Tamam Privacy Policy

Information We Collect:

  • Full name
  • CPR details
  • Contact details (mobile number, email, address)
  • Gender
  • Biometric data (liveliness videos and images)
  • Financial history and activity
  • Employment status and information
  • Income information (i.e. source and monthly average)
  • Additional details that are passed via IGA or BENEFIT

We may also request the submission of certain documents identifying the information as mentioned above.

How Information Is Collected:

  • Personal data received and collected via Tamam’s Channels
  • Personal data we receive directly and voluntarily from you
  • Personal data we obtain from third parties such as the Benefit Credit Reference Bureau, the Information and government Authority and Kuwait Finance House (“KFH”)
  • Personal data collected from publicly available sources, such as any information available online

How We Use Your Information:

  • To provide our services to you and allow you to use our mobile application
  • To assess customers’ creditworthiness to provide financing services
  • To collect due and outstanding debt
  • To improve our services and resolve customer issues
  • To comply with the legal and regulatory requirements
  • To comply with laws that require us to verify the identity of our customers
  • To detect and prevent fraud or other financial crime
  • For customer onboarding and registration, screening customer name, account recovery and KYC (Know-Your-Customer)
  • For personalized and enhanced customer experiences
  • To pass to KFH for account opening purposes

Document Verification:

During registration, you may be asked to scan legal documents. Once a picture of your face is taken, we compare it to the photo in your scanned legal document. This verification process ensures that you are the legitimate user.

Face Data (Selfie) to confirm ID and Liveness videos and photos through truedepth API which are also part of our regulatory requirements during onboarding/registration:

  • As part of the onboarding process, we are taking a picture of the user's face based on some gestures requested such as "Wink with your left/right eye" or "Smile".
  • This picture is requested as part of the registration process where the user is usually asked to scan his legal documents. Once the user takes a picture of his face, we are comparing this picture to the one found in the scanned legal documents to verify that this is the same user.
  • This data is neither stored nor shared with any third parties.

Data Storage and Sharing:

Any information collected will be stored for a period of time necessary to provide you with the services. We may also retain the information for a longer period, but in no doubt shall such period exceed any maximum timeframe in the relevant regulations or laws of the Kingdom of Bahrain. Your data remains confidential and secure within our systems. Additionally, your personal information will not be shared with any third party unless required by any governmental, legal or regulatory authority.

Data Security:

We implement robust security measures to protect your data from unauthorized access, alternation, or disclosure.

Marketing:

We may use your personal data for direct marketing purposes including informing you about our promotions and features through our channels. You may ask us to stop any of the marketing communication by contacting us at any time.

Withdraw of Consent:

You have the right to withdraw your consent to our use of your personal data by contacting us at any time. However, as such data is integral to us providing you with our services, any consent withdrawal will be deemed as a request for termination of the services and accordingly subsequent consequences shall be applied.

Changes to the Privacy Policy:

We hold the right to periodically update or alter this Privacy Policy. In case of significant modifications, we will provide notification through in-app messages and emails. Your continued utilization of the Tamam mobile application post these changes denotes your acceptance of the revised Privacy Policy.

Contact Us:

If you have any questions regarding our privacy policy, please contact us on TamamTeam@bh.zain.com.