Privacy Policy
Last updated: June 2026
Protecting your personal data is a priority. This policy explains what data we collect through the chari.ma app, why we process it, how we protect it, and what your rights are. Your data is processed in compliance with Law No. 09-08 on the protection of individuals with regard to the processing of personal data.
1. Data controller
The controller of your personal data is Chari, a payment institution licensed by Bank Al-Maghrib and part of the Chari Group, which publishes and operates the chari.ma app. For any questions about your data, you can write to us at support@chari.ma.
2. Data we collect
We collect the data you provide when creating and using your account: identity and contact details, supporting documents related to identity verification (KYC), information about your e-wallet and your card, as well as technical connection data (device, technical identifiers) and the transaction history required for the Services to operate.
3. Purposes of processing
Your data is processed to open and manage your e-wallet, execute your transactions (transfers, mobile top-ups, bill payments, gift cards, merchant services), verify your identity, prevent and detect fraud, keep the app secure, respond to your support requests, and comply with our legal and regulatory obligations, in particular with respect to anti-money laundering.
4. Legal basis for processing
Depending on the case, the processing of your data is based on the performance of the contract between us when you use the Services, on compliance with our legal and regulatory obligations, on our legitimate interest in securing the app and preventing fraud, and, where applicable, on your consent for specific purposes.
5. Data recipients
Your data may be shared with Chari Group entities, with our technical providers and partners strictly necessary to deliver the Services (for example the Visa network, cash agency networks, telecom operators and billers), and with the competent authorities where required by law. We govern this sharing to ensure an appropriate level of protection.
6. Data security
We implement appropriate technical and organizational measures to protect your data against loss, unauthorized access, alteration or disclosure. Access to your account is protected in particular by a PIN and facial recognition, and sensitive data, such as card details, is protected within the app.
7. Retention period
We keep your data for as long as necessary for the purposes for which it was collected, and then for the retention periods required by applicable regulations, in particular in banking, accounting and anti-money laundering matters. At the end of these periods, your data is deleted or anonymized.
8. Your rights
In accordance with Law 09-08, you have a right of access, rectification and objection on legitimate grounds regarding your personal data. To exercise these rights, you can write to us at support@chari.ma. Certain data required to meet our legal obligations cannot, however, be deleted for as long as those obligations remain in force.
9. Cookies and trackers
The app and the website may use cookies or similar technologies to ensure they work properly, measure audience and improve your experience. You can manage your preferences from your device or browser settings. Certain trackers strictly necessary for the operation of the Services cannot be disabled.
10. Data transfers
Where some of our providers are located outside Morocco, any data transfer is governed by appropriate safeguards and carried out in compliance with the applicable personal data protection regulations.
11. Changes to this policy
We may update this policy to reflect changes to our Services or to regulations. The applicable version is the one in force at the time you consult it. We will notify you of any material change through an appropriate channel.
12. Contact
For any questions about the protection of your personal data or to exercise your rights, you can contact our support team at support@chari.ma.