Privacy Policy

This Privacy Policy describes how AMNA Financial Inc ("Amna," "we," "us," or "our") collects, uses, and shares information when you visit our website, submit a waitlist or early-access request, or otherwise interact with our services related to licensed commerce operations in the Kingdom of Saudi Arabia ("KSA").

1. Who we are

Amna is operated by AMNA Financial Inc, a company providing commerce operator services for global brands entering and scaling in KSA, including local entity support, payments, VAT compliance, Arabic customer support, and returns management.

2. Information we collect

We may collect the following categories of information:

• Contact and business information — such as your name, work email, company or brand name, website, e-commerce platform, product category, and estimated annual GMV.
• Operational details — such as current logistics providers, accepted payment methods, and any optional message you provide about your KSA expansion plans.
• Technical and usage information — such as IP address, browser type, device information, pages visited, referring URLs, and general site interaction data collected through cookies or similar technologies.
• Communications — records of correspondence if you contact us directly.

3. How we use your information

We use the information we collect to:

• Process and respond to waitlist, early-access, and merchant inquiry requests;
• Evaluate whether Amna's services may be suitable for your business;
• Communicate with you about Amna, including follow-up regarding your submission;
• Operate, maintain, secure, and improve our website and services;
• Comply with applicable legal, regulatory, and licensing obligations in KSA and other relevant jurisdictions;
• Protect against fraud, abuse, and unauthorized access.

4. Legal bases for processing

Where applicable under data protection laws, we process personal information based on one or more of the following grounds: your consent; performance of a contract or steps prior to entering a contract; our legitimate interests in operating and improving our business; and compliance with legal obligations.

5. How we share information

We do not sell your personal information. We may share information with:

• Service providers — such as website hosting, form processing, analytics, email, and infrastructure vendors that help us operate our business, subject to appropriate confidentiality and security obligations;
• Professional advisors — such as lawyers, accountants, and consultants where reasonably necessary;
• Regulators and authorities — where required by law, court order, or regulatory request;
• Business transfers — in connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to standard protections.

6. International transfers

Because Amna serves cross-border merchants and operates digital infrastructure that may involve providers in multiple countries, your information may be processed in jurisdictions outside your country of residence, including the United States and countries in the Middle East. Where required, we implement appropriate safeguards for such transfers.

7. Data retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this policy, including to maintain business records, resolve disputes, enforce agreements, and meet legal or regulatory requirements.

8. Security

We implement administrative, technical, and organizational measures designed to protect personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Your rights and choices

Depending on your location, you may have rights to access, correct, delete, restrict, or object to certain processing of your personal information, or to withdraw consent where processing is consent-based. You may also have the right to lodge a complaint with a supervisory authority.

To exercise applicable rights, contact us at support@amnapay.com. We may need to verify your identity before responding.

10. Cookies and analytics

We may use cookies and similar technologies to enable site functionality, understand usage, and improve performance. You can control cookies through your browser settings. Disabling cookies may affect certain site features.

11. Children's privacy

Our services are intended for business users and are not directed to individuals under 18. We do not knowingly collect personal information from children.

12. Third-party links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties and encourage you to review their policies.

13. Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when the policy was last revised. Material changes will be posted on this page.

14. Contact us

If you have questions about this Privacy Policy or our data practices, contact:

AMNA Financial Inc
Email: support@amnapay.com