Privacy Policy

Introduction

Welcome to the Jordan Ahli Bank’s privacy policy.

Jordan Ahli Bank (“JAB”) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after 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 so you can click through to the specific areas set out 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. [GLOSSARY]

1.Important information and who we are

Purpose of this privacy policy

This privacy policy aims to give you 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 personal data about you 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.

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

If you have any questions about this privacy policy or our privacy practices, please contact our DPO in the following ways:

Email address: DPO@ahli.com

Telephone number: +96265206000 Ext. 1408

Changes to the privacy policy and your duty to inform us of changes

We keep our privacy policy under regular review.

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

Third-party links

This website may include links to third-party websites, plug-ins 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 information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

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

  1. Identity and Family situation Data includes first name, middle name, last name, username or similar identifier, marital status, number of children, title, date of birth and gender.
  2. Contact Data includes billing address, delivery address, postal address, email address and telephone numbers].
  3. Banking and Financial Data includes bank account and payment card details.
  4. Tax status Data includes tax ID tax status.)
  5. Technical Data includes [internet protocol (IP) address, your login data, browser type and version, 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].
  6. Profile Data includes [your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses].
  7. Usage Data includes [information about how you use our website, products and services].
  8. Marketing and Communications Data includes [your preferences in receiving marketing from us and our third parties and your communication preferences].
  9. Education and employment information (includes Level of education, employment, employer’s name, remuneration)
  10. 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 conversation:
  11. 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
  12. Data necessary to fight against over indebtedness.

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

  • Biometric date includes fingerprint, voice pattern or facial recognition which can be used for identification and security purposes, and
  • Health data for 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.

If you fail to provide personal data

Where we need to collect personal data by law, 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.
  • 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
  • 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:
    1. analytics providers;
    2. advertising networks; and
    3. 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.
  • [ANY OTHER WAYS YOU COLLECT PERSONAL DATA].

4.How we use your personal data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in 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 have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Purpose/ActivityType of dataLawful basis for processing including basis of legitimate interest
To register you as a new customer(a) Identity
(b) Contact
Performance of a contract with you
To manage our relationship with you which will include:
a.Notifying you about changes to our terms or privacy policy
b.Asking you to leave a review or take a survey
c.Provide you with information regarding our products and services
d.Assist you and answer your requests.
e.Evaluate if we can offer you a product or service and under which conditions and
f.Provide products or services to our corporate clients of whom you are member of staff, a shareholder, a beneficial owner or a client (for instance, in the context of cash management).
(a)Identity
(b)Contact
(c)Profile
(d)Marketing and Communications
(a)Performance of a contract with you
(b)Necessary to comply with a legal obligation
(c)Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)
To enable you to partake in a prize draw, competition or complete a survey(a)Identity
(b)Contact
(c)Profile
(d)Usage
(e)Marketing and Communications
(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them and grow our business)
To administer and protect our business and this website and digital channels (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)(a) Identity
(b) Contact
(c) Technical
(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you(a) Identity
(b) Contact
(c) Profile
(d) Usage
(e) Marketing and Communications
(f) Technical
Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences(a) Technical
(b) Usage
Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To make suggestions and recommendations to you about products or services that may be of interest to you(a) Identity
(b) Contact
(c) Technical
(d) Usage
(e) Profile
(f) Marketing and Communications
Necessary for our legitimate interests (to develop our products/services and grow our business)
To deploy and develop products or services, to improve our risk management and to defend our legal rights, including:
-proof of transactions
-fraud prevention
-IT management, including in infrastructure management (e.g. shared platforms)& business continuity and it security:
-establishing individual statistical models, based on the analysis of transactions, for instance in order to help define your credit risk score:
-establishing aggregated statistics, tests and modes, for research and development, in order to improve the risk management of our group of companies or in order to improve existing products and services or create new one,
-training of our personnel by recording phone calls to our contact centres:
-personalising our offering to you or the entity you represent and that of other JAB entities through,

-improving the quality of our banking, financial or insurance products or services:

-advertising products or services that match with your circumstances and profiles which may be achieved by:
-Segmenting our prospects and clients:
-Analysing your habits and preferences in the various channels (visits to our branches, emails or messages, visits to our website, etc.)
-Sharing your data with another JAB entity, notably if you or the entity you represent, are or are to become, a client of that other entity:
-Matching the products or services that you already hold or use with other data we hold about you ( e.g. we may identify that you have children but no family protection insurance yet) and
-Monitoring transactions to identity those which deviate from your normal routing (e.g. when you receive a large withdrawal from your bank account in a country where you do not live).
(a) Identity
(b) Contact
(c) Financial
(d) Transaction
(e) Marketing and Communications
(c) Financial
(d) Transaction
(e) Marketing and Communications Necessary for our legitimate interests
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 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.

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