Privacy Policy

At Silsilat, we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our platform.

1. Information We Collect

Personal Information

We may collect personal information that you provide directly to us, including but not limited to:

• Name, email address, phone number, and contact details
• Business information for Ar-Rahnu Operators
• Financial information for funding and transaction purposes
• Identity verification information, such as identification documents
• Account login credentials
• Any other information you choose to provide

Automatically Collected Information

When you access or use our Services, we may automatically collect certain information, including:

• Log information (e.g., IP address, browser type, pages visited)
• Device information (e.g., device type, operating system)
• Location information (with your consent)
• Usage information (e.g., features used, interactions)
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing, maintaining, and improving our Services
• Processing transactions and sending related information
• Connecting Ar-Rahnu operators with liquidity partners
• Verifying identity and preventing fraud
• Communicating with you about our Services
• Sending promotional messages and marketing communications
• Monitoring and analyzing trends, usage, and activities
• Complying with legal obligations

3. Sharing of Information

We may share your information with:

• Other users of our platform as necessary to facilitate transactions (e.g., Ar-Rahnu operators and liquidity partners)
• Service providers who perform services on our behalf
• Financial institutions and payment processors to facilitate transactions
• Professional advisors, such as lawyers, auditors, and insurers
• Government authorities, law enforcement, and others as required by law
• Business partners and affiliates with your consent

We will not sell your personal information to third parties.

4. Data Security

We implement appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive information
• Secure socket layer (SSL) technology
• Regular security assessments and audits
• Access controls and authentication mechanisms
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Right to access your personal information
• Right to rectify inaccurate or incomplete information
• Right to delete your personal information
• Right to restrict processing of your information
• Right to data portability
• Right to object to processing
• Right to withdraw consent

To exercise these rights, please contact us using the information provided at the end of this Privacy Policy.

6. Cookies and Tracking Technologies

We use essential cookies and similar technologies to keep you signed in and to remember your preferences.

With your permission, our public pages also use Google Analytics to understand how they are used: which pages are visited, how visitors arrive, and how many submit a form. Google Analytics sets cookies (named _ga) and receives your IP address and browser details; we do not send it your name, email or phone number, we do not use it for advertising, and nothing is measured in signed-in areas. Google processes this data as our service provider and may do so outside Malaysia.

You choose when you first visit, and can change your choice at any time with “Cookie settings” in the footer. If you decline, Google Analytics is not loaded and its cookies are removed.

7. Third-Party Links and Services

Our Services may contain links to third-party websites or services that are not owned or controlled by Silsilat. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the privacy policies of any third-party websites or services you visit.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need to use your information, we will either securely delete or anonymize it.

9. International Data Transfers

Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have data protection laws that differ from the laws of your country. When we transfer your information, we take appropriate safeguards to ensure that your information receives an adequate level of protection.

10. Children's Privacy

Our Services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to delete such information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last updated" date, and the updated version will be effective as soon as it is accessible. We encourage you to review this Privacy Policy periodically to stay informed of how we use and protect your information.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at: @silsilatfinance on X