Last updated: 26/08/2026
Malaz Consumer Finance Company ("the Company," "we," "us") welcomes you to our website and digital applications. The Company is licensed under License No. 55 of 2026 and is regulated by the Financial Regulatory Authority (FRA) of the Arab Republic of Egypt. The Company complies with the provisions of Consumer Finance Law No. 18 of 2020 and its executive regulations, in addition to the Egyptian Personal Data Protection Law No. 151 of 2020. We value your trust and are committed to protecting the privacy of your personal data when you use our financing services. This policy explains how we collect, use, share, and protect your data in accordance with these regulations.By using our website or services, you agree to the practices described in this policy.
This policy applies to all personal data processed by the Company through any of its channels, including in particular:The Company's official website and any affiliated subpagesThe Company's mobile application, if anyThe Company's branches, points of sale, and outlets of contracted merchantsThe customer service center, hotline, and digital communication channelsThis policy does not apply to third-party websites or applications that you may access via links posted on our platforms, as those parties are subject to their own privacy policies.
Personal Data: Any data relating to an identified or identifiable natural person, directly or indirectly.
Sensitive Personal Data: Data revealing health status, biometric data, or financial data of a sensitive nature, in accordance with the Personal Data Protection Law.
Processing: Any operation performed on personal data, such as collection, recording, storage, modification, disclosure, or erasure.
Data Subject: The natural person to whom the personal data relates.
Controller: The Company, as the party that determines the purposes and means of data processing.
A. Data You Provide Directly
- Identity data: Full name, date of birth, nationality, national ID number/passport number.
- Contact data: Phone number, email address, address.
- Financial data: Monthly income, employer, bank account, account statements.
- Financing request data: Requested financing amount, purpose, collateral (if any).
- Supporting documents: Copies of ID, invoices, employment contracts.
B. Data Collected Automatically
- Device and browser data (IP address, device type, operating system).
- Usage data (pages visited, session duration).
- Cookies and similar tracking technologies.
- Recordings of incoming or outgoing calls with the customer service center, for documentation and quality-control purposes.
C. Data from External Sources
- Credit inquiry reports from licensed credit bureaus/agencies.
- Identity verification data from government authorities or KYC service providers.
- Data from partners or marketing entities, where consent has been given.
We use your data for the following purposes:
- Evaluating financing requests and creditworthiness.
- Complying with Know Your Customer (KYC) requirements and Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) obligations.
- Managing your account and providing financing-related services.
- Communicating regarding requests, repayments, and reminders.
- Improving our services and website.
- Complying with legal and regulatory obligations.
- Marketing purposes (with your prior consent, which you may withdraw at any time).
- Detecting and preventing fraud.
- Managing complaints and disputes, and taking legal collection action in cases of default.
We process your data based on one or more of the following:
- Performance of the contract concluded with you (granting and managing the financing).
- Compliance with legal and regulatory obligations.
- Explicit consent (in cases of marketing or additional data processing).
- The Company's legitimate interest (such as fraud prevention and service improvement).
We may share your data with:
- The Financial Regulatory Authority (FRA) and competent Egyptian governmental authorities, in accordance with applicable regulations.
- The Anti-Money Laundering and Combating Terrorist Financing Unit, where there is a legal reporting obligation.
- I-Score and other licensed credit bureaus/agencies: to assess creditworthiness and report repayment records.
- Service providers: such as payment processors, identity verification services, and cloud computing services (under confidentiality agreements).
- Legal authorities: upon request pursuant to a court order or official investigation.
- Business partners: in the event of a merger, acquisition, or restructuring.
We do not sell your personal data to third parties for marketing purposes without your explicit consent.
Under your consent given when submitting a financing application, we are entitled to:
- Inquire about your credit record with the credit bureau (I-Score) or any other credit inquiry agency licensed by the Financial Regulatory Authority.
- Report repayment data (whether current or delinquent) to I-Score in accordance with the rules issued by the Authority.
- Use this data in deciding whether to approve or reject the financing request, and in determining its terms.
We may use automated assessment systems to assist in reviewing financing applications and determining the appropriate credit limit, based on the data you provide and credit inquiry reports. Final rejection decisions are not made on a purely automated basis, and you have the right to request that a competent employee review the decision and to submit any additional supporting documents for your request.
We apply technical and organizational measures to protect your data, including:
- Encryption in transit and at rest.
- Access control for employees.
- Continuous monitoring to detect breaches.
- Regular staff training on data protection.
- Requiring service providers to adhere to confidentiality agreements and equivalent protection standards.
However, absolute security of any electronic system cannot be guaranteed, and we are committed to notifying you in the event of any breach affecting your data, as required by applicable regulations.
In the event of a personal data breach that could threaten your rights or privacy, the Company undertakes to notify the competent regulatory authorities within the legally prescribed period, and to notify you without undue delay where the breach has a significant impact, describing the nature of the breach, the measures taken to contain it, and the actions recommended for you to take.
We retain your data throughout the term of the contractual relationship, and thereafter for the period required by applicable financial and regulatory rules (typically several years after the contract ends) for audit and legal compliance purposes, after which it is securely deleted or anonymized. The Company retains customer identity verification records and documents for the period determined by the anti-money laundering rules issued by the Authority.
In accordance with Egyptian Personal Data Protection Law No. 151 of 2020 and the regulations issued by the Financial Regulatory Authority, you have the right to:
- Access your personal data held by us
- Request correction of inaccurate data
- Request deletion of your data (within the limits of legal obligations)
- Object to the processing of your data for marketing purposes
- Withdraw your consent at any time (without affecting prior processing)
- File a complaint with the competent regulatory authority
To exercise any of these rights, please contact us using the details provided at the end of this policy, and we will respond to your request within the legally prescribed period.
If you believe your data has been processed in violation of this policy, you may submit a written complaint to the Company's Data Protection Officer using the contact details below. If no satisfactory resolution is reached, you have the right to escalate the matter to the Financial Regulatory Authority or the competent personal data protection authority, without prejudice to your right to seek judicial recourse.
Our website uses cookies to improve the user experience, analyze visitor traffic, and personalize content. You can control your cookie settings through your browser settings. Disabling certain cookies may affect the performance of parts of the website.
Our website may include links to websites or applications belonging to other parties, such as contracted merchants or payment service providers. The Company bears no responsibility for the content of those websites or their data processing practices, and we advise you to review their privacy policies before providing them with any data.
If we need to transfer your data outside the Arab Republic of Egypt, we will ensure adequate safeguards are in place to protect your data in accordance with applicable regulations, and after obtaining any licenses or approvals required by Egyptian law.
Our financing services are directed at adults (18 years of age and older) who are legally capable of entering into contracts. We do not knowingly collect data from minors, and if we discover that we have collected data from a minor without legal grounds, we will promptly delete it.
We may update this policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page along with an updated "Last updated" date, and your continued use of our services after publication constitutes acceptance of the updated version.
This policy has been drafted in Arabic. In the event of any translation into another language, the Arabic text shall prevail in case of discrepancy. This policy is governed by and construed in accordance with Egyptian law, and the Egyptian courts shall have exclusive jurisdiction over any dispute arising from it.
For any inquiries regarding this policy, or to exercise your data-related rights, please contact us at:
- Data Protection Officer: [Name]
- Email: [Data Protection Officer's email]
- Phone: [Phone number]
- Address: Property 158, First District Street – Sixth District – Fifth Settlement – New Cairo
This policy has been prepared in accordance with Consumer Finance Law No. 18 of 2020, the Personal Data Protection Law No. 151 of 2020, and the relevant resolutions of the Board of Directors of the Financial Regulatory Authority.
