Deferred Payment Program
Last Updated: 28 September 2026
This Privacy Policy explains how BMS, Beirut, Lebanon ("BMS", "we", "us", or "our") collects, uses, stores, and otherwise processes personal information in connection with its Deferred Payment Program.
By applying for or participating in the Deferred Payment Program, you acknowledge the processing practices described in this Privacy Policy, subject to your rights under applicable law.
1. Information We May Collect
Depending upon the application and transaction, we may collect information including:
- Full name;
- National identity card or passport information;
- Date of birth;
- Nationality;
- Residential address;
- Mobile telephone number;
- Email address;
- Employment information;
- Employer information;
- Income information;
- Existing payment obligations;
- References and reference contact information;
- Application information;
- Supporting documents supplied by the Customer;
- Device information, including model, serial number, and IMEI;
- Deferred Payment Agreement information;
- Payment schedule information;
- Payment and collection records;
- Customer-service and collection communications;
- Samsung Knox Guard enrollment and device-management information;
- Fraud-prevention and verification information; and
- Other information reasonably necessary to administer the Deferred Payment Program.
2. How We Use Personal Information
Personal information may be used for purposes including:
- Receiving and processing applications;
- Establishing and verifying Customer identity;
- Assessing eligibility for the Deferred Payment Program;
- Assessing payment capacity and application risk;
- Detecting and preventing fraud;
- Preparing and administering Deferred Payment Agreements;
- Managing payment schedules;
- Recording and reconciling payments;
- Communicating upcoming or overdue payments;
- Managing collection activity;
- Identifying and administering payment defaults;
- Administering Samsung Knox Guard enrollment, restriction, unlocking, and unenrollment;
- Providing customer service;
- Managing disputes and complaints;
- Maintaining business and transaction records;
- Protecting the Seller's contractual rights;
- Complying with legal, regulatory, judicial, or governmental requirements; and
- Establishing, exercising, or defending legal claims.
3. Information Verification
Information supplied in an application may be verified where reasonably necessary for assessment, fraud prevention, contractual administration, or compliance purposes.
This may include verification of identity, contact details, employment, supporting documentation, or other information supplied by the Customer, subject to applicable law.
4. Payment Information
We may maintain records concerning scheduled and completed payments, outstanding amounts, payment dates, payment references, payment status, and collection activity.
Where payments are processed or recorded through external systems, relevant transaction information may be received from such systems and associated with the Customer's Deferred Payment account.
5. Device Information and Samsung Knox Guard
Where a device is enrolled in Samsung Knox Guard, information necessary to identify and administer that device may be processed.
This may include:
- Device model;
- IMEI;
- Serial number;
- Knox Guard enrollment status;
- Restriction or lock status;
- Relevant device-management events;
- Unlock status; and
- Unenrollment status.
Device-management information is used for administering the Deferred Payment Agreement and protecting the Seller's contractual rights.
The operation of Samsung Knox Guard may additionally be subject to Samsung's own applicable terms and privacy practices.
6. Sharing of Personal Information
Where reasonably necessary, personal information may be shared with third parties involved in administering or supporting the Deferred Payment Program, including:
- Technology and hosting providers;
- Device-management service providers;
- Samsung and/or authorized Samsung service providers where applicable;
- Payment or collection service providers;
- Verification and fraud-prevention providers;
- Professional advisers;
- Authorized repair or service providers;
- Public authorities, courts, or regulators where required by law; and
- Other parties where disclosure is legally required or appropriately authorized.
We do not authorize third parties receiving information from us to use it for unrelated purposes contrary to applicable contractual or legal requirements.
7. Information Security
We take reasonable administrative, organizational, and technical measures intended to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
No electronic system can, however, be guaranteed to be completely secure.
8. Data Retention
Personal information shall be retained for as long as reasonably necessary for the purposes for which it was collected, including administration of the Deferred Payment Agreement, record keeping, dispute management, fraud prevention, and compliance with applicable legal requirements.
Information may therefore be retained for an appropriate period following full settlement of a Customer's account where necessary for legitimate record-keeping or legal purposes.
9. Accuracy of Information
Customers are responsible for providing accurate and current information.
Customers should promptly inform BMS of changes to relevant contact or identification information during the Deferred Payment period.
10. Customer Rights
Subject to applicable Lebanese law and any applicable exceptions, Customers may have rights concerning their personal information, including rights to request access to, correction of, or other appropriate action concerning personal information held about them.
Requests may be submitted using the contact details published on our website.
Certain information may need to be retained notwithstanding a request where retention is required for contractual, fraud-prevention, record-keeping, legal, or regulatory purposes.
11. Third-Party Services
Our Deferred Payment Program may rely upon services provided by third parties, including Samsung Knox Guard.
Those services may be governed by their providers' own terms, privacy notices, and data-processing practices.
Customers should review any applicable third-party notices made available to them.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect operational, technological, legal, or regulatory developments.
The latest version will be published on our website together with its last-updated date.
13. Contact
Questions, requests, or concerns concerning this Privacy Policy or personal information processed in connection with the Deferred Payment Program may be submitted to:
BMS
Beirut, Lebanon
Email: estore-lb@bmsmena.com
Telephone: +961 71 234 900
