Privacy Policy


This Privacy Notice describes how SEEN TARBI FOR FINTECH and other companies within the Group manage the Information that you provide to us. This Notice explains how we will use that information, who we might share it with, and what steps we will take to make sure it stays private and secure. This Notice continues to apply even if your agreement for other products and services with us ends. This Notice may be updated from time to time and our Site will indicate when the Notice has been updated. You may access the current version of this Notice at any time by clicking on the 'Privacy Policy' link at the footer on our Site. You are advised to review this Notice periodically for any changes. Changes to this Notice are effective when they are posted on this page. If we have provided you with separate or further information about how we collect and use your Personal Information for a particular product or service, those terms will also apply. If you interact with us in a different context, separate terms might apply to that interaction. Where we provide you with other terms, those terms will always take precedence over this Notice. There may be times when links on our Site take you to a third party's website which is not managed or connected to Lean. When this happens, that third party's own privacy and information policies, which may be different to this Notice, will apply


In this notice, the following capitalized terms have the meaning assigned to them below unless expressly stated otherwise:

  • Cookies

means the small files stored on your device (computer or mobile device

  • Information

means your Personal Information and Usage Information, including any information you provide to us via web form, surveys and questionnaires.

  • KSA

means the Kingdom of Saudi Arabia.


means SEEN TARBI FOR FINTECH Technologies. See the 'contact us section below for more information on how to get in touch with us depending on which country you are in.

  • Personal Information

means any information that can be used to identify an individual, whether directly or indirectly, and may include, but is not limited to name, email address, postal address, mobile phone number, location information, login information, biometric, economic, cultural, and social information.

  • Services

means the services and/or products offered by SEEN TARBI FOR FINTECH, accessible via our Site

  • Service Providers

means third-party companies and individuals engaged by SEEN TARBI FOR FINTECH to facilitate the Services, provide or perform the Services on SEEN TARBI FOR FINTECH’s behalf or assist us in analyzing how the Services are used.

  • Site

means SEEN TARBI FOR FINTECH website at{' '}https://xsquare.sa/, widgets, portals, all attached domains and other web and mobile-based applications (app).

  • User

means the person who is using the Site and who is the subject of the Information we collect.

What information we collect about you

When you sign up for a SEEN TARBI FOR FINTECH account or use any of the Services provided via our Site, we will collect the following Information about you. This information also helps us to verify who you are. This will include Information, such as:

  • your name, date and place of birth.
  • contact details, such as your home address (and previous addresses), email and phone number.
  • information about your identity, such as a copy of your ID document (i.e. passport and national ID)
  • any details you give us through the SEEN TARBI FOR FINTECH chat feature on our Site or Information we collect or generate about you when you get in touch with us, including Information we collect or generate when you use our services, including any details that are submitted to us via web form, email, the SEEN TARBI FOR FINTECH portal or any other digital or paper mechanism.

We will collect this information to give you services in a safe and lawful way, and to keep improving them. This may include collecting:

    • details about payments to and from your SEEN TARBI FOR FINTECH account and your savings activity.
    • details about services from us and our partners that you express interest in.
    • details about how you use our Site.
    • the mobile network and operating system you use so we can analyze how our Site works and fix any issues.
    • your location if you've authorized tracking, so we can help protect you against fraud.

We may also get Information about you from external sources to help us verify your identity and manage our business risk. This may include engaging with credit reference or fraud prevention agencies and KYC (Know Your Customer) and service providers to fulfil our legal duties.

How we use your information

SEEN TARBI FOR FINTECH collects and uses your Information for various purposes, and will always have a lawful basis for doing so. We may need to use your Personal Information for an agreement we have with you, or to enter into an agreement with you, to enable us to comply with the law; or we may use your Personal Information for our legitimate interests, or those of a third party (for example, to help product development and marketing, to manage our business risk, financial affairs and to protect our staff, or for security and maintenance).

We may also use your information to:

    • develop, operate, provide, maintain, and improve our Services, now and in the future. keep you up to date on the latest Service announcements, system enhancements, special offers, and other information.
    • provide and receive information, support, feedback and assistance related to our Services.
    • enable you to create personal profile areas and view protected content.
    • analyze usage trends and the preferences of our users, and to conduct questionnaires and surveys, in order to provide better services (your completion of these questionnaires will always be voluntary).
    • contact you for administrative purposes, such as customer support.
    • send communications, including updates on promotions and events, relating to products and services offered by us.
    • personalize content and advertising to your preferences.
    • protect, investigate, and deter fraudulent, unauthorized, or illegal activity

If you participate in our activity or forum on our Site, the information that you provide will be made visible to others.{' '}

Your rights in relation to your personal information

You have a number of rights in relation to the Personal Information that we hold about you. These rights include:

    • the right to obtain information regarding the processing of your Personal Information and access to the Personal Information which we hold about you (we will notify you of the personal data in our databases, including available details about the origin of the data, the purpose and, where appropriate, the legal basis for the processing and the categories of the processed data, the parties involved in the data collection and the data recipients. Please send us requests for information in writing, together with a clearly legible copy of a valid official ID document (e.g., passport, ID card, driving license).
    • in certain circumstances, the right to withdraw your consent to our processing of your Personal Information. Please note, that we may still be entitled to process your Personal Information if we have another legitimate reason for doing so and your withdrawal of consent will not affect the lawfulness of the processing that has taken place previously.
    • in some circumstances, the right to receive copies of your Personal Information electronically and/or request that we transmit the Personal Information to a third party where is technically feasible. Please note that this right only applies to the Personal Information which you have provided to us.{' '}
    • you have a right to request that we rectify your Personal Information if it is inaccurate or incomplete.
    • you have a right to request that we erase your Personal Information in certain circumstances. Please note that there may be circumstances where you ask us to erase your information but we are legally entitled to retain it.
    • you have a right to lodge a complaint with the relevant regulator if you think that any of your rights have been infringed by us.{' '}

What we expect from you

You are responsible for making sure the information you give us is accurate and up to date. And you must tell us if anything changes, as soon as possible. If we ask you for any information and you do not provide it to us, we may stop providing existing Services to you.

If you give us any information about another person connected to your account, you must tell them what information you have given to us, and make sure they are informed of the contents of this Notice and agree that we can use it as set out in this Notice. You must also tell them how they can see what information we have about them and how to correct any mistakes.

Unsubscribing and opting out

We may use your Information for marketing purposes. Each promotional email you receive from SEEN TARBI FOR FINTECH or any of our affiliated third parties will include instructions on how you can unsubscribe from that category of mailing or from receiving emails from that third party. You may also unsubscribe from SEEN TARBI FOR FINTECH’s promotional emails by sending an email, including your name and email address to the contact details below.

Profiling, usage information and location data

We may analyze and evaluate your Information in an automated manner so as to identify significant personal characteristics of yourself or to predict developments and create user profiles. These may be used for business-related checks, individual management, advisory or financial services and the provision of offers and information that we, or our third-party affiliates, may make available to you.

When providing you with our services, we may make decisions about you by automated means. For example, we use technology that helps us identify the level of risk involved in user or account activity (i.e. for credit, fraud or financial crime reasons). We may also use the information received by third-party providers to identify if someone else is using your SEEN TARBI FOR FINTECH account without your permission.{' '}

You have a right to certain information about how we make these decisions. We ensure that a suitable contact person is available if you wish to express a view on any automated individual decision where such an opportunity to express a view is required by law. Please contact us using the contact details below for more information

In some instances, SEEN TARBI FOR FINTECH may collect non-personal (aggregate or demographic) data through cookies, web logs, and web beacons. This information may include, but is not limited to, information such as your computer's internet protocol address (e.g. IP address), browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access our site with a device, the Information may also include such as the type of device you use, your device unique ID, the IP address of your device, your device operating system, the type of internet browser you use, unique device identifiers and other diagnostic data.

This information allows us to better understand and improve the usability, performance, and effectiveness of our site and to correct any problems that may occur. Please read the 'Cookies' section below for more information. We may also collect and store your location data when you access our Site via a mobile device or computer. You can enable or disable location services when you use our site at any time through your device settings.

Sharing your personal information

We will never sell or rent your Personal Information to third parties for marketing purposes. We may share and transfer your Personal Information within the SEEN TARBI FOR FINTECH Group and with our affiliated companies, Service Providers and any third parties engaged by us where:

  • we need to for the purposes of providing you with products or services you have requested (i.e. application development and providing User support).
  • we have a public or legal duty to do so (i.e. to assist with detecting fraud, regulatory reporting, litigation or defending our legal rights). we have a legitimate reason for doing so (i.e. to manage risk, verify your identity, or assess your suitability for products and services).
  • we have asked you for your permission to share it, and you have agreed.
  • We only share your Personal Information to the extent that the other party reasonably needs it to complete or utilize the requested product or transaction, or to perform their function. All of our affiliated companies, Service Providers and any third parties engaged by us are not permitted to use your Personal Information except for the specific purposes, as agreed with SEEN TARBI FOR FINTECH.

On occasion we may transfer and disclose your Information in other cases including :

  • in response to subpoenas, court orders, legal processes or according to the requirements of applicable laws. We will only share such Information if required to do so, if we in good faith believe it is necessary, or if it is otherwise advisable to cooperate with law enforcement or other governmental agencies.
  • to establish or exercise our legal rights or defend against legal claims to investigate, prevent, or take action against illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of SEEN TARBI FOR FINTECH's terms of service, or as otherwise that we believe in good faith is required by applicable law.
  • when there is a sale or transfer of all or part of SEEN TARBI FOR FINTECH's business or assets (which could include any merger, financing, acquisition, or bankruptcy).
  • we may also share aggregated and/or anonymized data with others, such as our financial institution partners, for their own uses, to meet our reporting obligations, or to indicate our Users' interests, habits, and usage patterns. For example, we may share such information publicly to show trends in the general use of our Services. However, you will not be able to be individually identified from this information.

Cross border transfers of your personal information

Our platform is hosted on Oracle Cloud in the Kingdom of Saudi Arabia and is subject to the laws of the Kingdom of Saudi Arabia and the regulations issued by the National Data Management Office, the regulatory arm of the Saudi Data and Artificial Intelligence Authority (SDAIA) and is compatible with the regulations of the Saudi Arabian Monetary Authority (SAMA) and the cybersecurity framework of Saudi Arabian Monetary Authority (SAMA) and comply with the Data Protection and Management Framework.

 Personal information is stored within the Kingdom of Saudi Arabia and will not be shared or transferred outside the Kingdom of Saudi Arabia.

Data on operations may be shared outside the Kingdom of Saudi Arabia for the purposes of studying, Analyzing and classifying it. 

In the event that data is shared outside the Kingdom of Saudi Arabia, we will ensure that it is protected by us in a manner that is consistent with how your Personal Information will be protected by us in that country. We will always do this in a way that is permissible under applicable data protection rules.



Security of your personal information

SEEN TARBI FOR FINTECH is committed to protecting the Personal Information you share with us. We rely on a combination of industry-standard security technologies, procedures, and organizational measures to help protect your Personal Information from an accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, your Personal Information transmitted, stored or otherwise processed by us.
 We advise that you take every precaution to protect your Personal Information when you are accessing our Site and using our Services. For example, we recommend that you change your passwords regularly, use a combination of letters and numbers when creating passwords, and make sure you use a secure browser.


  • SEEN TARBI FOR FINTECH uses technologies such as Cookies and web beacons, which allow us to make your visit to our Site easier, more efficient and more valuable by providing you with a customized experience and recognizing you when you return.
  • A Cookie cannot read Personal Information off your hard disk or read Cookie files created by other websites. The only Personal Information a Cookie can contain is information you supply yourself. Accepting the Cookies used on our Site may give us access to information about your browsing behavior, which we may use to personalize your experience and track your user traffic patterns, and merge this information when you register. We do this to determine the usefulness of our Site information to our Users and to see how effective our navigational structure is in helping users reach that information
  • In addition, SEEN TARBI FOR FINTECH uses web beacons in conjunction with cookies to understand User behavior. Web beacons are simply a convenient way of gathering basic statistics and managing Cookies and do not give away any extra information from your computer. Turning off your browser's Cookies will prevent web beacons from tracking your specific activity
  • If you prefer not to receive Cookies while browsing our Site or via our HTML formatted emails, you can set your browser to warn you before it accepts Cookies or refuse the Cookies when your browser alerts you to its presence. You may browse most of our Sites without accepting Cookies; however, some Site functionality may be lost by disabling Cookies on your computer. Certain features of the Site, particularly those which require a login and password, require Cookies and cannot be used when you have disabled Cookies in your browser.

Linked websites and services

Our Site and Services may provide links to other third-party websites and services which are outside our control and are not covered by this Notice. SEEN TARBI FOR FINTECH bears no responsibility for the information collected or used by any third-party website, and you release us from any liability for the conduct of these third parties. We encourage you to review the privacy policies and notices of any third-party website that you access.

Service providers

SEEN TARBI FOR FINTECH may engage third-party Service Providers from time to time. These Service Providers will have access to your Personal Information only to the extent necessary to perform the tasks assigned to them by us. All Service Providers engaged by SEEN TARBI FOR FINTECH are legally required to maintain the confidentially of your Personal Information, have in place systems and controls to protect against any loss or damage to your Personal Information, and must not disclose or use your Personal Information for any other purpose other than as they are instructed.

Children's privacy

Our Site is not intended for use by individuals under the age of 18 (Child or Children). We do not knowingly collect Personal Information from Children. If you become aware that a Child has provided us with Personal Information, please contact us immediately. If we become aware that we have collected Personal Information from a Child without parental consent, we will take steps to remove that information from our servers

How long we will keep your personal information

We will only retain your Personal Information for as long as reasonably necessary to fulfil the purposes we collected it for, including to satisfy any legal, regulatory, tax, accounting or reporting requirements.

On occasion, we may retain your Personal Information for a longer period, and even after you stop using our Services, in order to:

  • to respond to enquiries and complaints.
  • to comply with laws and regulations
  • in accordance with our internal policies and procedures.
  • to protect our interests

Contact us

Should you have any privacy-related questions or comments related to this Notice, please send an email to privacy@xsquare.sa or you may contact us at the relevant address below:

Country where you receive the Services

- Kingdom of Saudi Arabia

Data Controller


Contact details

 - 4024 Ghosn Alsalam,
 - Alrowais District, Jeddah 23213

- Email : privacy@xsquare.sa