Privacy Policy

1. General

This privacy policy explains how NMOnlineCard ("we", "us", or "our") collects, uses, and protects personal data from users in Iraq, Turkey, and the USA. We are committed to respecting your privacy and protecting your personal information.

2. Collection of Personal Data

We collect personal data when you use our app. This may include:

• Contact Information: Name, email address, phone number.
• Device Information: Information about the device you use (e.g., IP address, operating system, device type).
• Usage Data: Information about how you interact with our app (e.g., visited pages, interactions).
• Location Data: Geographical information, if you grant permission within the app settings.

3. Purpose of Data Collection

We use the collected data for the following purposes:

• Providing and Improving Services: We use your data to ensure the app functions properly and to enhance the user experience.
• Communication: We may use your contact information to notify you about important updates or notifications.
• Analytics: We use aggregated data to analyze and improve our services.
• Advertising: In some cases, we may use your data to provide you with personalized advertisements.

4. Sharing Data with Third Parties

We only share personal data with third parties when necessary:

• Service Providers: We share data with third-party providers who assist in delivering our services (e.g., hosting providers, payment processors).
• Legal Obligations: We may share your data if required by law, for example, with authorities in Iraq, Turkey, or the USA.
• Advertising Partners: If you have consented, we may share information for advertising purposes with partners.

5. Data Storage and Security

We store your data for as long as it is necessary to provide our services or as required by law. We implement technical and organizational measures to protect your data from unauthorized access, loss, or misuse.

6. Your Rights

Depending on your location (Iraq, Turkey, or the USA), you may have specific rights regarding your personal data, including:

• Right to Access: You have the right to request a copy of the data we store about you.
• Right to Rectification: You can request the correction of inaccurate or incomplete data.
• Right to Erasure: You may request the deletion of your personal data.
• Right to Object: You can object to the processing of your personal data.

To exercise these rights, please contact us at [Contact Information].

7. Children’s Privacy

Our app is not intended for children under the age of 13 in the USA or under 16 in Turkey. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child, we will delete that information immediately.

8. International Data Transfers

Since we operate in multiple countries, your data may be transferred to countries outside your residence, particularly between Iraq, Turkey, and the USA. We ensure that all necessary safeguards are in place to protect your data according to applicable laws.

9. Changes to this Privacy Policy

We reserve the right to update this privacy policy as needed. Changes will be posted on this page and will take effect immediately upon publication. Please check this page regularly to stay informed about updates.

10. Contact Us

If you have any questions or concerns about this privacy policy or the way we handle your data, please contact us at:

Murad Company