Welcome to the Jordan
Ahli Banks 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 as 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]
11.
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.
Changes to this privacy
policy
We reserve the right to
update and make amendments to this privacy policy from time to time. The user
is responsible for checking 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
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
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:
Identity andFamily situation Data includes
first name, middle name, last name, username or similar identifier, marital
status, number of children, title, date of birth and gender.
Contact Dataincludes billing address,
delivery address, postal address, email address telephone numbers, contact list ].
Banking and Financial Dataincludes bank account and payment
card details.
Tax status Dataincludes tax ID tax status.)
Technical Dataincludes [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 Dataincludes [your username and password,
purchases or orders made by you, your interests, preferences, feedback and
survey responses] and your photos which you grant us access to through using
our mobile applications.
Usage Dataincludes [information about how
you use our website, products and services].
Marketing and
Communications Dataincludes [your preferences in
receiving marketing from us and our third parties and your communication
preferences].
Education and employment
information (includes Level of education, employment,
employers 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 conversation:
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 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:
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.
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/Activity |
Type
of data |
Lawful
basis for processing including basis of legitimate interest |
|
To
register you as a new customer |
(a)
Identity |
Performance
of a contract with you |
|
To
process and deliver your order including: |
(a)
Identity |
(a)
Performance of a contract with you |
|
To
manage our relationship with you which will include: |
(a)
Identity |
(a)
Performance of a contract with you |
|
To
enable you to partake in a prize draw, competition or complete a survey |
(a)
Identity |
(a)
Performance of a contract with you |
|
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 |
(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) |
|
To
deliver relevant website content and advertisements to you and measure or
understand the effectiveness of the advertising we serve to you |
(a)
Identity |
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 |
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 |
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: |
(a)
Identity |
Necessary
for our legitimate interests |
|
To
deploy and develop products or services, to improve our risk management and
to defend our legal rights, including: |
|||
Collecting
your location details via our applications to provide you with the nearest
ATM or branches. |
Technical |
Necessary
for our legitimate interests (to enable you to transact through the bank) |
|
Accessing
your contact list through our mobile applications to allow you to select a
payee to effect a payment |
Contract
data |
(a)
Performance of a contract with you |
|
Accessing
your camera through our mobile application only to allow you to make payments
through scanning QR codes and to allow you to select a picture as your
profile picture. |
Profile |
Necessary
for our legitimate interests (to enable you to transact through the bank) |
We strive to provide you with
choices regarding certain personal data uses, particularly around marketing and
advertising.
Marketing
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 DPO 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 date 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.
In depended agent,
intermediaries or, banking and specialised 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 (FPAs) 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 share your personal
data within the JAB Group. This will involve transferring your data outside)
Jordan and the European Economic Area (EEA).
We ensure your personal
data is protected by requiring all our group companies to follow the same rules
when processing your personal data. These rules are called binding corporate
rules.
[Many of our external
third parties are based outside the EEA so their processing of your personal
data will involve a transfer of data outside the EEA.
Whenever we transfer your
personal data out of the EEA, 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 by the European Commission. For further
details, see European Commission: Adequacy of the protection of personal data
in non-EU countries.
Where we use certain
service providers, we may use specific contracts approved by the European
Commission which give personal data the same protection it has in Europe. For
further details, see European Commission: Model contracts for the transfer of
personal data to third countries.
Where we use providers
based in the US, we may transfer data to them if they are part of the Privacy
Shield which requires them to provide similar protection to personal data
shared between Europe and the US. For further details, see European Commission:
EU-US Privacy Shield.
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 unauthorised
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.
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 unauthorised 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 15 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 anonymise 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.
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 notified to you, if applicable, at the time of your request.
Object to processing of 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 datas 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).
However, we may charge a reasonable fee if your request is clearly unfounded,
repetitive or excessive. Alternatively, we could refuse to comply with your
request in these circumstances.
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.
LAWFUL BASIS
Legitimate Interest means the interest
of our business in conducting and managing our business to enable us to give
you the best service/product and the best and most secure experience. We make
sure we consider and balance any potential impact on you (both positive and
negative) and your rights before we process your personal data for our
legitimate interests. We do not use your personal data for activities where our
interests are overridden by the impact on you (unless we have your consent or
are otherwise required or permitted to by law). You can obtain further
information about how we assess our legitimate interests against any potential
impact on you in respect of specific activities by contacting DPO.
Performance of Contract means processing
your data where it is necessary for the performance of a contract to which you
are a party or to take steps at your request before entering into such a
contract.
Comply with a legal
obligation means
processing your personal data where it is necessary for compliance with a legal
obligation that we are subject to.
THIRD PARTIES
Internal Third Parties
Other companies in the
JAB Group acting as joint controllers or processors and who are based and
provide IT and system administration services and undertake leadership
reporting.
External Third Parties
Service providers acting
as processors who provide IT and system administration 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, state agencies.
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.
A cookie is a small file
of letters and numbers that we store on your browser or the hard drive of your
computer if you agree. Cookies contain information that is transferred to your
computers hard drive.
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 recognise 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 recognise you when you return to our website. This enables
us to personalise 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:
Cookie
Name/Title |
Purpose |
More
information |
|
[Java
Session ID][JSESSIONID] |
Used
for identifying the user and authorize to consume post login services. |
https://javarevisited.blogspot.com/2012/08/what-is-jsessionid-in-j2ee-web.html |
|
[Google
Recaptcha] |
Re-captcha
uses cookies which identifies whether the service request are
initiated by human or bot |
https://www.termsfeed.com/blog/privacy-policy-recaptcha/ |
To deactivate the use of
third-party advertising cookies, you may visit the consumer page to manage the
use of these types of cookies.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 like web traffic analysis services. These
third-party cookies are likely to be analytical cookies or performance cookies
or targeting cookies
You can block cookies by
activating the settings on your browser that allows 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.
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