General provisions
Our Commitment to Privacy
Welcome to the 'Al-Mustashar Islamic Bank' website, hereinafter referred to as the 'Site'. We would like to inform you that wherever the word 'Company' or 'Companies' appears, or when we refer to ourselves, we mean 'Al-Mustashar Islamic Bank' or its affiliates. When we address you in the singular or plural, we mean the users of the 'Site'. This section of the privacy document reflects our interest in the personal information you may provide when you visit the 'Site'. The privacy document has been developed to extend our commitment to combining services and products at the highest levels in dealing with our clients and partners. This document is designed to help you understand how we obtain, use, and protect the personal information we receive from you. This document will be continually updated in line with new technologies, business practices, and to meet the needs of our customers.
Implicit Consent
Your use of the site automatically means you agree to our collection and use of your personal information as stipulated in this document. Accordingly, we reserve the right to make any changes to this document and its procedures at any time without being obliged to notify you specifically.
Collection, Use, and Retention of Customer Information
When you visit the site, you provide us with two types of information; firstly: personal information that you choose to disclose and is collected on an individual basis. This information may be used to provide you with the products and services you have requested, and additionally, it may be used for other purposes, including but not limited to, understanding customer financial needs, updating your records with us, notifying you about any other products and services you may wish to acquire, and for reasons required by laws and relevant authorities. Secondly: information about the use of the site, which is collected on a collective basis through your browsing of our site; you and others with you, allowing us to track how the visitor navigates through sections of the site that interest them. We collect information such as the number of visits to the site, page visits, and user session durations. This is similar to a traffic report: it tracks the tendencies and behaviors of individuals and members in general but does not identify any individual in particular. We use this information to provide better service to you and to help keep our site useful by helping us identify the information our users seek.
Information Submitted to the Site
All information or materials you send to us or provide through the site become the property of Al-Mustashar Bank, provided that such information or materials do not violate or contain anything considered a breach of applicable laws and regulations. The bank is not responsible for the confidentiality of this information or materials except in certain cases, such as: having an agreement with the bank not to disclose information, if it is required by prevailing laws and regulations, or by a court order or relevant government authority. Nevertheless, the bank reserves the right to use and utilize all information and materials (e.g., ideas, experiences, techniques) for any purpose and by any means. We would like to inform you that as of now, there is no such thing as 'complete security' or 'full security' for the use of the internet, and therefore, the user bears all risks and full responsibility for sending any information or materials or providing them to us through the use of the internet.
Emails you send without going through the online banking login page may not be secure unless we notify you that security precautions will be in place before you begin sending your information. For this reason, we ask that you do not send us confidential information such as your identity number, password, or bank account numbers through unsecured email. On the other hand, if you choose to communicate with us via email, we may retain the content of your email and our response to it so that we can effectively handle any questions you may have in the future.
Disclosure of Information
We may send information related to our customers and services, along with site traffic patterns and other site-specific information, to our partners or other known parties, to the extent permitted by applicable laws and regulations. However, such information will not include personally identifiable data unless otherwise stated in this privacy document. Additionally, we may be required to disclose any information if required by law and in accordance with regulations, meaning that the law requires disclosure, and/or if such disclosure would protect our legal rights.
Other Websites Linked to Our Site
We confirm through this document that we are not responsible for the practices of any other sites linked to our site, or the information contained in those practices. It is worth mentioning that linking with other sites is often just an indicator of information related to topics that may be of interest to users of our site. You should remember that when you move from our site to another site, you are no longer under the protection provided by this document. Browsing and interacting with other sites are subject to the terms and conditions of those sites, including sites that have a link to our site. Therefore, we hope you read the terms and conditions of those sites before communicating with them.
Privacy of Children's Use
The website is not intended for use by children, nor does it knowingly include any information or data directed at children.
Illegal Use
You are prohibited from using the site for any unlawful, harmful, defamatory, obscene, or threatening purpose.
Disclaimer
Your review of this document and access to our site implies your implicit agreement to release Al-Mustashar Islamic Bank and its affiliates, its directors, and all employees and agents from any liability arising from claims or compensation, including attorney fees, resulting from a breach of this document, its misuse, or the use of the site. This also includes any breach or misuse by any of your employees or agents, if any.
Additional Clause
All terms and conditions stated in any section of this site, or in any publications of Al-Mustashar Islamic Bank, are an integral part of this document.
Applicable Law
This privacy document is subject to the provisions of the laws and regulations in force in the Republic of Iraq and is interpreted accordingly.