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Privacy Policy

Effective Date: April 28, 2026·Last Updated: April 28, 2026

1. Introduction

This Privacy Policy describes how PayDay (KSA) ("we", "our", or "us") collects, uses, discloses, and protects your information when you use the PayDay mobile application and related services (the "Service"), specifically within the Employee Module.

By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

We collect the following categories of information:

2.1 Personal Information

  • Full name
  • National ID / Iqama number
  • Date of birth
  • Mobile number
  • Email address
  • Employment details (employer, salary, work status)

2.2 Financial Information

  • Salary and earned wage data
  • Bank account / IBAN details
  • Transaction history (EWA requests, repayments)

2.3 Verification Data

  • Identity and employment status confirmation provided by your employer and/or authorized government services
  • Device and authentication data (OTP, login activity)

2.4 Technical & Usage Data

  • Device type, OS, app version
  • Log data (IP address, session activity)
  • App interactions (balance checks, transactions, usage patterns)

3. How We Use Your Information

We use your data to:

  • Provide and operate the Service
  • Process earned wage access (EWA) transactions
  • Validate your identity and eligibility through employer and/or authorized government sources
  • Communicate with you (notifications, OTPs, support)
  • Improve platform performance, reliability, and user experience
  • Detect and prevent fraud, abuse, or security incidents

4. Legal Basis for Processing

We process your information based on:

  • Contractual necessity — to provide the Service
  • Legal and regulatory obligations — including financial compliance in the Kingdom of Saudi Arabia
  • Legitimate interests — to improve and secure our platform
  • Your consent — where explicitly required

5. Data Sharing and Disclosure

We may share your information with:

  • Your Employer / HR representative — for payroll integration and eligibility validation
  • Authorized government or regulatory services — for identity and compliance validation
  • Financial partners — banks, payment processors, and disbursement providers
  • Technology providers — cloud hosting, analytics, and communication services
  • Regulators or authorities — where required by law in KSA

We do not sell your personal data.

6. Data Storage and Security

  • Your data is stored securely using industry-standard encryption and access controls
  • Data may be hosted in regional data centers, including within the Kingdom of Saudi Arabia, in line with applicable regulations (e.g., PDPL)
  • We implement safeguards to protect against unauthorized access, loss, or misuse

7. Data Retention

We retain your information only as long as necessary to:

  • Provide the Service
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce agreements

Retention periods may vary depending on the type of data and applicable laws.

8. Your Rights

Under applicable laws (including KSA PDPL where applicable), you may have the right to:

  • Access your personal data
  • Correct inaccurate or incomplete data
  • Request deletion of your data
  • Object to or restrict certain processing
  • Withdraw consent (where applicable)

To exercise your rights, you may contact us via the PayDay legal and support team at support@payday.sa. You may also request assistance through your HR/Employer representative.

9. Cookies and Tracking

We may use cookies or similar technologies to:

  • Maintain session security
  • Improve app functionality
  • Analyze usage trends

You can manage preferences through your device or browser settings.

10. Third-Party Services

Our Service relies on third-party providers (e.g., cloud hosting, SMS providers, payment gateways). These providers process data on our behalf under strict confidentiality and security obligations.

11. International Transfers

Where data is transferred outside the Kingdom of Saudi Arabia, we ensure appropriate safeguards are implemented in accordance with applicable laws and regulations.

12. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via the app or other communication channels.

13. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact the PayDay legal and support team at support@payday.sa. You may also reach out through your HR/Employer representative.

14. Consent

By using the Service, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.