This policy applies to information held about customers and possible future customers. By ‘information’ we mean personal and financial information about you that we collect, use, share and store.

We collect, use, share and store information about you to provide you with the services that you have requested from us and to share information with you about services that may be of interest to you. We will collect your information directly from you or from third parties.

These information can be collected through such examples:

• Applying for our products or services
• Using our branches
• Telephone services
• Websites or
• Online banking and mobile banking app in which we may gather information about you such as location, IP address, and information about the device.

The collected information is to provide you with the services you have requested or about services that may be of interest to you. This may also include:

• To help us create new and enhanced products and services
• For security purposes
• To communicate with you when required or to provide you information that may be interest to you
• To comply with legal and regulatory obligations
• Where we have a legitimate purpose in doing so, such as the protection of our business interests or the prevention of fraud andWhere we have a legitimate purpose in doing so, such as the protection of our business interests or the prevention of fraud and
• To keep you informed about products and services you hold with us and to send you information about products or services

We will keep your information confidential but we may share it in a secure manner in certain circumstances, for the purposes set out in this policy, with the following entities:

• Other companies who provide a service to you through us
• Any company we are providing services with or whose name or logo appears on our products
• Our service providers and agents, including their subcontractors
• Social media websites to present to you information about our products and services
• Credit reference agencies
• Regulatory and legal entities
• Kuwait Governmental Entities

You have rights relating to the way we use your information, and can make certain choices. For example, you can:

• Officially inform us of a correction to your personal data
• Request us to stop or start sending you marketing messages
• In following condition information can be disposed subject to legal and regulatory requirement:
  • When no longer required in relation to the purposed for which they are collected or otherwise processed
  • Or where a customer has withdrawn consent to delete them
• To discuss any issues relating to your information, please contact us via the methods set out in the 'Contact us' section.

You are obliged that all data and information you shared are correct, and you take the full responsibility for this, and the bank will not held responsible for those entered incorrect data.

All your information shall be kept in a secure manner complying with global best practices. Should you require to contact us, please refer to the contact us methods set out in the ‘Contact us’ section. Please remember for your own security, do not send us any personal or account information by standard email.

At KIB Aqari, we value your privacy and are dedicated to protecting your personal information. To provide you with a seamless and personalized experience, our application requires permissions on your device.

Tracking Transparency: Our application respects your privacy choices regarding tracking. We request permission to track your activity and display personalized ads or content based on your interests. We adhere to your tracking preferences set in your device settings and will not track your activity without your explicit consent.

Notifications: With your permission, we send push notifications to keep you updated about application features, promotions, or important information related to you. You have full control over your notification preferences and can modify them in the application settings or your device settings.

Camera: Our application may request access to your device's camera to enable you to take photos or videos within the application. This feature allows you to personalize your profile or share images of files with us. We do not access or use your camera without your explicit consent.

Read External Storage: We may require permission to access files stored on your external storage to enable you to upload and share files within the application. This access allows you to attach documents, images, or other files to your messages or posts. We respect your privacy, and we only access files you explicitly choose within the application.

Write External Storage: With your permission, our application may store downloaded files on your external storage.

Biometrics: We request permission to access biometric authentication features, such as fingerprint or facial recognition, on your device. This enables you to log in securely, verify your identity, or authorize specific actions within the app. Your biometric data is only used locally on your device and is not transmitted or stored on our servers.

All information we collect or access is stored securely and is protected against unauthorized access, loss, or alteration. We adhere to industry-standard security practices and regularly update our security measures to ensure your data is safeguarded.