Generally, we collect your personal data in the following ways:

• When you register yourself to Emirates NBD Mobile / Online Banking, use request information or sign up for our products and services, you may be required to provide us with your Personal Data. In doing so, you agree and consent to Emirates NBD Bank as well as authorized service providers and relevant third parties collecting, using, disclosing and/or sharing your Personal Data in accordance with this Data Protection Policy
• When you use services on ENBD Mobile / Online Banking to open an account
• When you request that we contact you, or when you respond to our request for additional Personal Data (KYC), our promotions, campaigns and other initiatives
• When you submit your Personal Data to us for any other reason through Emirates NBD Mobile / Online Banking

We may use your information or combine it with other information to / for:

• Provide you with better services, improve, and personalize your digital experience
• Respond to your inquiries and fulfill your requests;
• Verify your identity, authenticate you to use our Digital Services and verify your location
• Allow you to apply for products or services (such as applying for a personal loan, applying for a credit card or online sub account opening) process transactions, and evaluate your eligibility for such products or services
• Measure campaign results
• Market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity
• Use it in other ways as required or permitted by law or with your consent

Depending on which Services you use, we collect different kinds of Personal Information from/about you. Basically, we may collect 4 types of data from you through Emirates NBD Mobile /
Online Digital Services.

• "Personal information" refers to information that directly or indirectly identifies a particular individual, such as information you provide on our KYC forms, campaign forms, loan applications, account openings or similar online fields. Examples may include your name, postal address, unique device identifier, email address, telephone number, National ID number, Passport Number date of birth or account information.
• “Personal Financial Management” includes the data which helps customers manage their money and understand their online/mobile behaviors such as monthly/daily spending amount, their financial purposes during goal account opening, total goal amount and the goal date.
• "Anonymous information" means information that cannot reasonably be used to identify a particular individual. Examples may include information about your Internet browser, IP address, information collected through tracking technologies, demographic information that you provide to us and aggregated or de-identified data.
• "Location information" means information that may be collected by certain mobile applications that identifies your physical location. This information may be collected from your mobile device's location-aware features when you request certain services that are dependent on your physical location.
• Device Information
  As described below, we collect information from and about the computers, phones, other web-connected devices -including IT- you use that integrate with our Products, and we combine this information across different devices you use. Information we obtain from these devices include:
  • Device attributes: information such as the operating system, hardware and software versions, and browser type
  • Identifiers: unique identifiers, device IDs, and other identifiers, such as the fitness app (or other identifiers unique to Emirates NBD Group Company Products associated with the same device or account)
  • Data from device settings: information you allow us to receive through device settings you turn on, such as access to your GPS location, camera or photos
  • Network and connections: information such as the name of your mobile operator or ISP, language, time zone, mobile phone number, IP address
  • Cookie data: data from cookies stored on your device, including cookie IDs and settings. Learn more about how we use cookies in the Emirates NBD Cookies Policy

We maintain strict security systems designed to prevent unauthorized access to your information by anyone, including our staff. Emirates NBD Bank takes every necessary precaution to protect the confidentiality of its client’s information, including the confidentiality of personal data.

We’re committed to respecting your privacy and safeguarding your personal data. If we’re required by law to share your data with other organizations, such as the government, we always do so securely and we don’t share more than we need to. When we ask other companies to process data on our behalf we’ll always make sure they follow similarly high standards to those followed at Emirates NBD. Sometimes we use data to support government initiatives. But any reports that we publish will always be anonymous so your personal data remains exactly that – personal to you.

We are also entitled to transfer/ disclose the personal data of our client to and from the third parties if it is necessary for performing the service properly, permitted by the legislation and/or serves the commercial purpose of the Emirates NBD Bank. Emirates NBD Digital Banking Services use the latest technology standards to protect the security of your data and whenever we work with the third parties to provide support services we will require them to observe our privacy standards and to allow us to audit them for compliance.

If you request us to delete your account for the service, except as mentioned below, your Personal Information will be permanently removed from the primary production servers and further access to your Emirates NBD Mobile Application or Online Banking will not be possible. Emirates NBD will also promptly disconnect any connection we had established to your account information and delete all account credentials. If you want to revoke access or request us to delete your account, please visit nearest Emirates NBD Branch.

However, portions of your personal information, in anonymous and aggregate forms, may remain on our production servers indefinitely. We reserve the right to use this aggregate data to improve our service and for other lawful/regulatory purposes and in line with our data retention policies. Your data may also remain on a backup server or media but will be removed within a commercially reasonable period of time. Emirates NBD Bank keeps these backups to ensure our continued ability to provide the service to you in the event of malfunction or damage to our primary production servers. Also, we may need to store your data as required by state or local law or by our regulators or to defend ourselves in any law suit brought by yourself or any third party.