We are sensitive to the scenario that we would be dealing with data and information of a personal nature. By using our Website (www.aibl.com.bd) and related mobile applications (also referred as “we”, “us”, “our” and “AIBL” or “Islamic Wallet”, as the context may necessitate), you tend to provide Personal Information of you and your family (also referred as “you”, “your”, “yours” or the “User”, as the context may necessitate). You consent to the terms of our online Privacy Policy and to our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to our services. You also agree to our contacting you pursuant to the business relationship established using the information you provide to us. We request you to read this Policy in accordance with Terms and Conditions and to use these to make informed decisions.
This Privacy Policy sets out how AIBL uses and protects any information that you provide when you use Our Website for any transaction. We are committed to ensuring that information shared by you is protected and we assure You that it shall solely be used in accordance with this Privacy Policy.
1. PRIVACY
Your privacy is of utmost importance to us. We follow systematic and stringent procedures to protect the security of the information / data shared with us and stored on our Website/App. The information that you have shared on our Website/App is stored in secure server with encryption and can be accessed only for official purposes. Any of our employees who violate our privacy and/or security policies related to customer’s data is subject to disciplinary action, including possible termination and civil and/or criminal prosecution following due process.
2. REGISTRATION
Upon signing up on our Website/App, You are required to provide us with certain basic mandatory information inter-alia your name, date of birth, National Identification Number (NID), mobile number details and other details. We never request more information than is reasonably necessary to provide requested services. We assume all the information provided by you is true, accurate, current, non-misleading, consistent and relevant. Once the registration process is completed, the said mobile number and password can be used to access your account every time you visit our Website/App.
3. INFORMATION THAT WE COLLECT AND THAT YOU PROVIDE
Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as:
AIBL shall engage independent merchants to provide certain services and products related to our Website/App. Access to any of your Personal Information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services for us. We also insist that these merchants protect your Personal Information in a manner consistent with this Privacy Policy and that the merchants shall not use or disclose your personal information for any purpose other than providing us with the products or services for which We have contracted. We will not sell, distribute, lease or handover your Personal Information to merchants unless:
4. USE OF PERSONAL INFORMATION
We use personal information to provide you with services & products you explicitly requested for, like the following:
a. To carry out Your instructions for making and receiving payments and undertake transactions using our services, including verifying that you have sufficient funds in your Islamic Wallet to make such payments
b. To operate and administer your Islamic Wallet for providing services that you have requested
c. To notify you about changes to our service(s)
d. To comply with financial services regulations including retention of financial information and transactions
e. For customer service, including answering questions and responding to feedback and complaints
f. To provide you with information, products or services that you request from us or which we feel may interest you.
g. To allow you to participate in interactive features of the website or mobile application
h. To improve our internal customer training
i. For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks
j. To enhance the security of our services
k. To send you offers based on your previous orders and interests
l. To complete optional online surveys which may ask you for contact information and demographic information (like zip code, age, gender)?
5. RETENTION OF DATA
Islamic Wallet is required, under applicable laws, to retain certain records for a period as suggested by regulatory authorities even after closure of your Islamic Wallet, which will include your personal data such as your name, contact details, customer number and transaction history, (“Retained Data”). Other than the Retained Data, We will delete and destroy all Personal Information that we hold about you when you (or we) terminate your Islamic Wallet. We do not store your online banking login PIN, and/or password. Please note that we will not store your credit card information.
Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from us requesting your personal or security details, please do not respond to it (“Such E-mail”). Please forward any Such E-mail to info@AIBL.com.bd and thereafter delete the e-mail immediately.
6. TRANSFER OF INFORMATION
a. We may share your Personal Information with third parties to provide you with services that we offer through Islamic Wallet, conduct quality assurance testing, facilitate creation of accounts, provide technical and customer support, or provide specific services, such as synchronization of your contacts with other software applications, in accordance with your instructions. These third parties are required not to use your personal information other than to provide the services requested by you
b. We may share your personal information with our subsidiaries, joint ventures, or other companies under a common control that we may have now or in the future, in which case we will require them to honor this Privacy Policy. If another company acquires our company or our assets, that company will possess your personal information, and will assume the rights and obligations with respect to that information as described in this Privacy Policy.
c. We may disclose Your personal information to third parties in a good faith belief that such disclosure is reasonably necessary to
d. Take action regarding suspected illegal activities
e. Enforce or apply our Terms and Conditions and Privacy Policy
f. Comply with legal process, such as a search warrant, statute, or court order; or protect Our rights, reputation, and property, or that of our users, affiliates, or the public
g. We may disclose information in the aggregate to third parties relating to user behavior in connection with actual or prospective business relationship with those third parties, such as advertisers and content distributors
7. CONSEQUENCES OF NOT PROVIDING PERSONAL INFORMATION
If you choose not to provide your Personal Information that is mandatory to process your request, AIBL may not be able to provide the corresponding services.
8. SECURITY
AIBL has drawn up stringent security measures to protect the loss, misuse, and alteration of the information provided by you under control. At any point of time, when you change or access your account information, we offer the use of a secure server. Once your information is in our possession, we adhere to strict security guidelines, protecting the information against unauthorized access. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. For example
a. We use Secure Socket Layer (SSL) to encrypt the transmission of data on our Website/Portal.
b. We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.
c. We restrict access to Personal Information to our employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.
d. We are not responsible for third party circumvention of any privacy settings or security measures on Islamic Wallet. You can reduce these risks by using common sense security practices such as choosing a strong password, using different passwords for different services, and using up to date antivirus software.
9. SERVER LOGS
In order to ensure easy and comfortable surfing on our Website/App, each time you visit our Website/app, the computer collects certain statistical information. These statistics are only used to provide us information in relation to the type of user using our Website by maintaining history of page requests and at no point they identify the personal details of the user. We may make use of this data to understand as to how our Website is being used.
10. INTERNATIONAL USERS
The Website is hosted in Bangladesh. If you are accessing the Website from outside Bangladesh, your use of the Website is governed by laws of Bangladesh. You are transferring your Personal Information to Bangladesh, and you consent to that transfer.
11. OTHER INFORMATION
a. If you would like to view the information we have collected from you or you want to correct your information, please go to our Login page and log into your account to view the above details and to review your personal information or you can call to our call center for any support.
b. If you believe that any information we are holding about you is incorrect or incomplete, please email us at info@AIBL.com.bd
c. We will promptly correct any information found to be incorrect
d. We may change this policy from time to time by updating this page.
e. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your wallet.
f. This policy is effective from the date last updated.
12. CONSENT
You consent to the collection and use of the information you disclose on AIBL in accordance with this Privacy Policy, by using Islamic Wallet and/or by providing your information, including but not limited to your consent, for sharing your information as per this Privacy Policy.
Our Privacy Policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to AIBL website & mobile applications.
13. ENFORCEMENT
We may use the information collected, in connection with your use of Islamic Wallet (including Your personal information) in order to investigate, enforce, and apply our Terms of Use and Privacy Policy.
14. DISPUTE RESOLUTION
If you believe that AIBL has not adhered to this Privacy Policy please email to us at E-mail: islamicwallet@al-arafahbank.com
(In your email, please describe in as much detail as possible ways in which you believe the Privacy Policy has not been complied with. We will investigate your complaint promptly)
YOUR USE OF THE WEBSITE/MOBILE APPLICATION CONFIRMS YOUR AGREEMENT TO THE PRIVACY POLICY.
