BisB Mobile PRIVACY POLICY

It is Bahrain Islamic Bank (BisB)'s policy to respect your privacy regarding any information we may collect while operating our website, mobile app, interacting with us through our other physical or electronic channels. This Privacy Policy applies to Bahrain Islamic Bank (BisB) (hereinafter, "us", "we", or "BisB"). We respect your privacy and are committed to protecting personal data and information you may provide us through the channels. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our channels, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the channel and does not apply to our collection of information from other sources. This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our channels. Depending on your activities when visiting our channels, you may be required to agree to additional terms and conditions.

PERSONAL DATA COLLECTED

We gather various types of personal data directly from you and, occasionally, from third parties. Below, we’ve outlined the specific categories of personal information to help you understand what we retain:

Category	Details
CONTACTS LIST	Contacts
APP ACTIVITY	App interactions
IMAGE INFORMATION (PHOTOS AND VIDEOS)	Photos (Optional), Videos (Optional)
FILES AND DOCS	Files and Docs (Optional)
PERSONAL INFORMATION	Telephone number, Full name, Email address, User IDs, Address, Telephone number
DEVICE AND OTHER IDs	Device ID and Other IDs

CONTACTS LIST

Data collected, and for what purpose:

Contacts. for App Functionality. It is collected and processed ephemerally as it is required to fetch customer account list from benefit pay using mobile number during Fawri/Fawri+ transactions.

APP ACTIVITY

Data collected, and for what purpose:

App interactions for Analytics

IMAGE INFORMATION (PHOTOS AND VIDEOS)

Data collected, and for what purpose:

Photos (Optional) for Fraud prevention, security, and compliance, Account management
Videos (Optional) for Fraud prevention, security, and compliance, Account management

Our website and application may collect user images for the purpose of provide banking services. Please be aware that any images submitted to our platform may be stored on our servers for future use. The images are only used for internal purposes, such as providing services and verification. By submitting an image to our platform, you acknowledge and consent to our collection and storage of your image.

FILES AND DOCS

When the User uses BisB Mobile, files and docs are needed for (Optional) App functionality. Certain functions allow the user to upload files and docs which are needed as compliance requirements to provide various banking services.

All information sent to the BisB by users is entirely confidential and will only remain between the User and BisB, except in cases where a court order is intended to commit a crime.

PERSONAL INFORMATION

This information includes items specific to each User and can be used to identify BisB Mobile users uniquely. Examples include:

Data shared with third parties, and for what purpose:

Telephone number. for App functionality, Account management.

Data collected, and for what purpose:

Full name. for App functionality, Account management
Email address. for App functionality, Account management
User IDs for App functionality. for App functionality
Address. for App functionality, Account management
Telephone number. for App functionality, Account management

The User may be asked to enter some Information when using the website. The requested information will be used only when requested to enter that information or following this Privacy Policy.

DEVICE AND OTHER IDs

When the User uses BisB Mobile, their device ID and other IDs are saved to provide App functionality. It allows binding the login to user’s device to prevent fraud.

All information sent to the BisB by users is entirely confidential and will only remain between the User and BisB, except in cases where a court order is intended to commit a crime.

DATA RETENTION

We are committed to retaining your personal data only for the duration necessary to fulfill the purposes for which it was originally collected. Even if you decide to close your customer account, we must retain certain personal data to comply with legal and regulatory obligations. Additionally, this retention ensures that we can address any potential claims that may arise. Furthermore, we will retain relevant information to handle any queries you might have.

Rest assured that we will continue to safeguard your personal data securely. Your rights, as outlined in our privacy notice, remain in effect until all your personal data is safely deleted from our systems, following the completion of the regulatory retention period. Our data retention criteria include adherence to legal and regulatory requirements, retention for query resolution, and maintaining records during the period when legal claims may be brought forth.

SHARING OF PERSONAL INFORMATION

BisB may share your data and personal information with third parties, both within and outside the organization. These third parties include regulators, governmental bodies, vendors, contractors, agents, and others who have a legitimate need to access this information. Additionally, in order to provide certain services, we may transfer data containing your personal information beyond the borders of Bahrain.

UPDATE OR DELETE INFORMATION

The User can use the feedback form on the website or software to notify BisB of any updates, changes, or corrections to their previously collected information. In addition, upon user request, we will use our reasonable business efforts to remove user information from our databases; however, it may not be possible to completely delete user data due to support data or deleted records.

Delete e-banking app profile

You can submit a request to delete your e-banking profile and associated data and restrict your bank accounts by sending an email to privacy@bisb.com. If you want to close your bank account instead, then you can do so by visiting a BisB branch.

Manage app data

You can submit a request to delete specific data that we collected through our website or app without deleting your entire account. This data can include things like analytics and marketing information by sending an email to privacy@bisb.com.

MODIFICATIONS TO THIS PRIVACY POLICY

We reserve the right to modify or update the Privacy Policy at any time, and the continued use of the Services by the User is a sign of acceptance of these policies.

All content available through any of the BisB services, such as text, graphics, logos, button icons, images, video images, downloadable and copyable items, data, and all content produced by the BisB is part of the BisB property. Right. The use and publication of all available and available materials are the exclusive prerogatives of BisB, and any use without obtaining written permission reserves the right to prosecute BisB. In addition, the scripts and names of the services available through each of the services created by BisB and the registered trademarks are the exclusive property of BisB, and any use for commercial purposes is subject to legal prosecution.

Although most changes are likely to be minor, Bahrain Islamic Bank (BisB) may change its Privacy Policy from time to time, and in Bahrain Islamic Bank (BisB)'s sole discretion. Bahrain Islamic Bank (BisB) encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Website Visitors

Like most website operators, Bahrain Islamic Bank (BisB) collects non-personally identifiable information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Bahrain Islamic Bank (BisB)'s purpose in collecting non-personally identifiable information is to better understand how Bahrain Islamic Bank (BisB)'s visitors use its website. From time to time, Bahrain Islamic Bank (BisB) may release non-personally identifiable information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Gathering of Personal Data

Certain visitors to Bahrain Islamic Bank (BisB)'s websites choose to interact with Bahrain Islamic Bank (BisB) in ways that require Bahrain Islamic Bank (BisB) to gather personal data. The amount and type of information that Bahrain Islamic Bank (BisB) gathers depends on the nature of the interaction. For example, we ask visitors who sign up for services through our channels provide a username, email address, contact number, Card number or PIN, for validation and verification.

Biometrics

We allow customers to login to our mobile app through smartphone or device biometrics, as Trusted Devices, which can be either a device registered fingerprint or facial recognition. We do not store the actual biometric information, but depend on device stored validation to verify your identity. This feature is available if customers opt-in to enable it and is not enabled by default. Customers can view and delete Trusted Devices registered in their accounts through our E-Banking channels.

For new customers wishing to enroll through our mobile app and self-service devices, we require them to use their device camera’s or the installed cameras to capture photo’s of their national ID to retrieve data and information required to open an account as part of the Know Your Customer (KYC) process mandated by the Central Bank of Bahrain (CBB), through integration with the National Electronic Know Your Customer (eKYC) platform (Wathiq). To verify the user, we also take photos and videos and match them with the photos in the supplied IDs. Matching is performed automatically. A video recording is taken throughout the document capturing session to support the identification of potential fraud. The bank and its verification partner performs verifications and checks of new applications for quality and security purposes. In cases where mandatory information is not found in Wathiq, customers may be asked to provide their Driving License or/and Passport to retrieve information needed for regulatory purposes. The identity verification process could be triggered for services or transactions requiring advanced authentication or verification of user identity.

Protection of Personal Data

Bahrain Islamic Bank (BisB) will not rent or sell personal data and information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Bahrain Islamic Bank (BisB) discloses personal data only in response to a regulatory, court order or other governmental request, or when Bahrain Islamic Bank (BisB) believes in good faith that disclosure is reasonably necessary to protect the property or rights of Bahrain Islamic Bank (BisB), third parties or the public at large.

BisB will not disclose any personal data it collects about users to third parties except:

To the extent that it is required to do so by any applicable law or regulation;
Where there is a duty to the public to disclose;
Where BisB interests require disclosure;
At a user's request or with a user's consent;
To the extent that it is required to do so by any competent court, Central Bank of Bahrain or any other official authority.

Not with standing the above, BisB may disclose personal data about users to those who provide services to BisB or act as BisB's agents, to any person to whom BisB transfers or proposes to transfer any of its applicable rights or obligations and to licensed credit reference agencies or other organizations that help BisB and others make credit decisions and reduce the incidence of fraud or in the course of carrying out identity, fraud prevention or credit control checks. BisB may also transfer information collected and held about users to any country, including countries without data protection laws, for any of the purposes described in this part.

If you are a bank customer or registered user of https://www.ebisb.com and have supplied your email address, Bahrain Islamic Bank (BisB) may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Bahrain Islamic Bank (BisB) and our products. Bahrain Islamic Bank (BisB) takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of personal data. You may choose to stop receiving our marketing emails by following unsubscribe instructions included in the emails sent or you may contact us on privacy@bisb.com.

Customer Profiling

Customer profiling is the practice of analyzing and categorizing customer data to create a profile of their interests, preferences, and behavior. We may use customer profiling to improve our products and services, personalize your experience, and provide you with relevant offers and promotions. We may also share this information with third-party service providers who help us analyze and interpret customer data. Customer profiles are handled with utmost privacy similar to customer financial transaction data. We will use aggregated data and anonymized data where possible to protect your privacy. If you have any questions or concerns about our customer profiling practices, please contact us.

Your rights

Your principal rights under Personal Data Protection Law are:

the right to access - you can ask for copies of your personal data;
the right to rectification - you can ask us to rectify inaccurate personal data and to complete incomplete personal data;
the right to erasure - you can ask us to erase your personal data;
the right to restrict processing - you can ask use to restrict the processing of your personal data;
the right to object to processing - you can object to the processing of your personal data and direct marketing;
the right to complain to a supervisory authority - you can complain about our processing of your personal data; and
the right to withdraw consent - to the extent that the legal basis of our processing of your personal data is consent, you can withdraw that consent.

These rights are subject to certain limitations and exceptions. You can learn more about the rights of data subjects by visiting

https://www.pdp.gov.bh/en/regulations.html

You may exercise any of your rights in relation to your personal data by written notice to us or contacting us by submitting a letter to Complaints officer PO Box 5240 Manama, Bahrain. Or emailing privacy@bisb.com.

Links to External Sites

Our Service may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy and terms and conditions of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.

Mobile App Permissions

Our mobile app will request the below permissions to enable certain functionalities and services:

Camera: Used for regulatory Identity verification services for new and existing clients required to perform the Know Your Customer (KYC) process through the Electronic Know Your Customer (eKYC) platform (Wathiq).
Location: Used for locating branches and ATMs, and when regulatory Identity verification services for Know Your Customer (KYC) process for new and existing clients is invoked.
Microphone: Used for regulatory Identity verification services for Know Your Customer (KYC) process for new and existing clients through video calls.
Contacts: Used to enable sending payments through phone number, through integration with national BenefitPay service.
Notification: Used for sending app notifications and alerts.
Phone: Used to enable clients to call support numbers.
Image / Files: Used for submission of supporting documents for services.

Cookies

To enrich and perfect your online experience, Bahrain Islamic Bank (BisB) uses "Cookies", similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Bahrain Islamic Bank (BisB) uses cookies to help Bahrain Islamic Bank (BisB) identify and track visitors, their usage of https://www.ebisb.com, and their website access preferences. Bahrain Islamic Bank (BisB) visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Bahrain Islamic Bank (BisB)'s websites, with the drawback that certain features of Bahrain Islamic Bank (BisB)'s websites may not function properly without the aid of cookies.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Bahrain Islamic Bank (BisB)'s use of cookies.

Cookies used by our service providers

Our service providers use cookies and those cookies may be stored on your device when you visit our website.

We use Google Analytics. Google Analytics gathers information about the use of our website by means of cookies. The information gathered is used to create reports about the use of our website. You can find out more about Google's use of information by visiting https://www.google.com/policies/privacy/partners/ and you can review Google's privacy policy at https://policies.google.com/privacy.
We use Meta to Target Ads. This service uses cookies for Ad targeting. You can view the privacy policy of this service provider at https://www.facebook.com/about/privacy
We use Doubleclick / Google to Target Ads. This service uses cookies for Ad targeting. You can view the privacy policy of this service provider at https://policies.google.com/technologies/ads?hl=en-US

App Third Party Collection

Our mobile app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

Managing cookies

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

https://support.google.com/chrome/answer/95647 (Chrome);
https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
https://help.opera.com/en/latest/security-and-privacy/ (Opera);
https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on our website.

Business Transfers

If Bahrain Islamic Bank (BisB), or substantially all of its assets, were acquired, or in the unlikely event that Bahrain Islamic Bank (BisB) goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Bahrain Islamic Bank (BisB) may continue to use your personal information as set forth in this policy.

Contact Information

If you have any questions about this Privacy Policy, please contact us via privacy@bisb.com or phone by calling our contact center +973 17515151.