The purpose of this Privacy Notice is to explain how Arab Banking Corporation Tunisie (“Bank ABC Tunisie”, “we”, “us” and “our”) and the other members of the Bank ABC Group may process your personal data.

The “Bank ABC Group” includes Arab Banking Corporation (B.S.C.) and any entities wholly or partially owned by it. For more information about the Bank ABC Group, including who is a member of it, you may visit www.bank-abc.com or contact your Coverage Relationship Manager. 

• Personal data including full name, nationality, gender, date of birth, country of birth, social status, names of relatives, employment status, photos (including selfies), signature;
• Data about your identity including documents, biometric data, details of ID cards, details of passports, national social security or insurance number, driving license number;
• Contact details including residential address, email addresses, telephone numbers, proof of address documents;
• Employer, employment status, job title, full name, email, address and telephone number(s) used for work purposes;
• Financial data: income and source of income, source of wealth, average account financial activity, and engagement data;
• Data about your tax status including a tax identification number, FATCA forms, etc.; and
• Other data provided by you via completing forms and other means including e-mail, electronic messages, recorded calls, live chat, chatbots and face-to-face contact. 

The personal data that we collect or generate during our business activities includes: 

• Details of transactions done by you or by any of your connected persons. Details include dates, amounts, currencies, payer and payee details;
• Data about your relationship with us, the channels you use and your ways of interacting with us, the technology you use for this and your language preferences;
• Data about your ability to get and manage your credit;
• Data concerning complaints and disputes or about the instances where you have exercised your legal rights related to the protection of your personal data;
• Market research data, e.g. opinions expressed by you when participating to our market research campaigns or surveys;
• Risk rating information, e.g. credit risk rating, transactional behaviour and underwriting information;
• Due diligence data, e.g. data required to comply with financial crime regulations (anti-money laundering, anti-terrorism financing, etc.);
• Data used to identify you such as usernames, PIN codes, passwords, signatures and biometric information (e.g. fingerprint, iris scan, voice, face recognition) or a physical token (e.g. a debit, credit or prepaid card,  a security token or electronic key) that are required when using our products or services;
• Email address(es) and telephone number(s) used to receive digital alerts (meaning an alert by SMS or email which we send to inform our customers on certain types of transactions or to provide financial information);
• Information about your device or the software you use, e.g. its IP address, technical specification and uniquely identifying data;
• Data about your geographic location, ATMs used and branches you visit;
• Data that we need to support our regulatory obligations, e.g. information about transaction details, detection of any suspicious and unusual activity and data about parties connected to you for these activities;
• We may record calls, email, text messages, social media messages and other communications between you and employees of Bank ABC; 
• Closed-circuit television (“CCTV”) videos, with or without audio recording, used in and around our premises and ATM locations for the purpose of physical security and crime prevention - therefore we may have images of you captured by our CCTV cameras;
• Online Identifiers that may leave traces which, when combined with unique identifiers and other data received by servers, may be used to identify the user.  Online Identifiers may include internet protocol addresses (IP addresses) and cookie identifiers (although we do not usually use cookies to track individual users or to identify them). For more details about cookies, see our online Cookie Policy; and
• Data relating specifically to transactions carried out on our digital platform by users.  Whilst our banking relationship is with our customer, we will be collecting data specific to transactions carried out by users.  For example, we will be able to inform our customer of details (such as dates, amounts, currencies, payer and payee details) about transactions made on our digital platforms and which user initiated the transactions. Some of this may be personal data about the user. 

Bank ABC Tunisie may record and keep track of your conversations with it, including phone calls, face-to face meetings, letters, emails, live chats, video chats and any other kinds of communication. 

These recordings will be used to check your instructions to us, assess, analyse and improve the quality of our services, train our people, manage risk or to prevent and detect fraud and other crimes. 

Bank ABC Tunisie may also capture additional data about these interactions, e.g. telephone numbers that you call us from and data about the devices or software that are used.

Please note that Bank ABC Tunisie will continue to use your contact details to provide you with important information, such as changes to our Terms & Conditions or when we have legitimate reasons to do so, including compliance with our regulatory obligations.

Bank ABC Tunisie may share your personal data with other parties where you have provided your explicit consent to do that. For example, you may have instructed us to send your bank statements to your accountant.

Bank ABC Tunisie may share your data with others where it is lawful to do so including where we or they:

• Need the data to provide you with products or services you have requested;
• Have a public or legal duty to do so, e.g. to assist with detecting and preventing fraud, tax evasion and financial crime;
• Need to in connection with regulatory reporting, litigation or asserting or defending legal rights and interests;
• Have a legitimate business reason for doing so such as to manage risk, verify your identity, enable another company to provide you with services you have requested, or assess your suitability for products and services; and
• Have asked you for your permission to share it, and you have agreed.
• Obtained the INPDP authorization to transfer your data to other Bank ABC Group companies (including their employees, sub-contractors, service providers, directors and officers) and any of their sub-contractors, agents or service providers such as for instance backup and server hosting providers, IT software and maintenance providers, document storage providers and suppliers of other processing and support services;​

We may need to share any of the above data with parties in different countries, when that is required to carry out our contract with you, to fulfil a legal obligation, to protect the public interest and/or for our own legitimate interests.

Before any International transfer of Personal Data, Bank ABC Tunisie should obtain the authorization from the local supervisory authority

The parties that we may share your personal data with may be located in countries that already have adequate protection for personal data under their applicable laws. Where parties are located in countries that do not have such data protection laws, Bank ABC Tunisie will apply safeguards to maintain the same level of protection as the country in which the products and services are supplied.

These safeguards may be contractual agreements with the overseas recipient, or it may require the recipient to subscribe to international data protection frameworks.

In this way your personal data may be transferred outside the country of the Bank ABC Tunisie office with which you [or we?] have a relationship.

For more information about these safeguards, and others as may be relevant from time to time, you can contact us as explained in the ’How to contact us’ section of this Notice.

We keep your personal data for as long as necessary to fulfil the purposes for which it was collected (as described above). Even when you close your account with us, we retain, as long as required,some of your personal data in order to comply with legal and regulatory requirements or in case of claims or in order to answer any of your queries.

• Bank ABC Tunisie , Rue du Lac d ‘Annecy- Les Berges du Lac- 1053 Tunis- Tunisie for the attention of the Data Protection Coordinator.​ 
• E-mail : [email protected]