Goal-based savings

RIZQ makes goal-based savings, effortlessly easy! Save money for long and short term goals or save collectively with your friends via shared goals envelopes.

Smart Payments

Conveniently schedule your monthly payments and effortlessly pay school fees, utility bills, bank payments, mobile top-ups, and more.

Loans

Never run out of money again because RIZQ is here for you! Apply for up to 50% instant loan against your salary in a matter of minutes.

Health Insurance

Enjoy a carefree life with easy and custom insurance plans to protect you and your loved ones.

Hisaab

Not just budgeting, but intelligent budgeting! Stay one step ahead, review your expenses, calculate savings, and discover new ways to save more.

PRIVACY POLICY

RIZQ strives to provide a safe, secure experience for all its users. This Privacy Policy details the online data collection and usage policies and practices that apply to the RIZQ web site and does not apply to information we collect in any other form. Rizq reserves the right to modify its Privacy Policy at any point in time without prior notice. By continuing to access this Site and/or by registering for a Wallet, you agree to be bound by the terms and conditions of this Privacy Policy and any modifications or amendments thereto.

The RIZQ site contains links to other web sites over which we have no control. We are not responsible for the privacy policies or practices of other web sites to which you choose to link from our site. We encourage you to review the privacy policies of those sites so you can understand how they collect, use and share your information.

 

Usage and Information Collection by RIZQ

We collect and utilize your personal data in order to register your mobile wallet (the “Wallet”) on our online platform (the “Site”). Such personal data includes but may not be limited to the following:

  1. Name
  2. Address
  3. Mobile Number
  4. Email Address
  5. CNIC Number
  6. Any other information that Rizq may require in order to set up your Wallet and render services to you through our Site.

Non-Personally Identifiable Data

We also gather information about our users' use of RIZQ, such as what areas of the Site you visit and what services you access. We collect your IP address, browser type, domain names, access times and referring Web site addresses. This information is logged to help diagnose technical problems, as well as administer the site in order to constantly improve the quality of our site and service to you. We may also track and analyze aggregate usage and volume statistics from our site to improve the services we offer on our site. None of this information is linked to your personally identifiable information.

Our Use of Your Information

We use information we gather on RIZQ, whether personal, demographic, aggregate and/or technical, for the following purposes:

  1. In order to operate and improve the RIZQ web site;
  2. In order to enhance your user experience;
  3. In order to render services to you related to the Wallet and Site;
  4. In order to identify security risks and technical issues.

Disclosure of Personal Information to Third Parties

  • We use third-party service providers to administer some of our services to you on our Site (e.g., such as administering health insurance-related services to you). We disclose your data on an ‘as and when needed’ basis. Such third-party service providers are not authorized to disclose your data to any other party and may only utilize it to the extent of rendering services to you through our Site.
  •  We disclose information if legally required to do so, if requested to do so by a government entity or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process such as in complying with a judicial proceeding, court order or subpoena; (b) protect our copyrights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
  • We disclose your data with our affiliated individuals or corporate entities in order to perform certain services e.g., for the purposes of conducting market analysis, delivering content and communication or managing user relationships.
  • In order to identify security risks and technical issues.
  • In the event of a sale or merger of our business, your information would be a part of the assets transferred. In addition, in the event we become the subject of bankruptcy proceedings, whether voluntary or involuntary, we or our trustee in bankruptcy may sell, license or otherwise dispose of such information in a transaction approved by the bankruptcy court. In the event of any such circumstances, you will be notified via email/through a notice posted prominently on the RIZQWebsite. We use a service provider to host the "Help" and "Contact Us" functions on the web site. While these functions take you to a third-party web site the information collected is governed by RIZQ privacy practices.

Use of Cookies

 
  • We use "cookies" to help personalize and maximize your online experience. A cookie is a text file that is placed on your hard drive by a web page server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to your computer, and can only be read by a web server in the domain that issued the cookie to you.
  •  One of the primary purposes of cookies is to save time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize RIZQ pages, or register for services, a cookie helps to recall your specific information (such as user name, password and preferences). Because of our use of cookies, we can deliver faster and more accurate results and a more personalized site experience. When you return to RIZQ, the information you previously provided can be retrieved, so you can easily use the features that you customized.
  • You may have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline all cookies if you prefer. Alternatively, you may be able to modify your browser setting to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis. If you choose to decline cookies, however, that may hinder performance and negatively impact your experience on RIZQ.

Security of the Profile Information

  • We have implemented commercially reasonable technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized third-parties will never be able to defeat those measures or use your personal information for improper purposes.

CHILDREN/MINORS

The RIZQ web site is not intended for children under _____ years of age. We do not knowingly collect personal information from children under ______.The RIZQ web site is not intended for children under _____ years of age. We do not knowingly collect personal information from children under ______.

Thank you for using RIZQ.