At Enzer, we are committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website, mobile application, cards, and related services.

By accessing or using Enzer’s services, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information

• Full name

• CNIC number

• Date of birth

• Mobile number

• Email address

• Residential address

Financial & Transaction Information

• Purchase and installment history

• Payment records

• Spending limits and usage data

• Linked payment methods

Technical Information

• Device information

• IP address

• App usage data

• Log and diagnostic data

2. How We Use Your Information

We use your information to:

• Verify your identity and prevent fraud

• Assess eligibility and assign spending limits

• Process transactions and installment payments

• Provide customer support

• Improve our products and services

• Send important notifications and reminders

• Comply with legal and regulatory requirements

We do not sell your personal data to third parties.

3. Shariah & Ethical Compliance

All data usage and financial processes are designed to support transparent, ethical, and Shariah-compliant financial services. Customer information is handled responsibly and only for legitimate business purposes.

4. Data Sharing & Disclosure

We may share your information only with:

• Banks and payment partners for transaction processing

• Verification authorities for identity validation

• Technology and service providers under strict confidentiality

• Regulatory or legal authorities when required by law

All third parties are required to protect your data.

5. Data Security

We implement strong security measures including:

• Data encryption

• Secure servers

• Access controls

• Fraud detection systems

While no system is completely secure, we take all reasonable steps to protect your information.

6. Data Retention

Your data is retained only for as long as necessary to:

• Provide services

• Meet legal and regulatory obligations

• Resolve disputes and enforce agreements

7. Your Rights

You have the right to:

• Access your personal data

• Request correction of inaccurate information

• Request account closure (subject to legal obligations)

• Opt out of promotional communications

Requests can be made through our support channels.

8. Cookies & Tracking

Our website and app may use cookies or similar technologies to enhance user experience, analyze usage, and improve services. You can manage cookie preferences through your device settings.

9. Children’s Privacy

Enzer services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and continued use of our services constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or your data, please contact us at:

Email: contact@enzer.io
Website: www.enzer.io

Privacy Policy