بنك بن دول للتمويل الاصغر الاسلامي

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(+967) 8 000 644

E-mail : info@bank-bindowal.com

ساعات العمل

( 12.00 PM - 8.00 AM )

( 8.00 PM - 4.00 PM )

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Policy and privacy Terms and Conditions

Data Privacy

Data privacy or information privacy is a branch of data security related to the correct processing of data, notices and regulatory obligations that deal with the capabilities of individual organizations and that must be defined by data that can be shared with third parties.

The Data We Collect

We collect and process personal data primarily to provide the customer with access to our services and products and to help us improve them and we may collect the customer is personal data, which includes the following:
1. Email address and subscription to subscription or when registering for customer email alerts.
2. When using our emails, for example, when you open and click on the link
3. The client is Internet Protocol (IP) address and details of the web browser version used by Qibla
4. Information about how to use the website using cookie technologies
5. Questions, inquiries or Facebook account left by the customer including email address if contacted by the bank
6. Data collection through visits to the website
7. The duration spent by the customer or user on each page of the site
8. How to access the site, which is done through the sites that have been accessed
9. Automatic data collection when using our website

Scope Processing

Our bank will process personal data mainly for the following purposes:
1. The customer must be able to supply the product and services that he is applying for
2. Verify identity and comply with applicable laws and regulations locally and internationally regarding the prevention of money laundering and terrorist financing, in addition to preventing frauds that may be used.
3. Provide the customer with the data related to him upon request.
4. Process customer-specific transactions.
5. Valuation and analysis including credit and conduct assessment, market, product analysis and risk management, in order to protect our legitimate interests.
6. Detect and prevent fraud, and prevent money laundering and other criminal or suspicious operations that the Bank is required to report, including carrying out due diligence for the customer is anti-money laundering purposes
7. Direct marketing such as informing the customer by phone, e-mail or any other electronic means or about other products or services offered by the Bank, its subsidiaries, partners, agents and other carefully selected third parties.

We may use data for protection in the following ways:

Recording phone calls between bank specialists to verify the details of the conversations in order to train employees on ways to protect and maintain the quality of service
Before providing any service, we will conduct an anti-money laundering check, which may include searches to ascertain the customer is identity.
Data may be transferred and stored in places outside the European economy, including countries that may not have the same level of personal data protection, and when doing so it will be ensured that the transfer is lawful and falls under the GDPR
When transmitting data, we must use the data transfer method to implement what has been agreed with the customer and fulfill legal obligations to ensure the protection of the public interest and legal interests.

Data We Share

Personal data may be disclosed or exchanged between Bank employees and with its subsidiaries, advisors, partners or agents.
We do not share personal data with companies, organizations or individuals outside the bank unless the following situations apply:
1. We will share personal data with companies, organizations or individuals outside the bank after the customer has consented to this and consent will be requested from the customer to share any personal data
2. For external processing, we provide customers personal data to trusted companies or persons treated from time to time, in order to provide customers with the services they request, in compliance with the requirements of European regulation, the privacy policy and any confidential information .
3. For legal reasons, we will share personal data with organizations, companies or individuals outside the bank if the companies are trusted and secure when accessing, using, saving or disclosing the data in the event of a judicial request to:
4. Comply with any applicable law, regulation, legal process or governmental request upon request.
5. Enforce current terms of service, including investigation or potential violations.
6. Measures to protect against any damage that may occur to property rights or the integrity of the rights of individuals
7. We may share non-personally identifiable data in general, for example sharing data in general to find out the directions in which our services are used.

We will not share data with

Selling or renting customer data to a third party
Sharing customer data with third parties for marketing purposes

Data Retention

We will not retain personal data for longer than is required to maintain the customer is relationship with the bank including for the purpose of meeting any legal or regulatory requirements.
We only retain personal data for as long as it is required for the purposes specified in this policy
In case the data is legally requested, they are provided with the data.
Feedback data is retained for two years and then data will be deleted after 120 days

Child Privacy

According to the GDPR, the processing of children is personal data is only legal if parental or guardian consent is obtained for children under the age of 16.

Data Security

Full commitment to data protection and preservation.
Ensure that strict procedures for the protection of personal data are followed within the bank.
Ensure that the data that is requested to be provided to a third party maintains the security of all personal data processed on our behalf.
When the customer does not feel confident about the bank, he must inform the bank and notify them of this .

Cookies are very small text files that are placed on a computer by a web server when viewing some websites over the Internet, and cookies usually store personal registration data such as name, address, shopping information, web page preference layout, etc.
When you visit a website, the web server automatically records the user is details such as the online ID, and records the type of browser and the page of the website visited by the customer.

Customer Data Rights

The customer has the right to request access to his personal data through the Data Protection Officer (DPO).
The customer has the right to obtain a copy of the personal data we hold about him.
The customer has the right to request correction of the personal data that is retained
The customer has the right to request a survey of some data that he deems inappropriate to appear in his data.
The customer has the right to object to the personal data entered into the system.
The customer has the right to request the authentication of personal data.
The customer has the right to request the transfer of personal data to another party.
The customer has the right to send an objection on how personal data is processed via e-mail or by filling out the objections form .

Customer Consent

By using our website and the services provided, the customer agrees to the terms of the privacy policy offered and the mechanism for collecting data and using his personal data and the customer is aware that all data provided to the bank that relates to business is accurate and up-to-date .

Disclosure to Legal Authorities

We may share the personal information of the customer or user with legal authorities, data protection authorities, internal or external auditors, lawyers, authorized authorities or data collection authorities where it does not conflict with the data giving policy and with any general laws, in the following cases: By providing the customer is personal data that has been approved by the customer and includes the disclosure, transfer or processing of personal data, all necessary measures will be taken to ensure that the data is handled securely and in accordance with Applicable Privacy Policy
In the case of requests for disclosure of the customer is personal data, either through a court request or any other legal procedure, the required data will be officially givenً
When it is believed that the disclosed data may work to avoid and prevent money laundering, terrorist financing, tax evasion or any illegal activity or actً
The necessity of disclosing data during the investigation process in the event of any violations of this privacy or any of the conditions or to avoid any financial losses.

Notification of change

This Privacy Policy may be amended over time and we may change this Privacy Policy at any time by posting a revised version of it on our website, if we do not have legal grounds to do otherwise, users will be provided with advance notice sent by email 30 days prior to the actual data modified for the privacy policy. These updates may be posted via the Bank is website or the customer is email address where the customer will be. Be fully informed of all updates and changes made to the Data Privacy Policy.

How the customer is personal data and information is

Personal information is used to serve the account and to improve the services of the bank, which in turn fully adheres to the following principles when using the customer is personal data :
1. The Bank makes every effort to ensure that personal information is processed in a lawful, fair and transparent manner .
2. Limit the personal information collected from the customer and the necessary data related to everything necessary and related to the data collection process, which is dealt with with the utmost accuracy and updated continuously
3. The best standards and procedures are provided by preserving customer data that includes full protection and complete confidentiality with the utmost integrity .

The bank is communication with you

Bank customers are contacted via email to provide the required services
Customers are contacted by phone in order to:
1. Respond and solve customer complaints and requirements.
2. Respond to requests that serve the customer.
3. Report any illegal transaction that may take place in suspicious accounts or transactions.
4. Confirm information related to the customer is identity, business or account type.
5. The customer is contacted in the manner previously clarified, either by SMS or e-mail to send the transactions that have been made in the customer is account .

Disclosure of your personal information to third parties

Sometimes we may need to share personal data, such as helping to carry out certain operations.
When processing the customer is personal data, some personal data may be disclosed to third parties such as legal authorities or may be transferred to be processed outside the bank .
Information will not be sold, exchanged or shared with any third parties unless lawfully requested.
Third parties working to provide their services for the protection of the customer is personal data will be limited to the purposes disclosed, and the Bank also guarantees that these parties are subject to all data protection policies and procedures.
Third parties cannot use the customer is personal data for other purposes without the prior consent of the customer.

Retention of personal information

In compliance with the legal requirements related to preventing money laundering and combating the financing of terrorism, the Bank is obligated to maintain customers personal data along with auditing their accounts for a period of not less than five years after the termination of (contract or work) In case of criminal investigations and legal proceedings, the Bank may be required to keep records in accordance with the approved law for a period not exceeding five years .
All necessary measures will be strictly taken to ensure that the customer is personal data is treated securely and in accordance with the privacy policy that takes place through the transmission of personal data, which will only take place after the customer agrees to keep those records.

Data Protection Officer

Appointing a customer data protection officer to supervise compliance with the procedures of this policy, where he will be responsible for any inquiries related to customer data or any complaint about how personal data is used by the bank, customers can contact the bank is data protection officer via the e-mail on the website
Upon receipt of any complaint, it will be investigated and a response will be sent to the customer within one month. This deadline cannot be met.

Data breach

In the event of a breach of personal data, the personal data protection officer must report immediately upon receiving the report within a period not exceeding 72 hours and report it to the competent authorities, knowing that in the event of any breach, it will not cause any problems related to the rights and freedom of customers.
In the event that no breach is reported within 72 hours, the reasons for the delay must be explained
The Reporting Officer must notify the controller of any breaches of personal data without delay.
Allow the application to access the user is contacts through the application to facilitate the implementation of any operation that requires entering the beneficiary is phone number.
The notification referred to shall be as follows :
1. Explain the nature of the breach of personal data, which includes reporting the name and other contact details through the Personal Data Protection Officer or through any other party in the bank to obtain more details.
2. Explain the details of the consequences of possible breaches of personal data
3. Explain the mechanism of work on the precautionary measures and measures that are proposed or applied by the Controller for cases of personal data breaches.
4. Documentation of all cases of breach of personal data by the Financial Controller, including the facts of the breach case and corrective actions taken

Application permissions

- Camera:
1. Access to the camera to do QR scans
- Location:
1. Access the website to locate the nearest bank branch and the nearest ATM to you.

Access to contacts:

The application wants to access your contacts for the purpose of choosing the phone number to be paid or transfer money to.
It is intended to facilitate the entry of the beneficiary number and this data will not be shared with any other party.
Your contacts will not be accessed without your knowledge, but at your request.
Only the selected and chosen phone number is used without any other information associated with the chosen contact.