Privacy Policy

Your personal data processed by FAB will only be accessible by a limited list of recipients on a need to know basis or where required by law, in both FAB PJSC and the local FAB affiliate(s) concerned, thus:

• Employees of the business line(s) concerned by the products and services provided;
• Employees of the marketing department;
• Employees of the legal and compliance department(s) concerned;
• Employees of the accounting department(s) concerned;
• Employees of the IT department(s) concerned;
• Employees of selected service providers who support FAB in the provision of adequate and qualitative products and services.

When you are in a banking relationship with a FAB office within the European Economic Area (EEA), your personal data may be transferred to FAB PJSC in UAE or any other FAB affiliate UAE FAB branches located outside the EEA, including Switzerland, for the purposes mentioned above only or to their local service providers for support in the pursuance of such purposes.

FAB PJSC in Abu Dhabi also acts as a service provider for its affiliates, in particular for the provision of IT services. Switzerland is considered with an adequate level of protection by the European Commission. Transfers to other FAB locations outside the EEA are covered by standard data protection clauses. You may request and receive a copy of such documents.

Our policy does not apply to third-party websites where our online advertisements are displayed, nor to linked third-party websites which we do not operate or control.

Your personal data processed by FAB is kept in a form which permits your identification for no longer than is necessary for the purposes for which the personal data is processed in line with legal, regulatory or statutory obligations.

At the expiry of such periods, your personal data will be deleted or archived to comply with legal retention obligations or in accordance with applicable statutory limitation periods.

To the extent permitted by law, FAB may record and monitor your communications with us to ensure compliance with our legal and regulatory obligations and our internal policies. This may include the recording of telephone conversations.

Subject to applicable law, regulations and/or banking industry guidelines, you may have the right to invoke a data subject right in relation to your personal data being processed by FAB.

FAB may be allowed by law, in particular in case of excessive or manifestly unfounded request, to charge a fee for fulfilling your request, subject to applicable conditions. The rights that you can invoke as a data subject can be:

1. Right of Access

   You have the right to obtain from FAB, confirmation as to whether or not personal data concerning you is being processed, and, where that is the case, access to the personal data and the following information:

   • The purposes of the processing
   • The categories of personal data concerned
   • The recipients or categories of recipient to whom the personal data have been or will be disclosed, in particular recipients in third countries or international organisations
   • Where possible, the envisaged period for which the personal data will be stored, or, if not possible, the criteria used to determine that period
   • The existence of the right to request from FAB rectification or erasure of your personal data or restriction of the processing of such data or to object to such processing
   • The right to lodge a complaint with a supervisory authority
   • Where the personal data is not collected from the data subject, any available information as to its source
   • The existence of automated decision-making, including profiling, and meaningful information about the logic involved
   • Where applicable, the transfer of personal data outside EEA and appropriate safeguards implemented

   FAB shall provide a copy of the personal data undergoing processing. For any further copies requested, please note that FAB may charge a reasonable fee based on administrative costs.

2. Right to Rectification

   You shall have the right to obtain from FAB without undue delay the rectification of inaccurate personal data concerning you.

3. Right to Erasure

   Except in very specific cases where provided by law, you have the right to obtain from FAB the erasure of personal data concerning you without undue delay where one of the following grounds applies:

   • the personal data is no longer necessary in relation to the purposes for which it was collected or otherwise processed
   • you withdraw your consent on which the processing is based and there is no other legal ground for the processing
   • you object to the processing and there are no overriding legitimate grounds for the processing
   • the personal data has been unlawfully processed
   • the personal data has to be erased for compliance with a legal obligation to which FAB is subject
   • the personal data has been collected in relation to the offer of information society services directly to a child

4. Right to Restriction of Processing

   You have the right to obtain from FAB restriction of processing where one of the following applies:

   • you contest the accuracy of your personal data (in such a case, the restriction will be for a period enabling FAB to verify the accuracy of the said data); the processing is unlawful
   • FAB no longer needs the personal data for the purposes of the processing, but they are required by the data subject for the establishment, exercise or defence of legal claims
   • you object to processing pending the verification whether the legitimate grounds of the controller override those of the data subject

5. Right to Data Portability

   You have the right to receive or to transmit the data to another controller in a structured, commonly used and machine-readable format, the personal data concerning you that you have provided to FAB, without hindrance from FAB, where the processing is based on your consent or on a contract and the processing is carried out by automated means.

6. Right to Object to the Processing

   You have the right to object, on grounds relating to your particular situation, at any time to processing of personal data concerning you. FAB shall no longer process said personal data unless it demonstrates compelling legitimate grounds for the processing which override your interests, rights and freedoms or for the establishment, exercise or defence of legal claims.

   Such right can be exercised at any time where your personal data is processed for direct marketing purposes.

7. Right to object being subject to a decision based solely on automated processing, including profiling

   You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or significantly affects you, except in specific cases provided by law.

   FAB shall provide information on action taken on a request pertaining to the rights above without undue delay and in any event within one month of receipt of the request. That period may be extended by two further months where necessary, taking into account the complexity and number of the requests. FAB shall inform the data subject of any such extension within one month of receipt of the request, together with the reasons for the delay.

   Finally, note that you are entitled to lodge a complaint with a competent Data Protection Authority where existing, concerning FAB’s compliance with the applicable data protection laws and regulation.

The security and confidentiality of your Personal Data is important to us and FAB has invested significant resources to protect the safekeeping and confidentiality of your personal data. When using external service providers acting as processors, we require that they adhere to the same standards as FAB. Regardless of where your personal information is transferred or stored, we take all steps reasonably necessary to ensure that personal data is kept secure.

FAB operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. FAB monitors and records comments and posts made on these channels about FAB in order to improve its products and services.

Please note that you must not communicate to FAB through such social media sites the following information:

• confidential personal data, including any information regarding your financial situation, bank account details, transactions, etc.
• sensitive personal data including (i) special categories of personal data meaning any information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and the processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person's sex life or sexual orientation and (ii) other sensitive personal data such as criminal convictions and offences and national identification number ;
• excessive, inappropriate, offensive or insulting information towards individuals.

FAB is not responsible for any information posted on those sites other than the information posted by its employees on its behalf. FAB is only responsible for its own use of the personal data received through such sites.