Privacy Policy

Scope

The scope of this Privacy Policy (the “Policy”) is only Hesab.af (the website “https://hesab.af/” and our mobile application). Users’ privacy is one of the highest priorities for Hesab.af and its parent company Afghanistan Holding Group (AHG). We make every possible effort to make sure the information provided by users is not compromised.    

The Policy is a declaration from Hesab.af to inform the users about what information we collect about them and the secrecy and protection thereof; when and with whom do we share their information; who might have access to their information, users’ control over their information and several other important issues.

Users must read and understand the entire Policy. Not reading or understanding the Policy does not release the users from liability. Users automatically accept and agree to the Policy when they sign up for or use our services, content or features offered on our website and all other related sites and applications.

Information Collected

In order for the users to utilize our service, we require them to provide and/or we may obtain the following personal information:

  • Personal information required for the initial registration to receive our services such as user’s name, phone number and email address.

  • If users allow, we will have access to their phonebook contacts, SMS, camera and phone storage. Users can restrict this access anytime through phone settings.

  • Information about transactions such as users’ bank name, bank account, credit/debit card number (or mPaisa account number), receiver’s/beneficiary’s name, phone number, email address, bank account and/or credit/debit card information and transaction history.

  • Information about user’s business for tax clearance such as business name, physical address, means of contact, monthly/quarterly/annual returns, Tax Identification Number (TIN), the list of employees and personal information of landlord if a tenant.

  • Personal, business or other types of information about the users collected from and/or through other means such as our parent company, subsidiaries, partners and/or contractors.

  • Information about the device such as hardware and software details about the device users use while accessing our services, users’ internet portal (IP) address, Mac address, IMEI, phone model, browser type and internet service provider (ISP).

  • Hesab.af will obtain geographical location information (GPS coordinates) of the users when suing our website or app.

Purpose of Collecting information

We collect users’ information to:

  • Give them access to our services.

  • Give users a secure, smooth and efficient and customized experience.

  • Process their fund transfers.

  • Help them submit their taxes.

  • Verify their identity.

  • Protect their transactions.

  • Pay their employees.

  • Receive their salaries.

  • Prevent fraud and other illegal transactions.

  • Notify users of their transactions.

  • Notify users of any held, failed or invalidated the transaction.

  • Provide customer support.

  • Give users proper account control.

  • Help users troubleshoot problems with their accounts.

  • We may combine your personal information with information we collect from other companies and use it to improve and personalize Hesab.af services and content.

  • Communicate any updates or other forms of changes to the terms and conditions and/or the Policy.

  • Send users promotional newsletters and other updates.

Sharing information with third parties

Hesab.af and/or its parent company is very conscious about protecting users’ information against third parties. We do not sell, rent, gift and/or share or transfer users’ information to any third party for their marketing or any other purpose. However, we may share users’ information:

  • When a court of competent jurisdiction orders so.

  • If formally requested by any other government entity through a subpoena, court order and/or any other legal procedure.

  • When complying with the law to prevent physical harm, financial loss, report and/or investigate suspicious or illegal activity(ies) and/or transaction(s).

  • In good faith when sharing users’ information is compulsory to comply with the bank rules or other legal processes.

  • With our parent, sister and/or subsidiary company and/or other third parties that Hesab.af partners with, in which case they all will bound by the same privacy and confidentiality policies as Hesab.af.

  •  With third parties under contract with Hesab.af where all of these third parties will be bound by our privacy and confidentiality policies.

  • While transacting with others when sharing information is necessary to complete the transaction.

  • When users expressly consent and allow their information to be shared.

Users’ control of and access to their Information

All users will have full control of and access to the information they provide. In the event there is a substantial change in the information users had previously provided (such as their physical address, email or phone number and/or any other information) or they no longer wish to use our services, they can modify, change, add, update and remove their information accordingly by logging into their Hesab.af accounts. In any case, users will be required to provide accurate information to properly utilize our services.

Security

Hesab.af makes every possible effort to protect users’ personal information. In order to protect users from fraud and misuse of their personal information, we have secured their data with latest technologies such as firewalls and data encryption, physical access controls to our data centers and information access authorization controls. We use technical and administrative security measures to reduce the risks of loss, misuse, unauthorized access and alteration thereof. Every transaction that comes or goes out is fully encrypted by Hesab.af.

Third Parties

All users shall be aware that when they make transactions with other parties such as merchants, sellers and/or other users, Hesab.af is not responsible for their actions, including the information protection practices thereof.

Import contact

Users will be able to import contacts from their phonebook. The system will automatically identify all the phone numbers that are used for Hesab.af accounts and will make the transfer much easier for the users.  

Changes to the Policy

Hesab.af in its sole discretion may modify, amend, change or nullify this Privacy Policy at any time. However, all the users will be informed about any change in the Policy and a revised version of the Policy shall be posted on our website. In case the modification, amendment or change is substantial, we will provide a prior notice to all the users through our notification system. Users decision to continue to visit and make use of the Application and our services after such changes have been made and communicated to them constitutes their formal acceptance of the new Privacy Policy.