As our valued customer, we, Bank Islam Brunei Darussalam (“BIBD”), are committed to ensuring that all your personal banking information with us is kept confidential and protected at all times. Such commitment conforms with the provisions of the Islamic Banking Order 2008 and extends to all personal information given to us through any modes including our website. This Policy applies to all customers availing of any/all of our online services.

What you need to know about our Policy:

1. For purpose of this Policy:
“Personal Data” means data, whether true or not, about a customer who can be identified: (a) from
that data; or (b) from that data and other information to which we have or are likely to have access.
Depending on the nature of your interaction with us, some examples of Personal Data which we may collect from you include name, residential address, email address, telephone number, nationality, gender, date of birth and financial information etc.

2. Only authorised staff will have access to your Personal Data.

3. We may collect and use your Personal Data for any or all of the following purposes which we deemed
necessary (e.g. Device storage for application image storing and processing, device phone book number as part of our transaction processing for fund transfers):
(a) keeping you informed of any new services/products offered by us as well as to inform you of any
developments in our services/products consistent with our continuous efforts in enhancing our
customer service;
(b) performing obligations in the course of or in connection with our provision of the goods and/or services requested by you;
(c) verifying your identity;
(d) responding to, handling, and processing queries, requests, applications, complaints, and
feedback from you;
(e) managing your relationship with us;
(f) processing payment or credit transactions;
(g) complying with any applicable laws, regulations, codes of practice, guidelines, or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority;
(h) any other purposes for which you have provided the information;
(i) transmitting to any unaffiliated third parties including our third-party service providers and
agents, and relevant governmental and/or regulatory authorities, whether in Brunei Darussalam or abroad, for the aforementioned purposes; and
(j) any other incidental business purposes related to or in connection with the above.

4. We will not disclose any of your Personal Data to other parties without your prior consent properly
obtained. We reserve the right, however, to disclose your Personal Data in instances where such disclosure is required by the Regulator or any law enforcement agencies or for any purposes which
necessitate the disclosure of your information to any of the Bank’s subsidiary companies or partners
in any collaborative efforts. We will ensure that the parties to whom we disclose your Personal Data conform to our confidentiality requirements.

5. As with most websites, we use “Cookies” to remember information about your preferences. You may
choose to either accept or reject cookies by setting up your website.

6. We may amend this Policy from to time and time at our sole discretion. Any amendments to this Policy
will be announced on our website. This Policy is not intended to create any contractual rights between
the Bank and its customers.

7. Customers who access our website are automatically deemed to have agreed to the terms of the
Policy as set out above.