Privacy Policy

Our Commitment to Customers’ Privacy

We value our customers’ relationship with us, and we know that respect for privacy is the very foundation of that relationship. Since our company was founded, we have built a reputation based on trust. Advances in technology have made safeguarding private information all the more important. In building customer loyalty, we promise to safeguard the information our customers share with us.

About this Privacy Notice

This notice answers some important questions about customer information. It describes our privacy policies including how we collect, use and safeguard customer information. It also explains how customers can direct us not to share certain types of information within our family of companies.

Who is covered by this Notice?

This notice applies to all of our current and former customers.

What kinds of information do we collect?

We collect the following types of information about our customers: • Income, marital status, age, ID and passport copies and other information from applications and other forms you complete • Transaction history, account balances and other information relating to your account with our affiliates • Credit histories and other information such as demographic information we receive from our affiliates and other third parties We call all of this information "Customer Information."

How do we use this information to customers’ benefit?

We use Customer Information to provide superior service and value, in other words, we Invest in Customer Loyalty. Sharing Customer Information can save time because our customers are not continually supplying our affiliates with the same information. It also allows the customers to get assistance through our telephone and digital customer service center.

How do we protect customer information?

Our employees have limited access to Customer Information. They have access only when it will help customers do business with us or help us do business with our customers. We maintain physical, electronic and procedural safeguards that comply with strict internal regulations to guard Customer Information.

Do we share information with outside companies?

We do not sell Customer Information to outside companies. We may provide Customer Information to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements. These companies are obligated to keep Customer Information confidential. We also share Customer Information with others when it is required by law.

Does the Customer have a choice about sharing this customer information?

Customers may call us at +971 4 377 9777 and someone will be able to answer questions about our privacy policy and customers may request not to share information at all. However, please note that we are permitted by law to share details and experiences such as account balances and transaction history within our family of companies.

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