Privacy Policy

Ajman Bank (“Ajman Bank”, “we”, “us”, or “our”) is committed to providing the highest level of protection regarding the processing of our customers’ personal data in accordance with the Consumer Protection Regulations and Standards issued by the Central Bank of the United Arab Emirates and the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (UAE PDPL), along with other applicable data protection and privacy principles.

This policy explains how Ajman Bank’s head office in the United Arab Emirates (UAE) and its UAE branches may collect, use, store, disclose, or otherwise process your personal data, including when you apply for or use one or more of our products or services, or when you access our website or digital channels (“Ajman Bank Website”).

It applies to you whenever you interact with Ajman Bank, whether as an individual customer or as a representative of a corporate or institutional customer, including former, current, and prospective customers.

Personal data comprises all information that Ajman Bank collects and processes about you that can identify you directly or indirectly, including information received from third parties and information collected through the use of the Ajman Bank Website, mobile application, cookies, or other similar tools and our electronic banking services.

More specifically, the personal data Ajman Bank collects or processes about you may include:

Identifying information	Including your name, date and place of birth, nationality, country of residence, country of tax domicile, passport number, Emirates ID, residency details, tax identification number, and photograph.
Our interactions with you	Including any records of phone calls, emails, or messages between you and Ajman Bank, and related details such as your phone number, time and date of communication, duration, and interaction type.
Identifiers Ajman Bank assigns to you	Such as your customer number, relationship number, account number, card number, or other internal identifiers assigned for banking and digital services.
Contact information	Including your address, telephone number, mobile number, and email address.
Family information	Including marital status and details of dependents where relevant, for example in connection with joint accounts, insurance, or benefit programs.
Financial information	Including details of your financial circumstances, income, liabilities, source of wealth, account details, payment and transaction history, and credit information obtained from authorized agencies or other financial institutions.
Professional information	Including details of your occupation, employer, education, and business interests where relevant to the product or service you use.
Website and digital banking technical data	Including your IP address, login details, browser type and version, time zone setting, device information, operating system, mobile app version, and other technical data used to access the Ajman Bank Website or mobile application.

Ajman Bank may process your personal data for the following purposes:

Purpose of Processing	Typical Personal Data Processed	Legal Basis for Processing
Processing applications for products and services, including eligibility assessment, identity verification, and credit/risk checks	Name, Emirates ID, passport details, contact information, financial details, employment information, income statements, credit history	Performance of a contract; Compliance with legal obligations; Legitimate interests
Providing and managing banking products and services (including online/mobile banking), executing payments, and fulfilling instructions	Account numbers, transaction records, card details, login credentials, contact details	Performance of a contract; Compliance with legal obligations
Monitoring and improving website, mobile application, and digital channels for security and performance	IP address, device ID, browser type, cookies, online activity logs	Legitimate interests; Consent (for cookies/analytics)
Establishing and maintaining customer relationships, including account setup and profile management	Identification data, contact details, demographic information, communication records	Performance of a contract; Legitimate interests
Conducting customer surveys and feedback analysis	Contact details, opinions, survey responses, service usage data	Consent; Legitimate interests
Developing and innovating banking products, digital features, and financial solutions	Demographic data, behavioral analytics, transaction trends	Legitimate interests
Preventing, detecting, and investigating financial crimes (AML/CFT, fraud, sanctions screening)	Identification data, financial transactions, KYC documents, sanction lists	Compliance with legal obligations; Legitimate interests
Complying with UAE laws, regulations, and directives (including regulatory and law enforcement requests)	All relevant personal data categories as required	Compliance with legal obligations
Managing and responding to customer inquiries, service requests, and complaints	Contact details, account information, communication records	Performance of a contract; Legitimate interests
Establishing, exercising, or defending legal rights and seeking professional advice	Identification data, contractual documents, case-related information	Legitimate interests; Compliance with legal obligations
Managing employee and vendor relationships, including onboarding and due diligence	Identification data, contact details, employment and contractual information, financial/banking data	Performance of a contract; Compliance with legal obligations
Operating security and surveillance systems for branches, ATMs, and data centers	CCTV footage, access logs, identification data	Legitimate interests; Compliance with legal obligations
Performing internal governance, audits, and risk assessments	Employee and customer records, transaction data, audit logs	Compliance with legal obligations; Legitimate interests

Consent

Ajman Bank processes your personal data to perform the banking contract(s) entered into with you as an individual customer or as a representative of a corporate customer, to comply with legal and regulatory obligations, and to provide you with suitable and high-quality products and services while managing operational and financial risks.

Ajman Bank also processes your personal data based on your consent. Personal data requested by Ajman Bank is usually necessary for the provision of a product or service to you, or for your use of the Ajman Bank website or digital banking services. If you choose not to provide the requested information, Ajman Bank may be unable to comply with its obligations or provide you with the requested products and services. When the provision of your personal data is required for delivering a service or product, Ajman Bank will inform you of this and of the potential consequences of not providing it.

For processing that is based on your consent, you have the right to withdraw that consent at any time (unless the personal data is required for our business operations or the continued provision of products and services to you). You can do this by contacting our Data Protection Unit(DPU) at: DPUnit@AjmanBank.ae

Personal Data from Other Sources

From time to time, Ajman Bank may collect personal data from third-party and external sources, including but not limited to:

The Al Etihad Credit Bureau (AECB) and other government authorized Credit Information Agencies for credit and financial history.
The Central Bank of the United Arab Emirates and other regulatory authorities.
Legal representatives, joint account holders, beneficiaries, nominated contact persons and people appointed to act on your behalf.
Other banks, financial institutions, and payment networks are involved in your transactions.
Employers or referees, where verification of employment or income is required.
Publicly available sources such as government databases or authorized records.
Vendors, business partners, or service providers supporting banking or compliance functions.

This information may include details related to your financial and non-financial affairs, such as your banking facilities, financial position, income, contact information, or other details necessary for due diligence, credit assessments, and compliance purposes.

Access to Personal Data

Your personal data processed by Ajman Bank will be kept confidential and will only be accessed on a need-to-know basis, or where disclosure is required by applicable laws, regulations, or court orders. Access may also be granted to Ajman Bank employees involved in providing, managing, or supporting the relevant products and services, and to authorized third parties who act on behalf of or support the Bank in its operations.

Ajman Bank may share your personal data with third parties such as:

Category of Third Party	Purpose of Sharing	Example / Deion
Service Providers and Vendors	To support banking operations through technology hosting, payment processing, system maintenance, back office, and call-center management.	Core banking system providers, payment processors, IT maintenance partners.
Other Financial Institutions, Payment Networks, and Correspondent Banks	To process, verify, and facilitate domestic and international transactions.	SWIFT network partners, correspondent banks, and card network operators (Visa/Mastercard).
Intermediaries, Brokers, Fund Managers, Debt Collection Agencies, and Business Partners	To manage investments, recover debts, or deliver co-branded financial and customer services.	Fund management firms, authorized debt collection agencies, insurance or investment partners.
Regulatory, Supervisory, and Credit Information Agencies; Governmental Authorities	To fulfill legal and regulatory obligations, reporting, and compliance requirements.	Central Bank of the UAE, Al Etihad Credit Bureau, law enforcement, and other government authorities.
Legal and Professional Advisers	To obtain legal, audit, or consulting services necessary to support the Bank’s compliance and governance obligations.	External auditors, legal counsel, and regulatory compliance consultants.

Ajman Bank may, from time to time, delegate certain functions or obligations to authorized third parties as deemed necessary for its operations. All such parties are required to adhere to strict confidentiality, data protection, and regulatory compliance obligations consistent with Ajman Bank’s internal policies and applicable laws.Ajman Bank does not disclose personal data to unauthorized third parties and takes all reasonable precautions to safeguard it against loss, misuse, or unauthorized access.

This Privacy Policy does not apply to external websites or online platforms linked to Ajman Bank’s website that are not operated or controlled by the Bank.

Retention of Personal Information

Your personal data is retained by Ajman Bank only for as long as necessary to fulfill the purposes for which it was collected and to meet applicable legal, regulatory, and operational requirements. Once the data is no longer required, it is securely deleted, anonymized, or otherwise disposed of in accordance with established data retention and disposal procedures.

At the end of these periods, your personal data will be securely deleted or archived in accordance with Ajman Bank’s record retention schedule and regulatory requirements.

Monitoring

To the extent permitted by law, Ajman Bank may record and monitor your communications with the Bank to ensure compliance with legal, regulatory, and internal policy obligations.
This may include the recording of telephone conversations, email interactions, or online communications conducted through Ajman Bank’s digital channels.

Security

The security and confidentiality of your personal data are of the highest importance to Ajman Bank. We employ industry-standard security measures such as encryption, access controls, and secure storage to protect your information from unauthorized access, loss, or misuse.

When using external service providers, Ajman Bank requires them to maintain equivalent security and confidentiality standards. Regardless of where your data is stored or transferred, the Bank takes all necessary steps to ensure your personal information remains protected and secure.

Cross-Border Data Transfers

Ajman Bank may transfer or allow access to personal data outside the United Arab Emirates when necessary, but not limited to,for Such transfers are made only to jurisdictions or entities that provide an adequate level of data protection and are bound by contractual commitments to uphold Ajman Bank’s privacy and security standards. The Bank takes all reasonable measures to ensure that personal data remains safeguarded throughout any international transfer or processing arrangement.

Your Rights

As an individual whose personal data is processed by Ajman Bank, you are entitled to exercise certain rights in relation to your personal information, including:

Right of Access – to obtain confirmation of whether the Bank processes your personal data and to receive a copy of such data.
Right to Rectification – to request correction of inaccurate or incomplete personal data.
Right to Erasure – to request deletion of personal data no longer necessary for the purposes for which it was collected or processed.
Right to Restriction of Processing – to request limitation on processing in certain circumstances, such as where accuracy is contested or processing is unlawful.
Right to Data Portability – to request transfer of your personal data to another financial institution or service provider, where technically feasible.
Right to Object – to object to the processing of your personal data on legitimate grounds, including processing for direct marketing purposes.

To exercise any of these rights, please complete and submit the request to dpunit@ajmanbank.aeAjman Bank will review and respond to all verified requests within applicable legal times and in accordance with regulatory requirements.

Use Of Artificial Intelligence and Automated Processing

Ajman Bank may use artificial intelligence and automated tools to enhance security, improve service delivery, support fraud monitoring, assist with eligibility assessments, and tailor your digital banking experience. All AI-related activities are carried out in line with applicable regulatory requirements and internal governance standards. Any decision that may have a legal or significant impact on you is always reviewed and confirmed by authorized Ajman Bank personnel.

Ajman Bank does not use AI systems for discriminatory or improper profiling.

Marketing and Communications

Ajman Bank may use your personal data to provide information about products, services, or offers that may be relevant to you. You may choose to stop receiving marketing communications at any time through the Bank’s available channels.

Ajman Bank does not share or sell personal data to third parties for their independent marketing activities, and all marketing practices follow applicable regulatory requirements and internal policies.

Ajman Bank maintains official pages and communication channels on social media platforms to interact with customers and the public. While the Bank may review and analyze content on such platforms to enhance its services and outreach, individuals are advised not to share confidential or sensitive personal data through these public channels.
Sensitive data includes, but is not limited to, account information, identification numbers, financial details, or any data revealing health, ethnicity, or other special categories.
Ajman Bank does not assume responsibility for any information posted on third-party social media sites that it does not operate or control. The Bank is responsible solely for personal data it lawfully collects and processes through its verified and managed platforms.

Contact Us

Ajman Bank is committed to maintaining the highest standards of integrity and transparency in the handling of personal data. If you have any questions regarding this Privacy Policy or the manner in which your personal data is collected, used, or shared, you may contact the Bank’s Data Protection Unit (DPU) using the details below:

Data Protection Officer
Ajman Bank
DPUnit@AjmanBank.ae
Ajman Bank - Main Branch

Al Ettehad Street, Next to Etisalat Building, Mushairef - Ajman

All requests relating to data subject rights, including access, correction, restriction, or withdrawal of consent, should be submitted through the channels indicated in this notice. The Bank will acknowledge and respond to such requests in accordance with applicable timelines and regulatory requirements.

Updates to this Privacy Notice

Ajman Bank reserves the right to review and amend this Privacy Policy from time to time to reflect changes in legal, regulatory, or operational requirements, or to align with evolving industry best practices.
Any material updates will be published on the Bank’s official website, and the effective date of the revision will be clearly indicated.

For more information about how Ajman Bank uses cookies and how you can manage them, please refer to our Cookie Policy