About this Privacy Policy Statement

At  Arab Bank Australia Limited (Arab Bank Australia), we understand and appreciate that you may be concerned about your privacy and about the confidentiality and security of information we may gain about you. We are committed to protecting your privacy and to complying with the National Privacy Principles.

Please read this statement to understand how your personal information is collected, used, protected and recorded by us.

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Information Collected

The type of information which we collect about you will depend on how you use the facilities offered by Arab Bank Australia and which products or services you use. Specific details on each product and service are detailed within our Product Disclosure Statement which is provided to you at the time you request those products and services. For example, we may collect information when you open an account, complete an application, or deal with us over the telephone.

Depending on the transaction authorised by you, we may collect personal information about you including your name, address, contact phone number, financial details and tax file number.

We may also collect your personal information through monitoring or recording conversations to protect you in your dealings with the organisation and to provide a record in the event of a dispute about the transaction.

The National Privacy Principles place restrictions on collecting sensitive personal information about you such as your ethnicity, political opinions, criminal records, personal health information, religious views or sexual preferences. Generally we will not collect this sort of information. However we may collect some sensitive information if you are applying for employment with Arab Bank Australia.

Generally, we collect information directly from you. However, in certain circumstances we may collect information from third parties. For example, if we consider it relevant to assess your application for credit, we are allowed to get reports from a credit reporting agency or other business that provides information about your credit worthiness. Other examples include government agencies and publicly available sources of information.

If you visit the Arab Bank Australia web site to browse or download information, the web server will record the date and time of your visit to our site, the pages viewed and the information downloaded. We generally use this information for statistical purposes.

Any information that you enter on to an online application form (for example, contact details, Tax File Number and financial information) will only be collected by us if you submit your online application. In other words, if you cancel your application or log out prior to submitting your application, any information which you had entered is automatically deleted.

Any information that you enter to operate your bank accounts online (for example, internet ID, passwords, payee details and payment amounts) will be collected and stored by us or our agents and used to effect the transactions authorised by you in accordance with Arab Bank Australia’s Internet Banking Terms and Conditions.

Cookies

We use "cookies" to enhance functionality, to keep track of your visits, provide personalised features and as part of the identification process for our online services.

A cookie is a small data file that contains information about your visit to a web site. This information is provided by your computer during your first visit to a web server. The server records this information in a text file and stores this file on your hard drive. When you visit the same web site again, the server looks for the cookie and structures itself based on the information provided. A cookie only identifies your computer to a web server when you visit the site, they do not identify users.

Most web browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to warn you before accepting cookies. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You can refuse cookies by turning them off in your browser.

If your browser is configured to reject all cookies, you will be unable to use services on this web site that requires cookies in order to participate. You may still be able to use some information-only pages if you do not accept cookies.

Use and Disclosure of Information

We collect information from you in order to provide you with products, services, or effect transactions authorised by you. If you do not provide some personal information, we may not be able to provide you with the product or service you request.

We will not use or disclose information collected about you other than for:

• the primary purpose for which the information is collected (that is, providing products or services to you);
• a purpose which is related to the products or services we provide to you and which you would reasonably expect us to use the information for (for example, updating our records, contacting you or for statistical purposes);
• a purpose required, authorised or permitted by or under any law such as the Anti-Money Laundering and Counter-Terrorism Financing Act; or
• a purpose made known to you and to which you have consented.

Your information may also be used within Arab Bank Australia to enable us to offer you other products and services that will enhance our relationship with you. If you do not want to receive any such communication from us, please contact us and advise us of your decision.

The information provided by you may be disclosed to our agents, contractors or third party service providers who provide administrative, telecommunications, computer or other services to us in connection with our business and are under a duty of confidentiality to Arab Bank Australia to keep such information confidential. We enter into agreements with organisations that provide services to us to meet the privacy standards we set for ourselves in protecting your personal information and use the personal information for the specific purpose we ask them to perform.

We will not sell or disclose your information to any other individual or entity outside Arab Bank Australia for marketing or other purposes unless required or authorised by law.

Security

We maintain strict standards and procedures to prevent unauthorised access to your personal information and ensure correct use of information. We use encryption technology to ensure your information is protected when being sent over the Internet. Access to your account and account information is protected from unauthorised access through the use of secure passwords and user log-ons and other security procedures. Only authorised users can access an individual’s personal information.

We store information in different ways, including paper based records and electronic form. Computer and network systems are protected using security measures including firewalls and encryption data. We have security policies and procedures which are documented in internal policies that aim at ensuring the protection of customers’ personal information. Any information not required to be kept by law or necessary to conduct your business with the Bank is destroyed using secure methods.

While we strive to protect your personal information, we cannot ensure the security of any information that you transmit to us over the Internet and you do so at your own risk. However, once we receive your transmission, we take all reasonable steps to ensure that your information is secure on our systems and those of our agents.

Arab Bank Australia adheres to security and storage guidelines as recommended by the Australian Bankers Association. The Bank also adheres to the established practices of security and privacy of customer information as laid out in all existing regulations and legislations.
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Your access to your information

Generally, where permitted by law, you are able to access and update your personal information during ordinary business hours. If you wish to do so, please contact us. We may charge you a reasonable fee for accessing your personal information. Your request to provide information will be dealt with within a reasonable time.

Please also contact us whenever there is a change to your personal information or as soon as you are aware that the details we have about you are not accurate, complete or up-to-date. We will then take all reasonable steps to correct the information so that it is accurate, complete and up-to-date.

Complaints

If you have a complaint regarding the way in which your personal information is being handled by us, please contact us in the first instance. If we are unable to reach a satisfactory solution through negotiation, you can request an independent person to investigate the complaint such as the Privacy Commissioner.

Links to other sites

Our web site contains links to other web sites and this statement has no application to these other web sites. We are not responsible for the privacy practices or the content of these other web sites.

Please see our web site Terms and Conditions for more details on the conditions of use of our web site.

How to contact us

If you have any questions, complaints or require feedback about this statement, please contact us.

Privacy Co-ordinator
Arab Bank Australia Limited
Address: Exchange Centre, Level 7, 20 Bridge Street, Sydney NSW 2000
Postal Address: PO Box N645, Grosvenor Place, Sydney NSW 1220
E-mail: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Telephone: 1800 646 484 or, if calling from overseas, 612 9377 8900
Fax: (02) 9221 5428

This page was last updated on 5 September 2012.

© 2001-2012 Arab Bank Australia Limited ABN 37 002 950 745 AFSL 234563. All rights reserved.

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