Privacy Policy

Last updated: [8 February 2026]

Tabraj is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, store, share, and protect your information when you visit our website, use our services, mobile applications (if any), or interact with Tabraj in any way.

By using Tabraj, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Information you provide directly

• Full name, phone number, email address
• Profile information (photo, bio, username, etc.)
• Government-issued ID or other verification documents (when required for KYC / wallet activation / higher limits)
• Bank account details, mobile money/wallet numbers (for withdrawals and deposits)
• Payment-related information (transaction references, purpose notes)
• Messages, support tickets, reviews, ratings and other content you submit
• Any other information you voluntarily provide

Information we collect automatically

• IP address and approximate location
• Device type, browser type and version
• Operating system
• Pages visited, time spent, links clicked
• Referring and exit pages
• Date and time of access
• Cookies, device identifiers, and advertising identifiers
• Transaction metadata (amounts, timestamps, recipients – not full sensitive payment card data)

Information from third parties

• Payment gateway providers (limited transaction confirmation data)
• Identity verification partners (when you complete KYC)
• Social login providers (if you sign in via Google, Facebook, etc.)

2. How We Use Your Information

We use the collected information to:

• Create, maintain and secure your Tabraj account
• Process deposits, payments, transfers and withdrawals
• Verify your identity (where legally required or to prevent fraud)
• Provide, personalize and improve our services
• Communicate with you (transaction confirmations, support, important notices)
• Detect, prevent and investigate fraud, abuse, and security incidents
• Comply with legal obligations, court orders, and regulatory requirements
• Analyze usage trends and improve user experience
• Send marketing communications (only if you have given consent)

3. Legal Basis for Processing

We process your personal data based on one or more of the following grounds:

• Performance of a contract (providing you with Tabraj services)
• Compliance with legal obligations (KYC, AML, tax reporting, etc.)
• Legitimate interests (security, fraud prevention, service improvement)
• Your consent (where required, especially for marketing)

4. Sharing of Information

We do not sell your personal information.

We may share your information with:

• Payment processors and financial service providers (only necessary data)
• Identity verification and KYC/AML service providers
• Cloud hosting, analytics, email service and customer support providers (under strict data processing agreements)
• Law enforcement, regulators, and courts, when required by law
• Successors in case of merger, acquisition or sale of assets

5. International Data Transfers

Tabraj may transfer your data to countries outside Bangladesh. Whenever we do so, we use appropriate safeguards (such as Standard Contractual Clauses or equivalent mechanisms) to protect your information in line with this Privacy Policy.

6. Data Security

We implement reasonable technical, administrative, and physical security measures to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We keep your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. After that period, we will securely delete or anonymize the data.

Account data is generally retained while your account is active and for a reasonable period after account closure (usually 5–7 years) to comply with financial regulations and prevent fraud.

8. Your Rights

Depending on applicable law, you may have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your data (subject to legal retention obligations)
• Restrict or object to processing
• Data portability
• Withdraw consent (where processing is based on consent)

To exercise these rights, please contact us at [support@tabraj.com] or through the support section in your account.

We will respond within the time frame required by applicable law.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze usage, and show relevant content. You can manage cookie preferences through your browser settings. For more details, please see our Cookie Policy [link if you have one].

10. Children’s Privacy

Tabraj is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will delete it promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last updated” date. We encourage you to review this policy periodically. Significant changes may be communicated via email or in-app notification.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: [support@tabraj.com] Website contact form: [link to contact/support page]

We are committed to resolving your concerns fairly and promptly.

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Thank you for trusting Tabraj with your information.