Your privacy and the protection of your personal information and data are important to us. Here at Al-Nisr Al-arabi Insurance Company (the "Company"), we assure you that the personal data you provide to us is treated as private and confidential, with the highest levels of security, and processed in accordance with the Personal Data Protection Law in Jordan, Law No. 24 of 2023, referred to hereinafter as the "Law". This privacy notice, hereinafter referred to as the "Notice", aims to provide you with information on how we use your personal data, the steps we take to ensure its confidentiality and security, what personal data we collect, process, and what your rights are regarding the privacy of your data and how you can exercise them.


How We Collect Your Data

The Company collects your data through one of the following methods:

• Directly: We obtain personal data directly from you through the Company's authorized direct sales channels, so you can access a service from the Company or engage with the Company, including but not limited to: filing a complaint, entering into an employment relationship, or for other purposes based on the required or agreed-upon services.
• Indirectly: We may obtain personal data about you indirectly from multiple sources, including: website usage tracking files "Cookies", device profiling files, social media, public sources, business partners, and recruitment services, in order to better serve you or to fulfill a legal obligation such as a request for clarifications from the court, or for other legitimate interests according to relevant laws.

How We Use Your Data

We collect your personal data for various reasons related to our services, products, or interactions with you, including but not limited to:

• To provide and manage your account and our relationship with you.
• To provide you with information and other details about insurance documents or your relationship with us.
• To handle inquiries and complaints.
• To deliver our services to you.
• To conduct evaluation, testing, and analysis for statistical purposes or other market research purposes.
• To assess, develop, and improve the services we provide to you and other clients.
• To protect our business interests and develop our business strategies.
• To communicate with you, by mail, phone, text messages, email, and other digital means.
• To collect any due installments.
• To comply with regulatory requirements and reporting obligations related to financial crime prevention.
• To assess any applications submitted.
• To monitor, record, and analyze any communications between you and us.
• To share your data with the Central Bank, Ministry of Industry and Trade, Securities Commission, Securities Depository Center, Tax Department, or any relevant government or official entities.
• To share your data with our partners, service providers, and external auditors.
• To recruitment and auditing agencies regarding prospective job applicants.
• To research, marketing, and sales agencies for clients.
• For litigation purposes, legal consultations, notifications, or transaction documentation.
   

Legal Basis for Processing Your Personal Data

We process your personal data based on your explicit written consent unless the processing is for the purposes of our legitimate business activities as a financial institution regulated by the Central Bank of Jordan, and in accordance with its decisions.


What Personal Data We Collect and Process

The personal data we collect includes information provided by you during the contractual relationship between our company and you or at any time thereafter, such as:

• Personal details, such as name, date of birth, email address, nationality, marital status, gender, and contact information.
• Current residential address and permanent residence address, along with proof of address documents.
• Identity data, including documents and details of identity cards and passport details.
• Employment details, including employer, job status, job title, full name, email address, address, personal phone number, and work phone number.
• Financial data: income and source of income.
• Tax status data such as tax identification number, FATCA regulatory compliance forms for foreign accounts, to comply with FATCA requirements by using accounts opened in foreign financial institutions outside the United States.
• Details of insurance and financial transactions conducted by you or any associated persons, including dates, amounts, currencies, payment details, and beneficiaries.
• Audiovisual recordings, including CCTV captured images.
• Digital identifiers (IP address, email).
• Website usage tracking files "Cookies" (please refer to our cookie notice).
• Data required to comply with anti-money laundering (AML) and counter-terrorism financing (CTF) requirements and other regulatory obligations, and data needed by the company to fulfill regulatory reporting obligations such as reporting suspicious activities to relevant authorities.
• Information about other individuals, such as witnesses, family members, emergency contacts, and guardians, including their signatures, addresses, and relationship to you.
• Information about legal disputes and complaints related to you. Information about agreements and contracts entered into with our company, invoices, and commissions.

For how long do we retain your personal data?

We retain your personal data to provide our services, stay in touch with you, and comply with laws, regulations, and professional obligations applicable to us. We will securely dispose of your personal data when we no longer need it for the aforementioned justifications, and in accordance with applicable laws and regulations.

How do we protect your personal data?

We will take reasonable technical and organizational measures to prevent the loss, misuse, or alteration of your personal data. We aim to ensure that access to your personal data is restricted only to those authorized to do so and committed to maintaining its confidentiality. If you use online services provided by the company, you remain responsible for maintaining the confidentiality of your username and password.

Who has the right to access your personal data and to whom is it disclosed?

We maintain the confidentiality of your personal data. To provide our services to you to the best of our ability, we may share your personal data with other parties through binding contractual agreements to protect and process your data only under our strict instructions and in accordance with applicable laws and regulations.

We may share data related to you and your transactions with us, to the extent permitted by law, with:

• The Arab Bank Head Office for legitimate purposes and in compliance with the law, such as centralized compliance requirements with the Head Office.
• External auditors.
• Regulatory bodies, government entities, and official entities, including those specialized in combating financial crimes and tax authorities.
• Third-party service providers, including cloud service providers.
• Agents acting on behalf of the company.
• Postal services.
• Law firms, lawyers, or legal advisors.
• Other parties with whom you have consented to share your data.

Transfer of Data outside the Hashemite Kingdom of Jordan

In accordance with the law, we may transfer your personal data to external institutions outside the Hashemite Kingdom of Jordan when we have a legitimate reason related to our business to engage these parties. Each of these entities must protect personal data in accordance with our contractual obligations with them and in accordance with applicable laws and regulations.

What are your rights and how can you exercise them?

You can exercise the following rights regarding your personal data:

• The right to access your personal data held by the company.
• The right to withdraw any prior consent you provided for the processing of your personal data unless the processing does not require your consent and is in line with regulatory requirements on our company and/or according to the Personal Data Protection Law and its regulations and instructions.
• The right to correct, modify, or update your personal data.
• The right to erase your personal data or restrict the processing of your personal data.
• The right to object to processing if it is not necessary for the purposes for which the personal data was collected, or if it exceeds those requirements, or if it is discriminatory, unfair, or in violation of the law.
• The right to be notified of breaches to your personal data.

Please note that our compliance with your requests may be subject to limitations, in certain circumstances, in accordance with the law.

To exercise any of these rights, please send an email to: privacy.office@al-nisr.com

Contact Information

Al-Nisr Arab Insurance Company Jordan, Shmeisani, Issam Al-Ajlouni Street, P.O. Box: 9194, Postal Code: 11191, Amman, Jordan

For More Information

If you have any questions regarding this notice or would like to know more about our security practices, please contact us at: privacy.office@al-nisr.com

Amendments to the Notice

We reserve the right to update this notice to reflect changes in our practices in accordance with the law, regulations, and applicable instructions. Any updates will become effective immediately upon the publication of the updated notice on our website.

Key Definitions

Processing: Any operation or set of operations performed in any way or means for the purpose of collecting, recording, copying, storing, organizing, modifying, using, transmitting, distributing, disclosing, linking to other data, making available, or otherwise making available, or otherwise processing, or concealing, encoding, erasing, restricting, or deleting, modifying, describing, or disclosing, by any means.

Personal Data: Any data or information relating to a natural person, capable of identifying him directly or indirectly, regardless of its source or form, including data relating to his person, family status, whereabouts, origin, ethnicity, indicating his political opinions, religious beliefs, or any data relating to his financial, health, physical, mental, genetic, or biometric (biometric) status, or his criminal record.