Privacy Policy

Introduction

Welcome to the Jordan Ahli Banks privacy policy.

This Privacy Policy Is Issued on behalf of JAB Group. Accordingly, throughout this Privacy Policy, any references to ‘JAB ‘, ‘the Bank’, ‘we’, ‘us’, or ‘our’ shall be deemed to refer to JAB Group and its relevant subsidiaries and affiliates.

Jordan Ahli Bank (“JAB”) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to This Privacy Policy explains how we collect, use, and protect your personal data when you visit our website (regardless of where you visit it from) and tell you about your privacy rights and how the law protects you.

This privacy policy is provided in a layered format as outlined below. Please also use the Glossary to understand the meaning of some of the terms used in this privacy policy.

1. [IMPORTANT INFORMATION AND WHO WE ARE]
2. [THE DATA WE COLLECT ABOUT YOU]
3. [HOW IS YOUR PERSONAL DATA COLLECTED?]
4. [HOW WE USE YOUR PERSONAL DATA]
5. [DISCLOSURES OF YOUR PERSONAL DATA]
6. [INTERNATIONAL TRANSFERS]
7. [DATA SECURITY]
8. [DATA RETENTION]
9. [YOUR LEGAL RIGHTS]
10. [Mechanism for Submitting Complaints and Objections]
11. [GLOSSARY]
12. [Reference Guide to Related Policies and Procedures]
13. [Document Revision / Amendments History]

1. Important information and who we are

Purpose of this privacy policy

This privacy policy aims to provide you with information on how JAB collects and processes your personal data through your use of this website and online channels.
It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing your personal data so that you are fully aware of how and why we are using your data.
This privacy policy supplements other notices and privacy policies and is not intended to override them.

Changes to this privacy policy

We reserve the right to update and make amendments to this privacy policy from time to time. The Users are responsible for reviewing the privacy policy periodically. These updates, amendments or deletions shall be effective immediately upon posting on the privacy policy. If this privacy policy is not agreeable to any user, then the user should abstain from using our website.

In the event of any material changes to the privacy policy, we will notify you about it by providing a notice to the email address you provided us with or by placing a prominent notice on our website. By continuing to use the website following any changes that will be interpreted as acceptance of such changes by the user.

Controller

This privacy policy is issued on behalf of the JAB Group so when we mention JAB, we, us or our in this privacy policy, we are referring to the relevant company in the JAB Group responsible for processing your data.
We have appointed a data protection officer (DPO) who is responsible for overseeing questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact the DPO using the details set out below.

Contact details

We have appointed a Data Protection Officer (DPO) who is responsible for overseeing inquiries related to the Privacy Policy.

If you have any inquiries regarding the Privacy Policy, including any requests to exercise your legal rights, please contact the Data Protection Officer (DPO) Using the contact details set out below Email Address: [email protected]

Updating your personal data

It is important that the personal data we hold about you is accurate and up to date Please keep us informed if your personal data changes during your relationship with us.

Third-party links

This website may contain links to third-party websites, plugins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

2. The data we collect about you

Personal Data or Personal Information means any data defined by law as personal data. It does not include data where the identity has been removed (anonymous data).

We may collect, use, store and transfer different types of personal data about you which we have grouped together as follows:

• Identity and Family situation Data includes your first name, middle name, last name, username or similar identifier, marital status, number of children, title, date of birth and gender.
• Contact Data includes billing address, delivery address, postal address, email address telephone numbers, and contact list
• Related Parties’ Data: Data pertaining to other related individuals, such as family members, guardians, and authorized representatives.
• Banking and Financial Data includes bank account and payment card details.
• Tax status Data includes tax ID and tax status.
• Technical Data includes [internet protocol (IP) address, your login data, browser type and version, information stored on malware applications installed on your devices, information pertaining to installed application, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
• Profile Data includes [your username and password, purchases or orders you have, your interests, preferences, feedback and survey responses] and any photos which you grant us access to through using our mobile applications.
• Usage Data includes [information about how you use our website, products and services].
• Marketing and Communications Data includes [your preferences for receiving marketing from us and our third parties and your communication preferences].
• Education and employment information (includes Level of education, employment, employer’s name, remuneration)
• Data relating to your habits and preferences:
  • Data which relates to your use of our products and services including banking, financial and transactional data.
  • Data from your interactions with us, our branches (contact reports), our internet websites, our apps, our social media pages, meetings, calls, emails, interviews, phone conversations:
• Video surveillance (including CCTV) and geolocation data (e.g., showing locations of withdrawals and payments, for security reasons, or to identify the location of the nearest branch or service suppliers for you): and
• Data necessary to fight against over indebtedness.

We may collect the following sensitive data only upon obtaining your explicit prior consent:

• Biometric data includes fingerprint, voice pattern or facial recognition which can be used for identification and security purposes, and
• Health datafor instance for the drawing up of some insurance contracts this data is processed on need-to-know basis.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, political opinions, trade union membership,). Nor do we collect any information about criminal convictions and offences unless it is required through a legal obligation. The collection of such information concerning criminal convictions, offenses, and legal proceedings is restricted to instances where you apply for a credit facility or a loan from the Bank.

If you fail to provide personal data

If you fail to provide personal data which we are legally required to collect, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to subscribe or use a specific product or services). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.  

3. How is your personal data collected?

We use different methods to collect data from and about you including through:

• Direct interactions. You may give us your [Identity, Contact and Financial Data] by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you apply for our products or services.
• Create an account on our website.
• Subscribe to our Digital service or publications.
• Request marketing to be sent to you.
• Enter a competition, promotion or survey; or
• Give us feedback or contact us.
• Indirect Interactions: Automated technologies or interactions. As you interact with our website and digital channels, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies.
• In certain circumstances, we may collect and use personal data of individuals with whom we have, could have, or previously had, a direct relationship such as:
  • Visitors to our websites and digital channels.
  • Prospective or existing clients: or.
  • Attendees of our events.
• Through Third Parties: We may also collect information about you where you do not have a direct relationship with us. This may happen, for instance, when your employer provides us with information about you or your contact details are provided by one of our clients if you are, for example:
  • Family members.
  • Co-borrowers \ guarantors,
  • Legal representatives (power of attorney)
  • Beneficiaries of payment transactions made by our clients:
  • Beneficiaries of insurance policies and trusts:
  • Landlords:
  • Ultimate beneficial owners:
  • Clients’ debtors (e.g., in case of bankruptcy)
  • Company shareholders.
  • Representative of a legal entity (which may be a client or a vendor) and
  • Staff of services provider and commercial partners.
• Third parties or publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:
  • Technical Data from the following parties:
    • Analytics providers.
    • Advertising networks; and
    • Search information providers.
    • Contact, Financial and Transaction Data from providers of technical, payment and delivery services.
    • Identity and Contact Data from data brokers or aggregators.
    • Identity and Contact Data from publicly available sources: (e.g., Civil Status and Passports Department, Companies Control Department, Public Security Directorate, Ministry of Labour, Ministry of Industry, Trade and Supply, etc.).
    • Any other methods through which personal data or sensitive personal data is collected.

4. How we use your personal data

We will process your personal data only where permitted by law. The Bank’s Data Privacy Notice will be made available to customers through the Bank’s official website and mobile banking application, and a clear “Accept/Reject” option will be displayed to users in order to obtain their electronic consent in relation to browser Cookies. We will use your personal data under the following circumstances:

• Where we need to perform the contract, we are about to enter into or have entered into with you.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• Where we need to comply with a legal obligation.

Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

Purposes for which we will use your personal data

We collect and process your personal data for various purposes. To clarify these purposes, the legal basis and/or lawful grounds relied upon for collection and processing, as well as to specify our legitimate interests where appropriate, we have prepared the table below, which describes the intended uses of your personal or sensitive personal data.
Please note that the types of data indicated for each purpose are provided for illustrative purposes only. Accordingly, reference should be made to the “Types of Data Collected” section above, as necessary.
Please contact us if you require any further details or clarification regarding the legal bases set out in the table below.

Marketing

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

Promotional offers from us

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us if you have requested information from us or purchased services from us and you have not opted out of receiving that marketing.

Third-party marketing

We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.

Opting out

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us directly at any time

Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of a product/service purchase, warranty registration, product/service experience or other transactions.

Cookies

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

Change of purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

5. Disclosures of your personal data

We may share your personal data with the parties set out below for the purposes set out in the table [Purposes for which we will use your personal data] above.

• Internal Third Parties as set out in the Glossary.
• External Third Parties as set out in the Glossary.
• Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy.
• JAB Group entities (e.g., so that you may benefit from our full range of group products and services) If you are a client of our corporate and institutional banking business, this would include, for example, personal data being accessed and /or stored in jurisdictions in which and through which transactions are effected, and jurisdictions from which you regularly receive or transmit information about your business with JAB.
• Services providers which perform services on our behalf.
• Independent agent, intermediaries or, banking and specialized partners, with which we have a regular relationship.
• In particular, in relation to our corporate and institutional banking business, we may disclose your personal data.
  • To any counterparty, custodian, depositary, or nominee appointed or instructed by us on your behalf, or on behalf of the entity you represent, or through whom we may deal or transact in relation to your account or for purposes otherwise ancillary to the provision of services provided by JAB to you or the administration of your account.
  • To any licensed credit agency in order to perform a credit assessment for any credit or mortgage-based products requested by or applied for by you and to tracing agents to recover debt:
  • To any rating agency, insurer or other provider or credit protection to JAB.
  • To Fraud Prevention Agencies (FPA’s) in order to check the identity of the client or individuals or to investigate or prevent money laundering fraud, or other illegal activity, and
  • If the disclosure relates to the actual or potential transfer or novation of one or more transactions pursuant to any applicable Terms of Business (or risks relating to such transactions) by us.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions. We disclose information to other parties on a one-time or regular basis, as required by the nature of the relationship, the contract, legal obligation, and/or legitimate interest.

6. International transfers

We share your personal data within the JAB Group. This will involve transferring your data outside Jordan.

We ensure your personal data is protected by requiring all our group companies to follow the same rules when processing your personal data.

Many of our external third parties are based outside Jordan so their processing of your personal data will involve a transfer of data outside Jordan.

Whenever we transfer your personal data out of Jordan, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

• We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data.
• Where we use certain service providers, we may enter into specific approved contracts that ensure the same level of protection for personal data.
• Where we use providers who are based outside Jordan, we may transfer data to them if they are part of the Privacy Shield, which requires them to provide a similar level of protection for the personal data shared.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the EEA.

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

8. Data retention

How long will you use my personal data for?

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
By law we have to keep basic information about our customers (including Contact, Identity, Financial and Transaction Data) for 10 years after they cease being customers.
In some circumstances you can ask us to delete your data: see your legal rights below for further information.
In some circumstances we will anonymize your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.
All customer and employee data are stored exclusively within the internal infrastructure of JAB, located within the Hashemite Kingdom of Jordan. No personal data is stored, processed, or transferred outside the Kingdom, nor to any external cloud environment. Data is retained within centralized databases at the Bank’s primary data center. Copies of such data may reside on employees assigned computing devices strictly in accordance with their operational duties, subject to the implementation of robust data leakage prevention (DLP) and information security controls.
Data backup operations are performed periodically using dedicated systems to preserve data across computer workstations and servers. Backup copies are also maintained on encrypted tapes within a Tape Library system, housed at the Disaster Recovery (DR) Site within the Hashemite Kingdom of Jordan. These measures ensure business continuity and safeguard data against loss.

Data Retention Periods

Data retention periods are defined in accordance with local regulatory requirements, the instructions of the Central Bank of Jordan, and the Bank’s internal policies (including the approved Backup Policy). Data is retained only for as long as necessary to achieve the purposes for which it was collected. Upon expiry of these purposes, the data is securely destroyed.

Data Destruction Methods

Data is electronically destroyed using approved tools that ensure secure erasure of media (secure erase), in strict accordance with the Bank’s established internal procedures.

Technical and Organizational Measures for Data Protection

Various advanced protection systems are implemented at the computer and server levels, including:

• Anti-Malware Systems.
• Data Leakage Prevention (DLP) Systems.
• Network Access Control (NAC) Systems.
• Full-Disk Encryption for computers.

Implementation of Network and Information Security Systems

Various advanced protection systems are implemented at the network and information levels, including:

• Firewall systems.
• Implementation of internet browsing permission management systems.
• Use of encryption technologies for sensitive data stored in databases.
• Use of network encryption for web systems via Hypertext Transfer Protocol Secure (HTTPS).
• Defined access permissions across all systems through an approved authorization matrix, subject to periodic review by the relevant supervisory authorities.
• Conducting security assessments, including vulnerability scans, penetration tests, and periodic audits.
• Regular employee awareness and training on information security policies, data protection, and privacy.
• Existence of internal policies for managing and responding to security incidents (Incident Response).

9. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. these rights are:

Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be informed and/or notified to you, if applicable, at the time of your request.

Object to processing your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:

• If you want us to establish the data’s accuracy.
• Where our use of the data is unlawful, but you do not want us to erase it.
• Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims.
• You have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above, please contact us.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights).

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

10. Mechanism for Submitting Complaints and Objections

In line with JAB ’s commitment to providing the highest level of service to its valued customers, ensuring their satisfaction, and in compliance with the Personal Data Protection Law No. (24) of (2023), you may submit a complaint regarding the processing of your personal data through any of the following channels:

• Direct contact with the Customer Complaints Unit during official working hours at phone number 06-5656300.
• Contacting the Direct Call Center outside official working hours at phone number 06-5007777.
• Via email to the Data Protection Officer (DPO) at [email protected].
• In person, by visiting any of the Bank’s branches.

Please note that complaints will be addressed within 10 days from the day following their submission. Should this period lapse without any action by the Bank, the complainant has the right to escalate the complaint to the relevant unit for review, without prejudice to their right to seek judicial recourse.

11. Glossary

LAWFUL BASIS

THIRD PARTIES

Internal Third Parties

Other companies in the JAB Group acting as joint controllers or Processors of personal data, maintaining a registered office, providing IT and Management System services, and performing reporting functions to the Bank’s management.

External Third Parties

• Service providers acting as processors who provide IT and Management System services.
• Professional advisers acting as processors or joint controllers including lawyers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.
• Regulators and other authorities acting as processors or joint controllers who require reporting of processing activities in certain circumstances. Financial taxation, judicial authorities, and other governmental bodies.

JAB Cookie policy

Our website and digital channels use cookies to distinguish you from other users. This helps us to provide you with a good experience when you browse our website and allows us to improve our site.

We use the following cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
• Analytical or performance cookies. These allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
• Functionality cookies. These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
• Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website, and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Please note that third parties may also use cookies, over which we have no control. These third parties may include, for example, advertising networks and providers of external services such as

 web traffic analysis services. These third-party cookies are likely to be analytical cookies or performance cookies or targeting cookies.

To deactivate the use of third-party advertising cookies, you may visit the consumer page to manage the use of these types of cookies. You can block cookies by activating the settings on your browser that allow you to refuse the settings of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our websites.

12. Reference Guide to Related Policies and Procedures

• Personal Data Protection Policy.
• Policy on Transferring Personal Data to Entities Inside/Outside Approved/Non-Approved Countries.
• Personal Data Processing Consent Form.
• Data Leakage/Loss Prevention (DLP) Procedures.
• Cyber and Information Security Policy.
• Appendix K – Application User Access Management Policy.
• Appendix G – Backup Policy.
• Data Processor Assessment Questionnaire (in Arabic and English).
• Personal Data Processing Consent Withdrawal Form.
• Personal Data Protection Law Acknowledgment and Commitment Form.
• Data Breach Notification and Management Policy in accordance with Data Protection Regulations.
• Personal Data Protection Incident Reporting Form.
• Personal Data Access Request Form.
• Consent Form for Correction, Modification, Addition, or Update of Personal Data Processing.

13. Document Revision / Amendments History