Privacy Policy

Ahli Bank S.A.O.G. Privacy Policy for Customers

1- Introduction

Ahli Islamic – Ahli Bank S.A.O.G (the “Bank”/ “We”/ “Us”/ “Our”) are committed to safeguarding the privacy of visitors/ customers (the “Visitor”/ “Customer”/ “You”/ “Your”), and are committed to protecting it through Our compliance with this Privacy Policy (the “Policy”). We value Your privacy and strive to protect Your personal information and personal data (“Data”) in compliance with the laws and regulations in Oman.

This Policy describes the types of Data We collect from You or Data that You may provide to Us when You:

Visit, access or use Our Website (the “Website”) and/ or app that run on computers, laptops, smart phones, tablet and other devices which provide dedicated browser and non-browser based interaction between You and Our Website/ app;

Communicate with Us electronically or via other means;

Click on ads or online content when visiting Our Website/ app;

Interact with Us via social media;

Our practices for collecting, using, maintaining, protecting and disclosing information You provide to Us is adopted as a sign of our commitment to safeguarding the privacy of Your personal information and personal data.

By Using Our Website/ app and agreeing to this Policy, You consent to the use of cookies in accordance with the terms of this Policy.

Since We may update or change this Policy, We recommend that You check the current version available from time to time. If We make changes to this Policy, We will update the “Last modified” date on top of this page.

Our Website/ app is not intended for use by persons under 18 years of age without legal parental or guardian consent. No one under the age of 18 may provide personal information on Our Website/ app without legal parental or guardian consent. We do not knowingly collect personal information from persons under 18 if such information is provided without parental or guardian consent. If You are under 18, please seek legal parental or guardian consent before providing Us with any details about yourself, including but not limited to details such as Your name, screen name, address, telephone number, email address, or any details of other social media that You may be using.

2- Collection and Processing of Data

We may collect, record, hold, disclose, store and use the following kinds of Data about You:

Information about Your visits to and use of Our Website/ app, including Your IP address, name of Your mobile operator, browser type, language and time zone, geographical location, length of Your visit, and page views;

Information that You provide to Us relating to Your networks and connections from Your address book contacts and/ or customer related information;

Information that You provide to Us while registering on Our Website/ app, including Your name, email address, telephone number and/or social media details;

Information that You provide to Us when completing Your profile on Our Website / app, including Your name, profile pictures (whether uploaded from Your camera roll, photos or social media account), address, contact details gender, date of birth, nationality, employment and/or educational details;

Information that You provide to Us which relates directly or indirectly to You and/or Your transaction with Us including the details of your account(s), the type of product(s) and/or services subscribed with Us and such other necessary information in relation Your transaction with Us;

Information that You provide to Us that will establish your financial standing, employment details, creditworthiness or suitability for any our product(s) and/or service(s) applied for (if required);

Information that You provide to Us about your risk profile, investments, insurance/takaful, knowledge and experience and/or business interest;

Information that You provide to Us when Using the services on Our Website, or that is generated in the course of those services including the timing, frequency and/or pattern of service use;

Shared information that You post to Our Website/ app for publication on the internet including Your name, user name, profile pictures and the content of Your reviews and/or posts;

Information You provide to Us related to how You use Our third party partners, such as Your reviews of Our partners;

Information through your relationship with Us, for example information provided by You in application forms, when taking part in customer surveys, competitions and promotions;

Information contained in or relating to any communication (verbal and written) that You send to Us through Our Website/ app and/or Our authorized agents, social media, email, electronic messages, non-electronic communication and/or any other appropriate communication channels;

Information relating to the way you use and manage your account(s). facility(ies), payment(s) with Us from the transactions you make to and from your account(s) and facility(ies);

Any other information from such other sources in respect of which You have given Your consent to them disclosing information relation to You and/or where they are not otherwise restricted.

Before You disclose personal information of any other person with Us, You must obtain that person’s consent both to the disclosure and to the processing of that personal information in accordance with this Policy. Providing Us with the data above is optional for You. If You decide not to disclose or provide such information to Us, We may be unable to deal with your inquiries, and/or generally provide You with Our products and services. Generally, We do not collect and process sensitive personal data about You. However, if You have provided us with material containing sensitive personal data – for instance, data through Our Website/ app and/or Our authorized agents, social media, email, electronic messages, non-electronic communication and/or any other appropriate communication channels, relating to your genetics, ethnic origins, health situation, beliefs, political or religious opinions, or criminal convictions, We shall use Our best endeavor to not process such information and further delete such information to bring about compliance will the provisions as stipulated under the law and regulations in Oman.

3- Use of Data

The Bank will use the Data in accordance with the terms and conditions set out in this Policy, Royal Decree 69/2022 promulgating the Personal Data Protection Law, other relevant legislation that is in force in Oman and the legal terms of use relative to the Bank’s Internet Banking Service (the “Terms of Use”).

Data submitted to Us via this Website/ app will be used for the purposes specified in this Policy.

We may use Your Data to:

Administer and personalize Our Website/ app for You, and enable You to use the services on Our Website/ app;

Provide, improve and develop Our services to enhance Your experience by using Our Website/ app;

Communicate with You about Our services and respond to You when You contact Us;

Estimate Our audience size and usage patterns in order to better manage the demands of Our network infrastructure;

Store information about Your preferences, allowing Us to customize the Website/ app to Your individual interests;

Recognize when You Use Our Website/ app;

Assess your application(s) or request(s) for our product(s) and/or service(s);

Conduct credit checks and verify your financial standing to analyse your credit and repayment behaviour score;

Maintain and/or manage your accounts and/or facility(ies) with Us;

Stored information on your current and future investment needs;

Transfer and/or assign our rights, interests and obligations under any of Your agreements with Us;

Enforce and/or defend any of our rights including but not limited to our rights to recover any debts owing to Us;

Conduct investigation for crime detection, anti-money laundering checks in compliance with applicable Anti-Money Laundering and Combating Terrorist Financing laws and regulations;

Comply with any sanction or law enforcement requirements;

Keep Our Website/ app secure and to prevent fraud;

Send You non-marketing commercial communications;

Send You email notifications that You have specifically requested;

Send You marketing communications relating to Our Website/ app or of carefully selected third-parties which we think may be of interest to You, where this has been specifically agreed and consented to;

Provide third parties statistical information about Our users, without letting them identify any individual user from that information; and

For any other purpose that is permitted by any law, regulations, guidelines or relevant regulatory authorities.

Please be assured that we will ask for your consent before using your personal information for a purpose other than those that are set out in this Policy and in the terms in your agreement(s) with Us.

4- Disclosure of Data

We may disclose Your Data to any of Our employees, officers, insurers, legal advisors, financial advisors and auditors, technical advisors, agents, suppliers, members of Our group companies or subcontractors (including correspondent banks and other financial institutions) insofar as reasonably necessary for the purposes set out in this Policy after obtaining Your prior express consent and/or authorisation in order to ensure compliance with Article 70(c) of the Banking Law 114/2000, and Article 10 of the Personal Data Protection Law 6/2022, as amended from time to time.

We may, where required disclose Your Data to government and/or judicial bodies, banking regulators to whom we have an obligation to make disclosures under the requirements of any applicable law.

We may also disclose Your Data:

To the extent required or permitted to do so by the law;

In connection with any ongoing or prospective legal proceedings;

In order to establish, exercise or defend Our legal rights including providing Data to others for the purposes of fraud prevention and reducing credit risk;

To a purchaser or prospective purchaser of the Website/ app or part of the Website/ app in the event of a buyout, merger, divestiture, restructuring, reorganization, dissolution or sale or transfer of all of Our assets whether as a going concern or as part of bankruptcy, liquidation or similar proceedings, in which personal information held by Us about Our users is amongst the assets transferred;

To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that Data where, in Our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Data;

Subject to the above, We agree that We will safeguard, according to strict standards of confidentiality and security, any of Your related Data in accordance with the terms of this Policy and the terms of use. We place great importance on ensuring the security of Your Data. We regularly review and implement up-to-date technical and organisational security measures when processing your Data. Our employees are trained to handle Your Data securely and with utmost respect, failing which they may be subject to disciplinary action.

5- Third Party Websites

Our Website/ app includes hyperlinks to, and details of third party websites

We have no control over, and are not responsible for, the privacy policies and practices of third parties

6- Use of Cookies

Our Website/ app uses cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

We use the following types of cookies:

Persistent cookies that are essential to Us for enabling and operating Our Website/ app.

Performance cookies to collect anonymous information on the users of Our websites and apps to enable Us to improve the operation of Our Website/ app. For example, we utilize cookies to help Us understand how customers arrive at and browse or use Our websites, and highlight improvement areas such as navigation, internet banking experience and marketing. The Data stored by these cookies does not include personal details from which an individual’s identity can be established.

Functionality cookies to retain choices You make as Your screen name, email ID, telephone number, and other preferences in order to help You having to re-enter the information as You navigate through Our Website/ app.

Targeting or advertising cookies that help Us collect information on Your browsing habits, allowing Us to provide advertising relevant to You and Your interests. These cookies help Us retain information about the websites You have visited or and hyperlinks You have clicked. This information is shared with other parties such as advertisers on an anonymous basis. Your personally identifiable information such as Your name and address is not shared with such third parties. For example we use third party companies to provide You with more personalized advertisements when You visit certain third party websites.

Most browsers on Your tablet or smart phone will allow You to refuse the use of cookies, which You can choose to do.

7- Log files

We may use log files to capture Your activity on Our Website/ app. Data captured in such log files may include the types of content You view or engage with and the frequency or duration of Your activities

8- Your Right of Access to Information

You are entitled to know which Data we process about You including the source it is derived from, the purpose it is used and the recipients of Your Data. However, access to such Data can be limited by the law and regulations in Oman. For instance, You may not be able to obtain information as to whether We have registered any Data if it is in connection with the investigations We are obliged to make in accordance to the laws and regulations in Oman.

If the information that We have registered about You is incorrect, incomplete, irrelevant, misleading or not up-to-date, You may make a request to us to correct, update or delete the Data by notifying Us at the e-mail address given at the end of this Policy. We can assist You to access and correct Your Data.

Your consent to disclose the Data may at any time be terminated when You withdraw Your consent by submitting your request in relation to such termination in writing at one of our Bank’s branches.

9- Changes to Our Privacy Policy

We update Our Policy from time to time. If we make material changes to the Policy, we will post the updated Policy on this page and notify You of the same by way of an update on Your respective app or app store.

The effective date of this Policy is the “Last modified” date identified at the top of the page. You are responsible for periodically visiting this Policy to check for any changes.

10- Advertising or Marketing Materials

If you wish to receive marketing, advertising and promotional information from Us, please contact Us at [email protected]. However, if You do not wish to receive direct marketing communications from Us at any time, from Our individual entities and/or from Our strategic partners or merchants, please notify Us at the e-mail address given at the end of this Policy. Your latest written instructions to Us will prevail.

11- Contact Information/ Request for Data Access

To ask questions or comment of if You need further information on how we handle your Data or in relation to this Policy and Our privacy practices, contact Us at [email protected]

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