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We are Emirates NBD Bank PJSC, part of the Emirates NBD Group. Our most important asset is you and your trust. We are committed to providing you with exceptional banking services and want you to have trust and confidence in the way we use your personal data.
This Privacy Notice describes how Emirates NBD Group may process your personal data including the data that you provide when you access and use:
This Privacy Notice explains what information we collect, why we collect it, who we share it with, how long we keep it for, and what rights you have in relation to that information. If you give us information about other people (such as your family or joint account holders) you confirm that they understand the information in this Privacy Notice about how we use it.
Your data privacy journey with us
We are the data controller in relation to your personal data. If you have any questions about how we use your information, you can contact us by using the Contact Us information at the end of this Privacy Notice.
When we collect personal data, we provide a safe, secure and confidential environment in all of our delivery Channels to ensure that your personal data remains private and used for the purposes for which it is held.
We have a legal obligation to keep your data confidential, except:
We collect data directly from you as our customer or prospective customer.
In certain circumstances we may collect information from you about individuals who do not have a direct relationship with us. This may happen, for instance, when you provide us with information about:
When you provide us with third party personal data (included but not limited to those listed above) you are responsible for ensuring that such third party has received this Privacy Notice and understands how we will use their personal data.
WHAT PERSONAL DATA DO WE COLLECT?
Personal data includes information that we collect and process about you depending on the products or services you obtain or receive. Typically, we process the following information:
You provide us with the following categories of information about yourself:
We automatically collect the following when you use our website or apps:
We also collect information about you from the following sources:
HOW DO WE USE YOUR PERSONAL DATA?
We may use the categories of personal data explained in the previous section as follows:
|How we use your personal data||Our legal basis for processing|
|To create your Emirates NBD bank account.
To identify you when you sign-in to your account.
To provide you with our services, and to fulfil your requests for certain products and services.
|To tell you about important updates and changes to our Channels, including to our Privacy Notice and other policies and terms.||Contract
|We use your biometric data for online identity verification.||Consent|
|To understand how you use and interact with our services and the people or things you're connected to and interested in.
To administer and improve the design and functionality of our Channels for a better customer experience.
To conduct profiling and automated decision-making to help us provide you with relevant information, suggestions and recommendations for products.
|To contact you if you have asked us to do so including to resolve troubleshooting problems and helping with any issues concerning our website or apps.||Contract
|To contact you for your opinions about our services including through surveys and other market research.||Consent
|To prevent and detect fraud, money laundering and other crimes (such as identity theft).||Legitimate interests
|To recover debt and exercise other rights we have under any agreement with you as well as to protect ourselves against harm to our rights and interests in property.||Contract
|To help you to check-in and find local events or offers in your area.||Consent
|To comply with laws and regulations that apply to us and to co-operate with regulators and law enforcement organisations.||Legal obligation
|To personalise the marketing messages we send to you so that they are more relevant and interesting.
When we advertise our products and services on the internet, we may share your information with our advertising partners where we think you may be interested in our offers. When we use social media for marketing purposes your information will be shared with any such platforms so that they can check if you hold an account with them. They may use your information to send our advertisements to you.
|To enhance your consumer experience, we may share your personal data for direct marketing purposes.||Consent|
|To establish, exercise or defend our legal rights or those of any other member of our Group.||Legitimate interest|
We need your personal data to provide you with the services or products requested by you.
After you submit an application form with us or become our customer, we have certain legal obligations to process your data. If you do not provide us with the requested personal data, we will be unable to comply with the legal or regulatory obligations and will not be able to offer our services to you.
It is voluntary for you to provide us your data or consent for sales or marketing purposes.
We make it clear on our application forms what data is required to be provided by you by marking the mandatory fields with the asterisk symbol (*).
You can object to further marketing at any time by:
Further details of how we will use your information can be found below.
The way we analyse personal data relating to our services may involve profiling or other automated methods to make decisions about you that relate to the following:
You may have a right to certain information about how we make these decisions. You may also have a right to request human intervention and to challenge the decision.Legal basis of data processing
WHO DO WE SHARE YOUR PERSONAL DATA WITH?
We may share your personal data with:
The disclosure of personal data to these parties is done with the utmost care and due diligence to ensure that the protection and privacy of your data is maintained.
WHERE DO WE STORE YOUR PERSONAL DATA?
We are headquartered in Dubai in the United Arab Emirates (UAE). We may transfer your personal data to other countries where we (or other companies within the Emirates NBD Group) or our service providers maintain operations.
When we do this, we'll ensure it has an appropriate level of protection and that the transfer is lawful. This includes relying on adequacy decisions issued by the relevant data protection authority and using standard contractual clauses for transfers of personal data. You can obtain more details of the protection given to your information when it is transferred by contacting us using the details below.
HOW DO WE PROTECT YOUR PERSONAL DATA?
The security and confidentiality of your personal data is important to us!
We use a range of measures to keep your personal data secure and protected against unlawful processing, accidental loss, destruction and damage.
When we use external service providers, we require them to provide the same standards of data protection as we do.
Protecting the safety of children when they use the Internet is important to us. Our websites and apps are intended for use only by persons who are at least 18 years of age. If you are under the age of 18, your parent or guardian must consent on your behalf where we ask for consent in relation to the use of your information.
Our website and apps may, from time to time, contain links to external sites. If you follow a link to any of these websites, please note that these websites have their own privacy policies. Please check these policies before you submit any personal data to these websites. We are not responsible for the privacy policies or the content of such sites.
HOW LONG DO WE KEEP YOUR PERSONAL DATA?
We do not keep your personal data for any period longer than is necessary for the purpose for which your personal data was collected, processed, required by law or where we may need it for our legitimate purposes such as maintaining records for analysis or audit purposes, responding to queries or complaints, monitoring fraud, defending or taking legal action and responding to requests from regulators.
If you opt out from receiving marketing communications or object to any other processing of your personal data, we may keep a record of your objection to ensure that we continue to respect your wishes and do not contact you further.
Your choices and rights
In certain circumstances, you have the right to:
If you wish to exercise any of these rights in relation to the personal data we hold about you or wish to change your preferences at any time, please contact us, using the details below.
We will ask you to verify your identity before allowing you to access your personal data.
UPDATES TO THIS NOTICE
Any changes we make to our Privacy Notice will be posted on this page and, in relation to substantive changes, will be notified to you by e-mail.
This policy was last updated on 10th November 2021
If have any questions about this Privacy Notice, please contact us:
What is our lawful basis for processing your personal data?
Technical information may include:
Information about your visit may include:
We may also collect any phone number you use to call our customer service team (including call metadata such as the date, time and length of a call) or the social media handle you use to connect with our customer service team. We may record calls for training and performance purposes to establish clear records and for legal reasons.
Location data will include specific geographic locations (such as GPS, Bluetooth and WiFi signals) which we use to provide location services (if you ask or permit us to) so that we can deliver content, advertising and other services that are dependent on knowing where you are. Location data may be collected in combination with your device ID so that we can recognise your mobile browser or device.
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