Privacy Policy

Privacy Policy

For Mobile App & Online Banking Services

Definition

• APPLICABLE MOBILE APP & ONLINE BANKING SERVICES:
  This Privacy Policy will refer to and be applicable to the Mobile App and Online Banking Services listed above, which shall hereinafter be referred to as "Mobile App and Online Banking Services".
• EFFECTIVE DATE:
  "Effective Date" means the date this Privacy Policy comes into force and effect.
• PARTIES:
  The parties to this privacy policy are the following data controller: Sohar International Bank SAOG ("Data Controller") and you, as the user of this Mobile App and Online Banking Services. Hereinafter, the parties will individually be referred to as "Party" and collectively as “Parties.”
• DATA CONTROLLER:
  Data Controller is the publisher, owner, and operator of the Mobile App and Online Banking Services and is responsible for the collection of information described herein. Data Controller shall be referred to either by Data Controller's name or "Data Controller," as listed above. If Data Controller or Data Controller's property shall be referred to through first-person pronouns, it shall be through the use of the following: us, we, our, ours, etc.
• YOU:
  Should you agree to this Privacy Policy and continue your use of the Mobile App and Online Banking Services, you will be referred to herein as either you, the user, or if any second-person pronouns are required and applicable, such pronouns as 'your", "yours", etc.
• SERVICES:
  "Services" means any services that Sohar International Bank make available through the Mobile App and Online Banking Services.
• PERSONAL DATA:
  "Personal DATA" means personal data and information that we obtain from you in connection with your use of the Mobile App that is capable of identifying you in any manner.

Privacy Policy

This privacy policy defines how Sohar International collects and use your personal data that we receive about you, as well as the rights related to personal data, when you visit or use Sohar International Mobile App and our online services.

This Privacy Policy does not cover information that is received about you through sources other than the use of our Mobile App Online Banking services. Sohar International Mobile App and Online Banking services may link to other mobile applications or websites, but this Privacy Policy does not apply to linked and or third party websites or applications.

Sohar International Bank will provide online banking services without compromising on the data privacy and security of your transactions.

We ensure to safeguard your data when you use Sohar International Mobile App and online banking services, with best security solutions in place, and in compliance as per standards and best practices.

By using Sohar International Mobile App and Online Banking services, you acknowledge that you have reviewed this Privacy Policy and acknowledge that you agree to it.

By Agreeing to this Policy, it means you consent to the use of information, this means that you also consent to the use of your information and the method of disclosure as described in this Privacy Policy. If any part of the Privacy Policy is not clear or you do not agree to it, then you must agree to cease immediately the use of Sohar International Mobile App and Online Banking Services.

• Location Services:
  Access your location to show the nearest ATM’s and Branches.
• Device:
  Collect Device ID, type, and operating system details for improved accessibility, service maintenance, activation and device registration.
• Contact List:
  Enable access to your contact list, for speedy money transfers.
• Biometric Login:
  Allow login using your device’s biometric information for enhanced security measures.
• Camera:
  Enable camera access to capture documents and personal identification details, to allow services such as account opening and QR based payments.
• Push Notifications:
  Allow SI application to send promotional and account related notifications.
• Files and Media:
  Allow Access to mobile media and files to upload documents for account opening.

Contact, Address and Data Processing Location

The Party responsible for the processing of your personal data is as follows:

Modification and Revisions
We reserve the right to modify, revise, or otherwise amend this Privacy Policy at any time and in any manner. If we do so, however, we will notify you and obtain your consent to the change in processing. Unless we specifically obtain your consent, any changes to the Privacy Policy will only impact the information collected on or after the date of the change. It is also your responsibility to periodically check this page for any such modification, revision or amendment.

Data we receive from you

• Undertaking: the registration process, you consent to us collecting your Personal Data, including the Personal Data described in this clause, as well as storing, using or disclosing your Personal Data in accordance with this Privacy Policy.
• Usage: While using Sohar International Mobile App and Online Banking Services, you will be subject to different types of Personal Data collected and different manners of collection:
• Registered User: when using Sohar International Mobile App and Online Banking Services will collect some of the following Personal Data from you:
  Personal Data may be asked for in relation to:
• I) Account Verification
• II) Beneficiary Details, which is added by the user via Mobile App and Online Banking Services.
• III) Receiving notifications by text message or email about One Time Passwords, Transaction details, Account Statements and Marketing purposes.
• Unregistered Users:
  If you are a passive user of the Mobile App and do not register for any purchases or other service, you may still be subject to certain passive data collection ("Passive Data Collection"). Such Passive Data Collection may include through cookies, as described below, IP address information, location information, and certain browser data, such as history and/or session information.
• Marketing:
  You may be asked to provide certain Personal Data, such as your name and email address, for the purpose of receiving email marketing communications. This information will only be obtained through your voluntary disclosure and you will be asked to affirmatively opt-in to email marketing communications.
• Related Entities:
  We may share your Personal Data, including Personal Data that identifies you personally, with any of our parent companies, subsidiary companies, affiliates or other trusted related entities.

Article 7 - THE PERSONAL DATA WE RECEIVE AUTOMATICALLY

Cookies: We may collect information from you through automatic tracking systems (such as information about your browsing preferences) as well as through information that you volunteer to us (such as information that you provide during a registration process or at other times while using the Mobile App, as described above).

For example, we use cookies to make your browsing experience easier and more intuitive: cookies are small strings of text used to store some information that may concern the user, his or her preferences or the device they are using to access the internet (such as a computer, tablet, or mobile phone). Cookies are mainly used to adapt the operation of the site to your expectations, offering a more personalized browsing experience and memorizing the choices you made previously.

A cookie consists of a reduced set of data transferred to your browser from a web server and it can only be read by the server that made the transfer. This is not executable code and does not transmit viruses.

Cookies do not record or store any Personal Data. If you want, you can prevent the use of cookies, but then you may not be able to use our Mobile App as we intend. To proceed without changing the options related to cookies, simply continue to use our Mobile App.

Technical cookies: Technical cookies, which can also sometimes be called HTML cookies, are used for navigation and to facilitate your access to and use of the site. They are necessary for the transmission of communications on the network or to supply services requested by you. The use of technical cookies allows the safe and efficient use of the site.

You can manage or request the general deactivation or cancelation of cookies through your browser. If you do this though, please be advised this action might slow down or prevent access to some parts of the site.

Cookies may also be retransmitted by an analytics or statistics provider to collect aggregated information on the number of users and how they visit the Mobile App. These are also considered technical cookies when they operate as described.

Temporary session cookies are deleted automatically at the end of the browsing session - these are mostly used to identify you and ensure that you don't have to log in each time - whereas permanent cookies remain active longer than just one particular session.

Support in configuring your browser: You can manage cookies through the settings of your browser on your device. However, deleting cookies from your browser may remove the preferences you have set for this Mobile App and Online Banking Services.

For further information and support, you can also visit the specific help page of the web browser you are using:

• Internet Explorer: http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
• Firefox: https://support.mozilla.org/en-us/kb/enable-and-disable-cookies-website-preferences
• Safari: http://www.apple.com/legal/privacy/
• Chrome: https://support.google.com/accounts/answer/61416?hl=en
• Opera: http://www.opera.com/help/tutorials/security/cookies/

Log Data: Like all websites and mobile applications, this Mobile App also makes use of log files that store automatic information collected during user visits. The different types of log data could be as follows:

• Internet protocol (IP) address;
• Type of browser and device parameters used to connect to the Mobile App;
• Name of the Internet Service Provider (ISP);
• Date and time of visit;
• Web page of origin of the user (referral) and exit;
• Possibly the number of clicks.

The aforementioned information is processed in an automated form and collected in an exclusively aggregated manner in order to verify the correct functioning of the site, and for security reasons. This information will be processed according to the legitimate interests of the Bank.

For security purposes (spam filters, firewalls, virus detection), the automatically recorded data may also possibly include Personal Data such as IP address, which could be used, in accordance with applicable laws, in order to block attempts at damage to the Mobile App and Online Banking Services or damage to other users, or in the case of harmful activities or crime. Such data are never used for the identification or profiling of the user, but only for the protection of the Mobile App and Online Banking Services and our users. Such information will be treated according to the legitimate interests of the Bank.

Article 8 - HOW PERSONAL DATA IS STORED

We use secure physical and digital systems to store your Personal Data when appropriate. We ensure that your Personal Data is protected against unauthorized access, disclosure, or destruction.

Please note, however, that no system involving the transmission of information via the internet, or the electronic storage of data, is completely secure. However, we take the protection and storage of your Personal Data very seriously. We take all reasonable steps to protect your Personal Data.

Personal Data is stored throughout your relationship with us. We delete your Personal Data upon request for cancelation of your account or other general request for the deletion of data.

In the event of a breach of your Personal Data, you will be notified in a reasonable time frame and we will follow all applicable laws regarding such breach.

Article 9 - PURPOSES OF PROCESSING OF PERSONAL DATA

We primarily use your Personal Data to help us provide a better experience for you on our Mobile App and Online Banking Services and to provide you the services and/or information you may have requested, such as use of our Mobile App and Online Banking Services. Information that does not identify you personally, but that may assist in providing us broad overviews of our customer base, will be used for market research or marketing efforts. Such information may include, but is not limited to, interests based on your cookies.

Personal Data that may be considering identifying may be used for the following:

• Improving your personal user experience
• Communicating with you about your user account with us
• Marketing and advertising to you, including via email
• Fulfilling your purchases
• Providing customer service to you
• Advising you about updates to the Mobile App or related Items

Article 10 - DISCLOSURE OF PERSONAL DATA

Although our policy is to maintain the privacy of your Personal Data as described herein, we may disclose your Personal Data if we believe that it is reasonable to do so in certain cases, in our sole and exclusive discretion. Such cases may include, but are not limited to:

• To satisfy any applicable laws or regulations.
• To respond to requests, such discovery, criminal, civil, or administrative process, subpoenas, court orders, or writs from law enforcement or other governmental or legal bodies
• To bring legal action against a user who has violated the law or violated the terms of use of our Mobile App and Online Banking Services
• As may be necessary for the operation of our Mobile App and Online Banking Services
• To generally cooperate with any lawful investigation about our users
• If we suspect any fraudulent activity on our Mobile App and Online Banking Services or if we have noticed any activity which may violate our terms or other applicable rules

OPTING OUT OF TRANSMITTALS FROM US

From time to time, we may send you informational or marketing communications related to our Mobile App and Online Banking Services such as announcements or other information. If you wish to opt-out of such communications, you may contact the following email:
customerservice@soharinternational.com. You may also click the opt-out link which will be provided at the bottom of any and all such communications.

Please be advised that even though you may opt-out of such communications, you may still receive information from us that is specifically about your use of our Mobile App or about your account with us.

By providing any Personal Data to us, or by using our Mobile App and Online Banking Services in any manner, you have created a commercial relationship with us. As such, you agree that any email sent from us or third-party affiliates, even unsolicited email, shall specifically not be considered SPAM, as that term is legally defined.

MODIFYING, DELETING, AND ACCESSING YOUR INFORMATION

If you wish to modify or delete any information we may have about you, or you wish to simply access any information we have about you, you may reach out to us at the following email address:
customerservice@soharinternational.com.

ACCEPTANCE OF RISK

By continuing to our Mobile App in any manner, use the Product, you manifest your continuing asset to this Privacy Policy. You further acknowledge, agree and accept that no transmission of information or data via the internet is not always completely secure, no matter what steps are taken. You acknowledge, agree and accept that we do not guarantee or warrant the security of any information that you provide to us, and that you transmit such information at your own risk.

YOUR RIGHTS & APPLICABLE LAWS AND COURTS OF JURISIDCTION:

You have many rights in relation to your Personal Data. Specifically, your rights are as follows:

• the right to be informed about the processing of your Personal Data
• the right to have access to your Personal Data
• the right to update and/or correct your Personal Data
• the right to portability of your Personal Data
• the right to oppose or limit the processing of your Personal Data
• the right to request that we stop processing and delete your Personal Data
• the right to block any Personal Data processing in violation of any applicable law

Such rights can all be exercised by contacting us at the relevant contact information listed in this Privacy Policy.

The laws of the Sultanate of Oman shall govern any dispute that may arise between you and us. You agree that the courts of the Sultanate of Oman shall have exclusive jurisdiction to settle any such dispute.

CONTACT INFORMATION

If you have any questions about this Privacy Policy or the way we collect information from you, or if you would like to launch a complaint about anything related to this Privacy Policy, you may contact us at the following email address:

customerservice@soharinternational.com

and phone number: 24730000.