Privacy Policy

This Privacy Policy explains how IQSATI may collect, use, disclose and protect personal information when you use the IQSATI marketplace, customer features, merchant portal and related services.

It applies to visitors, customers, merchants and other users of IQSATI unless a separate privacy notice or written agreement applies.

Depending on how you use IQSATI, we may collect account information such as your name, email address, phone number, login details and profile information.

For installment applications, we may collect information submitted as part of an application, including identity details, employment or income-related information, addresses, references and supporting documents where required by the participating merchant or the platform workflow.

For merchants, we may collect business details, contact information, branch information, product data, payment-related records and onboarding information.

We may also collect technical and usage information such as IP address, browser type, device information, pages viewed, interactions, timestamps and security-related logs.

We may use personal information to operate IQSATI, create and manage accounts, process installment applications, support merchant operations, display relevant products and plans, provide customer support and maintain platform security.

We may also use information to improve the marketplace, analyze usage, prevent fraud, troubleshoot technical issues, communicate service updates and meet legal or regulatory requirements.

Where required, marketing or promotional communications should be sent in accordance with applicable consent and communications rules.

When a customer submits an installment application, relevant application information may be made available to the participating merchant so the merchant can review the request.

The merchant may use the information according to its own approval process, business rules and legal obligations.

IQSATI should limit access to application data to users and merchants who are authorized to view it for legitimate platform or business purposes.

IQSATI may process or display payment-related information, installment schedules, transaction references and account balances as part of the platform experience.

Where payments are handled by a bank, payment processor, fintech partner or other third party, that provider may collect and process payment information under its own privacy terms.

IQSATI should avoid storing sensitive payment credentials that are not required for the platform to operate.

Personal information may be shared with participating merchants when necessary to process an installment application, provide fulfilment or support the customer relationship.

Information may also be shared with service providers that support hosting, communications, analytics, security, payments, customer support or other operational functions.

IQSATI may disclose information where required by law, regulation, legal process, court order or a lawful request from a competent authority.

We should not sell personal information in a way that is inconsistent with this Privacy Policy or applicable law.

IQSATI may display sponsored products, featured merchants, promotional banners and other advertising.

Advertising may be selected based on marketplace context, product categories, merchant campaigns or other permitted information.

If third-party advertising technologies are introduced, this Privacy Policy should be updated to explain what data those providers collect and how users can manage relevant choices.

IQSATI may use cookies, local storage and similar technologies to keep users signed in, remember preferences, support security and understand how the platform is used.

Some cookies may be necessary for the platform to function, while analytics or advertising cookies may require additional notice or consent depending on applicable law.

IQSATI may retain personal information for as long as reasonably necessary to provide services, maintain business and transaction records, resolve disputes, support security and comply with legal or regulatory obligations.

Retention periods may differ depending on the type of information, the user relationship and applicable requirements.

IQSATI should use reasonable administrative, technical and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse or disclosure.

No online system can guarantee absolute security, so users should also protect account credentials and immediately report suspected unauthorized access.

Depending on applicable law, users may have rights to request access to personal information, correction of inaccurate information, deletion in certain circumstances or information about how personal data is used.

Some information may need to be retained where required for legal, financial, security, fraud-prevention or legitimate business purposes.

Requests can be submitted through IQSATI's official contact channels and may require identity verification before action is taken.

Participating merchants may independently control or process customer information received through IQSATI for application review, fulfilment and account management.

Merchants are responsible for handling customer information lawfully and securely within their own operations.

Where appropriate, IQSATI may require merchants to comply with privacy, confidentiality and data-security obligations as part of their platform agreement.

IQSATI may link to or integrate with merchant websites, payment providers, banks, analytics tools and other third-party services.

Those third parties may have their own privacy practices, and IQSATI is not responsible for their independent policies except where required by law or contract.

IQSATI is intended for users who are legally able to enter into relevant marketplace or installment arrangements.

The platform should not knowingly collect personal information from children where such collection is not permitted. Age-related requirements should be finalized based on applicable Pakistani law and the eligibility rules for installment transactions.

IQSATI's service providers may process or store information in different locations depending on hosting, cloud, communications or other infrastructure choices.

If personal data is transferred across borders, IQSATI should use appropriate safeguards and comply with applicable legal requirements.

IQSATI may update this Privacy Policy when the platform, business practices, legal requirements or data-processing activities change.

The updated version should be posted on this page with a revised effective date.

For privacy questions, requests or concerns, contact IQSATI through the Contact page or the official support channels published on iqsati.com.