Liabify

Privacy Policy

Liabify International Operations Holding Limited

Industry: Finance, Technology

1. Introduction

At Liabify International Operations Holding Limited, your privacy is of utmost importance. This Privacy Policy describes how we collect, use, disclose, and protect the personal information that you provide when using our website https://www.liabify.com or engaging with our services.

2. Information We Collect

2.1 Personal Data

We may collect the following personal information to provide you with our services:

  • Name and contact details
  • Email address
  • Telephone number
  • Account login credentials
  • Preferences for communication

Salary Advance Processing Requirements

Please note that any request for a Salary Advance (also referred to as Earned Wage Access or EWA) may be subject to additional information or documentation. We may require further details or verification strictly to process the Salary Advance request efficiently, accurately, and in compliance with applicable policies and regulations. This wording accurately reflects Salary Advance and avoids potential legal risk associated with referring to it as a loan.

2.2 Data Collection Methods

  • User-provided data
  • Data collected from their employers and the LiaPay app
  • Automated tracking
  • Cookies
  • Analytics

2.3 Data Automatically Collected

  • IP address
  • Browser type and version
  • Device information
  • Website usage statistics and activity logs
  • Cookies and similar tracking technologies

3. How We Use Your Data

3.1 Operational Use

  • Providing and maintaining our services
  • Processing transactions and payments
  • Responding to inquiries and providing customer support
  • Enhancing our service offerings and website performance
  • Distributing essential information, including policy updates

3.2 Marketing and Promotional Purposes

  • Sending promotional emails and newsletters (if opted-in)
  • Notifying you about service changes and new features
  • Analyzing the effectiveness of our marketing campaigns

4. Sharing Your Data

4.1 Service Providers & Financial Partners

We share specific data with trusted third parties to facilitate our financial services:

  • Cloud storage and hosting providers
  • Data analytics and reporting providers
  • Marketing and advertising partners

Financial Data Processing

To ensure secure and efficient financial operations, we partner with specialized entities:

  • Prepaid Card Data: All prepaid card processing data is handled directly by our designated card processor.
  • Transaction & Settlement: Transaction and settlement data is handled by our banking partners and the payment scheme (Mastercard). This data is shared solely for the purpose of transaction processing and settlement.

4.2 Legal Disclosures

  • To comply with legal obligations
  • To respond to law enforcement requests
  • To safeguard our legal rights and prevent fraud

5. Security Measures

We implement appropriate technical and organizational safeguards to protect your personal data. However, no method of data transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights Over Your Data

  • The right to access your information
  • The right to correct any inaccuracies
  • The right to request deletion of your data
  • The right to restrict or stop the processing of your data
  • The right to request data portability
  • The right to withdraw consent for processing

7. Age Restrictions

Our services are not intended for children under the age of 18. We do not knowingly collect data from individuals under this age. If we become aware of such collection, we will take immediate steps to delete the data.

8. Cookies and Similar Technologies

We use cookies and tracking technologies to enhance user experience, analyze website usage patterns, remember user preferences, and provide personalized advertising.

For more details, please refer to our Cookie Policy at https://liabify.com/cookie-policy.html?v=2.

9. External Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content. We encourage users to review the privacy policies of any third-party sites they visit.

10. International Data Transfers

Your data may be transferred to and processed in countries outside your country of residence. We ensure that such transfers comply with applicable data protection laws, including requirements for cross-border data transfer.

11. Policy Updates

We may update this Privacy Policy periodically. The most recent version will always be available on this page, with the Last Updated date clearly stated.

12. Contact Us

Liabify International Operations Holding Limited

Email: contactus@liabify.com

Location: DIFC, United Arab Emirates

13. Legal Compliance

We adhere to applicable data protection and privacy laws, including:

  • DIFC Data Protection Law No. 5 of 2020: Primary legislation for entities operating within the Dubai International Financial Centre.
  • UAE Federal Decree-Law No. 45 of 2021: On the Protection of Personal Data (PDPL).
  • Federal Law No. 6 of 2010: Concerning Credit Information (relevant for Salary Advance processing).
  • Federal Law No. 15 of 2020: On Consumer Protection.
  • Federal Decree Law No. 34 of 2021: On Combatting Rumours and Cybercrimes.

14. Governing Law & Jurisdiction

This Privacy Policy and any disputes arising from it will be governed by the laws of the Dubai International Financial Centre (DIFC) and the applicable federal laws of the United Arab Emirates. Any legal actions shall be resolved in the courts located in the DIFC/UAE.

Last Updated: 2026-01-01