Privacy Policy

Retailo Technologies Holding Limited, a holding company incorporated under the laws of Abu Dhabi Global Market with company number 000004616, acting and operating through its subsidiaries in Pakistan, Saudi Arabia, United Arab Emirates, or wherever geographically you make the use of the Services (hereinafter referred to as “Retailo”, “us”, “our”, “we”, or “Company”), is engaged in supply of an agent-assisted online local B2B marketplace and commerce platform that aims to assist retail supply chains. Retailo provides its services either via application or through its website. The Company owns Hisaab application (the “Hisaab”) that provides an online digital ledger book which a user may utilize to record their ledger entries regarding each customer (the “Services”). This Privacy Policy (the “Policy”) intends to help you comprehend the information we collect from our users visiting or using our website or application (hereinafter referred to as “user”, “you”, “your”, or “yours”), and through other interactions and communications you have with us.

This Policy sets out the basis of how we use the information collected, and when we use it, to provide our Services. This Policy describes our privacy practices concerning information and personal data collected in connection with the Services. You are requested to carefully read this Policy before accessing or using Services. If you do not agree with any part of this Policy, you are suggested to not use or access our Services.

We reserve the right to change, modify, add, or remove portions of this Policy at any time without any prior notification. Any such changes shall be effective as soon as we post such amendment or modification on or through our website, mobile application, communicate the same to you through email notification, or any similar means. Please check this Policy regularly for updates and amendments. Any continued performance or use of the Services shall be deemed your consent to such revised Policy.

The headings of the clauses, section, schedules etc. herein are for reference only and shall not affect the interpretation.

Scope and application

This Policy applies to all the users and visitors of our website or the mobile application anywhere in world who may access or use our Services as well as to any other persons who may use Hisaab app. This Policy further applies to all transactions, activities, and data gathered through the use of Services.

Data collection

In order to operate Hisaab and to provide you with information about our Services that may be of your interest, we may use your personal information. When you use our Services, we may collect personal information (i.e. information specifically utilised to contact you directly including, but not limited to, full name, phone number, email address, date of birth, government-issued identity card number, shop name, shop address, shop ownership or rental details, shop’s location etc.) (“Personal Information”) and demographic information (i.e. information which is not Personal Information; including, but not limited to, username, device information, browsing history information, device location, and IP address) (“Demographic Information”). Demographic Information is further categorized into two types: private information including, but not limited to, transaction information and communications or interactions with customer support of Retailo or Hisaab; and public information, that includes other demographic information. Personal Information along with Demographic Information is referred as “Personal Data” herein.

Data Provided By Users:

  • Mobile Application Sign-Up/Sign-In

    The users must sign up on the Hisaab, in order to use Hisaab. The users can download Hisaab directly from Google Play Store. The users’ login credentials for Hisaab may also work across other Company’s applications (e.g Retailo app); however, the users may be requested additional information. If the user is already signed in the Retailo app, Hisaab will automatically retrieve the login credentials and logs the user in. If a user has already signed up for Retailo app, they may directly use Hisaab by using the login credentials for Retailo. We may collect Personal Data including, but not limited to, full name, contact number, shop name, shop address, and shop location etc. at the time a user register with us through our Retailo app. The user may also be required to provide its email address, government-issued identity card number, photograph, etc. in addition to payment or banking information, if so required. A user session does not expire unless the user manually logs out using the ‘log out’ button from Hisaab.

  • User Content

    We may collect the information that users submit while interacting and communicating with our customer support. We further share device tokens with third party via which we send notifications to the user’s device. This may also include any feedbacks or suggestions that the user provides. We may access your phone contacts to register the name/phone number for you to maintain a specific entry in ledger.

  • Usage Data

    We may collect information regarding how users interacted with our Services including, but not limited to, date and time of access, app crash report, and app features used. We may further collect data used in completion of the tasks including, but not limited to, text messages, voice messages, and attachments. We may also collect data through use or capture of cookies.

  • Updates

    We may collect your email addresses to customize your record and send you solicitations or updates related to our application; this is not a mandatory requirement; it is completely upon your discretion if you want to receive this information.

  • Third Parties

    We may collect your information for third parties including, but not limited to, phone-number verification services providers etc.

How we may use your personal data

We may use Personal Data which you provide to us, or we collect from you including, but not limited to:

  • Improve our Services to ensure user satisfaction.
  • Maintain and provide new features and improve customer support for both users and users.
  • Develop and ensure safety features for mobile applications.
  • Send communication based on your interest, for instance, promotions, news, and updates.
  • Make the payment facilitation process more efficient for you.
  • For provision of our Services to you, whether or not, through our mobile application, platform, or website, as the case may be.

How HISAAB shares your personal data

We may share your Personal Data which you provide to us, or we collect from you to:

  • We may only share your information with the third parties whose services we are taking in regard to the purpose to pursue our business such as our payment service providers.
  • We may share your Personal Data with other third parties when necessary to fulfil your requests for Services. However, third parties must comply with their privacy policy regarding the protection and privacy of the shared Personal Data of our users.
  • We may likewise utilize or share your Personal Data with third parties when we have reason to believe that doing so is necessary to comply with applicable law or a court order, subpoena, or other legal process; to investigate, prevent, or take action regarding illegal suspected fraud; violations of our terms and conditions; or situations involving threats to our users and/or users.
  • However, we shall never sell or rent your Personal Data to any third-party.

Storage and securities

We use all reasonable endeavours to maintain the security of your Personal Data and to protect the same from misuse, intervention, loss due to unauthorised access, modifications, or disclosures. All the data is stored in the application’s back office. We delete all the data once it is no longer required under the terms of this Policy.

Your Hisaab App account is password-protected so that only you and authorised Hisaab’s employees have access to your account information. Hisaab’s staff will never proactively reach out to you and ask for any information related to your account access including your password.

Hisaab only backup your data if you are online (connected to internet) on Hisaab app, we will not be able to store your data if you are not connected to the internet. Hisaab will backup your data as soon as you come back online, in any case, you may still be able to use Hisaab app with its full functionality even when you are not connected to internet.

Hisaab takes pride in ensuring that your Personal Data is kept safe and secure. Hisaab has dedicated staff for respecting and implementing this Policy. However, no data transmission over the internet can ever be 100% protected. Therefore, we do not guarantee the security of any Personal Data you provide to us. You hereby represent and warrant that you understand that you share your Personal Data at your own risk. For any further details regarding this, you may refer to our terms and conditions or get in touch with our privacy team. To the extent permitted by the law, Hisaab expressly disclaims any liability that may arise in an event if any unauthorised individual or third party obtains or gets access to the Personal Data you submit to us. Hisaab further expressly disclaims any liability that may arise in an event of your use of the Hisaab app for sending unsolicited messages to any user or non-user of Hisaab app, such liability and the resulted consequences shall be borne by the user.

Correction and updates to your personal information

You may correct your factual errors in your Personal Information by using the Retailo’s application and editing your information by selecting the “Settings” option and making the desired changes.

Deletion of account

For any reason whatsoever, in case your Hisaab Account is deactivated or blocked, your Personal Information shall remain available in our database. In case you want us to delete the same or you intend to regain access of your Hisaab Account, you may contact us through our customer support page and submit a request.

We may retain a bare minimum of your Personal Data to carry out a data analysis or data mapping to prevent you from making another account. Moreover, we may need the same to prevent duplicate accounts being made by any user(s).

Changes to our privacy policy

We may update and amend this Policy anytime without any prior notice. In case of any significant changes related to how we treat your Personal Data or to the protection or security strategy, we may give you a notice through the notification section of the mobile application or through email. Your continued use after such notification will establish your consent and agreement to the most recent terms of this Policy.

Children's privacy

Our Services, related to the user, are directed towards adults of and above fifteen (15) years and we do not intend to provide Services to users below this age. We do not intend to collect, store, process, or maintain personal information from persons under the age of fifteen (15), as we presume that all users represent to us that they are at least fifteen (15) years old. We record the date of birth you provide which is considered a declaration from anyone using our application that they are above the age of majority at the time we acquire their Personal Information or Demographic Information.

Aggregated information

From time to time, we may record anonymized and aggregated data about our users, users, and/or users, for example, by distributing a report on patterns in the utilization of our Services. We intend and strive to keep this procedure anonymous and limited to selected few of Hisaab’s staff.

Privacy complaints

We shall not be liable for any direct, indirect, incidental, special, exemplary, punitive, or consequential damages, including, but not limited to, lost profits, lost data, theft, fraud, personal injury, or property damage related to, in connection with, or otherwise resulting from any acts or omissions in connection with this Policy. However, we take all the complaints seriously and assure you that we shall do our best to accommodate your concern and give a satisfactory outcome.

You may register or report your complaint at the details given at the end of this Policy.

Cookies policy

We may use third party cookies including, but not limited to, Hisaab cache, and google analytics, for the purpose of making user-experience better. We may also use pixel tags (usually in combination with cookies) from third parties to get information about your usage of our Hisaab app and Services, and your interaction with us through email or other means of communications. We do not use cookies to identify you personally but only to gain useful knowledge about how our website and Services are used so we can keep improving it for our users. Please note that if you limit the ability of website to use cookies, you may be unable to benefit from its full functionality.

Contact Hisaab’'s customer support

For concerns or complaints:

If you have any questions, comments, or requests related to this Policy statement or how we store or process your Personal Data, technical queries, or general complaints or feedback, please feel free to email us at