Privacy Policy

CYNERGIBYTE TECH SERVICES LTD ("we", "our company" or "us") develops, operates and delivers the Naqdak نقدك mobile application. The same privacy practices described here apply to our official website www.cynergibytetechservices.com and to this policy page at www.cynergibytetechservices.com/privacy.html.

This Privacy Policy explains how we handle personal information when you access or use the Naqdak نقدك app, our website and associated digital loan services offered in the Arab Republic of Egypt — including what we collect, how we use it, how long we keep it and when it may be shared. Safeguarding your privacy is important to us, and we process personal data in line with applicable Egyptian data protection laws and regulations.

If you continue to use our services, you acknowledge and accept the data practices set out in this Privacy Policy. We use the personal information we collect only to deliver, support and enhance our services. We do not share your information with third parties for unrelated purposes, except where expressly stated in this policy.

1. Collection and Use of Information

To provide and improve the Naqdak نقدك service, we may collect certain personally identifiable information. Depending on the features you use, this information may be stored on your device or collected by CYNERGIBYTE TECH SERVICES LTD. The information we collect is used solely to operate, maintain and improve the service, and is never shared with third parties except as described in this Privacy Policy.

2. Information We Collect

Depending on the features you use, when you use Naqdak نقدك, we may request access to the following information:

Text Messages (SMS)

To improve the accuracy of credit assessment and risk analysis, Naqdak نقدك may access SMS related to financial services and securely transmit and store them on our servers. This may include the sender, phone number, date and message content, limited to bank transaction alerts, payment history notifications, payment reminders, loan-related messages and similar records from banks or mobile wallets.

Such data is used to analyze credit risk, assess repayment capacity and prevent fraud. We do not collect personal identity information unrelated to financial services. Messages that are not relevant to financial services are filtered and not stored. We implement strict security measures to protect this data and do not share SMS content with third parties for marketing purposes.

Installed Applications

To strengthen risk identification, Naqdak نقدك may obtain basic information about applications installed on your device, such as application names and installation dates. This information may be securely transmitted and stored on our servers.

This is used to assess device risk, support fraud prevention analysis and identify abnormal device environments. This information is used only for security and risk-control analysis. We do not access the content of any third-party applications. All related data is encrypted and is retained only for as long as necessary to fulfill the purposes described in this Privacy Policy.

Location

For stronger account protection and more dependable service delivery, Naqdak نقدك may receive approximate location data from your device — for example, your general area or region. Where collected, such data is sent to and held on our servers using appropriate security safeguards.

We rely on location information to confirm the environment in which the application is used, flag unusual activity, identify possible risks and reduce the likelihood of fraudulent submissions. Location data serves exclusively for security checks and risk control, and is never used for unrelated purposes such as marketing or advertising.

Device Information

To keep the platform running smoothly and protect its integrity, Naqdak نقدك may gather certain details about your device. This can include the device model, operating system version, unique device identifiers (such as device ID or Android ID), the version of our application installed on your device and, when needed for security, basic network details such as your IP address.

We use this data to recognize individual devices, spot security concerns, review suspicious behaviour, block malicious or repeated registrations and support ongoing improvements to performance and reliability. Device-related information is handled and stored using recognised industry security standards. We do not use device information to build advertising profiles unless you have given explicit consent where required by law.

Camera

To complete identity verification, Naqdak نقدك needs to use your device camera to capture images of your government-issued identity documents (such as an Egyptian national ID card) and to perform biometric verification (such as a live facial scan). Information obtained through the camera is used solely to verify your identity, maintain account security and reduce the risk of identity theft. It is not used for any other unrelated purpose.

The images you capture will be securely transmitted and stored on our servers, encrypted where applicable, and deleted or anonymized after verification is complete. They are used only for identity verification, fraud prevention and regulatory compliance purposes.

Personal Information You Provide

Naqdak نقدك collects the personal information you voluntarily provide when using our service, including but not limited to:

• Full name — to confirm who you are and maintain your user profile
• Phone number — to set up your account and send service-related notices
• Date of birth — to confirm eligibility and support lending decisions
• Government-issued ID details — to meet identity verification and regulatory requirements
• Address — to support account records and deliver relevant services
• Employment and income information — to evaluate your ability to repay
• Bank account or mobile wallet details — to send funds and collect repayments
• Other financial information — to support credit evaluation and risk controls

We rely on this information to confirm your identity, evaluate lending eligibility, handle loan requests, maintain your account, meet applicable legal obligations, and refine our offerings.

All personal information is securely transmitted and stored using industry-standard security measures. We do not sell your personal information.

3. How We Use Your Information

Naqdak نقدك uses the information we collect for the following purposes:

• Confirm who you are and carry out Know Your Customer (KYC) checks, including document review and live facial verification;
• Evaluate lending eligibility, repayment ability and loan requests;
• Discover, prevent, and investigate fraud, abuse, and security risks;
• Process loan disbursement and repayment;
• Send updates about your account, applications and support enquiries;
• Meet legal, regulatory and contractual duties;
• Refine our platform, introduce new capabilities and improve how you use the service.

Your information is processed only for lawful business needs connected to delivering financial services, and always within the scope of this Privacy Policy.

4. Data Sharing Policy

Naqdak نقدك values the security of your personal information. We are committed to protecting your data and do not sell personal data.

We do not sell, rent or trade your personal information with third parties. We may share data with credit agencies, fraud prevention providers and secure service partners only as required to provide our services, perform credit evaluation, prevent fraud or comply with applicable law.

In the following exceptional circumstances, we may disclose your information:

• Legal requirements: When required by applicable law or legal process, such as in response to regulatory authorities, law enforcement or government entities;
• Protection of rights: When necessary to protect our legal rights, prevent fraud or ensure the safety of users and the public.

All necessary technical services (such as cloud hosting) are performed under strict confidentiality agreements, and service providers only process data on our behalf without using it for any other purpose.

5. Data Retention and Account Deletion

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, including providing services, complying with legal obligations, resolving disputes and enforcing our agreements.

When your information is no longer needed, we will securely delete or anonymize it in accordance with applicable laws and industry standards.

You may submit an account deletion request at any time. Deletion requests are reviewed within 30 business days. Please ensure all outstanding loan obligations are repaid before requesting account deletion. You may submit requests via the Delete Account feature in the application or by emailing info@cynergibytetechservices.com.

6. Data Security

Naqdak نقدك takes the protection of your personal information seriously and applies industry-standard technical and organizational safeguards to reduce the risk of unauthorized access, alteration, disclosure, loss or destruction.

Our security measures include, but are not limited to:

• Encrypted transmission — data sent between your device and our servers is protected using secure protocols such as SSL/TLS;
• Secure storage — personal information is stored in protected server environments with access restrictions and monitoring in place;
• Access controls — only authorized personnel and service providers who need access to perform their duties may handle personal data, under confidentiality obligations;
• Permission-based data handling — sensitive information collected through permissions (such as SMS, camera, location and installed application data) is processed with additional care and protected using appropriate security measures;
• Ongoing review — we regularly monitor our systems and review our security practices to help identify and address potential vulnerabilities.

We also require third-party service providers that process data on our behalf to maintain appropriate security standards and to use personal information only for the purposes we authorize.

7. Your Rights and Choices

Under applicable Egyptian data protection laws and Google Play's User Data Policy, you have the following rights regarding your personal information:

• Access — request information about the personal data we hold about you;
• Rectification — request correction of inaccurate or incomplete data;
• Erasure — request deletion of your data or account, subject to legal and contractual obligations;
• Withdraw consent — revoke consent for permission-based processing (such as camera, SMS, location or installed applications) at any time through your device settings or by contacting us;
• Objection — object to certain processing where provided by applicable law.

You may submit account deletion requests through the Delete Account feature in the application or by emailing info@cynergibytetechservices.com. Verified requests are processed within 30 business days. We may retain certain data as required by law, fraud prevention or outstanding lending obligations — see Section 5 for details.

You can also manage app permissions (camera, SMS, location, installed applications) in your device settings, update information in the app where available, or uninstall the application to stop further collection. Restricting permissions or withdrawing consent may affect identity verification, security checks and lending application processing.

To exercise your rights, contact us via Section 11 or in-app support. We may verify your identity before processing a request and will respond within the timeframe required by applicable law.

8. Complaints and Regulatory Authority

If you are not satisfied with how we process your personal information, you have the right to contact us first to seek a resolution. We are committed to responding to your concerns in a timely manner.

You may also have the right to lodge a complaint with the relevant data protection authority in Egypt, including the Egyptian Data Protection Center, in accordance with applicable Egyptian legislation on personal data protection.

9. Children's Privacy

Naqdak نقدك is not directed at individuals under the age of 21. We do not knowingly collect personal information from minors.

If we discover that a person under 21 has provided personal information without appropriate consent, we will take steps to delete such information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will publish the updated policy at www.cynergibytetechservices.com/privacy.html and update the "Last updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

11. Contact Us