1. Introduction

INVESTBANK (“we,” “us,” or “our”) is committed to protecting your personal data and ensuring compliance with the Jordanian Personal Data Protection Law (PDPL). This Privacy Policy explains how we collect, use, store, and protect your information when you interact with our website and banking services.

We Value Your Privacy

Your privacy and security is very important to us. At INVESTBANK, we treat your personal information as private and confidential. We are dedicated to protecting your privacy and providing you with the highest level of security. This statement describes what personal information we collect, what we do with it, and how we protect it.

This Policy demonstrates INVESTBANK’s compliance with the Jordanian Personal Data Protection Law (24/2023), hereafter referred to as the Law. It also provides you with information on your privacy rights concerning your Personal Data and how you can exercise them.

Information We Collect

We may collect and process the following personal data about you:

• Personal Identifiers: Name, national ID, passport details, date of birth.
• Contact Information: Phone number, email address, postal address.
• Financial Information: Bank account details, transaction history, credit history.
• Technical Information: IP address, browser type, device information, cookies.
• Communication Records: Emails, chat history, call recordings for customer service.

How We Use Your Data

We use your personal data for the following purposes:

• To provide banking services and process transactions.
• To verify your identity and prevent fraud.
• To comply with legal and regulatory requirements.
• To improve our website, services, and customer experience.
• To communicate with you regarding products, services, and promotional offers (with your consent).

Legal Basis for Processing

We process your personal data based on:

• Your consent when required.
• Contractual necessity to provide banking services.
• Legal obligations to comply with regulatory requirements.
• Our legitimate interest in fraud prevention, security, and service improvement.

Who We Share Information With

We may share the information about you and your dealings with us, to the extent allowed by law, with:

• INVESTBANK Branches and Subsidiaries;
• Regulators;
• External Auditors;
• Third party service providers;
• Agents acting on behalf of INVESTBANK.

INVESTBANK staff, as well as third parties with permitted access to your information, are required to observe our confidentiality obligations.

Security of Your Personal Information

We take appropriate measures to keep your personal information that we hold about you secure and ensure that it is protected from loss, unauthorized access, misuse, modification, or disclosure.

Your personal information with us remains secure because of:

• The strict security measures and technologies we use to prevent fraud and to protect our systems from intrusion.
• Security controls and processes that are updated regularly to meet or exceed industry standards.
• Our employees are trained to respect the confidentiality of any personal information held by us.

Protecting Your Privacy

To help you in protecting your personal information, we recommend the following:

• Regularly check your account balance and bank statements and report promptly any discrepancies to your branch.
• Contact us immediately if you believe someone else may have access to your password, user ID, PIN, or other confidential information.
• Do not share confidential information via your phone or online unless you know or can verify the recipient.
• Ensure that your account records are properly disposed.
• Utilize a secure browser when conducting transactions online, close online applications when not in use, and ensure virus protection is regularly updated.

Clients can opt out of marketing messages by sending a secure mail through ibank application or ibank.jo on the web, after which the team will remove the client phone number from the messaging portal, and they will stop receiving marketing messages.

How We Use Your Information

Any personal information provided by you to INVESTBANK will be used for the purpose of providing and operating the products and services you have requested and for other related purposes which may include, updating and enhancing INVESTBANK records, understanding your financial needs, conducting credit checks, reviewing credit or loan eligibility, advising you of other products and services that may be of interest to you, for fraud prevention, debt collection purposes, and for purposes required by law or regulation.

Sending E-mails to INVESTBANK

When inquiring or requesting information about a specific product or service, or in case of volunteering information using any of INVESTBANK’s contacts, (e.g. General Inquiry form) we will use your e-mail address to reply, and we may store your e-mail address, your message, and our response for quality assurance purposes. We may also do this to meet our legal and regulatory requirements.

Maintaining Accurate Information

Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, account balances and transactions, and similar information, through various means, such as account statements, Phone Banking, and Internet Banking. If you discover inaccuracies in your personal information, please promptly notify the branch or office where you do business, so that we can make the necessary updates or changes.

7. Data Retention
   We retain personal data for as long as necessary to fulfill the purposes outlined in this policy and comply with legal obligations. When no longer required, data is securely deleted or anonymized.

8. Your Rights under the Jordanian PDPL
   You have the following rights regarding your personal data:

• Access: Request a copy of your personal data.
• Correction: Request corrections to inaccurate data.
• Deletion: Request deletion of your personal data under certain conditions.
• Objection: Object to processing based on legitimate interests.
• Withdrawal of Consent: Withdraw consent for processing when applicable.

To exercise your rights, please contact us using the details below.

9. Cookies and Tracking Technologies
   Our website uses cookies to improve user experience. You can manage cookie settings in your browser.
10. Updates to This Privacy Policy
    We may update this policy from time to time. Any changes will be posted on our website with the revised effective date.

11. Contact Us
    If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

[INVESTBANK]
Bldg #43, Abdul Hamid Sharaf Street, Shmeisani – Amman
Email: [email protected]
Phone: + 962 6 500 1500

Changes to This Statement

From time to time, it may be necessary for us to amend our Privacy Statement. The current version will be maintained on our Website.