AJMAN BANK ONLINE BANKING SERVICES

PRIVACY POLICY

Ajman Bank (P.J. S.C.) is committed to providing the highest level of security and privacy regarding the collection and use of the Customer's personal information by Ajman Bank’s Online Banking Services. Personal information may be collected through the submission of Service requests, online banking Transactions or through the use of online financial tools such as interactive calculators. A detailed description of Ajman Bank's Online Banking Services Privacy Policy is provided below. If you have additional questions regarding the privacy and security of your personal information, please contact us on 800-22 at Ajman Bank, P.O.BOX 7770, ANF Tower, Khalifa Street, Ajman, U.A.E.

Respect of Right to Privacy

Ajman Bank maintains strict policies and security controls to ensure that Customer information contained in the systems and files is protected. Ajman Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our Bank that you receive through more traditional bank delivery channels. Ajman Bank is committed to ensuring the privacy of its Customers' personal information.

Collection and Use of Personal Information

The collection of personal information online is designed to protect access to your Accounts, to assist Ajman Bank in providing you with the products and services you want and need. All personal information collected and stored by Ajman Bank is used for specific business purposes to protect and administer your Accounts and Transactions, to comply with Federal Laws and banking regulations of the United Arab Emirates ("UAE"), and to help Ajman Bank better understand your financial needs in order to design or improve our products and services. Employing stringent security measures in the collection of your personal information, all Ajman Bank Service requests are submitted to the Bank's secure administration site of Ajman Bank. Once received by Ajman Bank, only the Bank's approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying, which employee(s) has accessed and in any way modified for example, updated or added to your personal information.

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by Ajman Bank from this Website from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with Ajman Bank’s prevailing information technology security policy. As per privacy protection and information security policy, Ajman Bank never requests its Customers to disclose the Account number, Credit Card information, User ID, Personal Identification Number (PIN), Telephone Identification Number (TIN), Login & Transaction Passwords or any such information through e-mails. Any e-mail or written communication received by the Customer, which appears to have been sent from Ajman Bank seeking Customer's personal & confidential information, should not be answered but advised to Ajman Bank.

Limited Employee Access to Personal Information

Ajman Bank limits its access to your personal information to only those employees who hold a business reason for having access to such information. Ajman Bank also educates all their employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved Ajman Bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

Third-Party Disclosure Restrictions

Ajman Bank follows strict privacy procedures in regard to protecting your personal information. In addition, Ajman Bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process Customer's Transactions; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or in conjunction with joint marketing agreements we have entered into. Ajman Bank does not provide Account or personal information to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Online Protection

Ajman Bank has taken all appropriate measures to protect your personal information provided by you to Ajman Bank and uses several security levels. Ajman Bank’s electronic and online security systems are described in the Ajman Bank prevailing electronic Services and security policy.

Cookies

Ajman Bank does use cookies with Customers who sign in to the Online Banking Services, to make access more appropriate and convenient. The cookies are generated once the Customer logs into the Online Banking Services and expires once the Customer logs out or at a definite time period to protect your privacy. Ajman Bank does not store any sensitive information such as Customer information in the cookies.

Intellectual Property Rights

You may reproduce this information in hard copy solely for your personal use. The information may not be reproduced, distributed or transmitted to any other person or incorporated in any way into another publication or other material. In relation to any information or materials which you submit to Ajman Bank using this Online Banking Service, you hereby grant Ajman Bank a worldwide royalty-free perpetual license of the copyright and Intellectual Property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law. You agree that Ajman Bank shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using these Online Banking Services unless agreed otherwise in a separate direct contract between you and Ajman Bank or required by law. You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual Terms and Conditions of particular products and services offered on or through these Online Banking Services.

Modification

Ajman Bank reserves the right in its discretion to change without prior warning or notice any information or material contained on the Online Banking Services and the Terms and Conditions under which the Services are used.