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Privacy Policy
iMowazi

This Privacy Policy describes how Almowazi Capital (the "Company," "We," or "Us") collects, uses, and shares your personal information when you visit our platform or use our services.

 

The iMowazi platform is a digital securities-based crowdfunding platform owned and operated by Almowazi Capital K.S.C. (Closed). While the platform operates under the iMowazi brand, it is not a separate legal entity. All services, data processing activities, and legal obligations related to the platform are undertaken by Almowazi Capital in its capacity as a licensed and regulated entity under the laws of the State of Kuwait and the Capital Markets Authority (CMA).

 

We understand that securities-based crowdfunding is a complex and risky environment, and We are committed to protecting your privacy and security. This Privacy Policy is designed to help you understand how We collect, use, disclose, and safeguard the data you provide to Us when you use our securities-based crowdfunding platform and related services. If any of the provisions of our Privacy Policy are deemed unlawful or invalid under applicable laws, those provisions will be removed. The remaining terms of the privacy policy will remain valid and enforceable. 

 

We encourage you to review the following sections of Almowazi Capital and hence iMowazi's privacy policy, as it forms an essential component of our terms and conditions of use.

 

By using our securities-based crowdfunding platform, you acknowledge that you have read and accepted this Privacy Policy

  1. Information We Collect
    • We collect personal information about you in a variety of ways, including:
      • When you create an account on our platform or use our services, We collect your name, email address, and other information as required from a Compliance perspective.
      • When you transact on our platform, We collect information about your transactions, such as the projects that you invested in, the value invested, and the date of the transaction.
      • We also collect information about your use of our platform and services, such as the pages you visit, the features you use, and the time you spend on our platform.
      • We may also obtain personal information about you through your use of our platform, or through the use of cookies on our platform, in particular by recording which pages you look at on our platform. We may record any communications, electronic, by telephone, in person or otherwise. Such telephone conversations may be recorded without the use of a warning tone or any other further notice. These recordings will be Almowazi Capital and hence iMowazi's sole property and will constitute evidence of the communications between Us.
      • Before you disclose to Us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.
    • In addition to the above, We also collect the following information for the securities-based crowdfunding platform:
      • Your investment objectives and risk tolerance.
      • Your investment experience and knowledge.
      • Your financial situation and net worth.
  2. How We Use Your Information:
    • We use your information to:
      • Provide you with access to our platform and services.
      • Process your investments and other transactions.
      • Communicate with you about your account and the services you use.
      • Improve our platform and services.
      • Protect against fraud and other illegal activity.
      • Comply with our legal obligations.
      • Audit your use of our services.
      • Support certain automated processes, such as assessing your eligibility or risk profile. If you believe an automated decision has impacted you unfairly, you may request a human review by contacting our Compliance Department
  3. How We Share Your Information:
    • We share your information with:
      • Arab Investment Company (AIC) as our subscription agent.
      • Third-party service providers who help Us provide our platform and services, such as payment processors, offer issuers, and customer support providers. These third-party service providers are only given access to the information they need to perform their services, and they are contractually obligated to keep your information confidential.
      • Government agencies and other regulatory bodies, as required by law.
      • Other parties in connection with a corporate transaction, such as a merger or acquisition.
  4. Risks Associated with Securities-based Crowdfunding: 
    Investing in crowdfunding projects is a complex and risky activity. It is important to understand the risks involved before engaging in crowdfunding. Some of the risks associated with crowdfunding include:
    • Loss of investment: The value of crowdfunded projects and investments can fluctuate wildly, and there is always the risk of losing some or all of your investment.
    • Illiquidity: Crowdfunding projects can be difficult to sell, and you may not be able to find a buyer for your securities when you want to sell.
  5. How We Protect Your Privacy and Security:

We implement reasonable technical and organizational safeguards to prevent unauthorized access, use, or disclosure of your personal data. While no system can guarantee absolute security, We are committed to maintaining high standards of protection.

In the event of a data breach affecting your personal data, we will notify you promptly in accordance with applicable legal requirements and coordinate with relevant authorities to mitigate the impact.

Additionally, We use cookies and similar technologies to analyze user behavior, enhance platform functionality, and deliver a more tailored experience. You may manage cookie preferences through your browser settings.

  1. Changes to This Privacy Policy:
    We may update this Privacy Policy from time to time. If We make any material changes, we will post a notice on our platform and send you an email notification (if you have provided Us with your email address).
  2. Disclosing personal data
    • As part of using your personal information for the purposes set out above, We may disclose your information to: 
      • Any of our partners, employees, officers, insurers, professional advisers, credit providers, agents, suppliers, subcontractors and anyone authorized by you insofar as reasonably necessary for the purposes set out in this policy.
      • We may disclose your personal information to Arab Investment Company, Capital Markets Authority, and any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.
    • We may also disclose your personal information to any party in the following cases:
      • With your consent;
      • Necessary for contracted services, where We process your personal information for requested or purchased services, including those provided by Almowazi Capital.
      • For our partner's legitimate interests;
      • In the event of Almowazi Capital's dissolution, liquidation, and/or asset sale;
      • To comply with legal obligations or applicable law
    • We may disclose your personal information: 
      • To the extent that We are required to do so by law;
      • In connection with any ongoing or prospective legal proceedings;
      • In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
      • To the purchaser (or prospective purchaser) of any business or asset that We are (or are contemplating) selling.
    • Except as provided in this policy, We will not provide your personal information to third parties.
    • Neither We or all of the aforementioned can use your personal information for marketing services unless We get your direct consent in this regard.
    • For each of those We provided information to, are obliged to follow our privacy policy only in securing your personal information collected through our services and pledge to not share and use your personal information in a harmful way.
    • The user undertakes and agrees hereby that Almowazi Capital and hence iMowazi shall not be responsible for any unauthorized use or access of your personal information by the partner or any third party. Moreover, the user shall not hold Almowazi Capital liable for the content or practices of the platform operated by any parties associated with the services or arising from them.
  3. International data transfers
    • Information that We collect may be stored and processed in and transferred between any of the countries in which We operate in order to enable Us to use the information in accordance with this policy.
    • You expressly agree with the transfers of personal information described in this Section 8.
  4. Retaining personal data
    • Section 9 sets out our data retention policies and procedures, which are designed to help ensure that We comply with our legal obligations in relation to the retention and deletion of personal information.
    • We hold personal information in a combination of secure computer storage facilities and paper-based files and other records and take steps to protect the personal information We hold from misuse, loss, unauthorized access, modification or disclosure.
    • When We consider that personal information is no longer needed, We will remove any details that will identify you or We will securely destroy the records. However, We may need to maintain records for a significant period of time if necessary. For example, We are subject to certain anti-money laundering laws which require Us to retain: 
      • A copy of the documents We used to comply with our customer due diligence obligations; and
      • Supporting evidence and records of transactions with you and your relationship with Us, for five years after our business relationship with you has ended.
    • Notwithstanding the other provisions of this Section 9, We will retain documents (including electronic documents) containing personal data: 
      • to the extent that We are required to do so by law;
      • if We believe that the documents may be relevant to any ongoing or prospective legal proceedings; and
      • in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).
    • You may request access to the personal data We hold about you, or ask Us to correct or delete inaccurate or outdated information
  5. No liability

Almowazi Capital and hence iMowazi and its operators are not liable for financial losses, damages, or liabilities resulting from crowdfunding activities. We do not guarantee information accuracy, investment outcomes, prevention of hacking, or complete virus entry prevention. Almowazi Capital and hence iMowazi is not legally liable for any damage resulting from a breach of confidentiality regarding your information. We are not responsible if any third party discloses your personal information. Your investment decisions are your responsibility. Hereby, you waive any rights to bring forth claims against Us.

  1. Amendments
    • We may update this policy from time to time by publishing a new version of our application.
    • You should review this page regularly to ensure you are aware of any changes to this policy.
  2. Governing law and jurisdiction

Any dispute relating to the enforcement, interpretation, or application of the Privacy Policy shall be governed by and construed by the laws of the State of Kuwait. Any dispute arising out of or in connection with this Privacy Policy, or any usages of Almowazi Capital Services including the iMowazi platform shall be dealt with through the Courts of the State of Kuwait to the exclusion of all others.

  1.  Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors without verified parental or legal guardian consent. If We discover such data has been collected inadvertently, We will take immediate steps to delete it.

  1. Third-Party Links

Our platform may contain links to external websites operated by third parties. Please note that We are not responsible for the content, privacy practices, or data protection measures of those external sites. We encourage you to review their privacy policies before sharing any personal information.

  1. Our details
    • This application is owned and operated by Almowazi Capital KSC (Closed)
    • We are registered in Kuwait under registration number [492554], and our registered office is at Qibla, AlSahab Tower, floor 15.
    • To exercise your privacy rights, including data access, correction, restriction, objection, or portability, you can contact Us by writing to the business address given above, by using our application contact form, by emailing [email protected] or by telephone at +9651883030.
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iMowazi, a securities-based digital crowdfunding platform, is designed to connect Kuwaiti business with a diverse range of investors. While the platform provides access to various crowdfunding opportunities; however, it is important to note that iMowazi does not recommend or endorse any specific projects or investment opportunities presented on the platform. Furthermore, iMowazi does not provide support for the growth or development of the companies listed. 

Investors bear full responsibility for conducting their own due diligence including analyzing and assessing the risks associated with any crowdfunding opportunity made available through the platform. The inclusion of any company or project on the platform shall under no circumstances be considered an endorsement, recommendation, or guarantee by iMowazi of the project’s future investment performance. Users of the platform should be aware that all investments involve substantial risks, and past performance is not indicative or reliable indicator of future results. 

iMowazi treats all investors equally, ensuring no one receives preferential treatment. The annual investment amount for each investor varies based on their classification, which is determined by factors like income, net worth, and prior investment experience. This approach aims to protect investors and encourage responsible investing.
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