Sanad Cash, Inc.(“Sanad Cash”, “we”, “us” and/or “our”) owns
and operates Sanad Cash Expense Solution (“Expense Solution”) and this internet
website www.sanadcash.com (the “Sanad
Cash Website”) which has been created to provide information about Expense
Management Solution services to our Site visitors and others who use and
interact with the Sanad Cash Website (“you”, “your”).
policy with respect to information including personally identifiable data
(“Personal Data”) and other information that is collected from Website visitors
and in connection with the Sanad Cash Expense Solution.
Information Collected via the Sanad Cash Website:
Sanad Cash collects Personally Identifiable Information (“PII”) from our Sanad Cash Website when you choose to provide it to us. PII is any information that can be used to identify or locate a particular person or entity. This includes, but is not limited to: name, address, telephone number, or email address. For example, you may choose to send PII about yourself in an email, or by completing a form on this Sanad Cash Website or by submitting your resume. Sanad Cash uses this information only to contact you to respond to your inquiry. Once collected, we will maintain your PII for as long as reasonably required to fulfill your request, carry out the purpose for which the PII was collected, or satisfy Sanad Cash’s legal and business obligations.
Sanad Cash also collects Non-Personally Identifiable Information (“Non-PII”) from visitors to this Sanad Cash Website. Non-PII is information that cannot by itself be used to identify a particular person or entity, and may include your IP host address, pages viewed, browser type, Internet browsing and usage habits, Internet Service Provider, domain name, the time/date of your visit to this Sanad Cash Website, the referring URL and other analytics information. We use the Non-PII collected via the Sanad Cash Website in pseudonymized form for internal purposes only, to administer, improve and customize the Web site and to enable us to better understand how our Web site is being used by visitors in order to enhance their overall experience.
Our Website includes Social Media Features, such as the Facebook “Like” button and Widgets, (“Features”). These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. They may also allow third party social media services to provide us information about you, including your name, email address, and other contact information. The information we receive is dependent upon your privacy settings with the third party social media service. Features are either hosted by a third party or hosted directly on our site. Your interactions with these Features are governed by the privacy statements of the third party companies providing them. You should always review and, if necessary, adjust your privacy settings on third party websites and services before linking or connecting them to our website or Service.
Information Collected via the Sanad Cash Expense Solution:
Sanad Cash collects, directly and indirectly, Personally Identifiable data through the usage of Sanad Cash Expense Solution or through other channels are as follows:
§ Registration Data when you purchase or register for our Services or sign up for our Corporate Card Program or create an Sanad Cash account, we collect directly from you (or for certain corporate accounts, from your employers) Personal Data, including your name, date of birth, billing and mailing address, email, professional title, company name, phone numbers, credit card, other payment information, and password. In addition, we (or our third-party credit card or payment processor on our behalf) will collect Personal Data including your credit card number or account information when you choose a subscription model to pay for.
§ Transaction Data that Allows Us to Provide our Services to You. This includes financial information, such as bank account, payment card and other payment account, contact information (billing and mailing address, email address, and phone numbers), expense data, receipts, transaction data imported from third party financial service companies, and other details about reimbursements and payments to and from you and other details of products and services you have purchased from us. We collect your location-based information for the purpose of mileage tracking, providing location specific features, and to confirm your Sanad Cash cardholder status for specific events associated with the services. We may share your geo-location data with third parties for the sole purpose of providing these services. If you do not wish to allow us to collect and/or share your information in this manner please opt out by contacting us at support@SanadCash.com.
§ Technical Data. The Expense Solution (which may be hosted by a third-party service provider) collects Personal Data from you, such as browser type, your approximate geographic location of your mobile device or computer (from your Internet Protocol (IP) address), operating system and version, Internet Protocol (IP) address, domain name, information about your application, operating environment and hardware profiles and/or a date/time stamp for your visit. We may also use Identifiers (as defined below) and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and/or access to the Sanad Cash Expense Solution and your activity on the Application. Like most internet services, we automatically gather this Personal Data and store it in log files each time you visit the Expense Solution, use the Application or access your account on our network. We use mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the Application, the events that occur within the Application, aggregated usage, performance data, and where the Application was downloaded from. We do not link the information we store within the analytics software to any Personal Data you submit within the mobile Application.
§ Information about your Interactions with Sanad Cash. We collect information about your interactions with Sanad Cash, which may include your use of our products, services, websites or apps, including information collected using Cookies and other technologies. It may also include communications with us, such as if you contact our customer service centers, including recording calls and the contents of your device screen (by Sanad Cash itself or using a third-party service) for quality and training purposes. This may also include data about your participation in promotions or programs. This may also include data about how you exercise rights or preferences regarding your data. We also retain information on your behalf, such as the Personal Data described above and any correspondence. If you provide us feedback or contact us via email, we will collect your name and email address, IP address, as well as any other content included in the email, in order to send you a reply, and any information that you submit to us, such as a resume. If we conduct a survey in which you participate, we may collect additional profile information. We may also collect Personal Data at other instances in the Site or Application user experience where we state that Personal Data is being collected.
§ Third Party Data: We will collect your Personal Data from you unless it is unreasonable or impracticable to do so. However, we may collect and receive Personal Data about you from the following non-publicly accessible sources: (i) companies that distribute the Sanad Cash Service by way of a co-branded or private-labeled website, (ii) companies that offer their products and/or services via the Sanad Cash Service, (iii) companies affiliated with Sanad Cash, or (iv) companies that provide services (such as payment processing services) in connection with the Sanad Cash Expense Solution, including without limitation Issuers and Card Networks (as such terms are defined in the Corporate Card Program Terms) (collectively, “Partner Companies”). Our Partner Companies may supply us with Personal Data, such as your name and email and mailing address information or your login credentials for such Partner Company’s website or service, in order to help us establish the account or fulfil orders. We may also collect your Personal Data if necessary from public sources (such as LinkedIn, Corporate Subscribers Websites). We may add this information to the information we have already collected from you via our website, Expense Solution and Application in order to perform and improve the Sanad Cash Expense Solution. If you provide us Personal Data about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
We also collect, use and share aggregated or de-identified, such as statistical or demographic data. This information has either been de-identified or otherwise combined with that of other users and analyzed or evaluated as a whole, such that no specific individual may be identified. We may use aggregated or de-identified data for purposes such as research and marketing purposes and may also share such data with any third parties, including advertisers, promotional partners, sponsors, event promoters, and/or others.
We do not collect any “Special Categories of Personal Data” about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data) nor do we collect any information about criminal convictions and offences.
Usage of Collected Information:
Sanad Cash uses information it receives and collects through the different channels to:
§ Facilitate the creation of and secure your account on our network;
§ Identify you as a Member in our system;
§ Administer and provide improved administration of the Sanad Cash Expense Solution;
§ Improve the quality of experience when you interact with the Sanad Cash Expense Solution, including staff training;
§ Send you a welcome email to verify ownership of the email address provided when your account was created;
§ Send you administrative email and/or chat notifications, such as security or support and maintenance advisories;
§ Collect fees and payments owing to us;
§ Respond to your inquiries related to employment opportunities or other requests and to resolve disputes;
§ Provide you with access to and information about customized features, new functionality, and partner integrations;
§ Send promotional communications newsletters, personal interest pieces, interests for the Sanad Cash community, and news about events, elections, and campaigns;
§ Provide you with hardcopy or electronic newsletters, or surveys;
§ Send with your consent (or where a friend has referred you to us) upgrades and special offers related to the Sanad Cash Expense Solution and for other marketing purposes of Sanad Cash or our Partner Companies;
§ Prevent and identify fraud and other illegal activity including but not limited to making telephone calls to you, from time to time, as a part of secondary fraud protection or to solicit your feedback;
§ Verify your identity as part of compliance with requirements of Partner Companies or applicable regulations;
§ Compare information provided by you for accuracy and verification with third parties;
§ Provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses and responding to consumer rights requests;
§ Otherwise: described to you when collecting your personal information; directed by you; needed to comply with laws; and
§ Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our consumers is among the assets transferred.
From time to time, we may also use your Personal Data to send important notices to you, such as communications about purchases you have made, or changes to our terms and conditions or other policies. This information is important to your interactions with us, and you acknowledge that if you opt out of receiving these communications, where permitted by applicable law, Sanad Cash reserves its right to discontinue its services to you.
In some cases, we collect information provided by our Corporate Members, and in such cases, we have no direct relationship with the individuals whose Personal Data we process. If you believe your Personal Data has been collected by us in such circumstances and would no longer like to be contacted as an employee or customer of one of our Corporate Members, please contact that Corporate Member directly in order to request your removal.
We may send you push notifications from time-to-time in order to update you about any events or promotions that we may be running. If you no longer wish to receive these types of communications, you turn them off at the device level. To ensure you receive proper notifications, we will need to collect certain information about your device such as operating system and user identification information.
The security of your information is important to us. Sanad Cash has implemented reasonable security measures to protect the information in our systems, both during transmission and once it is received. This includes, but is not limited to, the use of firewalls and encryption. No method of transmission over the Internet or method of electronic storage is 100% secure; therefore, while the company strives to use commercially acceptable means to protect your information, it cannot guarantee absolute security.
Third Party Advertisers and Links
This Website may contain links to other sites that are not owned or controlled by Sanad Cash. Sanad Cash is not responsible for the privacy practices of such third parties or the privacy policies governing their web sites.
We process information in a way that is compatible with and relevant for the purpose for which it was collected. To the extent necessary for those purposes, we take reasonable steps to ensure that any information in our care is accurate, complete, current and reliable for its intended use.
Data Sharing, Onward Transfer:
We may share PII information under the following circumstances:
· With third party vendors and other service providers who work for us and need access to your information to do that work. These third parties are prohibited from using the information for purposes other than performing services for us;
· To comply with laws or to respond to lawful requests and legal process and in order to investigate, prevent, or take action regarding suspected, or actual prohibited activities, including but not limited to fraud and situations involving potential threats to the physical safety of any person;
· We may also share aggregated or anonymized information without restriction.
Finally, Sanad Cash may transfer information, including any PII, to a successor entity in connection with a corporate merger, consolidation, sale of assets, bankruptcy, or other corporate change. If Sanad Cash is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Sanad Cash Website of any change in ownership or uses of your information, as well as any choices you may have regarding your information. Sanad Cash may share information about individuals as it deems reasonably necessary in order to comply with applicable law, to exercise and protect the legal rights of Sanad Cash or its personnel and representatives, and to investigate, prevent or respond to suspected illicit activities, including fraud and threats of harm to individuals.
Data Storage and Cross-border Data Transfers:
Our Sanad Cash Website and Expense Solution are hosted in the European Union. By using the Sanad Cash Website, you authorize the export of information including your PII to the European Union and its storage and use as specified in this policy. Given that we are an international business, our use of your information necessarily involves the transmission of data on an international basis. Please be aware that information we collect may be transferred to and processed in the European Union and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen.
Information Relating to Children:
Sanad Cash Website and Expense Service is directed primarily to our clients and prospective clients, which are generally businesses. We do not knowingly collect PII from anyone under the age of 13. If the company is made aware that it has received PII from someone under 13, it will use reasonable efforts to remove that information from its records.
Questions and Concerns:
If you have questions about Sanad Cash’s privacy practices, you may contact us at this email address: email@example.com, or you can send correspondence to the following address
Sanad Cash, Inc.
Address: Office number 2, Alia Plaza Complex, Al-Rabie Area, Riyadh, KSA.
City, Country: Riyadh, KSA.