customer Agreement.

5. Technical Measures and Device Controls

In connection with the Goods, Taqqsit may collect limited technical information relating to:

• device operational status;
• application presence and activation;
• signals necessary to enforce contractual rights.

Such measures do not permit Taqqsit to access personal content stored on the device, including files, communications, or personal data, and are strictly limited to protecting Taqqsit’s ownership rights.

6. Disclosure of Personal Data

Taqqsit may disclose personal data where necessary to:

• payment processors and financial service providers;
• logistics, delivery, or inspection providers;
• identity verification or fraud-prevention providers;
• cloud hosting and technical service providers;
• auditors, legal advisers, and insurers;
• affiliated companies and any actual or prospective purchaser of all or part of Taqqsit’s business, subject to appropriate safeguards;
• competent authorities where required by law.

Taqqsit does not sell personal data to third parties. Personal data may be processed or stored in jurisdictions outside Lebanon where Taqqsit’s service providers operate, subject to appropriate contractual, technical or organizational safeguards.

7. Data Retention

Personal data shall be retained only for as long as necessary to:

• perform contractual obligations;
• comply with legal requirements;
• resolve disputes or enforce rights.

Personal data shall be retained for no longer than is necessary, except where a longer retention period is required by law or is necessary for the establishment, exercise or defence of legal claims.

8. Security Measures

Taqqsit implements appropriate technical and organizational safeguards designed to protect personal data against unauthorized access, disclosure, alteration, or loss.

Such measures include access controls, secure infrastructure, encryption practices, and confidentiality obligations imposed on personnel and service providers.

9. User Rights

Subject to applicable law, Users may request:

• access to their personal data;
• correction of inaccurate data;
• deletion where legally permissible;
• restriction of certain processing activities;
• withdrawal of consent, where processing is based on consent; and
• objection to certain processing activities, where applicable.

Requests may be submitted using the contact details below.

10. Cookies and Platform Analytics

The Platform may use cookies and similar technologies to ensure functionality, improve performance, and analyze usage trends. Disabling cookies may affect Platform functionality.

11. Children’s Privacy

The Platform is not intended for persons under eighteen (18) years of age. Taqqsit does not knowingly collect personal data from minors. If Taqqsit becomes aware that personal data relating to a minor has been collected inadvertently, it may delete such information.

12. Amendments to This Policy

Taqqsit reserves the right to amend this Policy from time to time. Updated versions shall be published on the Platform and shall become effective upon publication unless otherwise stated.

13. Governing Law

This Policy shall be governed by the laws of Lebanon.

14. Contact Information

For any privacy-related inquiry or request:

Taqqsit
support@taqqsit.com