Privacy Policy

Hawala AI ('we', 'our', 'us') is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital platform, website, and mobile services. By using Hawala AI, you agree to the collection and use of information in accordance with this policy.

We collect the following types of information to provide and improve our services:

• Personal Information: Full name, phone number, email address, and date of birth.
• Identity Verification: National ID number, passport details, and identity documents (when required).
• Transaction Information: Transfer history, amounts, recipients, and transaction timestamps.
• Device Information: IP address, device type, operating system, and browser type.
• Location Data: Approximate location based on IP address (when permitted).
• Communication Data: Messages with our support team and feedback you provide.

We use the information we collect for the following purposes:

• To create and manage your account.
• To process transactions and transfer funds.
• To verify your identity and prevent fraud.
• To comply with legal and regulatory requirements.
• To send you transaction notifications and important updates.
• To improve our services and develop new features.
• To respond to your inquiries and provide customer support.

We do not sell your personal information. We may share information with:

• DPAY: Our licensed payment infrastructure partner, for processing transactions.
• Libyan Banks: To complete digital deposits and withdrawals through your selected bank.
• Certified Agents: Limited information needed to complete cash-in and cash-out transactions.
• Legal Authorities: When required by Libyan law or to protect our rights and users.
• Service Providers: Third-party services that help us operate our platform under strict confidentiality.

We implement industry-standard security measures to protect your information:

• Bank-level encryption for all data transmission and storage.
• Personal Identification Number (PIN) protection for sensitive operations.
• One-Time Password (OTP) verification for important actions.
• Continuous monitoring for suspicious activities.
• Regular security audits and updates.

While we use commercially reasonable means to protect your information, no system is 100% secure. We cannot guarantee absolute security.

We use cookies and similar technologies to:

• Keep you signed in to your account.
• Remember your preferences and settings.
• Analyze how our service is used to improve it.
• Detect and prevent fraudulent activity.

You can disable cookies in your browser settings, but some features may not work properly.

You have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or incomplete information.
• Request deletion of your account and data (subject to legal retention requirements).
• Object to processing of your data for certain purposes.
• Withdraw consent where processing is based on consent.

To exercise these rights, contact us at support@hawalaai.com.

Hawala AI is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately and we will take steps to delete such information.

We retain your information for as long as your account is active or as needed to provide services. Transaction records may be retained for longer periods as required by Libyan financial regulations and anti-money laundering laws, typically up to seven years after the transaction date.

Hawala AI is operated from Libya. Your information is primarily stored on secure servers. Some service providers may be located outside Libya, in which case appropriate safeguards are in place to protect your data.

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through the application. Continued use of Hawala AI after changes means you accept the updated policy. The latest version will always be available at hawalaai.com/privacy.

If you have any questions or concerns about this Privacy Policy or how we handle your information, please contact us:

Email: support@hawalaai.com
Website: www.hawalaai.com

We will respond to your inquiry as soon as possible.