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Privacy Guidelines

User Privacy Guidelines

When you visit this platform, BAFL may collect personal data about user, either directly (where you are asked to provide the data) or indirectly. BAFL will, however, only use such personal data for the purposes set forth in this Privacy Statement and BAFL is committed to safeguard such personal data. This statement sets out the purposes of BAFL’s data processing in respect of this platform.

BAFL may gather and analyze information regarding usage of this platform, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.


BAFL collects and processes information of its customers, visitors and surfers to its platform to conduct its business, to inform and make available products and services offered by BAFL that may be of interest to you and for the development of web statistics. The information provided by you can be used to contact you when necessary, e.g. to notify you about functionality changes to the platform and to offer services that you may find helpful (provided you have not opted out of receiving such services). We may also use information collected through our web site for research regarding the effectiveness of the platform and the marketing, advertising and sales efforts of BAFL and its Partner/ Associates/ subsidiary Companies.


We want to give you the best possible customer experience. One way to achieve that is to get the richest picture we can of who you are by combining the data we have about you. We then use this to offer you promotions, products and services that are most likely to interest you. In the case of loyalty scheme members, we’ll also offer you relevant rewards. The data privacy law allows this as part of our legitimate interest in understanding our customers and providing the highest levels of service. When you use BAFL platform(s), you'll see that BAFL offers user recommendations, showing products BAFL thinks user might like and could perhaps miss when user is browsing the BAFL platform. We also notify user of offers and promotions which might be of interest to user.

When do we collect your personal data?

  • When you visit any of our websites, and use your account & other BAFL financial instruments to get products and services, or redeem vouchers online.
  • When you create an account with us.
  • When you get a product or service by phone/mobile device.
  • When you engage with us on social media.
  • When you download or install one of our apps. 
  • When you join our Alfa loyalty program.
  • When you contact us by any means with queries, complaints etc.
  • When you ask us to email you information about a product or service.
  • When you enter prize draws or competitions.
  • When you choose to complete any forms or surveys we send you. 
  • When you comment on or review our products and services.

Any individual may access personal data related to them, including opinions. So if your comment or review includes information about our partner who provided that service, it may be passed on to them if requested.

When user has given a third party permission to share with BAFL platform the information they hold about user.

If user has a web account with BAFL platform: then user name, gender, date of birth, billing/delivery address, orders and receipts, email and telephone number is available for BAFL. For user security, BAFL will also keep an encrypted record of user login password and OTP generated during payment transaction.

Copies of documents user provides to prove user age or identity where the law requires this (including user passport and driver's license). This will include details of your full name, address, date of birth and facial image. If user provides a passport, the data will also include user place of birth, gender and nationality, along with the following:

  • Details of your preferences.
  • Details of your visits to our websites or apps, and which site you came from to ours.
  • Information gathered by the use of cookies in your web browser.
  • Personal details which help us to recommend items of interest.
  • Payment card information.
  • Your comments and product reviews.

To deliver the best possible online experience, BAFL may collect technical information about user internet connection and browser as well as the country and telephone code where user computer is located, the web pages viewed during your visit, the advertisements you clicked on, and any search terms you entered. User social media username, if user interact with us through Social Media channels, to help BAFL respond to user comments, questions or feedback with respect to the BAFL Platform


BAFL does not seek to collect sensitive personal information (such as information revealing political opinions, religious beliefs, health or other matters) through its Platform. If BAFL does seek to collect such data, user prior consent thereto will be sought. Please note that, by providing BAFL with unsolicited sensitive personal information user consent to platform using such personal information as described hereinabove.


BAFL platform may disclose information that it has collected from customers, visitors and surfers to affiliates, independent contractors and business partners who may use the information for the purposes outlined above. BAFL platform may also disclose aggregate, individual or anonymous data, based on information collected from customers, visitors and surfers, to investors and potential partners or if required under the law. Finally, BAFL platform may transfer information collected in connection with a sale of BAFL Platform product and/or services.


Information about customers, visitors and surfers is maintained on BAFL systems is protected using industry standard security measures. However, BAFL platform cannot guarantee that the information submitted to, maintained on, or transmitted from BAFL systems will be completely secure.


Please note that this Privacy Statement does not extend to third party websites linked to BAFL platform.


This privacy policy applies only to BAFL platform online activities and is valid for customers, visitors and surfers to our platform and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than BAFL platform.


BAFL reserves the right to modify this Privacy Statement or any part thereof at any time and from time to time. Please check this statement from time to time for any changes.


By using BAFL Platform, user hereby provides consent to BAFL platform privacy policy and also agree to its terms & conditions. BAFL’s view protection of user privacy as a very important principle. BAFL understands clearly that user and user Personal Information is one of BAFL’s most important assets. BAFL will store and process User Information including any sensitive financial information collected, if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Pakistani Laws. If user object’s to User Information being transferred or used in this way please do not use our service.

BAFL may share personal information with BAFL’s other corporate entities and affiliates. These entities and affiliates may market to you as a result of such sharing unless you explicitly opt-out.

BAFL may disclose user personal information to third parties. This disclosure may be required for BAFL to provide user access to BAFL Services, to comply with BAFL legal obligations, to enforce BAFL User Agreement, to facilitate BAFL marketing and advertising activities, or to prevent, detect, mitigate, and investigate fraudulent or illegal activities related to BAFL Services. BAFL will not disclose user personal information to third parties for their marketing and advertising purposes without user explicit consent.

BAFL may disclose personal information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to respond to subpoenas, court orders, or other legal process. BAFL may disclose personal information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to: enforce BAFL Terms or Privacy Guidelines; respond to claims that an advertisement, posting or other content violates the rights of a third party; or protect the rights, property or personal safety of our users or the general public.

User will be required to enter a valid phone number, email and Local Address while placing an order on the Platform. By registering user phone number, email and address with us, User consent to be contacted by BAFL via phone calls, SMS notifications, mobile applications and/or any other electronic mode of communication in case of any order or shipment or delivery related updates.