Cookie and Privacy Policies

This cookie policy of Arab Jordan Investment Bank (AJIB) outlines how our website uses cookies to enhance your browsing experience and provide efficient service. In this policy, “We,” “Us,” or “Our” refers to AJIB, its subsidiaries, or any legal entity operating under AJIB group that you may interact with, directly or indirectly, through our website.

“You” or “Your” means the end user and/or customer of the bank, any individual or legal entity, who accesses our website, receives information about the AJIB’s products/services and marketing activities, or engages in other activities through our website.

 For any inquiries regarding this policy, please contact us via email or submit a request through the “Contact Us” form on our website.

What is a Cookie?

A “Cookie” is a small data file downloaded on your computer or mobile, either temporarily or long-term, via your browser to a website (e.g., Internet Explorer™ or Google Chrome™).

When you return to our website, your browser sends back information from your previous visit. For instance, our website uses cookies to remember your chosen language and country, saving you time and providing a more personalized experience.

Our Website’s Use of Cookies

When you use our website to browse our products and services and view the information, several cookies are used by us and by third parties to allow the website to function, to collect useful information about visitors, and to enhance your user experience.

1. Strictly Necessary Cookies

These cookies are essential for our website to function properly. They enable basic features such as page navigation and access to secure areas of the website. Without these cookies, the website cannot function correctly. We do not ask for your consent to place these cookies on your computer or mobile.

2. Analytical and Advertising Cookies

These cookies collect data to help us understand how visitors interact with our website. They provide insights into areas such as the number of visitors and the pages they visit. This information is used to improve the website’s performance and to communicate with third parties, such as Google Analytics™, for advertising purposes. We ask for your consent before placing these cookies on your computer or mobile.

3. Functionality Cookies

Functionality cookies are used to enhance your browsing experience. They remember your preferences and selections, such as your chosen language and country, during recurring visits. These cookies ensure that you have a more personalized and efficient experience on our website. We ask for your consent before placing these cookies on your computer or mobile.

4. Targeting Cookies

Targeting cookies collect information about your behavior on our website. This data is used at an individual user level to advertise products and services based on the behavioral information collected. These cookies may collect personal data and are used to provide you with relevant advertisements. We ask for your consent before placing these cookies on your computer or mobile.

5. Third-Party Cookies

Our website may embed information from third parties, such as advertising networks and providers of external services like web traffic analysis. For example, Google Tags™ and Facebook Pixels™ are embedded on our website and function using third-party cookies. Depending on the type of cookies used by the relevant third party, the information these cookies collect may include personal data.

Third parties may access this information. We ask for your consent before these cookies are placed on your computer or mobile, ensuring that you have control over the data collected by third parties.

To learn more about how these third parties handle data obtained through the use of cookies, visit:

• FacebookPixels™:https://termsfeed.com/blog/privacy-policy-facebook-retargeting/
• GoogleTags™:https://policies.google.com/terms?hl=en#toc-services

Consent

By using our website, you agree to our use of cookies as described in this Policy. If you prefer not to accept cookies, you can disable them in your browser settings.  Please note that disabling cookies may affect the functionality and your experience of our website.
 

How to opt-out

You can adjust your browser settings to (i) disable cookies, or (ii) notify you when a website sets or accesses cookies. Please note that disabling or refusing all cookies (including essential cookies) may limit your use of some parts of the website and affect its performance.

Below are links to the ‘Help’ sections of some web browsers with instructions on how to change or block cookies:

• Internet Explorer™:  https://support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies
• Safari™: https://support.apple.com/kb/PH5042?locale=en_US
• Chrome™: https://support.google.com/accounts/answer/32050?co=GENIE.Platform%3DDesktop&hl=en
• Firefox™: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
   

Our Privacy Policy

Personal data, as defined in our Privacy Policy, may be collected by the cookies we use. These cookies and the data they collect are detailed in the Policy. Our Privacy Policy explains why we collect this data, how we use it, our legal basis for collection, and your rights under data protection law.

This Privacy Policy is intended to inform you of the importance of safeguarding the personal data you have provided to the Arab Jordan Investment Bank and to clarify how your personal data is collected, used, and protected, as well as to outline your rights relating to the privacy of your personal data. We emphasize that all personal data you provide to us is treated as private and confidential and is processed in full compliance with the Jordanian Personal Data Protection Law No. 24 of 2023 and the instructions issued by the Central Bank of Jordan concerning data processing by entities subject to its supervision, collectively referred to as the “Regulatory Requirements for Personal Data Protection.”

 

How Personal Data is Collected

Personal data is collected through one of the following methods:

• Directly: We collect your personal data directly from you, with your consent, in order to provide you with banking services or to process your transactions with the Bank, depending on the requested or agreed-upon services.
• Indirectly: We may collect your personal data from multiple sources, such as social media platforms, public sources, authorized governmental and official entities, and device identifiers, for the purpose of better understanding you and serving you more effectively, to achieve another legitimate interest, or to comply with a legal obligation.

Types of Data Processed by the Bank

We collect and process your personal data and information when you use or access any of our platforms, and continuously throughout your banking relationship with us. The information we collect or process includes identity-related details such as your name and contact information (including email address and mobile number), personal profile information (such as marital status, age, gender, occupation), and financial details such as income. This helps us verify your identity, ensure account security, and comply with applicable regulations. Additionally, we collect technical data such as your Internet Protocol (IP Address), browsing patterns, and cookie usage to enhance our services and personalize your experience.

Please refer to the Cookies Policy for further information regarding cookies and tracking technologies used.

Purposes and Scope of Processing Your Data

The Arab Jordan Investment Bank (AJIB) collects and processes your personal data for various purposes related to our banking services, products, and other legitimate business needs, including but not limited to:

• Obtaining banking products and services.
• Managing your accounts and your relationship with the Bank.
• Handling inquiries and complaints.
• Collecting any outstanding debts owed to the Bank.
• Providing you with information and updates related to your account.
• Marketing banking products and offers that may be of interest to you.
• Implementing measures to combat fraud and financial crimes.
• Providing you with all available electronic banking services.
• Complying with regulatory requirements and reporting obligations related to Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF).
• Supporting litigation or obtaining legal advice.
• Monitoring, recording, and analyzing any communications between you and the Bank.
• Sharing data with authorities, government bodies, credit reference agencies, regulators, and external authorities.
• Implementing technical and security precautionary measures related to cybersecurity.

Legal Bases for Processing Your Personal Data

We rely on the following legal bases when processing your personal data:

• Contractual Obligation: We process your personal data as necessary to enter into a contract with you and/or to perform a contract, or to take steps at your request prior to entering into a contract, such as when you submit an application for a housing loan or a personal loan.
• Compliance with Legal or Regulatory Requirements: We process your personal data to comply with applicable laws and regulations imposed by regulatory or judicial authorities. This includes anti–money laundering laws and regulations, compliance monitoring requirements, and anti-fraud regulations. For example, collecting “Know Your Customer” data, including income details, workplace address, and residential address, is required under anti–money laundering and counter-terrorism financing laws applicable to the Bank.
• Legitimate Interests: We process your personal data as necessary to pursue a legitimate interest, such as processing personal data to protect against cybersecurity risks, enhancing the Bank’s products and services, and profiling or analytics activities aimed at improving the suitability of products and services to customer preferences and needs. In line with the Central Bank of Jordan’s data protection regulations, whenever the Bank relies on legitimate interest as a basis for processing, it ensures that such interest does not compromise or override individuals’ rights and interests.
• Consent: In cases where the above-mentioned legal bases do not apply, we will process your personal data based on your consent. You have the right to withdraw such consent at any time by submitting a request to that effect. For further information, please refer to the section below titled “Your Rights Regarding Data Protection.”
   

Retention of Personal Data

The Bank retains your personal data for a period of no less than five years from the date of termination of the relationship or completion of the transaction, whichever is longer, for the following purposes:

• Compliance with applicable legal and regulatory requirements.
• Contributing to the detection and prevention of fraud and financial crimes.
• Responding to requests from regulatory or supervisory authorities.

Your data will be retained for only as long as necessary for these purposes, after which the Bank will securely delete or destroy it once it is no longer needed.

Data Sharing and Transfer

The Bank may, within the limits permitted by applicable laws and regulations, share your data and transaction information with the following parties:

• AJIB branches and subsidiaries for legitimate business purposes, including data backup operations or insurance requirements.
• Correspondent banks for executing financial transfers, providing trade services, and delivering any additional products or services you request.
• External auditors engaged to conduct audit procedures, who may request access to samples of the Bank’s data for the purposes of examination and verification.
• Third-party service providers, including cloud computing providers, to perform legitimate business operations in compliance with applicable laws, regulations, and guidelines.
• Entities involved in processing cards and digital payments, including international institutions, in accordance with the operating requirements of such services.
• Regulatory bodies, government authorities, financial crime enforcement agencies, and tax authorities, upon request and in accordance with applicable laws.
• Postal, delivery, and courier service providers, when necessary for delivering items such as bank cards.
• Specialized printing companies, including those responsible for printing cheque books.
• Credit reference agencies in compliance with relevant regulatory requirements.
• Law firms, attorneys, or legal consultants, when required to obtain necessary legal advice or services.
• Real estate valuation companies, where required, such as in cases involving mortgage transactions in favor of the Bank.
• Debt collection agencies engaged to recover outstanding and unpaid debts.
• Insurance companies for processing your health data as part of credit and financing procedures, subject to your prior consent to share such data with the insurance provider.
• Any other parties with whom your data is shared based on your explicit and prior consent.

Your Rights Regarding Data Protection

In accordance with applicable laws and regulations, and pursuant to the Personal Data Protection Law and the Regulation Governing Data Subject Rights, you are entitled to exercise the following rights regarding your personal data:

• The right to access your personal data and request information on how it is processed and the purposes for which it is used.
• The right to correct, amend, or update your personal data to ensure its accuracy and completeness.
• The right to object to the processing of your personal data or request that such processing be restricted within specific legal limits.
• The right to erase your personal data if it is processed for purposes other than those for which it was collected, or in a manner inconsistent with your original consent.
• The right to withdraw your consent at any time.
• The right to be informed of any breach, violation, or compromise of the security of your personal data that may result in significant harm.

Please be advised that the Bank will handle the above requests promptly and efficiently, taking into account that the Regulatory Requirements for Personal Data Protection require that responses be provided within fifteen (15) business days from the date of receipt of the request. We further note that, in certain circumstances, the response to your requests may be subject to specific limitations in accordance with the provisions of the law.

Data Security, Protection, and Confidentiality

The Bank undertakes to implement all appropriate technical and organizational measures to protect your personal data against loss, unauthorized use, or unauthorized alteration. The Bank ensures that access to your personal data is strictly limited to legally authorized personnel whose responsibilities require such access, and who are bound by obligations of confidentiality and compliance with the approved protection standards. With respect to the use of the Bank’s electronic services, the customer bears full responsibility for maintaining the confidentiality of their user ID and password and for ensuring that such information is not disclosed to any third party.

We also ensure that all external parties with whom we engage adhere to the same standards of confidentiality, data privacy, and security applied by the Bank. Furthermore, we are committed to regularly updating and testing our security systems, and we strictly limit access to your personal data to only those individuals who require such data solely for the purpose of providing you with the products, content, or services we offer.

In the event of any breach of the security of your personal data, the Bank will notify you within twenty-four (24) hours of discovering the breach and will provide you with the necessary measures and guidance to protect yourself and mitigate any potential impact. This is in line with the Bank’s commitment to protecting your data in accordance with the applicable laws and regulations, as well as your right to be informed of any violations or breaches affecting your personal data.

Amendments and Updates to the Privacy Policy

The Bank may update this Policy to reflect any changes in the manner in which your personal data is handled, in accordance with the requirements and laws governing the protection of personal data. Such amendments shall become effective immediately upon the publication of the updated notice on the Bank’s official website.

Administrative Penalties and Judicial Sanctions

Financial and/or administrative penalties shall be imposed on banks and other institutions that fail to comply with the Jordanian Personal Data Protection Law. Such penalties may include warnings, suspension, or partial or full revocation of the license, in addition to criminal penalties in certain cases, where the financial fine may reach up to ten thousand (10,000) Jordanian Dinars and shall be doubled in the event of recidivism. Violations may also give rise to civil claims for compensation for damages.

Submitting Complaints

If you have any complaints regarding the Bank’s processing of personal data or any violation of your data-related rights, please contact the Privacy and Personal Data Protection Office at:

Address: AJIB Tower, 200 Zahran Street, Amman, Jordan
P.O. Box: 8797, Amman 11121, Jordan
Email: AJIB.DPO@ajib.com
Phone: +962 6 560 7138

For matters specifically related to data protection, you may contact our Data Protection Officer (DPO) using the contact details provided above.

Please note that the Bank shall handle submitted complaints in accordance with the Regulatory Requirements for Personal Data Protection, which require that a response to the complaint be provided within ten (10) days from the day following the date of its submission. In the event that you are not satisfied with the final outcome of the complaint, you have the right to escalate the matter to the Personal Data Protection Council through the following link:

https://jordan.gov.jo/ar/custompages/onyourservice

Key Definitions

Data: Personal Data and Sensitive Personal Data.

Personal Data: Any data or information relating to a natural person that can identify them directly or indirectly, regardless of its source or form, including data related to their identity, personal status, or location.

Sensitive Personal Data: Any data or information relating to a natural person that directly or indirectly reveals their origin or ethnicity, political opinions or affiliations, religious beliefs, or any data related to their financial status, health, physical, mental, or genetic condition, biometric identifiers, or criminal record.

Processing: Any operation or set of operations performed by any means or method for the purpose of collecting, recording, copying, preserving, storing, organizing, refining, exploiting, using, sending, distributing, publishing, linking with other data, making available, transferring, displaying, anonymizing, encoding, destroying, restricting, erasing, modifying, describing, or disclosing data in any form.

Profiling: The automated processing of data to identify trends, preferences, choices, or behaviors of the data subject.

Cookies Policy

As Arab Jordan Investment Bank is committed to protecting the privacy of its users, and as cookies and tracking technologies are used to enhance the user experience and analyze usage, this Policy aims to clarify the types of such files, their purposes, and the method of managing them, noting that we may collect personal information through the use of “cookies.”

Cookies

Cookies are small text files that are stored on your device when you visit the Bank’s official website. These files contain information about your visit, such as language preferences and tracking of your activities on the website, in addition to other information used for analytical or advertising purposes.

Use of Cookies on Our Website

When you browse our website to view our products, services, or any information we make available, several types of cookies may be used by us and by third parties. These cookies allow the website to function, assist in collecting useful information about visitors, and help improve your overall user experience.

1. Essential Cookies
   
   These cookies are necessary for the proper functioning of our website. They enable core features such as page navigation and access to secure areas. Without these cookies, the website cannot operate correctly. Your consent is not required for placing these cookies on your computer or mobile device.
    
2. Analytical and Advertising Cookies
   
   These cookies collect data that helps us understand how visitors interact with our website and provide insights into specific areas, such as the number of visitors and the pages they view. This information is used to improve the performance of the website and to communicate with third parties, such as Google Analytics™, for advertising purposes. We will request your consent before placing these cookies on your computer or mobile device.
    

3. Functional Cookies
   
   This type of cookie is used to enhance your browsing experience by remembering your preferences and selections, such as the language and country you previously selected, during repeat visits. It also ensures that you receive a more personalized and efficient experience on our website. We will request your consent before placing these cookies on your computer or mobile device.
    

4. Targeting Cookies
   
   These cookies collect information about your behavior on our website. The collected information may be used to advertise products and services based on behavioral insights. These cookies may collect personal data to provide advertisements that are more relevant to your preferences. We will request your consent before placing these cookies on your computer or mobile device.
    

5. Third-Party Cookies
   
   Our website may include content provided by third parties, such as advertising networks or analytical service providers. For example, Google Tags and Facebook Pixels are used on our website and operate through third-party cookies. Depending on the type of cookies used by third parties, the collected information may include personal data.
    

Third parties may access this information. We will request your consent before placing these cookies on your computer or mobile device, ensuring that you remain in control of the data collected by third parties.

No cookies or tracking technologies will be used without obtaining your explicit and prior consent. Users may manage their cookie preferences at any time through the website settings or browser settings. Cookies may be disabled through the browser you are using. However, disabling cookies may prevent access to certain features on the website. Users can manage cookies through their browser settings and may delete cookies at any time without affecting the essential browsing experience of the website.

Arab Jordan Investment Bank further affirms its commitment to the principle of data minimization. Only the cookies that are strictly necessary to enhance the quality of our services and to ensure the effective delivery of our products are utilized.

This policy was prepared and amended on December 2025