Cookie Policy
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.
Privacy Policy
This Privacy Policy explains the information we collect from you when you use our website. We are legally required to inform you about our identity, the reasons and methods for collecting your data, and your rights regarding your data.
In this policy the following terms mean:
“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.
Personal Data: Data or information related to a natural person that can identify them, either directly or indirectly, regardless of its source or form, including information related to their identity, family status, or locations.
Processing: any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.
Contact Information
For more information or any inquiries regarding this policy, please contact us via email or submit a request through the “Contact Us” form on our website.
For any queries, comments, or requests regarding the processing of your Personal Data, please contact us at:
Address: AJIB Tower – 200 – Zahran Street, Amman, Jordan
P.O. Box: 8797, Amman 11121, Jordan
Email: AJIB.DPO@ajib.com
Phone: +962 (6) 5607138
For matters specifically related to data protection, you can also reach out to our Data Protection Officer at the same contact details provided above.
Data We Collect
We collect personal data and information about you, when you use or access our platforms, and on an ongoing basis while you bank with us.
The information we collect, or process includes information about your identity, such as your name and contact details (including your email address and mobile number), information about your personal circumstances (e.g. marital status, age, gender and occupation) along with financial details such as income. This helps us verify your identity, ensure account security and comply with regulations. Additionally, we gather data like your IP address, browsing patterns and use cookies to improve our services and customize your experience.
Legal Basis for Processing
We will only process your data where we have your consent or is considered a legitimate part of our business operations as a banking financial institution or is in alignment with applicable regulatory requirements.
We process your data for various reasons in relation to our services, products or interacting with us, and for other business purposes, including, but not limited to:
- Delivering our products and services
- Processing your instructions
- Managing our relationship with you
- Supporting our banking operations
- Preventing or detecting crimes, including fraud and financial crimes (e.g., terrorist financing and human trafficking)
- Ensuring security, business continuity, and risk management
- Providing online banking, mobile apps, and other online product platforms
- Improving our products and services
- Complying with our legal and regulatory obligations and requirements
- Performing system or product development and planning, audit, and administrative purposes
- Marketing our products, services, and offers that may be of interest to you
- Monitor, record, and analyze any communications between you and us.
- Share your Personal Data with governmental authorities, credit reference agencies, fraud prevention agencies, and overseas regulators and authorities.
- Share your Personal Data with our partners and service providers and external auditors.
Access and Disclosure of Your Personal Data
We keep your Personal Data confidential. However, to service your needs to the best of our ability, we may share your Personal Data with other parties bound via contractual agreements to safeguard your Personal Data and only process it under our strict instructions. We may share the Personal Data about you and your dealings with us, to the extent allowed by law, with:
- Our Bank Branches and Subsidiaries.
- Agents, sub-contractors or service providers who perform for or on behalf of AJIB.
- Any person you have elect to have a connection to your banking relationship with us where it’s by power of attorney, person who guarantee you against your financial obligations or joint account holder.
- People you make payments to and receive payments from.
- External Auditors, Correspondent and agent banks, clearing houses, clearing or settlement systems.
- Other financial institutions, tax authorities, credit reference agencies, payment service providers and debt recovery agents.
- Law firms, lawyers, or professional advisors.
- Any person whether legal or natural where required in connection with potential or actual corporate restructuring, merger, acquisition or takeover, including any transfer or potential transfer of any of our rights or duties under our agreement with you.
- Law enforcement, government, courts, dispute resolution bodies, regulators, auditors and any party appointed or requested by our regulators to carry out investigations or audits of our activities.
- Fraud prevention agencies who will also use it to detect and prevent fraud and other financial crime and to verify your identity.
- Card processing supplier(s) to carry out credit, fraud and risk checks, process your payments, issue and manage your card.
- Other parties with which you have agreed to share your Personal Data with.
Data Protection
We take your privacy and data security very seriously at AJIB. We use a variety of technical, physical, and organizational measures to keep your Personal Data safe from loss, misuse, unauthorized access, accidental disclosure, alteration, and destruction during storage, processing, and transmission.
We also ensure that any third parties we work with follow the same high standards of confidentiality, data privacy, and security. We regularly update and test our security systems and limit access to your personal data to only those who need it to provide you with our products, content, or services.
You remain responsible for keeping your user ID and password confidential, when you are using online services from the Bank.
Data Retention Period
We will keep your data for at least 5 years after the end of our banking relationship, or longer if required by law. This helps us comply with legal and regulatory requirements and protects against potential risks. We only retain data as long as necessary to meet these obligations.
Data Subject Rights
You have several rights regarding your personal data:
- Access: You can access your personal data and request information on how it is processed.
- Rectification: You can request corrections to your personal data.
- Erasure: You can request the deletion of your personal data in certain circumstances (right to be forgotten), unless we are legally required to retain it.
- Portability: You can request your personal data in a commonly used, machine-readable format and ask us to transmit it to a third party.
- Notification of Breach: You will be notified in case of a data breach that poses a high risk to your rights and freedoms.
Additionally, you have the right to:
- Restriction or Objection: You can object to or request restrictions on the processing of your personal data.
- Withdraw Consent: You can withdraw your consent at any time.
Data Subject Requests
To exercise any of your rights mentioned in this Privacy Policy, you can submit a request to the contact information mentioned earlier in this policy.
Right to Lodge a Complaint
If you have any complaints regarding alleged breaches of Data Protection Regulations, you can file them with the relevant authority.
Changes to This Policy
We reserve the right to update this policy to reflect changes to our practices in alignment with the Law. Any updates will become effective immediately after posting the updated policy on our website.