Full Transparency. Know What Data We Hold. Know Your Rights.
Privacy Policy
This Privacy Policy explains how Al Amal Investment collects, uses, stores, and protects personal data in accordance with applicable data protection laws and regulatory requirements.
Introduction & Scope
المقدمة والنطاقAl Amal Investment Company KSCC ("Al Amal," "we," "us," "our") is a Kuwaiti Shareholding Company established in 2003. The main focus of the Company is acquiring strategic investments in selective enterprises, industries, and investment vehicles seeking growth and capital appreciation, all in accordance with the provisions of the Islamic Shari'a and in accordance with the Regulations and instructions of the Kuwait Capital Market Authority, Central Bank of Kuwait, and the Kuwait Ministry of Commerce and Industry.
We are committed to protecting the privacy, confidentiality, and security of your personal information. This Privacy Policy sets out the basis on which any personal information we collect from you, or that you provide to us, will be processed by us. It applies to all personal information processed by Al Amal, including information collected through our website, client portals, email communications, written correspondence, and in-person interactions.
This Policy applies to: clients, prospective clients, investors, counterparties, business partners, employees, third-party service providers, and website visitors. By engaging with Al Amal or using our services, you acknowledge that your personal data will be processed in accordance with this Policy.
تلتزم شركة ألمانزا للاستثمار – شركة مساهمة كويتية – بحماية خصوصية وسرية معلوماتك الشخصية وفق أحكام الشريعة الإسلامية وتعليمات هيئة أسواق المال وبنك الكويت المركزي ووزارة التجارة والصناعة.
Legal Basis & Regulatory Compliance
الأساس القانوني والامتثال التنظيميAl Amal processes personal information only when we have a lawful basis to do so. We operate in full compliance with the following regulatory frameworks:
Our lawful bases for processing include: your explicit consent; performance of a contract with you; compliance with a legal or regulatory obligation; protection of vital interests; and our legitimate interests as an investment firm, where such interests are not overridden by your rights.
Information We Collect
المعلومات التي نجمعهاWe collect and process the following categories of personal information, as necessary for the lawful purposes described in this Policy:
| Category | Examples of Data | Source | Lawful Basis |
|---|---|---|---|
| Identification Dataبيانات الهوية | Full name, passport / Civil ID number, date of birth, nationality, photograph | Directly from you | Legal obligation (KYC/AML), Contract |
| Contact Dataبيانات الاتصال | Residential address, email address, telephone number, emergency contact | Directly from you | Contract, Legitimate interest |
| Financial Dataالبيانات المالية | Bank account details, income & net worth, source of wealth & funds, credit information | Directly from you; third-party verification | Legal obligation (CMA/CBK), Contract |
| Investment Dataبيانات الاستثمار | Portfolio holdings, transaction history, risk tolerance profile, investment objectives, Shari'a preferences | Directly from you; generated by us | Contract, Legal obligation |
| Technical Dataالبيانات التقنية | IP address, browser type & version, device identifiers, cookies, session data, log files | Automatically collected | Legitimate interest, Consent |
| Communication Dataبيانات الاتصالات | Email correspondence, recorded telephone calls, meeting notes, written submissions | Interactions with us | Legal obligation (CMA record-keeping), Contract |
| Due Diligence Dataبيانات العناية الواجبة | Politically exposed person (PEP) status, sanctions screening results, adverse media | Third-party screening databases | Legal obligation (AML/KYC) |
We do not intentionally collect special category data (i.e., data revealing racial or ethnic origin, political opinions, religious beliefs, health information, or biometric data) unless strictly required by applicable law or regulation, and with your explicit consent where required.
How We Use Your Information
كيف نستخدم معلوماتكWe use your personal information solely for the following specified, explicit, and legitimate purposes. Your data will not be used in any manner incompatible with the purposes listed below:
Data Sharing & Disclosure
مشاركة البيانات والإفصاحAll third-party recipients are contractually obligated to protect your data, process it only for the purposes specified, and comply with applicable Kuwaiti law and international data protection standards.
Data Retention & Security
الاحتفاظ بالبيانات وأمنهاWe retain personal information only for as long as necessary to fulfil the purposes described in this Policy, including compliance with legal, regulatory, accounting, and reporting requirements. Our retention schedule is governed by CMA and CBK directives:
| Data Category | Retention Period | Regulatory Basis |
|---|---|---|
| Client relationship & account records | 10 years after account closure | CMA Directive / Kuwait Law No. 7/2010 |
| Transaction & trading records | 7 years from transaction date | CMA Directive |
| AML / KYC due diligence files | 10 years after relationship end | CBK AML/CFT Regulations |
| Email & written correspondence | 5 years | CMA Record-Keeping Requirements |
| Telephone call recordings | 5 years | CMA Directive |
| Website technical data (cookies, logs) | Up to 24 months | Legitimate interest |
| HR & employment records | 7 years after employment ends | Kuwait Labour Law |
Security Measures
We implement comprehensive technical and organisational security measures to protect personal data against unauthorised access, disclosure, alteration, or destruction:
Your Rights
حقوقكUnder Kuwait Law No. 20 of 2014, CMA regulations, and applicable international standards, you have the following rights with respect to your personal information. Please note that certain rights may be subject to legal or regulatory limitations:
You have the right to request a copy of the personal information we hold about you and information about how we process it.
You have the right to request correction of inaccurate or incomplete personal information. We will respond within 30 calendar days.
You may request deletion of your personal information, subject to our legal retention obligations under CMA/CBK regulations and Kuwaiti law.
You may request that we restrict the processing of your data in certain circumstances, such as while we verify the accuracy of data you have disputed.
You may object to processing based on legitimate interests. We will cease processing unless we can demonstrate compelling legitimate grounds that override your interests.
Where processing is based on consent or contract, you may request a copy of your data in a structured, commonly used, machine-readable format.
Where processing is based on your consent, you may withdraw consent at any time. This will not affect the lawfulness of processing before withdrawal.
You have the right to lodge a complaint with the Capital Markets Authority (CMA), Central Bank of Kuwait (CBK), or Ministry of Commerce & Industry of Kuwait.
Cookies & Tracking Technologies
ملفات تعريف الارتباط وتقنيات التتبعOur website uses cookies and similar tracking technologies to enhance your experience, analyse traffic patterns, ensure security, and improve our digital services. The following categories of cookies are used:
| Cookie Type | Purpose | Duration | Consent Required |
|---|---|---|---|
| Strictly Necessary | Session management, security, load balancing. Cannot be disabled. | Session | No (essential) |
| Functional | Remembering your preferences, language settings, and accessibility choices. | Up to 12 months | Yes |
| Analytics & Performance | Anonymised traffic analysis, page performance monitoring (e.g., Google Analytics). | Up to 24 months | Yes |
| Security & Fraud Prevention | Bot detection, fraud signals, authentication integrity. | Session / 30 days | No (legitimate interest) |
You can manage or withdraw your cookie consent at any time through your browser settings. Disabling certain cookies may affect the functionality of our website. For comprehensive information, please refer to our Cookie Policy.
Contact Information – Privacy Officer
معلومات الاتصال – مسؤول الخصوصيةFor any privacy-related enquiries, to exercise your data subject rights, to report a data protection concern, or to obtain further information about our privacy practices, please contact our designated Privacy Officer:
Privacy Officer
Regulatory Complaint Contacts
Amendments & Governing Law
التعديلات والقانون الحاكمAl Amal Investment Company KSCC reserves the right to amend this Privacy Policy at any time to reflect changes in applicable law, regulatory requirements, our business operations, or our privacy practices. Material amendments will be communicated to clients via email or posted on our website with at least 30 days' notice prior to taking effect. The continued use of our services following such notice constitutes acceptance of the amended Policy.
The most current version of this Policy will always be available at Al Amalinvestment.com/resources/disclosures/privacy-policy/.
This Privacy Policy is governed by and construed in accordance with the laws of the State of Kuwait. Any disputes arising in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts of Kuwait, and/or the Capital Markets Authority dispute resolution mechanisms.
Al Amal Investment Company KSCC is a Kuwaiti Shareholding Company, licensed by the Capital Markets Authority (CMA) of Kuwait (Law No. 7 of 2010) and regulated by the Central Bank of Kuwait (CBK) where applicable. All operations and investment activities are Shari'a-compliant, governed by the Company's independent Shari'a Supervisory Board. Past performance is not indicative of future results. This document does not constitute financial, legal, or investment advice.
شركة ألمانزا للاستثمار – شركة مساهمة كويتية مرخصة من هيئة أسواق المال ومنظمة من بنك الكويت المركزي وفق أحكام الشريعة الإسلامية.
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