August 2026

Your privacy and the security of your Personal Data is very important to us. At Arab Bank Jordan, hereinafter referred to as the “Bank” or “we”, ensure that Personal Data you provided to us is always treated as private and confidential, afforded the highest level of security, and is processed in accordance with Jordanian Law Number 24 of 2023 - Personal Data Protection Law and Central Bank of Jordan (CBJ) Decision on Data Processing for entities under its control and supervision, hereafter referred to as the “Personal Data Protection Regulatory Requirements”. This Privacy Notice, hereinafter referred to as “Notice”, aims to provide you with information on how we will use your Personal Data, what steps we will take to ensure it stays private and secure and what Personal Data we collect and process about you as well as your data privacy rights and how you can exercise them.

How we collect your data

The Bank collects your data through one of the following methods:

Directly: we obtain Personal Data directly from you in order to receive a service from the Bank or transacting with the Bank, including without limitation, enter a business relationship, log a complaint, or for other purposes depending on the requested services or agreed upon.

Indirectly: we may obtain Personal Data about you indirectly from a variety of sources, including: Cookies, device ID's, social media, public sources, business partners, and recruitment services to better understand and serve you, satisfy a legal obligation, or in pursuance of another legitimate interest.

How we use your Personal Data

We collect your Personal Data for various reasons in relation to our services, products or interacting with us, and for other business purposes, including, but not limited to:

• to provide and manage your account(s) and our relationship with you.
• to give you statements and other information about your account or our relationship.
• to handle enquiries and complaints.
• to provide our services to you.
• to conduct assessment, testing, and analysis for statistical purposes or other analysis for market research purposes.
• to evaluate, develop, and improve our services to you and other customers.
• to protect our business interests and to develop our business strategies.
• to contact you, by post, phone, text, email and other digital methods.
• to collect any debts owing to us.
• to meet our regulatory compliance and reporting obligations in relation to protecting against financial crime.
• to assess any application you make.
• to monitor, record, and analyze any communications between you and us.
• to share your Personal Data with governmental authorities, credit reference agencies, fraud prevention agencies, and overseas regulators and authorities.
• to share your Personal Data with service providers and external auditors as clarified in section below (Who has access to your Personal Data and to whom it may be disclosed).
• recruitment and vetting agencies for prospective job applicants.  
• for purpose of litigation, consultation, legal advice or documentation of transactions.

If you fail to provide Personal Data

If you fail to provide Personal Data which we are legally required to collect from you, or under the terms of a contract we have with you, and you fail to provide such data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to subscribe or use a specific product or service). In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.  

On what legal grounds do we process your Personal Data

We rely on the following lawful reasons when we process your Personal Data:

• Contractual Basis: we process your Personal data as necessary for the entry and/or implementation of a contract with you, or for the conclusion of a contract at your request such as where you submit a request for a housing or car loan.

• Legal Obligation: we process your Personal Data as necessary to comply with a legal requirement from a regulatory or judicial authority. This includes Processing of your Personal Data to comply with laws and regulations we are subject to, such as anti-money laundering, regulatory compliance, and fraud prevention laws and regulations. For example, our collection of Know Your Customer (KYC) data including your income details, your work address, and residential address is needed under Anti-Money Laundering (AML) regulations that the Bank is subject to.
• Security Purposes: we process your Personal Data as necessary for security purposes such as CCTV / video surveillance.

• Legitimate Interests: we process your Personal Data as necessary to fulfil a legitimate interest such as Processing Personal Data as necessary to protect against cyber risks, enhance the Bank’s products and services, and profiling activities intended to ensure more customized and personalized products and services. In line with Central Bank of Jordan Regulation on Personal Data Protection, where the Bank uses the legitimate interest as a basis of Processing, the Bank ensures the legitimate interest perceived does not affect individuals’ rights and interests and does not override them.

• Consent: Where non of the above basis apply, we shall process you Personal Data based on your consent. You can submit a request to withdraw such consent – please refer to section below (What are your rights and how you can exercise them).

Please refer to the Annex at the end of the Notice (Personal Data Processing Matrix) for further details on how we use your Personal Data and the legal grounds for Processing.

Which Personal Data do we collect and process

The Personal Data we collect includes data provided by you at the start of our relationship or at any time thereafter such as:

 

 

• Personal details such as name, date of birth, email, nationality, marital status, and gender and contact information.
  
• Current residential address and permanent residential address, and proof of address documents.
• Data about your identity including documents, details of ID cards, details of passports.
  
• Employer, employment status, job title, full name, email, address and telephone number(s) used for work purposes.
  
• Financial data: income and source of income, source of wealth, average account financial activity, and engagement data.
  
• Data about your tax status such as overseas tax-identification number, FATCA forms, etc.
  
• Details of transactions done by you or by any of your connected persons including dates, amounts, currencies, and payer and payee details.
  
• Sound and visual images including CCTV footage.
  
• Digital identifiers (IP address, email).
  
• Cookies (please refer to our Cookie Notice).
  
• Risk rating information, e.g., credit risk rating and data about your ability to manage credit.
  
• Recruitment information and qualifications for prospective job applicants.
  
• Due diligence data, e.g., data required to comply with financial crime regulations (anti-money laundering, anti-terrorism financing, etc.) and data we need to fulfil regulatory obligations such as Suspicious Activity Reporting.
  
• Other individuals’ information, such as witnesses, family and household members, emergency contacts, and/or guardians, which include their signatures, addresses and relationship with you.
  
• Legal dispute, complaints, and grievance information.
  
• Agreements, contracts, billing and commissions information.
  
• Security Information.
  
• Data about your geographic location, ATMs used, and branches you visit.
  
• Data collected for credit assessment purposes, including information related to your credit history, credit scores, repayment behavior, and any data received from credit agencies.

Automated Decision Making

As part of the evaluation and approval process for instant loans and credit card applications submitted on Arabi Mobile, automated decision-making tools are used to assess your eligibility for such applications based on pre-defined criteria and risk models without human intervention. Please note the pre-defined eligibility criteria and risk models are tested and monitored to ensure ongoing accuracy and fairness to customers.

Please contact the Data Protection Officer (DPO) at Privacy.Office@Arabbank.com.jo if you require your application to be processed via a manual process in lieu of the automated process.

Data Storage, Hosting Locations and Data Purging Methods

Arab Bank stores and processes Personal Data using secure infrastructure located in two countries; Jordan and the United Arab Emirates. This is necessary for alignment with disaster recovery and business continuity requirements. Data backup operations are performed periodically using dedicated systems to preserve data across computer workstations and servers. All storage methods and hosting arrangements are subject to application of technical and organizational safeguards. Data is retained only for the periods necessary to fulfill the purposes for which it was collected or as required by law, after which it is securely deleted, for more information on data retention practices please refer to section (How long do we keep your Personal Data).

Copies of Personal Data also reside on employees assigned computing devices strictly in accordance with their operational duties, subject to the implementation of robust Data Loss Prevention (DLP) and information security controls.

Data Hosting Methods

On-Premise / Proprietary Data Centers: Traditional banking records (core ledgers, account balances, and encryption keys) are hosted in the Bank’s own highly secure, physically isolated, and monitored data centers.

Third-Party Hosting: We rely on service providers who may store the Personal Data in data centers outside Jordan and / or using cloud hosting services while ensuring appropriate security and regulatory safeguards in place. Each organization is required to safeguard Personal Data in accordance with our contractual obligations. This includes data sharing and the related data hosting by entities involved in cards and digital payments Processing including entities outside Jordan such as VISA and AFS, external auditors, and entities providing courier and postal services. Please refer to the section “Who has access to your Personal Data and to whom it may be disclosed” for further details. 

Additionally, when support channels are accessed via WhatsApp, communication is managed through InfoBip. Information provided during these interactions are processed by InfoBip to facilitate and document customer support. InfoBip is a global communications technology company, while noting InfoBip stores the data on cloud infrastructure. Communications through WhatsApp are governed by WhatsApp’s own privacy policy and data protection practices, which are outside the control of Arab Bank. Similarly, data shared through InfoBip is subject to InfoBip’s privacy controls and policies. Users are encouraged to review both WhatsApp’s privacy policy (https://www.whatsapp.com/legal/privacy-policy) and InfoBip’s privacy policy (https://www.infobip.com/privacy) prior to using these support channels. 

Please avoid sharing Personal Data including financial data on Whatapp since the Whatapp channel aims to address general Questions and Answers (QA) only, and is not a formal communication channel with Arab Bank.  

How long do we keep your Personal Data

We retain your Personal Data to provide our services, stay in contact with you and to comply with applicable laws, regulations, and professional obligations, which we are subject to. This includes regulatory requirements for record retention applicable to banks, for example, customer identification Personal Data such as your ID, personal and work details, need to be retained for 5 years as of the termination of the relationship. Sometimes we may need to keep your information for longer. The reasons for this include:

• where we need the information to meet regulatory or legal requirements.
• to help detect or prevent fraud and financial crime.
• to answer requests from regulators.

Processing Sensitive Personal Data

Personal Data Protection Regulatory Requirements define Sensitive Personal Data as any data that, directly or indirectly, indicates the individual’s origin, race, political opinions, religious beliefs, financial status, health, physical or mental condition, genetic data, biometric data, or criminal record. Biometric data refers to unique characteristics, either physical (like fingerprints, DNA, iris patterns) or behavioral (like voice patterns), that are processed by specific technologies to uniquely identify or verify an individual.  The Bank ensures there is a lawful basis for Processing of Sensitive Personal Data. For example:

• Biometric Data: The Bank shall process your finger vein where you decide to use your finger vein as an authentication method for the Bank such as where you wish to make cash withdrawals from your account(s) or conduct other transactions that require validation. Note that selfie photos are also considered biometric data when used to identify or validate the identify of an individual. As such, the Bank processes your selfie photo (biometric data) as part of authentication when you use the Bank’s digital apps.
• Health Data: we process your health data as part of procedures for granting loans and financial facilities. However, this is conducted following your consent including on the sharing of this data with the insurance company.
• Financial Status data: the Bank processes financial status data (for individual customers as well as individuals representing our corporate customers such as authorized signatories, general managers) which is in alignment with Know Your Customer Regulations that the Bank is subject to. The Bank also collects information on individual guarantors of corporate customers as part of corporate customer credit assessment report. This information is directly shared by guarantors.

Marketing

 

The Bank may send you marketing messages about our products and services. You have the right to opt-in or out of receiving marketing messages by us at any time. You can also object to your Personal Data being used for marketing purposes at any time by calling our Call Center, sending a secure mail via Arabi Mobile, or visiting our Branch.

Please note you can also turn off direct marketing push notifications that you receive on Arabi Mobile by amending the notifications settings on the app.

How we protect and safeguard your Personal Data

 

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your Personal Data. We aim to ensure that access to your Personal Data is limited only to those who need to access it, and those individuals who have access to the Personal Data are required to maintain the confidentiality of such Personal Data.

If you are using online services from the Bank, you remain responsible for keeping your user ID and password confidential.

 

Who has access to your Personal Data and to whom it may be disclosed

 

We keep your Personal Data confidential. However, in order to service your needs to the best of our ability, we may share your Personal Data with other parties bound via contractual agreements to safeguard your Personal Data and only process it under our strict instructions. We may also transfer your Personal Data to other Arab Bank Group members and third-party organizations outside of the Hashemite Kingdom of Jordan when we have a business reason to engage Arab Bank Group members or third-party organizations. Each organization is required to safeguard Personal Data in accordance with our contractual obligations.

In essence, we may share the Personal Data about you and your dealings with us, to the extent allowed by Personal Data Protection Regulatory Requirements, with: 

• The Bank’s Branches and Subsidiaries for legitimate business purposes such as data backup processes or for insurance purposes.
• Correspondent banks such as, as part of funds transfers, trade services, and other services and products you may request from the Bank.
• Entities involved in cards and digital payments processing including entities outside Jordan such as VISA and AFS.
• Other Third - Party Service Providers including cloud service providers for legitimate business purposes and in line with applicable laws and regulations.
• External Auditors which need to conduct audits of the Bank per applicable laws and regulations and may request sample Bank data for validation and testing purposes.
• Regulatory authorities, governmental bodies, financial crime prevention agencies, courts, Social Security Department, and tax authorities.
• Courier and postal services as necessary to make deliveries such as for requested Bank cards.
• Printing companies such as cheque printing companies.
• Credit reference organizations.
• Law firms, lawyers, or professional advisors where we need to revert to such legal advisors.
• Real Estate Assets Evaluation firms where needed such as were you mortgage a property for the benefit of the Bank.
• Debit collection firms when we revert to such service providers for the collection of outstanding debts.
• Other parties with which you have agreed to share your Personal Data with.
• Jordan Payments and Clearing Company, a domestic payment system operator, which provides ID API (Identification Document Application Programming Interface) verifications.  

Please refer to Data Protection Officer at Privacy.Office@Arabbank.com.jo for further details and contact details of such third parties as well as their respective Privacy Notices (where applicable).

What are your rights and how you can exercise them

You may exercise the following rights concerning your Personal Data:

 

• Right to access your Personal Data within the custody of the Bank.
• Right to be notified of processing.
• Right to withdraw prior consent you have provided for the Processing of your Personal Data.
• Right to rectify, modify, or update your Personal Data.
• Right to limit processing for a specified purpose.
• Right to erase your Personal Data or to restrict the Processing of your Personal Data.
• Right to object to Processing and Profiling if they are not necessary to achieve or outweigh the purposes for which the Personal Data was collected, or if they are discriminatory, unfair, or violate the law.
• Right to Personal Data portability in some circumstances, where you have provided Personal Data to us, you can ask us to transmit that Personal Data (in a structured, commonly used, and machine-readable format) directly to another company if technically feasible.
• Right to be notified of inaccurate disclosure and breaches or your Personal Data. Note that in the event of a breach of your Personal Data security and safety that could cause significant harm to you, the Bank shall notify you within (24) hours from the discovery of the breach and provide you with necessary measures to avoid any consequences resulting from the breach. This is in compliance with the Personal Data Protection Regulatory Requirements.

To submit a request to exercise any of these rights, please send an email to our Data Protection Officer (DPO) at Privacy.Office@Arabbank.com.jo.  We have appointed a designated DPO – also referred to under the Personal Data Protection Law 24/2023 as the Data Protection Supervisor - who is responsible for overseeing inquiries related to this Privacy Notice. The DPO undertakes responsibilities to verify compliance with the Personal Data Protection controls, requirements, procedures and rules across the Bank. The DPO is also registered with the Central Bank of Jordan as the Data Protection Supervisor per regulatory requirements.

Handling Requests

Please note the Bank shall act promptly on received requests while noting per Personal Data Protection Regulatory Requirements, replies are to be provided within (15) Business days from the date of receipt.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your Personal Data (or to exercise any of your other rights). This is a security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Upon receiving a valid request, we will:

• Verify the requester’s identity
• Record and track the request

If you exercise your right to erasure, rectification or limit of Processing, we will communicate this with the applicable Personal Data recipients to ensure your requests are executed as applicable.

Please note that our fulfillment to your requests may be subject to limitations, in certain circumstances, in accordance with the Law. For example, a request to erase your Personal Data in the custody of the Bank may not apply where we are required to retain this data under regulatory requirements on data retention.

In essence, we may not be able to fully or partially fulfill certain requests when doing so would:

• Conflict with applicable laws or regulatory requirements
• Affect the integrity of identity-related or beneficial ownership information
• Impact the accuracy of credit reporting
• Conflict with AML/CFT obligations
• Compromise the security or integrity of banking operations

If we are unable to take action in response to your requests to exercise your rights, we will inform you along with the reasons for our inability to take action.

Personal Data Breaches:

Whilst we take measures to secure your Personal Data and we have a robust incident response plan in place, risks to data security do exist, and there is always a possibility of unauthorized use, disclosure, modification and/or destruction of your Personal Data. In the event of a data breach, our robust data incident management process will be triggered and our incident management response team will be assembled. The incident will be assessed to identify whether a data breach has in fact occurred. Upon confirmation of an actual data breach, there are stringent protocols that we follow to ensure the efficient management of data breaches and compliance with our legal requirements. Our internal protocols enable the immediate containment, investigation and remediation of data breach through the implementation of corrective and preventative measures and an assessment of any regulatory reporting and disclosure requirements. As noted under the section “What are your rights and how you can exercise them”, in the event of a breach of your Personal Data that could cause serious harm to you, we shall notify you within (24) hours from the discovery of the breach and provide you with necessary measures to avoid any consequences resulting from the breach. 

If you wish to report a data breach or would like further information on how we respond to and handle data breaches, please contact our DPO at: Privacy.Office@Arabbank.com.jo

To submit a request to exercise any of these rights, please send an email to Privacy.Office@Arabbank.com.jo

Contact information

ARAB BANK PLC, Jordan, Shmeisani, Shaker Bin Zaid Street, P.O. Box 950545, Amman 11195 Jordan

For More Information

Should you have any questions regarding this Notice or want to learn more about our security practices, please read our Security Statement section posted on the website (Click to view the security-statement), or contact us at: Privacy.Office@Arabbank.com.jo

Inquiries and Complaints:

If you have any inquiries regarding the Privacy Notice, including any requests to exercise your rights, or if you have any complaints on the Bank Personal Data Processing, please contact the DPO using: Privacy.Office@Arabbank.com.jo. 

Please note the Bank shall act promptly on received requests while noting per Personal Data Protection Regulatory Requirements, replies are to be provided within (10) days from the date of receipt.

You also have the right to share your concerns to the Personal Data Protection Council established per the Personal Data Protection Regulatory Requirements. Click to view the Personal Data Protection Council contact details.

Arab Bank Supplier Privacy Notice

Arab Bank also maintains a dedicated Supplier Privacy Notice which aims to clarify how we collect, use, store, share, and protect Personal Data of individuals who are officers, directors, contractors, agents, or representatives of our current, prospective, and former Suppliers. Click to view Notice.

Changes to this Notice

We reserve the right to update this Notice to reflect changes to our practices in alignment with the Personal Data Protection Regulatory Requirements.  Any updates will become effective immediately after posting the updated Notice on our website. In the event of any material changes to this Privacy Notice, we will notify you via our approved communication channels. We encourage you to review this Notice periodically.

Key Definitions:

Personal Data: any information relating to an identified / identifiable individual, whether it relates to his or her private, professional, or public life such as the Identification Document number or address.

Processing: any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

Profiling: any form of automated Processing of Personal Data evaluating the personal aspects relating to a natural person, in particular to analyze or predict aspects concerning by way of example the individual’s economic situation, personal preferences or interests, behavior, location or movements.

Sensitive Personal Data:  any data or information that directly or indirectly indicates the individual’s origin, race, political opinions, religious beliefs, financial status, health, physical or mental condition, genetic data, biometric data, or criminal record.

Know Your Customer or KYC: means mandatory requirements to ensure updated information about our customers, to perform identity verification and prevention of illegal transactions through the business relationship with Arab Bank in compliance with Central Bank of Jordan KYC requirements.

Annex (Personal Data Processing Matrix)

 
Revision History