Welcome to CBL Pay!
Your privacy is important to us. This Privacy Policy outlines how we collect, use, store, and protect your information when you use the CBL Pay mobile application ("App"). By downloading or using the App, you agree to the practices described in this Privacy Policy. By using CBL Pay, you consent to the collection, processing, and use of your data as described herein.
1. About CBL Pay
CBL Pay is an exclusive e-payment service developed for employees and personnel of the Central Bank of Libya (CBL). The App facilitates secure financial transactions, internal banking operations, and access to employee-related services, providing a unified digital banking solution.
2. Information We Collect
2.1 Personal Information
- Account Details: Name, employee ID, phone number, email address, and banking details.
- Biometric Data: Fingerprint or facial recognition (if enabled) for secure login and transaction approval.
- Photo Picker Usage: Occasionally, during the enrollment process, the App may require access to your device’s photo picker to upload personal identification documents or other necessary files.
2.2 Device Permissions
- Location: To verify your geographic area for fraud prevention, regulatory compliance, and enhanced service delivery.
- Camera: For QR code scanning, document uploads, and additional in-app functionalities.
- Photo Picker (Gallery-Scoped storage): Used during enrollment or for document uploads (requires your explicit permission).
- Scoped Storage: To upload and download documents (e.g., PDFs) and store transaction receipts securely.
- Phone: For secure and direct communication with customer support.
- Notifications: To deliver alerts regarding transactions, updates, or important announcements.
2.3 Usage Information
- App Interactions: Logs of actions performed within the App, such as transactions or frequently used features.
- Device Information: Details such as device model, operating system, unique device identifier, and network information to optimize performance and ensure compatibility.
3. How We Use Your Information
- To facilitate secure and efficient financial transactions within the Central Bank of Libya’s system.
- To verify your identity and prevent fraud or unauthorized access.
- To enhance the App’s functionality, security, and user experience.
- To provide technical and customer support for resolving inquiries or issues.
- To comply with applicable laws, regulations, and banking industry standards.
- To send notifications, transaction alerts, or important updates with your consent.
4. Sharing Your Information
We do not sell or rent your personal information. However, we may share it in the following circumstances:
- Internal Use: With relevant departments of the Central Bank of Libya to process financial transactions and provide employee services.
- Service Providers: With trusted third-party service providers assisting in App maintenance or technical support (under strict confidentiality agreements).
- Regulatory Authorities: To comply with Libyan laws, regulations, or government requests.
- With Your Consent: For additional purposes that will be clearly disclosed at the time of data collection.
5. Data Storage and Security
We employ advanced security measures to protect your information from unauthorized access, alteration, or misuse, including:
- Encryption: All data is encrypted during transmission (using HTTPS) and at rest to ensure privacy and security.
- Access Controls: Data access is restricted to authorized personnel only.
- Regular Security Assessments: We periodically assess our systems to address vulnerabilities and maintain compliance with industry standards.
Data Retention
Your data will be retained as long as necessary for the provision of services, compliance with legal obligations, or resolution of disputes.
Data Deletion
You may request deletion of your account and associated information by contacting our support team (see Section 10). Upon request, we will securely delete your data, unless retention is required by law.
6. Your Rights
- Access and Correction: View and update your personal information directly through the App.
- Withdraw Consent: Manage or revoke permissions (e.g., location, notifications) via your device settings.
- Data Deletion: Request deletion of your account and associated data by contacting our support team.
7. Third-Party Services
The App may integrate with third-party services for analytics, payment processing, or other functionalities. These services operate independently and are governed by their own privacy policies. We encourage you to review those policies when interacting with third-party features.
8. Children’s Privacy
CBL Pay is exclusively designed for employees and personnel of the Central Bank of Libya. The App is not intended for individuals under the age of 18, and we do not knowingly collect data from minors.
9. Changes to This Privacy Policy
We may periodically update this Privacy Policy to reflect changes in our practices or legal requirements. Users will be notified of significant changes through in-app notifications or email. Continued use of the App after such updates constitutes your acceptance of the revised Privacy Policy.
10. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
- Email: support@centralbankoflibya.org
- Phone: +218 91 766 7647