عربي Download the App Corporate Online Banking

Privacy Policy

Privacy Policy

Dear Customer, 

Jordan Commercial Bank places the necessary importance on the privacy and security of your personal data and handles it within the framework of privacy and banking confidentiality requirements. This policy represents a notice regarding the privacy of personal data collected and processed by Jordan Commercial Bank (hereinafter referred to as “we”, “us”, “the Bank”, or “Jordan Commercial Bank”). We are committed to protecting your privacy and handling your personal data with clarity and transparency.

We recognize the importance of the personal data made available to us. This Data Privacy Statement provides an overview of how and why Jordan Commercial Bank collects and processes your personal data and informs you of your rights under the Jordanian Personal Data Protection Law No. 24 of 2023 and the regulations, instructions, and Central Bank directives issued pursuant thereto. This policy is directed to natural persons who are current or prospective customers, visitors to the Bank, related parties, website visitors, and users of the Bank’s applications and channels.

How We Collect Your Personal Data

We primarily obtain your personal data through one of the following methods:

  • Directly when you visit any branch of Jordan Commercial Bank, use our website or banking applications, contact us through the call center or email, submit complaints or inquiries, apply for a job, obtain a service, or otherwise interact with the Bank.
  • Indirectly through your use of our platforms, including cookies, device identifiers, social media platforms, government entities, regulators, utilities providers, and legally authorized entities.
  • Through related third parties such as family members, legal representatives, agents, employers, or authorized persons.
  • Through publicly available sources such as the internet, newspapers, social media platforms, public authorities, supervisory bodies, and databases maintained by other entities.

Personal Data We Collect

The personal data we may collect depends on the products and services provided to you and may include:

  • Personal information such as full name, date of birth, place of birth, marital status, and nationality.
  • Residence information including current address and proof of address.
  • Contact details such as phone numbers, email address, and mailing address. • Identification data including national ID, passport, residency permit, and work permit.
  • Employment information including employer, job title, and supporting documents.
  • Financial and banking information including income, source of income, and account activity.
  • Tax-related information including FATCA and CRS information.
  • Related persons’ information such as family members, guardians, and emergency contacts.
  • Technical data including IP address, browser type, device information, and operating systems.
  • Transaction details including dates, amounts, currencies, payer and beneficiary details.
  • Biometric data such as fingerprints, voice patterns, or facial recognition.
  • Health data where required for insurance-related purposes.
  • CCTV recordings, voice recordings, photographs, and video surveillance.
  • Risk classification and due diligence information.
  • Employment application information.
  • Legal disputes and complaint-related information.

Purpose of Processing Your Personal Data

The Bank processes your personal and sensitive data for various purposes related to banking and commercial dealings, including but not limited to:

  • Providing banking products and services.
  • Managing your accounts and relationship with the Bank.
  • Providing account information and updates.
  • Marketing banking products and services that may interest you.
  • Improving and developing services.
  • Handling complaints and inquiries.
  • Communicating with you through available channels.
  • Providing electronic banking services.
  • Monitoring and analyzing communications with the Bank.
  • Assessing applications submitted to the Bank.
  • Sharing information with authorities, regulators, tax authorities, correspondent banks, and judicial entities as required by law. 
  • Complying with anti-money laundering and counter-terrorism financing obligations.
  • Preventing fraud and financial crimes.
  • Implementing cybersecurity and technical protection measures.
  • Debt recovery and legal proceedings.

Disclosure and Sharing of Personal Data

We may share your personal data outside Jordan Commercial Bank under specific circumstances and only with parties that maintain appropriate security and confidentiality measures, including:

  • Bank branches and internal departments.
  • Authorized representatives, guardians, guarantors, or joint account holders.
  • External auditors, correspondent banks, and settlement systems.
  • Financial institutions, tax authorities, credit reference agencies, and payment service providers.
  • Lawyers, legal consultants, insurance companies, and valuation companies.
  • Government authorities, regulators, and law enforcement agencies.
  • Technical and consultancy service providers.
  • Parties authorized by you or legally permitted to access such information.

Data Retention and Protection

We maintain personal data in paper, digital, and electronic formats. The Bank applies organizational, technical, and security measures to protect personal data from unauthorized access, misuse, alteration, disclosure, destruction, or loss. Customer account records are generally retained for up to 15 years after the end of the relationship with the Bank, while CCTV records are retained for 180 days unless longer retention is required by law or regulatory authorities.

Your Rights Under the Personal Data Protection Law

  • You have rights regarding your personal data, including:
  • The right to access and review your personal data.
  • The right to request correction or updating of inaccurate data.
  • The right to object to processing based on legitimate interests.
  • The right to request restriction of processing.
  • The right to data portability.
  • The right to withdraw consent.
  • The right to be notified of personal data breaches. Requests shall be processed within 15 days from the date following submission, subject to applicable laws and regulatory requirements.

Contact Information

If you have any inquiries, complaints, or requests regarding your personal data or wish to exercise any of your rights, please contact the Data Protection Officer:

Email: DPO@jcbank.com.jo

Call Center: +962 6 5209000 Complaints may also be submitted through the Bank’s website, customer complaints unit, official mail, fax, or other approved communication channels.