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We are Emirates NBD Bank (P.J.S.C), part of the Emirates NBD Group. Our most important asset is you and your trust. We are committed to providing you with exceptional banking services and want you to have trust and confidence in the way we use your personal data.
This Privacy Notice describes how Emirates NBD India Entity (as defined below) may process your personal data including the data that you provide when you access and use:
This Privacy Notice explains how Emirates NBD Bank (P.J.S.C) branches and affiliates, in India (hereinafter referred to as “Emirates NBD India Entity” or “we”) collect, use, and disclose information online and offline in connection with the services we provide to our customers (hereinafter referred to as “you” or “your”), why we collect it, who we share it with, how long we keep it for, and what rights you have in relation to that information. If you give us information about other people (such as your family or joint account holders) you confirm that they understand the information in this Privacy Notice about how we use it, whom we share it with, how long we keep it for etc.
Your data privacy journey with us
We are the data controller in relation to your personal data. If you have any questions about how we use your information, you can contact us by using the Contact Us information at the end of this Privacy Notice.
As per the requirements of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and the Data Protection Laws of India (as defined below), this Privacy Notice outlines the manner in which the personal information or sensitive personal information will be handled or dealt with by Emirates NBD India Entity This Privacy Notice relates to the collection of sensitive personal data or information from the customers with regard to the products or services provided by ENDB India Entity. This Privacy Notice is applicable to personal information and sensitive personal data or information collected by Emirates NBD India Entity directly from the customer or through the Emirates NBD India Entity’s website or server or electronic communications as collected by Emirates NBD India Entity’s from the customer’s browser.
Data Protection Laws of India shall mean and refer to:
WHAT DATA DO WE COLLECT?
A) Personal Data:
Personal data includes information that we collect and process about you depending on the products or services you obtain or receive. Typically, we process the following categories of information provided by you about yourself:
B) Technical Data:
We automatically collect the following when you use our website or apps:
We also collect information about you from the following sources:
WHY DO WE COLLECT THIS DATA?
We collect this data to facilitate your relationship with us and provide the requested services . If we do not receive the information that we request, we may not be able to provide the requested services. Unless otherwise indicated, it is necessary for Emirates NBD India Entity to collect, use, store, transfer and otherwise process personal data to achieve the purposes.
CONFIDENTIALITY OF PERSONAL DATA
When we collect personal data, we provide a safe, secure and confidential environment in all of our delivery Channels to ensure that your personal data remains private and used for the purposes for which it is held.We have a legal obligation to keep your data confidential, except:
In addition, we may use, disclose or transfer personal data to a third party
Please note that personal data we collect in order to meet our legal and regulatory obligations related to the prevention of money laundering and terrorist financing is processed only for those purposes, unless otherwise permitted or agreed.
HOW DO WE COLLECT PERSONAL DATA?
We collect data directly from you as our customer or prospective customer. Our agents, affiliates, subsidiaries, and service providers collect personal data in a number of ways, which include:
In certain circumstances we may collect information from you about individuals who do not have a direct relationship with us. This may happen in case of such individuals who are connected to you for instances shareholders or directors or guarantors etc : When you provide us with third party personal data (included but not limited to those listed above) you are responsible for ensuring that such third party has received this Privacy Notice and understands how we will use their personal data.
We need your personal data to provide you with the services or products requested by you.
After you submit an application form with us or become our customer, we have certain legal obligations to process your data. If you do not provide us with the requested personal data, we will be unable to comply with the legal or regulatory obligations and will not be able to offer our services to you.
It is voluntary for you to provide us your data or consent for sales or marketing purposes.
We make it clear on our application forms what data is required to be provided by you by marking the mandatory fields with the asterisk symbol (*).
You can object to further marketing at any time by:
Further details of how we will use your information can be found below.
The way we analyse personal data relating to our services may involve profiling or other automated methods to make decisions about you that relate to the following:
You may have a right to certain information about how we make these decisions. You may also have a right to request human intervention and to challenge the decision.
WHO DO WE SHARE YOUR PERSONAL DATA WITH?
We may share your personal data with:
The disclosure of personal data to these parties is done with the utmost care and due diligence to ensure that the protection and privacy of your data is maintained.
USES AND DISCLOSURES OF OTHER INFORMATION
We may not use and disclose other information for any purpose, except where we are required to do otherwise under applicable law. In some instances, we may combine other information with personal data. If we do, we will treat the combined information as personal data as long as it is combined.
When you use our website or otherwise access our services, you are expressly agreeing to and consenting to the terms of this Privacy Notice and by any use of our website you will deemed to have given your consent for the processing of your personal data as set out in this Privacy Notice.
WHERE DO WE STORE YOUR PERSONAL DATA?
We are headquartered in Dubai in the United Arab Emirates (UAE). We may transfer your personal data to other countries where we (or other companies within the Emirates NBD Group/Emirates NBD India Entity) or our service providers maintain operations.
When we do this, we'll ensure it has an appropriate level of protection and that the transfer is in accordance with contractual terms, applicable laws, and our instructions. This includes relying on adequacy decisions issued by the relevant data protection authority and using standard contractual clauses for transfers of personal data. You can obtain more details of the protection given to your information when it is transferred by contacting us using the details below.
HOW DO WE PROTECT YOUR PERSONAL DATA?
The security and confidentiality of your personal data is important to us!
We use a range of measures to keep your personal data secure and protected against unlawful processing, accidental loss, destruction and damage.
When we use external service providers, we require them to provide the same standards of data protection as we do.
Protecting the safety of minor when they use the internet is important to us. Our websites are intended for use only by individuals who are at least 18 (eighteen) years of age. If you are under the age of 18, your parent or guardian must consent on your behalf where we ask for consent in relation to the use of your data and information.
Our website may, from time to time, contain links to external sites. If you follow a link to any of these websites, please note that these websites have their own privacy policies. Please check these policies before you submit any personal data to these websites. We are not responsible for the privacy policies or the content of such sites.
HOW LONG DO WE KEEP YOUR PERSONAL DATA?
We do not keep your personal data for any period longer than is necessary for the purpose for which your personal data was collected, processed, required by law or where we may need it for our legitimate purposes such as maintaining records for analysis or audit purposes, responding to queries or complaints, monitoring fraud, defending or taking legal action and responding to requests from regulators.
The criteria used to determine our retention periods include:
If you opt out from receiving marketing communications or object to any other processing of your personal data, we may keep a record of your objection to ensure that we continue to respect your wishes and do not contact you further.
Your choices and rights
In certain circumstances, you have the right to:
If you wish to exercise any of these rights in relation to the personal data, we hold about you or wish to change your preferences at any time, please contact us, using the details below.
We will ask you to verify your identity before allowing you to access your personal data.
UPDATES TO THIS NOTICE
Any changes we make to our Privacy Notice will be posted on this page and, in relation to substantive changes, will be notified to you by e-mail.
This policy was last updated on 25th January 2023.
GRIEVANCE REDRESSAL OFFICER
If customer wishes Emirates NBD India Entity to address any discrepancies and grievances in relation to the sensitive personal data or information, the customer may write to Emirates NBD India Entity’s Grievance Officer and Emirates NBD India Entity will respond on the request in a time bound manner in accordance with applicable laws of India. The contact details of Emirates NBD India Entity’s Grievance Officers are mentioned below under the “contact us” part of this Privacy Notice.
If have any questions about this Privacy Notice, please contact us:
What is our lawful basis for processing your personal data?
Technical information may include:
Information about your visit may include:
We may also collect any phone number you use to call our customer service team (including call metadata such as the date, time and length of a call) or the social media handle you use to connect with our customer service team. We may record calls for training and performance purposes to establish clear records and for legal reasons.
Location data will include specific geographic locations (such as GPS, Bluetooth and WiFi signals) which we use to provide location services (if you ask or permit us to) so that we can deliver content, advertising and other services that are dependent on knowing where you are. Location data may be collected in combination with your device ID so that we can recognise your mobile browser or device.
Bank has started its operations in 2017, hence as on date there are no Unclaimed Deposits.
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You may gain access to details of products, services or information which may or may not be suitable for you.