Privacy Policy
1. Introduction
This Privacy Policy describes how Amjaad Bank ("Amjaad Bank", "we", "us", or "our") collects, uses, discloses, and protects information when you use the Amjaad Bank mobile banking application (the "App"). By downloading, accessing, or using the App, you acknowledge that you have read and understood this Policy.
2. Information We Collect
- Personal Information: full name, national ID or passport number, date of birth, nationality, email address, and phone number.
- Account Information: account numbers, IBAN, card details, balances, statements, and beneficiary information.
- Device Information: device model, operating system and version, unique device identifiers, IP address, language, and app version.
- Transaction-Related Information: transfers, payments, bill payments, merchant details, timestamps, and transaction status.
- Location Information: approximate or precise location when required (for example, to detect unusual activity or to locate nearby ATMs and branches).
- Camera Data: images captured for identity verification, document scanning, or QR code payments.
- Contacts: access to contacts when you choose to add a beneficiary or initiate a transfer from your address book.
- Biometric Authentication Preference: your preference to enable fingerprint or facial recognition; biometric data is stored only on your device.
- Notification Tokens: push notification identifiers used to deliver alerts and security messages.
3. How We Use Information
- Authenticate users and secure account access.
- Provide account services and process financial transactions.
- Detect, prevent, and investigate fraud or unauthorized activity.
- Maintain the security and integrity of the App and our systems.
- Deliver customer support and respond to inquiries.
- Send service notifications, security alerts, and transactional messages.
- Comply with legal, regulatory, and supervisory obligations.
4. Permissions Used by the App
- Location: requested only when needed (e.g., fraud checks, finding branches/ATMs).
- Camera: used for identity verification, document scanning, and QR-based payments.
- Contacts: used only when you choose to select a beneficiary from your contacts.
- Biometrics: used to enable secure local sign-in if you opt in.
- Notifications: used to send transactional alerts and security messages.
You may revoke any permission at any time through your device settings.
5. Data Sharing
We do not sell your personal information to third parties. We may share information only with:
- Trusted service providers acting on our behalf under strict confidentiality.
- Regulatory authorities and supervisory bodies as required by applicable law.
- Payment networks, banking partners, and clearing systems necessary to execute transactions.
- Law enforcement or courts when legally compelled to do so.
6. Data Security
We apply industry-standard safeguards, including end-to-end encryption, secure communication channels (TLS), tokenization, secure key storage, and continuous monitoring. While no system is completely secure, we work continuously to protect your information.
7. Data Retention
We retain personal and transactional information for as long as your account is active and for additional periods required by applicable banking, anti-money-laundering, tax, and regulatory laws.
8. User Rights
Subject to applicable law, you may request to access, correct, update, or delete your personal information, object to certain processing, or withdraw consent where processing is based on consent. To exercise these rights, contact us at [Contact Email].
9. Children's Privacy
The App is not intended for individuals under the age of 18, and we do not knowingly collect information from children. If we learn that we have collected such information, we will delete it promptly.
10. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements. The updated version will be made available within the App and dated accordingly.
11. Contact Us
Amjaad Bank
[Company Address]
Email: [Contact Email]