Privacy Policy

Introduction

This Privacy Policy explains how personal and business information is collected, used, stored, and protected when you access or use BreakEven (نقطة تعادل), a financial technology platform operated by شركة نقطة تعادل للتقنية المالية ("BreakEven", "Company", "we", "us", "our").

By accessing or using our services, you acknowledge that you have read, understood, and agreed to the terms of this Privacy Policy.

Information We Collect

We collect information necessary to operate, secure, and improve our services, including:

We may use anonymized or aggregated data (which does not identify any individual or entity) for analytics, research, and service improvement.

Use of Information

Your information is used solely to:

• Provide and operate BreakEven services
• Authenticate users and manage accounts
• Process payments and subscriptions
• Comply with Saudi laws, regulations, and financial requirements
• Monitor system security, prevent fraud, and ensure platform integrity
• Communicate service updates, notices, and support messages

Data Ownership

• All data uploaded or entered by users remains the exclusive property of the user.
• BreakEven does not claim ownership over customer or business data.
• Data is processed strictly for service delivery, compliance, and legal obligations.
• The Company may use anonymized or aggregated data for system improvement and product development.

Data Sharing

We may share information only with:

• Mada (مدى) or authorized payment processors for transaction processing
• Government or regulatory authorities when legally required
• Competent authorities pursuant to lawful orders under Saudi law

We do not sell, rent, or trade personal or business information to third parties.

Data Security

We apply recognized technical and organizational security measures, including:

• Encryption
• Secure hosting environments
• Restricted access controls
• Periodic security reviews

While we apply industry best practices, no system is entirely immune to risks. We do not guarantee absolute security against force majeure events or unauthorized breaches beyond reasonable control.

Data Retention

• Account and billing records are retained as long as the account remains active and as required by Saudi law.
• User data may be deleted following service termination, subject to legal, regulatory, or dispute-related retention requirements.

User Rights

You have the right to:

• Access and update your personal information
• Request deletion of personal data where legally permissible
• Withdraw consent for optional communications (e.g., marketing)

Requests may be denied where data retention is required by law or for legitimate legal defense.

Cookies

BreakEven uses cookies to:

• Maintain user sessions
• Authenticate access
• Store preferences (such as language)
• Analyze system performance

Future cookies may be used for analytics and service development in compliance with applicable laws. Disabling cookies may limit platform functionality.

Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be published on this page with an updated effective date.

Governing Law

This Privacy Policy is governed by the laws of the Kingdom of Saudi Arabia, and Saudi courts shall have exclusive jurisdiction.

Contact Information

For inquiries regarding this Privacy Policy: