BFC Payments B.S.C (Closed) is committed to protecting consumer privacy during the use of our digital products and recognizes our responsibility to hold your information secure and confidential.
You can visit our website without telling us who you are or revealing any information about yourself. However, if you give us any personal information about yourself or others, we promise to treat it securely, fairly, and lawfully. Any information collected, stored or processed will be done in accordance with all applicable laws and regulations in all operating jurisdictions, including the EU’s General Data Protection Regulation and Bahrain’s Personal Data Protection Law.
When we ask you for personal information online, it will only be in response to you using one of our online products or services, such as BFC Payments mobile application. We may use the personal information you provide for the purpose of providing more relevant content to you.
This Privacy policy sets out the basis upon which any personal data we collect from you, or provided to us will be processed by us. Please read this policy carefully to understand how your personal information will be treated. By submitting your personal details to us, you are deemed as agreeing to us using them in line and in accordance with the terms and conditions in this policy. However, should applicable laws or regulations dictate, no personal information will be stored or processed without your explicit written approval, which you may revoke at any time. This policy may be changed from time to time, so please read it periodically.
If you have any questions or want more details about how we use your personal data, please let us know. You can contact us:
For requests relating to exercising your rights under data protection laws, please contact the following channels:
We collect a range of personal data directly from you and, in some instances, from third parties. We have listed the kinds of personal data below so that you can understand what we hold.
We may collect, use, store and transfer different kinds of personal data about you, which we have grouped together as follows:
Data Type | Service associated | Data elements |
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Personal Data | Onboarding Service / Account opening service / Regulatory compliance on KYC |
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Identity Data | Regulatory compliance on KYC |
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Image | Regulatory compliance on KYC / User Identity and verification service (IDV) |
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Liveness video | Regulatory compliance on KYC / User Identity and verification service (IDV) |
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Biometric Data | User authentication service |
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Documents Images | Regulatory compliance on KYC / User Identity and verification service (IDV) |
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Contact data | Onboarding Service / User authentication service / Communication services |
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User behaviour, Device & Profile data | Personal data we learn about you from the way you operate our products, and services, and use our mobile application; including the technology you use for this, language preferences, mobile phone location data, and engagement by the use of data technology like |
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Device data | Security Services / User identity services |
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Account and transaction data | Payment services | Personal data relating to transactions such as type, dates, amounts, currencies, payer, and payee details. Data includes details about payments to and from you and other details of products and services you have purchased from us or one of our subsidiaries. |
Financial Data | Payment services | Data includes bank account and payment card details |
Marketing and Communications Data | Customer Support and communication services | Data includes information we receive through our communication with you in any form, your preferences in receiving marketing from us and our third parties and your communication preferences. |
Sensitive Personal Data | Payment services | That requires a particularly high level of care when processing due to its sensitivity. The sensitive data we process includes biometric information, criminal records, health and medical information and information pertaining to political exposure and religious beliefs. |
We also collect, use, and share aggregate data, such as statistical or demographic data, for any purpose. Aggregated data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity.
If you fail to provide personal dataWhere we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with services). In this case, we may have to cancel a service you have with us but we will notify you if this is the case at the time.
We engage, retain or might, as per requirement and business needs of the Company, employ, engage, contract with third party service professionals/providers to work on behalf of or with Us, under agreements containing confidentiality obligations and in accordance with law, in relation to the services provided by Us on the Platform. These third-party service providers may use Your personal information in assisting Us to communicate with You about Our offers, feedback of Services, assisting in payment facilities, providing customer support, assisting in advertising on the Platform etc. We may employ third party companies and/or individuals to help improve or facilitate our service, to provide the Service on our behalf, to perform platform-related services, including but not limited to: payment processing, maintenance services, fraud detection services, database management, web analytics, monitoring, delivery/logistics and evaluation services. In this event, your information may be shared with such third-party companies and/or individuals;
Current third-party Services that collect and process data
We use different methods to collect data from and about you including through:
Direct interactions: You may give us your Identity, Contact, Profile, Sensitive Personal Data, Financial, and Transaction Data by filling in forms, using our mobile app, using our website, or by corresponding with us by post, phone, email, or otherwise. This includes personal data you provide when you:
Automated technologies or interactions: As you interact with our mobile app & website, we will automatically collect Technical Data about your equipment, browsing actions, and patterns. We collect this personal data by using cookies and other similar technologies. Please see our cookie policy for further details.
Third parties or publicly available sources: We will receive personal data about you from various third parties and public sources as set out below:
We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Generally, we do not rely on consent as a legal basis for processing your personal data, although we will get your consent before sending direct marketing communications to you. You have the right to withdraw consent to marketing at any time by contacting us.
See the ‘Glossary – Our lawful bases’ section below in this policy to find out more about the types of lawful basis that we will rely on to process your personal data.
We have set out below, in a table format, a description of all the ways we plan to use your personal data and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Service Type | Purpose | Data Type |
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Onboarding Service / Account opening service / User Identity and verification service (IDV) | To provide Onboarding Service using user To provide Account opening service To comply with Regulatory requirements under Central Bank of Bahrain To seek consent when we require it from you and to manage your consents and preferences, including where you decide to withdraw consent. |
Personal data, Identity data,Selfie Images, liveness video,CPR Document Images (Front and Back) |
User authentication service | To authenticate secure access and security features to your financial and non-financial profiles with us To provide fraud detection and prevention services |
Biometric data, identity data, Personal data |
Payment service | To provide mobile wallet payment services To provide you with prepaid / debit cards services. To provide you with accounts for WPS salary processing. To set up your accounts to use our online services. To provide customer support relating to products and services you hold with us in person, at our branches, via our call centers or through our applications and online. To advise you where we believe that you may be interested in products and services related to those you already hold. To identify corporates with which BFC Payments could work. To process payments for corporates that we work with as per the contracts in place. To provide management reporting to our group entity, senior management and the Board of Directors. To comply with rules and regulations set out by the government and regulators, including the Central Bank of Bahrain, such as performing KYC and other needed checks. To exercise our rights as set out in contracts and agreements. |
Contact data, User behavior data, Account and transaction data , financial data, sensitive data |
Customer Support and communication services | To promote our business To directly market our products and services to you in relation to products you already hold with us. To directly market our products and services to you if you have expressed an interest in our products. To withhold from promoting products and services to you where you have opted-out of direct marketing. To develop our general advertising campaigns based on our macro customer analysis, both via social media and conventional media methods. To manage our website and social media accounts to promote our business and engage with you online, including responding to your queries. |
Contact data, Personal data |
Regulatory compliance | To comply with national and international law To comply with applicable regulations and laws To process due diligence on all clients and future clients. To comply with central bank regulatory compliance like AML, KYC etc |
Personal data, Financial data, identity data |
Security Services | To manage security, risk and crime prevention To defend our interests via civil and criminal legal action. To support internal and external audits of our business. To implement physical security measures at our premises and ATMs, for example using CCTV. |
Device data, Identity data, Behaviour data , Profile data |
Other Services | To carry out standard business functions To recruit employees to the business where you have applied to work for us. To manage our technology and IT systems to deliver our business requirements. To store, archive and destroy documentation in line with retention laws and requirements. |
Personal data |
We may share your personal data with the parties set out below for the purposes set out in the table above:
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
Many of our external third parties are based outside the EEA and/or Bahrain so their processing of your personal data will involve a transfer of data outside the EEA and/or Bahrain.
Whenever we transfer your personal data out of the EEA and/or Bahrain, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Please contact us if you want further information on the specific mechanism we use when transferring your personal data out of the EEA and/or Bahrain.
We treat the security of all data held by BFC Payments with the utmost importance, and that includes your personal data.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
We will only retain your personal data for as long as reasonably necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation with respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
In some circumstances, you can ask us to delete your data: see Your Legal Rights below for further information.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. If you would like to exercise any of the rights below, you can do so by filling out this form or by contacting us using the details in the “Our Contact Details” section above.
You will not have to pay a fee to access your personal data or to exercise any of the other rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.
What we may need from youWe may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data or to exercise any of your other rights. This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respondWe try to respond to all legitimate requests within 15 calendar days. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
Complaints to the Data Protection AuthorityFurther to the rights that we comply with above, you also have the right to submit a formal written complaint to the relevant Data Protection Authority if you have reason to believe that we have not complied with the data protection laws.
For information on how to submit a complaint to the Data Protection Authority, please contact the Authority directly.
We may collect statistical data about our users’ browsing/ app usage actions and patterns which do not identify the individual.
We collect this data by using a “Cookie” file, Cookies are small pieces of information that are stored on and retrieved from your computer by websites for record-keeping purposes. The cookies used by this website will not contain any personally identifiable information about you. In the event that we have links to other websites on our site, these third-party websites have their own privacy policies, including cookies; therefore, we urge you to review them, as we have no control over a third-party service provider. It is usually possible to stop your browser from accepting cookies or to stop it from accepting cookies from a particular website. All modern browsers allow you to change your cookie settings. You can usually find these settings in the ‘options’ or ‘preferences’ menu of your browser. To understand these settings, the following links may be helpful, or you can use the ‘Help’ option in your browser for more details.
A “cookie” is a small text file that’s stored on your computer, tablet, or phone when you visit a website.
Some cookies are deleted when you close down your browser. These are known as session cookies. Others remain on your device until they expire, or you delete them from your cache. These are known as persistent cookies and enable us to remember things about you as a returning visitor.
To learn more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org. Alternatively, you can search the internet for other independent information on cookies.
If you delete cookies relating to this website we will not remember things about you, including your cookie preferences, and you will be treated as a first-time visitor the next time you visit the site.
We use cookies (and other similar technologies) to:
You’ll still be able to use most of our online services, but some things might not work as you may expect if you do not allow us to store and access these cookies on your device.
These cookies make our online services easier to use and help us to understand how people use our websites.
Enabling us to customize your online experience based upon your individual circumstances, existing product holdings or activities during previous visits to this website. If you do not allow cookies to be stored and accessed on your device, we won’t be able to tailor your experience.
Within our website we may have links to third party websites and if you decide to follow those links, BFC Payments will not be responsible for the privacy practices or the content of those Web sites. They will have their own privacy policies, including cookies, and we urge you to review them.
This privacy policy may be updated from time to time so you may wish to check it each time you submit personal information on our website. The date of the most recent revisions will appear on this page.
Data protection laws applicable to BFC Payments set out a number of requirements for legitimate processing of your personal data, these are often known as lawful bases for processing. These lawful bases are:
Under the data protection laws applicable to BFC Payments, You have the right to: