Privacy Policy

We Value Your Privacy

Your privacy and security is very important to us. At AB Invest, we treat your personal information as private and confidential. We are dedicated to protecting your privacy and providing you with the highest level of security. This statement describes what personal information we collect, what we do with it, and how we protect it.

Security of Your Personal Information

We take appropriate measures to keep your personal information that we hold about you, secure and ensure that it is protected from loss, unauthorized access, misuse, modification, or disclosure.

Your personal information with us remains secure because of:

The strict security measures and technologies we use to prevent fraud and to protect our systems from intrusion.
Security controls and processes that are updated regularly to meet or exceed industry standards.
Our employees are trained to respect the confidentiality of any personal information held by us.

Protecting Your Privacy

To help you in protecting your personal information, we recommend the following:

Contact us immediately if you believe someone else may have access to your confidential information.
Do not share confidential information via the telephone or online unless you know or can verify the recipient.
Utilize a secure browser when accessing our website, and ensure virus protection is regularly updated.

What Information We Collect and Use

We collect and use information about you to administer our business and provide you with high quality financial products and services. We collect information about you from a variety of sources, such as:

Applications, personal financial statements, and other written or electronic communications reflecting information such as your name, address, identification number, occupation, assets, and income.
Transactional account history including your account balance, payment records, and assets.
Information received from third parties, (e.g. government, regulatory, or credit agencies).

How We Use Your Information

Any personal information provided by you to AB Invest will be used for the purpose of providing and operating the products and services you have requested and for other related purposes which may include, updating and enhancing AB Invest records, understanding your financial needs, conducting credit checks, reviewing credit eligibility, fraud prevention, debt collection purposes, and for purposes required by laws or regulations.

Sending E-mails to AB Invest

When inquiring or requesting information about a specific product or service, or in case of volunteering information using any of AB Invest’s contacts, we will use your e-mail address to reply, and we may store your e-mail address, your message, and our response for quality assurance purposes. We may also do this to meet our legal and regulatory requirements.

Who We Share Information With

We may share the information about you and your dealings with us, to the extent allowed by law, with:

Arab Bank Branches and Subsidiaries.
Regulators.
External Auditors.
Third party service providers.
Agents acting on behalf of AB Invest.
AB Invest staff as well as third parties with permitted access to your information are required to observe our confidentiality obligations.
External Brokers & Custodians.

Maintaining Accurate Information

Keeping your account information accurate and up to date is very important. When reviewing your account information, which includes your contact information, account balances and transactions, and similar information, please promptly notify us if you discover inaccuracies in your information.

Changes to This Statement

From time to time, it may be necessary for us to amend our Privacy Statement. The updated version will be maintained on our Website.

For More Information

Should you have any questions regarding this statement or want to learn more about our security practices, please read our Security Security Policy, or Contact us.

Privacy Notice

January 07, 2026

At Al-Arabi Investment Group-Jordan (referred to hereafter as (“the Company”) your privacy and the security of your personal data are very important to us. We treat all the personal data you share with us as private and confidential, handled with the highest levels of security, and is processed in accordance with Jordanian Law Number 24 of 2023 - Personal Data Protection Law, hereafter referred to as the “Law”.

This Privacy Notice, hereafter referred to as “Notice” aims to provide you with information om how we will use your personal data, what steps we take to ensure it stay private and secure, and what personal data we collect and process, about you as well as your data privacy rights and how you can exercise those rights.

How we collect your data

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

- Directly: we obtain Personal Data directly from you in order to provide a service or deal with the Company or, including without limitation, log a complaint, enter a business relationship, or for other purposes depending on the services requested for or agreed upon.

- Indirectly: we may obtain Personal Data about you indirectly from other sources, including Cookies, device identifiers, social media, public sources, business partners, and recruitment services to better understand and serve you, fulfill a legal obligation, or in pursuance of another legitimate interest.

How We Use Your Data

We collect your personal data for various reasons related to our services, products, or interacting with us, and for other business purposes, including but not limited to:

To activate and manage your account(s) and our engagement with you.
To provide you with statements and other information concerning your account or our relationship.
To handle inquiries and complaints.
To provide you with our services.
To conduct assessments, testing, and analysis for statistical or other analysis for market research purposes.
To evaluate, develop, and improve our services for you and other clients.
To protect our business interests and to develop business strategies.
To contact with you via mail, phone, SMS, email, and digital platforms, including social media.
To collect any debts owed to us.
To meet regulatory compliance and reporting obligations in relation to protecting against financial crime.
To assess any request, you submit.
To monitor, record, and analyze any communication between us.
To share your personal data with government authorities, credit reference agencies, fraud prevention agencies, operational bodies, regulatory authorities, and overseas regulators and authorities.
To share your personal data with our partners, service providers, and external auditors.
Recruitment and vetting agencies for prospective job applicants.
For the purpose of litigation, consultation, legal advices or documenting of transactions.

On what legal grounds do we process your Personal Data

We process your Personal Data with your explicit written consent unless the processing is in alignment with applicable regulatory requirements or is deemed legitimate Personal Data processing as part of our legitimate business operations as a financial services company.

Which Personal Data do we Collect and Process

The Personal Data we collect includes data provided by you at the start of our relationship or at any time thereafter such as:

Personal details: such as name, date of birth, email, nationality, marital status, gender, and contact information.
Current and permanent residential address, and proof of address documents.
Identity data, including documents and details of ID cards and passports.
Data about your identity including documents, details of ID cards, details of passports, Employer, employment status, job title, full name, email, address, and work phone number(s) used for work purposes.
Financial data: income, source of income, source of wealth, contractual data, expected portfolio size, financial and investment portfolio details, etc.
Tax status details such as overseas tax identification numbers, FATCA forms, and other necessary information.
Transaction details carried out by you or any of parties related to you, or by any of your connected persons including dates, amounts, currencies, payer and beneficiary details.
Images, including CCTV footage and phone call recordings.
Digital identifiers (IP address, email).
Website cookies (Please refer to our Cookie Notice).
Risk Rating information.
Employment information and qualifications for prospective job applicants.
Due diligence data, e.g. data required to comply with financial crime regulations (anti-money laundering, anti-terrorism financing, etc.) and data we need to fulfil regulatory obligations such as Suspicious Activity Reporting.
Other individuals’ information, such as witnesses, family members, emergency contacts, guardians, and agents, in addition to their signatures, addresses, and their relationships to you.
Legal dispute, complaints, and grievance information.
Agreements, contracts, billing and commissions information.
Security information.
Data related to your geographic location.

Data Storage and Hosting Locations

AB Invest stores and processes Personal Data using secure infrastructure located in Jordan. This is necessary for alignment with disaster recovery and business continuity requirements. All storage methods and hosting arrangements are subject to application of technical and organizational safeguards. Data is retained only for the periods necessary to fulfill the purposes for which it was collected or as required by law, after which it is securely deleted, for more information on data retention practices please refer to section (How long do we keep your Personal Data).

How long do we keep your Personal Data

We retain your Personal Data to provide our services, stay in contact with you and to comply with applicable laws, regulations, and professional obligations, which we are subject to. This includes regulatory requirements for record retention applicable to the company, for example, customer identification personal data such as your ID, personal and work details, need to be retained for the period required by the regulatory body. The reasons for this include:

where we need the information to meet regulatory or legal requirements.
to help detect or prevent fraud and financial crime.
to answer requests from regulators.

We will dispose of your Personal Data in a secure manner when we no longer need it for the above justifications. Please refer to Privacy Office at privacy.office@ab-invest.net for further details on our records retention practices.

How we protect and safeguard your Personal Data

We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your Personal Data. We aim to ensure that access to your Personal Data is limited only to those who need to access it, and those individuals who have access to the Personal Data are required to maintain the confidentiality of such Personal Data.

If you use the Company’s online services, you are responsible for maintaining the confidentiality of your user ID, password, and any one-time passwords (OTPs).

Who Has Access to Your Personal Data and with Whom it is Shared

We keep your Personal Data confidential. However, in order to service your needs to the best of our ability, we may share your Personal Data with other parties bound via contractual agreements to safeguard your Personal Data and only process it under our strict instructions.

We may share the Personal Data about you and your dealings with us, trading transactions to the extent allowed by law, with

The Securities Commission, the Amman Stock Exchange, and the Jordanian Securities Depository Center.
Arab Bank branches, subsidiaries, and foreign financial service providers (foreign brokers).
External auditors.
Regulatory bodies, government authorities, financial crime prevention agencies, tax authorities, and courts.
Third-party service providers, including cloud service providers.
Agents acting on behalf of the company.
courier and Postal services.
Credit information providers and credit refence organizations.
Law firms, lawyers, legal or professional advisors.
Other parties you have consented to share your data with.

Please refer to Privacy Office at privacy.office@ab-invest.net for further details and contact details of such third parties as well as their respective Privacy Notices (where applicable).

Transfer of data outside the Hashemite Kingdom of Jordan

In accordance with the Law and applicable regulations, we may transfer your Personal Data to other Arab Bank Group members and third-party organizations outside of the Hashemite Kingdom of Jordan when we have a business reason to engage Arab Bank Group members or third-party organizations. Each organization is required to safeguard Personal Data in accordance with our contractual obligations.

Please refer to Privacy Office at privacy.office@ab-invest.net for further details and contact details of such third parties as well as their respective Privacy Notices (where applicable).

What are your rights and how you can exercise them

You may exercise the following rights concerning your Personal Data:

Right to access your Personal Data within the custody of the company
Right to withdraw prior consent you have provided for the Processing of your Personal Data
Right to rectify, modify, or update your Personal Data
Right to erase your Personal Data or to restrict the Processing of your Personal Data
Right to object to Processing and Profiling if they are not necessary to achieve or outweigh the purposes for which the Personal Data was collected, or if they are discriminatory, unfair, or violate the law.
Right to be notified of inaccurate disclosure and breaches or your Personal Data.Note that in the event of a serious breach of your Personal Data security and safety that could cause significant harm to you, the Company shall notify you within (24) hours from the discovery of the breach and provide you with necessary measures to avoid any consequences resulting from the breach. This is in compliance with the Law.

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

To submit a request to exercise any of these rights, please send an email to privacy.office@ab-invest.net

Contact Information

Al-Arabi Investment Group Jordan, Shmeisani, Building No. 3, Esam Al-Ajlouni Street

P.O. Box: 143156 - Postal Code: 11814, Amman – Jordan

Phone: +962 6 5522239

Should you have any questions regarding this Notice or want to learn more about our security practices, please read our Security Statement section posted on the website (https://ab-invest.net/en/security-statement), or contact us at: privacy.office@ab-invest.net

Complaints:

If you have any complaints on personal data processing conducted by the Company, please share your concerns with privacy.office@ab-invest.net. You also have the right to share your concerns to the Personal Data Protection Council established per the Law. Click the link to view the Personal Data Protection Council contact details: https://www.modee.gov.jo/EN/Pages/Contact_Us_pdp_En

Changes to this Notice

We reserve the right to update this Notice to reflect changes to our practices in alignment with the Law. Any updates will become effective immediately after posting the updated Notice on our website.

Key Definitions:

Personal Data: any information relating to an identified / identifiable individual, whether it relates to his or her private, professional, or public life such as the Identification Document number or address.

Processing: any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

Profiling: any form of automated Processing of Personal Data evaluating the personal aspects relating to a natural person, in particular to analyze or predict aspects concerning by way of example the individual’s economic situation, personal preferences or interests, behavior, location or movements.

This Privacy Notice has been last updated Jan 07, 2026 (replacing the earlier Privacy Notice dated October 23, 2023)